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| Product Highlights |
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24-hour Worldwide Emergency Assistance Services |
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Up to TWO family members can be arranged to visit the Insured Person hospitalised abroad |
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No excess for all benefits |
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No extra premium for winter sports |
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Comprehensive protection including benefits of "Major Burns" and "Loss of Home Contents" |
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Covers Chinese Bonesetting follow-up expenses upon return from overseas |
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Worldwide coverage without geographical limitation |
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Premium is calculated on daily basis according to the exact length of your trip |
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Free automatic extension up to 10 days in case of unavoidable delay of the stipulated itinerary |
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One Way cover up to a maximum period of 180 days |
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For extra convenience, cover may be arranged on annual basis for frequent travellers at preferential premium |
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| Summary of Product Features |
| Summary of Coverage |
Plan A |
Plan B |
| 1. |
(a) Medical Expenses |
$1,000,000 |
$500,000 |
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(b) Follow-up Expenses (within 90 days) |
$100,000 |
$100,000 |
| 2. |
Worldwide Emergency Assistance Services** |
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(a) Emergency Medical Evacuation and Repatriation |
$2,000,000 |
$2,000,000 |
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(b) Guarantee of Hospital Admission Deposits |
$40,000 |
$40,000 |
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(c) Additional Costs of Accommodation |
$40,000 |
$15,000 |
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(d) Compassionate Visit |
$40,000 |
$15,000 |
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(e) Return of Minor Children |
$40,000 |
$15,000 |
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(f) Repatriation of Mortal Remains |
$40,000 |
$15,000 |
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(g) Unexpected Return in the Event of the Death of a Close Relative |
$40,000 |
$15,000 |
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(h) Other Assistance |
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| 3. |
Hospital Cash Allowance |
$10,000 |
$5,000 |
| 4. |
Personal Accident |
$600,000 |
$300,000 |
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double indemnity for traveling on board a licenced public conveyance |
$1,200,000 |
$600,000 |
| 5. |
Major Burns |
$200,000 |
$100,000 |
| 6. |
Baggage |
$20,000 |
$3,000 |
| 7. |
Baggage Delay |
$1,000 |
$500 |
| 8. |
Cancellation Charge |
$30,000 |
$5,000 |
| 9. |
Travel Delay |
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(a) Additional Travel Cost or |
$10,000 |
$2,500 |
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(b) Cash Allowance |
$1,000 |
$500 |
| 10. |
Curtailment of Trip |
$30,000 |
$5,000 |
| 11. |
Loss of Travel Document |
$20,000 |
$5,000 |
| 12. |
Personal Money |
$3,000 |
$2,000 |
| 13. |
Loss of Home Contents |
$25,000 |
$5,000 |
| 14. |
Personal Liability |
$1,500,000 |
$500,000 |
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| ** Worldwide Emergency Assistance Services is arranged by International SOS (HK) Limited. |
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| Major Exclusions |
Applicable to all benefits
War and any Act of Terrorism
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| For benefits item 1,2,3,4 & 5 |
| a. | Suicide, self-inflicted injury, child birth, pregnancy, miscarriage, dental treatment (except as necessitated by accidental injuries to sound natural teeth), mental and nervous disorders, insanity, alcoholism or drug addiction, self-exposure to needless peril and venereal disease. |
| b. | Any pre-existing conditions or excluded sickness.* |
| c. | Any professional sport, racing and competitions of any kind, skydiving, mountaineering necessitating the use of ropes, pitons or guide, hang gliding, or parachuting. |
