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
|
500,000 |
1,200,000 |
800,000 |
2,000,000 |
Credit Card Protection (Not applicable to Children)
|
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
|
Fully Covered |
Fully Covered |
Fully Covered |
Fully Covered |
2. Family Member travelling overseas to visit hospitalized Insured Person
|
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
|
Fully Covered |
Fully Covered |
Fully Covered |
Fully Covered |
4. Returning Your Child(ren) to HK
|
60,000 |
Fully covered |
60,000 |
Fully covered |
5. Translation Service 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
|
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
|
Fully Covered |
Fully Covered |
Fully Covered |
Fully Covered |
Funeral Expenses
|
100,000 |
100,000 |
100,000 |
100,000 |
Section 4 – Overseas Hospital Cash1 |
||||
|
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
2. Unauthorized Use of Credit Card
|
1,500 |
5,000 |
1,500 |
5,000 |
3.Travel Document & Travel Ticket
|
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
|
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
OR |
Not covered |
4,000 (2,000 / day) |
Not covered |
4,000 (2,000 / day) |
9C. Catch Up ticket costs
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
(a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; Note: for both cancellation and curtailment, limit for Red Alert will be up to 50% |
25,000 |
50,000 |
25,000 |
50,000 |
Curtailment
(a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; 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 |
||||
(a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (c) issuance of Black Travel Alert or Red Travel Alert (except for the reason of a pandemic) for the planned destination before the trip; 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
|
Not Covered |
3,000 |
Not Covered |
3,000 |
Additional Benefit
|
Covered |
Covered |
Covered |
Covered |
Section 13 - China Medical Card (Optional for MultiTrip TravelSurance only) |
||||
|
Hospital admission deposit guarantee |
Hospital admission deposit guarantee |
Hospital admission deposit guarantee |
Hospital admission deposit guarantee |
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
|
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)
|
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
|
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
|
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
|
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
|
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
|
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
|
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
|
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
|
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) |
|
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
2. Unauthorized Use of Credit Card
|
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
|
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
|
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
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
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
(a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; 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
(a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; 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) |
(a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (c) issuance of Black Travel Alert or Red Travel Alert (except for the reason of a pandemic) for the planned destination before the trip; 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
|
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
|
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) |
|
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.