TravelSurance 7.0 (Macau)
The easy way to enjoy travel
Plan Highlights
Plan Highlights
first_row
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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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Travel Delay CoverHK$250 for each 6-hour period of delay, up to HK$2,000 |
second_row
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Amateur Dangerous Sports and Activities CoverageCover at no extra cost |
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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) |
third_row
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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 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
(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 |
|
$500,000 | $250,000 | $125,000 |
|
$500,000 | $250,000 | $125,000 |
Personal Accident
|
$2,000,000 | $1,000,000 | N/A |
Medical Expenses
|
$1,000,000 | $500,000 | $250,000 |
Hospital Cash
|
$2,000 | $1,000 | $500 |
Terrorism Extension^
|
$3,000,000 | $3,000,000 | $3,000,000 |
Amateur Dangerous Sports and Activities Coverage
|
50% of the maximum benefits under the Personal Accident ＆ Medical Expenses Sections | 50% of the maximum benefits under the Personal Accident ＆ Medical Expenses Sections | 50% of the maximum benefits under the Personal Accident ＆ Medical Expenses Sections |
24-hour Worldwide Travel Assistance Services |
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$2,000,000 | $2,000,000 | $2,000,000 |
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$40,000 | $40,000 | $40,000 |
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Covered | Covered | Covered |
Trip Cancellation and Curtailment
For Level 3 Alert/ Level 2 Alert under the Macau Travel Alert System:
|
$50,000 | $25,000 | $15,000 |
Travel DelayPays HK$250 for each 6-hour period of delay if:
|
$2,000 | $1,500 | $1,000 |
Trip Rearrangement
|
$7,500 | $5,000 | $2,500 |
Loss of Passport
|
$2,000 | $2,000 | N/A |
Loss of BaggagePays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
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$20,000 | $15,000 | $10,000 |
Delayed Baggage
|
$1,500 | $1,000 | $500 |
Personal Money and Documents
|
$3,000 | $2,500 | $2,000 |
Personal Liability
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$2,500,000 | $2,500,000 | $2,500,000 |
Rental Vehicle Excess Cover
|
$5,000 | $5,000 | N/A |
Golfers' Hole-in-One
|
$5,000 | $3,000 | N/A |
Automatic Extension of Cover
|
Covered | Covered | Covered |
Important Notes:
- Child Plan only applies to those aged below 18. Child aged below 12 must be accompanied by a parent or guardian.
- The maximum indemnity under Benefits 1 & 3 for the Insured Person aged above 70 will be limited to only 25%.
- The double indemnity for personal accident under Benefit 2 will not be available to those Insured Persons coved under Child Plan or aged over 70 at the time of an accident covered under Plan A / B.
*“Loss of one limb” is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
^Any acts of terrorism involving the use of biological, chemical agents or nuclear devices are excluded.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
| Days | Premium (HK$) | ||
|---|---|---|---|
| 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 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