TravelSurance Coverage | Travel Insurance

Coverage

TravelSurance Coverage Table
Benefits Maximum benefit limit per Insured Person (HKD)	Asia - Basic	Asia - Standard	Worldwide - Basic	Worldwide - Standard
Section 1 – Personal Accident
Section Limit	500,000	1,200,000	800,000	2,000,000
Personal Accident Accidental Death and Permanent Disablement	500,000	1,200,000	800,000	2,000,000
Credit Card Protection (Not applicable to Children) Covers outstanding credit card balance payable by the Insured Person for items and sundries purchased and charged to such card while outside Hong Kong SAR during a trip in the event of accidental death of an Insured Person outside Hong Kong SAR.	5,000	5,000	5,000	5,000
Section 2 - Medical and Other Expenses
Section Limit	600,000	5,000,000	1,000,000	5,000,000
1. Medical Treatment Expenses¹ Covers medical expenses, additional accommodation and travelling expenses due to accidental bodily injury or sickness sustained during trip abroad	Fully Covered	Fully Covered	Fully Covered	Fully Covered
2. Family Member travelling overseas to visit hospitalized Insured Person Covers family member's accommodation and travelling expenses if the Insured Person is confined in an overseas hospital due to his/ her accidental bodily injury or sickness.	30,000 (1 person)	80,000 (1 person)	30,000 (1 person)	80,000 (1 person)
3. Follow-up Medical Treatment within 3 months of end of trip Covers for follow-up medical treatment upon return to Hong Kong SAR due to accidental bodily injury or sickness sustained during trip abroad.	Fully Covered	Fully Covered	Fully Covered	Fully Covered
4. Returning Your Child(ren) to HK Covers additional accommodation and travelling expenses for returning Insured Person’s unattended child(ren) aged below 18 back to Hong Kong SAR in the event of Insured Person is confined in an overseas hospital due to his/ her accidental bodily injury or sickness.	60,000	Fully covered	60,000	Fully covered
5. Translation Service in Overseas Hospital Covers costs of hiring a translator whilst confined in Overseas Hospital	5,000 (500 per day)	5,000 (500 per day)	5,000 (500 per day)	5,000 (500 per day)
6. Trauma Counselling Pays for the counseling fees if the Insured Person is a witness and /or victim of a traumatic event.	Not covered	25,000	Not covered	25,000
Limit for Chinese Medicine Practitioner² for benefits 1 & 3 above	1,000 (100 / day)	1,000 (100 / day)	1,000 (100 / day)	1,000 (100 / day)
Section 3 – Emergency Assistance
Emergency Medical Evacuation or Repatriation of Remains Covers expenses for evacuation as a result of an accidental bodily injury or sickness sustained abroad during a trip. Covers the cost for burial or cremation abroad; or the cost of transport of body or ashes back to Hong Kong.	Fully Covered	Fully Covered	Fully Covered	Fully Covered
Funeral Expenses Covers the cost for funeral abroad.	100,000	100,000	100,000	100,000
Section 4 – Overseas Hospital Cash¹
Cash benefit for admission to a hospital abroad as an in-patient due to accidental bodily injury or sickness sustained abroad during a trip.	6,000 (500 / day)	6,000 (500 / day)	6,000 (500 / day)	6,000 (500 / day)
Section 5 - Baggage and Personal Effects
Section limit Subject to the following sublimit	8,000	20,000	8,000	20,000
Sports Equipment, photographic equipment and Electronic Items (except mobile phone is referred to 2. in this Section). Limit per item/pair/set	2,000	6,000	2,000	6,000
Mobile phone – Limit per item (subject to 20% excess for each claim)	2,000	6,000	2,000	6,000
Others – Limit per item/pair/set	2,000	3,000	2,000	3,000
Section 6 – Delayed Baggage (over 6 hours)
Reimburses emergency purchases of essential items or clothing due to delay or misdirection of baggage for at least 6 hours from time of arrival at destination abroad.	1,000	2,000	1,000	2,000
Section 7 – Personal Money/Unauthorized Use of Credit Card and Travel Documents
1. Personal Money Pays for accidental loss of cash, travellers’ cheques etc. (not applicable to Children except aged 12 or above and travelling alone; limited to $1,500) 2. Unauthorized Use of Credit Card Indemnifies the monetary loss caused by unauthorized use of credit card in the event of loss of card during the trip.	1,500	5,000	1,500	5,000
3.Travel Document & Travel Ticket Pays for replacement cost of accidental loss of travel documents and travel tickets	5,000	5,000	5,000	5,000
Section 8 - Personal Liability
Indemnifies against legal liability for accidental bodily injury to a third party or damage to property belonging to a third party.	10,000,000	10,000,000	10,000,000	10,000,000
