Take me straight to
- Section 1 – Personal Accident
- Section 2 – Medical and Other Expenses
- Section 3 – Emergency Assistance
- Section 4 – Overseas Hospital Cash
- Section 5 - Baggage and Personal Effects
- Section 6 – Delayed Baggage (over 6 hours)
- Section 7 – Personal Money/ Unauthorised Use of Credit Card and Travel Documents
- Section 8 - Personal Liability
- Section 9 – Travel Delay (over 6 hours) [(9A and/or 9B) OR 9C]
- Section 10 – Trip Cancellation and Trip Curtailment
- Section 11 – Missed Event
- Section 12 – Rental Vehicle Excess
- Section 13 - China Medical Card (Optional for MultiTrip TravelSurance only)
Personal Accident | Asia - Basic |
Asia - Standard |
Worldwide - Basic |
Worldwide - Standard |
---|---|---|---|---|
Section Limit |
500,000 |
1,200,000 |
800,000 |
2,000,000 |
Personal Accident Accidental Death and Permanent Disablement |
500,000 |
1,200,000 |
800,000 |
2,000,000 |
Credit Card Protection (Not applicable to children) Covers outstanding credit card balance payable by the Insured Person for items and sundries purchased and charged to such card while outside Hong Kong SAR during a trip in the event of accidental death of an Insured Person outside Hong Kong SAR. |
5,000 |
5,000 |
5,000 |
5,000 |
Personal Accident |
Section Limit |
---|---|
Asia - Basic |
500,000 |
Asia - Standard |
1,200,000 |
Worldwide - Basic |
800,000 |
Worldwide - Standard |
2,000,000 |
Personal Accident |
Personal Accident Accidental Death and Permanent Disablement |
Asia - Basic |
500,000 |
Asia - Standard |
1,200,000 |
Worldwide - Basic |
800,000 |
Worldwide - Standard |
2,000,000 |
Personal Accident |
Credit Card Protection (Not applicable to children) Covers outstanding credit card balance payable by the Insured Person for items and sundries purchased and charged to such card while outside Hong Kong SAR during a trip in the event of accidental death of an Insured Person outside Hong Kong SAR. |
Asia - Basic |
5,000 |
Asia - Standard |
5,000 |
Worldwide - Basic |
5,000 |
Worldwide - Standard |
5,000 |
Medical and Other Expenses | Asia - Basic |
Asia - Standard |
Worldwide - Basic |
Worldwide - Standard |
---|---|---|---|---|
Section Limit |
600,000 |
5,000,000 |
1,000,000 |
5,000,000 |
1. Medical Treatment Expenses1 Covers medical expenses, additional accommodation and travelling expenses due to accidental bodily injury or sickness sustained during trip abroad. |
Fully Covered |
Fully Covered |
Fully Covered |
Fully Covered |
2. Family Member travelling overseas to visit hospitalised Insured Person Covers family member's accommodation and travelling expenses if the Insured Person is confined in an overseas hospital due to his/ her accidental bodily injury or sickness. |
30,000 (1 person) |
80,000 (1 person) |
30,000 (1 person) |
80,000 (1 person) |
3. Follow-up Medical Treatment within 3 months of end of trip Covers follow-up medical treatment upon return to Hong Kong SAR due to accidental bodily injury or sickness sustained during trip abroad. |
Fully Covered |
Fully Covered |
Fully Covered |
Fully Covered |
4. Returning Your Children to HK Covers additional accommodation and travelling expenses for returning Insured Person’s unattended children aged below 18, back to Hong Kong SAR in the event of Insured Person being confined in an overseas hospital due to his/ her accidental bodily injury or sickness. |
60,000 |
Fully covered |
60,000 |
Fully covered |
5. Translation Service in Overseas Hospital Covers costs of hiring a translator whilst confined in overseas hospital. |
5,000 (500 per day) |
5,000 (500 per day) |
5,000 (500 per day) |
5,000 (500 per day) |
6. Trauma Counselling Pays for the counseling fees if the Insured Person is a witness and /or victim of a traumatic event. |
Not covered |
25,000 |
Not covered |
25,000 |
Limit for Chinese Medicine Practitioner2 for benefits 1 & 3 above |
1,000 (100 / day) |
1,000 (100 / day) |
1,000 (100 / day) |
1,000 (100 / day) |
Medical and Other Expenses |
