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Travel Insurance Coverage

Premiums

Major Exclusions

China Medical Card

e-Policy servicing

Travel Insurance Coverage

Benefits Area 1 Area 2
Cover limits per insured person (HK$) 17 to 85 years inclusive7 Six months to 16 years inclusive 17 to 85 years inclusive7 Six months to 16 years inclusive
a Personal accident2
Accidental death 600,000 120,000 1,000,000 200,000
Loss of two eyes, two limbs or one eye and one limb 600,000 120,000 1,000,000 200,000
Loss of one eye or one limb 300,000 60,000 500,000 100,000
Death or permanent total disablement caused by accident in a common carrier or private car 1,200,000 240,000 2,000,000 400,000
Permanent total disablement caused by other accidents 600,000 120,000 1,000,000 200,000
b Credit card protection
  • Covers credit card outstanding balance payable by the insured person regarding items and sundries charged to such card while outside the Hong Kong SAR during a trip in the event of accidental death of an insured person outside the Hong Kong SAR
  • Not applicable to insured person aged under 17 years
 5,000 - 5,000 -
c Medical and other expenses
(i) Medical expenses2
  • Follow up medical expenses incurred within 3 months after return to the Hong Kong SAR
  • Compassionate visit up to HK$60,000
 600,000 600,0003 1,000,000 1,000,0003
(ii) Repatriation of remains
  • Covers the cost for burial or cremation abroad; or the cost of transport of body or ashes to place of initial departure.
 100,000 100,000
(iii) Return of children
  • Covers additional accommodation and travelling expenses for returning insured person's unattended child(ren) aged 16 or below back to the Hong Kong SAR in the event of insured person's accidental bodily injury or sickness resulting in hospital confinement.
 60,000 - 60,000 -
(iv) Funeral expenses 100,000 100,000
d Emergency medical evacuation
  • Covers expenses for evacuation as a result of an accidental bodily injury or sickness commencing during a trip.
 2,000,000 2,000,0003 2,000,000 2,000,0003
e Hospital cash benefit6
  • Cash benefit for admission to a hospital abroad as an in-patient due to accidental bodily injury or sickness sustained abroad during a trip.
 6,000 (500/day, max. 12 days) 6,000 (500/day, max. 12 days)
f Baggage and personal effects4
(Including golf equipment, cameras and video recorders)
  • Indemnifies for loss or damage to baggage and personal effects during a trip.
 20,000 (max. 3,000/item) 5,000 (max. 1,500/item) 20,000 (max. 3,000/item) 5,000 (max. 1,500/item)
g Delayed baggage (at least 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.
 2,000 2,000
h Personal money4
  • Pays for accidental loss of cash or travellers' cheques.
 3,000 1,5005 3,000 1,5005
i Loss of travel documents4
  • Pays for replacement cost of accidental loss of travel documents.
 5,000 5,000
j Personal liability4
  • Indemnifies against legal liability for accidental bodily injury to a third party or property damage belonging to a third party.
 2,000,000 2,000,000
k Travel delay (at least 6 hours)
  • Pays for the delay in departure of the scheduled aircraft, sea vessel, or train for at least 6 hours due to strike or industrial action, hijack, adverse weather conditions, mechanical breakdown, structural defect of that aircraft, sea vessel of common carrier
 2,500(250 per first 6 hours & each subsequent 12 hours) 2,500(250 per first 6 hours & each subsequent 12 hours)
l Loss of deposit or cancellation4
  • Reimburses irrecoverable payments or deposits of tour or travel or accommodation on cancellation of a trip due to:
    1. death, serious bodily injury or serious illness of the insured person, a travelling companion, insured person's family members or close business associates
    2. witness summons, jury service or compulsory quarantine of the insured person
    3. unexpected outbreak of riot or civil commotion or strike at the planned destination
    4. serious damage of insured person's principal residence from fire, flood or natural disaster within one week from the departure date
    5. issuance of Black Alert for the planned destination
 50,000 50,000
m Curtailment of trip4
  • Reimburses unused irrecoverable prepaid costs of trip and additional hotel and repatriation costs to the Hong Kong SAR due to necessary and unavoidable curtailment of a trip resulting from:
    1. death, serious bodily injury or serious illness of the insured person, a travelling companion, insured person's family members or close business associates
    2. riot or civil commotion or hijack occurring outside the Hong Kong SAR which first occurs during the trip;
    3. issuance of Black Alert for the destination during the trip.
 50,000 50,000
n Golfing 'Hole in one'
  • Pays for each time when the adult insured person achieves a 'Hole in One' whilst playing golf at any recognised golf course outside the Hong Kong SAR.
 3,000 (2,000/occurrence) - 3,000 (2,000/occurrence) -
o China Medical Card (Optional for MultiTrip TravelSurance only)6
  • Provides hospital admission deposit guarantee to the designated hospital for admission as an in-patient due to accidental bodily injury or sickness whilst travelling in mainland China
 Hospital admission deposit guarantee
Additional benefit
Emergency assistance service

2 The coverage of 'Personal accident' and 'Medical expenses' for an insured person between the age of 76 and 85 years is limited to 30% of the sum insured. For an insured child, 'Personal accident' benefit is limited to 20% of the sum insured. The follow up medical expenses include Chinese medicine, bonesetting and acupuncture fees (HK$100 per visit per day up to HK$1,000).
3 In total amount for all insured children.
4 These items are subject to a HK$200 excess per claim (including third party property claim for personal liability) with the exception for baggage and personal effects (HK$300).
5 For an insured child who is not travelling with parents, and has paid an adult premium
6 No benefit is payable for hospitalisation relating to pre-existing condition.
7 Insured person must be aged between 6 months and 85 years inclusive for Single Trip TravelSurance application. Insured person must be aged between 6 months and 75 years inclusive for MultiTrip TravelSurance application. MultiTrip TravelSurance is renewable up to the age of 85 years inclusive.