Section 9 – Travel Delay (over 6 hours) [(9A and/or 9B) OR 9C] Covers for the departure or arrival delay of the scheduled common carrier for at least 6 hours from the time specified in the original travel itinerary due to strike or industrial action, hijack, adverse weather conditions, natural disasters, airport closure, mechanical and/or electrical breakdown or structural defect of scheduled aircraft, sea vessel, train or other common carrier
9A. Cash Allowance Provides cash allowance for every 6 hours of departure delay or arrival delay of the same common carrier. You can only claim for either departure delay or arrival delay	2,000 (200 for each 6 hours)	2,500 (250 for each 6 hours)	2,000 (200 for each 6 hours)	2,500 (250 for each 6 hours)
9B. Trip Re-routing costs Pays for additional accommodation and transport costs for re-routing due to delay OR	Not covered	4,000 (2,000 / day)	Not covered	4,000 (2,000 / day)
9C. Catch Up ticket costs Pays for costs of replacement travel tickets in order to catch up with travel plan Note: If Cash Allowance and/or Trip Re-routing costs under Sections 9A and/or 9B are payable, Catch Up tickets costs under Section 9C will not be payable, and vice versa	Not covered	2,000	Not covered	4,000
Section 10 – Trip Cancellation and Trip Curtailment
Section Limit	25,000	50,000	25,000	50,000
Cancellation Reimburses irrecoverable payments or deposits of tour, transportation or accommodation on cancellation of a trip due to: (a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (b) witness summons, jury service or compulsory quarantine of Insured Person; (c) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusions 1(a)), strike, terrorism (except General Exclusions 1(c)), natural disasters or adverse weather conditions at the planned destination arising out of circumstances beyond the control of the Insured Person; (d) serious damage of Insured Person’s principal residence from fire, flood or natural disaster within one week from the departure date; (e) issuance of Black Alert or Red Alert for the planned destination (except for the reason of a pandemic). Note: for both cancellation and curtailment, limit for Red Alert will be up to 50%	25,000	50,000	25,000	50,000
Curtailment Reimburses unused irrecoverable prepaid transport or accommodation costs of trip and additional accommodation or travel costs back to Hong Kong SAR due to necessary and unavoidable curtailment of a trip due to (a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (b) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusions 1(a)), strike, terrorism (except General Exclusions 1(c)), natural disasters, adverse weather conditions or hijack occurring at the planned destination arising out of circumstances beyond the control of the Insured Person; (c) serious damage to Insured Person’s principal residence from fire, flood or natural disaster within one week from the departure date; (d) issuance of Black Alert or Red Alert for the destination during the trip. Note: for both cancellation and curtailment, limit for Red Alert will be up to 50%	25,000	50,000	25,000	50,000
Section 11 – Missed Event
Reimburses for unused and irrecoverable prepaid tickets costs included a trip that is arranged by travel agent or purchased by you due to: (a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (b) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusions 1(a)), strike, terrorism (except General Exclusions 1(c)), natural disasters, adverse weather conditions or hijack occurring at the planned destination arising out of circumstances beyond the control of the Insured Person; (c) issuance of Black Travel Alert or Red Travel Alert (except for the reason of a pandemic) for the planned destination before the trip; (d) issuance of Black Alert or Red Alert for the planned destination during the trip; (e) at least 6 hours of travel delay due to strike or industrial action, hijack, adverse weather conditions, natural disasters, airport closure, mechanical and/or electrical breakdown, structural defect of the aircraft, sea vessel, train or common carrier Note: for both cancellation and curtailment, limit for Red Alert will be up to 50%	Not Covered	10,000	Not Covered	10,000
Section 12 – Rental Vehicle Excess
Section Limit Pays for motor insurance policy excess or deductible for vehicle rented during a trip.	Not Covered	3,000	Not Covered	3,000
Additional Benefit Emergency assistance service – provides 24-hour support for services covered under the policy	Covered	Covered	Covered	Covered
Section 13 - China Medical Card (Optional for MultiTrip TravelSurance only)
Provides hospital admission deposit guarantee to the designated hospital for admission as an in-patient due to accidental bodily injury or sickness whilst travelling in mainland China	Hospital admission deposit guarantee	Hospital admission deposit guarantee	Hospital admission deposit guarantee	Hospital admission deposit guarantee

