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Remarks:

1. The maximum indemnity under Personal Accident and Medical Expenses sections for the Insured Person aged above 70 will be limited to only 50% of the sum insured.
2. 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.
3. We will cover death or permanent disablement arising out of bodily injury and the necessary medical expenses incurred if you suffer from bodily injury or sickness whilst you are taking part in the capacity of an amateur 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, marathon, 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.
4. The Double Indemnity benefit only applicable to Insured Persons who are aged between 18 and 70 at the time of an accident.
5. For family plan, the maximum amount we will pay under Family Assistance Benefit is HK$20,000 for Plan A and HK$10,000 for Plan B.
6. No benefit will be payable if the Insured Persons who are below 18 years of age.
7. You can only claim one of these benefits under Section 2 – Hospital cash and quarantine allowance in respect of any losses arising from the same cause.
8. Only applicable to Insured Persons who are aged below 70 for bodily Injury or sickness.
9. You can only claim under either Section 3 or Section 4 in respect of any losses arising from the same cause.
10. You can only claim under Section 3.1 – Travel Cancellation, Section 3.3 – Travel Postponement, Section 3.4 – Replacement of Traveller, Section 3.5 – Replacement of Employee or Section 3.6 – Insolvency of Licensed Travel Operator results from the same event, we will pay for the claim under one of the sections only.
11. Only applicable to policyholder who is an incorporated or unincorporated company.
12. Your Policy must be purchased before or within 7 days from the date You made Your initial payment or deposit for Your Trip. Otherwise, no claims under this Section will be accepted.
13. You can only claim either Black Alert, Red Alert or Amber Alert, in respect of any losses arising from the same cause.
14. You can only claim under either Section 4.1 – Travel Delay, Section 4.2 - Trip Rearrangement, Section 4.3 – Flight Diversion, Section 4.4 – Overbooked Flight or Section 4.5 – Missed travel connection, but not more than one, in respect of any losses arising from the same cause.
15. You will become eligible for the MSIG Easy Lounge service once you register your flight at least 24 hours before the scheduled departure.
16. For family plan, this benefit is not applicable to the Insured Person(s) is(are) below 18 years of age.
17. Not applicable to the Insured Persons who are below 18 years of age.

Important Notes:

1. Age Limit: Up to 85 years of age.
2. The children benefits of family plan are only applicable to any insured persons aged under 18. Child aged below 12 must be accompanied by at least one adult.
3. Maximum days per trip is 182 days, and each trip should be a round-trip commencing from Hong Kong.
4. We shall not be liable for any claims arising from manual work undertaken during your trips.
5. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
6. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

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.

Travel Period Days	Individual Plan
	Asia			Worldwide
	Plan A （HK$）	Plan B （HK$）	Plan C （HK$）	Plan A （HK$）	Plan B （HK$）	Plan C （HK$）
1	236	180	143	247	189	149
2	257	196	155	269	205	162
3	296	218	170	327	241	187
4	327	234	180	382	272	210
5	354	261	201	413	304	235
6	384	290	222	448	339	259
7	411	308	237	479	360	277
8	486	363	278	584	436	334
9	518	382	292	622	459	351
10	549	393	300	659	472	360
11	579	404	309	695	485	371
12	600	415	317	720	498	381
13	622	426	325	747	512	390
14	643	435	333	772	522	400
15	696	464	354	861	574	439
16	718	479	366	888	593	453
17	740	491	374	916	608	463
18	763	499	382	944	618	472
19	784	511	390	970	632	483
20	806	522	398	998	647	493
21	826	534	408	1,022	661	505
22	1,051	674	514	1,132	726	553
23	1,078	688	524	1,161	741	565
24	1,105	701	535	1,190	755	576
25	1,131	715	545	1,218	770	587
26	1,167	727	556	1,256	783	598
27	1,200	741	566	1,293	798	609
28	1,237	753	574	1,331	811	618
29	1,368	826	629	1,466	889	674
30	1,406	840	640	1,506	900	686
31 - 182 days	Each additional day HK$34	Each additional day HK$28	Each additional day HK$20	Each additional day HK$37	Each additional day HK$30	Each additional day HK$22

