TravelSurance Coverage

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Section 1 – Personal Accident
Section 2 – Medical and Other Expenses
Section 3 – Overseas Emergency Assistance
Section 4 – Overseas Hospital Cash
Section 5 - Baggage and Personal Effects
Section 6 – Delayed Baggage (over 6 hours)
Section 7 – Personal Money/ Unauthorised Use of Credit Card, Travel Documents & Travel Tickets
Section 8 - Personal Liability
Section 9 – Travel Delay [(9A and/or 9B) OR 9C]
Section 10 – Trip Cancellation or Loss of Deposit and Trip Curtailment
Section 11 – Missed Event
Section 12 – Rental Vehicle Excess
Section 13 - China Medical Card

Section 1 – Personal Accident
Personal Accident	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
Section Limit	HKD500,000	HKD500,000	HKD1,200,000	HKD800,000	HKD2,000,000
Personal Accident Accidental Death and Permanent Disablement.	HKD500,000	HKD500,000	HKD1,200,000	HKD800,000	HKD2,000,000
Credit Card Protection (not applicable to Children and on top of the Section Limit) Covers outstanding HSBC credit card balance payable by an insured person for items and sundries purchased and charged to such card while outside Hong Kong SAR during a trip in the event of accidental death of an insured person outside Hong Kong SAR.	Not Covered	HKD50,000	HKD50,000	HKD50,000	HKD50,000
Compassionate Death Cash Provides immediate cash relief payment if an insured person suffers accidental death due to accidental bodily injury when abroad.	HKD20,000	Not Covered	Not Covered	Not Covered	Not Covered

Section 1 – Personal Accident
Personal Accident	Section Limit
Greater Bay Area	HKD500,000
Asia Basic	HKD500,000
Asia Standard	HKD1,200,000
Worldwide Basic	HKD800,000
Worldwide Standard	HKD2,000,000

Personal Accident	Personal Accident Accidental Death and Permanent Disablement.
Greater Bay Area	HKD500,000
Asia Basic	HKD500,000
Asia Standard	HKD1,200,000
Worldwide Basic	HKD800,000
Worldwide Standard	HKD2,000,000

Personal Accident	Credit Card Protection (not applicable to Children and on top of the Section Limit) Covers outstanding HSBC credit card balance payable by an insured person for items and sundries purchased and charged to such card while outside Hong Kong SAR during a trip in the event of accidental death of an insured person outside Hong Kong SAR.
Greater Bay Area	Not Covered
Asia Basic	HKD50,000
Asia Standard	HKD50,000
Worldwide Basic	HKD50,000
Worldwide Standard	HKD50,000

Personal Accident	Compassionate Death Cash Provides immediate cash relief payment if an insured person suffers accidental death due to accidental bodily injury when abroad.
Greater Bay Area	HKD20,000
Asia Basic	Not Covered
Asia Standard	Not Covered
Worldwide Basic	Not Covered
Worldwide Standard	Not Covered

Section 2 – Medical and Other Expenses
Medical and Other Expenses	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
Section Limit	HKD300,000	HKD600,000	HKD5,000,000	HKD1,000,000	HKD5,000,000
1. Medical Treatment Expenses¹ Covers medical expenses, additional accommodation and travelling expenses due to accidental bodily injury or sickness sustained during trip abroad.	Fully Covered (In-patient only)	Fully Covered	Fully Covered	Fully Covered	Fully Covered
2. Family Member Travelling Overseas to Visit Hospitalised Insured Person Covers family member's accommodation and travelling expenses if an insured person is confined in an overseas hospital due to his/ her accidental bodily injury or sickness	Not Covered	HKD30,000 (1 person)	HKD80,000 (1 person)	HKD30,000 (1 person)	HKD80,000 (1 person)
3. Follow-up Medical Treatment within 3 Months of End of Trip Covers follow-up medical treatment upon return to Hong Kong SAR due to accidental bodily injury or sickness sustained during trip abroad.	HKD10,000	Fully Covered	Fully Covered	Fully Covered	Fully Covered
4. Returning Child(ren) to Hong Kong SAR Covers additional accommodation and travelling expenses for returning insured person’s unattended child(ren) aged below 18, back to Hong Kong SAR in the event of an insured person being confined in an overseas hospital due to his/ her accidental bodily injury or sickness	Not Covered	HKD60,000	Fully Covered	HKD60,000	Fully Covered
5. Interpretation Service in Overseas Hospital Covers costs of hiring a translator whilst an insured person is confined in an overseas hospital	Not Covered	HKD5,000 (HKD500 per day)	HKD5,000 (HKD500 per day)	HKD5,000 (HKD500 per day)	HKD5,000 (HKD500 per day)
6. Trauma Counselling Pays for the counseling fees if an insured person is a witness and /or victim of a traumatic event	Not Covered	Not Covered	HKD25,000	Not Covered	HKD25,000
7. Virtual Medical Consultation² Provides virtual medical consultation through MyDoc Health Passport in specific locations of Japan, Thailand, Vietnam and the Singapore	Not Covered	Not Covered	Not Covered	6 free consultation services per Period of Insurance (applicable for MultiTrip only)	6 free consultation services per Period of Insurance (applicable for MultiTrip only)
Sub-limit for 1. and 3. above for Chinese Medicine Practitioner	HKD1,500 (HKD150 per day)	HKD1,000 (HKD100 per day)	HKD1,000 (HKD100 per day)	HKD1,000 (HKD100 per day)	HKD1,000 (HKD100 per day)

