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 |
Travel Insurance coverage in relation to COVID-19#
Customers can enrol iTravel Plus (Annual) travel insurance between 1 Jan 2023 and 31 Mar 2023 for complimentary COVID-19 daily cash benefit. As a token of appreciation to the continued support of our customers, the insured person(s) of all existing iTravel Plus (Annual) policies will also receive this free benefit until the end of policy period so you can travel worry-free. Our COVID-19 benefits include:
- NEW $500 daily cash benefit (up to 10 days) if the insured person is compulsory quarantined or hospitalised overseas as a result of being diagnosed with COVID-19
- Trip cancellation or delay due to COVID-19 diagnosis prior to trip commencement
- Trip curtailment due to COVID-19 diagnosis during the trip
- Medical expenses for overseas hospitalisation incurred by COVID-19 treatment
#The Insured Person(s) must fulfil the entry rules and conditions requirement both in Hong Kong and your planned travel destination(s). For any COVID-19 related claims, the claimant must provide PCR-based nucleic acid test record or rapid antigen test results and proofs indicating the confirmed COVID-19 infection (e.g. medical notes, report, government declaration record).
Plan details
Benefits
| Benefits at a Glance | Maximum Benefits Payable (HK$) | |
|---|---|---|
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Plan A |
Plan B |
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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 |
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Loss of one limb8 or sight in one eye/permanent total loss of speech or hearing |
$500,000 |
$250,000 |
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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
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$2,000,000 |
$2,000,000 |
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$40,000 |
$40,000 |
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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:
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$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:
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$2,000 | $1,000 |
Trip Rearrangement
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$7,500 |
$5,000 |
Delay Due to Hijack
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$2,500 |
$2,500 |
Loss of BaggagePays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
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$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
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$2,500 |
$2,500 |
Personal Money, Documents and Additional Accommodation Expenses
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$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
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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$3,000,000 for all of the insured persons who are under 18 years of age.
- The Amateur Dangerous Sports and Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those insured persons who are over 65 years of age.
- Mobile phone cover is for Plan A only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan
- 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
- The Replacement Employee Benefit is only applicable if the Insured is either an incorporated or unincorporated company.
- "Loss of one limb" is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
- Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
*Collection of Levy on Insurance Premium: Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
| Personal Accident Sum Insured | Annual Premium (HK$) | |
|---|---|---|
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Individual Plan |
Family Plan3,4 |
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A - $1,000,000 |
$2,206 |
$5,514 |
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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 |
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Loss of Business Documents or Samples |
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Personal Money, Documents and Additional Accommodation Expenses |