Travel Insurance

Benefits		Coverage	Maximum Benefits Payable (HK$)
			Gold Plan	Silver Plan	Basic Plan
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	600,000	300,000
		Loss of one limb9 or sight of one eye / Permanent Total Loss of speech or hearing.	500,000	300,000	150,000
		Cover 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy.	1,000,000	600,000	300,000
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	1,200,000	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$65,000 including registered herbalists, bonesetters and acupunctures’ fees up to HK$150 per visit per day and up to HK$1,500 in total.	800,000	400,000	100,000
4.	Hospital Cash	Pays HK$500 per day when you are hospitalized as an inpatient due to bodily injury or sickness when abroad.	6,000	2,000	Not Applicable
5.	Worldwide Travel Assistance Services8	24-hour worldwide emergency medical evacuation & repatriation after treatment. Deposit guarantee for hospital admission. Unexpected return to Hong Kong, Compassionate Visit, Children Escort Arrangements, etc.	2,000,000 40,000 (as stated in Policy Appendix) Covered
6.	Terrorism Extension5 (Applicable to the above Benefits 1-5)	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
7.	Amateur Dangerous Sports and Activities Coverage6	Pays you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving to a depth not greater than 30 meters below sea-level, recreational alpine skiing or snowboarding, tobogganing or sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking at an altitude of below 5,000 meters above sea-level, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities.	250,000	150,000	Not Applicable
		- Cover under Personal Accident Section	250,000	150,000	Not Applicable
		- Cover under Medical Expenses Section	200,000	100,000	Not Applicable
8.	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, closure of the airport, 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	7,500
9.	Travel Delay	Pays HK$250 for first 6 hours of delay and each subsequent period of 12 hours if the arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport or mechanical and/or electrical breakdown of the public transport or your trip is delayed due to the death, serious bodily injury or serious sickness of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad. 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.	3,000	1,000	500
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, closure of the airport, 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	2,000
11.	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 your sports equipment is HK$5,000 in total. all your valuables is HK$5,000 in total. all 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 Gold plan only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan) Excess HK$200	20,000	10,000	5,000
12.	Delayed Baggage	Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 8 hours on the outward journey.	2,500	1,500	750
13.	Personal Money and Documents	Cover the loss of cash or travellers cheques directly arising from theft, robbery or burglary during the Period of Insurance10 Reimburses the replacement cost of HK Identity Card, credit cards, driving licence, travel tickets, hotel vouchers or passport. Excess HK$200	4,000	2,500	1,000
14.	Loss of Passport (Additional Accommodation Expenses)	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$200)	2,000	1,000	500
15.	Personal Liability	Pays for any amount which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property.	2,500,000		500,000
16.	Rental Vehicle Excess	Pays an excess which you become liable to pay under the agreement with licensed rental company for loss of or damage to the vehicle that you rent.	5,000		Not Applicable
17.	Home Contents Cover	Pays for the cost of repair or replacement of damaged home contents due to burglary at your home in Hong Kong during the Period of Insurance	20,000	10,000	Not Applicable
18.	Credit Card Protection7	Pays for any outstanding balance of your credit card(s) for items and services charged while abroad if you sustains bodily injury and caused death during the insured journey	15,000		5,000
19.	Automatic Extension of Cover (Applicable to the above Benefits 9 and 10)	Cover is automatically extended free of charge in the event of delays due to unforeseen events covered under Travel Delay and Trip Rearrangement Sections.	Up to 14 days
Optional Benefits (For 2-10 days single trip travel under Gold / Silver plan and only applicable if it is shown as being operative in the schedule)			Maximum Benefits Payable (HK$)
1.	Extra Sports Equipment Benefits (Applicable to the above Benefit 11 or 12)	(a)Pays for accidental loss of or damage to personal baggage sub-limit for all sports equipment.	Extra 5,000		Not Applicable
		(b)Cover the actual expense for rental of sports equipment due to check-in baggage delayed more than 8 hours.	1,000		Not Applicable
2.	Upgraded Rental Vehicle Excess (Applicable to the above Benefit 16)	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		Not Applicable
3.	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		Not Applicable
		(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.

