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Maximum Benefit (HK$) |
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Benefits |
Description |
Diamond |
Gold |
Silver |
Cruise |
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1. |
Personal Accident |
I. Death (provided that death occurs within 12 months from the date of the accident) |
1,000,000 |
500,000 |
250,000 |
1,000,000 |
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1,500,000 |
750,000 |
375,000 |
1,500,000 |
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1,000,000 |
500,000 |
250,000 |
1,000,000 |
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1,000,000 |
500,000 |
250,000 |
1,000,000 |
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500,000 |
250,000 |
125,000 |
500,000 |
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1,000,000 |
500,000 |
250,000 |
1,000,000 |
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500,000 |
250,000 |
125,000 |
500,000 |
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500,000 |
250,000 |
125,000 |
500,000 |
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300,000 |
200,000 |
100,000 |
300,000 |
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2. |
Medical Expenses |
|
1,000,000 |
500,000 |
250,000 |
1,000,000 |
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80,000 |
30,000 |
15,000 |
80,000 |
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10,000 |
5,000 |
2,000 |
10,000 |
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3. |
24 Hours Worldwide Emergency Assistance Services |
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Referral Only |
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Unlimited |
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Unlimited |
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Unlimited |
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Service only and at Beneficiary's cost |
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Service only |
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Enquiry only |
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Up to HK $20,000 |
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Referral Only |
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Included |
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Included |
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4. |
Personal Liability |
We cover the Insured Person against legal liability to pay as compensation for any third party bodily injury or damage to any third party property during the trip |
1,500,000 |
1,000,000 |
500,000 |
1,500,000 |
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5. |
Trip Cancellation |
We pay for loss of irrecoverable prepaid deposit or payments for tour arrangements, airfare or other travel arrangements, upon cancellation of the Trip prior to its commencement, due to
|
30,000 |
25,000 |
15,000 |
30,000 |
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6. |
Trip Interruption |
Trip Curtailment
|
30,000 |
25,000 |
15,000 |
30,000 |
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Trip Re-Routing
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inclusive |
inclusive |
inclusive |
inclusive |
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7. |
Travel Delay |
If the departure of the conveyance in which you have taken to travel has been delayed for at least 5 hours as a result of natural disaster, unanticipated outbreak of strike or industrial action involving the arranged public common carrier, riot or civil commotion, act of terrorist, hijack, adverse weather conditions or the mechanical breakdown or derangement of the public common carrier, we will pay HK$300 for each subsequent period of 5 hours of such delay. |
2,000 |
1,500 |
1,000 |
2,000 |
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8. |
Baggage Delay |
We reimburse the cost incurred for purchasing necessary personal clothing and other necessities if your baggage is delayed for more than 5 hours after your arrival at any of the outward destinations. |
3,000 |
2,000 |
1,000 |
3,000 |
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9. |
Baggage & |
For loss of or damage to your baggage and/or personal belongings, we pay the insured person up to HK$3,000 per any one article, a set or collection of articles in respect of any one insured person (whether clothing item, sport equipment or otherwise). |
20,000 |
15,000 |
10,000 |
20,000 |
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HK$5,000 in aggregate |
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HK$5,000 in aggregate |
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HK$5,000 in aggregate |
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| Excess : HK$250 |
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10. |
Personal |
Loss of cash, cheques or traveller’s cheques due to, theft, robbery or burglary. Child of age below 12 has no cover. Excess : HK$250 |
3,000 |
2,000 |
1,000 |
3,000 |
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11. |
Personal |
Replacement cost of travel documents which are lost due to theft, robbery, burglary, or accidental loss, and reasonable additional travelling and accommodation expenses incurred due to such replacement at the nearest location. |
5,000 |
3,000 |
2,000 |
5,000 |
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12. |
Home Contents |
Replacement or repair cost against physical loss of or damage to the Home Contents within Insured Person’s principal home in Hong Kong caused by burglary accompanied by forcible and violent entry to or exit from the premises, while such premises are vacated during the Trip. |
7,500 |
5,000 |
2,000 |
7,500 |
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13. |
Rental Vehicle |
If the insured person hires a rental vehicle during the journey and has a car accident, parking damage or theft, the vehicle insurance excess or deductible will be payable. |
5,000 |
3,000 |
1,500 |
5,000 |
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Cruise Cover (Benefit 12-13) |
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14. |
Cruise Cancellation |
If the trip to the designated port of departure by public common carrier is delayed for at least 8 consecutive hours due to natural disaster, unanticipated outbreak of strike or industrial action involving the arranged public common carrier, riot or civil commotion, act of terrorist, hijack or mechanical breakdown of the arranged public common carrier during the journey, and the insured person failed to board the cruise ship as a direct result, the insured person will be reimbursed:
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N/A |
N/A |
N/A |
50,000 |
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15. |
Post-Departure |
Shore Excursion Cancellation - Irrecoverable and forfeited deposits or any payment made in advance for shore excursion tour will be reimbursed in the event of: |
N/A |
N/A |
N/A |
10,000 |
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| Satellite Phone Expenses - If the insured person must return directly to Hong Kong following serious physical injury or serious illness of the insured person or his/her travel companion during the journey which prevents the insured person from continuing the journey, the insured person will be reimbursed the reasonable satellite phone call expenses incurred on board a cruise ship. |
N/A |
N/A |
N/A |
3,000 |
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