Insurance

 
 

How to apply

Online application discount:30%

Discount for Public Bank (Hong Kong)
Credit Card cardholders*: 40%.

 

 *Prior registration is required to enable Internet transaction. Click here to download Internet transaction registration form

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. 

 

Notes:

  1. The insurance plan is underwritten by Asia Insurance Company Limited. Public Bank (Hong Kong) Limited is an appointed insurance agent of Asia Insurance Company Limited.
  2. The above information is for reference only and is intended to be distributed in Hong Kong only. Please refer to the policy provisions for detailed terms & conditions and exclusions.

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)