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Terms of Use

Terms of Use
MSIG Insurance (Hong Kong) Limited ("MSIG", "we" or "us") would ask that you take the time to read these terms and conditions carefully. In case of discrepancies between the English and Chinese versions of this statement, the English version shall prevail.

DISCLAIMER
MSIG has taken reasonable precautions to ensure that the information contained on this website is current, accurate and complete at the date of publication. The information contained on this site is provided for information only, and does not constitute an offer to sell. No representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information.

MSIG makes no commitment, and disclaims any duty, to update or correct or to provide notice as to any error or omission to information contained on this site. MSIG cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on this website.

No warranty is given that access to any information or materials on this website, or this website as a whole will be provided uninterrupted or free from errors, virus or other malicious, destructive or corrupting code, agent, program or macros.
Please note that there is no guarantee that any correspondence sent via email to or by MSIG will be received, or that the contents of the email will remain confidential during internet transmission.

Collection and Use of Non-Personal Information
We also collect non-personal information − data in a form that does not permit direct association with any specific individual. We may collect, use, transfer, and disclose non-personal information for any purpose, such as website traffic information that cannot be identified with a specific person. This information is aggregated and used to help us provide more useful information to our customers and to understand which parts of our website, products, and services are of most interest.

Cookies and Other Technologies
MSIG’s website, online services, interactive applications, SMS and email messages, may use “cookies” and other technologies such as “pixel tags”. These technologies help us better understand user behavior, facilitate website improvements, and measure the effectiveness of online advertisements. We treat information collected by cookies and other technologies as non-personal information, because the information is aggregated among all users and can no longer be identified to a specific individual. MSIG also use cookies and other technologies to personalize your experience with MSIG when using our website, applications, and online services. Cookies can be disabled directly from your internet browser, but please note that certain features of website may be unavailable once cookies are disabled.

Copyright
Copyright in the whole and every part of this site be longs to or is licensed to MSIG, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form in or on any media to any person without prior consent of MSIG.

MSIG is the owner and proprietor of or has the right to use all the marks, whether services, trade marks or logos in this website. The use of these marks and icons by users of this website is forbidden. Any pictures or images displayed on this website belong to or are displayed by MSIG with permission of the owners of these pictures or images. The use by you of these pictures or images is strictly prohibited.

This website may be linked to other websites which are not maintained by MSIG. Such links are provided for your convenience and reference only and the inclusion of any hyperlink to any other website is not an endorsement or verification by MSIG of such website, its contents or its sponsoring organization, and such website should only be accessed at your own risk. Please read this information carefully. Your use of service(s) provided by this website is confirmation that you understand and agree to be bound by all these terms and conditions. MSIG reserves the right to change these terms and conditions from time to time.

Governing Law and Jurisdiction
By accessing this website and/or using the service offered through this website, you agree that such use is governed by the laws of the Hong Kong SAR and you agree to submit to the non-exclusive jurisdiction of the courts of Hong Kong SAR.

Data Security
Our website employs the 128-bit VeriSign Secure Socket Layer. All confidential online sessions between you and MSIG are protected up to a 128-bit encryption level. Encryption is a method of scrambling your information to protect its security during transmission across the Internet. Encryption transforms data into an unreadable form, and decryption reverses that process. Both encryption and decryption require the use of a special code, usually referred to as a key. The encryption of data provides a strong degree of protection against tampering while data is moving through the internet. Encryption protects your information against disclosure to third parties.

Privacy Policy

MSIG Insurance (Hong Kong) Limited ("MSIG", "we" or "us") would ask that you take the time to read these terms and conditions carefully. In case of discrepancies between the English and Chinese versions of this statement, the English version shall prevail.

PRIVACY POLICY

 

MSIG takes your privacy very seriously. To ensure your personal information is secure, we communicate and enforce our privacy and security guidelines according to the relevant laws and regulations. MSIG takes precautions to safeguard your personal information against loss, theft, and misuse, as well as against unauthorised access, disclosure, alteration, and destruction. Furthermore, we will not sell your personal information to anyone for any purpose. MSIG imposes very strict sanction control and only authorised staff on a need-to-know basis are given access to or will handle your personal data, and we provide regular training to our staff to keep them abreast of any new developments in privacy laws and regulations.

