group travel insurance hong kong

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Group Travel Insurance

Introduction.

CCW Global is able to provide businesses in Hong Kong and across Asia with comprehensive travel insurance options.

The Business Travel Insurance products we work with are provided by leading international insurance providers, and are able to be customized to meet the specific needs of your organization. From one-off trips to year round journeys, Group Travel Insurance plans are a straightforward and cost effective way to ensure your employees have the support they deserve should they encounter any difficulties while abroad.

Group Travel Insurance Coverage

Travel insurance is a simple way for you to provide your employees with a wealth of protection benefits when they are traveling for work.

From having flights delayed or cancelled, leading to missed bookings or meetings, through to sudden sicknesses which require evacuation to superior medical facilities, or even repatriation back to the employee’s home country, Group Travel Insurance products are designed to meet the needs of the modern business traveler.

CCW Global is able to provide businesses with options between Corporate Travel Products that offer only health protection, or more comprehensive coverage solutions that provide the full range of umbrella benefits related to travel risks.

Health Insurance

Emergency evacuation protection, personal accident insurance, personal liability protection, flight cancellation or delay, loss of baggage and personal items, flexible trip types, single trip group travel insurance.

Single trip Group Travel Insurance Coverage is designed for groups of 10 or more employees who are traveling together, in the same group, to the same destination. This type of protection can be useful in the event that you are scheduled to attend a conference or symposium, and a large number of employees will be traveling together to the same destination.

Under Single Trip travel insurance plans, both the outbound and inbound date of travel count as “travel dates” and must be declared to the insurer on application. 

The premium associated with single trip group travel insurance protection will be dependent on the duration of the travel, the number of employees traveling, and the level of coverage selected.

Annual Group Travel Insurance

Annual group travel insurance products offer businesses streamlined administration and the avoidance of having to purchase new coverage each time employees go overseas for work.

Under an Annual Group Travel Insurance policy, with more than 10 employees enrolled all workers under the policy would be able to receive continuous travel insurance protection throughout the course of a calendar year. While individual travel will be limited (generally up to 90 days of travel per year), the ability to take as many journeys as needed under that limit ensures that business travelers will always have the support of their travel insurance policy when they need it.

Annual Group Travel Insurance protection is normally more expensive than single-trip coverage, but means that the HR department no longer has to take out travel protection on a case-by-case basis.

Insurance Advice

Free group travel insurance quotes.

If you would like to obtain either a Single Trip or Annual Travel Insurance policy for your business, please complete the short quote form located here.

Alternatively, you may Contact Us , to speak directly with an expert Hong Kong insurance broker to learn more about our no-cost, no-obligation quotation process.

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Looking for comprehensive travel insurance for your employee benefits offering?

Look no further. With easy applications and renewals, tailorable cover, and rapid processing, we can help keep your employees smiling.

Our travel insurance is easy, fast, and painless - at every stage.

Policy Highlights

Fully comp cover.

Includes skiing and snowboarding, scuba diving, mountaineering, rock climbing, and other popular activities.

Rapid claims processing and payment

Avoid problematic, lengthy, stressful travel claims and delayed payments. Our process is fast and painless - even during peak travel seasons.

Option for 24/7 worldwide claims service

Some insurers offer 24/7 worldwide claims, allowing your staff can make a claim wherever they are, whatever happens.

Service Highlights

Choose convenience and peace-of-mind.

No complicated processes or tricky wording. Just comprehensive cover for your employees.

Expert brokers and dedicated claims service

There when you need us, every step of the way.  

Give your staff more, at no extra cost

WARNING RE COVID-19

Policies purchased after 20 Mar 2020 will not provide any cover for claims directly or indirectly arising from, relating to or in any way connected with COVID-19 (or any mutation or variation thereof or any related strain). We will not therefore cover claims relating to any inability to travel, any decision not to travel or any changes to travel plans, nor any medical or health related loss or expense incurred, as a result of COVID-19. Refer to the  FAQ  for more details.

Scheduled Maintenance: Please note that the application service will be temporarily unavailable from 17 March 2024, 03:00am to 09:00am (HKT).

• What is covered?
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• Overseas Student Protection
• Planning Your Travel
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Enjoy 30% off for premium.  

Overseas Student Protection test

Are you an overseas student looking for protection? We provide financial protection against ill-health and accident, but also against damage to property, personal liability and other unexpected losses.

Simple Online Claim

We try to process your claim as quick as we can. Please click below link to understand more about the claim procedure and required document or process online submission.

You may contact us via mail or telephone.

Chubb Insurance Hong Kong Limited

39/F, One Taikoo Place, 979 King's Road, Quarry Bay, Hong Kong

Chubb Travel Insurance Customer Service

Monday to Friday from 9:00 am to 5:30 pm (Closed on Saturday, Sunday and Public Holidays)

Tel: (852) 3191 6611

Fax: (852) 2519 3233

E-mail:  [email protected]

Chubb Worldwide Offices

For the mailing address, telephone number and email address of any Chubb office in our global network, use our office locator.

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*Collection of Levy on Insurance Premium: Insurance Authority (IA) has announced the collection of levy on insurance premium under the "Insurance Ordinance (Cap. 41)" with effect from 1 January 2018. All premium amounts displayed are inclusive of levy. For further information, please visit  www.ia.org.hk/en/levy .

© Chubb Insurance Hong Kong Limited. TravelEase Travel Insurance is underwritten by Chubb Insurance Hong Kong Limited. For full details of the Terms and Conditions of TravelEase Travel Insurance please refer to the  Single Trip Policy Wording  and  Annual Plan Policy Wording . Please read our  Privacy Policy  and  Terms of Use  for this website.

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Annual Travel Insurence

• Effective Date: Start Date

Please be advised that the military conflict between Russia and Ukraine may impact travel insurance coverages and benefits, and AIG Travel’s ability to provide certain travel-related assistance services, for travel to, from or within the affected areas.

AIG Annual TravelWise Insurance

Going on an unforgettable trip off your bucket list, travelling for business or looking for a short getaway?

Get protected by AIG TravelWise Annual Plan for both big and small trips. Annual travel insurance covers your medical costs should you have an accident or suffer illness while on holiday overseas, along with any losses arising from your trip being cancelled or your journey being delayed, as well as all other risks related to your travelling experience.

We have a self-owned worldwide emergency service team, AIG Travel Assistance, which can respond to your needs in the event of an emergency.

Save your time from insurance comparison, get protected for 365 days while you are busy conquering the world.

Flexible plans from HK$1,575 only*

• Travel delay - 5 hours from stated departure or arrival
• Baggage delay – up to HK$2000 maximum
• Baggage and personal effects
• Emergency medical expenses
• Personal accident - accident while in a common carrier up to HK$1.2M maximum
• Journey cancellation or interruption
• Loss of income benefits
• Compassionate visit

*The price is for reference only. You could get a  quote here  real time. #The above information is for reference only. For the full benefit table, please refer to our  TravelWise brochure  or click  Buy Now .

Click to Compare Plans & Benefits

Plan coverages.

*The above information is for reference only. For the full benefit table, please refer to our  TravelWise brochure  or click  Buy Now .

Single Trip vs Annual Trip

AIG’s annual travel insurance offers all-rounded coverage for frequent travellers for up to 1 year, covering emergency medical expenses as well as additional personal protection features.

Single Plan

• Premium as low as HK$40
• Provides protection for a single journey up to 182 days
• Has no nationality restrictions
• Insured traveller must depart from Hong Kong

Annual Plan

• Designed for frequent travellers
• Covers an unlimited number of journeys throughout the year (up to 90 days for each journey)
• Available for HK residents aged 17 to 70 only

How to Buy?

  1. Provide information

Enter details about the trip.

this is coundt: eric

  2. Select the preferred plan

Choose the Single or Annual plan.

  3. Fill out personal details

Provide personal information about the traveller.

  4. Payment and Confirmation

Pay online, and the system will successfully issue the policy.

AIG Customer Stories

AIG is dedicated to enhancing customers’ security and peace of mind with our insurance products protection.

Our annual travel insurance coverage is thoughtfully designed and backed by customer-first service and efficient compensation claims. Read some of our customer stores here...

Decompression sickness

Jason Tsang

AIG client for 5 years

#Bali #Diving #Sickness #Travel

A Family Visit

Ronald Tong

AIG client for 1 year

#Canada #Travel #Emergency

Rock climbing

Natalie Yuen

AIG client for 4 years

#rock #climbing #germany #injury

Lung infection

#Thailand #FamilyTrip #Illness #Travel

Business Trip

Aig client for 2 years.

#BusinessTrip #China

Road accident

Aig client for 6 years.

#Accident #China #Travel

Accidental Fall

Sally Leung

#HoChiMinh #Vietnam #Tour #Travel #Accident

Lifting luggage hurts!

