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From Macau to Worldwide (Round Trip)

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Single Travel

Annual Travel

Single Travel
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
    • Extra benefits provided for Level 3 or 2 Alert under the Macau Travel Alert System up to HK$50,000 and HK$25,000 respectively:
      • If the Level 3 Alert under the Macau Travel Alert System is hoisted, pays up to 100% of the relevant loss and up to 100% of ‘Trip Cancellation and Curtailment’ section limit, or if the Level 2 Alert under the Macau Travel Alert System is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
      • Up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed
      • Additional transport expenses if you are forced to leave the city you are staying to another city in order to return to Macau
      • HK$1,000 cash allowance if you must stay overnight in another city waiting for the necessary public transport to return to Macau
    • Amateur Dangerous Sports and activities4 cover at no extra cost:
      • Include hot-air ballooning, scuba diving, skiing, snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities
    • Loss of Baggage
      • Newly added loss of or damage to mobile phone5 cover up to HK$2,000
    • Natural Disaster cover:
      • Trip Cancellation and Curtailment cover up to HK$50,000
      • Travel Delay cover of HK$250 for first 6 hours of delay and each subsequent period of 12 hours, up to HK$2,000
      • Up to HK$7,500 cover for additional transport and accommodation expenses if your return trip to Hong Kong is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses
    • Terrorism Extension:
      • Terrorism10cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
    • Other benefits:
      • Personal Accident6,7,8cover up to HK$1,000,000
        • Advance payment of HK$50,000 cash relief for Accidental Death
        • Major Burns Benefit up to HK$1,000,000
        • Loss of Limb Benefit cover, which is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, arm, foot or leg under Personal Accident Section
      • Deposit Guarantee of Hospital Admission up to HK$40,000
      • Medical Expenses benefit cover emergency dental treatment, medical and surgical expenses up to HK$1,000,0007,8
      • Comprehensive 24-hour Worldwide Emergency Assistance Services
      • Double Indemnity9for Personal Accident up to HK$2,000,000
      • Follow up medical expenses after returning to Macau up to HK$50,000 for a maximum period of 90 days, including registered herbalists, bonesetters and acupuncture fees up to HK$1,500 in total
      • Personal Liability cover up to HK$2,500,000
      • Personal Money, Documents and Additional Accommodation Expenses cover up to HK$10,000
      • Family Plan3,7covering unlimited number of children
      • Rental Vehicle Excess cover up to HK$5,000
      • Automatic Extension of Cover

Important Notes:
    1. Maximum days per trip of Plan A and Plan B are 182 days, each trip should be commenced in Macau.
    2. There is no minimum age limit for this plan. Maximum age limit is 85.
    3. Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip. 
    4. The Amateur Dangerous Sports And Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age. 
    5. No mobile phone benefit is payable for Plan B or if the Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
    6. The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
    7. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
    8. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to 25% of the Sum Insured.
    9. The Double Indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 70 years of age at the time of an accident. 
    10. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
    11. iTravel Plus (Single Trip) is only available for online purchase.
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Benefits
Coverage
Maximum Benefits Payable (HK$)
Plan A
(Worldwide)
Plan B
(Worldwide)
1. Personal Accident1,2,3
Accidental Death/Permanent Total Disablement/Loss of two limbs or sight of both eyes/Permanent Total Loss of speech and hearing.
(An advance payment of HK$50,000 cash relief will be paid to your legal representative in the event of your accidental death.)
1,000,000
500,000
Loss of one limb9 or sight of one eye/Permanent Total Loss of speech or hearing. 500,000 250,000
Covers 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy. 1,000,000 500,000
2. Double Indemnity for Personal Accident4
Double indemnity for Accidental Death while you are travelling in a private car or as a fare-paying passenger on public transport (e.g. scheduled flight, train) or in any armed robbery or attempted armed robbery.
2,000,000
1,000,000
3. Medical Expenses1,3
Pays for necessary medical treatment expenses and reasonable additional transport expenses if it is necessary and unavoidable for you to stay beyond your intended return date due to sickness or bodily injury abroad.

