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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.

 

Travel Insurance

Extra Offers
Choose 1 only
 
 
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Insurance Plan


Depart from Hong Kong (Round Trip)

Traveller(s)





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Latest Promotion

Single Travel

Annual Travel

Latest Promotion
  • Travel Insurance Promotions

iTravel Plus
Travel Insurance Offer

Offer Period:Now to 25 Apr 2019
Apply for any MSIG travel insurance plan within the offer period. Enjoy special discounts and don't miss the chance to earn MSIG$ or Asia Miles !
Don’t forget to login and earn MSIG$1 with every $1 premium, you can redeem an array of fabulous awards via MSIG App.
Single Trip 45% off
  • Reimburses Rental Vehicle
  • Covers Amateur Dangerous Sports
  • Pays HK$250 for first 6 hours of travel delay
  • Worldwide Travel Assistance Service
Annual 30% off
  • Unlimited frequency of travel
  • Covers Amateur Dangerous Sports
  • Personal Accident benefits up to $1,000,000
How to earn Asia Miles
#Asia Miles promotion cannot be used with other promo-code promotions at the same time per policy.
*Calculation based on the net premium of Family Plan A of Annual Travel

iTravel Plus (Single Trip) Premium Table
Days Individual Plan Family Plan*
Plan A (HK$) Plan B (HK$) Plan C (HK$) Plan A (HK$) Plan B (HK$)
3 288 158.4 212 116.6 159 87.5 720 396 529 290.9
5 364 200.2 268 147.4 199 109.5 910 500.5 670 368.5
7 422 232.1 317 174.4 235 129.3 1,055 580.3 793 436.2
*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) under 18 years of age.

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.

Flexible
Optional benefits including extra protection to your sports equipment, upgrade in rental vehicle excess, and accommodation to your pet.

msig mobile app launch

msig mobile app launch

Terms and Conditions:
  1. The promotion period is between 29 Mar 2019 and 25 Apr 2019 (both days inclusive) (the "Promotion Period").
  2. Offers under the promotion are available to successful applicants of iTravel Plus (Single Trip) and iTravel Plus (Annual Trip) travel insurance of MSIG Insurance (Hong Kong) Limited ("MSIG") through online during the Promotion Period ("Eligible Customer").
  3. Eligible Customers who successfully apply for designated insurance policy through online during the Promotion Period, for each iTravel Plus (Single Trip) Insurance policy will be eligible for One (1) Asia Miles for every HK$3 net premium spent and each iTravel Plus (Annual) Insurance policy will be eligible for One (1) Asia Miles for every HK$3 net premium spent .
  4. Customer who held iTravel Plus (Annual) Insurance in the past 3 months (calculated from the date of application) will not be eligible for the 30% premium discount for the first policy year. And the premium discount for the iTravel Plus (Annual Trip) Insurance is only applicable to the first year premium of the policy.
  5. Only one Asia MilesTM membership number can be registered for each policy of the designated plan during the online enrolment. A valid Asia Miles membership number must be provided at the time of enrolment. The submitted Asia Miles membership number must belong to the Eligible Customer and cannot be changed after registration.
  6. The net premium for calculation of Asia Miles will not be rounded up. If the remaining amount after calculation is less than HK$3, these amount will not be entitled.
  7. Asia Miles will be credited to your designated Asia Miles account 6 to 8 weeks upon the month of successful application.
  8. Customers must have not cancelled the relevant insurance enrolments and/or policies at the time when the Asia Miles credited to the designated Asia Miles account number.
  9. Asia Miles promotion cannot be used with other promo-code promotions at the same time per policy.
  10. MSIG is not the supplier of Asia Miles. The earning and redemption of Asia Miles are subject to terms and conditions imposed by the Asia Miles Limited ("AML"). For details, please refer to www.asiamiles.com. Any enquiry or complaint regarding the Asia Miles, the goods redeemed by/ service relating thereto should be directed to the AML. MSIG assume no responsibility / liability in respect thereof.
  11. MSIG reserves the right to replace the Asia Miles earned in the Promotion by alternative rewards without prior notice.
  12. The Asia Miles earned from the Promotion are not transferrable , returnable and cannot be altered or redeemed for cash under any circumstances . Terms and conditions apply.
  13. All matters or disputes in relation to the promotional offers and the interpretation of terms and conditions shall be subject to the decision of MSIG, which shall be final and binding.
  14. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and any details of the promotional offers, the English version shall prevail.

Single Travel
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
    • 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$3,500
      • 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
    • Extra benefits provided for Black Alert under the Outbound Travel Alert System up to HK$50,000:
      • 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
    • Other benefits:
      • Personal Accident4,5,6cover 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$1,000,0005,65,6
      • Comprehensive 24-hour Worldwide Emergency Assistance Services
      • Amateur Dangerous Sports8cover at no extra cost. Amateur Dangerous Sports include hot-air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping or horse riding
      • Double Indemnity7for 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 Plan3,5covering 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 and the application of this policy should be completed before your trip commence.
    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 for Plan C.
    4. 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.
    5. 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.
    6. 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.
    7. 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.
    8. 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.
    9. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded. 
    10. iTravel Plus (Single Trip) 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
(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
Pays you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping and horse riding.
Up to 500,000 under the Personal Accident and Medical Expenses Sections
Up to 250,000 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 under the Outbound Travel Alert System:
  • 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 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.
3,500
3,000
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 cover for any single article, pair or set of articles is HK$2,000 and the overall limit for all sports equipment is HK$5,000)

