TravelSurance

• engaging in:

- any sports or activities which are played in professional capacity or in competition involving prize money or reward of any kind 

- deep water diving (that is diving to a depth of greater than 40 metres)

- motor rallies

- aviation other than as a fare-paying passenger

• manual work or hazardous work (eg involving the use of mechanical and/or electrical equipment or handling of explosive or hazardous substances, etc.)
• property more specifically insured 
• claims where no written notification is given to AXA General Insurance Hong Kong Limited within 31 days after end of the trip

For a full list of exclusions and terms and conditions, please refer to our policy wordings.

Yes, non-HKID holders can apply for TravelSurance via HSBC branches, as long as the trip starts from, and returns to, the Hong Kong SAR.

If cover is required for children under 18 years old, parent’s or legal guardian’s[@legalguardiantravelsurance] information must be provided during the application process. For children aged under 12 years old, they must be accompanied by an adult during the trip.

Yes, you can buy TravelSurance for your friends and your friends’ child(ren) who is/are under 18 years old by providing your friend’s full name, HKID number and date of birth.

If cover is required for children under 18 years old, parent’s or legal guardian’s[@legalguardiantravelsurance] information must be provided during the application process. For children under 12 years old, they must be accompanied by an adult during the trip.

You can call the Emergency Assistance Hotline on (852) 2528 9333 at any time for emergency medical and evacuation assistance, travel information, baggage assistance, medical referrals, legal referrals and emergency ticketing. The hotline operates in English, Cantonese and Mandarin.

Should you have any queries about your policy, including request to extend the covered period, you can call our insurance service hotline at (852) 2867 8678 (during office hours) or manage your policy at ease by e-Policy servicing after logging on to HSBC Online Banking if you are an HSBC Online Banking customer. This online service provides you with 24-hour access to your policy details and allows you to submit policy service requests without hassle. Please note the covered period can be extended during travelling if you give us the notice of change before the start date of the extension while the policy is still in force. However, please note any extension is subject to AXA’s approval.

In case you are confined in overseas hospital for over 24 hours due to accidental bodily injury or sickness during the trip and appoint a local translator referred by Emergency Assistance Service, a maximum of HKD500 per day subject to a HKD5,000 per trip is payable for the interpretation service.

If you are insured under Asia or Worldwide Standard Plan, in the event the common carrier in your original travel itinerary is delayed during the trip for more than 6 hours due to covered conditions and you decide to buy another one-way travel ticket to catch up with the planned itinerary, the additional and reasonable cost of the ticket replacement will be reimbursed, up to HKD2,000 for Asia Standard Plan and HKD4,000 for Worldwide Standard Plan.

Please note that cash allowance and trip re-routing benefits will not be payable if catch-up ticket benefit is paid, and vice versa.

TravelSurance covers various kinds of sports and activities provided that they are not played in professional capacity or in competition involving prize money or reward of any kind. For example, you are covered for dune driving, sand boarding, safari adventures, whale tours, hot springs, horse riding, cable cars, iceberg climbing, watching auto racing, water sports, skiing, ice-skating, biking, thrill rides at amusement parks etc.

TravelSurance also covers hazardous sports activities such as hot air ballooning, bungee jumping, hang-gliding, parachuting, zipline, rafting, speed-boating, jet-skiing, trekking, water skiing, wakeboarding, wakesurfing, sea kayaking, scuba-diving (that is diving to a depth not greater than 40 metres), mountaineering, rock-climbing etc.

To see what you’ll be covered for under TravelSurance, check the full list.

Except Greater Bay Area plan, you will be protected against the issuance of the Travel Alert in the following ways, provided that no claim has been paid. Before the trip, you may:

• upon any Travel Alert, cancel your Single Trip policy and receive a full premium and levy[@insurance-travelsurance-levyrefund] refund;
• upon Red Travel Alert (except for the reason of a pandemic), be reimbursed up to 50% of the irrecoverable deposits or charges paid in advance upon cancellation of trip up to HKD50,000 for Standard Plan and HKD25,000 for Basic Plan.
• upon Black Travel Alert (except for the reason of a pandemic), be reimbursed up to 100% of the irrecoverable deposits or charges paid in advance upon cancellation of trip up to HKD50,000 for Standard Plan and HKD25,000 for Basic Plan.

During the trip, you may:

• upon any Travel Alert, have your insurance automatically extended for 10 days free if your trip is unavoidably delayed;
• upon Red Travel Alert, be reimbursed up to 50% of the unused irrecoverable prepaid costs or additional travel-related costs upon curtailment of trip for up to HKD50,000 for Standard Plan and HKD25,000 for Basic Plan.
• upon Black Travel Alert, be reimbursed up to 100% of the unused irrecoverable prepaid or additional travel-related costs upon curtailment of trip for up to HKD50,000 for Standard Plan and HKD25,000 for Basic Plan.
• upon Black Travel Alert, obtain an additional HKD1,000 allowance to subsidise any unexpected cost due to curtailment of trip or unavoidable delay of the scheduled trip.

The policy covers medical expenses incurred provided that such sickness or disease is not in existence prior to the trip, and not caused by:

• an event of same nature mentioned in the black or red travel alert (except for the reason of COVID-19), unless the journey has been started before the issuance of such travel alerts.
• claims relating to the vaccine-preventable diseases if prior to the trip: (i) the insured person fails to obtain the related vaccine; and (ii) the vaccine is mandatorily required by the government(s) of Hong Kong SAR and/or the destination where the insured person has planned to travel.

For Greater Bay Area Plan, this benefit is only applicable for medical treatment requiring hospitalisation.

If you have taken out the MultiTrip Worldwide Plan, you are entitled to 6 free virtual medical consultations per period of insurance by using MyDoc Health Passport. The consultations are usually available during local doctors’ office hours. Following a virtual medical consultation, you may choose to obtain the prescribed medication and have it delivered to your doorstep as needed during specific hours; however, this will incur charges which you will need to pay first and may then claim in accordance with your policy if eligible.

The virtual medical consultation is currently available in Tokyo, Osaka, Hokkaido and Fukuoka for Japan, and countrywide for Singapore, Thailand and Vietnam.

You will receive a confirmation email with a step-by-step guide on how to use the virtual medical consultation service.

Please note the above details are subject to change without prior notice.

Natural Disaster does not include epidemic or pandemic.