Pays for follow-up medical expenses within 90 days after arrival in Macau up to HK$50,000 including Chinese medical practitioner's fees up to HK$150 per visit per day and up to HK$1,500 in total.
1,000,000
500,000
4. Worldwide Travel Assistance Services8
24-hour worldwide emergency medical evacuation repatriation after treatment.

Deposit guarantee for hospital admission.

Unexpected return to Macau, Compassionate Visit, Children
Escort Arrangements, etc.
2,000,000


40,000(as stated in Policy Appendix)

Covered
5. Terrorism Extension5
(Applicable to the above Benefits 1-4)
Extends to provide you with Worldwide Travel Assistance Services as well as cover in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism under Personal Accident and Medical Expenses Sections.
3,000,000
6. Amateur Dangerous Sports Coverage6
Pay you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, skiing, snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities.
Up to 250,000 under the Personal Accident and Medical Expenses Sections
 Up to 125,000 under the Personal Accident and Medical Expenses Sections
7. Trip Cancellation and Curtailment
Reimburses expenses of unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e) or close business partner; residential fire or flooding; jury services, witness summons or compulsory quarantine of you; or if you decide to cancel your trip due to adverse weather conditions, natural disaster directly resulting in suspension of public transport, strike, industrial action, riot or mechanical and/or electrical breakdown of the public transport which results in delay in departure from Macau for not less than 24 hours.

For Level 3 or 2 Alert under the Macau Travel Alert System under the Outbound Travel Alert System:
  • If the Level 3 Alert under the Macau Travel Alert System is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Level 3 Alert under the Macau Travel Alert System is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
  • Pays up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed.
  • Reimburses additional transport expenses if you are forced to leave the city you are staying for another city in order to return to Macau.
  • Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Macau.
50,000
25,000
8. Travel Delay
Pays HK$250 for first 6 hours and each subsequent period of 12 hours of delay if
  • the arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport or closure of the airport, or mechanical and/or electrical breakdown of the public transport or
  • your trip is delayed due to the death, serious bodily injury or serious sickness of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad.
  • If the original departure and arrival ports/airports of the Public Transport conveyance that you have arranged are in/from mainland China, the maximum cover is HK$500.
2,000
1,000
9. Trip Rearrangement
Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) you have paid or payments for which you are legally obliged to pay, or reimburses additional transport and/or accommodation expenses incurred, and which are not recoverable from any other source in reaching your planned destination, or for your return trip to Macau if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in Suspension of Public Transport.

Pays for accommodation expenses up to HK$1,000 per day
7,500
5,000
10. Loss of Baggage
Pays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
  • any single article, pair or set of articles is HK$2,000.
  • all of your sports equipment is HK$5,000 in total.
  • all of your valuables is HK$5,000 in total.
  • all of your cameras, camcorders and audio/video equipment is HK$5,000 in total.
  • any mobile phone is HK$2,000 (mobile phone cover is for plan A only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan)
20,000
15,000
11. Delayed Baggage
Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 12 hours on the outward journey.
1,500
1,000
12. Personal Money, Documents and Additional Accommodation Expenses
Cover the loss of cash or travellers cheques directly arising from theft, robbery or burglary during the Period of Insurance, subject to a maximum amount of HK$3,000 for Plan A ,HK$2,000 for Plan B10.

Reimburses the replacement cost of Macau identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport.

Pays for additional travel and accommodation expenses which are necessary to obtain a replacement passport if your passport is lost or stolen while you are abroad.