Section 2 – Medical and Other Expenses
Medical and Other Expenses	Section Limit
Greater Bay Area	HKD300,000
Asia Basic	HKD600,000
Asia Standard	HKD5,000,000
Worldwide Basic	HKD1,000,000
Worldwide Standard	HKD5,000,000

Medical and Other Expenses	1. Medical Treatment Expenses¹ Covers medical expenses, additional accommodation and travelling expenses due to accidental bodily injury or sickness sustained during trip abroad.
Greater Bay Area	Fully Covered (In-patient only)
Asia Basic	Fully Covered
Asia Standard	Fully Covered
Worldwide Basic	Fully Covered
Worldwide Standard	Fully Covered

Medical and Other Expenses	2. Family Member Travelling Overseas to Visit Hospitalised Insured Person Covers family member's accommodation and travelling expenses if an insured person is confined in an overseas hospital due to his/ her accidental bodily injury or sickness
Greater Bay Area	Not Covered
Asia Basic	HKD30,000 (1 person)
Asia Standard	HKD80,000 (1 person)
Worldwide Basic	HKD30,000 (1 person)
Worldwide Standard	HKD80,000 (1 person)

Medical and Other Expenses	3. Follow-up Medical Treatment within 3 Months of End of Trip Covers follow-up medical treatment upon return to Hong Kong SAR due to accidental bodily injury or sickness sustained during trip abroad.
Greater Bay Area	HKD10,000
Asia Basic	Fully Covered
Asia Standard	Fully Covered
Worldwide Basic	Fully Covered
Worldwide Standard	Fully Covered

Medical and Other Expenses	4. Returning Child(ren) to Hong Kong SAR Covers additional accommodation and travelling expenses for returning insured person’s unattended child(ren) aged below 18, back to Hong Kong SAR in the event of an insured person being confined in an overseas hospital due to his/ her accidental bodily injury or sickness
Greater Bay Area	Not Covered
Asia Basic	HKD60,000
Asia Standard	Fully Covered
Worldwide Basic	HKD60,000
Worldwide Standard	Fully Covered

Medical and Other Expenses	5. Interpretation Service in Overseas Hospital Covers costs of hiring a translator whilst an insured person is confined in an overseas hospital
Greater Bay Area	Not Covered
Asia Basic	HKD5,000 (HKD500 per day)
Asia Standard	HKD5,000 (HKD500 per day)
Worldwide Basic	HKD5,000 (HKD500 per day)
Worldwide Standard	HKD5,000 (HKD500 per day)

Medical and Other Expenses	6. Trauma Counselling Pays for the counseling fees if an insured person is a witness and /or victim of a traumatic event
Greater Bay Area	Not Covered
Asia Basic	Not Covered
Asia Standard	HKD25,000
Worldwide Basic	Not Covered
Worldwide Standard	HKD25,000

Medical and Other Expenses	7. Virtual Medical Consultation² Provides virtual medical consultation through MyDoc Health Passport in specific locations of Japan, Thailand, Vietnam and the Singapore
Greater Bay Area	Not Covered
Asia Basic	Not Covered
Asia Standard	Not Covered
Worldwide Basic	6 free consultation services per Period of Insurance (applicable for MultiTrip only)
Worldwide Standard	6 free consultation services per Period of Insurance (applicable for MultiTrip only)

