AccidentSurance

Declaration for AccidentSurance

I, on behalf of each of myself, my spouse and my child/children (if any), hereby declare as follows:

  1. I (Insured)/We (Insured, insured spouse and insured child/children) hereby apply for AccidentSurance within the Hong Kong Special Administrative Region and declare that the statements and particulars given in this application are to the best of my/our knowledge and belief, true and complete, and that this application will form the basis of my/our contract with AXA General Insurance Hong Kong Limited.
  2. I/We further declare that:
    1. I am/We are in good health and free from physical impairment or deformity.
    2. I and my insured spouse are both under 60 years of age and the insured child/children is/are six months of age or over but under 18 years of age or is a/are full-time student(s) at a school, college or university under 23 years of age.
    3. I am/We are Hong Kong Special Administrative Region residents.
    4. I/We have never been denied personal accident insurance.
    5. I/We do not have any in-force AccidentSurance policy with AXA General Insurance Hong Kong Limited that was effected after 27 October 2002, and have not   had any AccidentSurance policy cancelled during the last six months.
  3. I/We understand that insured person(s) who engage in work or activities listed in the Hazardous Activities ListHazardous Activities List This link will open in a new window, will receive no benefits under the policy for Accidental Injury, Death or Medical Expenses which result from or are caused directly or indirectly by an Accident whilst carrying out such work or activity.
  4. I/We have read and understood the Personal Information Collection Statement, Terms and Conditions and the Policy Wording of this AccidentSurance and agree to be bound by the same.

Terms and Conditions for AccidentSurance

  1. Eligibility (age limits)
    Applicant's family members are:
    1. legally married spouse under 60 years of age
    2. all legally dependent unmarried children, including step children and legally adopted children, who are six months of age or over but under 18 years of age or full-time students at a school, college or university under 23 years of age  
  2. Benefits Payable
    1. Spouse:
      1. Same as the Insured's
    2. Children:
      1. Cash Benefit for Accidental Injury or Death: 20% of the Insured
      2. Medical expenses: 20% of the Insured's (Daily limit same as the Insured's)
      3. Chinese bonesetter expenses: 20% of the Insured's (Daily limit same as the Insured's)
  3. Premium Payment Method
    Premiums may be paid by direct debit to a designated credit card account.
  4. Renewal Agreement
    AccidentSurance will be renewed upon payment of premium when due, otherwise it will be cancelled automatically.
  5. Refund of Premium
    1. For monthly payment policy
      This policy is subject to minimum payment of two months' premium in advance which is not refundable upon termination unless the policy is cancelled within 30 days of the receipt of the policy (i.e. from the date of application).
    2. For annual payment policy
      This policy is subject to the payment of the annual premium in advance. All premium paid will at all times be subject to the Premium Refund Rules upon the termination of AccidentSurance except where AccidentSurance is cancelled within 30 days of the receipt of the policy (i.e. from the date of application),where a full refund will be made. 
  6. Privacy and Security Statement
    Once you submit an online application of this AccidentSurance, you shall be deemed to have read, understood and agreed to the Privacy and Security Statement. If you have not already read this Statement, please do so by clicking here.

Please refer to Policy Wording for full detailed terms and conditions. For more information, please call Insurance Service Hotline on (852) 2867 8678.

