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Maximum Benefit (HK$) |
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Benefits |
Description |
Diamond Plan |
Gold Plan |
Silver Plan |
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1. |
Personal Accident |
Death (provided that death occurs within 12 months of the date of the accident) |
1,000,000 |
500,000 |
250,000 |
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| Double indemnity for accidental death on licensed public conveyance |
2,000,000 |
1,000,000 |
500,000 |
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| Permanent total disablement |
1,000,000 |
500,000 |
250,000 |
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| Loss of more than one limb or loss of sight in both eyes |
1,000,000 |
500,000 |
250,000 |
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| Loss of one limb or loss of sight in one eye |
500,000 |
250,000 |
125,000 |
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| Loss of speech and hearing |
1,000,000 |
500,000 |
250,000 |
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| Loss of speech |
500,000 |
250,000 |
125,000 |
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| Loss of hearing |
500,000 |
250,000 |
125,000 |
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2. |
Medical Expenses |
Medical expenses incurred overseas due to sickness or accidental injury, including outpatient, medicine, room & board, surgery, doctors' fees and related expenses |
600,000 |
400,000 |
200,000 |
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| Continued necessary medical treatment expenses within 90 days following the Insured Person's return to Hong Kong and such expenses are as a result of the continuation of medical treatment for physical injury or illness covered under this section |
50,000 |
30,000 |
15,000 |
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| Excess : HK$250 |
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3. |
24 Hours Worldwide Emergency Assistance Services |
Medical Attention Telephone Medical Advice, Evaluation and Referral Appointment |
Referral Only |
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| Medical Evacuation |
Unlimited |
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| Repatriation After Treatment |
Unlimited |
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| Repatriation of Mortal Remains / Ashes |
Unlimited |
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| Essential Medication/Medical Equipment |
Service only and at Beneficiary's cost |
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| Medical Monitoring
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Service only |
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| Travel Information |
Enquiry only |
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| Deposit Guaranteeing of Hospital Admission |
Up to HK $20,000 |
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| Legal Referral |
Referral Only |
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| Return of Unattended Dependent Child(ren) to Country of Residence |
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 |
1,000,000 |
600,000 |
300,000 |
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5. |
Trip Cancellation |
We pay for loss of deposit or payments for tour arrangements, airfare or other travel arrangements if an Insured Person cancels or curtails the trip due to
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30,000 |
25,000 |
15,000 |
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6. |
Travel Delay |
If the departure of the conveyance in which you have chosen to travel is delayed for at least 10 hours as a result of strike, riot, civil commotion, adverse weather conditions, mechanical breakdown or derangement of the conveyance, we will pay HK$250 for each period of 10 hours of such delay. |
1,000 |
1,000 |
1,000 |
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7. |
Baggage Delay |
We reimburse the cost incurred for purchasing necessary personal clothing and other necessities if your baggage is delayed for more than 10 hours after your arrival at any of the outward destinations. |
3,000 |
2,000 |
1,000 |
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8. |
Aircraft Hijack |
If the delay or interruption of the journey as a result of an act of aircraft hijack is over 10 consecutive hours, we pay you HK$1,000 per subsequent day up to a maximum of 10 days. |
10,000 |
10,000 |
10,000 |
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9. |
Baggage & |
For loss of or damage to baggage and/or personal belongings, we will pay up to HK$2,000 per any one article, 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 |
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10. |
Personal |
We pay for replacement fees for travel documents
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3,000 |
2,500 |
2,000 |
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