Travel insurance* coverage in relation to COVID-19
Product
iTravel Plus (Annual)
Annual travel protection for frequent travellers
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Plan Highlights
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Extra Benefits for Black Alert and Red Alert Under the Outbound Travel Alert SystemUp to HK$50,000 and HK$25,000 respectively |
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Loss of or Damage to Mobile Phone5Up to HK$2,000 |
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Amateur Dangerous Sports and Activities4Cover at no extra cost |
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Trip Cancellation and CurtailmentUp to HK$50,000 unused travel and accommodation expenses which are not recoverable (including overseas local tour packages or admission tickets to any major sporting event, concert or theme park etc.) |
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Trip RearrangementUp to HK$7,500 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 |
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Terrorism Extension9Up to HK$3,000,000 per person for accidental death/permanent total disablement, bodily injury, medical expenses and worldwide travel assistance services |
Plan details
Benefits
| Benefits at a Glance | Maximum Benefits Payable (HK$) | |
|---|---|---|
|
Plan A |
Plan B |
|
Personal Accident1,2,3Accidental death/permanent total disablement/loss of two limbs or sight in 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 |
$500,000 |
|
Loss of one limb8 or sight in one eye/permanent total loss of speech or hearing |
$500,000 |
$250,000 |
|
Covers 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy |
$1,000,000 |
$500,000 |
Medical Expenses1,3Pays 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 acupuncture’ fees up to HK$150 per visit per day and up to HK$1,500 in total |
$1,000,000 |
$500,000 |
Hospital CashPays HK$500 per day up to HK$5,000 in total when you are hospitalised as an inpatient due to bodily injury or sickness when abroad |
$5,000 |
$5,000 |
Terrorism Extension9Extends 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 the Personal Accident & Medical Expenses Sections. (Any acts of terrorism involving the use of biological, chemical agents or nuclear devices are excluded) |
$3,000,000 |
$3,000,000 |
Amateur Dangerous Sports and Activities Coverage4Pay you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, recreational alpine skiing or snowboarding, tobogganing or sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities |
Up to $250,000 under the Personal Accident and Medical Expenses Sections |
Up to $125,000 under the Personal Accident and Medical Expenses Sections |
24-hour Worldwide Travel Assistance Services6
|
$2,000,000 |
$2,000,000 |
|
$40,000 |
$40,000 |
|
Covered |
Covered |
Trip Cancellation and CurtailmentReimburses 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 or closure of the airport, 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 and Red Alert under the Outbound Travel Alert System:
|
$50,000 |
$25,000 |
Replacement Employee7Reimburses 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 | $20,000 |
Travel DelayPays HK$250 for each 6-hour period of delay and each subsequent period of 12 hours if:
|
$2,000 | $1,000 |
Trip Rearrangement
|
$7,500 |
$5,000 |
Delay Due to Hijack
|
$2,500 |
$2,500 |
Loss of BaggagePays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
|
$20,000 |
$15,000 |
Delayed BaggagePays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 12 hours on the outward journey |
$1,500 |
$1,000 |
Loss of Business Documents or Samples
|
$2,500 |
$2,500 |
Personal Money, Documents and Additional Accommodation Expenses
|
$10,000 |
$5,000 |
Personal LiabilityPays for any amount for 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 |
$2,500,000 |
Rental Vehicle Excess CoverPays an excess for which you become liable to pay under the agreement with a licensed rental company for loss of or damage to the vehicle that you rent |
$5,000 |
$5,000 |
Automatic Extension of Cover
|
Covered |
Covered |
Important Notes:
- 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 only 25% of the sum insured.
- The maximum indemnity under Personal Accident Section for an insured person who is under 18 years of age will be limited to HK$250,000.
- 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$3,000,000 for all of the insured persons who are under 18 years of age.
- The Amateur Dangerous Sports and Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those insured persons who are over 65 years of age.
- Mobile phone cover is for Plan A only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan
- 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
- The Replacement Employee Benefit is only applicable if the Insured is either an incorporated or unincorporated company.
- "Loss of one limb" is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
- Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
*Collection of Levy on Insurance Premium: Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
| Personal Accident Sum Insured | Annual Premium (HK$) | |
|---|---|---|
|
Individual Plan |
Family Plan3,4 |
|
|
A - $1,000,000 |
$2,206 |
$5,514 |
|
B - $500,000 |
$1,902 |
$4,754 |
Important Notes:
- Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong.