Travel Period Days	Family Plan
	Asia			Worldwide
	Plan A （HK$）	Plan B （HK$）	Plan C （HK$）	Plan A （HK$）	Plan B （HK$）	Plan C （HK$）
2	643	490	388	673	513	405
3	740	545	425	818	603	468
4	818	585	451	955	680	525
5	885	653	503	1,033	760	588
6	960	725	555	1,120	848	648
7	1,028	770	593	1,198	900	693
8	1,215	908	695	1,460	1,090	835
9	1,295	955	730	1,555	1,148	878
10	1,373	983	750	1,648	1,180	900
11	1,448	1,010	773	1,738	1,213	928
12	1,500	1,038	793	1,800	1,245	953
13	1,555	1,065	813	1,868	1,280	975
14	1,608	1,088	833	1,930	1,305	1,000
15	1,740	1,160	885	2,153	1,435	1,098
16	1,795	1,198	915	2,220	1,483	1,133
17	1,850	1,228	935	2,290	1,520	1,158
18	1,908	1,248	955	2,360	1,545	1,180
19	1,960	1,278	975	2,425	1,580	1,208
20	2,015	1,305	995	2,495	1,618	1,233
21	2,065	1,335	1,020	2,555	1,653	1,263
22	2,628	1,685	1,285	2,830	1,815	1,383
23	2,695	1,720	1,310	2,903	1,853	1,413
24	2,763	1,753	1,338	2,975	1,888	1,440
25	2,828	1,788	1,363	3,045	1,925	1,468
26	2,918	1,818	1,390	3,140	1,958	1,495
27	3,000	1,853	1,415	3,233	1,995	1,523
28	3,093	1,883	1,435	3,330	2,028	1,545
29	3,420	2,065	1,573	3,665	2,213	1,685
30	3,515	2,100	1,600	3,765	2,250	1,715
31 - 182 days	Each additional day HK$85	Each additional day HK$70	Each additional day HK$50	Each additional day HK$93	Each additional day HK$75	Each additional day HK$55

*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) under 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.

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	60 / 5 days (for one pet per insured person)	60 / 5 days (for one pet per family)
Cruise trip cover	50% of premium	50% of premium

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.

Remarks:

1. The maximum indemnity under Personal Accident and Medical Expenses sections for the Insured Person aged above 65 will be limited to only 50% of the sum insured.
2. 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.
3. We will cover death or permanent disablement arising out of bodily injury and the necessary medical expenses incurred if you suffer from bodily injury or sickness whilst you are taking part in the capacity of an amateur 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, marathon, 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.
4. The Double Indemnity benefit only applicable to Insured Persons who are aged between 18 and 65 at the time of an accident.
5. For family plan, the maximum amount we will pay under Family Assistance Benefit is HK$20,000 for Plan A and HK$10,000 for Plan B.
6. No benefit will be payable if the Insured Persons who are below 18 years of age.
7. You can only claim one of these benefits under Section 2 – Hospital cash and quarantine allowance in respect of any losses arising from the same cause.
8. Only applicable to Insured Persons who are aged below 65 for bodily Injury or sickness.
9. You can only claim under either Section 3 or Section 4 in respect of any losses arising from the same cause.
10. You can only claim under Section 3.1 – Travel Cancellation, Section 3.3 – Travel Postponement, Section 3.4 – Replacement of Traveller, Section 3.5 – Replacement of Employee or Section 3.6 – Insolvency of Licensed Travel Operator results from the same event, we will pay for the claim under one of the sections only.
11. Only applicable to policyholder who is an incorporated or unincorporated company.
12. Your Policy must be purchased before or within 7 days from the date You made Your initial payment or deposit for Your Trip. Otherwise, no claims under this Section will be accepted.
13. You can only claim either Black Alert, Red Alert or Amber Alert, in respect of any losses arising from the same cause.
14. You can only claim under either Section 4.1 – Travel Delay, Section 4.2 - Trip Rearrangement, Section 4.3 – Flight Diversion, Section 4.4 – Overbooked Flight or Section 4.5 – Missed travel connection, but not more than one, in respect of any losses arising from the same cause.
15. You will become eligible for the MSIG Easy Lounge service once you register your flight at least 24 hours before the scheduled departure.
16. For family plan, this benefit is not applicable to the Insured Person(s) is(are) below 18 years of age.
17. Not applicable to the Insured Persons who are below 18 years of age.

Important Notes:

1. Age Limit: Up to 75 years of age.
2. The maximum period of each journey is 90 days. Number of trips per year is unlimited.
3. The children benefits of family plan are only applicable to any insured persons aged under 18. Child aged below 12 must be accompanied by at least one adult.
4. Each trip should be a round-trip commencing from Hong Kong.
5. We shall not be liable for any claims arising from manual work undertaken during your trips.
6. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
7. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

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	Annual Premium (HK$)
	Individual Plan - Worldwide	Family Plan* - Worldwide
A	2,426	6,065
B	2,092	5,231
C	1,151	2,877

*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.

Item(s)	Excess for each and every claim (HK$)
	Plan A	Plan B	Plan C
Extra benefit for the Outbound Travel Alert
• Red Alert	50%	50%	50%
• Amber Alert	75%	75%	75%
Cancellation of journey for any reasons	50%	Not applicable	Not applicable

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$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.

Benefits	Maximum Benefits Payable (HK$)
	Basic Plan	Premier 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	2,000,00025250,00090 days5,000200
Hospital cash (if hospitalised for more than 5 consecutive days) Limit per day		30,000500
Trauma counselling Limit per visit per day		15,0001,500
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	3,000300
Additional transportation and/or accommodation expenses5 Limit per day	5,0001,000
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	20,0003,0005,0005,0005,00010,0002,0001
Delayed baggage	1,500
Loss of travel documents Limit per day of additional accommodation expenses	10,0001,000
Personal 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 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

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 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.