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Latest Promotion

Single Travel

Annual Travel

Latest Promotion
  • Latest Promotion
  • Terms and Conditions

MyWay Travel Insurance

Enjoy exclusive offers on successfully online enrollment of below insurance plans on or before 31 Dec 2024.

Insurance Plan Premium Discount Apply with Fubon/YATA Credit Card
Single Travel Insurance 20% OFF Extra 8x Fubon Bonus Point
Annual Travel Insurance
10% OFF
(for the first policy year)

Wanna stay hassle "free" during your insured journey to Thailand? From 1 Sep 2024 to 31 Dec 2024, eligible customers, who set Fubon Bank as the default receiving bank of mobile number using FPS Addressing Service enrolled in MyWay Travel (Single Trip) Insurance Plan and successfully made a FPS QR Payment to Thailand merchants that support PromptPay via Fubon+, can enjoy a cash reward from Fubon Bank, the maximum reward up to HK$300. You can even earn 8X bonus points upon enrolment with Fubon Credit Card. Offer is subject to relevant policy and terms and conditions.

Click here for offer details

General Terms and Conditions:

  1. The promotion period is from 1 Jan 2024 to 31 Dec 2024 (both dates inclusive) ("Promotion Period").
  2. Within the Promotion Period, successful applicants of MyWay Travel (Single Trip) Insurance Plan or MyWay Travel (Annual) Insurance Plan of MSIG Insurance (Hong Kong) Limited ("MSIG") whose relevant application is made on MSIG's insurance application website accessed through the website of Fubon Bank (Hong Kong) Limited ("Fubon Bank") is entitled to the below discount offer ("Eligible Customer"):
    Insurance Plan Premium Discount 8X Fubon Credit Card Bonus Point
    MyWay Travel (Single Trip) 20% off HK$1 net discounted premium = 8 bonus points
    MyWay Travel (Annual) 10% off on first year policy
  3. The premium discount for MyWay Travel (Annual) Insurance is only applicable to the first year premium of the policy.
  4. These terms and conditions are related to the promotional offer only. No reference has been made to any MSIG insurance policy ("Policy") or any coverage or content. Customers are advised to read and understand the Policy before applying for the relevant insurance.
  5. Fubon Bank and MSIG reserve the right to vary or terminate the Promotional Offer at any time and to amend the terms and conditions from time to time without prior notice.
  6. 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 Offer, the English version shall prevail.

Terms and Conditions of 8X Bonus Points Promotion:

  1. The promotion period is from 01 Jan 2024 until 31 Dec 2024 (“8X Bonus Points Promotion Period”).
  2. 8X Bonus Points Promotion cannot be used in conjunction with other offers.
  3. All matters and disputes related to this 8X Bonus Points Promotion will be subject to the final decision of MSIG Insurance (Hong Kong) Limited (“MSIG”) which reserves the right to amend relevant terms and conditions without prior notice.
  4. Travel Insurance 8X Bonus Point Reward is only applicable to the online purchase of MyWay Travel Insurance with Fubon/YATA Credit Card on the designated MSIG website during the Promotion Period (based on the completion date of transaction, issuance date of the approval code and the transaction must be posted by 7 days after the 8X Bonus Points Promotion Period). For every HK$1 card spending, cardholder shall enjoy extra 7 bonus points from the Travel Insurance 8X Bonus Point Reward in addition to the 1 bonus point granted by the Fubon/YATA Credit Card Bonus Point Program. Other transactions including but not limited to cash advance, administration fee, installment plan and finance charges are not eligible for the Travel Insurance 8X Bonus Point Reward. No bonus point will be offered to any unposted, cancelled or refunded transactions.
  5. The extra bonus point(s) under the Travel Insurance 8X Bonus Point Reward will be automatically awarded to cardholder’s principal card account (must be valid and in normal status) in March 2024 and/or July 2024 and/or November 2024 and/or March 2025 and will be shown on cardholder’s principal card monthly statement.

To borrow or not to borrow? Borrow only if you can repay!