Section Limit |
---|---|
Asia - Basic |
600,000 |
Asia - Standard |
5,000,000 |
Worldwide - Basic |
1,000,000 |
Worldwide - Standard |
5,000,000 |
Medical and Other Expenses |
1. Medical Treatment Expenses1 Covers medical expenses, additional accommodation and travelling expenses due to accidental bodily injury or sickness sustained during trip abroad. |
Asia - Basic |
Fully Covered |
Asia - Standard |
Fully Covered |
Worldwide - Basic |
Fully Covered |
Worldwide - Standard |
Fully Covered |
Medical and Other Expenses |
2. Family Member travelling overseas to visit hospitalised Insured Person Covers family member's accommodation and travelling expenses if the Insured Person is confined in an overseas hospital due to his/ her accidental bodily injury or sickness. |
Asia - Basic |
30,000 (1 person) |
Asia - Standard |
80,000 (1 person) |
Worldwide - Basic |
30,000 (1 person) |
Worldwide - Standard |
80,000 (1 person) |
Medical and Other Expenses |
3. Follow-up Medical Treatment within 3 months of end of trip Covers follow-up medical treatment upon return to Hong Kong SAR due to accidental bodily injury or sickness sustained during trip abroad. |
Asia - Basic |
Fully Covered |
Asia - Standard |
Fully Covered |
Worldwide - Basic |
Fully Covered |
Worldwide - Standard |
Fully Covered |
Medical and Other Expenses |
4. Returning Your Children to HK Covers additional accommodation and travelling expenses for returning Insured Person’s unattended children aged below 18, back to Hong Kong SAR in the event of Insured Person being confined in an overseas hospital due to his/ her accidental bodily injury or sickness. |
Asia - Basic |
60,000 |
Asia - Standard |
Fully covered |
Worldwide - Basic |
60,000 |
Worldwide - Standard |
Fully covered |
Medical and Other Expenses |
5. Translation Service in Overseas Hospital Covers costs of hiring a translator whilst confined in overseas hospital. |
Asia - Basic |
5,000 (500 per day) |
Asia - Standard |
5,000 (500 per day) |
Worldwide - Basic |
5,000 (500 per day) |
Worldwide - Standard |
5,000 (500 per day) |
Medical and Other Expenses |
6. Trauma Counselling Pays for the counseling fees if the Insured Person is a witness and /or victim of a traumatic event. |
Asia - Basic |
Not covered |
Asia - Standard |
25,000 |
Worldwide - Basic |
Not covered |
Worldwide - Standard |
25,000 |
Medical and Other Expenses |
Limit for Chinese Medicine Practitioner2 for benefits 1 & 3 above |
Asia - Basic |
1,000 (100 / day) |
Asia - Standard |
1,000 (100 / day) |
Worldwide - Basic |
1,000 (100 / day) |
Worldwide - Standard |
1,000 (100 / day) |
Emergency Assistance | Asia - Basic |
Asia - Standard |
Worldwide - Basic |
Worldwide - Standard |
---|---|---|---|---|
Emergency Medical Evacuation or Repatriation of Remains
|
Fully Covered |
Fully Covered |
Fully Covered |
Fully Covered |
Funeral Expenses
|
100,000 |
100,000 |
100,000 |
100,000 |
Emergency Assistance |
Emergency Medical Evacuation or Repatriation of Remains
|
---|---|
Asia - Basic |
Fully Covered |
Asia - Standard |
Fully Covered |
Worldwide - Basic |
Fully Covered |
Worldwide - Standard |
Fully Covered |
Emergency Assistance |
Funeral Expenses
|
Asia - Basic |
100,000 |
Asia - Standard |
100,000 |
Worldwide - Basic |
100,000 |
Worldwide - Standard |
100,000 |
Overseas Hospital Cash1 | Asia - Basic |
Asia - Standard |
Worldwide - Basic | Worldwide - Standard |
---|---|---|---|---|
|
6,000 (500 / day) |
6,000 (500 / day) |
6,000 (500 / day) |
6,000 (500 / day) |
Overseas Hospital Cash1 |
|
---|---|
Asia - Basic |
6,000 (500 / day) |
Asia - Standard |
6,000 (500 / day) |
Worldwide - Basic |
6,000 (500 / day) |
Worldwide - Standard |
6,000 (500 / day) |
Baggage and Personal Effects | Asia - Basic |
Asia - Standard |
Worldwide - Basic |
Worldwide - Standard |
---|---|---|---|---|
Section limit subject to the following sublimit |
8,000 |
20,000 |
8,000 |
20,000 |
1. Sports equipment, photographic equipment and electronic items Limit per item/pair/set |