- There is no minimum age limit for this plan. Maximum age limit is 75.
- 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.
- 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$3,000,000 for all of the Insured Persons who are under 18 years of age.
- iTravel Plus (Annual) is only available for online purchase.
*Collection of Levy on Insurance Premium:
The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product brochure are subject to levy.
This product leaflet is for reference only. Please refer to the policy wording for details for the coverage, terms, conditions and exclusions.
Exclusions
- Any liability arising from a contractual agreement without the prior consent of Us is not covered
- Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
- Professional or organised dangerous sports or activities
- Trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level
- Manual work undertaken during business trips
- Suicide, intentional self-inflicted injury, insanity
- Mental or nervous disorders, sleep disorder, psychiatric disorder
- Alcoholic and drug addiction or solvent abuse
- HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
- Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
- Air flight crew
- Unlawful acts
- War and terrorism (Except for Terrorism Extended Cover)
- Nuclear weapons and radiations
- Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit “Loss of Baggage”), tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like
Excess
| Excess for each and every claim (HK$) | |
|---|---|
| Loss of Baggage |
First $200 of each and every claim |
|
Loss of Business Documents or Samples |
|
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Personal Money, Documents and Additional Accommodation Expenses |
TravelSurance 7.0
The easy way to enjoy travel
Plan Highlights
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Extra Benefits for Black Alert and Red Alert Under the Outbound Travel Alert SystemUp to HK$50,000 and HK$25,000 respectively |
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Travel Delay CoverHK$250 for each 6-hour period of delay, up to HK$2,000 |
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Amateur Dangerous Sports and Activities CoverageCover at no extra cost |
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Loss of or damage to mobile phone8Up to HK$2,000 |
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Trip Cancellation and Curtailment CoverUp to HK$50,000 which extends to trip cancellation and curtailment due to the death, serious bodily injury or serious sickness of your travel companion |
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Trip RearrangementUp to HK$7,500 cover for additional transport and accommodation expenses, if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses |
Plan details
Benefits
| Benefits at a Glance | Maximum Benefits Payable Per Year (HK$) | ||
|---|---|---|---|
| Plan A | Plan B | Child Plan | |
Personal AccidentAccidental death/permanent total disablement/loss of two limbs or sight in both eyes/permanent total loss of speech and hearing |
$1,000,000 | $500,000 | $250,000 |
| Loss of one limb6 or sight in one eye/permanent total loss of speech or hearing | $500,000 | $250,000 | $125,000 |
| Covers 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy | $500,000 | $250,000 | $125,000 |
| 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 | $1,000,000 | N/A |
Medical ExpensesPays 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 Chinese medicine practitioners' fees up to HK$150 per visit per day and up to HK$1,500 in total |
$1,000,000 | $500,000 | $250,000 |
Hospital CashPay HK$500 per day when you are hospitalised as an inpatient due to bodily injury or sickness when abroad |
$2,000 | $1,000 | $500 |
Terrorism Extension7Extends 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 the Personal Accident & Medical Expenses Sections |
$3,000,000 | $3,000,000 | $3,000,000 |
Dangerous Sports and Activities Coverage
|
50% of the maximum benefits under the Personal Accident ＆ Medical Expenses Sections | 50% of the maximum benefits under the Personal Accident ＆ Medical Expenses Sections | 50% of the maximum benefits under the Personal Accident ＆ Medical Expenses Sections |
24-hour Worldwide Travel Assistance Services |
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$2,000,000 | $2,000,000 | $2,000,000 |
|
$40,000 | $40,000 | $40,000 |
|
Covered | Covered | Covered |
Trip Cancellation and CurtailmentReimburses expenses of unused travel and accommodation if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e), close business partner or travel companion; 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, mechanical and/or electrical breakdown of the public transport or closure of the airport 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:
|
$50,000 | $25,000 | $15,000 |
Travel DelayPays HK$250 for each 6-hour period of delay if:
|
$2,000 | $1,500 | $1,000 |
Trip Rearrangement
|
$7,500 | $5,000 | $2,500 |
Loss of Passport
|
$2,000 | $2,000 | N/A |
Loss of BaggagePays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
|
$20,000 | $15,000 | $10,000 |
Delayed Baggage
|
$1,500 | $1,000 | $500 |
Personal Money and Documents
|
$3,000 | $2,500 | $2,000 |
Personal Liability
|
$2,500,000 | $2,500,000 | $2,500,000 |
Rental Vehicle Excess Cover
|
$5,000 | $5,000 | N/A |
Golfers' Hole-in-One
|
$5,000 | $3,000 | N/A |
Automatic Extension of Cover
|
Covered | Covered | Covered |
Important Notes:
- Child Plan only applies to those aged below 18. Child aged below 12 must be accompanied by a parent or guardian.