Important Notes:

  1. The above information is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency.
  2. MSIG Insurance (Hong Kong) Limited is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. MSIG Insurance (Hong Kong) Limited is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters.
  3. MSIG Insurance (Hong Kong) Limited is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”).
  4. Fubon Bank is the authorized insurance agency for MSIG Insurance (Hong Kong) Limited, and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for any terms or obligations of the Plan.
  5. In case you file a written complaint regarding the selling process or processing of the related transaction to Fubon Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, Fubon Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after Fubon Bank has issued the final written reply. If the complaint / dispute is related to the policy terms and conditions of the product, it should be resolved directly between MSIG Insurance (Hong Kong) Limited and you. Nevertheless, where practicable and appropriate, Fubon Bank will provide reasonable assistance to customers in the dispute resolution process.
  6. Levy collected by the Insurance Authority (if any) has been imposed on this policy at the applicable rate and would be remitted in accordance with the prescribed arrangements. For further information, please visit www.ia.org.hk/en/levy.
  7. MSIG Insurance (Hong Kong) Limited is a wholly-owned subsidiary of MS&AD Insurance Group Holdings, Inc. and its principal place of business in Hong Kong is at 9/F, 1111 King’s Road, Taikoo Shing, Hong Kong.
  8. The English version shall prevail in case of inconsistency between the English and Chinese versions.
Single Travel
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Natural Disaster cover:
    • Trip Cancellation and Curtailment cover up to HK$45,000
    • Travel Delay cover of HK$250 for each period of 6 hours of delay, up to HK$2,000
    • Up to HK$5,000 cover for additional transport and accommodation expenses if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses
  • Terrorism Extension
    • Terrorism10cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
  • Extra benefits provided for Black Alert under the Outbound Travel Alert System up to HK$45,000
    • 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
  • Amateur Dangerous Sports8 cover 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
  • Personal Liability cover up to HK$2,500,000
  • Personal Accident4,5,6cover up to HK$1,000,000
  • 150% Indemnity7 for Personal Accident up to HK$1,500,000
  • Medical Expenses benefit cover emergency dental treatment, medical and surgical expenses up to HK$1,000,0005,6
  • 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
  • Rental Vehicle Excess cover up to HK$10,000
  • Mobile Phone9 cover up to HK$3,000
  • Automatic Extension of Cover
  • Family Plan3,5covering unlimited number of children
  • Comprehensive 24-hour Worldwide Travel Assistance Services
  • COVID-19 related benefits (applicable to plan A, B and policies enrolled on or before 31 Dec 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 is 182 days under Plan A / Plan B and 30 days under Plan C, 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. No Family Plan offer 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 under Plan A / Plan B and HK$100,000 under Plan C.
  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 150% 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.
  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 at the time of an accident.
  9. The Mobile Phone cover will not be available to those Insured Persons who are below 18 years of age insured under a Family Plan.
  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).

