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 armed forces, or other law enforcing agencies.
- Any wilful, malicious, unlawful, or deliberate act of the insured person or his/her immediate family members.
- Nuclear fission, nuclear fusion, or radioactive contamination.
- Any pre-existing, congenital or hereditary conditions, suicide, attempted suicide or intentional self-inflicted bodily injuries of the insured person (or his/her parent(s) or legal guardian under Education Fund Benefit), 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.
- 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.
- Personal liabilities arising from ownership, possession, hire, use or operation of vehicles, aircraft, watercraft, or weapons.
- Accidents to an insured person (or his/her parent(s) or legal guardian under Education Fund Benefit) 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.
- 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.
- Any activity or involvement of the insured person (or his/her parent(s) or legal guardian under Education Fund Benefit) 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 12 months 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 study trip which is planned for the purpose of receiving medical or surgical treatment.
Compassionate Visit Benefit
- any expenses incurred 180 days after the date of death of the insured person or his immediate family member (as the case may be) or the date on which the serious bodily injury or serious sickness is sustained or contracted by the insured person.
24-hour Worldwide Emergency Aid
- any expenses incurred 12 months after 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 deposits is guaranteed.
Personal Accident Benefit
- any loss caused by an injury which is a consequence of any kind of sickness.
Cancellation of Study Benefit
- any loss arising out of an act of terrorist; or any loss arising from the failure to notify the travel agent or provider of the transport or accommodation services immediately after cancellation of the study trip as a result of the events prescribed under this benefit.
Study Interruption Benefit
- any loss arising out of an act of terrorist; or any loss arising from the failure to give immediate notice to the travel agent or provider of the transport or accommodation services of the interruption of the study trip as a result of the events prescribed under this benefit.
Education Fund Benefit
- any loss caused by an injury which is a consequence of any kind of sickness; any overdue fees; or any accommodation fees (whether on or off campus), any off campus study tour (unless that study tour is compulsory for the insured person to pass the relevant course), amusement courses or consumables such as books, study materials and stationery.
Travel Delay Benefit
- any delay arising from an act of omission on the part of the insured person, including his failure to check in or arrive at the departure gate at the scheduled time suggested by the public conveyance provider or immigration clearance control point; or any delay the cause of which exists or is known to exist, or an announcement contemplating such cause of delay (such as information about the hoisting of any typhoon signal) has been made by the carrier, tour operator, the observatory or the authorities before the issue date of this policy.
Baggage Delay Benefit
- any delay which is caused by detention or confiscation by customs or other law enforcing officials.
Baggage and Personal Property Benefit
- loss or damage in consequence of delay, confiscation, detention or examination by customs authorities or other officials; loss of or damage to money, negotiable instruments, bonds or securities, deeds, credit cards, stored-value devices (such as Octopus cards and other prepaid electronic tickets) and other instruments of payment or documents of any kind, passports, visas, and transportation, accommodation or any other travel vouchers or coupons; loss of or damage to the following properties: pager, portable telecommunication equipment, computer equipment (excluding laptop computers), software and accessories, fragile or brittle articles of every description, china, glassware, porcelains, objects of art, set and unset precious or semiprecious gemstones or foodstuff, business merchandises or samples, motorcycles, bicycles and anyother conveyance, household furniture, jewellery and watches; or loss of or damage to any baggage and item that is left behind or unattended in a public conveyance or vehicle of any other kind or in a public place or as a result of the insured person’s failure to take due care and precautions for the safeguard and security of such baggage and item.
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 the insured person.
Credit Card Protection Benefit
- any interest accrued or financial charges on the outstanding balance.
Please refer to the policy provision for the full list of exclusions.
Claims Procedure
- Complete and return the claim form to Blue Cross within 30 days after the occurrence of the event giving rise to a claim unless otherwise specified in the policy terms and conditions.
- Submit satisfactory proof and complete supporting documentation such as a copy of the proof of current enrolment issued by the overseas educational institutions, reports from hospitals, physicians, police, airlines, or other responsible authorities together with the claim form.
- Claim form can be obtained from here.
- You can also submit your claim via the Smart eClaims online platform of Blue Cross.
Important Notes
- The insured person must be a Hong Kong resident aged between 7 and 35 who is studying or will be studying abroad as a full-time student. The applicant must be aged 18 or above and provide the country of overseas study of the insured person upon application.
- The insurance coverage shall commence when the insured person completes the immigration departure clearance procedure in Hong Kong for the purpose of commencing the study trip.
- If the application of the insured person’s student visa is rejected by the country in which the insured person intends to study, no coverage will be provided by Blue Cross. In this case, the policyholder may request to terminate the policy by (i) giving no less than 7 days’ prior written notice to Blue Cross before commencement of the period of insurance and (ii) submitting written proof of the visa application rejection issued by the relevant consulate. Upon satisfactory proof, the policyholder is entitled to a refund of premium from Blue Cross, subject to an administration fee of HK$300.
- The policy may be cancelled at any time by the policyholder by giving no less than 7 days’ prior written notice to Blue Cross. No refund of premium will be made for policy with period of insurance of 1 year. For policy with period of insurance of 2 years, the policyholder shall be entitled to a partial refund of the premium, equivalent to 20% of the actual premium paid, provided that (i) no claim has been made under the policy and (ii) the remaining period of insurance of the policy is more than 6 months.
- If the insured person is covered under more than one travel insurance policy or overseas study insurance policy underwritten by Blue Cross providing coverage in respect of the same study trip, except for any complimentary insurance provided by the travel agent, the liability of Blue Cross in respect of that insured person for the same study trip 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).
- Blue Cross reserves the right to adjust the premium table applicable from time to time.
- To designate a beneficiary, please complete the beneficiary designation form. The form can be obtained from here. The insured person should return the completed form to Blue Cross before departure.
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.
