TRAVELSMILES

Enjoy a worry-free vacation trip with our TRAVELSMILES.

The comprehensive coverage of this plan will allow you to leave your worries behind.

High amount medical cover

Cover the medical expenses arising from sickness or accident during the trip & follow-up treatment expenses. 

No Age Limit

Single Trip Cover has no age limit.
Well-covered for insured of all ages.

24/7 Worldwide Assistance

Provides 24-hour Worldwide Emergency Assistance Service to help you solve unexpected events during your journey.

COVERAGE
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
(c) Cancellation of Trip due to Travel Delay (over 12 hours)
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
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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