TRAVEL INSURANCE provides you with comprehensive cover when you are travelling overseas.

SPECIAL FEATURES

24 HOURS WORLDWIDE EMERGENCY ASSISTANCE SERVICES

Provides emergency evacuation, repatriation and other assistance during your trip, when necessary.

CRUISE PLAN

Comprehensive benefits under Cruise Plan such as cruise cancellation, interruption and post-departure benefits.

VARIOUS SPORTS COVER

All leisure and non-professional sports such as hot-air ballooning, scuba diving to a depth of not greater than 30 meters below sea level, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping or horse riding activities are covered. However, trekking at an altitude limit greater than 5,000 metres above sea level or diving to a depth greater than 30 metres below sea level are excluded.

ACTS OF TERRORISM COVER

Cover for loss or damage arising from acts of terrorism (except for any acts of nuclear, chemical, biological terrorism)

AUTOMATIC 10 DAYS EXTENSION OF COVER

If after the commencement of the trip, the original scheduled itinerary has been unavoidably interrupted or delayed as a result of natural disaster, unanticipated outbreak of industrial action involving the arranged public conveyance, riot, civil commotion, act of terrorist, hijack, adverse weather conditions or the mechanical breakdown or derangement of the conveyance, the period of insurance cover will be automatically extended for a maximum period of 10 calendar days.

AGE LIMIT (age based on policy commencement date)

Insurance coverage is applicable to HONG KONG RESIDENTS below the age of 85.
For Insured Persons who aged 65 or above and under the age of 16, Extra indemnity cover for accidental death on licensed public conveyance under Personal Accident section is not applicable and the Maximum Benefits of other Personal Accident and Medical Expenses cover are limited to 50% of the selected plan’s standard amount.

3 levels of coverage & Cruise Plan to suit your personal needs. 

 

Maximum Benefit (HK$)

 

Benefits

Description

Diamond
Plan

Gold
Plan

Silver
Plan

Cruise
Plan

blackdot.gif (35 bytes)

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

II. 50% Extra indemnity for accidental death on licensed public conveyance (not applicable to insured who aged 65 or above and below 16 – refer to Age Limit for more details)

1,500,000

750,000

375,000

1,500,000

III. Permanent total disablement

1,000,000

500,000

250,000

1,000,000

IV. Loss of more than one limb or loss of sight of both eyes

1,000,000

500,000

250,000

1,000,000

V. Loss of one limb or loss of sight of one eye

500,000

250,000

125,000

500,000

VI. Loss of speech and hearing

1,000,000

500,000

250,000

1,000,000

VII. Loss of speech

500,000

250,000

125,000

500,000

VIII. Loss of hearing

500,000

250,000

125,000

500,000

IX. Burns Cover (Second Degree and Third Degree)

300,000

200,000

100,000

300,000

2.

Medical Expenses

I. Medical expenses incurred overseas due to illness or physical injury, including outpatient, medicine, room & board, surgery, doctors' fees and related expenses

1,000,000

500,000

250,000

1,000,000

II. 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
(including medical expenses from registered Chinese Medicine Practitioner)

80,000









5,000

30,000









3,000

15,000









2,000

80,000









5,000

Hospital Cash (HK$500 per day)

10,000

5,000

2,000

10,000

3.

24 Hours Worldwide Emergency Assistance Services

Medical Attention Telephone Medical Advice, Evaluation and Referral Appointment

Referral Only

Medical Evacuation

Unlimited

Repatriation After Treatment

Unlimited

Repatriation of Mortal Remains / Ashes

Unlimited

Essential Medication/Medical Equipment

Service only and at Beneficiary's cost

Medical Monitoring

Service only

Travel Information

Enquiry only

Deposit Guaranteeing of Hospital Admission

Up to HK $20,000

Legal Referral

Referral Only

Return of Unattended Dependent Child(ren) to Country of Residence

Included

Compassionate Visit

Included

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

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

I.

unexpected death, serious physical injury or serious illness of yourself, your immediate family member, your close business partner or travel companion who will be travelling with you

II.

compliance with a witness summons, jury service or compulsory quarantine of the insured person

III.

natural disaster, unanticipated outbreak of strike or industrial action involving the arranged public common carrier, riot or civil commotion, act of terrorist, within 7 days from the departure date

IV.

serious damage to your home in Hong Kong arising from fire, typhoon, burglary or flooding within 7 days from the departure date

V.

