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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 6 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 6 hours) 2,500(250 per first 6 hours & each subsequent 12 hours) 2,500(250 per first 6 hours & each subsequent 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 92 194 174 367 149 312 222 464
2 92 194 174 367 149 312 222 464
3 92 194 174 367 149 312 222 464
4 116 231 217 437 186 371 277 551
5 134 257 255 490 217 415 322 618
6 155 272 293 516 250 438 372 652
7 176 277 332 525 284 446 422 662
8 193 289 366 550 310 466 462 694
9 212 311 404 592 342 502 509 747
10 245 332 464 629 396 534 589 794
11 257 346 487 657 416 557 618 828
12 269 360 510 685 436 580 647 862
13 281 374 533 713 456 603 676 896
14 293 388 556 741 476 626 705 930
15 305 402 579 769 496 649 734 964
16 317 416 602 797 516 672 763 998
17 329 430 625 825 536 695 792 1,032
18 341 444 648 853 556 718 821 1,066
19 353 458 671 881 576 741 850 1,100
20 365 472 694 909 596 764 879 1,134
21 377 486 717 937 616 787 908 1,168
22 389 500 740 965 636 810 937 1,202
23 401 514 763 993 656 833 966 1,236
24 413 528 786 1,021 676 856 995 1,270
25 425 542 809 1,049 696 879 1,024 1,304
26 437 556 832 1,077 716 902 1,053 1,338
27 449 570 855 1,105 736 925 1,082 1,372
28 461 584 878 1,133 756 948 1,111 1,406
29 473 598 901 1,161 776 971 1,140 1,440
30 485 612 924 1,189 796 994 1,169 1,474
From the 31st day
(per day) 		15/day 21/day 30/day 40/day 25/day 34/day 37/day 51/day
MultiTrip
(per annum)** 		1,198 1,892 2,012 3,148 1,818 2,826 2,572 4,082

* The above premiums will be effective from 9 December 2008 onwards.

** 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 HSBC Insurance Service Hotline on (852) 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 premium will not be refundable unless you cancel the policy upon issuance of a travel alert for the planned destination by the Government of HKSAR.


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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 HSBC Insurance Service Hotline on (852) 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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