Medical and Other Expenses	Sub-limit for 1. and 3. above for Chinese Medicine Practitioner
Greater Bay Area	HKD1,500 (HKD150 per day)
Asia Basic	HKD1,000 (HKD100 per day)
Asia Standard	HKD1,000 (HKD100 per day)
Worldwide Basic	HKD1,000 (HKD100 per day)
Worldwide Standard	HKD1,000 (HKD100 per day)

Section 3 – Overseas Emergency Assistance
Overseas Emergency Assistance	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
3A. Emergency Medical Evacuation Covers expenses for evacuation as a result of an accidental bodily injury or sickness sustained abroad during a trip	Fully Covered	Fully Covered	Fully Covered	Fully Covered	Fully Covered
3B. Repatriation of Remains Covers the cost for burial or cremation abroad; or the cost of transport of body or ashes back to Hong Kong	Fully Covered	Fully Covered	Fully Covered	Fully Covered	Fully Covered
3C. Overseas Funeral Expenses Covers the cost for funeral abroad	Not Covered	HKD100,000	HKD100,000	HKD100,000	HKD100,000

Section 3 – Overseas Emergency Assistance
Overseas Emergency Assistance	3A. Emergency Medical Evacuation Covers expenses for evacuation as a result of an accidental bodily injury or sickness sustained abroad during a trip
Greater Bay Area	Fully Covered
Asia Basic	Fully Covered
Asia Standard	Fully Covered
Worldwide Basic	Fully Covered
Worldwide Standard	Fully Covered

Overseas Emergency Assistance	3B. Repatriation of Remains Covers the cost for burial or cremation abroad; or the cost of transport of body or ashes back to Hong Kong
Greater Bay Area	Fully Covered
Asia Basic	Fully Covered
Asia Standard	Fully Covered
Worldwide Basic	Fully Covered
Worldwide Standard	Fully Covered

Overseas Emergency Assistance	3C. Overseas Funeral Expenses Covers the cost for funeral abroad
Greater Bay Area	Not Covered
Asia Basic	HKD100,000
Asia Standard	HKD100,000
Worldwide Basic	HKD100,000
Worldwide Standard	HKD100,000

Section 4 – Overseas Hospital Cash¹
Overseas Hospital Cash¹	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
Cash benefit for admission to a hospital abroad as an in-patient due to accidental bodily injury or sickness sustained abroad during a trip.	Not Covered	HKD6,000 (HKD500 per day)	HKD6,000 (HKD500 per day)	HKD6,000 (HKD500 per day)	HKD6,000 (HKD500 per day)

Section 4 – Overseas Hospital Cash¹
Overseas Hospital Cash¹	Cash benefit for admission to a hospital abroad as an in-patient due to accidental bodily injury or sickness sustained abroad during a trip.
Greater Bay Area	Not Covered
Asia Basic	HKD6,000 (HKD500 per day)
Asia Standard	HKD6,000 (HKD500 per day)
Worldwide Basic	HKD6,000 (HKD500 per day)
Worldwide Standard	HKD6,000 (HKD500 per day)

Section 5 - Baggage and Personal Effects
Baggage and Personal Effect	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
5A. Baggage and Personal Effects Section limit	HKD1,000	HKD8,000	HKD20,000	HKD8,000	HKD20,000
Sub-limit 1. Sports equipment, photographic equipment and electronic Items (excluding mobile phone which is covered under Item 2 below or Section 5B) Limit per item/ pair/ set	HKD500	HKD1,500	HKD6,000	HKD1,500	HKD6,000
2. Mobile phone Limit per item (subject to 20% excess for each claim)	Covered under Section 5B	HKD2,000	HKD6,000	HKD2,000	HKD6,000
3. Suitcase Limit per item	HKD300	HKD1,000	HKD1,000	HKD1,000	HKD1,000
4. Others Limit per item/pair/set	HKD500	HKD1,500	HKD3,000	HKD1,500	HKD3,000
5B. Mobile Phone Limit per item (subject to 20% excess for each claim)	HKD2,000	Covered under Section 5A	Covered under Section 5A	Covered under Section 5A	Covered under Section 5A