We will only retain your personal data in our business records for as long as it is necessary for business and tax purposes as permitted by the laws. We will require our agent, contractor or third party who provides administrative or other services on our behalf to protect personal data they may receive in a manner consistent with this policy. We do not allow them to use such information for any other purpose. If you have any questions or inquiries regarding our privacy policy, please feel free to contact us.

We may amend this Privacy Policy at any time and for any reason. The updated version will be available by following the 'Privacy Policy' link on our website homepage at www.msig.com.hk. You should check the Privacy Policy regularly for changes.

Personal Information Collection Statement
Personal information is data that can be used to uniquely identify or contact a single person. As our customers, it is necessary from time to time for you to supply us with your personal data in relation to the general insurance services and products ("the Product") that we provide to you and in order for us to deliver and improve the customer service. This includes but not limited to the personal data contained in the proposal form or in any document in relation to the Product or any claim made under the Product.

Your personal data may be used for obligatory purpose or voluntary purpose. If personal data are to be used for an obligatory purpose, you MUST provide your personal data to MSIG if you want MSIG to provide the Product. Failure to supply such data for obligatory purpose may result in MSIG being unable to provide the Product.

The obligatory purposes for which your personal data may be used are as follows:-

  • processing and evaluating your insurance application and any future insurance application you may make;
  • our daily operation and administration of the services and facilities in relation to the Product provided to you;
  • variation, cancellation or renewal of the Product;
  • invoicing and collecting premiums and outstanding amounts from you;
  • assessing and processing claims in relation to the Product and any subsequent legal proceedings;
  • exercising any right of subrogation by us;
  • contacting you for any of the above purposes;
  • other ancillary purposes which are directly related to the above purposes;
  • complying with applicable laws, regulations or any industry codes or guidelines; and
  • detecting and preventing fraud (whether or not relating to the policy issued in respect of this application).


The voluntary purposes for which your personal data may be used are any sales, marketing, promotion of other general insurance services and products provided by MSIG. The personal data we intend to use for voluntary purposes are your name, your address, your phone number and email address. 

In connection with any of the above purposes, the personal data that we have collected might be transferred to:

  • third party agents, contractors and advisors who provide administrative, communications, computer, payment, security or other services which assist us to carry out the above purposes (including medical service providers, emergency assistance service providers, telemarketers, mailing houses, IT service providers and data processors);
  • in the event of a claim, loss adjudicators, claims investigators and medical advisors;
  • reinsurers and reinsurance brokers;
  • your insurance broker;
  • our legal and professional advisors;
  • our related companies as defined in the Companies Ordinance;
  • the Hong Kong Federation of Insurers (or any similar association of insurance companies) and its members;
  • the Insurance Complaints Bureau and similar industry bodies;
  • government agencies and authorities as required or permitted by law;
  • fraud prevention organizations;
  • other insurance companies (whether directly or through fraud prevention organization or other persons named in this paragraph);
  • the police; and
  • databases or registers (and their operators) used by the insurance industry to analyse and check information provided against existing information.

 

In order to confirm the accuracy of your personal data, you agree to provide us with authorisation to access to and to verify any of your personal data with the information collected by any federation of insurance companies from the insurance industry.

Under the relevant laws and regulations, you have the right to request access to and to request correction of your personal data held by us. If you wish to exercise these rights, please write to our Data Protection Officer at 9/F Cityplaza One, 1111 King's Road, Taikoo Shing, Hong Kong.

If you have any enquiries or require assistance with this Personal Information Collection Statement, please call us at (852)3122-6922 or email to dpo@hk.msig-asia.com.

     
Special arrangement for MSIG Travel (Single Trip) insurance coverage in relation to COVID-19
Details
 
Coverage Alert
 

Travel Insurance

Extra Offers
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Latest Promotion

Single Travel

Annual Travel

Latest Promotion
  • Travel Insurance Promotion

iTravel Plus
Travel Insurance Offer

Offer Period:Now to 30 Jul 2020
– iTravel Plus Upgraded –
We've got good news for you! iTravel Plus single and annual travel insurance have been upgraded with new benefits and better coverages to ensure you get the protection you want for your trip. Worry less and spend more time enjoying travel! Benefits include:
  • NEW Loss of or damage to mobile phone cover up to $2,000*
  • NEW Extended amateur dangerous sports and activities coverage
  • NEW Trip cancellation, curtailment, delay and rearrangement benefits extended to closure of airport
  • Reimburses Rental Vehicle up to $5,000
  • Personal Accident benefits up to $1,000,000

Enjoy premium discount on enrolment of any travel insurance plan within offer period and input Asia Miles membership no. to earn 1 Asia Mile for every HK$3 net premium spent#.

