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] 
       

9A. Cash Allowance  

  • Pays for the delay in departure of the scheduled aircraft, sea vessel, train or other common carrier for at least 6 hours due to strike or industrial action, hijack, adverse weather conditions, mechanical breakdown, structural defect of the aircraft, sea vessel, train or common carrier
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
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.

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 Alert or Red Alert for the destination during the trip;
(d) at least 6 hours of travel delay due to strike or industrial action, hijack, adverse weather conditions, mechanical 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] 
Asia - Basic
 
Asia - Standard
 
Worldwide - Basic
 
Worldwide - Standard
 
Benefits
Maximum benefit limit per Insured Person (HKD)

9A. Cash Allowance  

  • Pays for the delay in departure of the scheduled aircraft, sea vessel, train or other common carrier for at least 6 hours due to strike or industrial action, hijack, adverse weather conditions, mechanical breakdown, structural defect of the aircraft, sea vessel, train or common carrier
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
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.

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 Alert or Red Alert for the destination during the trip;
(d) at least 6 hours of travel delay due to strike or industrial action, hijack, adverse weather conditions, mechanical 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 (40 metres or deeper)

    - 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.