Coverage

TravelSurance Coverage Table
Benefits Maximum benefit limit per Insured Person (HKD)	Section 1 – Personal Accident
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	Section Limit
Asia - Basic	500,000
Asia - Standard	1,200,000
Worldwide - Basic	800,000
Worldwide - Standard	2,000,000

Benefits Maximum benefit limit per Insured Person (HKD)	Personal Accident Accidental Death and Permanent Disablement
Asia - Basic	500,000
Asia - Standard	1,200,000
Worldwide - Basic	800,000
Worldwide - Standard	2,000,000

Benefits Maximum benefit limit per Insured Person (HKD)	Credit Card Protection (Not applicable to Children) Covers outstanding credit card balance payable by the Insured Person for items and sundries purchased and charged to such card while outside Hong Kong SAR during a trip in the event of accidental death of an Insured Person outside Hong Kong SAR.
Asia - Basic	5,000
Asia - Standard	5,000
Worldwide - Basic	5,000
Worldwide - Standard	5,000

Benefits Maximum benefit limit per Insured Person (HKD)	Section 2 - Medical and Other Expenses
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	Section Limit
Asia - Basic	600,000
Asia - Standard	5,000,000
Worldwide - Basic	1,000,000
Worldwide - Standard	5,000,000

Benefits Maximum benefit limit per Insured Person (HKD)	1. Medical Treatment Expenses¹ Covers medical expenses, additional accommodation and travelling expenses due to accidental bodily injury or sickness sustained during trip abroad
Asia - Basic	Fully Covered
Asia - Standard	Fully Covered
Worldwide - Basic	Fully Covered
Worldwide - Standard	Fully Covered

Benefits Maximum benefit limit per Insured Person (HKD)	2. Family Member travelling overseas to visit hospitalized Insured Person Covers family member's accommodation and travelling expenses if the Insured Person is confined in an overseas hospital due to his/ her accidental bodily injury or sickness.
Asia - Basic	30,000 (1 person)
Asia - Standard	80,000 (1 person)
Worldwide - Basic	30,000 (1 person)
Worldwide - Standard	80,000 (1 person)

Benefits Maximum benefit limit per Insured Person (HKD)	3. Follow-up Medical Treatment within 3 months of end of trip Covers for follow-up medical treatment upon return to Hong Kong SAR due to accidental bodily injury or sickness sustained during trip abroad.
Asia - Basic	Fully Covered
Asia - Standard	Fully Covered
Worldwide - Basic	Fully Covered
Worldwide - Standard	Fully Covered

Benefits Maximum benefit limit per Insured Person (HKD)	4. Returning Your Child(ren) to HK Covers additional accommodation and travelling expenses for returning Insured Person’s unattended child(ren) aged below 18 back to Hong Kong SAR in the event of Insured Person is confined in an overseas hospital due to his/ her accidental bodily injury or sickness.
Asia - Basic	60,000
Asia - Standard	Fully covered
Worldwide - Basic	60,000
Worldwide - Standard	Fully covered