- Or -

Members Exclusive Reward

Login and apply as member to earn MSIG$1 with every HK$1 net premium spent and redeem your gift on mobile app!

What is MSIG$?
Register as MSIG member and instant get a welcome offer MSIG$200! Members can apply any insurance plan online and earn MSIG$1 with every HK$1 premium. How easy it is to get 1 Pacific Coffee short size eVoucher with only MSIG$400 and 200 Asia Miles with MSIG$300! Redeem an array of fabulous awards in MSIG App.

- Reward Catalogue -
How to earn Asia Miles
#Asia Miles promotion cannot be used in conjunction with promo code and MSIG$ offer at the same time per policy.
*Applicable to iTravel Plus (Annual) and iTravel Plus (Single Trip) Plan A only

Simple Application

Cost effective
Reasonable pricing with no agency commission charge. Become a member, earn MSIG$ and get rewarded!

Easy online claim submission
Simplified and speedy claims process with online claim submission. Real-time quotation, application via desktop or mobile app and get insured in 3 minutes.

Get Rewarded
Choose your reward when enroling with us - discount, Asia Miles or MSIG$! For every purchase you made, you'll also get premium discount eCoupon for your next purchase!

msig mobile app launch

Promotion terms and conditions

Single Travel
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
    • Extra benefits provided for Black Alert and Red Alert under the Outbound Travel Alert System up to HK$50,000 and HK$25,000 respectively:
      • If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of ‘Trip Cancellation and Curtailment’ section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
      • Up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed
      • Additional transport expenses if you are forced to leave the city you are staying to another city in order to return to Hong Kong
      • HK$1,000 cash allowance if you must stay overnight in another city waiting for the necessary public transport to return to Hong Kong
    • Amateur Dangerous Sports and activities4 cover at no extra cost:
      • Include hot-air ballooning, scuba diving, skiing, snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities
    • Loss of Baggage
      • Newly added loss of or damage to mobile phone5 cover up to HK$2,000
    • Natural Disaster cover:
      • Trip Cancellation and Curtailment cover up to HK$50,000
      • Travel Delay cover of HK$250 for first 6 hours of delay and each subsequent period of 12 hours, up to HK$2,000
      • Up to HK$7,500 cover for additional transport and accommodation expenses if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses
    • Terrorism Extension:
      • Terrorism10cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
    • Other benefits:
      • Personal Accident6,7,8cover up to HK$1,000,000
        • Advance payment of HK$50,000 cash relief for Accidental Death
        • Major Burns Benefit up to HK$1,000,000
        • Loss of Limb Benefit cover, which is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, arm, foot or leg under Personal Accident Section
      • Deposit Guarantee of Hospital Admission up to HK$40,000
      • Medical Expenses benefit cover emergency dental treatment, medical and surgical expenses up to HK$1,000,0007,8
      • Comprehensive 24-hour Worldwide Emergency Assistance Services
      • Double Indemnity9for Personal Accident up to HK$2,000,000
      • Follow up medical expenses after returning to Hong Kong up to HK$50,000 for a maximum period of 90 days, including registered herbalists, bonesetters and acupuncture fees up to HK$1,500 in total
      • Personal Liability cover up to HK$2,500,000
      • Personal Money, Documents and Additional Accommodation Expenses cover up to HK$10,000
      • Family Plan3,7covering unlimited number of children
      • Rental Vehicle Excess cover up to HK$5,000
      • Automatic Extension of Cover

