Working Holiday Protection Insurance

Plan Highlights

• Up to HK$1,000,000 for hospitalisation, surgical expenses and follow-up medical expenses within 90 days after returning to Hong Kong, including Chinese bone-setting and acupuncture
• Covers expenses for overseas outpatient visits
• Covers personal accident up to HK$500,000, including major burns benefit
• Covers personal liability up to HK$2,000,000
• Covers all leisure trips to other countries outside the working holiday destination during the working holiday period
• 24-hour Worldwide Emergency Aid services including unlimited coverage for emergency evacuation and repatriation to Hong Kong (such expenses will not be deducted from the benefit amount under the Medical Expenses Benefit)
• Travel interruption benefit covering trip cancellation, curtailment of trip and travel delay
• No deductibles for all benefits

Table of Accidental Death and Permanent Disablement

Premium Table (HK$)

Major Exclusions

Any claims, costs, or expenses in relation to or arising out of the following will not be payable:

1. War (whether declared or not), invasion, act of foreign enemies, civil war, rebellion, revolution, riot, civil commotion, military or usurped power.
2. Performing duties as a member of armed forces, or other law enforcing agencies.
3. Any wilful, malicious, unlawful, or deliberate act of the insured person or his/her immediate family member.
4. Nuclear fission, nuclear fusion, or radioactive contamination.
5. Any pre-existing, congenital or hereditary conditions, suicide, attempted suicide or intentional self-inflicted bodily injuries, mental or nervous disorders, abortion, miscarriage, pregnancy, assigned complications, child-birth, the use of alcohol or drugs other than those prescribed by a physician, dental treatment unless resulting from injury to sound and natural teeth, venereal and sexually transmitted diseases, HIV and/or any HIV related illness including AIDS or AIDS-related complex.
6. Losses not reported to the relevant authorities (e.g. airlines, travel agents, police, etc.) within 24 hours upon discovery of such loss and failure to provide a report certified by such authorities.
7. Personal liabilities arising from use or operation of vehicles, aircraft, watercraft, or weapons.
8. Accidents whilst engaging in any sport or game in a professional capacity where the insured person 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.
9. Accidents whilst engaging in offshore activities including commercial diving, oil rigging, mining, handling of explosives, site working, stunt works, aerial photography or accidents whilst the insured person is being employed as a diver, jockey, reporter, armed guard or working in a casino, disco, construction site or night club.
10. 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.
11. Any activities in the air unless the insured person is (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 licensed person 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.

Important Notes

1. The insured person must be a Hong Kong resident aged over 18 who intends to apply or has applied for a working holiday visa pursuant to the Working Holiday Scheme between Hong Kong and the participating countries.
2. The journey must commence from Hong Kong. Insured person can apply for this plan at most 120 days preceding the commencement date of the period of insurance of the policy.
3. The policy cannot be extended or renewed.
4. In the absence of a valid visa issued under the Working Holiday Scheme to the insured person, no coverage will be provided by Blue Cross.
5. The policy may be cancelled at any time by the policyholder by giving no less than 7 days' prior written notice to Blue Cross. The policyholder shall be entitled to a refund of 30% of the actual premium paid upon cancellation of 1-year coverage of policy, provided that (i) no claim has been made under the policy and (ii) the remaining period of insurance of the policy is longer than 6 months. If the policyholder requests to terminate the policy because the working holiday visa application is rejected, he/she is entitled to a refund of premium, subject to an administration fee of HK$300, by giving no less than 7 days' prior written notice before the commencement of the period of insurance and satisfactory proof to Blue Cross.
6. If the insured person is covered under more than one policy underwritten by Blue Cross for the same journey (except for free travel insurance provided by travel agent), only the one with the greatest compensation will apply and benefits thereunder be payable.
7. To designate a beneficiary, please complete the beneficiary designation form. The form can be obtained from Blue Cross or downloaded here. Insured person should return the completed form to Blue Cross before departure.
8. Blue Cross reserves the right to adjust the applicable premium table from time to time.

Claim Procedure

1. Complete and return the claim form to Blue Cross within 30 days after the occurrence of the event unless otherwise specified in the policy terms and conditions.
2. Submit satisfactory proof and complete supporting documentation such as a copy of the working holiday visa, reports from hospitals, physicians, police, airlines, or other responsible authorities together with the claim form.
3. Claim forms can be obtained from Blue Cross or downloaded here.
4. You can also submit your claim via the Smart eClaims online platform of Blue Cross.