Benefits Maximum benefit limit per Insured Person (HKD)	5. Translation Service in Overseas Hospital Covers costs of hiring a translator whilst confined in Overseas Hospital
Asia - Basic	5,000 (500 per day)
Asia - Standard	5,000 (500 per day)
Worldwide - Basic	5,000 (500 per day)
Worldwide - Standard	5,000 (500 per day)

Benefits Maximum benefit limit per Insured Person (HKD)	6. Trauma Counselling Pays for the counseling fees if the Insured Person is a witness and /or victim of a traumatic event.
Asia - Basic	Not covered
Asia - Standard	25,000
Worldwide - Basic	Not covered
Worldwide - Standard	25,000

Benefits Maximum benefit limit per Insured Person (HKD)	Limit for Chinese Medicine Practitioner² for benefits 1 & 3 above
Asia - Basic	1,000 (100 / day)
Asia - Standard	1,000 (100 / day)
Worldwide - Basic	1,000 (100 / day)
Worldwide - Standard	1,000 (100 / day)

Benefits Maximum benefit limit per Insured Person (HKD)	Section 3 – Emergency Assistance
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	Emergency Medical Evacuation or Repatriation of Remains Covers expenses for evacuation as a result of an accidental bodily injury or sickness sustained abroad during a trip. Covers the cost for burial or cremation abroad; or the cost of transport of body or ashes back to Hong Kong.
Asia - Basic	Fully Covered
Asia - Standard	Fully Covered
Worldwide - Basic	Fully Covered
Worldwide - Standard	Fully Covered

Benefits Maximum benefit limit per Insured Person (HKD)	Funeral Expenses Covers the cost for funeral abroad.
Asia - Basic	100,000
Asia - Standard	100,000
Worldwide - Basic	100,000
Worldwide - Standard	100,000

Benefits Maximum benefit limit per Insured Person (HKD)	Section 4 – Overseas Hospital Cash¹
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	Cash benefit for admission to a hospital abroad as an in-patient due to accidental bodily injury or sickness sustained abroad during a trip.
Asia - Basic	6,000 (500 / day)
Asia - Standard	6,000 (500 / day)
Worldwide - Basic	6,000 (500 / day)
Worldwide - Standard	6,000 (500 / day)

Benefits Maximum benefit limit per Insured Person (HKD)	Section 5 - Baggage and Personal Effects
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	Section limit Subject to the following sublimit
Asia - Basic	8,000
Asia - Standard	20,000
Worldwide - Basic	8,000
Worldwide - Standard	20,000

Benefits Maximum benefit limit per Insured Person (HKD)	Sports Equipment, photographic equipment and Electronic Items (except mobile phone is referred to 2. in this Section). Limit per item/pair/set
Asia - Basic	2,000
Asia - Standard	6,000
Worldwide - Basic	2,000
Worldwide - Standard	6,000

Benefits Maximum benefit limit per Insured Person (HKD)	Mobile phone – Limit per item (subject to 20% excess for each claim)
Asia - Basic	2,000
Asia - Standard	6,000
Worldwide - Basic	2,000
Worldwide - Standard	6,000

Benefits Maximum benefit limit per Insured Person (HKD)	Others – Limit per item/pair/set
Asia - Basic	2,000
Asia - Standard	3,000
Worldwide - Basic	2,000
Worldwide - Standard	3,000

Benefits Maximum benefit limit per Insured Person (HKD)	Section 6 – Delayed Baggage (over 6 hours)
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	Reimburses emergency purchases of essential items or clothing due to delay or misdirection of baggage for at least 6 hours from time of arrival at destination abroad.
Asia - Basic	1,000
Asia - Standard	2,000
Worldwide - Basic	1,000
Worldwide - Standard	2,000

Benefits Maximum benefit limit per Insured Person (HKD)	Section 7 – Personal Money/Unauthorized Use of Credit Card and Travel Documents
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	1. Personal Money Pays for accidental loss of cash, travellers’ cheques etc. (not applicable to Children except aged 12 or above and travelling alone; limited to $1,500) 2. Unauthorized Use of Credit Card Indemnifies the monetary loss caused by unauthorized use of credit card in the event of loss of card during the trip.
Asia - Basic	1,500
Asia - Standard	5,000
Worldwide - Basic	1,500
Worldwide - Standard	5,000