Martha Chiu

#NYC #Airport #Luggage #Accident

High altitude!

Aig client for 3 years.

#Yunnan #China #Travel

“Thank you for your timely response, medical monitoring and guarantee of payment. Travel insurance has always been a must-have for our trips, and it is this habit that ensured timely actions and medical treatment after an accident. Thank you again for your positive response and help”

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Jason was on Bali Island for a diving trip when after a session, he started experiencing dizziness, pain and numbness in his arms, legs and back. He sought treatment at the local hospital and the treating doctor confirmed that Jason had decompression sickness. 

AIG Travel learned that Jason needed several rounds of therapy. We approved cover after reviewing his medical report. When the hospital declined a guarantee of payment directly from us, we activated a local provider to do so. Jason stayed in hospital for a week and continued his recovery in his hotel for another three days. We arranged for his return journey on business class accompanied by a medical escort. Wheelchair service at the airports and ground ambulance transfers at both ends were arranged also. Jason safely arrived home and was to have a follow up check at a local hospital.

 “Very satisfied with your service. I will always choose AIG Insurance. AIG takes care of things very efficiently.”

Lung infection in Thailand

A five-year-old girl, Daisy, developed a cough and high fever while on holiday with her mother, Alicia, in Trang, Thailand. Alicia called the ATAP global service centre for help and we quickly referred them to the Wattanapat Hospital located nearest to where they were staying. After Daisy had been seen by the treating doctor, we followed up and learned that chest x-ray showed that Daisy had lung infection. She was admitted for conservative treatment and we approved cover for her medical expenses.

When we checked in on her condition the next day, we found out that she had responded well to treatment and was fast recovering. Later on the same day, Daisy was discharged. Both mother and daughter continued their stay in Thailand and returned to home as planned.

 “Really well done. You provided excellent service. I can say it was flawless. I recommended you to my fellow members in the same tour group. They witnessed the whole process. You kept close follow up on our case. Other companies are not as thoughtful as you are. I hope you can keep up your good service.”

– Sally’s husband

Lower back compression after a fall…

A couple from Hong Kong was on a tour in Ho Chi Minh City, Vietnam when the 63-year-old wife, Sally, slipped and fell while trying to get off the tour bus. A travel agency representative called the ATAP global service centre for help after the tour leader informed him of the mishap.

AIG Travel later learned that a CT scan at the local hospital revealed that Sally had a compression fracture in her lower spine and she was hospitalised for observation. After we received her medical report, we reviewed and approved cover. We booked Sally on business class right after she was given clearance to travel while her husband remained in economy. Wheelchair and porter services at the airports and ground transfers at both ends were also arranged to ease their travel. The couple safely arrived back to Hong Kong and Sally was to have her follow up check at the Hong Kong Adventist Hospital.

“Thank you very much. You are very professional on the follow-up and provided very good service.” 

Ronald was visiting his niece in Canada when he started experiencing abdominal pain. At the local hospital scans revealed that he had appendicitis and surgery was necessary. His niece called the A社 global service centre to seek help with his medical expenses.

AIG Travel quickly got in touch with his treating doctor to find out more about his condition and later followed up for updates after his surgery. Ronald remained in the hospital for another week under close observation and we monitored his progress throughout this time.

“I would like to thank you the AIG team. I unfortunately had an accident in China on 20 May 2018. I was seriously hurt from the accident and needed to come back to HK for medical care. 

The AIG medical team gave us immediately help. The escort doctor and nurse carefully took care of me during the return journey and safely sent me to the Hong Kong Hospital. My wife and I deeply appreciated all that have been done.”

Business traveller injures his neck in China

Edward who was on a business trip to Shenzhen, China fell off his bicycle and injured his neck. He was rushed to the hospital where a MRI revealed that he sustained a severe spinal injury and his condition was critical. His travel agent called AIG for help to get him home to HK to get higher level of medical care.

We quickly got in touch with his treating doctor and learned that although the MRI had not shown any fractures it was likely that Edward had sustained spinal bone dislocation. After reviewing his condition, it was concluded that Edward required prolonged hospitalization and medical care and it would be best to get him home as soon as possible. Later the same day, after approving cover we arranged for a ground ambulance and a doctor-and-nurse escort team to bring him back home.  After Edward safely arrived in Hong Kong, he was directly admitted to the hospital.

“Excellent service with AIG because all staff followed up on me and called me, and asked me if I had safely arrived back home. This is my first time activating my travel insurance and it has been a very good experience.”

Be careful when lifting your luggage!

Martha had just landed in New York when she badly injured herself trying to lift her luggage from a carousel at the airport. She was taken directly to a local hospital where an x-ray showed that she had severely fractured her left thigh bone. At this point her travelling companion called the ATAP global service centre for advice and help.

AIG Travel got in touch with her treating doctor and learned that surgery on her thigh bone would be necessary. After reviewing her medical report, we approved cover and the patient underwent surgery the next day. We followed up with the doctor after the procedure and were informed that she was recovering as expected.

After a further three days in the hospital, she was given clearance to travel and we quickly arranged for her return on business class accompanied by a non-medical escort to take care of her needs and ease her travel. Wheelchair and porter services at the airports as well as ground transfer at both ends were arranged.

I am satisfied with your service and your follow-up and response is prompt!

Natalie was on a rock climbing holiday in Germany when she fell and injured her lower back. An x-ray revealed that she had fractured her spine. She called us for assistance with her medical expenses and travel arrangements. AIG Travel got in touch with her treating doctor, and learned that she needed surgery very soon. Cover was approved after we reviewed her medical report so we provided the hospital with a guarantee of payment. She underwent the procedure two days later. We monitored her recovery progress the whole time by regularly getting updates from her treating doctor. We also constantly checked in on her as she was alone to make sure she was doing well. After confirming that she was fit to trave, we quickly issued her new return airline ticket on business class so that she would be comfortable on her return journey.

Your response was really speedy and you were always providing us support.

17 tourists were on a group trip to Jiangxi when the bus crashed and rolled over when the driver mishandled a turn. Two of the passengers were thrown out of the bus and another two were badly squashed by the seats. The others, including the tour guide and the bus driver, sustained multiple cuts and wounds. Carol, a member of staff from the travel agency, called us as soon as she got word of the accident. AIG Travel quickly got in touch with the tour guide on the bus, and he was able to provide information about the accident and rescue work that was being carried out at the time of the call. When we followed up with the guide later, we learned that all of the passengers had been admitted into the hospital. We despatched a two-person crisis response team to Wuyuan early the next day to assess the situation and work with the treating doctor. When the patients were well enough to be discharged, we arranged for their return via commercial airline and high-speed train. Medical escort was also arranged for patients when it was required.

There was a medical escort that accompanied me all the way home to Hong Kong. It really comforted me.

Mark was on holiday in Yunnan, China when he started experiencing difficulties breathing and was sent to hospital. After a few days of treatment, his travel agent called us for assistance to get him home. AIG Travel quickly spoke to his treating doctor to get more information on his condition. We learned that he was suffering from high altitude sickness and had a lung infection. After obtaining his medical report, we approved his medical expenses. We also kept his sister and his travel agent back in Hong Kong updated on his condition and repatriation plans. Mark wished to go home after a few days in admission even though he had not recovered enough for air travel so we reviewed his condition with his doctor and determined that he was well enough for ground travel. After that, we arranged to get him home via high speed train accompanied by a medical escort throughout his journey. When he safely arrived back to Hong Kong, he was directly admitted to hospital for continued treatment.

AIG’s 24/7 Emergency Assistance Center focuses on the needs of AIG customers who travel overseas. Our 24-hour medical support team provides efficient and dedicated emergency support or medical advice around the world.

Our team of doctors and nurses is fluent in 40 different languages, and is always available to provide responsive, practical advice and assistance through our support hotline. 

I purchased the annual plan of TravelWise insurance policy, will this policy cover all of my trips in this year?

TravelWise annual plan covers all of your trips during the year while trip must commence from Hong Kong with maximum 90 consecutive days per journey.

If I purchased TravelWise Deluxe single plan, will I be covered if I take hot air balloon ride?

Yes, TravelWise covers all amateur sporting activities.

I felt sick while I was travelling but I did not consult a doctor. I only saw a doctor when I came back to Hong Kong. Am I covered?

Unfortunately, your medical expenses incurred after your return to Hong Kong are not covered. Under your TravelWise single plan, we only pay for medical expenses incurred as follow-up treatment in Hong Kong if you have consulted a Legally Registered Medical Practitioner overseas for the same sickness during the insured trip.

Who is eligible to purchase?

Anyone age 70 or below on the commencement date of the policy. A policy may be purchased by an individual or a family for travel overseas for purpose of leisure and/or business, provided the trip is commences from Hong Kong.

Note : We do not cover any travel to Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region.

How much premium do I have to pay?

