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Travel Insurance Plan

Our Travel Insurance Plan provides a broad range of coverage, including personal accident, medical expenses, property and luggage loss, and travel delays. It also provides options for a family plan and an annual multi-trip travel plan, so you can enjoy all of your travel without worries.

• Product Highlights
• Apply Online Now
• Coverage
• Important Notes
• Premium Table
• Major Exclusions
• Excesses
• Q&A
• Tips for Filing a Claim
• Note
• Download Document
• Contact Us - General Insurance Product

Product Highlights

• Family Plan Option
  If both parents purchase the plan together, all their accompanying children who are aged 6 months to 16 years old will be covered free of charge.
• Extensive Personal Accident Coverage
  The Personal Accident section covers the risk of terrorist attack*, as well as travel activities such as skiing, scuba-diving, water-skiing, rafting, yachting, parachuting, rock-climbing, bungee-jumping, horseback riding, etc. **
  * This excludes Nuclear/Chemical/Biological Terrorism
  ** This excludes the Insured Person participating in sports in a professional capacity or in return for remuneration.
• Coverage for Travel Delays and Itinerary Changes Caused by Terrorism
  The plan also covers both travel delays and itinerary changes due to terrorism, giving you peace of mind when you travel.

Apply Online Now

Single Trip Travel Insurance Annual Multi-Trip Travel Insurance

Coverage

 

Coverage	Sum Insured/Maximum Benefits Per Insured Person (HK$)
	Gold Plan	Silver Plan	Bronze Plan
1. Medical Coverage
Medical Expenses including Follow-up Medical Treatment Expenses	800,000	500,000	200,000
Overseas Hospital Daily Cash Benefit	250 per day and up to 3,000	250 per day and up to 1,500	250 per day and up to 1,000
2. Global Emergency Assistance Coverage
Hospital Admission Guarantee	40,000
Emergency Evacuation or Repatriation Service	Actual cost
Repatriation of Mortal Remains	Actual cost
Compassionate Visit	One economy class return airfare
Additional Accommodation Expenses	1,950 per day and up to 7,800
Return of Unattended Children and Caretaker Fee	One economy class one-way airfare up to 30,000
Dispatch of Essential Medicine/Medical Equipment	10,000
Other Free Advisory Services	Free
3. Personal Accident Coverage	1,000,000	500,000	250,000
Accident on Public Common Carrier or During Robbery	1,500,000	750,000	375,000
Burn Coverage	200,000	200,000	200,000
Loss of Income (up to 12 weeks)	1,000 per week	1,000 per week	1,000 per week
4. Compassionate Death Cash Coverage	10,000
Compassionate Visit	One economy class return airfare and actual hotel accommodation costs up to 30,000
5. Personal Baggage Coverage (Maximum benefit including golf equipment and laptop computer)	20,000	10,000	5,000
6. Loss of Money	3,000	2,000	1,000
7. Credit Card Protection	30,000	15,000	5,000
8. Loss of Travel Documents or Tickets	3,000	2,000	1,000
9. Loss of Home Contents due to Burglary During Travel	100,000	80,000	50,000
10. Personal Liability	2,500,000	2,500,000	2,500,000
11. Travel Delay / Re-routing
Travel Delay	1,500	1,500	1,500
Extra Hotel Costs due to Travel Delay	2,000	2,000	2,000
Extra Re-routing Costs due to Travel Delay	10,000	7,500	5,000
12. Baggage Delay / Emergency Purchase	1,500	1,000	500
13. Cancellation of Trip	30,000	20,000	10,000
14. Curtailment of Trip	30,000	20,000	10,000

Important Notes :

