TRAVELSMILES - Personal - Product

COVERAGE

Coverage

Maximum Limit per insured per journey (HKD)

Plan

Standard
Comprehensive
Supreme

Age Limit

Unlimited

(1) Medical Cover#

1.1 Medical expenses

Aged 75 or below

$ 500,000
$1,000,000
$1,500,000

Aged over 75

$250,000
$500,000
$1,500,000

Sub-limit:

Follow-up - for injury

100%

Follow-up - for illness

10%

Follow-up -Chinese medicine or chiropractic treatment

$3,000

1.2 Overseas Hospital Daily Cash Benefit

Not Applicable
$300 per day / $3,000 per journey
$500 per day / $5,000 per journey

1.3 Compulsory Quarantine Cash
Allowance due to Infectious Disease

Not Applicable
$300 per day / $3,000 per journey
$500 per day / $5,000 per journey

1.4 Compassionate Death Cash

Not Applicable
$10,000
$15,000

1.5 Compulsory Quarantine Cash Allowance due to COVID-19

Not Applicable
Included
Included

(2) Worldwide Emergency Assistance

2.1 Emergency Medical Evacuation

$1,000,000

2.2 Repatriation after Treatment

$1,000,000

2.3 Guarantee of Hospital Admission

US$7,000

2.4 Accommodation for Convalescence

$1,500 per day /$10,500 per journey

2.5 Compassionate Visit

One economy class roundtrip travel ticket and hotel accommodation up to $1,500 per day (max. 7 days)

2.6 Return of Unattended Children

One economy class one-way travel ticket

2.7 Repatriation of Mortal Remains

$100,000

2.8 Referral Services

Included

(3) Accident Cover

3.1 Personal Accident

(a) Accident on Public Common Carrier or During Terrorism

Aged 75 or below

$500,000
$1,000,000
$1,500,000

Aged over 75

$200,000
$400,000
$1,500,000

(b) Other Accidents

Aged 75 or below

$400,000
$800,000
$1,000,000

Aged over 75

$200,000
$400,000
$1,000,000

3.2 Third Degree Burns

Not Applicable
$200,000
$500,000

(4) Personal Property

4.1 Personal Effects and Baggage

$5,000
$15,000
$20,000

per set/item /pair

$3,000

Mobile Phone (one per Insured Journey)

Not Applicable
$3,000
$3,000

All Cameras and Camcorders and related accessories and Equipment

$3,000
$5,000
$5,000

Lap-top Computer

Not Applicable
$10,000
$10,000

4.2 Replacement Cost for Loss of Travel Document or Transport
Ticket

Not Applicable
$2,000
$3,000

4.3 Loss of Personal Money

Not Applicable
$2,000
$3,000

(5) Delay

5.1 Travel Delay

(a) Travel Delay Cast Benefit (HKD 300 for every 6 hours)

$600
$1,200
$1,500

(b) Accommodation Cost (over 6 hours)

Not Applicable
$1,000
$2,000

Not Applicable
$2,500
$5,000

5.2 Baggage Delay (over 6 hours)

Not Applicable
$500
$800

5.3 On-Schedule Commitment Cash Allowance

Not Applicable
Not Applicable
$300

(6) Trip Cancellation#

6.1 Cancellation of Trip

$5,000
$20,000
$40,000

(7) Trip Interruption#

7.1 Trip Curtailment

$5,000
$20,000
$40,000

7.2 Trip Re-arrangement

$5,000
$20,000
$40,000

(8) Golf Protection

8.1 Golf Baggage

Not Applicable
$5,000
$5,000

8.2 Rental of Golf Equipment

Not Applicable
$5,000
$5,000

8.3 Forfeiture of Green Fees

Not Applicable
$3,000
$3,000

(9) Personal Liability

Personal Liability

$1,000,000
$2,000,000
$2,500,000

(10) Rental of Vehicle Excess

Rental of Vehicle Excess

Not Applicable
$10,000
$15,000

# COVID-19 coverage extension

Important Notes

1. The applicant and traveler(s) must be a Hong Kong citizen or resident.

2. For single trip cover, the maximum insured trip duration shall not exceed 180 days.

3. For insured journey which is not departing from Hong Kong, the travel arrangements must be made and paid in Hong Kong.

4. You should read the Policy Wording before proceeding to apply for this insurance plan

5. The above information is only an illustration and does not constitute any part of the insurance contract.

6.The Policy is non-refundable and non-cancelable after it is issued.

Age Limit

Unlimited , accompanied children refers to insured person aged under 18 years old and the benefits is 50% of an insured adult plan.

Major Exclusions

War invasion, act of foreign enemy, hostilities, civil war, rebellion, insurrection, revolution, usurped power, military force or coup, or action taken by government authorities in hindering, combating or defending against such an occurrence (including Terrorism).

*The coverage features above are indicative only.
*Please refer to full policy documents for detailed terms & conditions, exclusions, benefit table and premium in Quote Now.

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