Section 5 - Baggage and Personal Effects
Baggage and Personal Effect	5A. Baggage and Personal Effects Section limit
Greater Bay Area	HKD1,000
Asia Basic	HKD8,000
Asia Standard	HKD20,000
Worldwide Basic	HKD8,000
Worldwide Standard	HKD20,000

Baggage and Personal Effect	Sub-limit 1. Sports equipment, photographic equipment and electronic Items (excluding mobile phone which is covered under Item 2 below or Section 5B) Limit per item/ pair/ set
Greater Bay Area	HKD500
Asia Basic	HKD1,500
Asia Standard	HKD6,000
Worldwide Basic	HKD1,500
Worldwide Standard	HKD6,000

Baggage and Personal Effect	2. Mobile phone Limit per item (subject to 20% excess for each claim)
Greater Bay Area	Covered under Section 5B
Asia Basic	HKD2,000
Asia Standard	HKD6,000
Worldwide Basic	HKD2,000
Worldwide Standard	HKD6,000

Baggage and Personal Effect	3. Suitcase Limit per item
Greater Bay Area	HKD300
Asia Basic	HKD1,000
Asia Standard	HKD1,000
Worldwide Basic	HKD1,000
Worldwide Standard	HKD1,000

Baggage and Personal Effect	4. Others Limit per item/pair/set
Greater Bay Area	HKD500
Asia Basic	HKD1,500
Asia Standard	HKD3,000
Worldwide Basic	HKD1,500
Worldwide Standard	HKD3,000

Baggage and Personal Effect	5B. Mobile Phone Limit per item (subject to 20% excess for each claim)
Greater Bay Area	HKD2,000
Asia Basic	Covered under Section 5A
Asia Standard	Covered under Section 5A
Worldwide Basic	Covered under Section 5A
Worldwide Standard	Covered under Section 5A

Section 6 – Delayed Baggage (over 6 hours)
Delayed Baggage (over 6 hours)	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
Reimburses emergency purchases of essential items or clothing due to delay or misdirection of baggage for at least 6 hours from time of arrival at destination abroad.	Not Covered	HKD1,000	HKD2,000	HKD1,000	HKD2,000

Section 6 – Delayed Baggage (over 6 hours)
Delayed Baggage (over 6 hours)	Reimburses emergency purchases of essential items or clothing due to delay or misdirection of baggage for at least 6 hours from time of arrival at destination abroad.
Greater Bay Area	Not Covered
Asia Basic	HKD1,000
Asia Standard	HKD2,000
Worldwide Basic	HKD1,000
Worldwide Standard	HKD2,000

Section 7 – Personal Money/Unauthorised Use of Credit Card, Travel Documents & Travel Tickets
Personal Money/Unauthorised Use of Credit Card and Travel Documents & Travel Tickets	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
7A. Personal Money/Unauthorised Use of Credit Card Pays for accidental loss of cash, travellers' cheques etc. (not applicable to Children except aged 12 or above and travelling alone; limited to HKD1,500) Indemnifies the monetary loss caused by unauthorised use of credit card in the event of loss of card during the trip.	Not Covered	HKD1,500	HKD5,000	HKD1,500	HKD5,000
7B.Travel Document & Travel Ticket Pays for replacement cost, transportation and accommodation cost due to accidental loss, theft, robbery or burglary of travel document & travel ticket	HKD2,000 (accommodation: HKD500 per day)	HKD10,000 (accommodation: HKD500 per day)	HKD10,000 (accommodation: HKD1,000 per day)	HKD10,000 (accommodation: HKD500 per day)	HKD10,000 (accommodation: HKD1,000 per day)

Section 7 – Personal Money/Unauthorised Use of Credit Card, Travel Documents & Travel Tickets
Personal Money/Unauthorised Use of Credit Card and Travel Documents & Travel Tickets	7A. Personal Money/Unauthorised Use of Credit Card Pays for accidental loss of cash, travellers' cheques etc. (not applicable to Children except aged 12 or above and travelling alone; limited to HKD1,500) Indemnifies the monetary loss caused by unauthorised use of credit card in the event of loss of card during the trip.
Greater Bay Area	Not Covered
Asia Basic	HKD1,500
Asia Standard	HKD5,000
Worldwide Basic	HKD1,500
Worldwide Standard	HKD5,000