Cancer Care Insurance Plan

Terms and Conditions for Cancer Care Insurance Plan

  1. Eligibility
    The following persons are eligible to be covered:
    1. Persons who legally reside in the Hong Kong SAR with Hong Kong identity card;
    2. Persons whose age from 14 days to 60 years old (inclusive) on the date of first time application. Cover may be renewed up to 79 years old.
  2. Premium Payment
    1. Premium must be paid by direct debit from HSBC credit card / account.
  3. Renewal Arrangement
    1. A renewal notice will be sent to you 45 days before the policy anniversary.
    2. If you decide not to renew the policy, you will need to inform us at least 30 days before the policy anniversary, or the policy will be renewed automatically for another year subject to the payment of the renewal premiums before the due date as determined by us.
  4. Policy Cancellation
    1. You may apply for policy termination by giving a written notice to AXA at least 30 days before the anniversary of your policy. No refund of premium will be made once your policy is effected.
    2. AXA shall have the right to terminate the policy, or to revise the terms and conditions of the policy if you failed to act in utmost good faith.
    3. AXA will give you a written notice at least 7 days before such termination or revision. For such termination, you shall be entitled to a pro-rata refund of the premium paid provided that no claims have been paid or are payable under your Policy.

Please refer to Policy Wording for full detailed terms and conditions. For more information, please call Insurance Service Hotline on (852) 2867 8678.

Fire Insurance

Declaration for Fire Insurance

  1. I (Applicant) have read and understood the Personal Information Collection Statement.
  2. I hereby apply for Fire Insurance within the Hong Kong Special Administrative Region and declare that the statements and particulars given in this application are to the best of my knowledge and belief, true and complete, and this application will form the basis of my contract with AXA General Insurance Hong Kong Limited. I further declare that:
    1. My insured property is built of bricks, stone and concrete and roofed with concrete.
    2. My insured property is less than 40 years of age.
    3. My insured property is not used for commercial purposes and is located in a permanent building in Hong Kong SAR.
    4. I am/will be the legal owner of this insured property by the Policy Commencement Date.
    5. I have never had any fire insurance applications rejected or accepted on special terms by any insurance company.
    6. I do not have any Fire Insurance policy of my insured property with AXA General Insurance Hong Kong Limited cancelled during the last six months.
    7. I understand that, in respect my choice of sum insured, this Policy Wording is subject to Average clause (refer to clause 11 of the policy) and Reinstatement Value Insurance (refer to clause A19 of the policy) in the event of under-insurance

Terms and Conditions for Fire Insurance

  1. Eligibility

Applicant must be 18 (by last birthday) or over.

2. Insurance Coverage and Clauses
Insurance Coverage and Clauses
Clauses
Standard Cover
Comprehensive Cover
A7
Foundations Exclusion
Foundations Exclusion
A12
Mortgagee/Non-Occupying Landlord Clause
Mortgagee/Non-Occupying Landlord Clause
A13
Mortgagee Clause
Mortgagee Clause
A19
Reinstatement Value Insurance(not applicable to stock)
Reinstatement Value Insurance(not applicable to stock)
B24
Occupancy Warranty A
Occupancy Warranty A
B25
Occupancy Warranty B
Occupancy Warranty B
X02
N/A
Aircraft
X04
Explosion
Explosion
X5A
N/A
Riot and Strike
X06
N/A
Malicious Damage
X8A
N/A
Vehicle Impact (by third party vehicle)
X10
Earthquake
Earthquake
X12
Typhoon, Windstorm and Flood
Typhoon, Windstorm and Flood
X13
N/A
Water Tanks, Apparatus and Pipes
E15
Landslide and Subsidence
Landslide & Subsidence
2. Insurance Coverage and Clauses
Insurance Coverage and Clauses
Clauses
A7
Standard Cover
Foundations Exclusion
Comprehensive Cover
Foundations Exclusion
Clauses
A12
Standard Cover
Mortgagee/Non-Occupying Landlord Clause
Comprehensive Cover
Mortgagee/Non-Occupying Landlord Clause
Clauses
A13
Standard Cover
Mortgagee Clause
Comprehensive Cover
Mortgagee Clause
Clauses
A19
Standard Cover
Reinstatement Value Insurance(not applicable to stock)
Comprehensive Cover
Reinstatement Value Insurance(not applicable to stock)
Clauses
B24
Standard Cover
Occupancy Warranty A
Comprehensive Cover
Occupancy Warranty A
Clauses
B25
Standard Cover
Occupancy Warranty B
Comprehensive Cover
Occupancy Warranty B
Clauses
X02
Standard Cover
N/A
Comprehensive Cover
Aircraft
Clauses
X04
Standard Cover
Explosion
Comprehensive Cover
Explosion
Clauses
X5A
Standard Cover
N/A
Comprehensive Cover
Riot and Strike
Clauses
X06
Standard Cover
N/A
Comprehensive Cover
Malicious Damage
Clauses
X8A
Standard Cover
N/A
Comprehensive Cover
Vehicle Impact (by third party vehicle)
Clauses
X10
Standard Cover
Earthquake
Comprehensive Cover
Earthquake
Clauses
X12
Standard Cover
Typhoon, Windstorm and Flood
Comprehensive Cover
Typhoon, Windstorm and Flood
Clauses
X13
Standard Cover
N/A
Comprehensive Cover
Water Tanks, Apparatus and Pipes
Clauses
E15
Standard Cover
Landslide and Subsidence
Comprehensive Cover
Landslide & Subsidence