Please press “ Buy Now ” above or refer to our  TravelWise brochure  for premium levels for each plan.

I travelled to Thailand for 4 days and purchased TravelWise single insurance plan. On the last day of the trip, I suffered from fibular fracture which caused me to stay 2 more days in Thailand. Will TravelWise Protection Plan cover my trip?

Yes. Cover will automatically be extended up to a maximum of 10 calendar days without paying any additional premium, in the event the journey is being unavoidably delayed. (e.g: Travel Delay and missed departure sections due to fibular fracture, and insured person can provide medical documentation to prove that he/she is not medically fit to travel)

How and when can I contact AIG Travel (emergency service team)?

You can call our emergency service team 24/7 at (852) 3516-8699

I am heading to an overseas exchange after which I will stay behind for my personal travelling. Can I only buy travel insurance only for my personal travel?

Yes, but you must purchase your Travel Insurance for the whole period (including exchange & leisure travel).

My flight will depart on 11:50pm on 1 Feb evening. When should be my policy inception date?

You must take 1 Feb as the inception date/ departure date of your Travel Insurance, and the protection will commence after the insured person passed the Hong Kong Immigration Department counter.

If I travel to multiple countries within the same trip, do I need to purchase a separate plan for each country?

If you are travelling to multiple destinations within the same trip, you can be covered under one policy. Please select the furthest region as listed under our area of coverage.

I will be travelling to Thailand this weekend, but a tsunami has just hit the tourist spot today. I want to cancel my trip. Am I covered?

If the Security Bureau issued a “Red or Black Alert” within 7 days of your journey departure date or during your journey, AIG shall reimburse you in accordance with the following “Journey Cancellation”, “Journey Curtailment” or “Journey Re-arrangement” coverage.

I originally planned to travel from Edinburgh to London then coming back to Hong Kong by air. Unfortunately the earthquake had halted the air traffic in Scotland. I chose the road transport instead to travel to London in order to catch the flight to Hong Kong. Can I claim the road transport costs?

Yes, we will reimburse you the additional road transport fares since earthquake is a natural disaster which has caused the delay or cancellation of your scheduled flight. Please ensure that you submit to us  the letter from airline to prove the flight delay/ cancellation.

How can I make a claim?

In the event of loss, written notice of claim should be submitted to AIG Hong Kong within thirty (30) days after the occurrence , together with all relevant documents. 

You should fill in and sign the related  claim form .

In order to help us to deal with your claims, you should provide all the supporting documents to substantiate your claim. Complete documentation will prevent any delay in your claim assessment as additional time may be required to obtain the requisite information

Upon receipt of sufficient documents, we will assess your claim accordingly. The result of your claim submission will be sent to you shortly

Complete and return the claims form with the supporting documents to:

AIG Insurance Hong Kong Limited 46/F, One Island East, 18 Westlands Road, Island East, Hong Kong

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Hong Kong Travel Insurance Comparison: A Complete Overview

Are you looking for the top travel insurance products in Hong Kong? With plenty of options out there, it could be a headache when choosing the right one. No matter if you’re flying to Japan, South Korea, Thailand, Taiwan, or even Singapore, y our long-awaited trip deserves the best protection, and we’ve done the hard work to get you covered with the perfect fit.

So, MoneySmart is here to rescue you from the hassle of sifting through travel insurance products. From pricing to coverage, claiming process, and special offers, we’ve dug deep to present you with the cream of the crop. So, let the adventure begin worry-free!

Read on to find out more details about how to choose the right travel insurance that fits your needs!

Table of contents: Hong Kong travel insurance comparison

What does travel insurance cover, how to compare travel insurance policies, hong kong travel insurance price overview, which travel insurance policy offers the highest coverage for medical and accident expenses, which travel insurance policy offers the highest coverage for skiing, scuba diving, or parachuting, which travel insurance policy offers the highest coverage for personal property.

• Frequently asked questions: Travel Insurance

Travel insurance coverage can differ depending on the insurance provider and policy. In general, travel insurance can help cover expenses related to trip cancellations, medical emergencies, lost or stolen baggage, and travel interruptions.

In general, travel insurance covers the 3 main types of coverage for medical and accident expenses:

• Medical coverage includes costs for accidents or illnesses during the trip, like fees for overseas doctors and follow-up visits after returning to Hong Kong.
• Personal accident coverag e provides reimbursement for death, permanent disability, and severe burns resulting from accidents during the trip.
• Emergency support coverage includes emergency medical evacuation or repatriation, visits for relatives, and more.

Comparing insurance policies is complicated. There are so many areas you can be insured in, but not all are equal in importance.  So how do you know which aspects to compare?

Review your trip quickly and identify the most likely scenarios to occur

First of all, you definitely want to make sure that you’re covered in the scenarios that are more likely to occur on your trip. Sure, it’s nice to know you’re being covered for kidnapping or terrorist attacks, but statistically speaking you’re more likely to come down with a bout of food poisoning or lose your luggage. So, review your trip quickly and find out the most likely situations to happen during your trip.

Here are key areas to look out for when deciding on the best value for travel insurance:

• Medical coverage : Unless you’re invincible, there’s always the chance you’ll fall ill or get involved in an accident. Medical coverage can pay for your overseas medical expenses, as well as medical expenses incurred upon your return to Hong Kong.
• Travel mishaps : Lost luggage, missed flights, trip delays and cancellations can happen on even the most meticulously-planned of trips.
• Loss or damage to personal belongings : Get compensated if you are pickpocketed, your belongings get damaged in transit and so on.

Find your best fitted travel insurance plan

Review each plan you have come across and find out your best fitted plan. For instance, some plans may have a higher coverage on medical expenses, but not so much on personal perperty protection. After knowing which one you want, look at the premiums.

Taking an adult going on a 7-day trip to Japan as an example, the lowest premium travel plan is offered by Alliance (HK$196), while most others range from around HK$200 to HK$300.

Here you can find most popular travel insurance plans in Hong Kong. In order to compare all Hong Kong travel insurance options, we will use a 7-day insured trip to Japan of an adult as an example:

(The premium is for reference only. For the latest rate, check the travel insurance quote here.)

The premium cost ranges from HK$84.8 to HK$463. It is important to note that when comparing premiums, you should consider if the coverage provided by the travel insurance plan meets your needs and expectations. And if you’re not sure which one to choose from h ere are the 4 basic travel insurance policies in Hong Kong.

So, which travel insurance policy offers the highest coverage for medical and accident expenses? Here is the comparison of travel insurance for a 7-day single trip to Japan :

Allianz Travel – Bronze Plan [for ages 2 to 54]: HK$1,000,000 medical coverage available

The Allianz Travel – Bronze Plan offers a basic plan at a low price, providing HK$1,000,000 in medical coverage. It is important to note that this plan only covers medical expenses and does not include any other coverage.

Allianz Travel - Bronze Plan [for ages 0 to 54]

Key features.

Up to HKD 1,000,000 medical expenses

24/7 Emergency assistance services

Easy, fast, online claims process

Loadings applied: Ages 55 to 59 +100%; ages 60 to 64 +250%; ages 65 or above +500%

STARR Companies TraveLead Extra Plan: HK$1,000,000 medical coverage with trip cancellation and loss/damage of luggage coverage

STARR Companies TraveLead Extra Plan has a slightly higher price, but it offers additional coverage for trip cancellation (up to HK$25,000) and compensation for loss or damage to luggage (HK$10,000).

STARR Companies TraveLead Extra Plan

Coronavirus Disease (COVID-19) Extension (For Single-Trip and Annual Travel Policy)

Staycation Benefit (For Annual Travel Policy Only)

Travel Delay coverage up to HK$1,500

Overseas Medical Expenses coverage up to HK$1,000,000

Accidental Death or Total Permanent Disability coverage up to HK$1,000,000

Dah Sing Insurance JourneySure Travel Insurance – Gold: HK$50 YATA cash coupon available for products over HK$200

Dah Sing Insurance JourneySure Travel Insurance offers excellent medical coverage of HK$500,000, trip cancellation coverage of HK$20,000, and compensation for loss or damage to baggage up to HK$15,000. What sets it apart is the special offer of a HK$50 YATA coupon for products over HK$200.

With the coupon, you can enjoy nearly a 25% discount on a HK$200 travel insurance product.

