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Highlights Coverage & Benefits Premium Policy Terms Exclusions Claim Apply

~~~~~~~~~~~~~~ Annual Infinity Travel Insurance Pass ~~~~~~~~~~~~~~
This insurance is underwritten by: Blue Cross (Asia-Pacific) Insurance Limited

~~~~~~~~ Schedule of Benefits ~~~~~~~~

Schedule of Benefits Maximum Limit (HK$)  
Worldwide
Plan A
Worldwide
Plan B
China
Plan
Medical Coverage
(1) Medical Expenses1 1,000,000 500,000 300,000 Expenses for qualified medical treatment, surgery, and hospitalisation arising from sickness or accidental injury.
(Hospital room & board benefit is limited to HK$3,000 per day)

  Follow-up Medical Expenses in Hong Kong 100,000 50,000 30,000 a. Medical expenses reasonably incurred within 90 days after returning to Hong Kong provided that medical treatment has first been sought overseas. (Inclusive of sub-limit for item b)
    3,000 3,000 2,000 b. Chinese bone-setting and acupuncture treatment expenses arising from accidental injury.
(Maximum benefit up to HK$200 per visit per day)


  Trauma Counselling 20,000 20,000 20,000 Medical expenses reasonably incurred in the event that the insured person is diagnosed as suffering from a post-traumatic stress disorder by a physician as a direct result of serious accident or incident during the journey and requires counselling service.
(Maximum benefit up to HK$2,000 per visit per day)

(2) Overseas Hospital or Quarantine Cash Allowance

       
  Overseas Hospital Cash Allowance 10,000 5,000 2,000 For each complete day of hospital confinement during the journey, a daily hospital cash allowance of HK$500 for Worldwide Plan and HK$250 for China Plan will be payable.

  Compulsory Quarantine Cash Allowance 10,000 10,000 10,000 For each complete day of compulsory quarantine due to infection with an infectious disease during the journey or within 7 days upon return to Hong Kong, a daily cash allowance of HK$500 will be payable.

Worldwide Emergency Aid
(3) 24-hour Worldwide Emergency Services

       
  Emergency Evacuation Unlimited Unlimited Unlimited Evacuation of the insured person to the nearest medical facility capable of providing adequate medical care.

  Repatriation Unlimited Unlimited Unlimited Repatriation of the insured person to the place of origin at physician's recommendation.

  Hospital Deposit Guarantee 40,000 40,000 40,000 Guaranteed payment of the required hospital admittance fees on behalf of the insured person.

  Additional Costs of Travel and Accommodation (including Caring Visit) 50,000 20,000 20,000 - Travelling expenses of the insured person to return to the place of origin and the additional accommodation costs incurred by the insured person due to his/her serious medical condition.

- If the insured person is hospitalised for more than 3 days or has died abroad, additional accommodation and travelling expenses are payable for:
a. up to 2 immediate family members to join the insured person; or
b. one immediate family member and one travel companion to join or accompany the insured person.

  Return of Insured Children 40,000 20,000 20,000 Reasonable additional accommodation and travelling expenses to return the insured person's dependent children below the age of 18 to the place of origin.

  Repatriation of Mortal Remains Unlimited Unlimited Unlimited Repatriation of mortal remains of the insured person to the place of origin.

  Compassionate Death 20,000 10,000 10,000 Indemnity provided to the legal estate of the insured person in the event of death of the insured person as a result of serious bodily injury or serious sickness.

  Referral Services Included Included Included Enquiry and referral services including legal assistance, interpreter, replacement of lost travel document or travel ticket, etc.

Accident Coverage
(4) Personal Accident2 1,000,000 500,000 300,000 In the event of the death or permanent disablement of the insured person as a result of an accident (including an act of terrorism), basic benefits (Insured events nos.1 to 2.7) are payable according to the Insured Events for Personal Accident.

(5) Major Burns 300,000 100,000 100,000 Third-degree burns with a burnt area equal to or greater than 5% of the insured person's head or 10% of the insured person's total body surface area.