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Premiums*

Coverage Period (days) Self Only/
Spouse Only/
Child Only/
Each friend or relative
(HK$) 		Self & Spouse
(HK$) 		Self & Children^/
Spouse & Children^
(HK$) 		Self, Spouse & Children^^
(HK$)
Area 1 Area 2 Area 1 Area 2 Area 1 Area 2 Area 1 Area 2
1 92 194 174 367 149 312 222 464
2 92 194 174 367 149 312 222 464
3 92 194 174 367 149 312 222 464
4 116 231 217 437 186 371 277 551
5 134 257 255 490 217 415 322 618
6 155 272 293 516 250 438 372 652
7 176 277 332 525 284 446 422 662
8 193 289 366 550 310 466 462 694
9 212 311 404 592 342 502 509 747
10 245 332 464 629 396 534 589 794
11 257 346 487 657 416 557 618 828
12 269 360 510 685 436 580 647 862
13 281 374 533 713 456 603 676 896
14 293 388 556 741 476 626 705 930
15 305 402 579 769 496 649 734 964
16 317 416 602 797 516 672 763 998
17 329 430 625 825 536 695 792 1,032
18 341 444 648 853 556 718 821 1,066
19 353 458 671 881 576 741 850 1,100
20 365 472 694 909 596 764 879 1,134
21 377 486 717 937 616 787 908 1,168
22 389 500 740 965 636 810 937 1,202
23 401 514 763 993 656 833 966 1,236
24 413 528 786 1,021 676 856 995 1,270
25 425 542 809 1,049 696 879 1,024 1,304
26 437 556 832 1,077 716 902 1,053 1,338
27 449 570 855 1,105 736 925 1,082 1,372
28 461 584 878 1,133 756 948 1,111 1,406
29 473 598 901 1,161 776 971 1,140 1,440
30 485 612 924 1,189 796 994 1,169 1,474
From the 31st day
(per day) 		15/day 21/day 30/day 40/day 25/day 34/day 37/day 51/day
MultiTrip#
(per annum)** 		1,198 1,892 2,012 3,148 1,818 2,826 2,572 4,082

* The above premiums will be effective from 9 December 2008 onwards.

** Annual premium of the China Medical Card is not included.

# The premiums of MultiTrip TravelSurance are not guaranteed to remain unchanged and HSBC Insurance (Asia) Limited reserves the right to vary the premiums of the policy.

^ 'Children' refers to any dependent unmarried child, including any stepchild and legally adopted child of the insured, who are aged between 6 months to 16 years (inclusive).

^^ 'Self, Spouse & Children' means immediate family and is limited to the insured, his/her spouse and their children. A spearate policy is required for children aged 17 years and above.

Note (Only applicable to TravelSurance (Single Trip)):

  1. For extension period of insurance after the policy is issued, please call HSBC Insurance Service Hotline on (852) 2583 8000 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.
  2. Once the application is approved, the premium will not be refundable unless you cancel the policy upon issuance of a travel alert for the planned destination by the Government of HKSAR.


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Major Exclusions

  • War and related perils
  • Suicide, self-inflicted injury, pregnancy, childbirth, insanity, alcoholism, venereal disease, AIDS, drug-taking
  • Engaging in:
    - professional sports or racing other than on foot
    - deep-water diving (40 metres or deeper)
    - motor rallies
    - sports or activities in return for remuneration
    - aviation other than as a fare-paying passenger
  • Illegal acts
  • Property more specifically insured
  • Act of nuclear, chemical, biological terrorism

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China Medical Card*

If you travel to mainland China frequently, you can enjoy even more protection with the China Medical Card option under your annual MultiTrip policy. Simply present your China Medical Card with your ID document at hospital admission reception and you can receive in-patient medical treatment at over 200 designated hospitals in mainland China without the need to pay any deposit in advance! And the annual premium is only HK$300 per card. Travellers who hold China Entry Visas, which may not contain the holders' English names, should provide their Chinese names to be printed on the China Medical Cards. Please click here to obtain the Chinese Name Notification Form.

* The hospital list is applicable for China Medical Card being enrolled on or after 1 Dec 2007 only. If you already enrolled the China Medical Card before the above-mentioned date, please call HSBC Insurance Service Hotline on (852) 2583 8000 for checking the related hospital list.

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e-Policy servicing


For MultiTrip Travel Insurance, you can now manage your insurance policies with ease using our e-Policy Servicing by simply logging on to HSBC Personal Internet Banking. This service provides you with 24-hour online access to your insurance policy details and allows you to submit policy service requests without hassle. e-Policy Servicing gives you more convenience to:

Review your policy details

  • Allows you to check your policy details
  • Review your claims history

Change premium payment instructions

  • Allows you to change your premium payment account or payment method

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NB: The above information is intended as a general summary. Please refer to the Policy Wording for exact terms and conditions and details of the exclusions.

TravelSurance is underwritten by HSBC Insurance (Asia) Limited which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hong Kong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Insurance (Asia) Limited.

TravelSurance, offered by HSBC Insurance (Asia) Limited, is only available for subscription by residents of the Hong Kong SAR.

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