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.

• 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.

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

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.