Travel insurance* coverage in relation to COVID-19

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All-round protection for frequent travelers

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Plan Highlights

first_row

Extra Benefits for Level 3 / Level 2 Alert Under the Macau Travel Alert System

Up to HK$50,000 and HK$25,000 respectively

Loss of or Damage to Mobile Phone

Up to HK$2,000 (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)

second_row

Amateur Dangerous Sports and Activities

Cover at no extra cost

Trip Cancellation and Curtailment

Up to HK$50,000 unused travel and accommodation expenses (including overseas local tour packages or admission tickets to any major sporting event, concert or theme park etc.)

third_row

Trip Rearrangement

Up to HK$7,500 cover for additional transport and accommodation expenses, if your return trip to Macau is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses

Terrorism Extension⁴

Up 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 Per Year (HK$)
Benefits at a Glance		Plan A	Plan B
Personal Accident^1,2,3 Accidental 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
Loss of one limb⁸ or sight in one eye/permanent total loss of speech or hearing	$500,000	$250,000
Covers 3^rd degree burns of the minimum percentage of the surface area of your body as specified in the policy	$1,000,000	$500,000
Medical Expenses^1,3 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 Macau 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 Cash Pays 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
24-hour Worldwide Travel Assistance Services⁶ 24-hour worldwide emergency medical evacuation and repatriation after treatment	$2,000,000	$2,000,000
Deposit guarantee for hospital admission	$40,000	$40,000
Unexpected return to Macau, compassionate visit, children escort arrangements, etc.	Covered	Covered
Terrorism Extension⁴ 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 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 Coverage⁵ Pays you in the event of accidental death or bodily injury while you are taking part in hot air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping and horseriding	Up to $500,000 under the Personal Accident and Medical Expenses Sections	Up to $500,000 under the Personal Accident and Medical Expenses Sections
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, riot or mechanical and/or electrical breakdown of the public transport which results in delay in departure from Macau for not less than 24 hours. For Level 3 Alert under the Macau Travel Alert System: 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 Macau Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Macau	$50,000	$25,000
Replacement Employee⁷ Reimburses transport costs of sending an employee overseas to replace the insured person who needs to be repatriated to Macau due to bodily injury or sickness. The maximum amount payable will not exceed an economy class air ticket	$20,000	$20,000
Travel Delay Pays HK$250 for each 6-hour period 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, mechanical and/or electrical breakdown of the public transport or your trip is delayed due to serious bodily injury, serious sickness or death of you or your immediate family members, fiancé(e) or close business partner travelling with you abroad	$3,500	$3,000
Trip Rearrangement Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, musical, concert, museum or theme park) you have paid for 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 Macau if your trip is unavoidably re-routed due to strike or industrial action, 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
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	$2,500
Loss of Baggage Pays for accidental loss of or damage to personal baggage. (The maximum cover for any single article, pair or set of articles is HK$3,000 and the overall limit for valuables or sports equipment is HK$10,000)	$25,000	$15,000
Delayed Baggage Pays 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 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)	$2,500	$2,500
Personal Money, Documents and Additional Accommodation Expenses Covers the loss of cash or travellers’ cheques directly arising from theft, robbery or burglary during the period of insurance, subject to a maximum amount of HK$3,000 for Plan A and HK$2,000 for Plan B⁹ Reimburses the replacement cost of Macau identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport Covers the loss of travellers’ cheques and foreign currency purchased in respect of the journey for up to 72 hours before the planned departure time in Macau due to theft or burglary 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	$10,000	$5,000
Personal Liability Pays 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 Cover Pays 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 Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under the Trip Delay Section (Travel Delay, Trip Rearrangement, Delay Due to Hijack) Cover is automatically extended free of charge up to 30 days in the event of delays due to bodily injury/sickness covered under the Medical Expenses Section	Covered	Covered

Important Notes:

The maximum indemnity under the Personal Accident and Medical Expenses Sections for an insured person who is over 65 years of age will be limited to only 25% of maximum indemnity.
The maximum indemnity under the Personal Accident Section for an insured person who is under 18 years of age will be limited to $250,000.
For Family Plan, the maximum indemnity under the Personal Accident Section will be limited to $1,500,000 and the maximum indemnity under the Medical Expenses Section will be limited to $3,000,000 for all of the insured persons who are under 18 years of age.
Any acts of terrorism involving the use of biological, chemical agents or nuclear devices are excluded.
The Amateur Dangerous Sports Extension under the Personal Accident Section and Medical Expenses Section will not be available to those insured persons who are over 65 years of age at the time of accident.
24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Macau.
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.
This benefit is not applicable to insured person(s) who is (are) below 18 years of age and insured under a Family Plan.

