Travel Insurance
 
Benefits
1.
a.) Personal Expenses b.) Medical Evacuation
 
c.) Return of Mortal Remains d.) Personal Acident
 
e.) Transport Hazards f.) Consolation Benefits
 
g.) Hospital Income  
   
2.
a.) Personal Baggage b.) Personal Money
 
c.) Emergency Cash  
   
3.
a.) Trip Cancellation b.) Trip Curtailment
 
c.) Trip Re-route d.) Travel Delay
 
e.) Baggage Delayed f.) Document Loss
   
4.
a. Care Visit b. Child Escort
 
c. Hospital Income Plus  
   
5.
Personal Liability
   
6.
Home Contents Insurance
 
 Note: Must depart from Hong Kong
 
 
 
Exclusions
This policy does not cover loss arising out of:
   
1.
pre-existing, congenital or heredity conditions. A pre-existing condition means prior Sickness or Accidental Bodily injury of an Insured, or Immediate Family Member of the Insured, for which medical treatment or advice has been given or the symptoms of which would cause a reasonably prudent person to seek diagnosis, care or treatment within six (6) months prior to the commencement of a Covered Trip. For the purpose of insuring Clauses 3A and 3B, Sickness or Accidental Bodily Injury should occur after the coverage is purchased but not earlier than 30 days before the commencement of the Covered Trip.
   
2.
travelling abroad contrary to the advice of a Physician, or for the purpose of obtaining medical treatment or services.
   
3.
 suicide, attempted suicide or intentional self-infliction of bodily injury.
   
4.
 abortion, miscarriage, normal pregnancy or resulting childbirth.
   
5.
 dental care (unless resulting from Accidental Bodily Injury to sound and natural teeth).
   
6.
 mental or nervous disorders, insanity.
   
7.
war (whether declared or not), invasion, act of foreign enemies, civil war, revolution, civil unrest amounting to a popular uprising against government, riot and strike, or from the Insured performing duties as a member of armed forces, or police, or as a volunteer and engaged in war or crime suppression.
   
8.
participation in professional sports events, racing except on foot, mountaineering (unless approved by the Company).
   
9.
 prohibition or regulation by any government, or customs detention.
   
10.
 damages relating to the unlawful, wilful, malicious acts of the Insured.
   
11.
actions of the Insured while under the influence of alcohol or drugs to the extent of legal impairment.
   
12.
riding in any aircraft except as a fare-paying passenger in a properly licensed aircraft flown by a qualified pilot.
   
13.
the Insured's actions in the course of committing a felony or while under arrest by authorities because of commission of a felony.
   
14.
nuclear weapons, radiation, or radioactivity from any nuclear fuel or nuclear waste arising from the combustion of nuclear fuel and/or any self sustaining process of nuclear fission.
   
15.
AIDS or AIDS Related Complex, any Accidental Bodily Injury or Sickness commencing at the time of or subsequent to a sero- positive test for HIV or related disease, or any other sexually transmitted diseases.
   
16.
the Insured engaging in manual labour or hazardous work including but not limited to offshore drilling, mineral extraction, handling of explosives and aerial photography.
   
 
This summary gives only an outline of the insurance cover and any information given herein is subject to the terms and conditions in the actual Policy.