Major Exclusions
- 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 the armed forces or other law enforcing agencies.
- Any wilful, malicious, unlawful, or deliberate act.
- Nuclear fission, nuclear fusion, or radioactive contamination.
- Any pre-existing conditions, suicide, self-inflicted injuries, childbirth, miscarriage, dental treatment (except as necessitated by accidental injuries to sound and natural teeth), mental or nervous disorders, the use of alcohol or drugs other than those prescribed by a physician, venereal diseases, and AIDS or AIDS-related complex.
- Any professional sports or games where an insured person would or could earn income or remuneration from engaging in such sport or game, racing of any kind, or competition.
- Losses not reported within 24 hours to the relevant authorities (e.g. airlines, travel agents, police, etc.) and failure to provide the report certified by such authorities.
- Personal liabilities arising from use or operation of vehicles, aircraft, watercraft, or weapons.
- Flying other than as a fare-paying passenger in a licensed aircraft.
Please refer to policy provision for the full list of exclusions.Claim Procedure
- Complete and return the claim form to Blue Cross (Asia-Pacific) Insurance Limited within 30 days after the occurrence of any event.
- Submit satisfactory proof and complete supporting documentation such as reports from hospitals, physicians, police, airlines, or other responsible authorities together with the claim form.
- Claim forms can be obtained from Blue Cross (Asia-Pacific) Insurance Limited or downloaded here.
- You can also submit your claim via the Smart eClaims online platform of Blue Cross.
Important Notes
- The maximum duration per journey is 90 days for Worldwide Plan A and Plan B, and 60 days for the China Plan. The journey must depart from Hong Kong SAR.
- The policyholder may cancel the policy provided that no claim has been made. In this event, the policyholder will be entitled to a partial refund of the premium paid, following a deduction according to the Short Period Rate and subject to a minimum premium charge of HK$500 per policy.
- Prior approval from Blue Cross (Asia-Pacific) Insurance Limited is required before 24-hour Worldwide Emergency Aid is provided, including the Hospital Deposit Guarantee.
- If the China Medical Card is lost, the insured person should inform Blue Cross (Asia-Pacific) Insurance Limited within 48 hours by phone at 2839 6377 and follow up with a written notice as confirmation. A card replacement fee of HK$50 will apply.
- An insured person can only be covered under one certificate of insurance/policy for the same insured journey (except for free insurance provided by a travel agent). If the insured person is covered under more than one certificate of insurance/policy underwritten by Blue Cross (Asia-Pacific) Insurance Limited for the same journey, the liability of Blue Cross (Asia-Pacific) Insurance Limited in respect of any one insured person for the same journey is limited to the maximum benefits payable under one certificate of insurance/policy.
- Blue Cross (Asia-Pacific) Insurance Limited may at its sole discretion accept or decline renewal applications for insured persons aged above 70.
- This policy is valid for the purpose of leisure travel or business travel (limited to administrative and non-manual work only).
- Blue Cross (Asia-Pacific) Insurance Limited reserves the right to adjust the premium table from time to time.
Blue Cross Customer Service Hotline 2839 6377
This webpage is for reference only. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions. Should there be any discrepancy between the English and the Chinese versions of this material, the English version shall apply and prevail. All insurance product information available on this website is not and shall not be construed as an offer to sell or a provision of insurance products to any person in any jurisdiction outside Hong Kong or a solicitation to such person to buy insurance products.
The insurance plan is underwritten by Blue Cross (Asia-Pacific) Insurance Limited (“Blue Cross”), a subsidiary of AIA Group Limited. The Bank of East Asia, Limited (“BEA”) is an appointed insurance agency of Blue Cross. The insurance plan is a product of Blue Cross but not BEA. All benefits payable under the insurance plan are subject to the credit risk of Blue Cross.
In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BEA and the customer out of the selling process or processing of the related transaction, BEA is required to enter into a Financial Dispute Resolution Scheme process with the customer.
BEA’s sales staff (including direct sales staff and authorised agents) are remunerated not only based on their financial performance, but also according to a range of other factors, including their adherence to best practices and their dedication to serving customers’ interests.
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.
