TRAVELSMILES - ANNUAL - Personal - Product

COVERAGE

Coverage

Max. Compensation per Insured person per Insured journey (HKD)

Plan

Standard
Comprehensive
Supreme

(1) Medical Cover#

1.1 Medical expenses

$ 500,000
$1,000,000
$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

(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) Personal Accident

3.1 Personal Accident

(a) Accident on Public Common Carrier or During Terrorism

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

(b) Other Accidents

$400,000
$800,000
$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 (HK$ 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#

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

(7) Trip Interruption#

7.1 Trip Curtailment
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

The applicant and the insured person(s) must be the citizen(s) or resident(s) of the Hong Kong.
The insured person(s) during the Insured Journey do/does not work as a crew member or an operator of air carrier, tour guide or escort, artist or singer or perform any other excluded duties specified in the Policy Wording.
The Policy is solely for leisure travel or business travel (limited to administrative and clerical works only).
The maximum travel period of each Insured Journey is 90 days while there is no limit on the number of Insured Journey during a policy year.
Hong Kong must be the departure city and the final destination of each Insured Journey.

Age Limit

1. Adult : 18 to 70 years old
(Max. renewal age is 75 years old, subject to individual consideration)

2. Accompanied Child : Below 18 years old
Benefits: 50% of the selected 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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