3. Premium Payment Method
    Premium can be paid by direct debit to designated credit card account.

 

4. Premium Payment Method
    Renewal letter will be sent to your last known correspondence address about 45 days prior to your policy's annual expiry date. The policy will be automatically renewed for another year on successfully debiting the annual premium from your designated direct debit account.

5. Refund of Premium

    This Policy Wording is subject to minimum payment of HK$400 or following short period refund rate, whichever is higher.  

Refund of Premium
Period Covered (not exceeding)
Premium Refund
1 month
90%
2 months
80%
3 months
70%
4 months
60%
5 months
50%
6 months
40%
7 months
30%
8 months
20%
9 months
15%
10 months
10%
11 months
5%
Over 11 months
0%

5. Refund of Premium

    This Policy Wording is subject to minimum payment of HK$400 or following short period refund rate, whichever is higher.  

Refund of Premium
Period Covered (not exceeding)
1 month
Premium Refund
90%
Period Covered (not exceeding)
2 months
Premium Refund
80%
Period Covered (not exceeding)
3 months
Premium Refund
70%
Period Covered (not exceeding)
4 months
Premium Refund
60%
Period Covered (not exceeding)
5 months
Premium Refund
50%
Period Covered (not exceeding)
6 months
Premium Refund
40%
Period Covered (not exceeding)
7 months
Premium Refund
30%
Period Covered (not exceeding)
8 months
Premium Refund
20%
Period Covered (not exceeding)
9 months
Premium Refund
15%
Period Covered (not exceeding)
10 months
Premium Refund
10%
Period Covered (not exceeding)
11 months
Premium Refund
5%
Period Covered (not exceeding)
Over 11 months
Premium Refund
0%

6. Privacy and Security Statement
    Once you submit an online application of this Fire Insurance, you shall be deemed to have read, understood and agreed to the Privacy and Security Statement. If you have not already read this Statement, please do so by clicking here.

 

Please refer to the Policy Wording for details on Exclusions, Geographical limits, Termination notice, Governing Version and terms and conditions. For further information, please call Insurance Service Hotline on (852) 2867 8678.