Important Notes:
    1. Maximum days per trip of Plan A and Plan B are 182 days. Maximum days per trip of Plan C is 30 days, each trip should be commenced in Hong Kong.
    2. There is no minimum age limit for this plan. Maximum age limit is 85.
    3. Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip. Family Plan is not offered to Plan C.
    4. The Amateur Dangerous Sports And Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age. This extra benefit is not applicable to Plan C.
    5. No mobile phone benefit is payable for Plan B or Plan C, or if the Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
    6. The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
    7. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
    8. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to 25% of the Sum Insured.
    9. The Double Indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 70 years of age at the time of an accident. This extra benefit is not applicable to Plan C.
    10. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
    11. iTravel Plus (Single Trip) is only available for online purchase.
    12. Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Benefits
Coverage
Maximum Benefits Payable (HK$)
Plan A
(Worldwide)
Plan B
(Worldwide)
Plan C11
(Asia)
1. Personal Accident1,2,3
Accidental Death/Permanent Total Disablement/Loss of two limbs or sight of both eyes/Permanent Total Loss of speech and hearing.
(An advance payment of HK$50,000 cash relief will be paid to your legal representative in the event of your accidental death.)
1,000,000
500,000
250,000
Loss of one limb9 or sight of one eye/Permanent Total Loss of speech or hearing. 500,000 250,000 125,000
Covers 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy. 1,000,000 500,000 250,000
2. Double Indemnity for Personal Accident4
Double indemnity for Accidental Death while you are travelling in a private car or as a fare-paying passenger on public transport (e.g. scheduled flight, train) or in any armed robbery or attempted armed robbery.
2,000,000
1,000,000
Not Applicable
3. Medical Expenses1,3
Pays for necessary medical treatment expenses and reasonable additional transport expenses if it is necessary and unavoidable for you to stay beyond your intended return date due to sickness or bodily injury abroad.

Pays for follow-up medical expenses within 90 days after arrival in Hong Kong up to HK$50,000 including Chinese medical practitioner's fees up to HK$150 per visit per day and up to HK$1,500 in total.
1,000,000
500,000
100,000
4. Worldwide Travel Assistance Services8
24-hour worldwide emergency medical evacuation repatriation after treatment.

Deposit guarantee for hospital admission.

Unexpected return to Hong Kong, Compassionate Visit, Children
Escort Arrangements, etc.
2,000,000


40,000(as stated in Policy Appendix)

Covered
5. Terrorism Extension5
(Applicable to the above Benefits 1-4)
Extends to provide you with Worldwide Travel Assistance Services as well as cover in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism under Personal Accident and Medical Expenses Sections.
3,000,000
6. Amateur Dangerous Sports Coverage6
Pay you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, skiing, snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities.
Up to 250,000 under the Personal Accident and Medical Expenses Sections
Up to 125,000 under the Personal Accident and Medical Expenses Sections Not Applicable
7. Trip Cancellation and Curtailment
Reimburses expenses of unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e) or close business partner; residential fire or flooding; jury services, witness summons or compulsory quarantine of you; or if you decide to cancel your trip due to adverse weather conditions, natural disaster directly resulting in suspension of public transport, strike, industrial action, riot or mechanical and/or electrical breakdown of the public transport which results in delay in departure from Hong Kong for not less than 24 hours.

For Black Alert and Red Alert under the Outbound Travel Alert System:
  • If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
  • Pays up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed.
  • Reimburses additional transport expenses if you are forced to leave the city you are staying for another city in order to return to Hong Kong.
  • Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Hong Kong.
50,000
25,000
3,500
8. Travel Delay
Pays HK$250 for first 6 hours and each subsequent period of 12 hours of delay if
  • the arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport or closure of the airport, or mechanical and/or electrical breakdown of the public transport or
  • your trip is delayed due to the death, serious bodily injury or serious sickness of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad.
  • If the original departure and arrival ports/airports of the Public Transport conveyance that you have arranged are in/from mainland China, the maximum cover is HK$500.
2,000
1,000
500
9. Trip Rearrangement
Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) you have paid or payments for which you are legally obliged to pay, or reimburses additional transport and/or accommodation expenses incurred, and which are not recoverable from any other source in reaching your planned destination, or for your return trip to Hong Kong if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in Suspension of Public Transport.

Pays for accommodation expenses up to HK$1,000 per day
7,500
5,000
1,500
10. Loss of Baggage
Pays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
  • any single article, pair or set of articles is HK$2,000.
  • all of your sports equipment is HK$5,000 in total.
  • all of your valuables is HK$5,000 in total.
  • all of your cameras, camcorders and audio/video equipment is HK$5,000 in total.
  • any mobile phone is HK$2,000 (mobile phone cover is for plan A only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan)
20,000
15,000
5,000
11. Delayed Baggage
Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 12 hours on the outward journey.
1,500
1,000
500
12. Personal Money, Documents and Additional Accommodation Expenses
Cover the loss of cash or travellers cheques directly arising from theft, robbery or burglary during the Period of Insurance, subject to a maximum amount of HK$3,000 for Plan A ,HK$2,000 for Plan B and HK$300 for Plan C10.