(Excess HK$200)
10,000
5,000
13. Personal Liability
Pays for any amount which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property.
2,500,000
14. Rental Vehicle Excess
Pays an excess which you become liable to pay under the agreement with licensed rental company for loss of or damage to the vehicle that you rent.
5,000
15. Golfers' Hole-in-One10
Pays for the cost of hospitality if you achieve a “Hole-in-One” in any recognized golf-course.
5,000
3,000
16. Automatic Extension of Cover
(Applicable to the above Benefits 8 and 9)
Cover is automatically extended free of charge in the event of delays due to unforeseen events covered under Travel Delay and Trip Rearrangement Sections.
Up to 14 days
Optional Benefits
(For Plan A or B and 2-10 days single trip travel plan
and only applicable if it is shown as being operative in the schedule)
Maximum Benefits Payable (HK$)
1. Extra Sports Equipment Benefits (Applicable to the above Benefit 10 or 11)
(a) Personal baggage sub-limit for all sports equipment.
Extra 5,000
(b) Cover the actual expense for rental of sports equipment due to check-in baggage delayed more than 12 hours.
1,000
2. Upgraded Rental Vehicle Excess(Applicable to the above Benefit 14)
Rental Vehicle Excess.
Extra 5,000
3. Pet Accommodation Protection
Cover additional accommodation expenses for one pet charged by the licensed kennel/cattery or pet hotel for the insured trip if You are unable to collect your dog/cat on the day agreed due to the following reasons:
 1,000
(a)the arrival of your return flight is delayed by at least 6 hours; or
(b)You were hospitalized or quarantined outside Macau and as a result You cannot arrive in Macau on the original return date.
Important Notes:
  1. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to only 25% of the Sum Insured.
  2. The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
  3. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age. 
  4. The Double Indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 70 years of age at the time of an accident. 
  5. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded. 
  6. The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age. 
  7. The Golfers' Hole-in-One benefit will not be available to those Insured Persons who are under 18 years of age.
  8. 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Macau.
  9. "Loss of one limb" is defined in the policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
  10. This benefit is not applicable to Insured Person(s) is(are) below 18 years of age and insured under a Family Plan.
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
 
Days
 Individual Plan Family Plan*
Plan A (HK$)
Plan B (HK$)
Plan A (HK$)
Plan B (HK$)
2
244
186
610
 464
3
311
229
778
 572
4
363
259
907
 648
5
393
289
983
 724
6
426
322
1,064
 805
7
456
342
1,139
 856
8
486
363
1,215
 907
9
518
382
1,296
 956
10
549
393
1,372
 983
11
579
404
1,447
 1,010
12
600
415
1,501
 1,037
13
622
426
1,555
 1,064
14
643
435
1,488
 1,088
15
662
441
1,607
 1,102
16
683
456
1,655
 1,139
17
704
467
1,760
 1,166
18
726
475
1,814
 1,188
19
746
486
1,866
 1,215
20
767
497
1,917
 1,242
21
786
508
1,966
 1,269
22
808
518
2,020
 1,296
23
829
529
2,074
 1,323
24
850
539
2,125
 1,347
25
870
550
2,176
 1,374
26
897
559
2,244
 1,399
27
923
570
2,309
 1,426
28
951
579
2,379
 1,447
29
977
590
2,444
 1,474
30
1,004
600
2,511
 1,501
31 up to 182
HK$24 each
addtional day
HK$19 each
addtional day
HK$59 each
addtional day
HK$49 each
addtional day

Optional Benefits
(applicable to single trip 2 - 10 days)
 Individual Plan Family Plan*
1. Extra Sports Equipment Benefits (Applicable to the above Benefit 10 or 11)
 HK$30 HK$75
2. Upgraded Rental Vehicle Excess(Applicable to the above Benefit 14)
 HK$60
(HK$120 for 2 or more insured person)		 HK$120
3. Pet Accommodation Protection
 HK$30
(for one pet per insured person)		 HK$30
(for one pet per family)