Worldwide Elite Medical Plan

Terms and Conditions for Worldwide Elite Medical Plan 

  1. Eligibility
    1. Adults can enrol from the age of 18 and up to 80. We accept family enrolments, including your spouse, partner or children (mean any biological child, stepchild, legally adopted child or foster child) aged between 14 days and 17 years, or up to the age of 23 who is an unmarried person, financially solely dependent upon you, and is registered as a full-time student at school, college or university. Partner means someone with whom the Insured Person lives in a relationship equivalent to marriage, whether of the same or opposite gender.
  2. Premium Payment
    1. Premium must be paid by direct debit from HSBC credit card / account.
    2. You are allowed a grace period of 30 days after the due date for payment of each premium after the first payment. You policy will continue to be in effect during the grace period. If a premium is still unpaid at the end of the Grace Period, the policy will no longer be in effect from the premium due date.
  3. Renewal Arrangement
    1. A renewal notice will be sent to you 45 days before the policy anniversary.
    2. If you decide not to renew the policy, you will need to inform us at least 30 days before the policy anniversary, or the policy will be renewed automatically for another year subject to the payment of the renewal premiums before the due date as determined by AXA.
  4. Policy Cancellation
    1. You may apply for policy termination by giving a written notice to AXA at least 30 days before the anniversary of your policy. No refund of premium will be made once your policy is effected. 
    2. AXA shall have the right to terminate the policy, or to revise the terms and conditions of the policy if you failed to act in utmost good faith.
    3. AXA will give you a written notice at least 7 days before such termination or revision. For such termination, you shall be entitled to a pro-rata refund of the premium paid provided that no claims have been paid or are payable under your Policy.

Please refer to Policy Wording for full detailed terms and conditions. For more information, please call Worldwide Elite Medical customer service hotline on (852) 2867 8611.

Helper Insurance

Declaration for Helper Insurance

  1. I (Applicant) have read and understood the Personal Information Collection Statement.
  2. I hereby apply for Helper Insurance within the Hong Kong Special Administrative Region and declare that the statements and particulars given in this application are to the best of my knowledge and belief, true and complete, and this application will form the basis of my contract with AXA General Insurance Hong Kong Limited. I further declare that:
    1. My domestic helper(s) is/are aged 18 or above but below 60.
    2. My domestic helper(s) does/do not have any foreseeable need for treatment or for consulting any medical practitioner.
    3. I have never had any helper insurance applications rejected or accepted on special terms by any insurance company.
    4. I understand that this insurance is for the purposed helper(s) who is/are lawfully engaged for domestic duties only.

 

Terms and Conditions for Helper Insurance

  1. Eligibility
    Applicant must be 18 (by last birthday) or over.
  2. Premium Payment Method
    Premium can be paid by direct debit to designated credit card account
  3. Renewal Agreement
    Renewal letter will be sent to your last known correspondence address about 45 days prior to your policy's premium due date. The policy will be automatically renewed for another year on successfully debiting the annual premium from your designated direct debit account.
  4. Refund of Premium
    All premium paid will at all times be subject to the Premium Refund Rules upon the termination of the policy, except where it is cancelled within 30 days of the receipt of the policy (i.e. from the date of application), a full refund will be made, provided that there is no claim record under your policy during the period of insurance.
  5. Privacy and Security Statement
    Once you submit an online application of this Helper Insurance, you shall be deemed to have read, understood and agreed to the Privacy and Security Statement. If you have not already read this Statement, please do so by clicking here.

Please refer to the Policy Wording for details on Exclusions, Geographical limits, Termination notice, Governing Version and terms and conditions. For further information, please call Insurance Service Hotline on (852) 2867 8678.

HomeSurance

Declaration for HomeSurance

  1. I, on behalf of each of myself and the joint applicant (if any), hereby apply for HomeSurance within the Hong Kong Special Administrative Region and declare that the statements and particulars given in this application are to the best of my/our knowledge and belief, true and complete, and that this application will form the basis of my/our contract with AXA General Insurance Hong Kong Limited.
    I/We further declare that:
    1. My/Our home is built of brick, stone and concrete and roofed with concrete. The gross floor area stated in this application includes balconies, terraces, forecourt, backyard and/or roof of the Home.
    2. I/We have never had any of my/our Home, Personal Belongings, Domestic Helper, Golfer insurance and/or Loss of Rent insurance applications rejected and have never had any such insurance policies cancelled by any insurance companies.
    3. My/Our home is in a permanent residential building which is already constructed and less than 40 years of age, or will be constructed by the Policy Effectiv Date.
    4. I/We do not have any in-force HomeSurance policy with AXA General Insurance Hong Kong Limited for this home and have not had any HomeSurance policy for this home cancelled during the last six months.
  2. I/We have read and understood the Personal Information Collection StatementTerms and Conditions and the Policy Wording of this HomeSurance and agree to be bound by the same.