Dah Sing Insurance JourneySure Travel Insurance - Gold

Cover insurable loss of trip cancellation or curtailment due to the issuance of Amber, Red and Black Outbound Travel Alerts, Travel Agent or the operator of the Public Common Carrier bankrupt or winding up

Comprehensive delay coverage providing trip delay allowance, reimburse the paid and forfeited cost of Transport Ticket, Accommodation, group tour fees, admission fees of overseas sports, musical or other performance events

Cover leisure or amateur activities during the journey, including skiing, water skiing, rafting, parachuting, bungee jump, scuba diving, rock climbing and mountaineering

Loss of Income Protection caused by accidental bodily injury

Cover Golfer “Hold-in-One”

Zero excess for all coverage

Loss due to act of terrorism

Worldwide Emergency Assistance Services, includes unlimited benefit amount for Emergency Medical Evacuation

Personal Belongings , loss of money & camera Cover, enhanced sum insured for Camera

Family Plan covers maximum 2 parents and unlimited number of legal child(ren) aged under 18 for premium of 2 only

Rental Vehicle Excess Cover

Free and Automatic Extension of the Policy for 14 days in case the Insured Journey is forced to be extended beyond the control of the Insured Person

Personal Liability maximum HK$2,000,000

Dah Sing Insurance members can enjoy 20% premium discount

When planning for riskier activities that have a higher chance of accidents, it is important to consider getting insurance coverage specifically for those activities, including skiing, scuba diving, and parachuting.

Note that some travel insurance policies have limitations on coverage, including restrictions on height and depth. For example, if a skiing location exceeds a certain height, the travel insurance may not cover the activity. We strongly recommend thoroughly reviewing the details of insurance policies.

When searching for travel insurance policies that provide the highest coverage for skiing, scuba diving, and parachuting, there are several options to consider.

Here is the comparison of travel insurance for a 7-day single trip to Japan:

STARR Companies TraveLead Essential Plan

The STARR Companies TraveLead Essential Plan covers most high-risk activities such as skiing and scuba diving without any height or depth restrictions, providing medical coverage up to HK$500,000.

This plan is the most affordable option among all the travel insurance plans. However, it only includes medical coverage and does not offer any additional coverage. Perfect for those who want to get medical coverage only.

Coronavirus Disease ( COVID-19 ) Extension (For Single-Trip and Annual Travel Policy )

Overseas Medical Expenses coverage up to HK$500,000

Accidental Death or Total Permanent Disability coverage up to HK$600,000

BOCG Insurance Universal Voyage Travel Insurance – Silver Plan (Asia)

Apart from covering skiing, scuba diving, and parachuting, the BOCG Insurance Universal Voyage Travel Insurance – Silver Plan (Asia) also provides coverage for personal liability (HK$1,500,000), vehicle rental coverage (HK$2,500), and loss of home contents (HK$10,000).

MoneySmart Travel Insurance 101: What is loss of home contents?

Loss of home contents refers to the coverage provided by the insurance policy for the loss or damage of personal belongings and possessions while the insured person is traveling. This coverage typically includes items such as clothing, electronics, jewellery, and other personal items that may be lost, stolen, or damaged during the trip.

This is a comprehensive travel insurance product that covers not only medical expenses but also provides additional coverage for personal liability, vehicle rental, and loss of home contents.

BOCG Insurance Universal Voyage Travel Insurance - Silver Plan (Asia)

Double Indemnity of Personal Accident, up to HK$1,200,000 (only applicable to Single Travel Plan).

Maximum limit for medical expenses up to HK$500,000, including the treatment expenses incurred inHong Kong within 3 months after the insured person’s return from abroad and Trauma Counselling Protection are also provided.

Protection for Dangerous Activities1, including bungee jumping, parachuting, rafting, diving, trekking & hot-air ballooning（not applicable to professional sportsmen or people engaged in competition）.

If “Black Alert” is issued which results in travel delay, cancellation and curtailment etc., the irrecoverable deposits or charges will be payable. (For details, please refer to the list of Outbound Travel Alert)

If Compulsory Quarantined due to Infectious Disease or issuance of any Outbound Travel Alert2 to the destination, the period of insurance will be automatically extended.

Rental Vehicle Excess Protection, cover limit up to HK$2,500 (per event).

24-hour Worldwide Emergency Assistance , offers you medical emergency assistance service, overseas hospital admission deposit guarantee and medical evacuation to suitable hospital or country of residence.

Dah Sing Insurance JourneySure Travel Insurance – Diamond

Dah Sing Insurance JourneySure Travel Insurance – Diamond has a slightly higher premium due to its comprehensive coverage, which includes higher compensation for medical coverage, trip cancellation, loss or damage of baggage, and coverage for high-risk activities like skiing, scuba diving, and parachuting (excluded: rock climbing or mountaineering above 5,000m or scuba diving below 30 m depth).

Additionally, vehicle rental is also covered.

While it may be slightly more expensive than other travel insurance products, it offers a special promotion of a HK$50 YATA coupon, which can provide up to a 25% discount, making it a better deal.

Dah Sing Insurance JourneySure Travel Insurance - Diamond

Cruise Interruption Cover additional transport ticket and excursions tour cancellation

Losing your phone, wallet, or any other personal property can ruin your trip, but if you get travel insurance beforehand, you can be assured of being compensated for your loss!

When it comes to claims for property loss, there are certain things you need to do to meet the insurance company’s requirements. For instance, if you encounter theft or damage to your property, you should report it to the local police within 24 hours and get a written report.

And when you make a claim, you’ll need to provide receipts for the items that were lost or damaged. Make sure the receipts have the purchase date, price, model, and category of each item. Also, keep in mind that the insurance company might subtract the depreciation value of the property when calculating the coverage amount.

Here is a comparison of the travel insurance offering the highest coverage for property losses:

Zurich Get “Z” Go+ Deluxe Plan: The highest coverage for lost property

The Zurich Get “Z” Go+ Deluxe Plan offers the highest compensation for lost property, up to HK$25,000. If you have valuable property that needs to be covered, this insurance plan is worth considering.

BOCG Insurance Universal Voyage Travel Insurance – Silver Plan (Asia) also provides coverage for lost property with compensation of up to HK$6,000. Additionally, the travel insurance policy covers up to HK$500,000 in overseas medical expenses.

Blue Cross TravelSafe Plus Global Diamond Plan

Now you can have peace of mind knowing that your lost property is covered by the Blue Cross TravelSafe Plus Global Diamond Plan. It offers up to HK$20,000 for baggage loss.

Last tip: Get your insurance as early as possible

Buying your travel insurance in haste robs you of the chance to compare the various options and get a value-for-money policy that offers enough coverage at a reasonable price. You definitely don’t want to spend too much on a policy, or get one that’s so thin it barely covers you for anything. So spend a bit of time to pick the best policy for you, taking a careful consideration of various factors, including your destination, trip duration, and planned activities.

Travel insurance protects you not just the time when you’re on holiday to enjoy life, but also the weeks before you leave Hong Kong. So, the only way you can have a trip with the peace in mind is to buy your travel insurance in advance—not in the cab, on your smartphone as you rush to the airport!  Don’t forget to check out the latest offers from MoneySmart travel insurance selection.

Frequently asked questions: Travel insurance

What is travel insurance.

Travel insurance is a type of insurance that provides coverage for unexpected events that may occur while traveling, such as trip cancellation, medical emergencies, lost or stolen baggage, and travel interruption.

Do I really need travel insurance?

A: It is highly recommended to purchase travel insurance before embarking on any trip, especially if you are traveling internationally. Travel insurance can provide financial protection for unexpected events that may occur while traveling.

What does travel insurance typically cover?

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Want to stay ahead of the crowd? Visit the MoneySmart blog for more financial tips!

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If you have any enquiries or require assistance with this Personal Information Collection Statement, please call us at +852 3122 6922.

Travel Insurance

• Latest Promotion

Single Travel

Annual travel.

Overseas Study Insurance

• Travel Insurance Promotions

iTravel Plus

• Loss of or damage to mobile phone cover up to $2,000*
• Extended amateur dangerous sports and activities coverage
• Trip cancellation, curtailment, delay and rearrangement benefits extended to closure of airport
• Reimburses Rental Vehicle Excess up to $5,000
• Personal Accident benefits up to $1,000,000

*Applicable to iTravel Plus (Annual) and iTravel Plus (Single Trip) Plan A only and is not applicable to Insured Persons(s) who is(are) aged below 18 under Family Plan.

Limited Time Offer

Apply on or before 30 Apr 2024 to enjoy premium discount and the following reward:

If you are a Japan-holic planning your trip back "home", this offer is for you! Enroll iTravel Plus and receive one FamilyMart 500-yen e-coupon* with net premium spent reaching HK$300 or above.

(*FamilyMart E-coupon will be sent to the Eligible Customer‘s registered email address within 7 - 14 working days upon the date of successful enrolment.)

