Blog Single
Travel Insurance
One-stop travel protection · Global emergency assistance · Coverage for amateur sports
Comprehensive Travel Insurance｜Cover for Business & Leisure Trips: Medical, Accident, Belongings, Trip Delay/Cancellation, Lost Baggage & Personal Liability
Highlights
Six Core Safeguards
From flight delays to overseas emergency medical care, get a complete safety net for your trip.
Global Emergency Medical Assistance
Up to HK$1,500,000 for medical costs (COVID‑19 included in some plans). 24-hour emergency medical evacuation and body repatriation services are provided.
Trip Delay / Trip Cancellation
Covers losses arising from flight delay, cancellation or trip curtailment. Extended cover is available subject to travel advisory alerts.
Baggage and personal belongings
Covers baggage delay, loss or damage, including valuable items such as laptops and golfing equipment.
Amateur Sports Protection
Covers amateur and leisure sports including skiing, scuba diving and skydiving, allowing you to participate with peace of mind.
Single-use / Annual Plan
Up to 180 days per trip; up to 90 days per trip under the annual plan—the best choice for frequent business travelers.
Terrorism and Accident Cover
Protection against terrorist incidents, personal accidents and personal liability. Safeguard your trip from all angles.
Product Features
- No age limit
- No deductible
- Terrorist Attack Coverage
- Unlimited emergency medical evacuation and repatriation of remains
- Amateur sports support (diving, skiing, skydiving, etc.)
- Coverage for burglary losses at home while away from Hong Kong
- Annual plan: maximum duration of 90 days per trip.
- Family Insurance Discount
- Express Claims Service
- Extended coverage for travel advisories
- Follow-up consultation fees after returning to Hong Kong (including *dit-da*/bone-setting and Traditional Chinese Medicine)
- Asset Protection for Laptops and Golf Equipment
- Maximum duration of 180 days per trip (up to 184 days in some cases)
- Some plans include a complimentary China medical card.
Main Exclusions
Key Exclusions
- Any pre-existing illness or injury, pregnancy, or childbirth.
- Any journey that goes against the doctor's advice
- A journey undertaken for the purpose of healing
- Participate in professional sports
- Engage in any manual labor or hazardous work.
- Accidents caused by alcohol abuse, drug abuse, or mental derangement.
- Incidents resulting from suicide, attempted suicide, or self-harm
- Accidents caused by war or civil unrest
The above is a summary; for details, please refer to the policy terms and conditions of the respective insurance companies.
Online Instant Enrollment
Partner Insurance Companies
We partner with numerous renowned insurance companies to compare the most suitable personal accident insurance plans for you.
Claims Guide
Claims Guide
Should any incident occur that could give rise to a claim, please notify our Claims Department immediately; we will assist you throughout the entire claims process.
Instant Notifications
In the event of any incident that could give rise to a claim, please immediately contact our Claims Department by telephone, providing your policy number, policyholder's name, and contact telephone number; alternatively, you may notify us via email. A delay in notification may result in the insurance company refusing to process the claim.
Prepare documents
Please complete the claim application form. Claims for medical expenses must be accompanied by original receipts specifying the date of consultation or hospitalization, diagnosis, and the attending physician's name and signature. Claims for income protection require a medical certificate (sick leave note) and proof of income, while claims for hospital cash allowances require a certificate of hospitalization.
Submit a claim
In the event of death, a death certificate, medical reports, and a police investigation report (plus an autopsy report, if necessary) must be submitted; for permanent total disability, a disability assessment report is required. The insurance company may request additional information and will issue the claim payment in accordance with the policy terms.
The Claims Department will contact you immediately.
Please note that a delay in notification may result in the insurance company refusing to process your claim in accordance with the terms of the policy.