Terms and Conditions for HomeSurance

  1. HomeSurance is specially designed solely for domestic use in residential building, house, apartment or flat being situated in the Hong Kong Special Administrative Region (Hong Kong SAR). All structure of the home must be under legal construction.
  2. Premium Payment Method
    Premiums may be paid by direct debit to a designated credit card account.
  3. Basis of Coverage
    This insurance coverage for Household Content and Worldwide All Risks cover is based on 'New For Old'; that is, repairing the damaged property or replacing the property if stolen or beyond repair with a new article of the same kind which is of similar but not better quality.
  4. The successful applicant and his/her family members (including spouse, children, parents and other relatives permanently living with you in the home) must comply with all statutory obligations and take all reasonable steps to prevent loss, damage or injury; and maintain the home in efficient condition and good repair.
  5. The successful applicant must advise us of any change in his/her occupation of the premises, any permanent move of the home or circumstance which would increase the possibility of loss or damage. Premiums may be adjusted accordingly.
  6. Renewal Agreement
    HomeSurance will be renewed upon payment of premium when due, otherwise it will be cancelled automatically.
  7. Refund of Premium
    1. For monthly payment policy
      This policy is subject to minimum payment of two months' premium in advance which is not refundable upon termination unless the policy is cancelled within 30 days of the receipt of the policy (i.e. from the date of application).
    2. For annual payment policy
      This policy is subject to the payment of the annual premium in advance. All premium paid will at all times be subject to the Premium Refund Rules upon the termination of HomeSurance except where HomeSurance is cancelled within 30 days of the receipt of the policy (i.e. from the date of application), where a full refund will be made.
  8. Privacy and Security Statement
    Once you submit an online application of this HomeSurance, you shall be deemed to have read, understood and agreed to the Privacy and Security Statement. If you have not already read this Statement, please do so by clicking here.

Please refer to Policy Wording for full detailed terms and conditions. For more information or to make a claim, please call Insurance Service Hotline on (852) 2867 8678.

HospitalSurance

Declaration for HospitalSurance

I, on behalf of each of myself, my spouse and my child/children (if any), hereby declare as follows:

  1.  (Insured)/We (Insured, insured spouse and insured child/children) hereby apply for HospitalSurance within the Hong Kong Special Administrative Region and declare that the statements and particulars given in this application are to the best of my/our knowledge and belief, true and complete, and that this application will form the basis of my/our contract with AXA General Insurance Hong Kong Limited.
  2. I/We further declare that:
    1. I/We have not had, during the last four years, any illness, injury, ailment or condition requiring in-patient treatment or consultation with a specialist.
    2. I/We do not have any foreseeable need for treatment or consultation with any medical practitioner.
    3. I am, and the insured spouse (if any) is, under 60 years of age and the insured child/children is/are between six months and 21 years old inclusive or is a/are a full-time student(s) at a school, college or university under 23 years of age.
    4. I am/We are residents of the Hong Kong Special Administrative Region.
    5. I/We have never been denied personal accident or medical or hospital cash insurance.
    6. I/We do not have any in-force HospitalSurance or Refundable HospitalSurance policy with AXA General Insurance Hong Kong Limited, and have not had any HospitalSurance policy cancelled during the last six months.
  3. I/We acknowledge that benefits are not payable under the HospitalSurance scheme for treatment arising from any existing illnesses, injuries or other conditions.
  4. I/We have read and understood the Personal Information Collection StatementTerms and Conditions and the Policy Wording of this HospitalSurance and agree to be bound by the same.

I/We have never been denied personal accident or medical or hospital cash insurance

I/We acknowledge that benefits are not payable under the HospitalSurance scheme for treatment arising from any existing illnesses, injuries or other conditions.

