iTravel Plus (Annual) (Macau)
All-round protection for frequent travelers
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Plan Highlights
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Extra Benefits for Level 3 / Level 2 Alert Under the Macau Travel Alert SystemUp to HK$50,000 and HK$25,000 respectively |
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Loss of or Damage to Mobile PhoneUp 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) |
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Amateur Dangerous Sports and ActivitiesCover at no extra cost |
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Trip Cancellation and CurtailmentUp 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.) |
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Trip RearrangementUp 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 |
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Terrorism Extension4Up to HK$3,000,000 per person for accidental death/permanent total disablement, bodily injury, medical expenses and worldwide travel assistance services |
Plan details
Benefits
| Benefits at a Glance | Maximum Benefits Payable Per Year (HK$) | |
|---|---|---|
|
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 |
$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 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 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 |
24-hour Worldwide Travel Assistance Services6
|
$2,000,000 |
$2,000,000 |
|
$40,000 |
$40,000 |
|
Covered |
Covered |
Terrorism Extension4Extends 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 Coverage5Pays 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 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, 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:
|
$50,000 |
$25,000 |
Replacement Employee7Reimburses 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 DelayPays HK$250 for each 6-hour period of delay and each subsequent period of 12 hours if:
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$3,500 | $3,000 |
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 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 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 SamplesReimburses 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
|
$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 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 $3,000,000 for all of the insured persons who are under 18 years of age.
- Any acts of terrorism involving the use of biological, chemical agents or nuclear devices are excluded.
- The Amateur Dangerous Sports Extension under the Personal Accident Section and Medical Expenses Section will not be available to those insured persons who are over 65 years of age at the time of accident.
- 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Macau.
- The Replacement Employee Benefit is only applicable if the insured is either an incorporated or unincorporated company.
- "Loss of one limb" is defined in the policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
- This benefit is not applicable to insured person(s) who is (are) below 18 years of age and insured under a Family Plan.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
| Personal Accident Sum Insured | Annual Premium (HK$) | |
|---|---|---|
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Individual Plan |
Family Plan3,4 |
|
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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$3,000,000 for all of the insured persons who are under 18 years of age.
- iTravel Plus (Annual) is only available for online purchase.
This product leaflet is for reference only. Please refer to the policy wording for details for the coverage, terms, conditions and exclusions.
Exclusions
- Any liability arising from a contractual agreement without the prior consent of Us is not covered
- Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
- Professional or organised dangerous sports or activities
- Trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level
- Manual work undertaken during business trips
- Suicide, intentional self-inflicted injury, insanity
- Mental or nervous disorders, sleep disorder, psychiatric disorder
- Alcoholic and drug addiction or solvent abuse
- HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
- Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
- Air flight crew
- Unlawful acts
- War and terrorism (Except for Terrorism Extended Cover)
- Nuclear weapons and radiations
- Loss of or damage to any pager, mobile phone, tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like
Excess
| Excess for each and every claim (HK$) | |
|---|---|
| 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 |
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