Public Travel Insurance

1. Personal Accident

Provide indemnity if the Insured Person sustain accidental bodily injury (including accidental death, permanent total disablement, loss of limbs or loss of eyesight). The standard Capital Sum of HK$500,000 for adults can be increased by multiples of HK$250,000 through payment of an additional premium.

Dangerous Sports Extension
Personal Accident benefits due to dangerous sports activities (hunting, climbing necessitating use of ropes or guides, winter sports, under-water activities other than scuba diving) are also payable up to 50% of the Capital Sum.

Public Conveyance Extra Benefit
Insured Person whilst travelling as a fare-paying passenger on board a public conveyance suffers death or permanent total disablement, the Capital Sum will be increased by 50% subject to a maximum amount of HK$2M per Insured Person.

2. Medical Expenses

Medical and surgical fees, hospital charges, and emergency dental treatment incurred overseas as a result of sudden sickness or accidental bodily injury.

Follow-up Expenses
Medical expenses reasonably incurred within 30 days after the return to Hong Kong SAR including bone-setting & acupuncture treatment arising from accidental bodily injury.

Dangerous Sports Extension
Medical Expenses reasonably incurred due to dangerous sports activities up to 50% of the Maximum Limit.

Overseas Hospital Cash Allowance
HK$200 per each complete day of Insured Person’s hospital confinement outside Hong Kong SAR.

3. Worldwide Emergency Medical Assistance Services

Emergency Medical Evacuation & Repatriation
Arrange and pay for evacuation of sick or injured Insured Person to adequately equipped hospital or repatriation to Hong Kong SAR after overseas treatment by (if medically necessary) specially-arranged transport and accompanied by medical personnel with support facilities.

Hospital Deposit Guarantee
Provide guarantee to facilitate admission into hospital.

Repatriation of Unattended Children
Air passage (economy fare) for return to Hong Kong SAR (including cost of engaging qualified companion) for children left unattended due to Insured Person’s death or his being hospitalized.

Compassionate Visit
Round trip economy air passage and hotel accommodation for a relative to visit the Insured Person who has been hospitalized overseas for more than 7 days.

Repatriation of Mortal Remains
Expenses incurred in transporting the body or ashes of deceased Insured Person back to Hong Kong SAR or funeral expenses incurred overseas.

Worldwide 24-hour Emergency Assistance
24-hour enquiry hotline for medical assistance, travel or routing information, legal advice.

4. Cancellation & Curtailment

Loss of advance payments/deposits or additional transportation and accommodation expenses incurred as a result of cancellation or curtailment of intended journey due to injury or sickness of Insured Person or other unexpected mishaps.

5. Personal Luggage

Loss or damage to luggage and personal effects, including golf equipment and purchases during journey.

Luggage Delay
Expenses incurred for emergency purchases of essential items of requisites due to at least 8 hours deprivation of luggage from the time of arrival at destination outside Hong Kong SAR due to delay or misdirection in delivery.

Lost of Travel Document
Loss of cash or travellers’ cheques, or unauthorized use of lost credit cards.

6. Loss of Money

Loss of cash or travellers’ cheques, or unauthorized use of lost credit cards.

7. Flight Delay

Additional transportation expenses or cash allowance in event of delayed departure of public conveyance for more than 8 consecutive hours due to adverse weather conditions, strike, hijack, or mechanical breakdown of public conveyance.

8. Personal Liability

Indemnity against legal liability to third parties in respect of bodily injury or property damage.

Important Notice:
This is a brief description of insurance coverages. Please refer to the policy document for details of insurance conditions and exceptions. If there is any conflict between the English version and the Chinese version of this document, the English version shall prevail.

	Benefits	*Maximum Limits (HK$)**
(1)	Personal Accident	Adult $500,000 Children aged 16 or below $250,000
(2)	Medical Expenses (hospital room & board charges – HK$2,500 per day) Follow-up Expenses Bone-setting & acupuncture treatment Overseas Hospital Cash Allowance	Adult $1,000,000 Children aged 16 or below $500,000 $50,000 $5,000 ($150 per day) $6,000 ($200 per day )
(3)	Worldwide Emergency Medical Assistance Services# Emergency Medical Evacuation & Repatriation Hospital Deposit Guarantee Repatriation of Unattended Children Compassionate Visit Repatriation of Mortal Remains Worldwide 24-hour Emergency Assistance	Unlimited $40,000 $40,000 $40,000 ($1,200 per night for 5 nights) $30,000
(4)	Cancellation & Curtailment Personal Luggage	$30,000 3,000 each article $15,000 in total
(5)	Luggage Delay Lost of Travel Document	$2,000 $2,000
(6)	Loss of Money	$4,000
(7)	Flight Delay Additional Public Conveyance Expense OR Cash Allowance	$5,000 $2,500 (HK$250 for each full 8-hour delay)
(8)	Personal Liability	$2,000,000

Premiums

Travel Period up to	Travelling In Asia	Travelling Worldwide	Extra P.A. Protection each HK$250,000
2 days	95	127	20
3 days	105	134	22
4 days	115	145	24
5 days	125	159	26
6 days	134	169	28
7 days	142	184	30
8 days	150	198	32
9 days	157	213	34
10 days	165	227	36
11 days	171	241	38
12 days	177	255	40
13 days	183	268	42
14 days	189	281	44
15 days	195	294	46
16 days	201	307	48
17 days	210	320	50
18 days	215	333	52
19 days	220	346	54
20 days	225	358	56
21 days	230	375	58
22 days	240	392	60
23 days	245	406	62
24 days	250	428	64
25 days	255	450	66
26 days	260	472	68
27 days	265	494	70
28 days	270	516	72
29 days	275	538	74
30 days	280	560	76
31 days	285	582	78
> 31 days	Refer to the Company

Major Exclusions

Loss or damage due to war, terrorism, nuclear risks;
Self-inflicted injuries, criminal or unlawful acts, pregnancy, psychological disturbances, pre-existing health conditions; alcoholism, drug addiction, venereal disease, AIDS or AIDS related complex, acute altitude disease;
Loss or damage to mobile phone, portable telecommunication device or data storage equipment;
Dangerous sports and activities unless specifically extended;
Loss of money not reported to the police within 24 hours.

Asia Countries List

“Asia” includes: Brunei, Cambodia, China, Guam, Indonesia, Japan, Korea, Laos, Macau, Malaysia, Myanmar, Philippines, Singapore, Taiwan, Thailand, and Vietnam.

Policy Wording

Eligibility

From 6 months up to age of 70
Persons aged over 70 shall be subject to special conditions

Cancellation/Amendment Policy

Cancellation or amendment of policy must be made before the effective date and is subjected to the bank’s approval. Moreover, an administrative fee of HK$100 will be charged.

Underwritten by Asia Insurance

Customer Hotline: (852) 8107 0818
e-Banking Support Hotline: (852) 2541 9206

Worldwide 24 Hours Emergency Assistance Hotline: (852) 2861 9232

Please quote your insurance policy number.
Emergency Assistance Hotline (collect call)

Insurance

Public Travel Insurance

How to apply