I/We acknowledge that benefits are not payable under the HospitalSurance scheme for treatment arising from any existing illnesses, injuries or other conditions.

Terms and Conditions for HospitalSurance

  1. Eligibility (age limits)
    Applicant's family members are:
    1. legally married spouse under 60 years of age
    2. all legally dependent unmarried children, including step children and legally adopted children, who are between six months and 21 years (inclusive) of age or full-time students at a school, college or university under 23 years of age
  2. Benefits Payable
    1. Spouse:
      100% of the insured benefits
    2. Children:
      50% of the insured benefits
      Note: Benefit for hospitalisation in mainland China is subject to 50% of the specified limit.
  3. Premium Payment Method
    Premiums may be paid by direct debit to a designated credit card account.
  4. Renewal Agreement
    HospitalSurance will be renewed upon payment of premium when due, otherwise it will be cancelled automatically.
  5. Refund of Premium
    1. For monthly payment policy
      This policy is subject to minimum payment of two months' premium in advance which is not refundable upon termination unless the policy is cancelled within 30 days of the receipt of the policy (i.e. from the date of application).
    2. For annual payment policy
      This policy is subject to the payment of the annual premium in advance. All premium paid will at all times be subject to the Premium Refund Rules upon the termination of HospitalSurance except where HospitalSurance is cancelled within 30 days of the receipt of the policy (i.e. from the date of application), where a full refund will be made
  6. Privacy and Security Statement
    Once you submit an online application for HospitalSurance, you shall be deemed to have read, understood and agreed to the Privacy and Security Statement. If you have not already read the Privacy and Security Statement, please do so by clicking 
    here.

Please refer to the Policy Wording for full policy terms and conditions. For further information, please call Insurance Service Hotline on (852) 2867 8678

TravelSurance

Declaration for TravelSurance

  1. I hereby declare that I have been duly authorised by each of the persons covered under this application (together, the "Insured Persons" and each an "Insured Person"), including parent or legal guardian of the child (ren) mentioned in this application, to apply for TravelSurance and to make the following declarations for and on his/her/their behalf. I also hereby declare that each of the Insured Persons including parent or legal guardian of the child (ren) mentioned in this application has agreed to the information under this application including under these Declarations, and that it is a condition precedent to obtaining coverage for each such person that such Insured Person including parent or legal guardian of the child(ren) mentioned in this application has agreed to all such information. (This declaration is not applicable to an applicant applying for his/her own insurance only.)
  2. I, and on behalf of each of the Insured Person(s), including parent or legal guardian of the child(ren) mentioned in this application, hereby apply for TravelSurance within the Hong Kong Special Administrative Region, deemed and accepted to constitute separate insurance in respect of each such Insured Person, declare that the statements and particulars given in this application are to the best of the knowledge and belief of each of the Insured Person(s), including parent or legal guardian of the child(ren) mentioned in this application, true and complete and that this application will form the basis of the contract of insurance underwritten by AXA General Insurance Hong Kong Limited(“AXA”) covering each Insured Person(s). I/Each of the Insured Person(s) including parent or legal guardian of the child(ren) mentioned in this application, understand(s) and agree(s) that no insurance will be effected until the application is approved and premium and levy are received by AXA.
  3. I, and on behalf of the Insured Person(s), including parent or legal guardian of the child(ren) mentioned in this application, confirm that (i) all adult(s) Insured Person(s) are aged 18 or above (ii) all children Insured Person(s) are under 18 years old; and (iii) all persons described in (i) and (ii) above are either residents of the Hong Kong Special Administrative Region or that they hold valid passports and have never been denied for application of travel insurance.
  4. I, and on behalf of the Insured Person(s), including parent or legal guardian of the child(ren) mentioned in this application form, hereby acknowledge and warrant that: I will not/None of the Insured Person(s) will be travelling contrary to the advice of any medical practitioner or travelling in order to receive medical treatment. I do not know/None of the Insured Person(s), including parent or legal guardian of the child(ren) mentioned in this application form, knows of any condition, cause or circumstance existing that may necessitate the cancellation or curtailment of the planned trip.
  5. I, and on behalf of the Insured Person(s) including parent or legal guardian of the child(ren) mentioned in the application form, hereby declare that I/We do not have any address or residence in Japan.
  6. I, and on behalf of the Insured Person(s) including parent or legal guardian of the child(ren) mentioned in the application form, hereby acknowledge that AXA may contact me for the purpose of this application.