 

Days	Individual Plan			Family Plan33,4
	Gold Plan (HK$)	Silver Plan (HK$)	Basic Plan (HK$)	Gold Plan (HK$)	Silver Plan (HK$)
1	233	190	140	617	502
2	259	210	151	685	558
3	287	234	162	761	620
4	335	274	184	887	724
5	364	296	191	962	784
6	392	320	216	1,040	847
7	421	343	238	1,115	908
8	449	366	260	1,189	970
9	479	390	283	1,267	1,032
10	506	413	305	1,342	1,093
11	535	436	327	1,417	1,154
12	554	451	342	1,469	1,196
13	574	468	358	1,520	1,238
14	594	484	373	1,573	1,282
15	611	498	386	1,618	1,319
16	630	514	401	1,670	1,361
17	650	529	416	1,722	1,403
18	670	546	432	1,774	1,446
19	690	562	447	1,826	1,488
20	708	577	462	1,874	1,528
21	726	592	476	1,924	1,566
22	745	607	491	1,975	1,609
23	766	624	507	2,027	1,651
24	785	640	522	2,080	1,693
25	803	654	536	2,128	1,734
26	829	676	557	2,196	1,789
27	852	695	575	2,258	1,840
28	878	715	595	2,326	1,895
29	902	736	614	2,392	1,949
30	928	756	634	2,456	2,000
31	956	775	Not Applicable	2,532	2,053
32 up to 182	HK$29 each additional day	HK$23 each additional day	Not Applicable	HK$77 each additional day	HK$60 each additional day

Optional Benefits5	Individual Plan		Family Plan3
1.Extra Sports Equipment Benefits	HKD40		HKD100
2.Upgraded Rental Vehicle Excess	HKD70 (HK$140 for 2 or more insured persons)		HKD140
3.Pet Accommodation Benefit	HKD30 (for one pet per insured person)		HKD30 (for one pet per family)

Benefits		Coverage	Maximum Benefits Payable (HK$)
			Gold Plan	Silver Plan
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	600,000
		Loss of one limb10 or sight of one eye / Permanent Total Loss of speech or hearing.	500,000	300,000
		Cover 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy.	1,000,000	600,000
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	1,200,000
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$100,000 including registered herbalists, bonesetters and acupunctures’ fees up to HK$150 per visit per day and up to HK$1,500 in total.	800,000	400,000
4.	Hospital Cash	Pays HK$500 per day when you are hospitalized as an inpatient due to bodily injury or sickness when abroad.	6,000	2,000
5.	Worldwide Travel Assistance Services9	24-hour worldwide emergency medical evacuation & repatriation after treatment. Deposit guarantee for hospital admission. Unexpected return to Hong Kong, Compassionate Visit, Children Escort Arrangements, etc.	2,000,000 40,000 (as stated in Policy Appendix) Covered
6.	Terrorism Extension5 (Applicable to the above Benefits 1-5)	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
7.	Amateur Dangerous Sports and Activities  Coverage6	Pays you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving not greater than 30 meters below sea-level, recreational alpine skiing or snowboarding, tobogganing or sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking at an altitude of below 5,000 meters above sea-level, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities.	250,000	150,000
		Cover under Personal Accident Section	250,000	150,000
		Cover under Medical Expenses Section	200,000	100,000
8.	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, closure of the airport, 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
9.	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
10.	Travel Delay	Pays HK$250 for first 6 hours of delay and each subsequent period of 12 hours if the arrival/departure of public transport is delayed as a result of closure of the airport, strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport or mechanical and/or electrical breakdown of the public transport or your trip is delayed due to the death, serious bodily injury or serious sickness of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad. 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 HK500.	3,000	1,000
11.	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, closure of the airport, 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
12.	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
13.	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 your sports equipment is HK$5,000 in total. all your valuables is HK$5,000 in total. all 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 Gold plan only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan) Excess HK$200	20,000	10,000
14.	Delayed Baggage	Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 8 hours on the outward journey.	2,500	1,500
15.	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
16.	Personal Money and Documents	Cover the loss of cash or travelers cheques directly arising from theft, robbery or burglary during the Period of Insurance11 Reimburses the replacement cost of HK identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport. Excess HK$200	4,000	2,500
17.	Loss of Passport (Additional Accommodation Expenses)	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)	2,000	1,000
18.	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
19.	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
20.	Home Contents Cover	Pays for the cost of repair or replacement of damaged home contents due to burglary at your home in Hong Kong during the Period of Insurance	20,000	10,000
21.	Credit Card Protection8	Pays for any outstanding balance of your credit card(s) for items and services charged while abroad if you sustains bodily injury and caused death during the insured journey	15,000
22.	Automatic Extension of Cover (Applicable to the above Benefits 3, 10, 11 and 12)	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

 

Plan	Personal Accident Sum Insured (HK$)	Annual Premium (HK$)
		Individual Plan (HK$)	Family Plan3,4(HK$)
Gold	1,000,000	2,279	5,765
Silver	600,000	2,022	5,122

• 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 table		Maximum Benefits Payable Per Year (HK$)
		Basic Plan	Premier Plan
Section 1 - Personal accident 3	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 accommodation	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.