Choose  one of following extra rewards:

HK$3 net premium spent = 1 Asia Miles #

Login for HK$1 net premium spent = MSIG$1 Redeem your gift on MSIG mobile app

# Asia Miles promotion cannot be used in conjunction with promo code and MSIG$ offer at the same time per policy. Terms and Conditions

• Product Features
• Benefits Table
• Major Exclusions
• Extra benefits provided for Black Alert and Red Alert under the Outbound Travel Alert System up to HK$50,000 and HK$25,000 respectively:
• If the Black Alert is hoisted, pays up to 100% of the relevant loss and up to 100% of 'Trip Cancellation and Curtailment' section limit, or if the Red Alert is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
• Up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed
• Additional transport expenses if you are forced to leave the city you are staying to another city in order to return to Hong Kong
• HK$1,000 cash allowance if you must stay overnight in another city waiting for the necessary public transport to return to Hong Kong
• Amateur Dangerous Sports and activities 4 cover at no extra cost:
• Include hot-air ballooning, scuba diving, skiing, snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities
• Loss of Baggage
• Newly added loss of or damage to mobile phone 5 cover up to HK$2,000
• Natural Disaster cover:
• Trip Cancellation and Curtailment cover up to HK$50,000
• Travel Delay cover of HK$250 for first 6 hours of delay and each subsequent period of 12 hours, up to HK$2,000
• Up to HK$7,500 cover for additional transport and accommodation expenses if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses
• Terrorism Extension:
• Terrorism 10  cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
• Other benefits:
• Personal Accident 6,7,8  cover up to HK$1,000,000
• Advance payment of HK$50,000 cash relief for Accidental Death
• Major Burns Benefit up to HK$1,000,000
• Loss of Limb Benefit cover, which is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, arm, foot or leg under Personal Accident Section
• Deposit Guarantee of Hospital Admission up to HK$40,000
• Medical Expenses benefit cover emergency dental treatment, medical and surgical expenses up to HK$1,000,000 7,8
• Comprehensive 24-hour Worldwide Emergency Assistance Services
• Double Indemnity 9  for Personal Accident up to HK$2,000,000
• Follow up medical expenses after returning to Hong Kong up to HK$50,000 for a maximum period of 90 days, including registered herbalists, bonesetters and acupuncture fees up to HK$1,500 in total
• Personal Liability cover up to HK$2,500,000
• Personal Money, Documents and Additional Accommodation Expenses cover up to HK$10,000
• Family Plan 3,7  covering unlimited number of children
• Rental Vehicle Excess cover up to HK$5,000
• Automatic Extension of Cover
• $500 daily cash benefit (up to 10 days) if the insured person is compulsory quarantined or hospitalised overseas as a result of being diagnosed with COVID-19
• Trip cancellation or delay due to COVID-19 diagnosis prior to trip commencement
• Trip curtailment due to COVID-19 diagnosis during the trip
• Medical expenses for overseas hospitalisation incurred by COVID-19 treatment

Important Notes:

• Maximum days per trip of Plan A and Plan B are 182 days. Maximum days per trip of Plan C is 30 days, each trip should be commenced in Hong Kong.
• There is no minimum age limit for this plan. Maximum age limit is 85.
• Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip. Family Plan is not offered to Plan C.
• The Amateur Dangerous Sports And Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age. This extra benefit is not applicable to Plan C.
• No mobile phone benefit is payable for Plan B or Plan C, or if the Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
• The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
• For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
• The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to 25% of the Sum Insured.
• The Double Indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 70 years of age at the time of an accident. This extra benefit is not applicable to Plan C.
• Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
• For COVID-19 related benefits, the Insured Person(s) must fulfil the entry rules and conditions requirement both in Hong Kong and your planned travel destination(s). For any COVID-19 related claims, the claimant must provide PCR-based nucleic acid test record or rapid antigen test results and proofs indicating the confirmed COVID-19 infection (e.g. medical notes, report, government declaration record).
• iTravel Plus (Single Trip) is only available for online purchase.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording . In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

• The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to only 25% of the Sum Insured.
• For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age. Family Plan is not offered to Plan C.
• The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age. This extra benefit is not applicable to Plan C.
• The Golfers' Hole-in-One benefit will not be available to those Insured Persons who are under 18 years of age.
• 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
• "Loss of one limb" is defined in the policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
• This benefit is not applicable to Insured Person(s) is(are) below 18 years of age and insured under a Family Plan.
• Asia: listed countries and areas in Asia including China, Macau, Brunei, Cambodia, Indonesia, Japan, Korea, Laos, Malaysia, Myanmar, Philippines, Singapore, Taiwan, Thailand and Vietnam.

*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) under 18 years of age.

• Family Plan cover is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age of must be accompanied by a parent or a guardian in the insured trip. Family Plan is not applicable to Plan C.
• Optional Benefit is applicable to single trip 2 - 10 days. This optional benefit is not applicable to Plan C.
• No refund of the premium and the Levy will be allowed once the policy document has been issued.

Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the 'Insurance Ordinance' with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy .

• Any liability arising from a contractual agreement without the prior consent of Us is not covered
• Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
• Professional or organised dangerous sports or activities
• Any organized sports, any kind of race, motor rallies and competition, mountaineering or rock-climbing (necessitating the use of ropes or pitons), iceberg climbing, potholing, speed or endurance tests, marathon or any tour with bicycle riding as the main transportation during the insured journey, parachuting, skydiving, hang-gliding, trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level, water motorcycling/ jet-skiing, jet-boating, speed-boating, dune driving, snow motorcycling, ski-jumping, ice hockey, the use of bob-sleighs or skeletons, the use of firearms, or other hazardous pursuits or occupations.
• Manual work undertaken during business trips
• Suicide, intentional self-inflicted injury, insanity
• Mental or nervous disorders, sleep disorder, psychiatric disorder
• Alcoholic and drug addiction or solvent abuse
• HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
• Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
• Air flight crew
• Unlawful acts
• War and terrorism (Except for Terrorism Extended Cover)
• Nuclear weapons and radiations
• Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit 10) , tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like
• Terrorism 9 cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
• Personal Accident 6,7,8 cover up to HK$1,000,000
• Hospital Cash benefit up to HK$5,000
• Follow up medical expenses after returning to Hong Kong for up to HK$100,000 for a maximum period within 90 days, including registered herbalists, bonesetters and acupuncture fees up to HK$1,500 in total
• Family Plan 3,7 covering unlimited number of children
• Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong.
• There is no minimum age limit for this plan. Maximum age limit is 75.
• Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip.
• The Amateur Dangerous Sports And Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 65 years of age.
• No mobile phone benefit is payable for Plan B, or if Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
• The maximum indemnity under Personal Accident Section for an Insured Person who is under 18 years of age will be limited to HK$250,000.
• The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 65 years of age will be limited to only 25% of the Sum Insured.
• The Insured Person(s) must fulfil the entry rules and conditions requirement both in Hong Kong and your planned travel destination(s). For any COVID-19 related claims, the claimant must provide PCR-based nucleic acid test record or rapid antigen test results and proofs indicating the confirmed COVID-19 infection (e.g. medical notes, report, government declaration record).
• iTravel Plus (Annual) is only available for online purchase.
• The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 65 years of age.
• The Replacement Employee Benefit is only applicable if the Insured is either an incorporated or unincorporated company.
• "Loss of one limb" is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
• Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the 'Insurance Ordinance' with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy

*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) below 18 years of age

Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy .

• Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit 12), tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like.
• Provide plans with and without medical expenses coverage to fit your budget, catering to your protection needs
• Personal accident cover of up to HK$1,000,000
• Optional medical expenses of up to HK$1,000,000 covering both overseas inpatient or outpatient treatment and follow up medical treatment in Hong Kong (including Chinese medicine practitioners' fee), you may also opt for an excess for each hospitalisation claim and get 10% premium discount
• Provide extensive support for your overseas study with up to HK$300,000 education fund and reimbursement on study cancellation or interruption
• Provide travel delay and the loss of or damage to personal belongings including mobile phone and tablet computer

Apply on or before 30 Apr 2024 to enjoy  one of following rewards:

• Optional medical expenses of up to HK$1,000,000 covering both overseas inpatient or outpatient treatment and follow up medical treatment in Hong Kong (including Chinese medicine practitioners' fee)
• Personal accident cover of up to HK$1,000,000 which covers death and permanent total disablement
• Education fund 1 : covers up to HK$300,000 if the insured parent suffer bodily injury resulting in death or permanent disablement
• Cancellation of study and study interruption: covers the unused pre-paid tuition fee, travel and accommodation deposits
• School closure allowance of up to HK$5,000 if unexpected closure of school due to natural disaster or compulsory closed (e.g. due to infectious diseases) by local authority
• Personal belongings protection covers the loss of or damage to baggage and personal belongings including mobile phone or tablet computer up to HK$20,000
• Embrace adventures with amateur dangerous sports and activities coverage, including winter sports, horse riding, water skiing, scuba diving, etc.
• Travel delay protection (including ancillary leisure trips 2 during your study journey)
• Worldwide emergency assistance services

This factsheet is only a summary of the coverage. For details of terms, conditions and exclusions, please refer to the policy wording . In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

• The insured student must be aged between 6 and 50 and not a passport holder of the study country/region.
• The applicant and insured student must be Hong Kong resident and at the time of application the insured student has not yet left Hong Kong for the study journey meant to be covered.
• The study journey should be originating from Hong Kong.
• MSIG reserves the right to request proof of study upon claims.