- Plan A and Plan B only apply to those aged between 18 to 85.
- The maximum indemnity under Personal Accident and Medical Expenses Sections for an insured person aged above 70 will be limited to only 25%.
- The double indemnity for personal accident will not be available to those insured persons covered under Child Plan or aged over 70 at the time of an accident covered under Plan A /B.
- Automatically extended for a maximum of 14 days if the trip of the insured person is delayed due to unforeseen events covered under the Travel Delay, Trip Rearrangement and Loss of Passport Sections.
- “Loss of one limb” is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
- Any acts of terrorism involving the use of biological or chemical agents, or nuclear devices are excluded.
- Mobile phone benefit is payable for Plan A only.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
| Days | Premium (HK$) | ||
|---|---|---|---|
| Plan A | Plan B | Child Plan | |
| 2 | 164 | 114 | 87 |
| 3 | 204 | 139 | 105 |
| 4 | 236 | 160 | 124 |
| 5 | 254 | 179 | 143 |
| 6 | 273 | 197 | 161 |
| 7 | 293 | 209 | 174 |
| 8 | 310 | 223 | 186 |
| 9 | 329 | 236 | 197 |
| 10 | 348 | 242 | 205 |
| 11 | 367 | 247 | 211 |
| 12 | 380 | 254 | 217 |
| 13 | 392 | 260 | 223 |
| 14 | 405 | 266 | 229 |
| 15 | 417 | 273 | 236 |
| 16 | 430 | 279 | 242 |
| 17 | 442 | 286 | 247 |
| 18 | 455 | 292 | 249 |
| 19 | 467 | 299 | 253 |
| 20 | 480 | 305 | 257 |
| 21 | 493 | 311 | 259 |
| 22 | 505 | 317 | 264 |
| 23 | 518 | 323 | 268 |
| 24 | 530 | 331 | 272 |
| 25 | 543 | 336 | 274 |
| 26 | 560 | 342 | 278 |
| 27 | 575 | 350 | 281 |
| 28 | 591 | 355 | 285 |
| 29 | 608 | 362 | 289 |
| 30 | 625 | 369 | 292 |
| 31 up to 182 | HK$16 for each additional day | HK$13 for each additional day | HK$9 for each additional day |
Important Notes:
- Age Limit: up to 85 years of age.
- Maximum Days Per Trip: 182 days.
- Child Plan only applies to those aged below 18. Child aged below 12 must be accompanied by a parent or guardian.
- Plan A and Plan B only apply to those aged 18 to under 85.
- The maximum indemnity under Personal Accident and Medical Expenses Sections for the Insured Person aged aged above 70 will be limited to only 25% of the sum insured.
- The double indemnity benefit under Personal Accident section will not be available to those Insured Persons covered under Child Plan or aged over 70 at the time of an accident covered under Plan A/B.
- If you are simultaneously enjoying protection against any act of terrorism under more than one insurance policy underwritten by us, the maximum aggregate limit of indemnity of terrorism cover to which you are entitled will be subject to the terms and conditions of these policies.
- Cover does not begin until the proposal form has been accepted and the premium paid, except as provided in writing by MSIG Insurance (Hong Kong) Limited.
- No refund of the premium is allowed once the policy document /certificate of insurance has been issued.
^Important Note: Collection of Levy on Insurance Premium - The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with e ect from 1st January 2018. As a result, all premium amounts shown in this product brochure are subject to levy.