Reimburses the replacement cost of HK identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport.

Pays for additional travel and accommodation expenses which are necessary to obtain a replacement passport if your passport is lost or stolen while you are abroad.

(Excess HK$200)
10,000
5,000
600
13. Personal Liability
Pays for any amount which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property.
2,500,000
250,000
14. Rental Vehicle Excess
Pays an excess which you become liable to pay under the agreement with licensed rental company for loss of or damage to the vehicle that you rent.
5,000
2,000
15. Golfers' Hole-in-One10
Pays for the cost of hospitality if you achieve a “Hole-in-One” in any recognized golf-course.
5,000
3,000
Not Applicable
16. Automatic Extension of Cover
(Applicable to the above Benefits 8 and 9)
Cover is automatically extended free of charge in the event of delays due to unforeseen events covered under Travel Delay and Trip Rearrangement Sections.
Up to 14 days
Optional Benefits
(For Plan A or B and 2-10 days single trip travel plan
and only applicable if it is shown as being operative in the schedule)
Maximum Benefits Payable (HK$)
1. Extra Sports Equipment Benefits (Applicable to the above Benefit 10 or 11)
(a) Personal baggage sub-limit for all sports equipment.
Extra 5,000
(b) Cover the actual expense for rental of sports equipment due to check-in baggage delayed more than 12 hours.
1,000
2. Upgraded Rental Vehicle Excess(Applicable to the above Benefit 14)
Rental Vehicle Excess.
Extra 5,000
3. Pet Accommodation Protection
Cover additional accommodation expenses for one pet charged by the licensed kennel/cattery or pet hotel for the insured trip if You are unable to collect your dog/cat on the day agreed due to the following reasons:
1,000
(a)the arrival of your return flight is delayed by at least 6 hours; or
(b)You were hospitalized or quarantined outside Hong Kong and as a result You cannot arrive in Hong Kong on the original return date.
Important Notes:
  1. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to only 25% of the Sum Insured.
  2. The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
  3. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age. Family Plan is not offered to Plan C.
  4. The Double Indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 70 years of age at the time of an accident. This extra benefit is not applicable to Plan C.
  5. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded. 
  6. The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age. This extra benefit is not applicable to Plan C.
  7. The Golfers' Hole-in-One benefit will not be available to those Insured Persons who are under 18 years of age.
  8. 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
  9. "Loss of one limb" is defined in the policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
  10. This benefit is not applicable to Insured Person(s) is(are) below 18 years of age and insured under a Family Plan.
  11. Asia: listed countries and areas in Asia including China, Macau, Brunei, Cambodia, Indonesia, Japan, Korea, Laos, Malaysia, Myanmar, Philippines, Singapore, Taiwan, Thailand and Vietnam.
  12. Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
 
Days
Individual Plan Family Plan3,4
Plan A (HK$)
Plan B (HK$)
Plan C (HK$)
Plan A (HK$)
Plan B (HK$)
2
244
186
147
610
464
3
311
229
178
778
572
4
363
259
200
907
648
5
393
289
223
983
724
6
426
322
246
1,064
805
7
456
342
263
1,139
856
8
486
363
278
1,215
907
9
518
382
292
1,296
956
10
549
393
300
1,372
983
11
579
404
309
1,447
1,010
12
600
415
317
1,501
1,037
13
622
426
325
1,555
1,064
14
643
435
333
1,488
1,088
15
662
441
337
1,607
1,102
16
683
456
348
1,655
1,139
17
704
467
356
1,760
1,166
18
726
475
363
1,814
1,188
19
746
486
371
1,866
1,215
20
767
497
379
1,917
1,242
21
786
508
388
1,966
1,269
22
808
518
395
2,020
1,296
23
829
529
403
2,074
1,323
24
850
539
411
2,125
1,347
25
870
550
419
2,176
1,374
26
897
559
427
2,244
1,399
27
923
570
435
2,309
1,426
28
951
579
441
2,379
1,447
29
977
590
449
2,444
1,474
30
1,004
600
457
2,511
1,501
31 up to 182
HK$24 each
additional day
HK$19 each
additional day
Not avaliable
HK$59 each
additional day
HK$49 each
additional day

*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) under 18 years of age.