1. Place of Departure : All journeys must depart from Hong Kong.
2. Nature of Tourism : Leisure travel, business travel of clerical duty and not for the purpose of studying overseas.
3. Nationality : The proposer and insured person(s) must be a Hong Kong Permanent Resident holding a valid HKID card.
4. Age Limit :
   1. Single Trip Travel Insurance Plan : 6 months to 75 years old on the day of departure
   2. Annual Multi Trips Insurance Plan : 6 months to 70 years old on the day of policy effective date. For insured person who attains 71 years old, renewal shall be at the sole discretion of the insurance company.
   3. Insured person under the age of 17 and traveling alone without companion of an adult (irrespective joining a tour or not) is unacceptable.
5. Insured Person of Family Plan :
   1. Must include the principal insured and his/her spouse, and their children aged 6 months to 16 years old.
   2. Children aged 17 or above, or parents without accompanying children, can apply under “Individual Plan”.
6. Maximum period of journey :
   1. Single Trip Travel Insurance Plan : 180 days
   2. Annual Multi Trips Insurance Plan : 90 days per trip, the number of trips is unlimited.
7. Maximum amount of Benefit :
   1. Family Plan : If the loss, injury or death is caused by an accident, the maximum benefit in aggregate per family for any one accident shall not exceed 300% of the respective section.
   2. Personal Accident Cover : If the insured person is below 17 years or over 65 years of age at the time of the accident, benefit shall be reduced to 50% of the amount payable. In addition, there is no additional 50% coverage for accidental death or permanent total disablements occurs on public transportation or being an innocent victim in a robbery.

Premium Table

IA Levy collected by the Insurance Authority ("IA") shall be imposed on insurance policy at the applicable rate in accordance with the law. For further information, please visit www.ia.org.hk. The following premiums do not include IA Levy.
 

Single Trip Travel Insurance

Days of Travel	Gold Plan		Silver Plan		Bronze Plan
	Individual	Family	Individual	Family	Individual	Family
1	70	140	50	100	30	60
2	110	220	80	160	55	110
3	143	286	103	206	74	148
4	178	356	135	270	107	214
5	198	396	150	300	124	248
6	214	428	165	330	137	274
7	230	460	180	360	149	298
8	247	494	195	390	160	320
9	260	520	203	406	169	338
10	275	550	213	426	177	354
11	288	576	222	444	186	372
12	313	626	234	468	193	386
13	339	678	254	508	201	402
14	365	730	273	546	217	434
15	391	782	293	586	232	464
16	409	818	304	608	238	476
17	420	840	310	620	241	482
18	431	862	315	630	244	488
19	441	882	321	642	248	496
20	452	904	327	654	251	502
21	463	926	332	664	254	508
22	473	946	338	676	258	516
23	484	968	343	686	261	522
24	495	990	349	698	264	528
25	505	1,010	355	710	267	534
26	516	1,032	360	720	271	542
27	526	1,052	366	732	274	548
28	537	1,074	371	742	277	554
29	548	1,096	377	754	281	562
30	558	1,116	383	766	285	570
31-180 (Daily Additional Premium)	15	30	12	24	9	18

Annual Multi-Trip Travel Insurance

Gold Plan		Silver Plan		Bronze Plan
Individual	Family	Individual	Family	Individual	Family
2,850	5,700	1,950	3,900	1,000	2,000

Major Exclusions

• Non-essential treatment;
• Travel contrary to the advice of a medical practitioner or for the purpose of receiving medical or surgical treatment;
• Any pre-existing condition, congenital or hereditary condition;
• Loss or damage to any mobile phones or their accessories, contact lenses, brittle or fragile items like glass or crystal, and dentures;
• Loss not reported to the local police or airline or other carrier within 24 hours of discovery;
• Loss in an unlocked or unattended vehicle;
• Unexplained loss or mysterious disappearance;
• Loss or damage due to confiscation or detention by Customs or other Government Officials;
• Riding or driving in any kind of motor racing, or engaging in a sport in a professional capacity or where you would or could earn income or remuneration from engaging in such sport;
• Consequential loss of any kind;
• Suicide or intentional self-inflicted injury;
• Insanity, under the influence of drink or drugs, alcoholism, drug addiction or solvent abuse;
• Pregnancy, childbirth or miscarriage, abortion, pre-natal care as well as post-natal care and other complications arising therefrom, or venereal disease;
• Cancellation of trip due to bankruptcy, liquidation, error, omission or default of any travel agency, tour operator or other provider of any service forming part of the booked itinerary;
• Diseases arising from HIV and/or AIDS;
• War, civil war;
• Ionizing radiation or contamination by radioactivity from any nuclear fuel.