 *Family Plan cover is only applicable to a legally married couple and any number of your child(ren) under 18 years of age.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
  • Any liability arising from a contractual agreement without the prior consent of Us is not covered
  • Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
  • Professional or organised dangerous sports or activities
  • Any organized sports, any kind of race, motor rallies and competition, mountaineering or rock-climbing (necessitating the use of ropes or pitons), iceberg climbing, potholing, speed or endurance tests, marathon or any tour with bicycle riding as the main transportation during the insured journey, parachuting, skydiving, hang-gliding, trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level, water motorcycling/ jet-skiing, jet-boating, speed-boating, dune driving, snow motorcycling, ski-jumping, ice hockey, the use of bob-sleighs or skeletons, the use of firearms, or other hazardous pursuits or occupations.
  • Manual work undertaken during business trips
  • Suicide, intentional self-inflicted injury, insanity
  • Mental or nervous disorders, sleep disorder, psychiatric disorder
  • Alcoholic and drug addiction or solvent abuse
  • HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
  • Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
  • Air flight crew
  • Unlawful acts
  • War and terrorism (Except for Terrorism Extended Cover)
  • Nuclear weapons and radiations
  • Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit 10) , tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Annual Travel
  • Product Features
  • Benefits Table
  • Premium
  • Major Exclusions
    • Extra benefits provided for Level 3 or 2 Alert under the Macau Travel Alert System under the Outbound Travel Alert System up to HK$50,000 and HK$25,000 respectively:
      • If the Level 3 Alert under the Macau Travel Alert System is hoisted, pays up to 100% of the relevant loss and up to 100% of ‘Trip Cancellation and Curtailment’ section limit, or if the Level 2 Alert under the Macau Travel Alert System is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
      • Up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed
      • Additional transport expenses if you are forced to leave the city you are staying to another city in order to return to Macau
      • HK$1,000 cash allowance if you must stay overnight in another city waiting for the necessary public transport to return to Macau
    • Amateur Dangerous Sports and activities4 cover at no extra cost:
      • Include hot-air ballooning, scuba diving, skiing, snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities
    • Loss of Baggage
      • Newly added loss of or damage to mobile phone5 cover up to HK$2,000
    • Natural Disaster cover:
      • Trip Cancellation and Curtailment cover up to HK$50,000
      • Travel Delay cover of HK$250 for first 6 hours of delay and each subsequent period of 12 hours, up to HK$2,000
      • Up to HK$7,500 cover for additional transport and accommodation expenses if your return trip to Macau is unavoidably re-routed, including up to HK$1,000 per day for accommodation expenses
    • Terrorism Extension:
      • Terrorism9cover up to HK$3,000,000 per person for accidental death, bodily injury, medical expenses and Worldwide Travel Assistance Services
    • Other benefits:
      • Personal Accident6,7,8cover up to HK$1,000,000
        • Major Burns Benefit up to HK$1,000,000
        • Loss of Limb Benefit cover, which is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total and permanent loss of use of an entire hand, arm, foot or leg under Personal Accident Section
      • Deposit Guarantee of Hospital Admission up to HK$40,000
      • Hospital Cash benefit up to HK$5,000
      • Medical Expenses benefit cover emergency dental treatment, medical and surgical expenses up to HK$1,000,0007,8
      • Comprehensive 24-hour Worldwide Emergency Assistance Services
      • Follow up medical expenses after returning to Macau for up to HK$100,000 for a maximum period within 90 days, including registered herbalists, bonesetters and acupuncture fees up to HK$1,500 in total
      • Personal Liability cover up to HK$2,500,000
      • Personal Money, Documents and Additional Accommodation Expenses cover up to HK$10,000
      • Family Plan3,7covering unlimited number of children
      • Rental Vehicle Excess cover up to HK$5,000

Important Notes:
    1. Maximum days per trip is 90 days, each trip should be a round-trip commencing in Macau.
    2. There is no minimum age limit for this plan. Maximum age limit is 75.
    3. Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip.
    4. The Amateur Dangerous Sports And Activities Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 65 years of age.
    5. No mobile phone benefit is payable for Plan B, or if Insured Person(s) is(are) below 18 years of age insured under a Family Plan.
    6. The maximum indemnity under Personal Accident Section for an Insured Person who is under 18 years of age will be limited to HK$250,000.
    7. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
    8. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 65 years of age will be limited to only 25% of the Sum Insured.
    9. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
    10. iTravel Plus (Annual) is only available for online purchase.
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Benefits
Coverage
Maximum Benefits Payable (HK$)
Plan A
Plan B
1. Personal Accident1,2,3
Accidental Death/Permanent Total Disablement/Loss of two limbs 8 or sight of both eyes/Permanent Total Loss of speech and hearing.
(An advance payment of HK$50,000 cash relief will be paid to your legal representative in the event of your accidental death.)
1,000,000
500,000
Loss of one limb8 or sight of one eye/Permanent Total Loss of speech or hearing. 500,000 250,000
Covers 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy. 1,000,000 500,000
2. Medical Expenses2,3
Pays for necessary medical treatment expenses and reasonable additional transport expenses if it is necessary and unavoidable for you to stay beyond your intended return date due to sickness or bodily injury abroad.