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$)
Personal Accident Sum Insured		Individual Plan	Family Plan^3,4
A - $1,000,000	$2,173	$5,432
B - $500,000	$1,811	$4,527

Important Notes:

Maximum days per trip is 90 days, each trip should be a round-trip commencing in Macau.
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.

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, 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$)
Excess for each and every claim (HK$)	Loss of Baggage	First $200 of each and every claim
Loss of Business Documents or Samples
Personal Money, Documents and Additional Accommodation Expenses

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Comprehensive cover to suit your trip

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Plan Highlights

first_row

Extra Benefits for Level 3 / Level 2 Alert Under the Macau Travel Alert System

Up to HK$50,000 and HK$25,000 respectively

Loss of or Damage to Mobile Phone

Up to HK$2,000 (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)

second_row

Amateur Dangerous Sports and Activities

Cover at no extra cost

Trip Cancellation and Curtailment

Up to HK$50,000 unused travel and accommodation expenses (including overseas local tour packages or admission tickets to any major sporting event, concert or theme park etc.)

third_row

Trip Rearrangement

Up to HK$7,500 cover for additional transport and accommodation expenses, if your return trip to Macau is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses

Terrorism Extension⁵

Up 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 Per Year (HK$)
Benefits at a Glance		Plan A	Plan B
Personal Accident^1,2,3 Accidental 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 limb⁹ or sight in one eye/permanent total loss of speech or hearing.	$500,000	$250,000
Covers 3^rd degree burns of the minimum percentage of the surface area of your body as specified in the policy	$1,000,000	$500,000
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	$1,000,000
Medical Expenses^1,3 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 Macau up to HK$50,000 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
24-hour Worldwide Travel Assistance Services⁸ 24-hour worldwide emergency medical evacuation and repatriation after treatment	$2,000,000	$2,000,000
Deposit guarantee for hospital admission	$40,000	$40,000
Unexpected return to Macau, compassionate visit, children escort arrangements, etc	Covered	Covered
Terrorism Extension⁵ 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 the Personal Accident & Medical Expenses Sections	$3,000,000	$3,000,000
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, 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 maximum benefits under the Personal Accident and Medical Expenses Sections	Up to 125,000 maximum benefits under the Personal Accident and Medical Expenses Sections
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, riot, mechanical and/or electrical breakdown of the public transport or closure of the airport which results in delay in departure from Macau for not less than 24 hours. For Level 3 / Level 2 Alert under the Macau Travel Alert System: If the Level 3 Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Level 2 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 in which you are staying for another city in order to return to Macau. Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Macau.	$50,000	$25,000
Travel Delay Pays HK$250 for each 6-hour period 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, closure of the airport 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	$2,000	$1,000
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 Macau if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in Suspension of Public Transport or closure of the airport Pays for accommodation expenses up to HK$1,000 per day	$7,500	$5,000
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 of your sports equipment is HK$5,000 in total all of your valuables is HK$5,000 in total all of 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 plan A only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan)	$20,000	$15,000
Delayed Baggage Pays 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
Personal Money, Documents and Additional Accommodation Expenses Covers the loss of cash or travellers’ cheques directly arising from theft, robbery or burglary during the period of insurance, subject to a maximum amount of HK$3,000 for Plan A and HK$2,000 for Plan B¹⁰ Reimburses the replacement cost of Macau identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport 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	$10,000	$5,000
Personal Liability Pays 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 Cover Pays 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
Golfers' Hole-in-One⁷ Pays for the cost of hospitality if you achieve a “Hole-in-One” in any recognised golf-course	$5,000	$3,000
Automatic Extension of Cover Cover is automatically extended free of charge in the event of delays due to unforeseen events covered under the Travel Delay and Trip Rearrangement Sections	Up to 14 days	Up to 14 days
Optional Benefits (for 2-10 days single trip travel plan and only applicable if it is shown as being operative in the schedule)	Maximum Benefits Payable Per Year (HK$)
Extra Sports Equipment Benefits (Applicable to Loss of Baggage and Delayed Baggage) Personal baggage sub-limit for all sports equipment	Extra $5,000
Covers the actual expense for rental of sports equipment due to check-in baggage delayed more than 12 hours	$1,000
Upgraded Rental Vehicle Excess (Applicable to Rental Vehicle Excess Cover) Rental Vehicle Excess	Extra $5,000
Pet Accommodation Protection Covers additional accommodation expenses for one pet charged by a 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: The arrival of your return flight is delayed by at least 6 hours; or You are hospitalised or quarantined outside Macau and as a result you cannot arrive in Macau on the original return date	$1,000

