Travel Plus 2.0
Subject to terms and conditions
You fall sick or have an accident during your trip.
Your baggage, personal effects or travel documents are stolen; your credit card is used fraudulently; your baggage is lost or delayed during your trip.
You have to compensate others if you break something or hurt someone negligently.
You have to cancel or shorten your trip for an emergency, but cannot get a refund or extra cost is incurred.
|Item||Summary of Benefit||Maximum Limit Per Insured Person (HK$)|
|VIP Plan||Classic Plan|
|1||Medical & Related Expenses||1,000,000||500,000|
|2||Worldwide Emergency Assistance Service||Full Covered||Full Covered|
|4||Baggage & Personal Effects||25,000||15,000|
|6||Personal Money & Travel Documents||6,000||4,000|
|8||Travel Delays, Trip Re-routing, Missed Journey & Overbooking||10,000||5,000|
|9||Loss of Deposit on Cancellation of Trip||50,000||25,000|
General Exclusions Applicable to All Sections
- Government acts
- Nuclear hazards
- Lack of reasonable care and attention
- Racing (other than on foot), motor sports or aviation (other than as a fare-paying passenger in aircraft of passengers by air)
- Activities engaging in sports or games in a professional capacity
- Self-indicted injury or illness
- Alcoholism or drug abuse
- Pre-existing medical conditions
- Venereal disease, AIDS or AIDS related complex
- Pregnancy, miscarriage of child birth and all complications thereof
Cancellation (Applicable to Annual Cover Only)
We may cancel this Policy by sending 30 days notice by registered letter to the Insured at his/her last known address and, in such event, the Insured shall become entitled to the return of a proportionate part of the premium corresponding to the unexpired portion of the period of insurance.
The Insured may also cancel the Policy by sending 30 days written notice to Us. We shall then refund (provided no claim has arisen during the current period of insurance) the unexpired portion of premium of the period of insurance to the Insured subject to a minimum premium of 50% of the annual premium paid.
If the Insured makes his own request with us to cancel the policy, we will deduct the following administrative costs in advance, and then refund the unexpired insurance premium.
|Annual Cover||50% of the annual premium paid|
Remarks: The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.