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
Plan C
Destination
Worldwide
Worldwide
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$20,000 cash relief will be paid to your legal representative in the event of your accidental death.)
1,000,000
400,000
200,000
Loss of one limb8 or sight of one eye / Permanent Total Loss of speech or hearing. 500,000 200,000 100,000
Cover 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy. 300,000 200,000 100,000
2. 150% Indemnity for Personal Accident4
150% 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.
1,500,000
600,000
300,000
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 registered herbalists, bonesetters and acupunctures’ fees up to HK$150 per visit per day and up to HK$1,500 in total.
1,000,000
400,000
200,000
4. Worldwide Travel Assistance Services7 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 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.
- Cover under Personal Accident Section 500,000 200,000 100,000
- Cover under Medical Expenses Section 500,000 200,000 100,000
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.
45,000
20,000
2,000
8. Travel Delay
Pays HK$250 for each period of 6 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 serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad.
2,000
1,500
500
9. Trip Rearrangement
Reimburses unused travel and accommodation deposits (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.
5,000
3,500
500
10. Bankruptcy / Winding-up of Airline
Reimburses unused travel and accommodation deposits you have paid or payments for which you are legally obliged to pay, or the additional expenses necessarily and reasonably incurred for purchasing an alternative travel ticket, 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 as a direct result of the airline that you have arranged publicly announces its bankruptcy or winding-up.
2,000
1,000
N/A
11. Loss of Baggage Pays for accidental loss of or damage to personal baggage.
20,000
10,000
2,000
Sub-limits:
• Per single article, pair or set of articles 2,000 2,000 1,000
• All sports equipment 5,000 5,000 2,000
• All cameras, camcorders and audio/video equipment 5,000 5,000 2,000
• Laptops 10,000 10,000 2,000
• Mobile phone9 3,000 N/A N/A
12. Delayed Baggage
Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 6 hours on the outward journey.
1,000
500
250
13. Personal Money, Documents and Additional Accommodation Expenses Reimburses the replacement cost of HK identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport if these documents are lost or stolen while you are abroad.
10,000
5,000
1,000
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. The accommodation expenses up to HK$1,000 per day.
Cover the loss of cash or travelers cheques directly arising from theft, robbery or burglary during the Period of Insurance9. 3,000 1,500 500
14. Personal Liability
Pays for any amount which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property.
2,500,000
1,500,000
1,000,000
15. Rental Vehicle Excess
Pays an excess which you become liable to pay under the agreement with licensed rental company for loss of or damage to the vehicle that you rent.
10,000
5,000
N/A
16. Automatic Extension of Cover
(Applicable to the above Benefits 8 and 9)
Cover is automatically extended free of charge in the event of delays due to unforeseen events covered under Travel Delay and Trip Rearrangement Sections.
Up to 14 days
Optional Benefits
(For 2-10 days single trip travel under Plan A/ Plan B and only applicable if it is shown as being operative in the schedule)
Maximum Benefits Payable (HK$)
1. Extra Sports Equipment Benefits (Applicable to the above Benefit 11 or 12)
(a)Pays for accidental loss of or damage to personal baggage sub-limit for all sports equipment.
Extra 5,000
N/A
(b)Cover the actual expense for rental of sports equipment due to check-in baggage delayed more than 8 hours.
1,000
N/A
2. 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:
 1,000 N/A
(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.
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 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 under Plan A / Plan B and HK$100,000 under Plan C.
  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. The 150% 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.
  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 at the time of an accident.
  7. 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
  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) who is(are) below 18 years of age and insured under a Family Plan.
 
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
142
105
65
352
 259
3
179
128
78
445
 319
4
208
145
102
518
 360
5
225
160
115
560
 403
6
243
179
128
605
 448
7
260
190
134
648
 478
8
278
202
142
689
 506
9
295
213
150
735
 533
10
310
219
154
776
 548
11
329
225
159
818
 563
12
340
230
163
848
 578
13
353
238
167
878
 593
14
365
242
169
908
 608
15
375
245
173
934
 615
16
386
254
180
963
 635
17
398
260
183
993
 650
18
410
265
186
1,023
 662
19
422
270
191
1,050
 678
20
433
278
195
1,080
 692
21
445
283
199
1,108
 708
22
456
289
204
1,138
 722
23
468
295
208
1,168
 738
24
479
300
212
1,196
 750
25
490
308
216
1,225
 766
26
506
312
220
1,262
 779
27
520
318
224
1,298
 795
28
536
323
228
1,338
 806
29
550
329
232
1,373
 820
30
566
335
234
1,411
 836
31
579
346
-
1,445
 865
32 up to 182
HK$18 each additional day
HK$15 each additional day
Not Applicable
HK$45 each additional day
HK$35 each additional day

Optional Benefits5
 Individual Plan Family Plan3
1.Extra Sports Equipment Benefits
 HKD40 HKD100
2.Pet Accommodation Benefit
 HKD30
(for one pet per insured person)		 HKD30
(for one pet per family)