Important notes:

The maximum indemnity under Personal Accident and Medical Expenses Sections for an insured person who is over 70 years of age will be limited to only 25% of the sum insured.
The maximum indemnity under the 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 the Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under the 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 Double Indemnity benefit under the Personal Accident Section will not be available to those insured persons who are under 18 or over 70 years of age at the time of an accident.
Any acts of terrorism involving the use of biological or chemical agents, or nuclear devices are excluded.
The Amateur Dangerous Sports and Activities Extension under the Personal Accident Section and Medical Expenses Section will not be available to those insured persons who are over 70 years of age at the time of an accident.
The Golfers' Hole-in-One benefit will not be available to those insured persons who are under 18 years of age.
24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Macau.
"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 not applicable to insured person(s) is(are) below 18 years of age and insured under a Family Plan.

Premium

Days	Premium (HK$)
	Individual Plan		Family Plan^3,4
	Plan A	Plan B	Plan A	Plan B
2	244	186	610	464
3	311	229	778	572
4	363	259	907	648
5	393	289	983	724
6	426	322	1,064	805
7	456	342	1,139	856
8	486	363	1,215	907
9	518	382	1,296	956
10	549	393	1,372	983
11	579	404	1,447	1,010
12	600	415	1,501	1,037
13	622	426	1,555	1,064
14	643	435	1,607	1,088
15	662	441	1,655	1,102
16	683	456	1,706	1,139
17	704	467	1,760	1,166
18	726	475	1,814	1,188
19	746	486	1,866	1,215
20	767	497	1,917	1,242
21	786	508	1,966	1,269
22	808	518	2,020	1,296
23	829	529	2,074	1,323
24	850	539	2,125	1,347
25	870	550	2,176	1,374
26	897	559	2,244	1,399
27	923	570	2,309	1,426
28	951	579	2,379	1,447
29	977	590	2,444	1,474
30	1,004	600	2,511	1,501
31 up to 182	HK$24 for each additional day	HK$19 for each additional day	HK$59 for each additional day	HK$49 for each additional day
Optional Benefits⁵ (Applicable to single trip 2 - 10 days and only applicable if it is shown as being operative in the schedule)	Premium (HK$)
	Individual Plan		Family Plan³
Extra Sports Equipment Benefits (Applicable to Loss of Baggage and Delayed Baggage)	30		75
Upgraded Rental Vehicle Excess (Applicable to Rental Vehicle Excess Cover)	60 (120 for 2 or more insured persons)		120
Pet Accommodation Protection	30 (for one pet per insured person)		30 (for one pet per family)

Important notes:

Maximum days per trip is 182 days, each trip should be commenced in Macau.
There is no minimum age limit for this plan. Maximum age limit is 85.
Family Plan cover 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.
Optional Benefit is applicable to single trip 2 - 10 days.
No refund of the premium will be allowed once the policy document has been issued.
iTravel Plus (Single Trip) is only available for online purchase.

This product leaflet is for reference only. Please refer to the policy wording for details of 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 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

Excess

Excess for each and every claim (HK$)
Loss of Baggage	First $200 of each and every claim
Personal Money, Documents and Additional Accommodation Expenses	First $200 of each and every claim

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Perfect for frequent travellers