Exclusions
Important Notes:
- Any liability arising from a contractual agreement without prior consent of us is not covered
- Any liability arising from the loss of or damage to property which belongs to or is in custody or control of you or your family members is not covered
- Professional or organised dangerous sports or activities
- Manual work undertaken during business trips
- Suicide, intentional self-inflicted injury, insanity, mental or nervous disorders, sleep disorder or 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 scheduled airline or licensed chartered aircraft
- Air flight crew
- Unlawful acts
- Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above 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
- Loss of or damage to any aerial device and their accessories and spare parts including aerial photography equipment
- Trekking or hiking at an altitude of over 5,000 metres above sea-level or scuba diving to a depth greater than 30 metres below sea-level
- Denting and scratching
- War and terrorism (Except for Terrorism Extended Cover)
- Nuclear weapons and radiation
Annual TravelSurance 4.0
Perfect for frequent travellers
Plan Highlights
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Extra Benefits for Black Alert and Red Alert Under the Outbound Travel Alert SystemUp to HK$50,000 and HK$25,000 respectively |
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Travel Delay CoverHK$250 for each 6-hour period of delay, up to HK$2,000 |
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Amateur Dangerous Sports and Activities CoverageCover at no extra cost |
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Loss of or Damage to Mobile Phone3Up to HK$2,000 |
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Trip Cancellation and Curtailment CoverUp to HK$50,000 which extends to trip cancellation and curtailment due to the death, serious bodily injury or serious sickness of your travel companion |
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Trip RearrangementUp to HK$7,500 cover for additional transport and accommodation expenses, if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses |
Plan details
Benefits
| Benefits at a Glance | Class | Maximum Benefits Payable Per Year (HK$) | |
|---|---|---|---|
| Gold Plan | Silver Plan | ||
Personal AccidentPays 100% of the sum insured in the event of 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) |
A B C D E F |
$500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 |
$500,000 $1,000,000 $2,000,000 $3,000,000 $4,000,000 $5,000,000 |
|
Pays 50% of the sum insured in the event of loss of one limb2 or sight of one eye/permanent total loss of speech or hearing |
A B C D E F |
$250,000 $500,000 $1,000,000 $1,500,000 $2,000,000 $2,500,000 |
$250,000 $500,000 $1,000,000 $1,500,000 $2,000,000 $2,500,000 |
|
Covers third degree burns of the minimum percentage of the surface area of your body as specified in the policy. |
A - F |
$250,000 |
$250,000 |
Medical Expenses
|
A - F | $1,000,000 | $1,000,000 |
Hospital CashPays HK$500 per day up to HK$5,000 in total when you are hospitalised as an inpatient due to bodily injury or sickness when abroad |
A - F |
$5,000 |
$5,000 |
Terrorism ExtensionExtends 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 the Personal Accident & Medical Expenses Sections. (Any acts of terrorism involving the use of biological, chemical agents or nuclear devices are excluded) |
A - F |
$3,000,000 |
$3,000,000 |
Dangerous Sports and Activities Coverage
|
A - F |
50% of the maximum benefits under the Personal Accident & Medical Expenses Sections |
50% of the maximum benefits under the Personal Accident & Medical Expenses Sections |
24-hour Worldwide Travel Assistance Services |
|
||
|
A - F |
$2,000,000 |
$2,000,000 |
|
A - F |
$40,000 |
$40,000 |
|
A - F | Covered | Covered |
Trip Cancellation and CurtailmentReimburses expenses of unused travel and accommodation if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e), close business partner or travel companion; 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, mechanical and/or electrical breakdown of the public transport or closure of the airport 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:
|
A - F |
$50,000 |
N/A |
Replacement EmployeeReimburses 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. (This is only applicable if the insured is either an incorporate or unincorporate company) |
A - F |
$20,000 |
N/A |
Travel DelayPays HK$250 for each 6-hour period of delay if:
|
A - F |
$2,000 |
N/A |
Trip Rearrangement
|
A - F |
$7,500 |
N/A |
Loss of Passport
|
A - F |
$2,000 |
N/A |
Delay Due to Hijack
|
A - F |
$2,500 |
N/A |
Loss of BaggagePays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
|
A - F |
$25,000 |
N/A |
Delayed Baggage
|
A - F |
$1,500 |
N/A |
Loss of Documents or Samples
|
A - F |
$2,500 |
N/A |
Loss of Personal Money
|
A - F |
$3,000 |
N/A |
Personal Liability
|
A - F |
$2,500,000 |
N/A |
Rental Vehicle Excess Cover
|
A - F |
$5,000 |
N/A |
Automatic Extension of Cover
|
A - F |
Covered |
Covered |
Important Notes:
- Gold Plan covers all Sections. Silver Plan covers Personal Accident and Medical Expenses only. An additional premium of HK$170 will be charged for each additional section. All “Additional Benefits” are applicable to Gold and Silver Plans.