Personal Money/Unauthorised Use of Credit Card and Travel Documents & Travel Tickets	7B.Travel Document & Travel Ticket Pays for replacement cost, transportation and accommodation cost due to accidental loss, theft, robbery or burglary of travel document & travel ticket
Greater Bay Area	HKD2,000 (accommodation: HKD500 per day)
Asia Basic	HKD10,000 (accommodation: HKD500 per day)
Asia Standard	HKD10,000 (accommodation: HKD1,000 per day)
Worldwide Basic	HKD10,000 (accommodation: HKD500 per day)
Worldwide Standard	HKD10,000 (accommodation: HKD1,000 per day)

Section 8 - Personal Liability
Personal Liability	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
Indemnifies an insured person’s legal liability for accidental bodily injury to a third party or damage to property belonging to a third party.	HKD500,000	HKD10,000,000	HKD10,000,000	HKD10,000,000	HKD10,000,000

Section 8 - Personal Liability
Personal Liability	Indemnifies an insured person’s legal liability for accidental bodily injury to a third party or damage to property belonging to a third party.
Greater Bay Area	HKD500,000
Asia Basic	HKD10,000,000
Asia Standard	HKD10,000,000
Worldwide Basic	HKD10,000,000
Worldwide Standard	HKD10,000,000

Section 9 – Travel Delay [(9A and/or 9B) OR 9C]

Covers for the departure or arrival delay of the scheduled common carrier from the time specified in the original travel itinerary due to strike or industrial action, hijack, adverse weather conditions, natural disasters, airport closure, mechanical and/or electrical breakdown or structural defect of scheduled aircraft, sea vessel, train or other common carrier.
Travel Delay [(9A and/or 9B) OR 9C]	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
9A. Cash Allowance	HKD950	HKD2,000	HKD2,500	HKD2,000	HKD2,500
Sublimit (a) Common Carrier Provides cash allowance for every 6 hours of departure or arrival delay of the same common carrier. You can only claim for either departure delay or arrival delay	HKD300 for each 6 hours (excluding high-speed rail train which is covered under Section 9A(b))	HKD200 for each 6 hours	HKD250 for each 6 hours	HKD200 for each 6 hours	HKD250 for each 6 hours
(b) High-speed Rail Train Provides cash allowance for every 3 hours of departure or arrival delay of a high-speed rail train	HKD350 for first 3 hours and HKD300 for each 3 hours hereafter	Covered under Section 9A(a)	Covered under Section 9A(a)	Covered under Section 9A(a)	Covered under Section 9A(a)
9B. Trip Re-routing Costs	HKD1,200	Not Covered	HKD4,000	Not Covered	HKD4,000
Sublimit (a) Common Carrier Pays for additional accommodation and re-routing costs if the scheduled common carrier is cancelled due to delay for at least 6 hours	HKD1,200 (excluding high-speed rail train which is covered under Section 9B(b))	Not Covered	HKD4,000 (accommodation: HKD2,000 per day)	Not Covered	HKD4,000 (accommodation: HKD2,000 per day)
(b) High-speed Rail Train Pays for additional accommodation and for re-routing costs if the scheduled high-speed rail train is cancelled due to delay for at least 3 hours	HKD1,200	Not Covered	Covered under Section 9B(a)	Not Covered	Covered under Section 9B(a)
OR 9C. Catch Up Ticket Costs Pays for costs of replacement travel tickets in order to catch up with travel plan due to travel delay for at least 6 hours Note: If Sections 9A and/or 9B are payable, Section 9C will not be payable, and vice versa.	Not Covered	Not Covered	HKD2,000	Not Covered	HKD4,000

Section 9 – Travel Delay [(9A and/or 9B) OR 9C]

Covers for the departure or arrival delay of the scheduled common carrier from the time specified in the original travel itinerary due to strike or industrial action, hijack, adverse weather conditions, natural disasters, airport closure, mechanical and/or electrical breakdown or structural defect of scheduled aircraft, sea vessel, train or other common carrier.
Travel Delay [(9A and/or 9B) OR 9C]	9A. Cash Allowance
Greater Bay Area	HKD950
Asia Basic	HKD2,000
Asia Standard	HKD2,500
Worldwide Basic	HKD2,000
Worldwide Standard	HKD2,500