Plan Highlights

first_row

Extra Benefits for Level 3 / Level 2 Alert Under the Macau Travel Alert System

Up to HK$50,000 and HK$25,000 respectively

Travel Delay Cover

HK$250 for each 6-hour period of delay, up to HK$2,000

second_row

Amateur Dangerous Sports and Activities Coverage

Cover at no extra cost

Loss of or Damage to Mobile Phone

Up to HK$2,000 (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)

third_row

Trip Cancellation and Curtailment Cover

Up 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

Trip Rearrangement

Up to HK$7,500 cover for additional transport and accommodation expenses, if your return trip to Macau 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$)
Benefits at a Glance	Class	Gold Plan	Silver Plan
Personal Accident Accidental 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.)	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
Loss of one limb² or sight in 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 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 Macau up to HK$100,000 including Chinese medical practitioners' fees up to HK$150 per visit per day and up to HK$1,500 in total.	A-F	$1,000,000	$1,000,000
Hospital Cash Pays 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 Extension 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 the Personal Accident & Medical Expenses Sections. (Any acts of terrorism involving the use of biological or chemical agents, or nuclear devices are excluded.)	A-F	$3,000,000	$3,000,000
Dangerous Sports and Activities Coverage Pays 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 (This beneﬁt is not applicable to those aged over 65).	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
24-hour worldwide emergency medical evacuation and repatriation after treatment.	A-F	$2,000,000	$2,000,000
Deposit guarantee for hospital admission.	A-F	$40,000	$40,000
Unexpected return to Macau, compassionate visit, children escort arrangements, etc.	A-F	Covered	Covered
Trip Cancellation and Curtailment Reimburses 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 Macau for not less than 24 hours. For Level 3 / Level 2 Alert under the Macau Travel Alert System: If the Level 3 Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Level 2 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 Macau. Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Macau.	A-F	$50,000	N/A
Replacement Employee Reimburses transport costs of sending an employee overseas to replace the insured person who needs to be repatriated to Macau 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 Delay Pays HK$250 for each 6-hour period of delay 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, mechanical and/or electrical breakdown of the public transport, closure of the airport or your trip is delayed due to serious bodily injury, serious sickness or death of you or your travel companion 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	A-F	$3,500	N/A
Trip Rearrangement Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, musical, concert, museum or theme park) 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 Macau if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in Suspension of Public Transport or closure of the airport. Pays for accommodation expenses up to HK$1,000 per day.	A-F	$7,500	N/A
Delay Due to Loss of Passport 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.	A-F	$2,000	N/A
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.	A-F	$2,500	N/A
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 are HK$3,000. all of your sports equipment is HK$5,000 in total. all of your valuables is HK$5,000 in total. all of your cameras, camcorders and audio / video equipment is HK$5,000 in total. any mobile phone is HK$2,000 (mobile phone cover is not applicable to Sliver Plan and the Insured Person(s) is(are) below 18 years of age). If the articles are not more than 1 year old at the time of an accident, you will be compensated for the new purchase value.	A-F	$25,000	N/A
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.	A-F	$1,500	N/A
Loss of 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).	A-F	$2,500	N/A
Loss of Personal Money Covers the loss of cash or travellers’ cheques directly arising from theft, robbery or burglary during the journey. Reimburses the replacement cost of Macau identity card, credit card, driving licence, travel tickets, hotel vouchers or passport. Covers the loss of travellers’ cheques and foreign currency purchased in respect of the journey for up to 72 hours before the planned departure time in Macau due to theft or burglary.	A-F	$3,000	N/A
Personal Liability Pays 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.	A-F	$2,500,000	N/A
Rental Vehicle Excess Cover Pays 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.	A-F	$5,000	N/A
Automatic Extension of Cover Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under the Trip Delay Section (Travel Delay, Trip Rearrangement, Delay Due to Loss of Passport, Delay Due to Hijack). Cover is automatically extended free of charge up to 30 days in the event of delays due to bodily injury/sickness covered under the Medical Expenses Section.	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.
“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.

Premiums

Individual Plan	Annual Premium (HK$)
Class (Personal Accident Sum Insured)	Gold Plan Full Cover	Silver Plan Basic Cover - Personal Accident and Medical Expenses Sections only
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
Additional premium for each additional section		$170

*Class C, D, E & F are not applicable to those insured persons above 65 years of age

Family Plan**	Annual Premium (HK$)
Family groupings / Class (Personal Accident Sum Insured)	Gold Plan Full Cover	Silver Plan Basic Cover - Personal Accident and Medical Expenses Sections only
2 Adults (Parents) & Children Class A - 500,000 Class B - 1,000,000	$4,040 $4,755	N/A N/A
1 Adult (Father/Mother) & Children Class A - 500,000 Class B - 1,000,000	$2,420 $2,850	N/A N/A

Family Plan**

Annual Premium (HK$)

Family groupings /
Class (Personal Accident Sum Insured)

Gold Plan Full Cover

Silver Plan Basic Cover -
Personal Accident and Medical Expenses Sections only

2 Adults (Parents) & Children

Class A - 500,000

Class B - 1,000,000

$4,040

$4,755

N/A

1 Adult (Father/Mother) & Children

Class A - 500,000

Class B - 1,000,000

$2,420

$2,850

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 Macau.
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.
If there is any conflict between the English version and the Chinese version of this brochure, the English version shall prevail.

