Priority Banking
Revolving Cash Card
Partner
Global Outlook
Travel Insurance
Enjoy Peace of Mind with Global Protection
There are three things you should not travel without. Your passport, money and insurance. A comprehensive travel insurance plan is like a friend in a land of strangers. It gives you peace of mind and allows you to enjoy your travel with global protection.
Travel Insurance Policy* Offering Superior Benefits
While other travel insurance plans may cover you for just the usual eventualities, the Travel Insurance Policy offers added benefits that surpass usual industry standards:
- No excess for all benefits with more savings for you.
- Full coverage on amateur sports^ with no extra premium.
- Home Contents Cover up to HK$20,000 if your home is broken into by thieves during your travel. Free extension of cover up to 30 days after you return to Hong Kong (for single trip only).
- Free Personal Accident coverage of up to HK$50,000 for your domestic servant.
- Up to 14 days automatic extension of cover if your trip is delayed due to unforeseen events covered under the policy.
| * | Travel Insurance is underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG") which is a general insurer authorised and regulated by the Commissioner of Insurance of the Hong Kong Special Administrative Region. Standard Chartered Bank (Hong Kong) Limited ("SCBHK") is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information. |
24-hour Assistance Hotline
In the event of an accident or illness that requires emergency assistance whilst overseas, the service centre will help direct you to the most appropriate medical facilities available. The assistance services include emergency evacuation and repatriation and miscellaneous non-medical assistance.
| ^ | Such as bungee jumping, hang gliding, parachuting, rafting, water skiing, jet skiing, trekking, scuba diving, mountaineering, rock climbing and skiing. |
Benefit Table
| Benefits | Maximum Benefit (HK$) | |
| Standard | Deluxe | |
Personal Accident
|
500,000 | 1,000,000 |
Double Indemnity
|
1,000,000 | 2,000,000 |
Medical Expenses
|
400,000 | 800,000 |
Hospital Cash
|
3,000 | 6,000 |
Emergency Medical Evacuation
|
2,000,000 | 2,000,000 |
Trip Cancellation or Curtailment
|
25,000 | 40,000 |
Travel Delay
|
1,200 | 2,800 |
Missed Departure
|
6,000 | 12,000 |
Loss of Passport
|
2,000 | 2,000 |
Loss of Baggage
|
9,000 | 15,000 |
Delay of Baggage
|
1,000 | 2,000 |
Personal Money
|
2,000 | 5,000 |
Personal Documents
|
2,000 | 5,000 |
Personal Liability
|
1,000,000 | 2,000,000 |
Home Contents Cover (for single trip only)
|
10,000 | 20,000 |
| * | Fare-paying passengers include the insured persons who redeem their air tickets from any Frequent Flyer Programme or Bonus Point Programme. |
| Notes: | |
| 1 | There is no minimum age limit for the plan while the maximum age limit is 75 years old. |
| 2 | The maximum Personal Accident Benefit for insured person aged below 17 is HK$250,000. Double Indemnity is not applicable. Other benefits are covered up to full amount. Insured person aged below 12 must be accompanied by a parent or guardian. |
| 3 | The Double Indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 17 or over 75 years of age at the time of an accident. |
| 4 | Amateur Sports includes bungee jumping, hang gliding, parachuting, rafting, water skiing, jet skiing, trekking, scuba diving, mountaineering, rock climbing and skiing. |
| 5 | 24-Hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong Special Administrative Region. |
Premium Table
| Single Trip | Premium (HK$) | |||||||
| Period of Insurance | Individual | Individual & Spouse1 | Individual & Children2 | Family3 | ||||
| Standard | Deluxe | Standard | Deluxe | Standard | Deluxe | Standard | Deluxe | |
| 1 - 3 Days | 130 | 160 | 247 | 304 | 221 | 270 | 338 | 416 |
| 4 - 5 Days | 138 | 186 | 262 | 344 | 235 | 307 | 359 | 484 |
| 6 - 8 Days | 178 | 248 | 338 | 458 | 299 | 409 | 453 | 644 |
| 9 - 15 Days | 270 | 405 | 513 | 749 | 446 | 668 | 675 | 1,053 |
| 16 - 24 Days | 380 | 545 | 703 | 1,008 | 627 | 899 | 950 | 1,417 |
| 25 - 31 Days | 460 | 660 | 874 | 1,221 | 759 | 1,089 | 1,150 | 1,716 |
| Each additional week | 84 | 110 | 155 | 209 | 139 | 182 | 210 | 286 |
| 1Individual & Spouse: | Husband and Wife |
| 2Individual & Children: | Father or Mother travelling with Child(ren) under 17 years of age |
| 3Family: | Husband and Wife travelling with Child(ren) under 17 years of age |
| Premium (HK$) | |||
| Annual Cover | Standard | Deluxe | |
| Per Adult (17 to 75 years of age) | 1,200 | 1,700 | |
| Per Child (under 17 years of age) | 1,050 | - | |
| Remarks: | |
| • | The above premium is updated as of 1 January 2011. |
| • | There is no minimum age limit for the plan while the maximum limit is 75 years old. |
| • | There is no limit on the number of children covered under "Individual & Children" and "Family" policy plan. |
| • | Maximum period covered is 182 days for single trip and 90 days per trip for annual cover. |
| • | No refund of premium is allowed once the Certificate of Insurance has been issued for single trip. |
Major Exclusions
The exclusions include any pre-existing injury or sickness, act of war, terrorism, participation in illegal act, professional sports, pregnancy, childbirth, suicide, self-inflicted injury, AIDS, flying other than as a fare-paying passenger* etc.
* Fare-paying passengers include the insured persons who redeem their air tickets from any Frequent Flyer Programme or Bonus Point Programme.
| Important Notes: |
| The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain terms and conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the terms of the policy, the terms of the policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the relevant policy or contact MSIG Insurance (Hong Kong) Limited ("MSIG"). |
| Travel Insurance, offered by MSIG, is only available for subscription by residents of the Hong Kong Special Administrative Region, subject to the relevant terms and conditions. |
