Travel Insurance
 
Benefits
1.
 Medical Expenses
 
The cost of qualified medical treatment, surgery and hospitalization arising from sickness or accidental injury. Follow-up expenses incurred within 90 days after the return to Hong Kong
 
2.
 24-Hour Worldwide Emergency Medical
 
  • 24-hour worldwide emergency medical evacuation by using helicopter and repatriation after treatment
  • 24-Hour medical referral services
 
3.
 Personal Accident
 
Accidental Death/Permanent Total Disablement within 365 days of the accident
For third degree burns with burnt areas to or greater than 5% of total surface area
 
4.
 Personal Baggage
 
Loss, physical breakage or damage directly resulting from theft, robbery, burglary or accident of the Insured's property
 
5.
 Hospital Income Plus
 
The cost of the medical treatment, surgery and hospitalization arising from sickness or accidental injury with the hospital income allowance of HK$300 per calendar day within 90 days after the return to Hong Kong
 
6.
 Trip Cancellation
 
Reimburse expenses of irrecoverable prepaid airfares, tour cost and accommodation if the Insured's trip is cancelled due to strike or riot; bodily injury, sickness or death of the Insured, immediate family members or close business partner; jury services or the Insured's residence destroyed by adverse weather
 
7.
 Personal Liability
 
Reimburse expenses of irrecoverable prepaid airfares, tour cost and accommodation if the Insured's trip is cancelled due to strike or riot; bodily injury, sickness or death of the Insured, immediate family members or close business partner; jury services or the Insured's residence destroyed by adverse weather
 
8.
 Home Protection
 
Loss of the household contents of the Insured's unoccupied home in Hong Kong arising from burglary during the journey
 
 
 Note: Must depart from Hong Kong
 
 
 
Major Exclusions
This policy does not cover loss arising out of:
   
1.
Pre-existing, congenital or heredity condition.
   
2.
Contrary to doctor's advice, or obtaining medical treatment is a purpose of trip.
   
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.
Professional sports, racing except on foot, mountaineering.
   
9.
 Unlawful, willful, malicious acts of the Insured.
   
10.
 Under the influence of alcohol or drugs.
   
11.
Riding in any aircraft except as a fare-paying passenger in a fully licensed aircraft flown by a qualified pilot.
   
12.
Committing a felony or while under arrest because of commission of a felony.
   
13.
Nuclear weapons, radiation, radioactivity.
   
14.
AIDS, HIV sero-positive or relevant disease, sexually transmitted diseases.
   
15.
Manual labor or hazardous work, offshore drilling, mineral extraction, handling of explosives, site working, stunt work and aerial photography.
   
16.
SARS exclusion will be limited to countries or cities that the World Health Organization(WHO) has imposed with travel warning.
   
 
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.