- “Loss of one limb” is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
- This benefit is applicable to Gold Plan and those aged over 18 only.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
| Individual Plan | Annual Premium (HK$) | ||
|---|---|---|---|
Class (Personal Accident Sum Insured) |
Gold Plan Full Cover |
Silver Plan Basic Cover -
|
|
| A - 500,000 | $1,620 | $1,150 | |
| B - 1,000,000 | $1,905 | $1,480 | |
| C* - 2,000,000 | $2,475 | $1,810 | |
| D* - 3,000,000 | $3,045 | $2,200 | |
| E* - 4,000,000 | $3,615 | $2,700 | |
| F* - 5,000,000 | $4,185 | $3,260 | |
*Class C, D, E & F are not applicable to those insured persons above 65 years of age
| Family Plan** | Annual Premium (HK$) | ||
|---|---|---|---|
Family groupings /
|
Gold Plan Full Cover |
Silver Plan Basic Cover -
|
|
2 Adults (Parents) & ChildrenClass A - 500,000 Class B - 1,000,000 |
$4,040 $4,755 |
N/A N/A |
|
1 Adult (Father/Mother) & ChildrenClass A - 500,000 Class B - 1,000,000 |
$2,420 $2,850 |
N/A N/A |
|
**Family Plans are only applicable to the Full Cover of Gold Plan
Important Notes
- Age Limit : Below 75 years of age.
- The maximum period of each journey is 90 days. Number of trips per year is unlimited.
- The children benefits of family plan apply only to any insured persons aged under 18. Child aged below 12 must be accompanied by a parent or guardian.
- Each trip should be a round-trip commencing from Hong Kong.
- For insured persons aged below 18, the maximum indemnity will be limited to HK$150,000 per person under Section 1 (Personal Accident). For all insured persons aged below 18, the total maximum indemnity will be limited to HK$450,000 under Section 1 (Personal Accident) and HK$450,000 under Section 2 (Medical Expenses)and the maximum indemnity will be limited to HK$2,5000,000 per person under section 6 (Personal Liability).
- For insured persons aged above 65, Section 1 (Personal Accident) and Section 2 (Medical Expenses) benefits are limited to 25% of maximum Sum Insured, and No Amateur Dangerous Sports and Activities Extension shall apply.
- If you are simultaneously enjoying protection against any act of terrorism under more than one insurance policy underwritten by us, the maximum aggregate limit of indemnity of terrorism cover to which you are entitled will be subject to the terms and conditions of these policies.
- Cover does not begin until the proposal form has been accepted and premium paid, except as provided in writing by MSIG Insurance (Hong Kong) Limited.
- We shall not be liable for any claims arising from manual work undertaken during your trips.
N.B.: This is only a summary of the coverage. For details of terms, conditions and exclusions, please refer to the policy wording. A copy will be provided upon request.
^Important Note: Collection of Levy on Insurance Premium - The 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 product proposal form are subject to levy.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Exclusions
- Any liability arising from a contractual agreement without prior consent of us is not covered
- Any liability arising from the loss of or damage to property which belongs to or is in custody or control of you or your family members is not covered
- Professional or organised dangerous sports or activities
- Manual work undertaken during business trips
- Suicide, intentional self-inflicted injury, insanity, mental or nervous disorders, sleep disorder or 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 scheduled airline or licensed chartered aircraft
- Air flight crew
- Unlawful acts
- Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above 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
- Loss of or damage to any aerial device and their accessories and spare parts including aerial photography equipment
- Trekking or hiking at an altitude of over 5,000 metres above sea-level or scuba diving to a depth greater than 30 metres below sea-level
- Denting and scratching
- War and terrorism (Except for Terrorism Extended Cover)
- Nuclear weapons and radiation
Faq Section
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Please note that there are three possible scenarios:
- If you choose to cancel your trip, without any signs or symptoms of illness, this would not be covered by your travel insurance.
- If you are diagnosed with, or display signs or symptoms of, serious sickness before you purchase our travel insurance, this would not be covered.
- However, if you are diagnosed with a serious sickness and are certified by a Legally Registered Medical Practitioner as unable to travel overseas after purchasing your travel insurance, you may make a claim under the Trip Cancellation section of your policy. Our claims team will assess your claim based on the terms and conditions of your policy.