Travel Interruption Coverage
(6) Cancellation Charges3 30,000 10,000 5,000 Irrecoverable prepaid tour costs, airfares, and admission fees for major sports events, musicals, concerts, museums, and theme parks in the event of:

- death, serious bodily injury or serious sickness of the insured person, immediate family members, close business partner or travel companion; or

- natural disaster or unanticipated outbreak of epidemic disease/industrial action/riot/civil commotion at the planned destination within 1 week before the scheduled departure date; or

- fire or flood damage to the insured person's home in Hong Kong within 10 days before the scheduled departure date.

(7) Curtailment of Trip 50,000 25,000 5,000 Unused portion of the prepaid travel fare and accommodation deposit, and admission fees for major sports events, musicals, concerts, museums and theme parks, and the additional public conveyance expenses incurred for the insured person to return to the place of origin as a direct result of:

- death, serious bodily injury, or serious sickness of the insured person, immediate family members, close business partner, or travel companion; hijack; adverse weather conditions, natural disaster, or unanticipated outbreak of epidemic disease/industrial action/riot/civil commotion at the planned destination that prevents the insured person from continuing the journey.

(8) Travel Delay       In the event of delay of scheduled public conveyance due to adverse weather conditions, natural disaster, unanticipated riot or civil commotion, act of terrorism, industrial action, hijack, mechanical breakdown of public conveyance, or closure of airport, any one of the following benefits may be payable:

    1,000 500 250 - cash allowance of HK$250 for each and every completed 6 consecutive hours of delay; or

   
10,000
3,000

2,500
2,000

Not Applicable
1,000
- additional travel expenses:
a. public conveyance expenses;
b. overseas accommodation costs; or

    3,000 3,000 1,000 - cancellation charges due to travel delay of departure from Hong Kong for at least 10 consecutive hours.

  Special Allowance - Airline Wind-up 2,000 1,000 500 Additional expenses for alternative travel ticket(s) purchased due to bankruptcy or wind-up of airlines.

(9) Baggage Delay 1,000 500 500 Allowance in the event of deprivation of baggage for at least 6 hours from the time of arrival at destination abroad due to delay or misdirection in delivery by a public conveyance.

Personal Property Coverage
(10) Baggage 20,000 10,000 5,000 Loss, physical breakage, or damage resulting from theft, robbery, burglary, accident, or mishandling by carriers of the insured person's baggage or property.

    5,000 3,000 3,000 Sports equipment: maximum limit per article/pair/set of articles
    3,000 2,000 2,000 Other baggage: maximum limit per article/pair/set of articles
    10,000 5,000 5,000 Portable computers (maximum limit)
    3,000 2,000 2,000 Business samples (maximum limit)

(11) Loss of Travel Documents 30,000 10,000 3,000 Reasonable costs incurred for obtaining replacements of travel documents and tickets, and additional transportation and accommodation expenses incurred to obtain such replacements arising from theft, robbery, burglary, or accidental loss.
    2,000 1,000 500 (Maximum limit for travel expenses and accommodation per day)

(12) Personal Money4 3,000 2,000 1,000 Loss of banknotes, cash or traveller's cheques due to theft, robbery, or burglary.

(13) Loss of Home Contents 25,000 5,000 3,000 Cost of replacing or repairing household contents and personal effects of the insured person's unoccupied home in Hong Kong due to burglary during the journey.
    5,000 2,000 1,000 (Maximum limit per article/pair/set of articles)

Other Coverage
(14) Personal Liability 1,500,000 1,000,000 500,000 Indemnity against insured person's legal liability to third parties in respect of accidental bodily injury or property damage due to negligence.

(15) Credit Card Protection 30,000 15,000 5,000 In the event of accidental death of the insured person during the journey, reimbursement to estate of the insured person for any outstanding balance charged to the insured person's credit card(s) for any goods purchased during the journey

(16) Golfer "Hole-in-One" 3,000 1,000 500 One-off bar expenses payable in the event of the insured person achieving a "hole-in-one" at any recognised golf course.

