Tiglion Travel Online TravelSafe Travel Insurance Coverage Page

~~~~~~~~~~~~~~ TravelSafe Plus Insurance Brochure ~~~~~~~~~~~~~~
This insurance is underwritten by: Blue Cross (Asia-Pacific) Insurance Limited

SCHEDULE OF BENEFITS		COVERAGE	Maximum Benefits (HK$)
			GLOBAL DIAMOND	GLOBAL GOLD	CHINA BASIC
			Worldwide and China		China Only
Medical Coverage
(1)	Medical Expenses¹	Expenses for qualified medical treatment, surgery and hospitalisation arising from sickness or accidental injury. (Hospital room and board benefit is limited to HK$3,000 per day)	1,000,000	300,000	250,000
	Follow-up Medical Expenses	- Medical expenses reasonably incurred within 90 days after returning to Hong Kong.	100,000	80,000	50,000
		- Bone-setting and acupuncture treatment expenses arising from accidental injury. (Maximum benefit up to HK$200 per visit per day)	3,000	3,000	2,000
(2)	Overseas Hospital Cash Allowance	Daily hospital cash of HK$500 per day if the insured person is hospitalised during the journey.	10,000	5,000	Not Applicable
Worldwide Emergency Aid
(3)	24-Hour Worldwide Emergency Services
	Emergency Evacuation ²	Evacuation of the insured person to the nearest medical facility capable of providing adequate medical care.	Unlimited	Unlimited	Unlimited
	Repatriation ²	Repatriation of the insured person to the place of origin with physician's recommendation.	Unlimited	Unlimited	Unlimited
	Hospital Deposits Guarantee ²	Guaranteed to pay the required hospital admittance fees on behalf of the insured person.	40,000	40,000	40,000
	Additional Costs of Travel and Accommodation (including Caring Visit)	- Travelling expenses of returning the insured person to the place of origin and the additional accommodation incurred by the insured person due to serious medical condition of the insured person. - If the insured person is hospitalised for more than 3 days or has died abroad, additional accommodation and travelling expenses are payable for: up to 2 immediate family members to join the insured person or to handle any matters arising from the incident; OR one immediate family member and one travel companion to join or accompany the insured person or to handle any matters arising from the incident.	50,000	20,000	20,000
	Return of Insured Children	Reasonable additional accommodation and travelling expenses to return the insured person's dependent children below the age of 18 to the place of origin.	40,000	15,000	15,000
	Repatriation of Mortal Remains²	Repatriation of mortal remains of the insured person to the place of origin.	Unlimited	Unlimited	Unlimited
	Burial and Funeral Expenses	Cost of necessary burial and funeral formalities.	20,000	10,000	10,000
	Referral Services		Legal assistance, interpreter, replacement of lost travel document or travel ticket services, etc.
Accident Coverage
(4)	Personal Accident³	Death or permanent disablement as a result of accident (including act of terrorism).	600,000	300,000	300,000
	Public Conveyance Double Benefit⁴	Personal accident benefits will be doubled if the insured person is travelling as a fare paying passenger on board a public conveyance or a mechanically propelled vehicle or vessel arranged by travel agency.	1,200,000	600,000	600,000
(5)	Major Burns	Third-degree burns with burnt areas equal to or greater than 5% of the insured person's head or 10% of the insured person's total body surface area.	300,000	100,000	100,000
Travel Interruption
(6)	Cancellation Charges⁵	Irrecoverable prepaid tour costs and airfares in the event of: - death, serious bodily injury or serious sickness of the insured person, immediate family members, close business partner or travel companion; fire or flood damage to the insured person's home in Hong Kong within 10 days from the scheduled departure date.	30,000	5,000	3,000
(7)	Curtailment of Trip	Unused portion of prepaid travel fare and accommodation deposit and the additional public conveyance expenses incurred for returning 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; natural disaster or unanticipated outbreak of riot or civil commotion at the planned destination that prevents the insured person from continuing with the journey.	30,000	5,000	3,000
(8)	Travel Delay	In the event of delay of scheduled public conveyance over 6 consecutive hours due to adverse weather conditions, natural disasters, unanticipated outbreak of riot or civil commotion, act of terrorism, industrial action, hijack, mechanical breakdown of public conveyance, or closure of airport, the insured person can claim either:
		additional public conveyance expenses OR	10,000	2,500	Not Applicable
		cash allowance of HK$250 for each and every completed 6 consecutive hours of delay	1,000	500	250
	Special Allowance - Airline Wind-up	Additional expenses for alternative travel ticket incurred due to bankruptcy or wind-up of airlines.	2,000	1,000	Not Applicable
(9)	Baggage Delay	Indemnity for 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.	1,500	1,000	500
Personal Property
(10)	Baggage	Loss, physical breakage or damage resulting from theft, robbery, burglary, accident or mishandling by carriers of the insured person's baggage or property.	20,000	5,000	3,000
			20,000	5,000	3,000
		(Maximum limit per article/pair/set of articles)	3,000	2,000	1,000
(11)	Loss of Travel Documents⁶	Reasonable cost incurred of obtaining replacements of travel documents and tickets, additional transportation and accommodation expenses incurred to obtain such replacement arising from theft, robbery, burglary or accidental loss.	20,000	5,000	2,000
			20,000	5,000	2,000
		(Maximum limit for travel expenses and accommodations per day)	2,000	1,000	500
(12)	Personal Money^6,7	Loss of banknotes, cash or travellers cheques due to theft, robbery or burglary.	3,000	2,000	1,000
(13)	Loss of Home Contents	Cost of replacing or repairing of household contents and personal effects of the insured person's unoccupied home in Hong Kong due to burglary during the journey.	25,000	5,000	3,000
			25,000	5,000	3,000
		(Maximum limit per article/pair/set of articles)	5,000	2,000	1,000
Other
(14)	Personal Liability	Indemnity against insured person's legal liability to a third party in respect to accidental bodily injury or property damage due to negligence.	1,500,000	800,000	250,000
(15)	Credit Card Protection	Indemnity for any outstanding balance charged to the insured person's credit card(s) for any goods purchased in the event of accidental death of the insured person during the journey.	30,000	15,000	Not Applicable
(16)	Golfer "Hole-in-One"	One-off bar expenses payable in the event of the insured person achieving a "hole-in-one" at any recognised golf course.	3,000	1,000	500

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	Prior approval from Blue Cross is required before any assistance or payment of deposits is guaranteed.
³	The maximum limit payable under personal accident for an insured person aged below 18 or above 70 is HK$150,000.
⁴	The maximum limit of double benefit payable under personal accident for an insured person aged below 18 or above 70 is HK$300,000.
⁵	The coverage on cancellation charges will be effective 24 hours after the date of policy issuance or within 30 days prior to the commencement of the insurance period.
⁶	When travelling in China, the insured person is eligible to receive emergency cash assistance at the BEA branches in China, in the event that the insured person suffers from loss of personal money in a robbery, or travel documents in a robbery or during an accident. The maximum cash advances are HK$2,000/HK$1,000/HK$500 (or its equivalent amount in RMB) for Global Diamond Plan/Global Gold Plan/China Basic Plan respectively.
⁷	Benefits under personal money are not applicable to insured persons aged below 10.