2,000 |
6,000 |
2,000 |
6,000 |
2. Mobile phone – Limit per item (subject to 20% excess for each claim) |
2,000 |
6,000 |
2,000 |
6,000 |
3. Others – Limit per item/pair/set |
2,000 |
3,000 |
2,000 |
3,000 |
Baggage and Personal Effects |
Section limit subject to the following sublimit |
---|---|
Asia - Basic |
8,000 |
Asia - Standard |
20,000 |
Worldwide - Basic |
8,000 |
Worldwide - Standard |
20,000 |
Baggage and Personal Effects |
1. Sports equipment, photographic equipment and electronic items Limit per item/pair/set |
Asia - Basic |
2,000 |
Asia - Standard |
6,000 |
Worldwide - Basic |
2,000 |
Worldwide - Standard |
6,000 |
Baggage and Personal Effects |
2. Mobile phone – Limit per item (subject to 20% excess for each claim) |
Asia - Basic |
2,000 |
Asia - Standard |
6,000 |
Worldwide - Basic |
2,000 |
Worldwide - Standard |
6,000 |
Baggage and Personal Effects |
3. Others – Limit per item/pair/set |
Asia - Basic |
2,000 |
Asia - Standard |
3,000 |
Worldwide - Basic |
2,000 |
Worldwide - Standard |
3,000 |
Delayed Baggage (over 6 hours) | Asia - Basic |
Asia - Standard |
Worldwide - Basic |
Worldwide - Standard |
---|---|---|---|---|
Reimburses emergency purchases of essential items or clothing due to delay or misdirection of baggage for at least 6 hours from time of arrival at destination abroad. |
1,000 |
2,000 |
1,000 |
2,000 |
Delayed Baggage (over 6 hours) |
Reimburses emergency purchases of essential items or clothing due to delay or misdirection of baggage for at least 6 hours from time of arrival at destination abroad. |
---|---|
Asia - Basic |
1,000 |
Asia - Standard |
2,000 |
Worldwide - Basic |
1,000 |
Worldwide - Standard |
2,000 |
Personal Money/Unauthorised Use of Credit Card and Travel Documents | Asia - Basic |
Asia - Standard |
Worldwide - Basic |
Worldwide - Standard |
---|---|---|---|---|
1. Personal Money
2. Unauthorised Use of Credit Card
|
1,500 |
5,000 |
1,500 |
5,000 |
3.Travel Document & Travel Ticket
|
5,000 |
5,000 |
5,000 |
5,000 |
Personal Money/Unauthorised Use of Credit Card and Travel Documents |
1. Personal Money
2. Unauthorised Use of Credit Card
|
---|---|
Asia - Basic |
1,500 |
Asia - Standard |
5,000 |
Worldwide - Basic |
1,500 |
Worldwide - Standard |
5,000 |
Personal Money/Unauthorised Use of Credit Card and Travel Documents |
3.Travel Document & Travel Ticket
|
Asia - Basic |
5,000 |
Asia - Standard |
5,000 |
Worldwide - Basic |
5,000 |
Worldwide - Standard |
5,000 |
Personal Liability | Asia - Basic |
Asia - Standard |
Worldwide - Basic |
Worldwide - Standard |
---|---|---|---|---|
Indemnifies against legal liability for accidental bodily injury to a third party or damage to property belonging to a third party. |
10,000,000 |
10,000,000 |
10,000,000 |
10,000,000 |
Personal Liability |
Indemnifies against legal liability for accidental bodily injury to a third party or damage to property belonging to a third party. |
---|---|
Asia - Basic |
10,000,000 |
Asia - Standard |
10,000,000 |
Worldwide - Basic |
10,000,000 |
Worldwide - Standard |
10,000,000 |
Travel Delay (over 6 hours) [(9A and/or 9B) OR 9C] | Asia - Basic |
Asia - Standard |
Worldwide - Basic |
Worldwide - Standard |
---|---|---|---|---|
9A. Cash Allowance
|
2,000 (200 for each 6 hours) |
2,500 (250 for each 6 hours) |
2,000 (200 for each 6 hours) |
2,500 (250 for each 6 hours) |
9B. Trip Re-routing costs
OR |
Not covered |
4,000 (2,000 / day) |
Not covered |
4,000 (2,000 / day) |
9C. Catch-up ticket costs
Note: If Cash Allowance and/or Trip Re-routing costs under Sections 9A and/or 9B are payable, catch-up tickets costs under Section 9C will not be payable, and vice versa |
Not covered |
2,000 |
Not covered |
4,000 |
Travel Delay (over 6 hours) [(9A and/or 9B) OR 9C] |
9A. Cash Allowance
|
---|---|
Asia - Basic |
2,000 (200 for each 6 hours) |
Asia - Standard |
2,500 (250 for each 6 hours) |
Worldwide - Basic |
2,000 (200 for each 6 hours) |
Worldwide - Standard |
