Travel Insurance

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From Hong Kong to Worldwide (Round Trip)

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Annual Cover

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Travel Insurance

MSIG travels with you during the pandemic and offers COVID-19 protection for your journey.

Travel Insurance coverage in relation to COVID-19:

  • $500 daily cash benefit if the insured person is hospitalised overseas as a result of being diagnosed with COVID-19
  • Trip cancellation or postponement due to COVID-19 diagnosis prior to trip commencement
  • Trip disruption or curtailment due to COVID-19 diagnosis during the trip
  • Medical expenses for overseas hospitalisation incurred by COVID-19 treatment

Other travel benefits:

  • Up to HK$2,000,000 in Personal Accident benefits, which also covers up to HK$50,000 for your domestic servant when they accompanying you, for free
  • Up to HK$800,000 of medical expenses cover
  • Rental Vehicle Excess cover up to HK$5,000
  • Up to HK$20,000 of home contents cover, which includes burglaries during your trip
  • No excess on all benefits
Single Trip
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Up to HK$2,000,000 in Personal Accident benefits, which also covers up to HK$50,000 for your domestic servant when they accompanying you, for free
  • Up to HK$800,000 of medical expenses cover
  • Reimbursement of ticket costs for cancelled events
  • Rental Vehicle Excess cover up to HK$5,000
  • Up to HK$20,000 of Home Contents cover, which includes burglaries during your trip. For single trip, free extension of Home Contents cover for up to 30 days after the expiry date of the Policy
  • 24-hour Worldwide Travel Assistance Service
  • No excess on all benefits

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.

BenefitsMaximum Benefits Payable (HK$)
Standard PlanDeluxe Plan
Personal AccidentCovers accidental death or permanent disablement
500,000
1,000,000
Double indemnity for death or permanent disablement when travelling in a private car, public transport or being the victim of a robbery (Only applicable to Insured Person aged 17 – 75)
1,000,000
2,000,000
Extra cover if your domestic servant is involved in a personal accident
50,000
50,000
Maximum benefit for Insured Person aged under 17
250,000
250,000
Medical ExpensesMedical treatment expenses and additional transport expenses incurred for you to stay beyond your intended return date due to bodily injury or sickness aboard
400,000
800,000
Follow-up medical expenses up to 3 months after return to Hong Kong (maximum benefit of HK$50,000)
Bonesetters' fees (HK$150 per visit per day, maximum benefit of HK$1,500)
Hospital CashOverseas hospital cash allowance (HK$500 per day)
3,000
6,000
Cancellation and CurtailmentReimburses unused travel and accommodation expenses resulting from:
  • Bodily injury, sickness or death of the Insured Person, his/her immediate family members, fiancé(e), travel companion or close business partners
  • Strike or industrial action, riot, derangement of public transport, adverse weather conditions or natural disaster causing a delay in departure from Hong Kong for more than 24 hours
25,000
40,000
Black Outbound Travel Alert Cover:
  • Additional transport expenses needed for re-routed return to Hong Kong
  • Travel agent administration charges (maximum benefit of HK$300)
  • Cash allowance while waiting for delayed return public transport to Hong Kong (maximum benefit of HK$1,000)
Travel DelayDelay of public transport caused by its derangement, strike or industrial action, riot, hijack, adverse weather conditions or natural disaster (HK$250 for each 6 hours)
1,200
2,800
Missed DepartureAdditional transportation expenses incurred in reaching departure port or airport caused by public transport curtailment which is due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster
6,000
12,000
Additional transportation and accommodation expenses incurred for the re-routed return trip (maximum benefit of HK$5,000)
Loss of PassportAdditional travel and accommodation expenses incurred in replacing a passport
2,000
2,000
Missed EventRefund of tickets costs for unattended overseas sports, music or entertainment events to be held at overseas
3,000
3,000
Loss of or Delayed BaggageLoss of or damage to baggage (HK$3,000 per article)
9,000
15,000
Check-in baggage delay in outward trip (HK$250 for each 6 hours)
1,000
2,000
Personal Money and DocumentsLoss of cash or traveller's cheques
2,000
5,000
Replacement fees for HKID card, credit card, driving license, travel tickets, hotel vouchers or passport
2,000
5,000
Rental Vehicle ExcessExcess for which you become liable from the loss or damage to your rental vehicle
5,000
5,000
Home ContentsCovers loss of or damage to your home contents resulting from burglary while you are away
Free extension of coverage for 30 days after your return to Hong Kong
10,000
20,000
Free extension of coverage for 30 days after your return to Hong Kong
Personal LiabilityCovers the insured against legal liability to third parties' death, bodily injury or property damage
1,000,000
2,000,000
24-hour Worldwide Travel Assistance Services24-hour worldwide emergency medical evacuation & repatriation after treatment
2,000,000
2,000,000
Unexpected return to Hong Kong, compassionate visit, children escort arrangements, etc.
Deposit guarantees for hospital admission (maximum of HK$40,000)