Collection of Levy on Insurance Premium: Insurance Authority ("IA") has announced the collection of levy on insurance premium under the "Insurance Ordinance" with effect from 1 January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording . In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

• Any circumstances or medical conditions giving rise to a claim under this policy known to have existed at the time of application or at the date of arranging the study journey
• Any sport in a professional capacity or could earn income or remuneration from engaging in such sport
• Suicide, intentional self-inflicted injury, insanity, mental or nervous disorders, sleep disorder, psychiatric disorder
• Influence of drugs or alcohol
• HIV and/or any HIV related illness including AIDS
• Flying activities other than as a fare-paying passenger with a licensed and scheduled routes carrier
• Engagement as a worker or staff in any form of manual employment or occupation, hazardous work or occupation, or listed under general exclusion of the policy
• Fighting (except in bona fide self defence), provoked assault, resistance to arrest
• Consequential loss of any kind
• Any misrepresentation or omission to inform us of any material information
• Delay, confiscation, detention, nationalisation, requisition or destruction of or damage to property
• Pressure waves from aircraft and other airborne devices travelling at sonic or supersonic speeds
• War and terrorism (Except for terrorism extension cover)
• Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons

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Leisure Travel Insurance

Whether you're off on a short trip, a two week holiday, a backpacking adventure or studying overseas, you can choose the travel insurance cover that matches your trip. There is no need to pay for cover you simply do not need. Chubb will provide clear facts about the benefits and options so you can decide what insurance cover is right for you.

Coverage Highlights

What it covers.

Chubb provides Single Trip Travel Insurance and Annual Travel Insurance for your unlimited business or leisure trips.

Coverages include:

• Personal Accident
• Medical Expenses
• Chubb Assistance - 24-Hour Worldwide Assistance Services
• Personal Property / Loss of Travel Documents
• Travel Cancellation
• Trip Interruption / Trip Curtailment / Travel Delay
• Personal Liability etc.

Apply TravelEase now ! 4 simples steps to receive confirmation SMS and Email instantly. 

Apply TravelWell now ! Get up to HKD1,000 shopping voucher upon successful enrollment (limited time offer). 

Related Product

• Overseas Student Protection Insurance

Don't take your chance

Get yourself protected and have a worry-free holiday

Scheduled Maintenance: Please note that the application service will be temporarily unavailable from 17 March 2024, 03:00am to 09:00am (HKT).

Chubb Assistance

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• When am I covered?
• Who is covered?
• What is covered?
• What is not covered?

Chubb Premier Travel Cover/ Cathay Rewards Annual Travel Cover

Enjoy up to 3,000 mileage reward and coverages below:.

• Medical Provide up to HKD200,000 Additional Personal Accident coverage
• Medical Reimburse your loss of Award when you forfeited the travel expenses due to Trip Cancellation or Trip Interruption
• Medical Cover replacement cost arising from the loss of travel documents

Chubb Premier Travel Cover

Cathay Rewards Annual Travel Cover

Unique Coverage for Cathay Members

Reimburse unused car rental or hotel accommodation redeemed using Miles due to Trip Interruption and additional Personal Accident Coverage

Claims and Policy Administration

Claims submissions and policy administration are made easy and convenient at Chubb. Simply proceed to our Chubb MyPolicies Portal to file your claim, view policy details or download policy documents anytime, anywhere.

Need help in an emergency? Call us 24 hours a day (852) 3723 3030

Existing Customers

Already an existing Insured Person? Click here to download your Policy Schedule and other important documents.

You may contact us via mail or telephone.

Chubb Insurance Hong Kong Limited

39/F, One Taikoo Place, 979 King's Road, Quarry Bay, Hong Kong

Customer Inquiries

Monday to Friday from 9:00 am to 5:30 pm (Closed on Saturday, Sunday and Public Holiday)

Tel: +852 3191 6633 Fax: +852 2519 3233 Email:  [email protected]

Chubb Worldwide Offices

For the mailing address, telephone number and email address of any Chubb office in our global network, use our office locator.

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*Levy collected by the Insurance Authority will be imposed on relevant policy at the applicable rate. The payment received for such levy will be remitted to the Insurance Authority under the prescribed arrangement. For further information, please visit  www.ia.org.hk/en/levy .

Chubb Insured™

This policy is underwritten by Chubb Insurance Hong Kong Limited.

Full details of the terms, conditions and exclusions of this insurance are provided in the Policy Wording.

Travel Insurance

Mytravel insurance.

Covers irrecoverable charges for flight and hotel accommodation arising from trip cancellation or change of travel date for any reason(s) before departure, as well as stolen mobile phone while traveling

Destination

Departure date

Return date

Insured travellers

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The above content is a summary of the product information for your reference only. The actual amount to be paid by customers includes an insurance levy collected by the Insurance Authority. Before we proceed further with your application, please confirm that you fully understand the product and that the product features meet with your needs.

MyTravel Insurance is underwritten by Bolttech Insurance (Hong Kong) Company Limited (“bolttech Insurance”). This platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed insurance agency of bolttech Insurance. Important Note For Customers Referred/ Redirected by Third Parties.

Product highlights

Benefit Schedule

Frequently asked questions

Be able to adapt to change - cancel³ or change³˒⁵ your journey for any reason² and still make a claim.

Rare-in-market¹ – cancel³ or reschedule 3,5 your trip before departure for any reason² and you can get reimbursed for up to 50% of the applicable public transportation and accommodation charges.

All fees for purchasing tickets and booking activities are covered³˒⁴

Pre-booked expenses for concerts/theme park tickets, experiential activities, etc, in case you are unable to attend due to sickness or injury, can be covered for up to HK$15,000.

Cover personal belongings such as mobile phones, travel documents, credit cards etc.³˒⁴

MyTravel³˒⁴ covers baggage and personal belongings losses comprehensively, or stolen of devices including smartphones, laptops, tablets, with no deductible. Loss of travel documents or unauthorized use of credit cards are separately covered for up to HK$3,000 each.

A must-have car rental protection for road trips³˒⁴

If the rented vehicle is damaged - for example, scratched while parking or stolen, you'll be fully covered up to HK$5,000 of the vehicle excess fees.

Enjoy popular sports during the tour³˒⁴

Medical coverage includes the leisure and amateur sports activities such as skiing, scuba-diving and hiking etc. Also get up to 80% protection for loss or damage of your sports equipment and gear!

Tailor-made worry-free protection for pet owners³˒⁴

Emergency pet boarding expenses in Hong Kong due to travel delay are covered. If your pet requires emergency treatment due to a serious disease and you need to cancel your trip and return to Hong Kong earlier than the original schedule, MyTravel 3,4 will reimburse you up to 50% of the related travel expenses.

Some of the features above are applicable only for specified plan(s). Please refer to the policy terms, conditions and exclusions for details.

3 levels to ensure a pleasant journey

Maximum Benefits Per Journey Per Insured Person (HKD)

Please refer to the policy provisions for the detailed terms, conditions and exclusions.

Benefit Schedule - Sum Insured; Maximum Benefits Per Journey Per Insured Person (HKD)

Major exclusions.

The product information contained in this website is a summary of the product features of the MyTravel Insurance policy for your reference only. For the full terms and conditions and exclusions of the policy, please refer to the policy provisions of the product. You should not purchase the plan solely based on the information on this website.

This product is underwritten by Bolttech Insurance (Hong Kong) Company Limited (“bolttech Insurance”), which is authorized and regulated by the Insurance Authority to carry on general insurance business in Hong Kong. This eCommerce Platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial, is an appointed and licensed insurance agency (License No. FA2568) of bolttech Insurance, and is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) for distribution of general insurance products in the Hong Kong SAR.

This product is only available for sale in Hong Kong and also to Hong Kong residents only. It is only valid for travel originating from Hong Kong.

Please make sure you are eligible for this product before applying.

Eligibility for this product: • I am a HKID card holder. • Currently in Hong Kong at the time of making this application. • My trip is departing from Hong Kong.

Enjoy additional 5% off!

If traveling with family or friends, you can save an additional 5% by purchasing the policy together! For details, please refer to the Group Discount Promotion Terms and Conditions.

This online product information is for your reference only. Please download the brochure to learn about your full benefits and key product risks. Please refer to the plan’s policy provisions for the exact terms and conditions and the full list of exclusions, you may also call bolttech Insurance’s Customer Hotline at +852 3123 3344 for complete explanation.

This product is underwritten by Bolttech Insurance (Hong Kong) Company Limited (“bolttech Insurance”). FWD Financial Limited is an appointed and licensed insurance agency of bolttech Insurance.

