| Schedule of Benefits | Maximum Limit (HK$) | |
|---|
Worldwide
Plan A | Worldwide
Plan B | China
Plan |
|---|
| Medical Coverage |
|---|
| 1.Medical Expenses1 |
1,000,000 |
500,000 |
300,000 |
Expenses for qualified medical treatment, surgery, and hospitalisation arising from sickness or accidental injury.
(Hospital room & board benefit is limited to HK$3,000 per day) |
| •Follow-up Medical Expenses in Hong Kong |
100,000 |
50,000 |
30,000 |
a.Medical expenses reasonably incurred within 90 days after returning to Hong Kong provided that medical treatment has first been sought overseas. (Inclusive of sub-limit for item b) |
| |
3,000 |
3,000 |
2,000 |
b.Chinese bone-setting and acupuncture treatment expenses arising from accidental injury.
(Maximum benefit up to HK$200 per visit per day) |
| •Trauma Counselling |
20,000 |
20,000 |
20,000 |
Medical expenses reasonably incurred in the event that the insured person is diagnosed as suffering from a post-traumatic stress disorder by a physician as a direct result of serious accident or incident during the journey and requires counselling service. (Maximum benefit up to HK$2,000 per visit per day) |
| Overseas Hospital or Quarantine Cash Allowance |
|---|
| 2.Overseas Hospital Cash Allowance |
10,000 |
5,000 |
2,000 |
For each complete day of hospital confinement during the journey, a daily hospital cash allowance of HK$500 for Worldwide Plan and HK$250 for China Plan will be payable. |
| •Compulsory Quarantine Cash Allowance |
10,000 |
10,000 |
10,000 |
For each complete day of compulsory quarantine due to infection with an infectious disease during the journey or within 7 days upon return to Hong Kong, a daily cash allowance of HK$500 will be payable. |
| Worldwide Emergency Aid |
|---|
| 3.24-hour Worldwide Emergency Aid |
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| •Emergency Evacuation |
Unlimited |
Unlimited |
Unlimited |
Evacuation of the insured person to the nearest medical facility capable of providing adequate medical care. |
| •Repatriation |
Unlimited |
Unlimited |
Unlimited |
Repatriation of the insured person to the place of origin at physician's recommendation. |
| •Hospital Deposits Guarantee |
40,000 |
40,000 |
40,000 |
Guaranteed payment of the required hospital admittance fees on behalf of the insured person. |
| •Additional Travel and Accommodation Costs(including Caring Visit) |
50,000 |
20,000 |
20,000 |
-Travelling expenses of the insured person to return to the place of origin and the additional accommodation costs incurred by the insured person due to his/her serious medical condition. |
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-If the insured person is hospitalised for more than 3 days or has died abroad, additional accommodation and travelling expenses are payable for: |
| |
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a.up to 2 immediate family members to join the insured person; or |
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b.one immediate family member and one travel companion to join or accompany the insured person. |
| •Return of Insured Children |
40,000 |
20,000 |
20,000 |
Reasonable additional accommodation and travelling expenses to return the insured person’s dependent children below the age of 18 to the place of origin. |
| •Repatriation of Mortal Remains |
Unlimited |
Unlimited |
Unlimited |
Repatriation of mortal remains of the insured person to the place of origin. |
| •Compassionate Death |
20,000 |
10,000 |
10,000 |
Indemnity provided to the legal estate of the insured person in the event of death of the insured person as a result of serious bodily injury or serious sickness. |
| •Referral Services |
Included |
Included |
Included |
Enquiry and referral services including legal assistance, interpreter, replacement of lost travel document or travel ticket, etc. |
| Accident Coverage |
|---|
| 4.Personal Accident2 |
1,000,000 |
500,000 |
300,000 |
In the event of the death or permanent disablement of the insured person as a result of an accident (including an act of terrorism), basic benefits (insured event nos. 1 to 2.7) are payable according to the Insured Events for Personal Accident (Appendix 1). |
| 5.Major Burns |
300,000 |
100,000 |
100,000 |
Third-degree burns with a burnt area equal to or greater than 5% of the insured person’s head or 10% of the insured person's total body surface area. |
| Travel Interruption Coverage |
|---|
| 6.Cancellation Charges3 |
30,000 |
10,000 |
5,000 |
Irrecoverable prepaid tour costs, airfares, and admission fees for major sports events, musicals, concerts, museums, and theme parks in the event of: |
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-death, serious bodily injury, or serious sickness of the insured person, his/her immediate family members, close business partner, or travel companion; or |
| |
