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Travel Insurance Coverage

Premiums

Major Exclusions

China Medical Card

Travel Insurance Coverage

Insurance coverage Area 1 Area 2
Insured limits per insured person (HK$) 17 to 85 years old inclusive7 Six months to 16 years old inclusive 17 to 85 years old inclusive7 Six months to 16 years old inclusive
a Personal accident6
Accidental death 600,000 120,000 1,000,000 200,000
Loss of two eyes, two limbs or one eye and one limb 600,000 120,000 1,000,000 200,000
Loss of one eye or one limb 300,000 60,000 500,000 100,000
Death or permanent total disablement caused by accident in a common carrier or private car 1,200,000 240,000 2,000,000 400,000
Permanent total disablement caused by other accidents 600,000 120,000 1,000,000 200,000
b Credit card protection 5,000 - 5,000 -
c Medical and other expenses
(i) Medical expenses6
  • Follow up medical expenses incurred within 3 months after return to HKSAR
  • Compassionate visit up to HK$60,000
 600,000 600,0005 1,000,000 1,000,0005
(ii) Repatriation of remains 100,000 100,000
(iii) Return of children 60,000 - 60,000 -
(iv) Funeral expenses 100,000 100,000
d Emergency medical evacuation 2,000,000 2,000,0005 2,000,000 2,000,0005
e Hospital cash benefit 6,000 (500/day, max. 12 days) 6,000 (500/day, max. 12 days)
f Baggage and personal effects3
(Including golf equipment, cameras and video recorders)		 20,000 (max. 3,000/item) 5,000 (max. 1,500/item) 20,000 (max. 3,000/item) 5,000 (max. 1,500/item)
g Delayed baggage (at least 12 hours) 2,000 2,000
h Personal money1 3,000 1,5004 3,000 1,5004
i Loss of travel documents1 5,000 5,000
j Personal liability2 2,000,000 2,000,000
k Travel delay (at least 12 hours) 2,500(250/12 hours) 2,500(250/12 hours)
l Loss of deposit or cancellation1 50,000 50,000
m Curtailment of trip1 50,000 50,000
n Golfing 'Hole in one' 3,000 (2,000/occurrence) - 3,000 (2,000/occurrence) -
o China Medical Card (Optional for MultiTrip TravelSurance only) Hospital admission deposit guarantee

1 These items are subject to a HK$200 excess per claim.
2 This item is subject to a HK$200 excess per third party property claim.
3 This item is subject to a HK$300 excess per claim.
4 For children aged 12-16 who are not travelling with their parents and have paid an adult premium.
5 Total amount for all insured children.
6 The coverage of 'Personal accident' and 'Medical expenses' for an insured person between the age of 76 to 85 is limited to 30% of the sum insured. The follow up medical expenses include Chinese medicine, bonesetting & acupuncture fees (HK$100 per visit per day up to HK$1,000).
7 Insured person must be aged between 6 months and 85 years old for Single Trip TravelSurance application. Insured person must be aged between 6 months and 75 years old for MultiTrip TravelSurance application. MultiTrip TravelSurance is renewable to the age of 85.

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Premiums

Insurance Period (days) Insured Person
(HK$) 		Insured & Spouse
(HK$) 		Insured & Children
(HK$) 		Family
(HK$)
Area 1 Area 2 Area 1 Area 2 Area 1 Area 2 Area 1 Area 2
1 84 176 158 334 135 284 202 422
2 84 176 158 334 135 284 202 422
3 84 176 158 334 135 284 202 422
4 105 210 197 397 169 337 252 501
5 122 234 232 445 197 377 293 562
6 141 247 266 469 227 398 338 593
7 160 252 302 477 258 405 384 602
8 175 263 333 500 282 424 420 631
9 193 283 367 538 311 456 463 679
10 223 302 422 572 360 485 535 722
11 234 315 443 597 378 506 561 753
12 245 328 464 622 396 527 587 784
13 256 341 485 647 414 548 613 815
14 267 354 506 672 432 569 639 846
15 278 367 527 697 450 590 665 877
16 289 380 548 722 468 611 691 908
17 300 393 569 747 486 632 717 939
18 311 406 590 772 504 653 743 970
19 322 419 611 797 522 674 769 1,001
20 333 432 632 822 540 695 795 1,032
21 344 445 653 847 558 716 821 1,063
22 355 458 674 872 576 737 847 1,094
23 366 471 695 897 594 758 873 1,125
24 377 484 716 922 612 779 899 1,156
25 388 497 737 947 630 800 925 1,187
26 399 510 758 972 648 821 951 1,218
27 410 523 779 997 666 842 977 1,249
28 421 536 800 1,022 684 863 1,003 1,280
29 432 549 821 1,047 702 884 1,029 1,311
30 443 562 842 1,072 720 905 1,055 1,342
From the 31st day
(per day) 		14/day 19/day 27/day 36/day 23/day 31/day 34/day 46/day
MultiTrip
(per annum)** 		1,088 1,720 1,828 2,862 1,652 2,568 2,338 3,710

** Annual premium of the China Medical Card is not included.

Note (Only applicable to TravelSurance (Single Trip)):

  1. For extension period of insurance after the policy is issued, please call 24-hour Helpline 2583 8000 or visit our branches for arrangement before the expiry of policy. The extension will be applicable to all the insured persons under the policy. The minimum additional premium is HK$30.
  2. Once the application is approved, the policy cannot be cancelled and no amendment on the number of insured persons is allowed. Should an Applicant choose to cancel his/her application, no premium will be refunded.


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Major Exclusions

  • War and related perils
  • Suicide, self-inflicted injury, pregnancy, childbirth, insanity, alcoholism, venereal disease, AIDS, drug-taking
  • Engaging in:

    • - professional sports or racing other than on foot
    - deep-water diving (40 metres or deeper)
    - motor rallies
    - sports or activities in return for remuneration
    - aviation other than as a fare-paying passenger
  • Illegal acts
  • Property more specifically insured
  • Act of nuclear, chemical, biological terrorism

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China Medical Card*

If you travel to mainland China frequently, you can enjoy even more protection with the China Medical Card option under your annual MultiTrip policy. Simply present your China Medical Card with your ID document at hospital admission reception and you can receive in-patient medical treatment at over 200 designated hospitals in mainland China without the need to pay any deposit in advance! And the annual premium is only HK$300 per card. Travellers who hold China Entry Visas, which may not contain the holders' English names, should provide their Chinese names to be printed on the China Medical Cards. Please click here to obtain the Chinese Name Notification Form.

* The hospital list is applicable for China Medical Card being enrolled on or after 1 Dec 2007 only. If you already enrolled the China Medical Card before the above-mentioned date, please call our 24-hour helpline on 2583 8000 for checking the related hospital list.

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NB: The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.

TravelSurance is underwritten by HSBC Insurance (Asia) Limited which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hong Kong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Insurance (Asia) Limited.

TravelSurance, offered by HSBC Insurance (Asia) Limited, is only available for subscription by residents of the Hong Kong SAR.

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