2,500 (250 for each 6 hours) |
Travel Delay (over 6 hours) [(9A and/or 9B) OR 9C] |
9B. Trip Re-routing costs
OR |
Asia - Basic |
Not covered |
Asia - Standard |
4,000 (2,000 / day) |
Worldwide - Basic |
Not covered |
Worldwide - Standard |
4,000 (2,000 / day) |
Travel Delay (over 6 hours) [(9A and/or 9B) OR 9C] |
9C. Catch-up ticket costs
Note: If Cash Allowance and/or Trip Re-routing costs under Sections 9A and/or 9B are payable, catch-up tickets costs under Section 9C will not be payable, and vice versa |
Asia - Basic |
Not covered |
Asia - Standard |
2,000 |
Worldwide - Basic |
Not covered |
Worldwide - Standard |
4,000 |
Trip Cancellation and Trip Curtailment | Asia - Basic |
Asia - Standard |
Worldwide - Basic |
Worldwide - Standard |
---|---|---|---|---|
Section Limit |
25,000 |
50,000 |
25,000 |
50,000 |
Cancellation
(a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (b) witness summons, jury service or compulsory quarantine of Insured Person; (c) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusions 1(a), strike, terrorism (except General Exclusions 1(c), natural disasters or adverse weather conditions at the planned destination arising out of circumstances beyond the control of the Insured Person; (d) serious damage of Insured Person’s principal residence from fire, flood or natural disaster within one week from the departure date; (e) issuance of Black Alert or Red Alert for the planned destination (except for the reason of a pandemic).
Note: For both cancellation and curtailment, limit for Red Alert will be up to 50%. |
25,000 |
50,000 |
25,000 |
50,000 |
Curtailment
(a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (b) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusions 1(a), strike, terrorism (except General Exclusions 1(c), natural disasters, adverse weather conditions or hijack occurring at the planned destination arising out of circumstances beyond the control of the Insured Person; (c) serious damage to Insured Person’s principal residence from fire, flood or natural disaster within one week from the departure date; (d) issuance of Black Alert or Red Alert for the destination during the trip.
Note: For both cancellation and curtailment, limit for Red Alert will be up to 50%. |
25,000 |
50,000 |
25,000 |
50,000 |
Trip Cancellation and Trip Curtailment |
Section Limit |
---|---|
Asia - Basic |
25,000 |
Asia - Standard |
50,000 |
Worldwide - Basic |
25,000 |
Worldwide - Standard |
50,000 |
Trip Cancellation and Trip Curtailment |
Cancellation
(a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (b) witness summons, jury service or compulsory quarantine of Insured Person; (c) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusions 1(a), strike, terrorism (except General Exclusions 1(c), natural disasters or adverse weather conditions at the planned destination arising out of circumstances beyond the control of the Insured Person; (d) serious damage of Insured Person’s principal residence from fire, flood or natural disaster within one week from the departure date; (e) issuance of Black Alert or Red Alert for the planned destination (except for the reason of a pandemic).
Note: For both cancellation and curtailment, limit for Red Alert will be up to 50%. |
Asia - Basic |
25,000 |
Asia - Standard |
50,000 |
Worldwide - Basic |
25,000 |
Worldwide - Standard |
50,000 |
Trip Cancellation and Trip Curtailment |
Curtailment
(a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (b) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusions 1(a), strike, terrorism (except General Exclusions 1(c), natural disasters, adverse weather conditions or hijack occurring at the planned destination arising out of circumstances beyond the control of the Insured Person; (c) serious damage to Insured Person’s principal residence from fire, flood or natural disaster within one week from the departure date; (d) issuance of Black Alert or Red Alert for the destination during the trip.