N.B.: This brochure 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.

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 or portable telecommunication 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 radiations

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Plan Highlights

first_row

Extra Benefits for Level 3 / Level 2 Alert Under the Macau Travel Alert System

Up to HK$50,000 and HK$25,000 respectively

Travel Delay Cover

HK$250 for each 6-hour period of delay, up to HK$2,000

second_row

Amateur Dangerous Sports and Activities Coverage

Cover at no extra cost

Loss of or Damage to Mobile Phone

Up to HK$2,000 (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)

third_row

Trip Cancellation and Curtailment Cover

Up 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

Trip Rearrangement

Up to HK$7,500 cover for additional transport and accommodation expenses, if your return trip to Macau 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 Accident Accidental 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	$250,000
Loss of one limb* or sight of 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
Personal Accident 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 Expenses 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 Macau up to HK$50,000 including Chinese medical 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 Cash Pays HK$500 per day up to HK5,000 in total when you are hospitalised as an inpatient due to bodily injury or sickness when abroad	$2,000	$1,000	$500
Terrorism Extension^ 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 & Medical Expenses Sections	$3,000,000	$3,000,000	$3,000,000
Amateur Dangerous Sports and Activities Coverage Pays 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. (This beneﬁt is not applicable to those aged over 70)	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
24-hour worldwide emergency medical evacuation and repatriation after treatment	$2,000,000	$2,000,000	$2,000,000
Deposit guarantee for hospital admission	$40,000	$40,000	$40,000
Unexpected return to Macau, compassionate visit, children escort arrangements, etc.	Covered	Covered	Covered
Trip Cancellation and Curtailment Reimburses 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) or 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 or mechanical and/or electrical breakdown of the public transport or closure of airport which results in delay in departure from Macau for not less than 24 hours For Level 3 Alert/ Level 2 Alert under the Macau Travel Alert System: If the Level 3 Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Level 2 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 Macau Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Macau	$50,000	$25,000	$15,000
Travel Delay Pays HK$250 for each 6-hour period of delay 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, mechanical and/or electrical breakdown of the public transport, closure of the airport or your trip is delayed due to serious bodily injury, serious sickness or death of you or your travel companion 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.	$2,000	$1,500	$1,000
Trip Rearrangement Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, musical, concert, museum or theme park) you have paid for 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 Macau if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in suspension of public transport, or closure of the airport Pays for accommodation expenses up to HK$1,000 per day	$7,500	$5,000	$2,500
Loss of Passport 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	$2,000	$2,000	N/A
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 of your sports equipment is HK$5,000 in total. all of your valuables is HK$5,000 in total. all of your cameras, camcorders and audio/video equipment is HK$5,000 in total. any mobile phone is HK$2,000 (mobile phone cover is not applicable to Plan B and Child Plan). If the articles are not more than 1 year old at the time of an accident, you will be compensated for the new purchase value.	$20,000	$15,000	$10,000
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	$1,500	$1,000	$500
Personal Money and Documents Covers the loss of cash or travelers’ cheques directly arising from theft, robbery or burglary during the Period of Insurance Reimburses the replacement cost of Macau identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport	$3,000	$2,500	$2,000
Personal Liability Pays 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	$2,500,000
Rental Vehicle Excess Cover Pays 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	N/A
Golfers' Hole-in-One Pays for the cost of hospitality if you achieve a “Hole-in-One” in any recognised golf-course	$5,000	$3,000	N/A
Automatic Extension of Cover Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under the Travel Delay and Trip Rearrangement Sections	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.
The maximum indemnity under Beneﬁts 1 & 3 for the Insured Person aged above 70 will be limited to only 25%.
The double indemnity for personal accident under Beneﬁt 2 will not be available to those Insured Persons coved under Child Plan or aged over 70 at the time of an accident covered under Plan A / B.

*“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, chemical agents or nuclear devices are excluded.

