GBA TravelChill Insurance

Limitless possibilities abound in the Greater Bay Area! Whether you are visiting the Greater Bay Area for business, leisure, entertainment, travel, studying or simply visiting friends or relatives, GBA TravelChill Insurance brings you seamless protection including medical expenses, personal accident coverage, 24-hour worldwide emergency aid and many more, offering you complete peace of mind every step of the way!


Plan Highlights

• 3 plan types for selection: 1-month plan, 3-month plan and annual plan, with no limit on the maximum number of journeys⁺ during the period, offering flexibility for travellers to GBA, whether it is a well-planned trip or last-minute vacation
• With premium as low as HK$1.9^# per day, the plan has no deductible
• Medical Expenses Benefit up to HK$200,000, covering daily room and board expenses up to HK$3,000, in addition to follow-up medical expenses within 90 days after returning to Hong Kong
• Hospital Deposit Guarantee up to HK$40,000, enabling immediate access to medical treatment in times of emergency
• 24-hour Worldwide Emergency Aid imposes no limit on the benefit amount of emergency evacuation and repatriation to Hong Kong
• Personal Accident Benefit up to HK$300,000
• Personal Liability Benefit up to HK$100,000
• Major Burns Benefit up to HK$30,000
• Food Poisoning Hospital Cash Allowance  of HK$500 per day
• Family Package^{^} covers 1 or 2 adults travelling with children, a flat rate applies regardless of family size

⁺ Journey shall mean the trip taken outside Hong Kong for travelling within the Guangdong-Hong Kong-Macao Greater Bay Area by an insured person. For details, please refer to Items 1 and 2 under Important Notes.
^# Calculation is based on the discounted premium (20% off) payable for 1-year coverage under the Individual Package
^{^} Include the applicant and/or spouse and all unmarried children below age 18. 

[ Policy Terms & Conditions]

Starting from 1 January 2018, the amount of levy payable to the Insurance Authority on the premium of this policy would be paid by Blue Cross (Asia-Pacific) Insurance Limited on your behalf and would be remitted in accordance with the prescribed arrangements. For further information about the levy imposed by the Insurance Authority, please click here


Important Notes

1. All journeys must depart from Hong Kong.

2. This plan only covers journeys made to Guangdong-Hong Kong-Macao Greater Bay Area (not including Hong Kong). 

3. For policy cancellation,
   1-Month Plan and 3-Month Plan
   The policy is non-cancellable, and no premium refund will be made once the policy is issued.
   Annual Plan
   The policyholder may cancel the policy at any time by giving no less than 7 days’ prior written notice to Blue Cross. Provided that no claim has been made during the period of insurance, the policyholder shall be entitled to a partial refund of premium equivalent to the actual premium paid for that period of insurance less the premium to be charged as calculated at the Blue Cross’s short period rates for the period of insurance has been in force.

4. If the insured person is covered under more than one travel insurance policy underwritten by Blue Cross for the same journey, except for 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. In addition, benefits under the complimentary insurance provided by the travel agent will also be payable.

5. The policy is valid for the sole 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.

Major Exclusions

1. Any pre-existing conditions, including but not limited to congenital or hereditary conditions. If Blue Cross alleges that by reason of this exclusion any loss is not covered by this policy, the burden of proving the contrary shall be upon the insured person or any other person claiming to be indemnified.
2. 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.
3. Any wilful, malicious, unlawful, or deliberate act of the insured person or his/her immediate family members or travel companion.
4. Nuclear fission, nuclear fusion, or radioactive contamination.
5. Suicide, attempted suicide or intentional self-inflicted bodily injuries of the insured person, mental or nervous disorders, abortion, miscarriage, pregnancy and other complications arising therefrom, 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.
6. Losses not reported to the police within 24 hours or as soon as practicable upon discovery of such loss and failure to provide Police Report.
7. Personal liabilities arising from ownership, possession, hire, use or operation of vehicles, aircraft, watercraft, or weapons.
8. 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.
9. Trekking at an altitude limit greater than 5,000 metres above sea level or diving to a depth greater than 45 metres below sea level.
10. 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).
11. 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 any part of the journey which is planned for the purpose of receiving medical or surgical treatment; or expenses incurred for any treatment or service which is not medically necessary; or any expenses related to treatment or services undertaken without the recommendation of a Physician, or routine physical examinations, or health check-ups not incidental to the treatment or diagnosis of a suspected injury or sickness sustained during the journey.
12. 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 by the insured person or his representatives before any assistance is provided or payment of hospital deposits is guaranteed.
13. Personal Accident Benefit - any loss caused by an injury which is a consequence of any kind of sickness.
14. 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.
15. Personal Liability Benefit - in respect of loss of or damage to properties belonging to or in the care, custody or control of any insured person.
16. Food Poisoning Hospital Cash Allowance - any (i) hospital confinement related to travel taken contrary to the advice of a medical practitioner or (ii) where the journey is for the purpose of receiving medical or surgical treatment; if the confinement period is less than a continuous period of 24 hours.

Claim Procedure

• Within 30 days after the occurrence of the event giving rise to a claim, customers can submit their claim by returning the claim form with the required documents, such as reports from hospitals, physicians, police, airlines, or other responsible authorities (if applicable) and other satisfactory proofs and complete supporting information to Blue Cross, or simply file their claims through the 24/7 Smart eClaims online platform at Blue Cross HK App or Blue Cross website with 3 simple steps (Input, Upload and Confirm). The online service greatly shortens the claim processing time so that the claim payment will be settled faster via autopay.
• For claim under Personal Liability Benefit, written notice of the event giving rise to the legal liability must be given to Blue Cross immediately together with required documents.

For details of the claims conditions, please refer to the terms and conditions of the relevant insurance policy.

Notes

• This brochure is for distribution in Hong Kong only. The distribution of this brochure is not and shall not be construed as an offer to sell or a solicitation to buy or a provision of any insurance product outside Hong Kong. Should there be any discrepancy between the English and the Chinese versions of this brochure, the English version shall apply and prevail. This brochure is for reference only. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions.
• GBA TravelChill Insurance is underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.
• Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.

Blue Cross Customer Service Hotline 2839 6377