I and each of the Insured Persons have read and understood the Personal Information Collection Statement, Terms and Conditions (see below section) and the Policy Wording of this TravelSurance and agree to be bound by the same.

Terms and Conditions for TravelSurance

  1. All trips under TravelSurance have to be originated from the Hong Kong SAR only.
  2. Period of Insurance
    1. For Single Trip TravelSurance, duration of the period should not be longer than 366 days.
    2. For MultiTrip TravelSurance, the coverage will cease 100 days from the beginning of each trip.
  3. Eligibility (age limits)
    1. No age limit for both Single Trip and MultiTrip TravelSurance applications. MultiTrip TravelSurance is lifetime renewable.
    2. Adult means person aged 18 or above during the period of insurance.
    3. Child means person aged under 18 during the period of insurance.
  4. Premium Payment Method 
    1. Premiums may only be paid by debiting from designated HSBC credit card account or HSBC bank account. 
    2. For MultiTrip TravelSurance policy, it will be renewed automatically with required premiums to be debited from the designated HSBC credit card account or HSBC bank account on an annual basis.
  5. Extension of Period of Insurance 
    To extend the period of insurance (applicable only to Single Trip TravelSurance) after the policy is issued, please call (852) 2867 8678 (during office hours) 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.
  6. Application for the China Medical Card 
    Only applicable for online application: if any of the Insured Persons under the application requires any coverage by the China Medical Card, all other Insured Persons (if any) under same application will be assumed to apply for such cards. If it is not your intended arrangement to have all Insured Persons to apply for the China Medical Card, please call 2867 8678 or visit our branches for alternative arrangement.
  7. Cancellation
    1. Single Trip TravelSurance
      For any termination of the policy prior to the commencement of the scheduled trip upon issuance of any Travel Alert for the planned destination under a SingleTrip TravelSurance policy, the Applicant may give notice in writing to the Company to terminate the Policy for the full refund of the premiums paid provided that no claim has been paid/is payable under the policy. Under any other circumstances, no refund of premium is allowed once the application has been accepted.
    2. Single Trip TravelSurance
      The policy may be cancelled at any time by the Applicant (not the Policyholder) on seven days’ notice and (provided no claim has arisen during the current Period of Insurance on or before the date of cancellation) the Applicant shall be entitled to a pro-rata return of premium for the period the Policy is not in force provided that a minimum of 50% of the annual premium must be paid by the Applicant and We shall not be required to return such minimum amount. 
    3. China Medical Card
      Once the application is approved, the China Medical Card option may be cancelled by giving notice in writing to us during the period of insurance or by canceling the MultiTrip TravelSurance policy. Such cancellation shall be effective upon the notice being received by us or on the cancellation date of the MultiTrip TravelSurance policy. No refund of premium will be made once the insurance is effective.

Please refer to the Policy Wording for detailed terms and conditions. For more information, please call Insurance Service Hotline on (852) 2867 8678.

Motor Insurance

Declaration for Motor Insurance 

I (who is the proposed policyholder), on behalf of myself and each of the named driver (if any), hereby apply for Motor Insurance within the Hong Kong Special Administrative Region and declare that the statements and particulars given in this application are to the best of my/our knowledge and belief, true and complete, and that this application will form the basis of my/our contract with AXA General Insurance Hong Kong Limited. 