(17) China Medical Card Included Included Included In the event of injury or sickness requiring hospitalisation in Mainland China, a China Medical Card admits entry to over 200 network hospital or medical units without paying any deposit.

  1. The maximum limit payable under medical expenses is 50% of the maximum benefit limit applicable to the plan selected for an insured person aged above 70.
  2. The maximum limit payable under personal accident is 30% of the maximum benefit limit applicable to the plan selected for an insured person aged below 18 or above 70.
  3. The benefit payable will be based on 50% of the irrecoverable amount arising from the cancellation of a journey due to serious bodily injury or serious sickness suffered by the insured person, his/her immediate family members, close business partner, or travel companion not resulting in hospital confinement.
  4. Personal money benefits are not applicable for person aged below 10.

~~~~~~~~ Enhanced Personal Accident Benefit ~~~~~~~~
You can opt for the Enhanced Personal Accident Benefit for more comprehensive insured events.
Apart from the basic benefits (Insured events nos. 1 to 2.7), you can also enjoy the enhanced benefits (Insured events nos. 2.8 to 2.18) listed below.

Insured Events for Personal Accident Benefits Payable
(Percentage of Maximum Limit)
1 Accidental death 100%
2 Permanent disablement (2.1 to 2.18)
2.1 Permanent total disablement 100%
2.2 Permanent and incurable paralysis of all limbs 100%
2.3 Permanent total loss of sight of both eyes 100%
2.4 Permanent total loss of sight of one eye 50%
2.5 Loss of or permanent total loss of use of two limbs 100%
2.6 Loss of or permanent total loss of use of one limb 50%
2.7 Permanent total loss of speech and hearing 100%
2.8 Permanent total loss of hearing in
  • both ears
  • one ear
 
75%
15%
2.9 Permanent total loss of speech 50%
2.10 Permanent total loss of the cornea of one eye 30%
2.11 Removal of the lower jaw by surgical operation 30%
2.12 Loss of or permanent total loss of use of thumb and four fingers of*
  • right hand
  • left hand
 
70%
50%
2.13 Loss of or permanent total loss of use of four fingers of*
  • right hand
  • left hand
 
40%
30%
2.14 Loss of or permanent total loss of use of one thumb*
  • both right joints
  • one right joint
  • both left joints
  • one left joint
 
30%
15%
20%
10%
2.15 Loss of or permanent total loss of use of fingers (except thumbs)*
  • three right joints
  • two right joints
  • one right joints
  • three left joints
  • two left joints
  • one left joints
 
10%
7.5%
5%
7.5%
5%
2%
2.16 Loss of or permanent total loss of use of toes
  • all toes (one foot)
  • great toe (both joints)
  • great toe (one joint)
  • other toe
 
15%
5%
3%
2%
2.17 Fractured leg or patella with established non-union 10%
2.18 Shortening of leg of not less than 5 cm 7.5%

* In the event that the insured person is left-handed, the applicable percentages for left and right hands as shown in 2.12 to 2.15 shall be reversed.

Please contact Tiglion Travel at Tel 852-25117189 , fax 852-25197296 or email travel@tiglion.com for application of BlueCross Annual Travel Insurance.

This brochure is for reference only. Please refer to the actual policy for exact terms and conditions.
 
The above information is only a summary for general reference only.
All insurance transaction must be arranged within the territory of the Hong Kong SAR.

Tiglion Travel Services Company Limited (Lic 350005) and (Insurance Agent Reg 95903303)
[ Insurance Agent for Blue Cross (Asia-Pacific) Insurance Limited ]
Rm 902 Yue Xiu Building, 160-174 Lockhart Road, Wanchai, Hong Kong
Tel 852-25117189   Fax 852-25197296

Email: travel@tiglion.com Website: http://www.travel.com.hk 
Copyright (c) 1995 - Tiglion Consultancy Company Limited. All rights reserved.