Optional Benefits5
(Applicable to single trip Plan A or B and 2 - 10 days)
Individual Plan Family Plan3
1. Extra Sports Equipment Benefits (Applicable to the above Benefit 10 or 11)
HK$30 HK$75
2. Upgraded Rental Vehicle Excess(Applicable to the above Benefit 14)
HK$60
(HK$120 for 2 or more insured person)
HK$120
3. Pet Accommodation Protection
HK$30
(for one pet per insured person)
HK$30
(for one pet per family)

Important Notes:
    1. Maximum days per trip of Plan A and Plan B are 182 days. Maximum days per trip of Plan C is 30 days, each trip should be commenced in Hong Kong.
    2. There is no minimum age limit for this plan. Maximum age limit is 85.
    3. Family Plan cover is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age of must be accompanied by a parent or a guardian in the insured trip. Family Plan is not applicable to Plan C.
    4. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
    5. Optional Benefit is applicable to single trip 2 - 10 days. This optional benefit is not applicable to Plan C.
    6. No refund of the premium and the Levy will be allowed once the policy document has been issued.
    7. iTravel Plus (Single Trip) is only available for online purchase.
    8. Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
  • Any liability arising from a contractual agreement without the prior consent of Us is not covered
  • Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
  • Professional or organised dangerous sports or activities
  • Any organized sports, any kind of race, motor rallies and competition, mountaineering or rock-climbing (necessitating the use of ropes or pitons), iceberg climbing, potholing, speed or endurance tests, marathon or any tour with bicycle riding as the main transportation during the insured journey, parachuting, skydiving, hang-gliding, trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level, water motorcycling/ jet-skiing, jet-boating, speed-boating, dune driving, snow motorcycling, ski-jumping, ice hockey, the use of bob-sleighs or skeletons, the use of firearms, or other hazardous pursuits or occupations.
  • Manual work undertaken during business trips
  • Suicide, intentional self-inflicted injury, insanity
  • Mental or nervous disorders, sleep disorder, psychiatric disorder
  • Alcoholic and drug addiction or solvent abuse
  • HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
  • Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
  • Air flight crew
  • Unlawful acts
  • War and terrorism (Except for Terrorism Extended Cover)
  • Nuclear weapons and radiations
  • Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit 10) , tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Annual Travel
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
    • Extra benefits provided for Black Alert and Red Alert under the Outbound Travel Alert System up to HK$50,000 and HK$25,000 respectively:
      • If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of ‘Trip Cancellation and Curtailment’ section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
      • Up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed
      • Additional transport expenses if you are forced to leave the city you are staying to another city in order to return to Hong Kong
      • HK$1,000 cash allowance if you must stay overnight in another city waiting for the necessary public transport to return to Hong Kong
    • Amateur Dangerous Sports and activities4 cover at no extra cost:
      • Include hot-air ballooning, scuba diving, skiing, snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities
    • Loss of Baggage
      • Newly added loss of or damage to mobile phone5 cover up to HK$2,000
    • Natural Disaster cover:
      • Trip Cancellation and Curtailment cover up to HK$50,000
      • Travel Delay cover of HK$250 for first 6 hours of delay and each subsequent period of 12 hours, up to HK$2,000
      • Up to HK$7,500 cover for additional transport and accommodation expenses if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses
    • Terrorism Extension:
      • Terrorism9cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
    • Other benefits:
      • Personal Accident6,7,8cover up to HK$1,000,000
        • Major Burns Benefit up to HK$1,000,000
        • Loss of Limb Benefit cover, which is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, arm, foot or leg under Personal Accident Section
      • Deposit Guarantee of Hospital Admission up to HK$40,000
      • Hospital Cash benefit up to HK$5,000
      • Medical Expenses benefit cover emergency dental treatment, medical and surgical expenses up to HK$1,000,0007,8
      • Comprehensive 24-hour Worldwide Emergency Assistance Services
      • Follow up medical expenses after returning to Hong Kong for up to HK$100,000 for a maximum period within 90 days, including registered herbalists, bonesetters and acupuncture fees up to HK$1,500 in total
      • Personal Liability cover up to HK$2,500,000
      • Personal Money, Documents and Additional Accommodation Expenses cover up to HK$10,000
      • Family Plan3,7covering unlimited number of children
      • Rental Vehicle Excess cover up to HK$5,000

