Travel Insurance

• 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:
• Terrorism¹⁰ cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
• Other benefits:
• Personal Accident^6,7,8 cover 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$1,000,000^7,8
• Comprehensive 24-hour Worldwide Emergency Assistance Services
• Double Indemnity⁹ for 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 Plan^3,7 covering unlimited number of children
• Rental Vehicle Excess cover up to HK$5,000
• Automatic Extension of Cover
• COVID-19 related benefits (applicable to plan A, B and policies enrolled on or before 30 Sep 2024 only)¹¹
  • $500 daily cash benefit (up to 10 days) if the insured person is compulsory quarantined or hospitalised overseas as a result of being diagnosed with COVID-19
  • Trip cancellation or delay due to COVID-19 diagnosis prior to trip commencement
  • Trip curtailment due to COVID-19 diagnosis during the trip
  • Medical expenses for overseas hospitalisation incurred by COVID-19 treatment

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. For COVID-19 related benefits, the Insured Person(s) must fulfil the entry rules and conditions requirement both in Hong Kong and your planned travel destination(s). For any COVID-19 related claims, the claimant must provide PCR-based nucleic acid test record or rapid antigen test results and proofs indicating the confirmed COVID-19 infection (e.g. medical notes, report, government declaration record).
12. iTravel Plus (Single Trip) is only available for online purchase.

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	Maximum Benefits Payable (HK$)
	Plan A (Worldwide)	Plan B (Worldwide)	Plan C (Asia)11
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	2,000,000
Deposit guarantee for hospital admission	40,000(as stated in Policy Appendix)
Unexpected return to Hong Kong, Compassionate Visit, Children Escort Arrangements, etc.	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) 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-One7
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 2-10 days single travel plan and only applicable if it is shown as being operative in the schedule)	Maximum Benefits Payable (HK$)
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
Upgraded Rental Vehicle Excess (Applicable to the above Benefit 14)
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.	Extra 5,000
Pet Accommodation Benefit
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: the arrival of your return flight is delayed by at least 6 hours; or You were hospitalized or quarantined outside Hong Kong and as a result You cannot arrive in Hong Kong on the original return date.	1,000

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.

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 Plan A or B and 2 - 10 days only)	Individual Plan (HK$)	Family Plan3 (HK$)
Extra Sports Equipment Benefits	30	75
Upgraded Rental Vehicle Excess	60 (120 for 2 or more insured person)	120
Pet Accommodation Protection	30 (for one pet per insured person)	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.

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.

Benefits	Maximum Benefits Payable (HK$)
	Plan A	Plan B
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
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 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$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 Cash1,3
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	2,000,000
Deposit guarantee for hospital admission	40,000 (as stated in Policy Appendix)
Unexpected return to Hong Kong, Compassionate Visit, Children Escort Arrangements, etc.	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 under the Personal Accident and Medical Expenses Sections	Up to 125,000 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) Excess HK$200	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 B9. 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	Family Plan*
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.

• Optional medical expenses of up to HK$1,000,000 covering both overseas inpatient or outpatient treatment and follow up medical treatment in Hong Kong (including Chinese medicine practitioners' fee)
• Personal accident cover of up to HK$1,000,000 which covers death and permanent total disablement
• Education fund¹: covers up to HK$300,000 if the insured parent suffer bodily injury resulting in death or permanent disablement
• Cancellation of study and study interruption: covers the unused pre-paid tuition fee, travel and accommodation deposits
• School closure allowance of up to HK$5,000 if unexpected closure of school due to natural disaster or compulsory closed (e.g. due to infectious diseases) by local authority
• Personal belongings protection covers the loss of or damage to baggage and personal belongings including mobile phone or tablet computer up to HK$20,000
• Embrace adventures with amateur dangerous sports and activities coverage, including winter sports, horse riding, water skiing, scuba diving, etc.
• Travel delay protection (including ancillary leisure trips² during your study journey)
• Worldwide emergency assistance services