| * | Excluded sickness includes: Hemorrhoids, Diseased tonsils requiring surgery, Pathological abnormalities of nasal septum or Turbinate, Cataracts, Sinus conditions requiring surgery, Endometriosis, Tuberculosis, Fistulae, Cholecystitis, Calculi of all kinds, Urethra or bladder abnormalities or disease, Hypertension or cardio vascular diseases, Gastric or duodenal ulcer, all forms of tumors, Malignancies of blood or bone marrow, Diabetes mellitus & HIV &/or HIV related illness incl. AIDS |
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| For benefits item 6,7,8,9,10,11 & 12 |
| a. | Losses not reported within 24 hours to the authorities (such as airlines, travel agent, police etc) and failure to provide the report certified by the relevant authorities |
| b. | No proof is provided for relevant expenses/loss. |
| c. | Normal wear and tear, breakage or damage to fragile article. |
| d. | Pager, portable telecommunication equipment, computer equipment (including software and peripheral) |
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| For benefits item 13 |
| a. | Loss due to use of any key or duplicate or loss caused/facilitated by the reckless/wilful act of the Insured Person of the Insured Person's family members. |
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| For benefits item 14 |
| a. | Liability arising out of the use of vehicles, aircraft, water craft, wilful, malicious or unlawful act, any costs resulting from criminal proceedings. |
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| Age Limit |
| A minimum age of 6 weeks to a maximum of 85 years (70 years for annual cover) and children under 18 years of age must be accompanied by an adult who is also insured under the same policy. |
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| Single Trip Premium Table (HK$) |
| No. of Days |
Individual |
Individual & Children |
Family |
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Plan A |
Plan B |
Plan A |
Plan B |
Plan A |
Plan B |
| 1 |
120 |
95 |
180 |
143 |
300 |
238 |
| 2 |
130 |
102 |
195 |
153 |
325 |
255 |
| 3 |
140 |
110 |
210 |
165 |
350 |
275 |
| 4 |
150 |
118 |
225 |
177 |
375 |
295 |
| 5 |
165 |
128 |
248 |
192 |
413 |
320 |
| 6 |
210 |
145 |
315 |
218 |
525 |
363 |
| 7 |
230 |
160 |
345 |
240 |
575 |
400 |
| 8 |
255 |
168 |
383 |
252 |
638 |
420 |
| 9 |
280 |
176 |
420 |
264 |
700 |
440 |
| 10 |
300 |
182 |
450 |
273 |
750 |
455 |
| 11 |
315 |
188 |
473 |
282 |
788 |
470 |
| 12 |
335 |
193 |
503 |
290 |
838 |
483 |
| 13 |
355 |
198 |
533 |
297 |
888 |
495 |
| 14 |
375 |
205 |
563 |
308 |
938 |
513 |
| 15 |
385 |
210 |
578 |
315 |
963 |
525 |
| 16 |
395 |
216 |
593 |
324 |
988 |
540 |
| 17 |
405 |
222 |
608 |
333 |
1,013 |
555 |
| 18 |
415 |
228 |
623 |
342 |
1,038 |
570 |
| 19 |
425 |
233 |
638 |
350 |
1,063 |
583 |
| 20 |
433 |
239 |
650 |
359 |
1,083 |
598 |
| 21 |
443 |
245 |
665 |
368 |
1,108 |
613 |
| 22 |
450 |
250 |
675 |
375 |
1,125 |
625 |
| 23 |
457 |
256 |
686 |
384 |
1,143 |
640 |
| 24 |
465 |
262 |
698 |
393 |
1,163 |
655 |
| 25 |
475 |
270 |
713 |
405 |
1,188 |
675 |
| 26 |
483 |
277 |
725 |
416 |
1,208 |
693 |
| 27 |
490 |
283 |
735 |
425 |
1,225 |
708 |
| 28 |
500 |
289 |
750 |
433 |
1,250 |
722 |
| 29 |
510 |
295 |
765 |
443 |
1,275 |
738 |
| 30 |
530 |
305 |
795 |
458 |
1,325 |
763 |
| 31 |
550 |
315 |
825 |
473 |
1,375 |
788 |
Each additional day
up to 180 days |
17 |
7 |
25 |
10 |
42 |
18 |
| Annual Cover not exceeding 90 days each trip |
Individual |
Plan A |
1,800 |
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Plan B |
1,300 |
| Individual & Children/Family |
Plan A |
3,600 |
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Plan B |
2,600 |
| Individual - | referring to the insured person aged between 18 to 70 |
| Children - | referring to dependent & unmarried children who is/are 3 months to 17 years of age travelling with the insured person during the entire journey |
| Individual & Children - | referring to the Insured, his/her children as defined above with no limit on number of children |
| Family - | referring to the Insured, his/her spouse and children as defined above with no limit on number of children |
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This summary is only an outline of the insurance cover. Please refer to the Insurance Certificate for the exact terms and conditions. A specimen of which will be furnished to you on request.
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