Important Notes:

  1. The Applicant and Insured Persons of this plan must be residents of the Hong Kong Special Administrative Region. The Applicant must be aged 18 or above.
  2. There is no minimum age limit for this plan. Maximum age limit is 75.
  3. The maximum period of Insurance of Single Trip is 182 days. Each trip should be a round-trip commencing in Hong Kong.
  4. No refund of premium will be allowed once the insurance is issued unless the trip is cancelled by the travel agent before its commencement
  5. Maximum Personal Accident Benefit for Insured Person aged under 17 is HK$250,000.
  6. Insured Persons aged below 12 must be accompanied by a parent or guardian
  7. 24-hour Worldwide Travel Assistance Services are only offered where the Insured Person is outside of his or her place of residence (i.e. Hong Kong).
  8. Major exclusions: pre-existing injury or sickness, act of war and terrorism (except that as provided under Terrorism Extension stated below), participation in illegal acts, professional sports, pregnancy, childbirth, suicide, self-inflicted injury, AIDS, flying other than as a fare-paying passenger etc.
  9. Terrorism Extension against death or bodily injury (including necessary medical expenses thus incurred) provided such terrorist acts do not involve the use of biological, chemical agents or nuclear devices.
  10. Travel Insurance Policy 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. Should there be 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.

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.

Period of Single Travel InsurancePremium (HK$)
InsuredInsured & Spouse1Insured & Children2Family3
Standard
Plan
Deluxe
Plan
Standard
Plan
Deluxe
Plan
Standard
Plan
Deluxe
Plan
Standard
Plan
Deluxe
Plan
1 - 3 Days163200309380276338428520
4 - 5 Days173233328430294384449605
6 - 8 Days223310423573374511566805
9 - 15 Days3385066419365588358441,316
16 - 24 Days4756818791,2607841,1241,1881,771
25 - 31 Days5758251,0931,5269491,3611,4382,145
Each additional week105138194261174228263358

1 Insured & Spouse: Husband and Wife
2 Insured & Children: Father or Mother travelling with any Child(ren) aged under 17 (No limit on number of Child(ren))
3 Family: Husband and Wife travelling with any Child(ren) aged under 17 (No limit on number of Child(ren))

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.

  • Major exclusions: pre-existing injury or sickness, act of war and terrorism (except that as provided under Terrorism Extension stated below), participation in illegal acts, professional sports, pregnancy, childbirth, suicide, self-inflicted injury, AIDS, flying other than as a fare-paying passenger etc.
  • Terrorism Extension against death or bodily injury (including necessary medical expenses thus incurred) provided such terrorist acts do not involve the use of biological, chemical agents or nuclear devices.
  • Travel Insurance Policy 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. Should there be 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.

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 Cover
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
  • Up to HK$2,000,000 in Personal Accident benefits, which also covers up to HK$50,000 for your domestic servant when they accompanying you, for free
  • Up to HK$800,000 of medical expenses cover
  • Reimbursement of ticket costs for cancelled events
  • Rental Vehicle Excess cover up to HK$5,000
  • Up to HK$20,000 of home contents cover, which includes burglaries during your trip
  • 24-hour Worldwide Travel Assistance Service
  • No excess on all benefits

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.