Travel Delay [(9A and/or 9B) OR 9C]	Sublimit (a) Common Carrier Provides cash allowance for every 6 hours of departure or arrival delay of the same common carrier. You can only claim for either departure delay or arrival delay
Greater Bay Area	HKD300 for each 6 hours (excluding high-speed rail train which is covered under Section 9A(b))
Asia Basic	HKD200 for each 6 hours
Asia Standard	HKD250 for each 6 hours
Worldwide Basic	HKD200 for each 6 hours
Worldwide Standard	HKD250 for each 6 hours

Travel Delay [(9A and/or 9B) OR 9C]	(b) High-speed Rail Train Provides cash allowance for every 3 hours of departure or arrival delay of a high-speed rail train
Greater Bay Area	HKD350 for first 3 hours and HKD300 for each 3 hours hereafter
Asia Basic	Covered under Section 9A(a)
Asia Standard	Covered under Section 9A(a)
Worldwide Basic	Covered under Section 9A(a)
Worldwide Standard	Covered under Section 9A(a)

Travel Delay [(9A and/or 9B) OR 9C]	9B. Trip Re-routing Costs
Greater Bay Area	HKD1,200
Asia Basic	Not Covered
Asia Standard	HKD4,000
Worldwide Basic	Not Covered
Worldwide Standard	HKD4,000

Travel Delay [(9A and/or 9B) OR 9C]	Sublimit (a) Common Carrier Pays for additional accommodation and re-routing costs if the scheduled common carrier is cancelled due to delay for at least 6 hours
Greater Bay Area	HKD1,200 (excluding high-speed rail train which is covered under Section 9B(b))
Asia Basic	Not Covered
Asia Standard	HKD4,000 (accommodation: HKD2,000 per day)
Worldwide Basic	Not Covered
Worldwide Standard	HKD4,000 (accommodation: HKD2,000 per day)

Travel Delay [(9A and/or 9B) OR 9C]	(b) High-speed Rail Train Pays for additional accommodation and for re-routing costs if the scheduled high-speed rail train is cancelled due to delay for at least 3 hours
Greater Bay Area	HKD1,200
Asia Basic	Not Covered
Asia Standard	Covered under Section 9B(a)
Worldwide Basic	Not Covered
Worldwide Standard	Covered under Section 9B(a)

Travel Delay [(9A and/or 9B) OR 9C]	OR 9C. Catch Up Ticket Costs Pays for costs of replacement travel tickets in order to catch up with travel plan due to travel delay for at least 6 hours Note: If Sections 9A and/or 9B are payable, Section 9C will not be payable, and vice versa.
Greater Bay Area	Not Covered
Asia Basic	Not Covered
Asia Standard	HKD2,000
Worldwide Basic	Not Covered
Worldwide Standard	HKD4,000

Section 10 – Trip Cancellation or Loss of Deposit and Trip Curtailment
Trip Cancellation or Loss of Deposite and Trip Curtailment	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
Section Limit	HKD5,000	HKD25,000	HKD50,000	HKD25,000	HKD50,000
10A. Trip Cancellation or Loss of Deposit Reimburses irrecoverable payments or deposits of tour, transportation or accommodation on cancellation of a trip due to: (a) death, serious bodily injury or serious illness of the insured person, a travelling companion, insured person’s family members or close business associates; (b) witness summons, jury service or compulsory quarantine of insured person; (c) unexpected outbreak of riot or civil commotion, strike, terrorism, natural disasters or adverse weather conditions at the planned destination arising out of circumstances beyond the control of the insured person; (d) serious damage of insured person’s principal residence from fire, flood or natural disaster within one week from the departure date; (e) issuance of Black or Red Travel Alert (except for the reason of a pandemic) for the planned destination. This benefit is not applicable for Greater Bay Area plan. Note: Upon Red Travel Alert, this payable up to 50% of the irrecoverable deposits or charges paid in advance.	HKD5,000	HKD25,000	HKD50,000	HKD25,000	HKD50,000
10B. Trip Curtailment Reimburses unused irrecoverable prepaid transport and accommodation costs of trip OR additional accommodation and travel costs back to Hong Kong SAR due to necessary and unavoidable curtailment of a trip due to: (a) death, serious bodily injury or serious illness of the insured person, a travelling companion, insured person’s family members or close business associates; (b) unexpected outbreak of riot or civil commotion, strike, terrorism, natural disasters, adverse weather conditions or hijack occurring at the planned destination arising out of circumstances beyond the control of the insured person; (c) serious damage to insured person’s principal residence from fire, flood or natural disaster; (d) issuance of Black Alert or Red Alert for the destination during the trip. Note: Upon Red Travel Alert, this is payable up to 50% of the unused irrecoverable prepaid costs or additional travel-related costs.	Not Covered	HKD25,000	HKD50,000	HKD25,000	HKD50,000