Note: For both cancellation and curtailment, limit for Red Alert will be up to 50%. |
Asia - Basic |
25,000 |
Asia - Standard |
50,000 |
Worldwide - Basic |
25,000 |
Worldwide - Standard |
50,000 |
Missed Event | Asia - Basic |
Asia - Standard |
Worldwide - Basic |
Worldwide - Standard |
---|---|---|---|---|
(a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (b) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusions 1(a), strike, terrorism (except General Exclusions 1(c), natural disasters, adverse weather conditions or hijack occurring at the planned destination arising out of circumstances beyond the control of the Insured Person; (c) issuance of Black Travel Alert or Red Travel Alert (except for the reason of a pandemic) for the planned destination before the trip; (d) issuance of Black Alert or Red Alert for the planned destination during the trip;
Note: For both cancellation and curtailment, limit for Red Alert will be up to 50%. |
Not Covered |
10,000 |
Not Covered |
10,000 |
Missed Event |
(a) death, serious bodily injury or serious illness of the Insured Person, a travelling companion, Insured Person’s family members or close business associates; (b) unexpected outbreak of riot or civil commotion (notwithstanding General Exclusions 1(a), strike, terrorism (except General Exclusions 1(c), natural disasters, adverse weather conditions or hijack occurring at the planned destination arising out of circumstances beyond the control of the Insured Person; (c) issuance of Black Travel Alert or Red Travel Alert (except for the reason of a pandemic) for the planned destination before the trip; (d) issuance of Black Alert or Red Alert for the planned destination during the trip;
Note: For both cancellation and curtailment, limit for Red Alert will be up to 50%. |
---|---|
Asia - Basic |
Not Covered |
Asia - Standard |
10,000 |
Worldwide - Basic |
Not Covered |
Worldwide - Standard |
10,000 |
Rental Vehicle Excess | Asia - Basic |
Asia - Standard |
Worldwide - Basic |
Worldwide - Standard |
---|---|---|---|---|
Section Limit
|
Not Covered |
3,000 |
Not Covered |
3,000 |
Additional Benefit
|
Covered |
Covered |
Covered |
Covered |
Rental Vehicle Excess |
Section Limit
|
---|---|
Asia - Basic |
Not Covered |
Asia - Standard |
3,000 |
Worldwide - Basic |
Not Covered |
Worldwide - Standard |
3,000 |
Rental Vehicle Excess |
Additional Benefit
|
Asia - Basic |
Covered |
Asia - Standard |
Covered |
Worldwide - Basic |
Covered |
Worldwide - Standard |
Covered |
China Medical Card (Optional for MultiTrip TravelSurance only) | Asia - Basic |
Asia - Standard |
Worldwide - Basic |
Worldwide - Standard |
---|---|---|---|---|
|
Hospital admission deposit guarantee |
Hospital admission deposit guarantee |
Hospital admission deposit guarantee |
Hospital admission deposit guarantee |
China Medical Card (Optional for MultiTrip TravelSurance only) |
|
---|---|
Asia - Basic |
Hospital admission deposit guarantee |
Asia - Standard |
Hospital admission deposit guarantee |
Worldwide - Basic |
Hospital admission deposit guarantee |
Worldwide - Standard |
Hospital admission deposit guarantee |
1. No benefit is payable for hospitalisation relating to pre-existing condition.
2. The medical expenses for Chinese medicine, bone-setting and acupuncture fees is limited to HKD100 per visit per day up to HKD1,000.
Key policy exclusions
- Riot, civil commotion, war, invasion, civil war and related perils
- Suicide, self-inflicted injury, illegal acts, insanity, drugs-taking, alcoholism, venereal disease, AIDs.
- Any pre-existing conditions, including congenital conditions
- Childbirth, pregnancy, miscarriage
- Engaging in:
- any sports or activities which are played in professional capacity or in competition involving prize money or reward of any kind
- deep-water diving (that is diving to a depth of greater than 40 metres)
- motor rallies
- aviation other than as a fare-paying passenger - Manual work or hazardous work (e.g. involve the use of mechanical and/or electrical equipment or handling of explosive or hazardous substances, etc.)
- Property more specifically insured
- Claims where no written notification is given to AXA General Insurance Hong Kong Limited within 30 days after end of the trip
For a full list of exclusions and terms and conditions, please refer to our policy wordings.