Benefits Maximum benefit limit per Insured Person (HKD)	3.Travel Document & Travel Ticket Pays for replacement cost of accidental loss of travel documents and travel tickets
Asia - Basic	5,000
Asia - Standard	5,000
Worldwide - Basic	5,000
Worldwide - Standard	5,000

Benefits Maximum benefit limit per Insured Person (HKD)	Section 8 - Personal Liability
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	Indemnifies against legal liability for accidental bodily injury to a third party or damage to property belonging to a third party.
Asia - Basic	10,000,000
Asia - Standard	10,000,000
Worldwide - Basic	10,000,000
Worldwide - Standard	10,000,000

Benefits Maximum benefit limit per Insured Person (HKD)	Section 9 – Travel Delay (over 6 hours) [(9A and/or 9B) OR 9C] Covers for the departure or arrival delay of the scheduled common carrier for at least 6 hours from the time specified in the original travel itinerary due to strike or industrial action, hijack, adverse weather conditions, natural disasters, airport closure, mechanical and/or electrical breakdown or structural defect of scheduled aircraft, sea vessel, train or other common carrier
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	9A. Cash Allowance Provides cash allowance for every 6 hours of departure delay or arrival delay of the same common carrier. You can only claim for either departure delay or arrival delay
Asia - Basic	2,000 (200 for each 6 hours)
Asia - Standard	2,500 (250 for each 6 hours)
Worldwide - Basic	2,000 (200 for each 6 hours)
Worldwide - Standard	2,500 (250 for each 6 hours)

Benefits Maximum benefit limit per Insured Person (HKD)	9B. Trip Re-routing costs Pays for additional accommodation and transport costs for re-routing due to delay OR
Asia - Basic	Not covered
Asia - Standard	4,000 (2,000 / day)
Worldwide - Basic	Not covered
Worldwide - Standard	4,000 (2,000 / day)

Benefits Maximum benefit limit per Insured Person (HKD)	9C. Catch Up ticket costs Pays for costs of replacement travel tickets in order to catch up with travel plan Note: If Cash Allowance and/or Trip Re-routing costs under Sections 9A and/or 9B are payable, Catch Up tickets costs under Section 9C will not be payable, and vice versa
Asia - Basic	Not covered
Asia - Standard	2,000
Worldwide - Basic	Not covered
Worldwide - Standard	4,000

Benefits Maximum benefit limit per Insured Person (HKD)	Section 10 – Trip Cancellation and Trip Curtailment
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	Section Limit
Asia - Basic	25,000
Asia - Standard	50,000
Worldwide - Basic	25,000
Worldwide - Standard	50,000

Benefits Maximum benefit limit per Insured Person (HKD)	Cancellation Reimburses irrecoverable payments or deposits of tour, transportation or accommodation on cancellation of a trip due to: (a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (b) witness summons, jury service or compulsory quarantine of Insured Person; (c) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusions 1(a)), strike, terrorism (except General Exclusions 1(c)), natural disasters or adverse weather conditions at the planned destination arising out of circumstances beyond the control of the Insured Person; (d) serious damage of Insured Person’s principal residence from fire, flood or natural disaster within one week from the departure date; (e) issuance of Black Alert or Red Alert for the planned destination (except for the reason of a pandemic). Note: for both cancellation and curtailment, limit for Red Alert will be up to 50%
Asia - Basic	25,000
Asia - Standard	50,000
Worldwide - Basic	25,000
Worldwide - Standard	50,000