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This scenario is not normally covered by your travel insurance, however we have made special arrangements for this due to the exceptional coronavirus situation. If your trip is cancelled because you are unable to travel or because your destination country has banned flights or immigration from Hong Kong travellers or the travel agent cancels the tour, as a result of COVID-19 outbreak; you can apply for a premium refund of your single trip travel insurance. We also suggest that you check with your travel agent, airline company or hotel in case they can provide you with options for re-scheduling or refunds of your other travel expenses.
Click here to apply for your premium refund.
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This scenario is not covered by your travel insurance.
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If you are not feeling well during your trip and are diagnosed with COVID-19, please consult a Legally Registered Medical Practitioner for diagnosis and treatment as soon as possible. Please keep all medical receipts and reports. You may submit a claim under the Medical Expenses section of your policy for any medical expenses you incur whilst overseas. Our claims team will assess your claim based on the terms and conditions of your policy.
For policyholders who enrol iTravel Plus (Single Trip) Plan A/ B or iTravel Plus (Annual) Plan A/ B through MSIG’s website or mobile app, if you are diagnosed with COVID-19 by a Legally Registered Medical Practitioner and are admitted to a hospital as an in-patient during your trip, apart from medical expenses incurred whilst overseas, you can make a claim of overseas hospital cash benefit of HK$500 for each full day and up to 10 days; if you are diagnosed with COVID-19 by a Registered Medical Practitioner and are mandated by the local government or respective regulator to be quarantined during your trip, you can make a claim of overseas quarantine allowance of HK$500 for each full day and up to 10 days.
However, you can only claim either hospital cash benefit or overseas quarantine allowance, but not both, in respect of any losses arising from the same cause. The following conditions are excluded:
- if pre-departure COVID-19 polymerase chain reaction (PCR) test is done and you are tested positive within 72 hours prior to your scheduled departure date.
- if any diagnosis of COVID-19 within 14 days from the start of your trip in the absence of pre-departure PCR test.
- if the Quarantine period is not within the Period of Insurance
- if Quarantine or self-isolation orders are mandated by the government for all travellers arriving into the country.
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Your medical expenses incurred in Hong Kong are not covered by your Travel insurance unless they are necessary follow-up consultations resulting from medical treatment originally received overseas.If this is the case, you may submit a claim under the Medical Expenses section of your policy for your follow-up medical expenses and our claims team will assess it based on your policy terms and conditions.
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If it is confirmed by a Legally Registered Medical Practitioner that you need to be hospitalised under this scenario, and you need assistance with the admission deposit, please call our 24-hour Worldwide Travel Assistance hotline (852) 3122 6899. This payment will be subject to the approval of the Medical Practitioner of our Worldwide Travel Assistance Service taking account of the terms and conditions of your policy.
For policyholders who enrol iTravel Plus (Single Trip) Plan A/ B or iTravel Plus (Annual) Plan A/ B through MSIG’s website or mobile app, if you are diagnosed with COVID-19 by a Legally Registered Medical Practitioner and are admitted to a hospital as an in-patient during your trip, apart from medical expenses incurred whilst overseas, you can make a claim of overseas hospital cash benefit of HK$500 for each full day and up to 10 days.
However, the following conditions are excluded:
- if pre-departure COVID-19 polymerase chain reaction (PCR) test is done and you are tested positive within 72 hours prior to your scheduled departure date.
- if any diagnosis of COVID-19 within 14 days from the start of your trip in the absence of pre-departure PCR test.
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If you are diagnosed with COVID-19 and need to be hospitalised for more than 5 consecutive days, we can arrange and pay for round trip flight ticket (economy class only) and hotel accommodation for one of your relatives or other designated person to assist you for a maximum period of 5 consecutive days with maximum rate at HKD1,200 per day. Food and beverage cost and room services fees are excluded. Should you need assistance, please call our 24-hour Worldwide Travel Assistance hotline (852) 3122 6899 for this arrangement.
Remark
*This FAQ information is for reference only and applicable to iTravel Plus (Single Trip), iTravel Plus (Annual), TravelSurance 7.0 and Annual TravelSuranve 4.0. For details of coverage, terms, conditions, and exclusion, please refer to the policy wording.
E. & O.E.
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Get the latest on COVID-19 and other important Government information here.
Click here for the list of countries which waive quarantine requirements for travellers.
Click here to apply for your premium refund.
Remember to wash your hands with soap and water regularly and to stay safe and healthy.