Coverage Items Coverage (Max. in HK$)
    Standard Deluxe
Medical Expenses*
Covers medical expenses resulting from illness or accident happens during your travels. 600,000 1,000,000
Covers medical expenses reasonable incurred within 90 days upon return to Hong Kong resulting from illness
contracted or accident happened during the journey including medical treatment and consulation (other than fractures) by registered or listed Chinese medicine practitioner but subject to the maximum of HK$150 per visit per day and aggregate limit of HK$3,000 (this coverage amount is already included in the limit of Medical Expenses).		 100,000 100,000
Overseas Hospital Cash Allowance
Pays cash allowance if the insured person is confined in a hospital anywhere overseas due to injury or sickness during the journey. 5,000
($300 per day)		 8,000
($300 per day)
Emergency Medical Evacuation and/or Repatriation
Pays the necessary expenses incurred to evacuate the insured person to the nearest hospital or clinic with adequate medical facility and/or repatriate the insured person back to Hong Kong for continued treatment. These services are organized by International SOS Assistance. Fully Covered Fully Covered
Repatriation of Mortal Remains
Pays the necessary expenses incurred to repatriate the mortal remains of the insured person in the event of death due to accident or sickness (excluding the cost of coffin). This service is organized by International SOS Assistance. Fully Covered Fully Covered
Accidental Death and Permanent Disablement*
Covers death or permanent total disablement resulting from an accident. 600,000 1,000,000
Doubles the benefit amount for an accident death or permanent total disablement occuring while traveling as a fare-paying passenger in common carrier.# 1,200,000 2,000,000

Major burns
Pays a compensation to the insured person suffering from a second to third degree burns with burnt area as defined in the policy (this coverage amount is already included in the limit of Accidental Death and Permanent Disablement).

150,000 300,000
Compassionate Death Cash#
Pays a cash relief for the death due to sudden sickness originated during the journey. 10,000 20,000
Deposits or Cancellation Charges
Reimbursement for the irrecoverable loss of travel expenses paid in advance upon the cancellation of the journey due to sudden death, serious injury or sickness of the insured person, the insured person's spouse or immediate family member, or the sudden death of the insured person's business partner, or the insured person is being unexpectedly called up for jury service or due to the normal residence being seriously damaged in bad weather. 25,000 30,000
Curtailment Expenses
Reimbursement for the irrecoverable loss of expenses incurred as a result of the journey being shortened and the insured person must return directly to Hong Kong due to serious injury or sickness of the insured person, or sudden death or serious injury or sickness of the insured person's spouse or immediate family member, or the sudden death of the insured person's business partner. 25,000 30,000
Trip Re-route
Pays for the additional transportation expenses if the scheduled flight suffers serious delay for more than 48 consecutive hours and the insured person has to re-route the flight to catch up with another scheduled flight. 15,000 25,000
Baggage and Personal Effects
Covers the cost of lost or damaged baggage or personal belongings. 10,000 20,000
Personal Money#
Pays for irrecoverable loss of money and fraudulent use of your traveler's cheque while traveling overseas. 2,000 3,000
Document Loss
Pays the replacement costs for the loss of Hong Kong Identification Card, China Re-entry Card, passport, credit card, driving licence or travel ticket during the journey, and any additional transportation and hotel expenses necessarily incurred in replacing the essential lost travel documents that prevents the insured person to complete the scheduled journey. 5,000 10,000
Baggage Delay
Covers the cost of emergency purchases of clothing or toiletries if the insured person's baggage is misdirected for 10 consecutive hours or more.


3,000
($750 for each 10 hours delay)