Pays for follow-up medical expenses within 90 days after arrival in Macau up to HK$100,000 including bonesetters’ fees up to HK$150 per visit per day and up to HK$1,500 in total.
1,000,000
500,000
3. Hospital Cash
Pays HK$500 per day when you are hospitalised as an inpatient due to bodily injury or sickness when abroad.
5,000
4. Worldwide Travel Assistance Services6
24-hour worldwide emergency medical evacuation repatriation after treatment.

Deposit guarantee for hospital admission.

Unexpected return to Macau, Compassionate Visit, Children Escort Arrangements, etc.
2,000,000


40,000(as stated in Policy Appendix)

Covered
5. Terrorism Extension4
(Applicable to the above Benefits 1-4)
Extends to provide you with Worldwide Travel Assistance Services as well as cover in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism under Personal Accident and Medical Expenses Sections.
3,000,000
6. Amateur Dangerous Sports Coverage4
Pay you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, skiing, snowboarding, tobogganing, sledding, water skiing, wakesurfing, wakeboarding, rafting, sailing, windsurfing, bungee jumping, horse riding, trekking or hiking, parasailing, banana boat trip, canoeing, kayaking, sea kayaking, underwater strolling, sand boarding, safari adventures, or zipline adventure activities.
Up to 250,000 benefits under the Personal Accident and Medical Expenses Sections
 Up to 125,000 benefits under the Personal Accident and Medical Expenses Sections
7. Trip Cancellation and Curtailment
Reimburses expenses of unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e) or close business partner; residential fire or flooding; jury services, witness summons or compulsory quarantine of you; or if you decide to cancel your trip due to adverse weather conditions, natural disaster directly resulting in suspension of public transport, strike, industrial action, riot or mechanical and/or electrical breakdown of the public transport which results in delay in departure from Macau for not less than 24 hours.

For Level 3 or 2 Alert under the Macau Travel Alert System under the Outbound Travel Alert System:
  • If the Level 3 Alert under the Macau Travel Alert System is hoisted, pays up to 100% of the relevant loss and up to 100% of the section limit, or if the Level 2 Alert under the Macau Travel Alert System is hoisted, pays up to 50% of the relevant loss and up to 50% the section limit.
  • Pays up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed
  • Reimburses additional transport expenses if you are forced to leave the city you are staying for another city in order to return to Macau
  • Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Macau
50,000
25,000
8.
Replacement
Employee7
Reimburses transport costs of sending an employee overseas to replace the insured person who needs to be repatriated to Macau due to bodily injury or sickness. The maximum amount payable will not exceed an economy class air ticket.
20,000
9. Travel Delay
Pays HK$250 for first 6 hours and each subsequent period of 12 hours of delay if
  • the arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport or closure of the airport, or mechanical and/or electrical breakdown of the public transport or
  • your trip is delayed due to the death, serious bodily injury or serious sickness of you, your immediate family members, fiancé (e) or close business partner travelling with you abroad.
  • If the original departure and arrival ports/airports of the Public Transport conveyance that you have arranged are in/from mainland China, the maximum cover is HK$500.
2,000
1,000
10. Trip Rearrangement
Reimburses unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) you have paid or payments for which you are legally obliged to pay, or reimburses additional transport and/or accommodation expenses incurred, and which are not recoverable from any other source in reaching your planned destination, or for your return trip to Macau if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in Suspension of Public Transport.