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 Certificate of Insurance has been issued.

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 or portable telecommunication 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 radiations

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Macau

Faq Section

Travel insurance* coverage in relation to COVID-19

Question Set

Faq Question

If I decide to cancel my overseas trip due to COVID-19, am I covered by my travel insurance?

Faq Answer

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 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.

Faq Question

If Macauers are refused entry into a foreign country due to concerns over the spread of COVID-19, am I covered by my travel insurance?

Faq Answer

This scenario is not normally covered by your travel insurance, however we have made special arrangements for this due to the exceptional COVID-19 situation. If your trip is cancelled because you are unable to travel or because your destination country has banned flights or immigration from Macau 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.

Faq Question

If I rearrange my trip due to COVID-19, without being infected, am I covered by my Travel insurance?

Faq Answer

This scenario is not covered by your travel insurance.

Faq Question

If I’m not feeling well during my trip and am diagnosed with COVID-19, am I covered by my travel insurance?

Faq Answer

If you are not feeling well during your trip and are diagnosed with COVID-19, please consult a local Registered 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.

Faq Question

If I’m not feeling well after returning to Macau and I have been diagnosed with COVID-19, am I covered by Travel insurance?

Faq Answer

Your medical expenses incurred in Macau 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.

Faq Question

What can I do if I have been diagnosed with COVID-19 and need to be hospitalised overseas, but do not have enough cash for the admission deposit?

Faq Answer

If it is confirmed by a 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.

Faq Question

If I am hospitalised with COVID-19 overseas and need the assistance of my relatives, will my insurance pay for the travel of my relatives to assist me?

Faq Answer

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.

Faq Question

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Faq Answer

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Remark

*This FAQ information is for reference only and applicable to iTravel Plus (Single Trip), iTravel Plus (Annual), TravelSurance 6.0 and Annual TravelSuranve 3.0. 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. test

Click here to apply for your premium refund.

Remember to wash your hands with soap and water regularly and to stay safe and healthy.

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Travel insurance* coverage in relation to COVID-19

Product

All-round protection for frequent travelers

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Plan Highlights

Image

Extra Benefits for Level 3 / Level 2 Alert Under the Macau Travel Alert System

Image

Loss of or Damage to Mobile Phone

Image

Amateur Dangerous Sports and Activities

Image

Trip Cancellation and Curtailment

Image

Trip Rearrangement

Image

Terrorism Extension4

Plan details

Personal Accident1,2,3

Medical Expenses1,3

Hospital Cash

24-hour Worldwide Travel Assistance Services6

Terrorism Extension4

Amateur Dangerous Sports Coverage5

Trip Cancellation and Curtailment

Replacement Employee7

Travel Delay

Trip Rearrangement

Delay Due to Hijack

Loss of Baggage

Delayed Baggage

Loss of Business Documents or Samples

Personal Money, Documents and Additional Accommodation Expenses

Personal Liability

Rental Vehicle Excess Cover

Automatic Extension of Cover

Important Notes:

Important Notes:

Comprehensive cover to suit your trip

Apply_now_title

Plan Highlights

Image

Extra Benefits for Level 3 / Level 2 Alert Under the Macau Travel Alert System

Image

Loss of or Damage to Mobile Phone

Image

Amateur Dangerous Sports and Activities

Image

Trip Cancellation and Curtailment

Image

Trip Rearrangement

Image

Terrorism Extension5

Plan details

Personal Accident1,2,3

Terrorism Extension⁴

Personal Accident^1,2,3

Medical Expenses^1,3

24-hour Worldwide Travel Assistance Services⁶

Terrorism Extension⁴

Amateur Dangerous Sports Coverage⁵

Replacement Employee⁷

Terrorism Extension⁵

Personal Accident^1,2,3

Double Indemnity for Personal Accident⁴

Medical Expenses^1,3

24-hour Worldwide Travel Assistance Services⁸

Terrorism Extension⁵

Amateur Dangerous Sports and Activities Coverage⁶

Golfers' Hole-in-One⁷

Optional Benefits
(for 2-10 days single trip travel plan and only applicable if it is shown as being operative in the schedule)

Silver Plan Basic Cover -
Personal Accident and Medical Expenses Sections only

Family groupings /
Class (Personal Accident Sum Insured)

Silver Plan Basic Cover -
Personal Accident and Medical Expenses Sections only