| BENEFITS |
COVERAGE |
Up to HK$ |
| Plan I |
Plan II |
Children
Plan* |
|
Accidental death/ permanent
total disablement/ total and permanent loss of sight in one or both eyes/ loss by
severance or permanent and total loss of use of one or more limbs. |
1,000,000 |
500,000 |
200,000 |
|
|
Medical Expenses - the cost of
qualified medical treatment, surgery and hospitalization arising from sickness or
accidental bodily injury. |
1,000,000 |
500,000 |
500,000 |
| Additional Costs of Travel
& Accommodation - additional costs of travel & accommodation by an insured family
member or a travelling companion when such costs arise from hospitalization or delay due
to a serious medical condition of Insured Person. |
40,000 |
20,000 |
20,000 |
| Follow-up Expenses - medical,
hospital and treatment expenses reasonable incurred within 90 days of his return to the
place of origin from overseas. (Extends to cover Chinese Bonesetting in Hong Kong) |
100,000 |
100,000 |
100,000 |
| 3) |
24 Hours Emergency Services |
|
Emergency Evacuation -
emergency evacuation to the nearest facility capable of providing adequate medical care. |
Unlimited |
Unlimited |
Unlimited |
| Repatriation - repatriation to
the place of origin if the Physician determines that it is necessary. |
Unlimited |
Unlimited |
Unlimited |
| Hospital Deposits Guarantee -
guarantee any required hospital admittance fees on behalf of Insured Person. |
40,000 |
40,000 |
40,000 |
| Family Member Visit - incurred
up to 2 immediate family members, for the travelling cost to join the Insured Person who
is confined in hospital for more than 3 days or is dead abroad. |
40,000 |
20,000 |
20,000 |
| Return of Children -
reasonable additional accommodation and travelling expenses for unattended insured
children (age below 18) return to the place of origin. |
40,000 |
20,000 |
20,000 |
| Burial and Funeral -
transportation charges for repatriation of the mortal remains to the place of origin. |
40,000 |
20,000 |
20,000 |
| Referral Services - all
referral services such as legal assistance, interpreter, obtaining replacement of lost
travel documents, etc. |
¡@ |
¡@ |
¡@ |
| 4) |
Hospital Cash Allowance |
|
HK$500 for each complete day
in hospital to meet those extra expenses. |
10,000 |
5,000 |
5,000 |
|
If the Insured Person suffers
Third Degree Burns with burnt areas equal to or greater than 5% of his total body surface
area. |
200,000 |
100,000 |
100,000 |
|
|
Loss, physical breakage or
damage directly resulting from accident, theft, burglary, or mishandling by carriers to an
Insured Person's baggage or personal property carried. The limit for each item, pair or
set shall be HK$3,000. |
20,000 |
10,000 |
5,000 |
| Additional Cover - Loss of
Laptop Computer |
10,000 |
5,000 |
N/A |
| (Deductible Amount) |
(1,000) |
(500) |
N/A |
|
Emergency purchases of
essential items of toiletries and clothing consequent upon temporary deprivation of
baggage for at least 6 hours from the time of arrival at destination abroad due to delay
or misdirection in delivery. << This part is not applicable when an insured person
already reach place of residence.>> |
1,000 |
500 |
500 |
|
|
Reimbursement of irrecoverable
prepaid tour costs and airfares in the event of death, serious sickness or bodily injury
of Insured Person, immediate family members or a travelling companion who is insured under
this insurance or close business partner of an insured, witness summons, jury service,
compulsory quarantine or serious damage to the insured person's principal home in Hong
Kong arising from fire or flooding within 10 days from the departure date. |
30,000 |
10,000 |
10,000 |
|
Additional Travel Cost -
public transportation expenses necessarily incurred as a direct consequence of airline or
other public transportation is delayed due to serious weather condition, industrial
action, hijack, mechanical derangement, but only if the Insured has to re-route his trip
as the result of cancellation of the transportation prior confirmed. |
5,000 |
3,000 |
3,000 |
| Cash Allowance - if the
Insured need not to pay additional travelling cost in the event of travel delay, the
Insured will be indemnified with $250 for each time 6-hour period delay. |
1,000 |
750 |
750 |
|
|
Irrecoverable unused portion
of prepaid transport or accommodation charges and the additional public transportation
expenses returning to the place of origin as a direct result of death, serious bodily
injury/sickness of an Insured Person, immediate family members or a travelling companion
who is insured under this insurance, or close business partner of an Insured, or of the
hi-jack of an aircraft or conveyance in which the Insured Person is travelling as a
fare-paying passenger. |
30,000 |
10,000 |
10,000 |
| 11) |
Loss of Travel Document |
|
Document replacement costs and
additional travel & accommodation expenses reasonably incurred. |
30,000 |
10,000 |
10,000 |
|
|
Loss of cash, banknote and
travelers cheques arising from theft, burglary or robbery. |
3,000 |
2,000 |
2,000 |
| 13) |
Loss of Home Contents |
|
The loss of or damage to the
contents or personal effects of the Insured Person's principal home as a result of
burglary accompanied by forcible and violent entry to or exit from the premises whilst the
home is unoccupied during the period of travel. |
25,000 |
5,000 |
N/A |
|
|
Indemnity against legal
liability to a third party as a result of accidental bodily injury or loss or damage to
property during the Period of Insurance. << This benefit does not apply to the use
or hire of motor vehicles.>> |
1,000,000 |
500,000 |
500,000 |
Annual Premium |
1,880 |
1,480 |
1,280 |