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-natural disaster, unanticipated outbreak of epidemic disease or industrial action involving public conveyance, act of terrorism, riot or civil commotion at the planned destination within 1 week before the scheduled departure date; or |
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-fire or flood damage to the insured person's home in Hong Kong within 10 days before the scheduled departure date. |
| 7.Curtailment of Trip |
50,000 |
25,000 |
5,000 |
Unused portion of the prepaid travel fare and accommodation deposit, and admission fees for major sports events, musicals, concerts, museums, and theme parks, and the additional public conveyance expenses incurred for the insured person to return to the place of origin as a direct result of: |
| |
|
|
|
-death, serious bodily injury, or serious sickness of the insured person, his/her immediate family members, close business partner, or travel companion; hijack; adverse weather conditions, natural disaster, unanticipated outbreak of epidemic disease or industrial action involving public conveyance, act of terrorism, riot or civil commotion at the planned destination that prevents the insured person from continuing the journey. |
| 8.Travel Delay |
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In the event of delay of scheduled public conveyance due to adverse weather conditions, natural disaster, unanticipated riot or civil commotion, act of terrorism, industrial action, hijack, mechanical breakdown of public conveyance, or closure of airport, any one of the following benefits may be payable: |
| |
1,000 |
500 |
250 |
-cash allowance of HK$250 for each and every completed 6 consecutive hours of delay; or |
| |
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|
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-additional travel expenses: |
| |
10,000 |
2,500 |
Not applicable |
a.public conveyance expenses; |
| |
3,000 |
2,000 |
1,000 |
b.overseas accommodation cost; or |
| |
3,000 |
3,000 |
1,000 |
-cancellation charges due to travel delay of departure from Hong Kong for at least 10 consecutive hours. |
| •Special Allowance - Airline Wind-up |
2,000 |
1,000 |
500 |
Additional expenses for alternative travel ticket(s) purchased due to bankruptcy or wind-up of airlines. |
| 9.Baggage Delay |
1,000 |
500 |
500 |
Allowance in the event of deprivation of baggage for at least 6 hours from the time of arrival at destination abroad due to delay or misdirection in delivery by a public conveyance. |
| Personal Property Coverage |
|---|
| 10.Baggage |
20,000 |
10,000 |
5,000 |
Loss, physical breakage, or damage resulting from theft, robbery, burglary, accident, or mishandling by carriers of the insured person's baggage or property.(excluding money and mobile phones). |
| |
5,000 |
3,000 |
3,000 |
Sports equipment: maximum limit per article/pair/set of articles |
| |
3,000 |
2,000 |
2,000 |
Other baggage: maximum limit per article/pair/set of articles |
| |
10,000 |
5,000 |
5,000 |
Portable computers (maximum limit) |
| |
3,000 |
2,000 |
2,000 |
Business samples (maximum limit) |
| 11.Loss of Travel Documents |
30,000 |
10,000 |
3,000 |
Reasonable costs incurred for obtaining replacements of travel documents and tickets, and additional transportation and accommodation expenses incurred to obtain such replacements, arising from theft, robbery, burglary, or accidental loss. |
| |
2,000 |
1,000 |
500 |
(Maximum limit for travel expenses and accommodation per day) |
| 12.Personal Money4 |
3,000 |
2,000 |
1,000 |
Loss of banknotes, cash, or traveller’s cheques due to theft, robbery, or burglary. |
| 13.Loss of Home Contents |
25,000 |
5,000 |
3,000 |
Cost of replacing or repairing household contents and personal effects of the insured person's unoccupied home in Hong Kong due to burglary during the journey. |
| |
5,000 |
2,000 |
1,000 |
(Maximum limit per article/pair/set of articles) |
| Other Coverage |
|---|
| 14.Personal Liability |
1,500,000 |
1,000,000 |
500,000 |
Indemnity against insured person's legal liability to third parties in respect of accidental bodily injury or property damage due to negligence. |
| 15.Credit Card Protection |
30,000 |
15,000 |
5,000 |
In the event of accidental death of the insured person during the journey, reimbursement to estate of the insured person for any outstanding balance charged to the insured person's credit card(s) for any goods purchased during the journey. |
| 16.Golfer "Hole-in-One" |
3,000 |
1,000 |
500 |
One-off bar expenses payable in the event of the insured person achieving a "hole-in-one" at any recognised golf course. |
| 17.China Medical Card |
Included |
Included |
Included |
In the event of injury or sickness requiring hospitalisation in Mainland China, a China Medical Card admits entry to over 200 network hospital or medical units without paying any deposit. |