Important Notes:
    1. Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong.
    2. There is no minimum age limit for this plan. Maximum age limit is 75.
    3. Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip.
    4. The Amateur Dangerous Sports And Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 65 years of age.
    5. No mobile phone benefit is payable for Plan B, or if Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
    6. The maximum indemnity under Personal Accident Section for an Insured Person who is under 18 years of age will be limited to HK$250,000.
    7. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
    8. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 65 years of age will be limited to only 25% of the Sum Insured.
    9. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
    10. iTravel Plus (Annual) is only available for online purchase.
    11. Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Benefits
Coverage
Maximum Benefits Payable (HK$)
Plan A
Plan B
1. Personal Accident1,2,3
Accidental Death/Permanent Total Disablement/Loss of two limbs 8 or sight of both eyes/Permanent Total Loss of speech and hearing.
(An advance payment of HK$50,000 cash relief will be paid to your legal representative in the event of your accidental death.)
1,000,000
500,000
Loss of one limb8 or sight of one eye/Permanent Total Loss of speech or hearing. 500,000 250,000
Covers 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy. 1,000,000 500,000
2. Medical Expenses2,3
Pays for necessary medical treatment expenses and reasonable additional transport expenses if it is necessary and unavoidable for you to stay beyond your intended return date due to sickness or bodily injury abroad.

Pays for follow-up medical expenses within 90 days after arrival in Hong Kong up to HK$100,000 including bonesetters’ fees up to HK$150 per visit per day and up to HK$1,500 in total.
1,000,000
500,000
3. Hospital Cash
Pays HK$500 per day when you are hospitalised as an inpatient due to bodily injury or sickness when abroad.
5,000
4. Worldwide Travel Assistance Services6
24-hour worldwide emergency medical evacuation repatriation after treatment.

Deposit guarantee for hospital admission.

Unexpected return to Hong Kong, Compassionate Visit, Children Escort Arrangements, etc.
2,000,000


40,000(as stated in Policy Appendix)

Covered
5. Terrorism Extension4
(Applicable to the above Benefits 1-4)
Extends to provide you with Worldwide Travel Assistance Services as well as cover in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism under Personal Accident and Medical Expenses Sections.
3,000,000
6. Amateur Dangerous Sports Coverage4
Pay you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, skiing, snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities.
Up to 250,000 benefits under the Personal Accident and Medical Expenses Sections
Up to 125,000 benefits under the Personal Accident and Medical Expenses Sections
7. Trip Cancellation and Curtailment
Reimburses expenses of unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e) or close business partner; residential fire or flooding; jury services, witness summons or compulsory quarantine of you; or if you decide to cancel your trip due to adverse weather conditions, natural disaster directly resulting in suspension of public transport, strike, industrial action, riot or mechanical and/or electrical breakdown of the public transport which results in delay in departure from Hong Kong for not less than 24 hours.

For Black Alert and Red Alert under the Outbound Travel Alert System:
  • If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
  • Pays up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed
  • Reimburses additional transport expenses if you are forced to leave the city you are staying for another city in order to return to Hong Kong
  • Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Hong Kong
50,000
25,000
8.
Replacement
Employee7
Reimburses transport costs of sending an employee overseas to replace the insured person who needs to be repatriated to Hong Kong due to bodily injury or sickness. The maximum amount payable will not exceed an economy class air ticket.
20,000
9. Travel Delay
Pays HK$250 for first 6 hours and each subsequent period of 12 hours of delay if
  • the arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport or closure of the airport, or mechanical and/or electrical breakdown of the public transport or
  • your trip is delayed due to the death, serious bodily injury or serious sickness of you, your immediate family members, fiancé (e) or close business partner travelling with you abroad.
  • If the original departure and arrival ports/airports of the Public Transport conveyance that you have arranged are in/from mainland China, the maximum cover is HK$500.
2,000
1,000
10. Trip Rearrangement
Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) you have paid or payments for which you are legally obliged to pay, or reimburses additional transport and/or accommodation expenses incurred, and which are not recoverable from any other source in reaching your planned destination, or for your return trip to Hong Kong if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in Suspension of Public Transport.