Section 10 – Trip Cancellation or Loss of Deposit and Trip Curtailment
Trip Cancellation or Loss of Deposite and Trip Curtailment	Section Limit
Greater Bay Area	HKD5,000
Asia Basic	HKD25,000
Asia Standard	HKD50,000
Worldwide Basic	HKD25,000
Worldwide Standard	HKD50,000

Trip Cancellation or Loss of Deposite and Trip Curtailment	10A. Trip Cancellation or Loss of Deposit Reimburses irrecoverable payments or deposits of tour, transportation or accommodation on cancellation of a trip due to: (a) death, serious bodily injury or serious illness of the insured person, a travelling companion, insured person’s family members or close business associates; (b) witness summons, jury service or compulsory quarantine of insured person; (c) unexpected outbreak of riot or civil commotion, strike, terrorism, natural disasters or adverse weather conditions at the planned destination arising out of circumstances beyond the control of the insured person; (d) serious damage of insured person’s principal residence from fire, flood or natural disaster within one week from the departure date; (e) issuance of Black or Red Travel Alert (except for the reason of a pandemic) for the planned destination. This benefit is not applicable for Greater Bay Area plan. Note: Upon Red Travel Alert, this payable up to 50% of the irrecoverable deposits or charges paid in advance.
Greater Bay Area	HKD5,000
Asia Basic	HKD25,000
Asia Standard	HKD50,000
Worldwide Basic	HKD25,000
Worldwide Standard	HKD50,000

Trip Cancellation or Loss of Deposite and Trip Curtailment	10B. Trip Curtailment Reimburses unused irrecoverable prepaid transport and accommodation costs of trip OR additional accommodation and travel costs back to Hong Kong SAR due to necessary and unavoidable curtailment of a trip due to: (a) death, serious bodily injury or serious illness of the insured person, a travelling companion, insured person’s family members or close business associates; (b) unexpected outbreak of riot or civil commotion, strike, terrorism, natural disasters, adverse weather conditions or hijack occurring at the planned destination arising out of circumstances beyond the control of the insured person; (c) serious damage to insured person’s principal residence from fire, flood or natural disaster; (d) issuance of Black Alert or Red Alert for the destination during the trip. Note: Upon Red Travel Alert, this is payable up to 50% of the unused irrecoverable prepaid costs or additional travel-related costs.
Greater Bay Area	Not Covered
Asia Basic	HKD25,000
Asia Standard	HKD50,000
Worldwide Basic	HKD25,000
Worldwide Standard	HKD50,000

Section 11 – Missed Event
Missed Event	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
Reimburses for unused and irrecoverable prepaid tickets costs included a trip that is arranged by travel agent or purchased by you due to: (a) death, serious bodily injury or serious illness of the insured person, a travelling companion, insured person’s family members or close business associates; (b) unexpected outbreak of riot or civil commotion, strike, terrorism, natural disasters, adverse weather conditions or hijack occurring at the planned destination arising out of circumstances beyond the control of the insured person; (c) issuance of Black or Red Travel Alert (except for the reason of a pandemic) for the planned destination before the trip (this benefit is not applicable for Greater Bay Area plan); (d) issuance of Black or Red Travel Alert for the planned destination during the trip (this benefit is not applicable for Greater Bay Area plan); (e) at least 6 hours of travel delay due to strike or industrial action, hijack, adverse weather conditions, natural disasters, airport closure, mechanical and/or electrical breakdown, structural defect of the aircraft, sea vessel, train or common carrier Note: Upon Red Travel Alert, payable up to 50% of the irrecoverable prepaid ticket cost.	HKD1,000	Not Covered	HKD10,000	Not Covered	HKD10,000