This factsheet is only a summary of the coverage. For details of 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	Maximum Benefits Payable (HK$)
	Basic Plan	Premier Plan
Section 1. Personal Accident3
Accidental death/permanent total disablement	1,000,000
Major burns	500,000
Amateur dangerous sports and activities3	500,000
Section 2. Medical expenses
Medical expenses at overseas Maximum no. of visits for outpatient treatment Follow up medical treatments in Hong Kong for a temporary visit Maximum no. of days Chinese medicine practitioners' fee Limit per visit per day	Not applicable	1,000,00025100,00090 days3,000200
Hospital cash (if hospitalised for more than 5 consecutive days) Limit per day		5,000500
Trauma counselling Limit per visit per day		15,0001,500
Amateur dangerous sports and activities3		500,000
Section 3. Tuition expenses4
Education fund1 If bodily injury suffered by your parent resulting in death or permanent disablement within 12 months from the date of the accident	300,000
Cancellation of study Unused pre-paid tuition fee and travel and accommodation deposits if your study is unavoidably cancelled before departure from Hong Kong due to named reasons Limit under Black Outbound Travel Alert Limit under Red Outbound Travel Alert	50,000 100%50%
Study interruption Unused pre-paid tuition fee or re-attend fee of the missing course if your study is interrupted due to death or serious injury or sickness of you or your family member Limit of additional or unused travel and accommodation expenses if your study is abandoned and you return to Hong Kong permanently	200,000 20,000
School closure daily cash allowance if your school is closed more than 3 consecutive days due to natural disaster or compulsory closure by local authority Limit per day	5,000 500
Section 4. Travel delay4
Cash benefit5 Limit per each 6 hours of delay	3,000300
Additional transportation and/or accommodation expenses5 Limit per day	5,0001,000
Section 5. Personal belongings
Loss of or damage to your personal baggage or belongings Limit per article, pair or set of articles Limit of all sports equipment Limit of all valuables6 Limit of all cameras, camcorders and audio/video equipment Limit of all laptops Limit of mobile phone or tablet computer6 Maximum no. of device Excess: HK$200	20,0003,0005,0005,0005,00010,0002,0001
Delayed baggage	1,500
Loss of travel documents Limit per day of additional accommodation expenses	10,0001,000
Personal money6	2,000
Section 6. Personal liability
Pay for all sums which you become legally liable to pay as compensation	1,000,000
Section 7. Alternative accomodation
If your overseas residence being rendered uninhabitable due to fire or natural disaster Limit per day	10,000500
Section 8. Terrorism extension (applicable to the above Section 1 and 2 only)
Extends to cover you in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism	3,000,000
Emergency assistance services
24-hour assistance hotline	Included
Compassionate visit (if hospitalised for more than 5 consecutive days) Limit per day of accommodation expenses Maximum no. of day for accommodation	One economy class airfare1,2005
Unexpected return to Hong Kong (in the event of the death of your family member)	One economy class airfare
Emergency medical evacuation and repatriation after treatment	2,000,000
Deposit guarantee for hospital admission	40,000
Repatriation of mortal remains/ ashes	250,000

¹ Only applicable if the insured student is aged 25 or below and unmarried when his/her parent suffers bodily injury. Not applicable if the insured student's parents are aged above 75 or his/her engagement as a worker or staff stated in major exclusion item 7.
² All ancillary leisure trips, which are less than 30 days per trip and outside Hong Kong or Study Country/Region, taken by during the Study Journey are covered.
³ For the insured student who is aged below 18, the maximum payable is 50% of the limits of Personal Accident Section and Amateur Dangerous Sports and Activities Extension.
⁴ Only claim for either section 3 or section 4, in respect of any losses arising from the same cause.
⁵ Either travel delay cash benefit or additional transport and/or accommodation expenses is payable.
⁶ Not applicable to the insured student who is aged below 18.

Important Notes:

1. The insured student must be aged between 6 and 50 and not a passport holder of the study country/region.
2. The applicant and insured student must be Hong Kong resident and at the time of application the insured student has not yet left Hong Kong for the study journey meant to be covered.
3. The study journey should be originating from Hong Kong.
4. MSIG reserves the right to request proof of study upon claims.

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.

Premium table	Basic Plan	Premier Plan (with an Excess of HK$20,000 for each hospitalisation claim)	Premier Plan
Annual premium (HK$)	3,000	4,527	5,030

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 1 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 circumstances or medical conditions giving rise to a claim under this policy known to have existed at the time of application or at the date of arranging the study journey
• Any sport in a professional capacity or could earn income or remuneration from engaging in such sport
• Suicide, intentional self-inflicted injury, insanity, mental or nervous disorders, sleep disorder, psychiatric disorder
• Influence of drugs or alcohol
• HIV and/or any HIV related illness including AIDS
• Flying activities other than as a fare-paying passenger with a licensed and scheduled routes carrier
• Engagement as a worker or staff in any form of manual employment or occupation, hazardous work or occupation, or listed under general exclusion of the policy
• Fighting (except in bona fide self defence), provoked assault, resistance to arrest
• Unlawful acts
• Consequential loss of any kind
• Any misrepresentation or omission to inform us of any material information
• Delay, confiscation, detention, nationalisation, requisition or destruction of or damage to property
• Pressure waves from aircraft and other airborne devices travelling at sonic or supersonic speeds
• War and terrorism (Except for terrorism extension cover)
• Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons

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.