Outbound Travel Black Alert issued by the Government of HKSAR for the planned destination provided that the Black Alert is not existence prior to the date booking the scheduled trip

30,000

25,000

15,000

30,000

6.

Trip Interruption

Trip Curtailment
We pay for the loss of the unused portion of any irrecoverable prepaid tour fares or transport or accommodation charges or the additional travelling and accommodation expenses incurred to return to Hong Kong due to those reasons stated in I (including hijack of insured person), III (including adverse weather conditions), IV & V of Section 5 above after the Trip has begun.

30,000

25,000

15,000

30,000

Trip Re-Routing
We pay for additional travel fare and accommodation expenses necessarily incurred for trip re-route after the trip has begun due to reasons stated in III (including adverse weather condition) & V of Section 5 above.

inclusive

inclusive

inclusive

inclusive

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

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

9.

Baggage &
Personal Effects

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

  • clothing items

HK$5,000 in aggregate

  • sports equipment

HK$5,000 in aggregate

  • portable telecommunication equipment / computer equipment

HK$5,000 in aggregate

Excess : HK$250

 

10.

Personal
Money

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

11.

Personal
Documents

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

12.

Home Contents
Protection

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

13.

Rental Vehicle
Excess Protection

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

Cruise Cover (Benefit 12-13)

14.

Cruise Cancellation
and Interruption

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:

Cruise Cancellation: Irrecoverable and forfeited deposits or any payment made in advance for the cruise tour; or

Cruise Interruption: Reasonable and inevitable additional travelling expenses for travelling from the port of departure to the next scheduled port of call to catch up with the cruise tour.

N/A

N/A

N/A

50,000

15.

Post-Departure
Cruise

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

  • serious physical injury or serious illness suffered by the insured person or his/her travel companion; or

 

  • natural disaster, infectious disease, unanticipated outbreak of strike or industrial action, riot or civil commotion act of terrorist at the scheduled destination of the shore excursion.

 

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

Maximum 90 days per single trip. The journey must commence from Hong Kong.

MAJOR EXCLUSIONS

IMPORTANT NOTES TO CLAIMS PROCEDURE

In the event of any happening which may give rise to a claim, you must :

 

I.

advise Sun Hung Kai Properties Insurance Limited. in writing with full particulars within 30 days of the occurrence of such incident, and

 

II.

fill in a claim form and submit to us the appropriate documents, including the claimant's boarding pass.


Premium Table Per Person (Single Trip)

Period of Journey up to (no. of days)

Diamond Plan

HK$

Gold Plan

HK$

Silver Plan

HK$

Cruise Plan

HK$
Area 1 Area 2 Area 1 Area 2 Area 1 Area 2 Area 1 Area 2

2

191

153

163

130

135

108

248

248

3

209

167

178

142

148

118

272

272

4

235

188

200

160

166

133

306

306

5

246

197

209

167

174

139

320

320

6

263

210

224

179

186

149

342

342

7

271

217

230

184

191

153

352

352

8

285

228

243

194

201

161

371

371

9

306

245

260

208

216

173

398

398

10

341

273

290

232

241

193

443

443

11

400

320

340

272

283

226

520

520

12

486

389

414

331

344

275

632

632

15

528

422

449

359

373

298

686

686

20

574

459

488

390

405

324

746

746

25

619

495

526

421

436

349

805

805

30

655

524

556

445

461

369

852

852

each additional 5-days

91

73

76

61

61

49

118

118

Maximum No. of days is 90 days

A levy of 0.1% on premium shall be imposed. The above premium does not include levy.

Area1: Australia, Australia / New Zealand, Austria, Belgium, Bhutan, Czechoslovakia, Denmark, East Asia, Europe, France, Germany, Greece, Iceland, India, Iran, Israel, Italy, Mauritius, Middle East, Netherlands, New Zealand, Russia, South Africa, South America / Canada , Sri Lanka, Sweden, Switzerland, Turkey, United Kingdom, United States, USA / Canada, USA / Canada / England and anywhere not listed in Area 2

Area2: Cambodia, China, Indonesia, Japan, Japan / Korea, Korea, Laos, Macau, Malaysia, Myanmar(Burma), Philippines, Singapore, Singapore / Malaysia / Thailand, Taiwan, Thailand, Vietnam


INSURANCE APPLICATION

Customer Services Tel. : 2828 7886

Email : cs-shkpi@shkp.com

The information in this site is a general summary. Please refer to the actual policy for exact terms and conditions