5,000
($1,250 for each 10 hours delay)
Travel Delay
Pays for each full 10 hours if the scheduled power-driven aircraft or sea vessel is delayed due to bad weather, mechanical fault or even strike at least 10 consecutive hours or more. 5,000
($500 for each 10 hours delay)		 10,000
($1,000 for each 10 hours delay)
Personal Liability
Covers your legal liability for accidental injury to another person or damage to another's property. 2,000,000 3,000,000
Aircraft Hijack
Daily cash for up to 10 days if your aircraft is hijacked for over 12 consecutive hours. 10,000
($1,000 per day)		 20,000
($2,000 per day)
Loss of Home Contents
The loss of or damage to the contents or personal effects of the Insured Person's normally residing home as a result of burglary accompanied by forcible and
violent entry to or exit from the premises whilst the home is unoccupied during the period of insurance.		 10,000 20,000
Credit Card Protection#
Pays for the unsettled credit card purchases during the journey and charges incurred in the event of the insured person suffering from death due to accident abroad 30,000 50,000
Emegency Cash
Pays compensation to the insured person if he/she has to stay behind necessarily due to loss of or damage to essential travel documents that prevents he/she to complete the scheduled journey, and provided that a police report is obtained within 24 hours.


5,000
($500 per day)


10,000
($500 per day)
   
* For insured person aged below 16, the maximum limit shall be 50% of the original plan selected.
# Not Applicable to insured person aged below 16.

  This Travel Insurance policy also provides coverage for one-way journey.

Main Exclusions :
1. Any consequence of war, asbestos, internet operations, riot and civil commotion, nuclear fission or fusion and radioactive contamination.
2. Terrorism involving the use or release or the threat thereof any nuclear weapon or device or chemical or biological agent.
3. Intentional self-inflicted injury or suicide.
4. Pregnancy, childbirth, miscarriage, abortion and all complications in connection therewith.
5. Any prohibition or regulations by any government, any illegal or unlawful act by you or confiscation, detention, destruction by customs or other authorities.
6. Any consequence of big game hunting, motorcycling, riding or driving in any kind of race, professional sporting games, engaging in flying aerial flight as a crew member.
7. Pre-existing conditions for which the Insured Person had received medical treatment, diagnosis, consultation or prescribed drugs preceding the trip.
8. Nervous or mental disease or disorder, AIDS or AIDS Related Complex (ARC) venereal disease, congenital anomalies or deformities.
9. The Insured Person engaging in naval, military or air force service, or in any form of manual employment.
10. The Insured Person being in any violation of the laws or resistance to arrest.
11. Alcoholism or drug abuse.
Important Notes :
1. The insured person must be fit to travel at the time of effecting this insurance and not be aware of any circumstances which could lead to cancellation or disruption of the journey, otherwise any claim could be prejudiced.
2. The Policy shall be interpreted in accordance with the law and jurisdiction of Hong Kong.
3. The insurance cover for single travel shall be non-renewable and non-cancellable, and the premium shall not be refunded once the Policy is issued.
4. The insured person can be covered under one travel policy for the same journey.
5. "One Way Journey Cover" means coverage for insured person not returning to Hong Kong. Coverage shall expire 5 days after the scheduled time of arrival at the country of final destination or upon expiry of the original period of insurance, whichever is earlier.
6. The insurance cover will be automatically extended without extra charge for maximum 10 days if the insured person is unavoidably delayed during the scheduled journey.
7. All non-professional sports including scuba diving, bungee jumping, skiing, rafting, hanggliding, parachuting, trekking, mountaineering or rock climbing, water sports, and the likes are covered without extra premium.
8. The maximum period for each journey is 90 days. No limitation on total number of journeys for annual policy.
9. The insured person must be:
a) Hong Kong permanent resident; and
b) The insured person must embark on his/her journey from his/her place of residence in Hong Kong to the intended destination; and
c) Aged up to 75 years old. For age between 16 to 18 years cannot be covered under the Deluxe Plan;
if aged below 16 years old, he/she must be accompanied by a parent or guardian during the
journey and insured under 'Individual & Children' or 'Family' plan.
10. In no-event do the services guaranteed by SOS entitle the insured person to reimbursement unless such services are provided by and through SOS.
11. Loss of baggage & personal effects or personal money must be reported to the local police within 24 hours and a police report obtained.
12. Immediate notice shall be given to QBE-HKSI of any occurrence likely to give rise to a claim under the policy upon the insured person return to Hong Kong. All original invoices and receipts shall be submitted together with the duly completed claim form within 30 days.
The above is not a contract of insurance and is intended only as a general summary of the terms of insurance. The specific details, terms and conditions applicable to this insurance are set out in the Travel Insurance Policy to be issued by QBE Hongkong & Shanghai Insurance Limited.