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 member or travel companion.
- Nuclear fission, nuclear fusion, or radioactive contamination.
- Any pre-existing conditions, including but not limited to congenital or hereditary conditions, suicide, attempted suicide or intentional self-inflicted injuries, 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 of baggage, travel documents or personal money 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 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.
- Accidents to the insured person whilst engaging in any kind of manual labour work whether for business or leisure, hazardous offshore activities including commercial diving, oil rigging, mining, handling of explosives, site working, stunt works and aerial photography.
- 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 loss due to medical or physical conditions or other circumstances affecting the insured person or his immediate family member, travel companion, close business partner, foreign domestic helper or pet (if applicable) which (a) has existed before the policy application date and (b) has presented signs or symptoms of which the insured person is or should reasonably have been aware of.
- Any activity or involvement of the insured person in the air unless the insured person 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).
- Any loss directly or indirectly arising from any government’s regulations, control or any circumstances leading to the relevant delay, cancellation or interruption of the journey which is existed or announced before the policy application date.Please refer to policy provision for the full list of exclusions.
Claim Procedure
1. Within 30 days from the expiry of the period of insurance, you can submit your claims to Blue Cross via the following channels:
✔ Returning the claim form to Blue Cross
✔ 24/7 Smart eClaims online platform at Blue Cross HK App or Blue Cross website - It only takes 3 simple steps (Input, Upload and Confirm) to complete your submission. The claim payment will be settled via autopay.
2. Claim forms can be obtained from Blue Cross or downloaded here.
3. Please submit your claims together with required documents (such as reports from hospitals, physicians, police, airlines, or other responsible authorities (if applicable)) and other satisfactory proofs and complete supporting information.
4. For claims 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.
5. Please refer to the terms and conditions stated under the claims provisions in the policy provision for details.
Important Notes
- All journeys must depart from the place of origin. The maximum coverage period per journey is 180 days.
- The policy is non-cancellable, and no premium refund will be made once the policy is issued.
- 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 the 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.
- The policy is only valid for journeys taken for the sole purpose of leisure travel or business travel (limited to administrative and clerical works only) in their entirety.
- To designate a beneficiary, please complete the beneficiary designation form. The form can be obtained from Blue Cross or downloaded at BEA website. The insured person should return the completed form to Blue Cross before departure.
- Blue Cross reserves the right to adjust the premium table applicable 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.