Section 11 – Missed Event
Missed Event	Reimburses for unused and irrecoverable prepaid tickets costs included a trip that is arranged by travel agent or purchased by you due to: (a) death, serious bodily injury or serious illness of the insured person, a travelling companion, insured person’s family members or close business associates; (b) unexpected outbreak of riot or civil commotion, strike, terrorism, natural disasters, adverse weather conditions or hijack occurring at the planned destination arising out of circumstances beyond the control of the insured person; (c) issuance of Black or Red Travel Alert (except for the reason of a pandemic) for the planned destination before the trip (this benefit is not applicable for Greater Bay Area plan); (d) issuance of Black or Red Travel Alert for the planned destination during the trip (this benefit is not applicable for Greater Bay Area plan); (e) at least 6 hours of travel delay due to strike or industrial action, hijack, adverse weather conditions, natural disasters, airport closure, mechanical and/or electrical breakdown, structural defect of the aircraft, sea vessel, train or common carrier Note: Upon Red Travel Alert, payable up to 50% of the irrecoverable prepaid ticket cost.
Greater Bay Area	HKD1,000
Asia Basic	Not Covered
Asia Standard	HKD10,000
Worldwide Basic	Not Covered
Worldwide Standard	HKD10,000

Section 12 – Rental Vehicle Excess
Rental Vehicle Excess	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
Section Limit Pays for motor insurance policy excess or deductible for vehicle rented during a trip.	Not Covered	Not Covered	HKD6,000	Not Covered	HKD6,000
Additional Benefit Emergency assistance service – provides 24-hour support for services covered under the policy.	Covered	Covered	Covered	Covered	Covered

Section 12 – Rental Vehicle Excess
Rental Vehicle Excess	Section Limit Pays for motor insurance policy excess or deductible for vehicle rented during a trip.
Greater Bay Area	Not Covered
Asia Basic	Not Covered
Asia Standard	HKD6,000
Worldwide Basic	Not Covered
Worldwide Standard	HKD6,000

Rental Vehicle Excess	Additional Benefit Emergency assistance service – provides 24-hour support for services covered under the policy.
Greater Bay Area	Covered
Asia Basic	Covered
Asia Standard	Covered
Worldwide Basic	Covered
Worldwide Standard	Covered

Section 13 - China Medical Card
China Medical Card	Greater Bay Area	Asia Basic	Asia Standard	Worldwide Basic	Worldwide Standard
Provides hospital admission deposit guarantee to the designated hospital for admission as an in-patient due to accidental bodily injury or sickness whilst travelling in the mainland China.	Covered (Free of charge)	Not Covered	Not Covered	Optional Cover for MultiTrip Only	Optional Cover for MultiTrip Only

Section 13 - China Medical Card
China Medical Card	Provides hospital admission deposit guarantee to the designated hospital for admission as an in-patient due to accidental bodily injury or sickness whilst travelling in the mainland China.
Greater Bay Area	Covered (Free of charge)
Asia Basic	Not Covered
Asia Standard	Not Covered
Worldwide Basic	Optional Cover for MultiTrip Only
Worldwide Standard	Optional Cover for MultiTrip Only

1. No benefit is payable for hospitalisation relating to pre-existing condition.

2.Virtual Medical Consultation is provided by MyDoc Health Limited which is an independent third party service provider and is not an agent of HSBC/AXA. HSBC/AXA shall make no representation, warranty or undertaking as to the availability of such Virtual Medical Consultation and shall not be liable to the insured person or any other person in any respect of any loss, damage, expense, suit, action or legal proceeding suffered or incurred by any of them, whether directly or indirectly, arising from or in connection with the services provided or advice given by MyDoc Health Limited or its agents, or the availability of such service. Virtual Medical Consultation is subject to local regulatory requirements of doctors to provide the service from time to time. HSBC/AXA reserves the right to change the provider of Virtual Medical Consultation or suspend Virtual Medical Consultation from time to time without prior notice.

Key policy exclusions

Riot, civil commotion, war, invasion, civil war and related perils
Suicide, self-inflicted injury, illegal acts, insanity, drugs-taking, alcoholism, venereal disease, AIDs
Any pre-existing conditions, including congenital conditions
Childbirth, pregnancy, miscarriage
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 (e.g. involve the use of mechanical and/or electrical equipment or handling of explosive or hazardous substances, etc.)
Property more specifically insured
Claims where AXA General Insurance Hong Kong Limited isn't notified in writing within 31 days after end of the trip

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

The coverage shown above is applicable to TravelSurance policies applied on or after 23 June 2024. For coverage of policies applied before 23 June 2024, please call our insurance service hotline (852) 2867 8678.

General Insurance products are applicable to HSBC Account holders and HSBC credit card holders only.

The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.

The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.

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End Notes