Pays for accommodation expenses up to HK$1,000 per day
7,500
5,000
11. Delay Due to Hijack
Pays HK$500 for each day that you are prevented from reaching your scheduled destination through hijack of the aircraft in which you are travelling.
2,500
12. Loss of Baggage
Pays for accidental loss of or damage to personal baggage. The maximum amount we will pay for:
  • any single article, pair or set of articles is HK$2,000.
  • all of your sports equipment is HK$5,000 in total.
  • all of your valuables is HK$5,000 in total.
  • all of your cameras, camcorders and audio/video equipment is HK$5,000 in total.
  • any mobile phone is HK$2,000 (mobile phone cover is for plan A only and is not applicable to Insured Person(s) who is(are) aged below 18 under Family Plan)
20,000
15,000
13. Delayed Baggage
Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 12 hours on the outward journey.
1,500
1,000
14.
Loss of Business Documents or Samples
Reimburses the cost of replacing business records, documents or samples which have been lost or damaged.
(The maximum cover for any one article is HK$1,000)

(Excess HK$200)
2,500
15. Personal Money, Documents and Additional Accommodation Expenses
Cover the loss of cash or travellers cheques directly arising from theft, robbery or burglary during the Period of Insurance, subject to a maximum amount of HK$3,000 for Plan A and HK$2,000 for Plan B.9

Reimburses the replacement cost of Macau identity card, credit cards,driving licence, travel tickets, hotel vouchers or passport.

Covers the loss of travellers’ cheques and foreign currency purchased in respect of the Journey for up to 72 hours before the planned departure time in Macau due to theft or burglary.

Pays for additional travel and accommodation expenses which are necessary to obtain a replacement passport if your passport is lost or stolen while you are abroad.

(Excess HK$200)
10,000
5,000
16. Personal Liability
Pays for any amount which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property.
2,500,000
17. Rental Vehicle Excess
Pays an excess which you become liable to pay under the agreement with licensed rental company for loss of or damage to the vehicle that you rent.
5,000
18. Automatic Extension of Cover
(Applicable to the above Benefits 2, 9, 10 and 11)
Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under Travel Delay Section(Travel Delay, Trip Rearrangement, Delay Due to Hijack).

Cover is automatically extended free of charge up to 30 days in the event of delays due to bodily injury or illness covered under Medical Expenses Section.
Covered
Important Notes:
  1. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 65 years of age will be limited to only 25% of the Sum Insured.
  2. The maximum indemnity under Personal Accident Section for an Insured Person who is under 18 years of age will be limited to HK$250,000.
  3. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
  4. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
  5. The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 65 years of age.
  6. 24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Macau.
  7. The Replacement Employee Benefit is only applicable if the Insured is either an incorporated or unincorporated company.
  8. "Loss of one limb" is defined in the Policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
  9. This benefit is not applicable to Insured Person(s) is(are) below 18 years of age and insured under a Family Plan.
 
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Plan
 Personal Incident
Sum Insured (HK$)		 Annual Premium (HK$)
Individual Plan (HK$)
Family Plan* (HK$)
A
 1,000,000
2,206
5,514
B 500,000 1,902 4,754

*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) below 18 years of age

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
  • Any liability arising from a contractual agreement without the prior consent of Us is not covered
  • Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
  • Professional or organised dangerous sports or activities
  • Any organized sports, any kind of race, motor rallies and competition, mountaineering or rock-climbing (necessitating the use of ropes or pitons), iceberg climbing, potholing, speed or endurance tests, marathon or any tour with bicycle riding as the main transportation during the insured journey, parachuting, skydiving, hang-gliding, trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level, water motorcycling/ jet-skiing, jet-boating, speed-boating, dune driving, snow motorcycling, ski-jumping, ice hockey, the use of bob-sleighs or skeletons, the use of firearms, or other hazardous pursuits or occupations.
  • Manual work undertaken during business trips
  • Suicide, intentional self-inflicted injury, insanity
  • Mental or nervous disorders, sleep disorder, psychiatric disorder
  • Alcoholic and drug addiction or solvent abuse
  • HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
  • Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
  • Air flight crew
  • Unlawful acts
  • War and terrorism (Except for Terrorism Extended Cover)
  • Nuclear weapons and radiations
  • Loss of or damage to any pager, mobile phone (except for the benefit specifically provided under the above Benefit 12), tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
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