Benefits Maximum benefit limit per Insured Person (HKD)	Curtailment Reimburses unused irrecoverable prepaid transport or accommodation costs of trip and additional accommodation or travel costs back to Hong Kong SAR due to necessary and unavoidable curtailment of a trip due to (a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (b) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusions 1(a)), strike, terrorism (except General Exclusions 1(c)), natural disasters, adverse weather conditions or hijack occurring at the planned destination arising out of circumstances beyond the control of the Insured Person; (c) serious damage to Insured Person’s principal residence from fire, flood or natural disaster within one week from the departure date; (d) issuance of Black Alert or Red Alert for the destination during the trip. Note: for both cancellation and curtailment, limit for Red Alert will be up to 50%
Asia - Basic	25,000
Asia - Standard	50,000
Worldwide - Basic	25,000
Worldwide - Standard	50,000

Benefits Maximum benefit limit per Insured Person (HKD)	Section 11 – Missed Event
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	Reimburses for unused and irrecoverable prepaid tickets costs included a trip that is arranged by travel agent or purchased by you due to: (a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (b) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusions 1(a)), strike, terrorism (except General Exclusions 1(c)), natural disasters, adverse weather conditions or hijack occurring at the planned destination arising out of circumstances beyond the control of the Insured Person; (c) issuance of Black Travel Alert or Red Travel Alert (except for the reason of a pandemic) for the planned destination before the trip; (d) issuance of Black Alert or Red Alert for the planned destination during the trip; (e) at least 6 hours of travel delay due to strike or industrial action, hijack, adverse weather conditions, natural disasters, airport closure, mechanical and/or electrical breakdown, structural defect of the aircraft, sea vessel, train or common carrier Note: for both cancellation and curtailment, limit for Red Alert will be up to 50%
Asia - Basic	Not Covered
Asia - Standard	10,000
Worldwide - Basic	Not Covered
Worldwide - Standard	10,000

Benefits Maximum benefit limit per Insured Person (HKD)	Section 12 – Rental Vehicle Excess
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	Section Limit Pays for motor insurance policy excess or deductible for vehicle rented during a trip.
Asia - Basic	Not Covered
Asia - Standard	3,000
Worldwide - Basic	Not Covered
Worldwide - Standard	3,000

Benefits Maximum benefit limit per Insured Person (HKD)	Additional Benefit Emergency assistance service – provides 24-hour support for services covered under the policy
Asia - Basic	Covered
Asia - Standard	Covered
Worldwide - Basic	Covered
Worldwide - Standard	Covered

Benefits Maximum benefit limit per Insured Person (HKD)	Section 13 - China Medical Card (Optional for MultiTrip TravelSurance only)
Asia - Basic
Asia - Standard
Worldwide - Basic
Worldwide - Standard

Benefits Maximum benefit limit per Insured Person (HKD)	Provides hospital admission deposit guarantee to the designated hospital for admission as an in-patient due to accidental bodily injury or sickness whilst travelling in mainland China
Asia - Basic	Hospital admission deposit guarantee
Asia - Standard	Hospital admission deposit guarantee
Worldwide - Basic	Hospital admission deposit guarantee
Worldwide - Standard	Hospital admission deposit guarantee

1. No benefit is payable for hospitalisation relating to pre-existing condition.

2. The medical expenses for Chinese medicine, bone-setting and acupuncture fees is limited to HKD100 per visit per day up to HKD1,000.

Key policy exclusions

Riot, civil commotion, war, invasion, civil war and related perils
Suicide, self-inflicted injury, illegal acts, insanity, drugs-taking, alcoholism, venereal disease, AIDs.
Any pre-existing conditions, including congenital conditions
Childbirth, pregnancy, miscarriage
Engaging in:

- any sports or activities which are played in professional capacity or in competition involving prize money or reward of any kind

- deep-water diving (that is diving to a depth of greater than 40 metres)

- motor rallies

- aviation other than as a fare-paying passenger

Manual work or hazardous work (e.g. involve the use of mechanical and/or electrical equipment or handling of explosive or hazardous substances, etc.)
Property more specifically insured
Claims where no written notification is given to AXA General Insurance Hong Kong Limited within 30 days after end of the trip

For a full list of exclusions and terms and conditions, please refer to our policy wordings.

General Insurance products are applicable to HSBC Account holders and HSBC credit card holders only.

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.

The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.

Coverage table

Coverage

Coverage

End Notes