(Excess HK$200)
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
226
172
131
566
431
3
288
212
159
720
529
4
336
240
179
839
600
5
364
268
199
910
670
6
394
298
220
984
744
7
422
317
235
1,055
793
8
450
336
248
1,125
839
9
480
354
261
1,199
886
10
508
364
268
1,270
910
11
536
374
276
1,341
935
12
556
384
283
1,390
959
13
576
394
290
1,439
984
14
595
403
297
1,488
1,009
15
613
408
301
1,531
1,021
16
632
422
311
1,581
1,055
17
652
432
318
1,630
1,079
18
672
440
324
1,679
1,101
19
691
450
331
1,728
1,125
20
710
460
338
1,774
1,150
21
728
470
346
1,820
1,175
22
748
480
353
1,870
1,199
23
768
490
360
1,919
1,224
24
787
499
367
1,968
1,248
25
806
509
374
2,014
1,273
26
831
518
381
2,079
1,295
27
855
528
388
2,137
1,319
28
881
536
394
2,202
1,341
29
905
546
401
2,263
1,365
30
930
556
408
2,325
1,390
31 up to 182
HK$22 each
additional day
HK$18 each
additional day
Not avaliable
HK$55 each
additional day
HK$46 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 and the application of this policy should be completed before your trip commence.
    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
  • 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
  • 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, 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
  • Unlimited frequency of travel
  • Cover for frequent business traveler:
    • Loss of or damage to portable computer, portable office equipment and camera used in connection with your employment or occupation
    • Reimburses the cost of replacing business records, documents or samples which have been lost or damaged up to HK$2,500
    • Reimburses the transportation costs of sending an employee overseas to replace the insured person who needs to be repatriated to Hong Kong up to HK$20,000
  • Black Travel Alerts benefits for accommodation and transportation expenses.
  • Covers Amateur Dangerous Sports4 e.g. hot-air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping and horse riding at no extra cost
  • Reimburses Rental Vehicle Excess up to HK$5,000
  • Additional transport and/ or accommodation expenses incurred for Trip Rearrangement, up to HK$7,500
  • Cover for Trip Cancellation up to HK$50,000 of unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) due to an over 24-hour delay in departure from Hong Kong caused by:
    • Adverse weather
    • Natural disaster
    • Strike, Riot or Industrial action
    • Mechanical and/or electrical breakdown
  • Terrorism Extension5 cover up to HK$3,000,000 per person for accidental death/permanent total disablement, bodily injury, medical expenses and Worldwide Travel Assistance Services
  • Accidental Death or Permanent Total Disablement (including Major Burns) cover up to HK$1,000,000 1,2,3
  • Covers expenses on Overseas Medical Treatment up to HK$1,000,0002,3 and Overseas Hospital Cash benefit up to HK$5,000
  • Follow Up Medical Treatment in Hong Kong up to HK$100,000 for maximum 90 days (including Registered Chinese Medical Practitioners’ fee. E.g. Bonesetter treatment)
  • Worldwide Travel Assistance Services including medical evacuation & repatriation, children escort arrangements services for unexpected return to Hong Kong etc.

Important Notes:
  1. 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.
  2. 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 maximum indemnity.
  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 HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
  4. 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 at the time of accident.
  5. Any wars or act of terrorism involved in the use of biological, chemical agents or nuclear devices are excluded.
  6. There is no minimum age limit for this plan. Maximum age limit is 75.
  7. 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).
  8. Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong and the application of this policy should be completed before your trip commence.
  9. iTravel Plus (Annual) is only available for online purchase.
  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.
Benefits
Coverage
Maximum Benefits Payable (HK$)
Plan A
Plan B
1. Personal Accident1,2,3
Accidental Death/Permanent Total Disablement/Loss of two limbs 7 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 limb7 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 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 Coverage4
Pays you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping and horse riding.
Up to 500,000 benefits under the Personal Accident and Medical Expenses Sections
Up to 250,000 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 under the Outbound Travel Alert System:
  • 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
Employee9
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 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.
3,500
3,000
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 cover for any single article, pair or set of articles is HK$3,000 and the overall limit for all sports equipment is HK$10,000)

(Excess HK$200)
25,000
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.8

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 Section for an Insured Person who is under 18 years of age will be limited to $250,000.
  2. 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 maximum indemnity.
  3. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to $1,500,000 and the maximum indemnity under Medical Expenses Section will be limited $3,000,000 for all of the Insured Persons who are under 18 years of age.
  4. 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 at the time of accident.
  5. Any wars or act of terrorism involved in the use of biological, chemical agents or nuclear devices are excluded.
  6. 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
  7. "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.
  8. This benefit is not applicable to Insured Person(s) is(are) below 18 years of age and insured under a Family Plan.
  9. The Replacement Employee Benefit is only applicable if the Insured is either an incorporated or unincorporated company.
  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
2,173
5,432
B 500,000 1,811 4,527

*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.
  • Strike or industrial action, riot, adverse weather conditions or natural disaster which has commenced or has been announced before the date of applying for this insurance
  • Any sport in a professional capacity or you could earn income from engaging in such sport
  • Organised sports, mountaineering, speed or endurance tests, parachuting, 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 or other hazardous pursuits or occupations
  • Flying activities other than as a fare-paying passenger on a regular scheduled airline or licensed chartered aircraft
  • Breakage of sports equipment while in use
  • Damage to any brittle or fragile items
  • Loss of or damage to any pager, mobile phone, tablet computer or portable telecommunication equipment , aerial device (including aerial photography equipment) or any of its accessories
  • Any loss not reported within 24 hours of discovery to and You have failed to obtain a report from local police or airline or other carrier who had custody of the baggage and/or may be responsible for the loss
  • Unlawful acts by you or any person acting on behalf of you
  • Any wars or act of terrorism involved in the use of biological, chemical agents or nuclear devices
  • Nuclear weapons and radiations

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.