BenefitsMaximum Benefits Payable (HK$)
StandardDeluxe
Personal AccidentCovers accidental death or permanent disablement
500,000
1,000,000
Double indemnity for death or permanent disablement when travelling in a private car, public transport or being the victim of a robbery (Only applicable to Insured Person aged 17 – 75)
1,000,000
2,000,000
Extra cover if your domestic servant is involved in a personal accident
50,000
50,000
Maximum benefit for Insured Person aged under 17
250,000
250,000
Medical ExpensesMedical treatment expenses and additional transport expenses incurred for you to stay beyond your intended return date due to bodily injury or sickness aboard
400,000
800,000
Follow-up medical expenses up to 3 months after return to Hong Kong (maximum benefit of HK$50,000)
Bonesetters' fees (HK$150 per visit per day, maximum benefit of HK$1,500)
Hospital CashOverseas hospital cash allowance (HK$500 per day)
3,000
6,000
Cancellation and CurtailmentReimburses unused travel and accommodation expenses resulting from:
  • Bodily injury, sickness or death of the Insured Person, his/her immediate family members, fiancé(e), travel companion or close business partners
  • Strike or industrial action, riot, derangement of public transport, hijack, adverse weather conditions or natural disaster causing a delay in departure from Hong Kong for more than 24 hours
25,000
40,000
Black Outbound Travel Alert Cover:
  • Additional transport expenses needed for re-routed return to Hong Kong
  • Travel agent administration charges (maximum benefit of HK$300)
  • Cash allowance while waiting for delayed return public transport to Hong Kong (maximum benefit of HK$1,000)
Travel DelayDelay of public transport caused by its derangement, strike or industrial action, riot, hijack, adverse weather conditions or natural disaster (HK$250 for each 6 hours)
1,200
2,800
Missed DepartureAdditional transportation expenses incurred in reaching departure port or airport caused by public transport curtailment which is due to strike or industrial action, riot, adverse weather conditions or natural disaster
6,000
12,000
Additional transportation and accommodation expenses incurred for the re-routed return trip (maximum benefit of HK$5,000)
Loss of PassportAdditional travel and accommodation expenses incurred in replacing a passport
2,000
2,000
Missed EventRefund of tickets costs for unattended overseas sports, music or entertainment events to be held at overseas
3,000
3,000
Loss of or Delayed BaggageLoss of or damage to baggage (HK$3,000 per article)
9,000
15,000
Check-in baggage delay in outward trip (HK$250 for each 6 hours)
1,000
2,000
Personal Money and DocumentsLoss of cash or traveller's cheques
2,000
5,000
Replacement fees for HKID card, credit card, driving license, travel tickets, hotel vouchers or passport
2,000
5,000
Rental Vehicle ExcessExcess for which you become liable from the loss or damage to your rental vehicle
5,000
5,000
Home ContentsCovers loss of or damage to your home contents resulting from burglary while you are away
10,000
20,000
Personal LiabilityCovers the insured against legal liability to third parties’ death, bodily injury or property damage
1,000,000
2,000,000
24-hour Worldwide Travel Assistance Services24-hour worldwide emergency medical evacuation & repatriation after treatment
2,000,000
2,000,000
Unexpected return to Hong Kong, compassionate visit, children escort arrangements, etc.
Deposit guarantees for hospital admission (maximum of HK$40,000)

Important Notes:

  1. The Applicant and Insured Persons of this plan must be residents of the Hong Kong Special Administrative Region. The Applicant must be aged 18 or above.
  2. There is no minimum age limit for this plan. Maximum age limit is 75.
  3. The maximum period of Insurance of Annual Cover is 90 days. Each trip should be a round-trip commencing in Hong Kong.
  4. Maximum Personal Accident Benefit for Insured Person aged under 17 is HK$250,000.
  5. Insured Persons aged below 12 must be accompanied by a parent or guardian.
  6. 24-hour Worldwide Travel Assistance Services are only offered where the Insured Person is outside of his or her place of residence (i.e. Hong Kong).
  7. Major exclusions: pre-existing injury or sickness, act of war and terrorism (except that as provided under Terrorism Extension stated below), participation in illegal acts, professional sports, pregnancy, childbirth, suicide, self-inflicted injury, AIDS, flying other than as a fare-paying passenger etc.
  8. Terrorism Extension against death or bodily injury (including necessary medical expenses thus incurred) provided such terrorist acts do not involve the use of biological, chemical agents or nuclear devices.
  9. Travel Insurance Policy 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. Should there be 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.

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 CoverStandard PlanDeluxe Plan
Per Adult (17 to 75 years of age)1,5002,125
Per Child (below 17 year of age)1,313-

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.

  • Major exclusions: pre-existing injury or sickness, act of war and terrorism (except that as provided under Terrorism Extension stated below), participation in illegal acts, professional sports, pregnancy, childbirth, suicide, self-inflicted injury, AIDS, flying other than as a fare-paying passenger etc.
  • Terrorism Extension against death or bodily injury (including necessary medical expenses thus incurred) provided such terrorist acts do not involve the use of biological, chemical agents or nuclear devices.
  • Travel Insurance Policy 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. Should there be 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.

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.