GBA Travel Protection Insurance

Plan Highlights

• Covered area: Guangdong-Hong Kong-Macao Greater Bay Area¹
• Medical Expenses Benefit up to HK$150,000 and Follow-up Medical Expenses within 90 days after returning to Hong Kong
• 24-hour Worldwide Emergency Aid services, including unlimited coverage for emergency evacuation and repatriation to Hong Kong
• Personal Accident Benefit up to HK$200,000, covering various types of permanent disablement
• Coverage for Major Burns Benefit and Loss of Travel Documents Benefit
• Options of period of insurance: 1 day, 2 days, and 3 days; no upper limit for issue age
• Coverage for Personal Liability Benefit up to HK$100,000
• Simple online enrolment: policy issued instantly with email and SMS confirmation
• No deductibles for all benefits

Plan Information

Major Exclusions

1. War (whether declared or not), invasion, act of foreign enemies, civil war, rebellion, revolution, riot, civil commotion, military or usurped power, performing duties as a member of armed forces, or other law enforcing agencies.
2. Any wilful, malicious, unlawful, or deliberate act of the insured person or his/her immediate family members or travel companion.
3. Nuclear fission, nuclear fusion, or radioactive contamination.
4. Any pre-existing, congenital or hereditary conditions, suicide, attempted suicide or intentional self-inflicted bodily injuries of the insured person, mental or nervous disorders, abortion, miscarriage, pregnancy, assigned complications, child-birth, venereal and sexually transmitted diseases, the use of alcohol or drugs other than those prescribed by a physician; dental treatment unless resulting from injury to sound and natural teeth; Human Immunodeficiency Virus (HIV) and/or any HIV related illness including Acquired Immune Deficiency Syndrome (AIDS), etc.
5. Accidents to an insured person whilst engaging in any sport or game in a professional capacity where he/she would or could earn income or remuneration from engaging in such sport or game or racing of any kind (other than on foot) or any competition.
6. Trekking at an altitude limit greater than 5,000 metres above sea level or diving to a depth greater than 30 metres below sea level.
7. Any activity or involvement of the insured person in the air unless he/she is at the relevant time (i) travelling as a fare paying passenger in a licensed aircraft operated by a recognised airline, or (ii) participating in such activity where the maneuver or navigation of such activity is managed and controlled by another person who is adequately licensed for guiding such activity and the provider of such activity must be authorised by the relevant local authority (excluding any activities involving power driven flying machines).

Please refer to policy provision for the full list of exclusions.

Major Exclusions Applicable to Specific Benefit

Medical Expenses Benefit

Any medical expenses incurred 180 days after the date on which the injury or sickness is sustained or contracted; or any medical expenses related to travel taken contrary to the advice of a medical practitioner or where the journey is for the purpose of receiving medical or surgical treatment.

24-hour Worldwide Emergency Aid

Any expenses incurred after 180 days of the date on which the serious bodily injury or serious sickness is sustained or contracted; or any benefits if Blue Cross’ prior approval has not been obtained (if required) by the insured person or his representatives before any assistance is provided or payment of hospital deposits is guaranteed.

Personal Accident Benefit

Any loss caused by an injury which is a consequence of any kind of sickness.

Loss of Travel Documents Benefit

Any loss contributed to by the insured person leaving the travel document or travel pass unattended in a public place; or any loss of the travel document or travel pass arising from the confiscation by a government authority, customs official or police.

Personal Liability Benefit

Any liability, loss or claim, where the insured person or his authorised representative has admitted liability or entered into any agreement or settlement without notifying and obtaining the prior written consent of Blue Cross; or in respect of loss of or damage to properties belonging to or in the care, custody or control of any insured person.

Please refer to the policy provision for the full list of exclusions.

Sanctions Limitation and Exclusion Clause

Blue Cross shall not be deemed to provide cover (including not to pay any claim or provide any benefit), when the provision of such cover would expose Blue Cross to any, or any risk of, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom, United States of America or any jurisdiction applicable to Blue Cross.

Important Notes

1. All journeys must depart from Hong Kong.
2. The Plan only covers travel to Guangdong-Hong Kong-Macao Greater Bay Area (not including Hong Kong). For part of or whole journey travelling to the destinations other than Greater Bay Area, please apply for other single-trip travel insurance plans available from Blue Cross, however the premium, coverage and policy terms and conditions would be different.
3. Application of the Plan is acceptable from 120 days before departure. The policy is non-cancellable, and no premium refund will be made once the policy is issued.
4. If the insured person is covered under more than one travel insurance policy underwritten by Blue Cross providing coverage in respect of the same journey, including any complimentary insurance provided by the travel agent, the liability of Blue Cross in respect of that insured person for the same journey is limited to the maximum benefits payable under one of the policies which provides the highest amount of benefit. Benefits under the complimentary insurance provided by the travel agent will also be payable (if any).
5. This policy is valid for the purpose of leisure travel or business travel (limited to administrative and clerical works only).
6. Blue Cross reserves the right to adjust the premium table applicable from time to time.
7. To designate a beneficiary, please complete the beneficiary designation form. The form can be obtained from Blue Cross or downloaded from here. The insured person should return the completed form to Blue Cross before departure.

Claim Procedure

1. Within 30 days after the occurrence of any event, customers can submit their claims to Blue Cross by returning claim forms together with the required documents, such as reports from hospitals, physicians, police, or other responsible authorities (if applicable) as well as other satisfactory proof and complete supporting information.
2. For the claims under Section 6 - Personal Liability, written immediate notice of the event giving rise to the legal liability on the part of the insured person together with required supporting documents must be given to Blue Cross.
3. Claim form can be obtained from Blue Cross or downloaded from here.
4. You can also submit your claim via the Smart eClaims online platform of Blue Cross.

Appendix 1: Table of Personal Accident Benefit

The aggregate benefit payable for the above insured events during the period of insurance shall not exceed 100% of the benefit amount of Personal Accident Benefit for each insured person.