Excesses

Section	Excess
Section 3 – Personal Accident Coverage	No payment will be made for the first 3 days of incapacity for Income Benefit. The benefit will also not apply to any unemployed, self-employed or retired Insured Persons
Section 5 – Personal Baggage Coverage	HK$250 each and every claim for golf equipment
Section 9 – Loss of Home Contents due to Burglary During Travel	HK$3,000 each and every claim

Q&A

Tips for Filing a Claim

Please note the following and submit the required supporting documents when filing a claim:

1. Medical expenses
   • Provide the original medical report and receipts showing the patient's name and date of consultation, expenses and diagnosis
   • Provide originals or copies of the air ticket and boarding pass
2. Cancellation and curtailment of trip
   • Provide a completed Claim Form with the reasons of cancellation/curtailment and a breakdown of unused itinerary, items, and costs
   • Provide other documents stating the cause and amount of the loss, e.g., a confirmation letter from the airline company, medical reports, tour receipts, etc.
3. Loss/damage to baggage
   • Report the loss or damage to the local police and other responsible parties, such as the airline company and hotel, if possible
   • Submit a completed Claim Form stating details of the incident and loss, an incident report reference and the full addresses of the police station, airline company and hotel
   • Provide original purchase receipts for the lost/damaged items, if available
   • Provide photos showing the damaged items, if available
   • Please keep the damaged items for the Insurer's inspection if the situation allows
   • If the baggage was damaged/lost in the custody of the airline company, please lodge a written complaint to the airline company immediately and seek compensation from them. Provide a copy of such letter to us as evidence
4. Baggage delay
   • Provide originals or copies of the air ticket and boarding pass
   • Provide written confirmation from the airline company stating the length of the delay
   • Provide a list showing the necessities bought, with original receipts
5. Flight delay
   • Provide originals or copies of the air ticket and boarding pass
   • Provide written confirmation from the airline company stating the length and cause of the delay
   • Provide original receipts if hotel accommodations or alternative transportation means were arranged due to such delay

 

Claims Service Hotline
(852) 2290 3560

 

Note:

1. The general insurance product is underwritten by Paofoong Insurance Company (Hong Kong) Limited ("Paofoong Insurance"). Paofoong Insurance is authorized and regulated by the Insurance Authority to carry on general insurance business in Hong Kong Special Administrative Region.
2. Shanghai Commercial Bank Limited ("The Bank") is the appointed Insurance Agency (Insurance Agency License Number FA3130) of Paofoong Insurance, and the general insurance products are products of Paofoong Insurance but not the Bank. Profoong Insurance reserves the right to decide at its sole discretion to accept or decline any application of the general insurance.
3. Paofoong Insurance is a subsidiary of the Bank.
4. The Bank and Paofoong Insurance reserve the right to amend or terminate the terms and conditions for the relevant premium discount without prior notice to customers. In case of any disputes, the decision of the Bank and Paofoong Insurance shall be final.
5. The above information is for reference only and is intended to be distributed in Hong Kong only, it shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of Paofoong Insurance outside Hong Kong and will not constitute any part of the insurance policy document. Please refer to the policy document and provision issued by Paofoong Insurance for detailed terms and conditions, scope of coverage and exclusions.
6. 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) between the Bank and the customer arising out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product shall be resolved directly between the customer and Paofoong Insurance.
7. In case of any discrepancy between the English and Chinese versions of the above information, the English version shall prevail.

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