Pays for accommodation expenses up to HK$1,000 per day
7,500
5,000
11. Delay Due to Hijack
Pays HK$500 for each day that you are prevented from reaching your scheduled destination through hijack of the aircraft in which you are travelling.
2,500
12. Loss of Baggage
Pays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
  • any single article, pair or set of articles is HK$2,000.
  • all of your sports equipment is HK$5,000 in total.
  • all of your valuables is HK$5,000 in total.
  • all of your cameras, camcorders and audio/video equipment is HK$5,000 in total.
  • any mobile phone is HK$2,000 (mobile phone cover is for plan A only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan)
20,000
15,000
13. Delayed Baggage
Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 12 hours on the outward journey.
1,500
1,000
14.
Loss of Business Documents or Samples
Reimburses the cost of replacing business records, documents or samples which have been lost or damaged.
(The maximum cover for any one article is HK$1,000)

(Excess HK$200)
2,500
15. Personal Money, Documents and Additional Accommodation Expenses
Cover the loss of cash or travellers cheques directly arising from theft, robbery or burglary during the Period of Insurance, subject to a maximum amount of HK$3,000 for Plan A and HK$2,000 for Plan B.9

Reimburses the replacement cost of HK identity card, credit cards,driving licence, travel tickets, hotel vouchers or passport.

Covers the loss of travellers’ cheques and foreign currency purchased in respect of the Journey for up to 72 hours before the planned departure time in Hong Kong due to theft or burglary.

Pays for additional travel and accommodation expenses which are necessary to obtain a replacement passport if your passport is lost or stolen while you are abroad.

(Excess HK$200)
10,000
5,000
16. Personal Liability
Pays for any amount which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property.
2,500,000
17. Rental Vehicle Excess
Pays an excess which you become liable to pay under the agreement with licensed rental company for loss of or damage to the vehicle that you rent.
5,000
18. Automatic Extension of Cover
(Applicable to the above Benefits 2, 9, 10 and 11)
Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under Travel Delay Section(Travel Delay, Trip Rearrangement, Delay Due to Hijack).

Cover is automatically extended free of charge up to 30 days in the event of delays due to bodily injury or illness covered under Medical Expenses Section.
Covered
Important Notes:
  1. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 65 years of age will be limited to only 25% of the Sum Insured.
  2. The maximum indemnity under Personal Accident Section for an Insured Person who is under 18 years of age will be limited to HK$250,000.
  3. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
  4. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
  5. The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 65 years of age.
  6. 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
  7. The Replacement Employee Benefit is only applicable if the Insured is either an incorporated or unincorporated company.
  8. "Loss of one limb" is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
  9. This benefit is not applicable to Insured Person(s) is(are) below 18 years of age and insured under a Family Plan.
  10. Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Plan
Personal Incident
Sum Insured (HK$)
Annual Premium (HK$)
Individual Plan (HK$)
Family Plan* (HK$)
A
1,000,000
2,206
5,514
B 500,000 1,902 4,754

*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) below 18 years of age

  • Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
  • Any liability arising from a contractual agreement without the prior consent of Us is not covered
  • Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
  • Professional or organised dangerous sports or activities
  • Any organized sports, any kind of race, motor rallies and competition, mountaineering or rock-climbing (necessitating the use of ropes or pitons), iceberg climbing, potholing, speed or endurance tests, marathon or any tour with bicycle riding as the main transportation during the insured journey, parachuting, skydiving, hang-gliding, trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level, water motorcycling/ jet-skiing, jet-boating, speed-boating, dune driving, snow motorcycling, ski-jumping, ice hockey, the use of bob-sleighs or skeletons, the use of firearms, or other hazardous pursuits or occupations.
  • Manual work undertaken during business trips
  • Suicide, intentional self-inflicted injury, insanity
  • Mental or nervous disorders, sleep disorder, psychiatric disorder
  • Alcoholic and drug addiction or solvent abuse
  • HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
  • Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
  • Air flight crew
  • Unlawful acts
  • War and terrorism (Except for Terrorism Extended Cover)
  • Nuclear weapons and radiations
  • Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit 12), tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.