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Overseas Study Insurance

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From Hong Kong to Worldwide (Round Trip)

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Latest Promotion

Overseas Study Insurance

Latest Promotion
  • Overseas Study Promotion

Overseas Study Insurance

  • Provide plans with and without medical expenses coverage to fit your budget, catering to your protection needs
  • Personal accident cover of up to HK$1,000,000
  • Optional medical expenses of up to HK$2,000,000 covering both overseas inpatient or outpatient treatment and follow up medical treatment in Hong Kong (including Chinese medicine practitioners' fee), you may also opt for an excess for each hospitalisation claim and get 10% premium discount
  • Provide extensive support for your overseas study with up to HK$300,000 education fund and reimbursement on study cancellation or interruption
  • Provide travel delay and the loss of or damage to personal belongings including mobile phone and tablet computer

Latest Promotion

Apply Overseas Study Insurance from now until 30 Jun 2025 to enjoy special offers:

Insurance PlanExclusive Offers
Overseas Study Insurance

20% off

Offers are subject to terms and conditions, please click here for details.

Overseas Study Insurance
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Optional medical expenses of up to HK$2,000,000 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.

BenefitsMaximum Benefits Payable (HK$)
Basic PlanPremier Plan

Section 1 - Personal Accident

Accidental death/permanent total disablement
1,000,000
Major burns
500,000
Amateur dangerous sports and activities
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
2,000,000
25
250,000
90 days
5,000
200
Hospital cash (if hospitalised for more than 5 consecutive days)
  • Limit per day
30,000
500
Trauma counselling
  • Limit per visit per day
15,000
1,500
Amateur dangerous sports and activities
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
3,000
300
Additional transportation and/or accommodation expenses5
  • Limit per day
5,000
1,000

Section 5 – Trip Cancellation and Curtailment4

Unused travel and accommodation deposits you have paid or payments for which you are legally obliged to pay if your study is unavoidably cancelled within 30 days prior to its commencement or after the trip has begun due to named reasons
50,000

Section 6 - 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 valuables
  • Limit of all cameras, camcorders and audio/video equipment
  • Limit of all laptops
  • Limit of mobile phone or tablet computer
    • Maximum no. of device
  • Excess: HK$200
20,000
3,000
5,000
5,000
5,000
10,000
2,000
1
Delayed baggage
1,500
Loss of travel documents
  • Limit per day of additional accommodation expenses
10,000
1,000
Personal money
2,000

Section 7 - Personal liability

Pay for all sums which you become legally liable to pay as compensation
2,000,000

Section 8 – Household contents at overseas residence

Loss of or damage to household contents as a direct result due to fire, flood, earthquake, tsunami, subsidence/landslip, aircraft damage or impact damage by any road vehicle
12,000

Section 9 - Alternative accomodation

If your overseas residence being rendered uninhabitable due to fire or natural disaster
  • Limit per day
10,000

500

Section 10 - 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 airfare
1,200
5
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
1Only applicable if the insured student is aged 25 or below and unmarried when his/her parent suffers bodily injury. Not applicable if the insured parents are aged above 75 or his/her engagement as a worker or staff stated in major exclusion item 7.
2For winter sports, coverage is only applicable to recreational alpine skiing or snowboarding, tobogganing or sledding; for scuba diving, coverage is only applicable to scuba diving to a depth not greater than 30 meters below sea-level.
3All ancillary leisure trips, which are less than 90 days per trip and outside Hong Kong or Study Country/Region, taken by during the Study Journey are covered.
4Only claim for either section 3, section 4 or section 5, in respect of any losses arising from the same cause.
5Either travel delay cash benefit or additional transport and/or accommodation expenses is payable.

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.

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 tableBasic PlanPremier Plan
(with an Excess of HK$20,000 for each hospitalisation claim)		Premier Plan
Annual premium (HK$)3,0004,5275,030

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.

Standard Chartered Bank (Hong Kong) Limited ("SCBHK") is an insurance agent appointed by MSIG Insurance (Hong Kong) Limited ("MSIG").
The above general insurance plan is underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG") which is a general insurer authorized and regulated by the Insurance Authority of the HKSAR. Standard Chartered Bank (Hong Kong) Limited ("SCBHK") is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information. The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.
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