Group Travel

For submission by using eClaims

Use our eClaims portal for quick and easy service.

If you need to submit additional documents for a reported claim, please click here .

If you would like to check claim status, please click here .

For submission by email or post: 

Step 1: Complete the Claim Form and gather supporting documents  

Step 2: Submit the documents (completed claim form and all supporting documents)

Step 3: Claims Assessment by Generali    

Step 4: Settlement letter and/or email will be issued to you after approval

Please keep the original receipt(s) and other claim documentation for 6 months from the claim completion date. Generali reserves the right to request additional information/documentation to support each claim.

• A Travel Insurance Claim Form completed with detailed description of the incident
• Company Letter showing the purpose and duration of the business trip for the employee
• Boarding passes, air tickets, itinerary etc that confirm the departure and return dates
• Full description of the sickness or injury sustained on the claim form(s)
• Original hospital/medical bill(s)/receipt(s) with clearly marked diagnosis and certified by the attending physician 
• Doctors report of certification on the extend of the injury
• In the event of a death claim, please contact us for further guidance
• Full description of the incident and the list of claim items which you are claiming for on the claim form(s)
• Loss/damage report(s) from the relevant authorities e.g. airline, hotel or the Police
• Photos showing the extend of damage to the property (if applicable)
• Repair receipts of the damaged property (if applicable)
•  All original receipts and/or warranties relating to the lost/damaged property if they require replacement
• Full description of the incident on the claim form(s)
• Confirmation from the airline that the baggage was delayed abroad , with reason(s) and and duration stated
•  Original invoices/receipts for the purchase of essential items
• Original loss report from the Police
•  Supporting documents showing the value of the amount of cash lost e.g. exchange slip etc.
• Full description of the incident on the claim form(s) irrespective of whether you have received a claim from the third party or not
• Photos showing the scene of the accident, its environment and the extend of the third party property damaged and/or third party bodily injured, if possible
• Third party correspondence(s), summons or writs received in elation to the incident should be forward to us immediately

 Remarks: No liability should be admitted, offered or promise of payment made to the third party without the company’s approval.

• Written confirmation from the airline, if the flight is delayed for more than 6 hours, indicating the total number of hours delayed and reason(s) for such delay
• Copy of the itinerary, air ticket and boarding pass
• Original invoices/receipts for the additional transport expenses
• Reason(s) for the cancellation or curtailment of the trip together with all relevant supporting documents
• Original booking invoices together with original confirmation from the relevant authorities regarding the amount refundable for any prepaid costs or deposits made
• Incident report from the relevant authority
• Original vehicle rental agreement with detailed terms & conditions
• Original payment receipt(s) for the rental charges
•  Original payment receipt(s) for the excess paid
• If you have other documents which are not listed but may support your claim application, please also submit them as it may facilitate our processing.
• If there is another insurance policy covering the same loss or damage, you should provide a copy of the full set of the policy to us. 

By email: [email protected] your completed claim form and all relevant documents within 30 days of the accident to:

By email: [email protected]

By post: Assicurazioni Generali S.p.A., Hong Kong Branch 21/F, Cityplaza One, 1111 King’s Road, Taikoo Shing, Hong Kong 

Telephone: (852) 3971 2616

Email: [email protected]

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Travelsure Protection Plan

Multiple coverage protection to safeguard your trip.

Special notice about Hang Seng Bank’s bancassurance partnership A new insurance partnership between Hang Seng Bank Limited and Chubb Insurance Hong Kong Limited came into effect on 10 July 2023 and the insurance partnership with QBE General Insurance (Hong Kong) Limited (“QBE”) has ended on 9 July 2023. Any policies issued by QBE expiring on or after 9 July 2023 will not be renewed. You can review your insurance coverage before the expiration of policy to make sure you have a timely replacement. View arrangement details

Successfully apply for Travelsure Protection Plan (Single Trip Cover) to get medical expenses coverage and a chance to win air tickets to Osaka in Lucky Draw.

Plan overview

Travelsure Protection Plan (“Travel Insurance”) offers Single Trip Cover, Annual Global Cover and Annual China Cover to meet your different travel insurance needs. It also offers various protection, including trip cancellation or delay, participating in winter or water sports and more.

This Travel Insurance is underwritten by Chubb Insurance Hong Kong Limited ("Chubb"). 

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Quote, apply and pay

Key features

Up to hkd1,000,000 medical and personal accident coverage.

This Travel Insurance covers the medical expenses and emergency assistance arising from sickness or accident during the trip, include:

• Overseas Hospital Admission Deposit up to HKD20,000 (under Chubb Assistance – 24 Hour Worldwide Assistance Services)
• Hospital Cash benefit for hospitalisation due to Bodily Injury or Sickness (not applicable to Annual China Cover Basic Plan)
• Follow-up Medical Expenses up to 90 days after return to Hong Kong, for the treatment of the same Bodily Injury or Sickness arose during the trip
• Expenses for Trauma Counselling within 90 days from the occurrence of a traumatic event, when the Insured is the victim and sustains Bodily Injury due to that traumatic event
• Expenses for Mobility Extension for the equipment and installation/modification if the Insured sustains Permanent Total Disability arising from Bodily Injury during the trip
• Hotel accommodation and transport expenses provided that the Insured Person is recommended by Physician to convalesce immediately before continuing with the Journey after hospital confinement overseas and the original scheduled ticket is forfeited
• Transport and escort services expenses for the escorting the child back to Hong Kong, and Compassionate Visit expenses covering the transport and accommodation expenses for visiting the Insured Person who is unfit to travel, endangered or suffers from death due to Bodily Injury or Sickness (under Chubb Assistance – 24 Hour Worldwide Assistance Services)
• Accidental death, loss of limb(s), eyesight, hearing, speech or Permanent Total Disability and
• Compassionate Death Cash for sustaining Bodily Injury on the Journey leading to Accidental death or Sickness leading to death within 12 months

Up to HKD3,000 loss of Personal Cash & HKD10,000 Travel Documents coverage

This Travel Insurance covers (not applicable to Annual China Cover Basic Plan):

• Loss of cash, banknotes or cheques (excluding digital currency); and
• Replacement cost of travel documents and/or travel tickets; and
• Additional transport and/or accommodation expenses for arranging the replacement travel documents and/or travel tickets

Up to HKD50,000 Credit Card Protection (Hang Seng Credit Card exclusive)

Within the 12 months following Bodily Injury during the Journey causing Accidental death or Permanent Total Disability, this policy will reimburse the Hang Seng Credit Card bill of the Insured Person spent at the date of the accident, including credit card interest and charges at the date of the accident. The premium of this policy must be paid with the Hang Seng Credit Card of the Insured Person.

Up to HKD15,000 Personal Property coverage

This Travel Insurance covers the loss, theft or damage to your personal belongings during the trip, including baggage, laptop, mobile phone (20% excess is applied), etc. Losses must be reported to the police within 24 hours and written police report is required. For losses occurred in transport, the Public transport Carrier must be notified and written report is required.

Up to HKD1,000 Baggage Delay coverage

This coverage (applicable to Single Trip Standard Plan / Annual Global Plan only) includes the cost of purchasing essential toiletries and clothing when checked-in baggage is delayed, misdirected or temporarily misplaced by a Public Transport Carrier for at least 10 consecutive hours from the time of arrival at destination's transport terminal.

Up to HKD30,000 Trip Cancellation and Curtailment coverage

This Travel Insurance (not applicable to Annual China Cover Basic Plan) offers reimbursement of the pre-paid and unused tour or transportation fare, accommodation deposit and / or cost of admission ticket to major sporting event, musical concert, museum or theme park arising from trip cancellation and/or curtailment due to specific events.

Up to HKD2,000 Travel Delay or HKD10,000 Re-routing coverage

This Travel Insurance plan covers (not applicable to Annual China Cover Basic Plan and only one of the compensations is available):

Travel delay

• Cash Benefit for the first 6 hours and every 8 hours of travel delay; or
• Reimbursement for the additional or forfeited accommodation expenses outside Hong Kong if the delay exceeds 24 consecutive hours

Re-routing In the event of delay of a Public Transport for at least 8 consecutive hours or the unexpected issuance of Black Alert at the destination after commencement of the journey, and the journey has to be re-routed, this insurance will cover:

• The lost transport and/or accommodation expenses paid in advance or forfeited by the Insured Person after departing from Hong Kong; or
• Reasonable additional transport and/or accommodation incurred by an Insured Person to enable him or her to arrive at their scheduled destination
• Re-routing due to Black Alert is not covered in Annual China Cover Standard Plan

Up to HKD5,000 Rental Vehicle Excess coverage

This coverage (applicable to Single Trip / Annual Global Plan only) includes reimburse the insurance excess that is legally liable to be paid by the Insured Person, due to the loss or damage to a rental vehicle caused by an accident while under the Insured Person's control during the Journey.

