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)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
Insurance coverage is applicable to HONG KONG RESIDENTS below the age of 70.
Insured Persons over the age of 65 or under the age of 16 are eligible for the Silver Plan (no double indemnity benefits) and Cruise Plan only. For Cruise Plan, their Personal Accident and Medical Expense Benefit will be up to HK$250,000 and HK$200,000 respectively.
3 levels of coverage to suit your personal needs.
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Maximum Benefit (HK$) |
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Benefits |
Description |
Diamond |
Gold |
Silver |
Cruise | |||||||||||||||
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1. |
Personal Accident |
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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2,000,000 |
1,000,000 |
500,000 |
2,000,000 |
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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 |
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1,000,000 |
400,000 |
200,000 |
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 deposit or payments for tour arrangements, airfare or other travel arrangements, or additional accommodation expenses and repatriation costs to Hong Kong if an Insured Person cancels or curtail the trip due to
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30,000 |
25,000 |
15,000 |
30,000 |
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6. |
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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7. |
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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8. |
Baggage & |
For loss of or damage to your baggage and/or personal belongings, we pay the insured person up to HK$2,000 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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Excess : HK$250 |
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9. |
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 |
1,000 |
1,000 |
1,000 |
1,000 |
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10. |
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. |
3,000 |
2,500 |
2,000 |
3,000 |
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11. |
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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12. |
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: |
N/A |
N/A |
N/A |
50,000 |
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13. |
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 |
Maximum 90 days per single trip. The journey must commence from Hong Kong.
MAJOR EXCLUSIONSIMPORTANT NOTES TO CLAIMS PROCEDURE
In the event of any happening which may give rise to a claim, you must :
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I. |
advise Sun Hung Kai Properties Insurance Limited. in writing with full particulars within 30 days of the occurrence of such incident, and |
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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) |
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Period of Journey up to (no. of days) |
Diamond Plan HK$ |
Gold Plan HK$ |
Silver Plan HK$ |
Cruise Plan HK$ |
2 |
138 |
117 |
88 |
193 |
3 |
152 |
132 |
99 |
213 |
5 |
173 |
152 |
119 |
242 |
7 |
190 |
166 |
137 |
266 |
10 |
247 |
215 |
171 |
346 |
15 |
335 |
265 |
210 |
469 |
20 |
370 |
290 |
230 |
518 |
25 |
410 |
320 |
250 |
574 |
30 |
450 |
350 |
270 |
630 |
each additional 5-days |
60 |
50 |
40 |
84 |
Maximum No. of days is 90 days |
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A levy of 0.1% on premium shall be imposed. The above premium does not include levy. |
INSURANCE APPLICATION
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Customer Services Tel. : 2828 7886
Email : shkpi@shkp.com
The information in this site is a general summary. Please refer to the actual policy for exact terms and conditions