Important Notes :
  1. Maximum days per trip is 182 days under Plan A / Plan B and 30 days under Plan C, 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 must be accompanied by a parent or a guardian in the insured trip. No Family Plan offer for 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 under Plan A / Plan B.
  6. No refund of the premium and Levy paid once the policy document has been issued.
  7. 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 (except for the benefit specifically provided under Loss of Baggage Section), 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
  • Natural Disaster cover:
    • Trip Cancellation and Curtailment cover up to HK$45,000
    • Travel Delay cover of HK$250 for each period of 6 hours of delay, up to HK$2,000
    • Up to HK$5,000 cover for additional transport and accommodation expenses if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses
  • Terrorism Extension
    • Terrorism10cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
  • Extra benefits provided for Black Alert under the Outbound Travel Alert System up to HK$45,000
    • 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
  • Personal Accident4,5,6cover up to HK$1,000,000
  • 150% Indemnity7 for Personal Accident up to HK$1,500,000
  • Medical Expenses benefit cover emergency dental treatment, medical and surgical expenses up to HK$1,000,0005,6
  • 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
  • Amateur Dangerous Sports8 cover 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
  • Rental Vehicle Excess cover up to HK$5,000
  • Mobile Phone9 cover up to HK$3,000
  • Automatic Extension of Cover
  • Family Plan3,5covering unlimited number of children
  • Comprehensive 24-hour Worldwide Travel Assistance Services
  • COVID-19 related benefits (applicable to plan A, B and policies enrolled on or before 31 Dec 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 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.
  2. There is no minimum age limit for this plan. Maximum age limit is 75.
  3. Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip.
  4. The 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 65 years of age will be limited to 25% of the Sum Insured.
  7. The 150% indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 65 years of age at the time of an accident.
  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 65 years of age at the time of an accident.
  9. The Mobile Phone cover will not be available to those Insured Persons who are below 18 years of age insured under a Family Plan.
  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).

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 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
400,000
Loss of one limb8 or sight of one eye / Permanent Total Loss of speech or hearing. 500,000 200,000
Cover 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy. 300,000 200,000
2. 150% Indemnity for Personal Accident4
150% 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.
1,500,000
600,000
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 registered herbalists, bonesetters and acupunctures’ fees up to HK$150 per visit per day and up to HK$1,500 in total.
1,000,000
400,000
4. Worldwide Travel Assistance Services7 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 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.
- Cover under Personal Accident Section 500,000 200,000
- Cover under Medical Expenses Section 500,000 200,000
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.
45,000
20,000
8. Travel Delay
Pays HK$250 for each period of 6 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 serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad.
2,000
1,500
9. Trip Rearrangement
Reimburses unused travel and accommodation deposits (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
5,000
3,500
10. Bankruptcy / Winding-up of Airline
Reimburses unused travel and accommodation deposits you have paid or payments for which you are legally obliged to pay, or the additional expenses necessarily and reasonably incurred for purchasing an alternative travel ticket, 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 as a direct result of the airline that you have arranged publicly announces its bankruptcy or winding-up.
2,000
1,000
11. Loss of Baggage Pays for accidental loss of or damage to personal baggage.
25,000
15,000
Sub-limits:
• Per single article, pair or set of articles 3,000 3,000
• Valuables or all sports equipment 10,000 10,000
• Mobile phone9 3,000 N/A
12. Delayed Baggage
Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 6 hours on the outward journey.
1,500
1,000
13. Personal Money, Documents and Additional Accommodation Expenses Reimburses the replacement cost of HK identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport if these documents are lost or stolen while you are abroad.
10,000
5,000
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. The accommodation expenses up to HK$1,000 per day.
Cover the loss of cash or travelers cheques directly arising from theft, robbery or burglary during the Period of Insurance9. 3,000 2,000
14. 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
15. 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
16. Automatic Extension of Cover (Applicable to the above Benefits 3, 8 and 9)
Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under Travel Delay and Trip Rearrangement Sections.

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
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 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.
  4. The 150% indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 65 years of age at the time of an accident.
  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 65 years of age at the time of an accident.
  7. 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
  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) who is(are) below 18 years of age and insured under a Family Plan.
 
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 Accident Sum Insured
(HK$)		 Annual Premium (HK$)
Individual Plan (HK$)
Family Plan3,4(HK$)
Plan A
 1,000,000
2,000
4,500
Plan B 400,000 1,500 3,500

Important Notes:
  1. Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong.
  2. There is no minimum age limit for this plan. Maximum age limit is 75.
  3. Family Plan 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 must be accompanied by a parent or a guardian in the insured trip.
  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. 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 (except for the benefit specifically provided under Loss of Baggage Section), 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.
Fubon Bank (Hong Kong) Limited ("Fubon Bank") is an insurance agent appointed by MSIG Insurance (Hong Kong) Limited ("MSIG").
The above general insurance plans are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG") which is a general insurer authorized and regulated by the Insurance Authority of the HKSAR. Fubon Bank (Hong Kong) Limited ("Fubon Bank") is an insurance agent appointed by MSIG.
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