Coverage overview

Mainland China and Macau - Basic Plan

Asia [1] and worldwide - Standard Plan

Not Applicable 

Not Applicable

Global Cover

China Cover - Basic Plan

China Cover - Standard Plan

5,000 (20% excess is applicable for each and every Mobile Phone claim)

Note(s): The information above is for reference only, you can refer to the plan coverage and Policy Wording for details.

Product information

Eligibility, travelsure protection plan - single trip coverage.

Ms. Leung slipped in the lift lobby at the hotel while she was staying in Korea.

Before the trip

She applied for Travelsure Protection Plan  – Single Trip Coverage

Upon hospital admission in Korea

• Her travel companion called the Chubb Assistance hotline to refer and arrange for a translator to communicate with the doctor, as they did not speak Korean
• It was diagnosed that her injury was rather severe
• The doctor advised her to get back to Hong Kong for immediate medical treatment
• The Chubb Assistance team then arranged medical repatriation for her, including the ambulance and flight arrangements back to Hong Kong

When waiting for the flight back to Hong Kong at the airport

Her mobile phone and tablet computer were stolen

When the insurance is claimed

Ms. Leung successfully claimed the following losses:

• Medical expenses in Korea
• Non-refundable prepaid cost of Booked Holidays arising from the trip curtailment
• Extra travelling expenses for medical repatriation
• Follow up medical treatment in Hong Kong
• The loss of her mobile phone and tablet computer

Total compensated amount: HKD 81,000

TravelSure Protection Plan - Annual Global Coverage

Ms. Chau was about to take off for a trip, but had to cancel due to the sudden death of an immediate family member from an acute disease.

She applied for Travelsure Protection Plan – Annual Global Coverage

Before the take off for the trip

She suffered the loss of a loved one, and her travel plan was disrupted and cancelled

She was fully compensated for the non-refundable prepaid costs of the air tickets and hotel accommodation

Total compensated amount: HKD 21,000

The payment was directly credited through autopay into her designated bank account

• This Policy is only valid for travels originating from Hong Kong
• The insured age of the Single Trip Coverage has no upper limit; the Annual Trip Coverage is only available to those under 75 years old (at the policy effective date)

Popular questions

No, customers must purchase Travelsure Protection Plan prior to your departure from Hong Kong.

Yes, Travelsure Protection Plan provides cover for business travel (limited to administrative, clerical and non-manual works only).

No. Travelsure Protection Plan does not cover injury or death caused by any labour work. So you should approach the insurer who issued your helper's employee insurance for an extension of the protection to overseas work.

Yes, Travel Insurance is designed for people going abroad as a visitor for leisure or on business trips. The scope of coverage is different from a life insurance plan.

Application

Single trip cover: there is no age limit. Annual cover: The Insured Person(s) must be between 18 to 74 years old, while child(ren) must be under 18 years old (at the policy Commencement Date or Renewal Date). Point to note when applying for child(ren) under 18 years old who do(es) not travel with parent:

• Please select "Friends/relatives" to proceed online application.

No. The travel warning issued by the World Health Organisation against a certain country or region shall have no bearing upon the protection provided by this plan. However, it is suggested that an insured should closely observe the development of the relevant situation as any orders promulgated subsequently by the government may affect the insured's journey and the protection under this plan.

Coverage related

Annual Coverage:

The insurance period of annual coverage is 1 year from the policy effective or renewal date.

Maximum coverage period for each journey (there is no limit on the number of journeys during the insurance period) is the earliest of:

• up to 60 days (inclusive of the date of departure); or
• 3 hours after the Insured Person passed through Hong Kong immigration control point on their return to Hong Kong; or
• At the end of the Period of Insurance

The maximum insurance period of single trip coverage is 6 months.

Under Basic Plan of the Annual China Cover, if the Insured Person sustains bodily injury caused by an assault during a robbery while traveling in mainland China (excluding Hong Kong SAR) or Macau SAR, which leads to death or permanent disability, the original Personal Accident benefit of HKD200,000 will be doubled to HKD400,000.

Insured Person can enjoy policy benefits under issuance of "Black Alert" or "Red Alert" in the planned destination:

(Applicable to Single Trip Coverage and Annual Global Coverage only) Before the trip:

• Trip Cancellation benefit up to HKD30,000

During the trip:

• Trip Curtailment benefit up to HKD30,000 ; or
• Re-routing (Black Alert only) up to HKD10,000; and
• Free 10-day policy extension

For "Black Alert", the Insured Person can be reimbursed the relevant loss up to the maximum Sum Insured. For "Red Alert", reimbursement will be up to 50% of the relevant loss and the maximum Sum Insured.

As long as the condition is covered under the policy, you can enjoy the insurance protection when admitted to non-designated hospitals outside the hospital list. But, please note that the guarantee of hospital admittance deposit in the case for admission to non-designated hospitals is up to HKD20,000. You must also obtain the original copy of the hospital or medical receipt with the diagnosis certified by the attending doctor and settle such medical expenses first. And then file a claim when you return to Hong Kong.

The China Emergency Card is applicable to hospital admission only. If you only visit an out-patient clinic, you need to pay the consultation fee, get a receipt and medical certificate, and then file a claim when you return to Hong Kong. Make sure the medical practitioner treating you is licensed by the competent medical authorities.

Emergency assistance and China Emergency Card

If you need any emergency assistance during your trip, please call our Chubb Assistance – 24 Hour Emergency Assistance Hotline at (852) 3723 3030 .

You'll receive an email from Chubb with instructions on how to get your China Emergency Card and how to add the Card to your Apple Wallet or Android PassWallet.

In such event, you should:

• Check the hospital list   and call the Chubb 24-Hour Emergency Hotline at (852) 3723 3030 for assistance.
• Chubb Assistance China Emergency Card
• Travel document, e.g. Re-entry Permit, HKID or Passport
• Keep all hospital receipts and pass them onto Chubb Insurance Hong Kong Limited for claims handling within 30 days after you are discharged

All information provided on the hospital list is subject to change without prior notice. Please contact the 24-hour Chubb Emergency Hotline for assistance.

For cases involving hospitalisation, you must present the China Emergency Card to be eligible for the fast-track admission service. Otherwise you will have to pay the expenses first and then file a claim or contact our 24-hour emergency service for assistance.

Yes, all you need to do is just re-install the China Emergency Card to the original or new mobile device. There is no card replacement cost. 

Managing policy

No, application for the Travelsure Protection Plan for the purpose of emigration will not be accepted and the policy will become invalid when you emigrate to an overseas country or territory.

Prior to the expiry date of the policy, you can call the Customer Services Hotline at  (852) 3191 6668 (Mondays to Fridays, 9 a.m. to 5:30 p.m., closed on Saturdays, Sundays and Public Holidays) to apply for a policy extension. Chubb Team will review and process the policy extension request. The policy will only be effective when such application has been approved and the premium for the extended period has been paid.

To ensure a continuous coverage, your policy will be renewed automatically upon the expiry date for 1 year and the annual premium will be debited from the credit card provided. The renewal insurability is subject to the terms and conditions in the renewal notice and policy wording. If you do not wish to renew the policy, you should notify Chubb after receiving the renewal notice.

No, you should submit your claim to the Travel Industry Compensation Fund for compensation.

No, cancellation of the journey as a result of administration arrangements of the travel agency are not covered by the Travel Insurance.

In the event of trip cancellation due to unexpected outbreak of natural disaster (such as landslide, earthquake, volcanic eruption, tsunami, typhoon or hurricane) at the scheduled destination arising within 7 days before the departure date of the journey, the Travel Insurance will pay the Insured Person the Booked Holidays forfeited.

Such coverage is not applicable to Annual China Cover - Basic Plan.

Make a claim

Claim procedures.

Find details on how to submit your claim and more.

Download form

You can find all forms and documents here for our insurance policies.

Useful information

• Plan Coverage
• Plan premium
• Declaration (Single Trip Cover)
• Declaration (Annual China Cover/Annual Global Cover)
• Policy Wording(Single Trip Cover)
• Policy Wording (Annual China Cover)
• Policy Wording (Annual Global Cover)
• Hospital List & Contact Number [for Annual China cover ONLY]
• Outbound Travel Alert (OTA) currently in force

Need more help?

Call us for enquiry.

(852) 29989888

Leave us a message

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Other point(s) to note.

• The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not Hang Seng Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
• 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 Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer.
• The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.
• Including mainland China, Bangladesh, Brunei, Cambodia, Guam, India, Indonesia, Japan, Korea, Laos, Macau SAR, Malaysia, Mongolia, Myanmar, Nepal, Pakistan, Philippines, Saipan, Singapore, Taiwan, Thailand, Tinian and Vietnam.
• Terms and Conditions apply.