I/We declare and agree that:

  1. I and / or each named driver(s) have not been convicted for any careless driving, dangerous driving, drunk driving, drug driving or penalized with driving license  suspension in the past 3 years.
  2. I and / or each named driver(s) have not accumulated over 12 driving-offence points cumulatively in respect of any traffic offences committed in the past 24 months.
  3. I and / or each named driver(s) have been holding valid driving license for 2 years or more.
  4. I and / or each named driver(s) do not have any motor policy being terminated or refused for quotation by another insurer in the past.
  5. My car is not used for tuition purpose, rental, leasing, hire and reward, or as a courtesy car.
  6. My car has not been modified from the manufacturer's standard specifications.
  7. My car is not used for rallies, competitions, trials, or motor sport.
  8. All information and answers to all questions, whether or not input by me, are true and complete in every respect.
  9. I understand that the liability of AXA General Insurance Hong Kong Limited ("AXA") does not commence until this application has been accepted by AXA and payment of the premium is made to AXA.
  10. I confirm that I am not acting on behalf of any other person for this application unless otherwise expressly indicated in this application.
  11. All information, answers to all questions and declaration, together with this application, shall form the basis and become a part of the policy.
  12. I do not have any address or residence in Japan.
  13. I must be the holder of credit card used to make payment for this application, and the credit card must be with HSBC.
  14. I will provide the Vehicle Registration Number to AXA within 14 days of the Issuance of Certificate of Insurance if the Vehicle Registration Number is not available at the time of issuance.

 

Terms and Conditions for Motor Insurance 

  1. Premium Payment Method
    Premiums must be paid by a designated HSBC credit card account.
  2. The successful applicant (the Policyholder) must provide the Vehicle Registration Number of the insured car to AXA within 14 days of the Issuance of Certificate of Insurance if it is not available at the time of issuance.
  3. The Policyholder and the HSBC credit card cardholder of the premium payment must be the same person.
  4. Basis of Coverage
    Under all circumstances, indemnity to the insured car shall be based on reasonable Market Value at the time of loss or damage. Market Value means the cost of replacing the insured car with one of the same make and model, of similar condition, specification and age as prevailing immediately before the accident.
  5. The successful applicant (the Policyholder) and all insured driver(s) must comply with all statutory obligations and take all reasonable steps to prevent loss, damage or injury; and maintain the insured car in efficient condition and good repair.
  6. The successful applicant (the Policyholder) must advise AXA of any change on the insured driver(s) or insured car, or any circumstance which would increase the possibility of loss or damage. Premiums may be adjusted by AXA accordingly.
  7. Policy Renewal
    About 1 month before the policy expires, the successful applicant (the Policyholder) will receive a renewal invitation from AXA by email. Policyholder has to confirm the renewal via this email and pay the renewal premium by HSBC credit card before the policy expires to ensure continuous coverage.
  8. Policy Cancellation
    AXA may cancel the Policy by giving seven days' notice by email to the Policyholder at his/her last known email address or by registered letter to the policyholder at his/her last known address.
    The successful applicant (the Policyholder) may cancel the Policy at any time by giving seven days' notice to AXA provided no claim has arisen during the current Period of Insurance, and the Current Certificate of Insurance has been returned to AXA on or before the date of cancellation
    The successful applicant (the Policyholder) shall be entitled to a pro-rata refund of premium for the period the Policy is not in force subject to a minimum non refundable premium of amount HKD500 (not including M.I.B. surcharge) for policy cancellation. 
  9. Privacy and Security Statement
    Once you submit an online application of Motor Insurance, you shall be deemed to have read, understood and agreed to the above declarations and also the Privacy and Security Statement. If you have not already read this Statement, please do so by clicking here.
  10. Please refer to Policy Wording for full detailed terms and conditions. For more information, please call Insurance Service Hotline on (852) 2867 8678.