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
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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 |
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$40,000 | $40,000 | $40,000 |
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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:
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$50,000 | $25,000 | $15,000 |
Travel DelayPays HK$250 for each 6-hour period of delay if:
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$2,000 | $1,500 | $1,000 |
Trip Rearrangement
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$7,500 | $5,000 | $2,500 |
Loss of Passport
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$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:
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$20,000 | $15,000 | $10,000 |
Delayed Baggage
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$1,500 | $1,000 | $500 |
Personal Money and Documents
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$3,000 | $2,500 | $2,000 |
Personal Liability
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$2,500,000 | $2,500,000 | $2,500,000 |
Rental Vehicle Excess Cover
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$5,000 | $5,000 | N/A |
Golfers' Hole-in-One
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$5,000 | $3,000 | N/A |
Automatic Extension of Cover
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Covered | Covered | Covered |
Important Notes:
- Child Plan only applies to those aged below 18. Child aged below 12 must be accompanied by a parent or guardian.
- Plan A and Plan B only apply to those aged between 18 to 85.
- The maximum indemnity under Personal Accident and Medical Expenses Sections for an insured person aged above 70 will be limited to only 25%.
- The double indemnity for personal accident will not be available to those insured persons covered under Child Plan or aged over 70 at the time of an accident covered under Plan A /B.
- Automatically extended for a maximum of 14 days if the trip of the insured person is delayed due to unforeseen events covered under the Travel Delay, Trip Rearrangement and Loss of Passport Sections.
- “Loss of one limb” is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
- Any acts of terrorism involving the use of biological or chemical agents, or nuclear devices are excluded.
- Mobile phone benefit is payable for Plan A only.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
| Days | Premium (HK$) | ||
|---|---|---|---|
| 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