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Travel Insurance

Single Trip Cover / Annual Global Cover Plan Coverage

  Comprehensive coverage that gives you peace of mind when you travel
Up to HKD1,000,000 medical and other related expenses coverage
Hospital cash benefit coverage of up to HKD5,000
Follow-up medical coverage of up to HKD75,000
Personal accident insurance coverage of up to HKD1,000,000
Baggage and personal belongings damage coverage
Extended to cover the losses and damages arising from the acts of terrorism (except for using nuclear weapon or device or chemical or biological agent)
Insured Items and Coverage
Maximum Claim (HKD)
Single Trip Cover
Annual Global Cover
Area 1*
Areas 2 and 3*
Worldwide
Medical and Other Related Expenses
The medical expenses (including outpatient treatments; and the cost of dental treatment as a result of accident) and emergency assistance costs arising from sickness or accident during the trip include:
   
- Overseas hospital admittance deposit guarantee up to HK$20,000
   
- For hospitalisation outside Hong Kong, or hospitalisation upon return to Hong Kong (more than 24 hours), hospital cash benefit of HK$500 per day, up to a maximum limit of HK$5,000 will be paid
   
- Expenses of follow-up treatment due to sickness or insured accidental bodily injury during the trip within 3 months after returning to Hong Kong for up to HK$75,000 (Proof of first consultation with doctor received overseas must be presented). Coverage amount can be used for chinese medicine practitioners and bone-setting fees in Hong Kong for up to HK$150 per consultation per day and up to a maximum coverage of HK$2,000
   
- Additional reasonable accommodation and travel expenses (confined to economy class) for travelling dependents returning to Hong Kong in advance, or visiting close relatives, or incurred as a result of death or sudden illness of close relatives
   
600,000
1,000,000
1,000,000
Medical Evacuation and Repatriation
Emergency medical evacuation and repatriation expenses back to Hong Kong under doctor's recommendation
   
Cost for burial abroad or transport of remains back to Hong Kong
Actual Cost
Actual Cost
Actual Cost
Personal Accident
Accidental death, loss of limb(s), eyesight, hearing, speech or permanent total disablement
   
In the event of accidental death, the next of kin of the deceased will receive an additional cash relief benefit of HK$50,000
   
In the event of death due to sickness, the next of kin of the deceased will receive an additional cash relief benefit of HK$20,000
   
Accidental Death benefit for dependent unmarried children aged under 18 is HKD100,000
   
Pays the outstanding balance of the covered credit card† in event of accidental death or permanent total disablement of the Insured Person who is also the Policyholder up to a maximum of HK$50,000. If the Policyholder is additionally covered by one or more policy(ies) underwritten by the Company for the covered credit card in the same Accident, this Policy will only cover the portion (if any) of the outstanding balance of the covered credit card after deducting the benefit payable from those policy(ies)
   
  † covered credit card refers to the credit card of the Policyholder issued by Hang Seng Bank Limited (“Hang Seng Bank”)which was debited for the premium payment of his/ her Travelsure Protection Plan policy
600,000
1,000,000
1,000,000
Loss of Personal Cash and Documents
Loss of cash, travellers cheques or etc. taken or not taken with the Insured Person
   
Cost of replacing travel documents, identity card, credit card or driving license
   
Loss of credit card leading to unauthorised use of credit card
   
  (Losses must be reported to the police within 24 hours)
750
3,000
3,000
Baggage and Personal Belongings
For baggage and personal items lost or damaged during the trip
   
New purchase price will be compensated if the items were purchased within 2 years
   
Maximum amount recoverable for each item is HK$1,500 (Area 1) and HK$5,000^ (Areas 2 & 3 and Annual Global Cover)
  ^ The maximum amount recoverable for each mobile telecommunication device is HK$1,500 (Area 1) and HK$3,000 (Area 2 & 3)
   
  (Losses must be reported to the police within 24 hours)
3,000
15,000
15,000
Delayed Baggage
Emergency purchase of essential items upon temporary deprivation of baggage for at least 10 hours from the time of arrival at destination abroad for the Insured Person due to hijacking or airline mishandling. The compensation will be on a reimbursement basis, subject to no claim is paid under Baggage and Personal Belongings.
-
1,000
1,000
Travel Delay or Re-routing
If the scheduled aircraft, sea vessel, or train is delayed for at least 6 hours from departure or arrival, the compensation is HK$250 for the first 6 hours of delay, the compensation is HK$200 for every 8 hours thereafter, maximum claim is HK$2,000,

or
   
Reimburse for the irrecoverable loss of pre-paid or reasonable and necessary additional expenses incurred in hotel accommodation in the event of travel delay outside Hong Kong for more than 24 consecutive hours, up to maximum amount of HK$1,000 per insured person,

or
   
Any loss of travelling expenses, or additional charges incurred by the Insured Person including accommodation expenses due to re-routing caused by the delay of scheduled aircraft, sea vessel or train for at least 8 hours, the maximum amount recoverable is HK$2,000 (Area 1) and HK$10,000 (Area 2 & 3)
   
  (Compensation for only one of the above)
2,000
10,000
10,000
Trip Cancellation
If the trip has to be cancelled due to death, serious illness or injury of the Insured Person, family members or business partners, all the paid and irrecoverable expenses for tours, air tickets or hotel accommodation will be reimbursed
5,000
30,000
30,000
Trip Curtailment
If the trip has to be curtailed after its commencement due to death, serious illness or injury of the Insured Person, family members or business partners, the irrecoverable prepaid and unused portion of the Journey will be reimbursed proportionally to the Insured Person
5,000
30,000
30,000
Personal Liability
Covers the legal liability for third party's death or property damage due to negligence
500,000
1,500,000
1,500,000
Vehicle Rental Excess
If the Insured Person rents or hires a rental vehicle during the Journey which is involved in a collision whilst under his/ her control or the rental vehicle is stolen or damaged and the rental agreement includes an insurance excess (or deductible or similar condition), QBE General Insurance (Hong Kong) Ltd (“Company”) will reimburse the Insured Person the insurance excess paid for the above described loss or damage to such rental vehicle, up to maximum HK$5,000. This benefit shall be payable only once per Journey
N/A
5,000
5,000
In respect to the "Outbound Travel Alert (OTA) System" issued by the Government of the Hong Kong Special Administrative Region, the following extended protection will be offered when Black Travel Alert is issued for the country of planned destination:
-
Travel delay or re-routing coverage of up to HKD10,000
-
Loss of deposit or trip cancellation coverage of up to HKD30,000
-
Trip Curtailment coverage of up to HKD30,000
  * Area
1.
Mainland China & Macau SAR (for the period of insurance of 5 days or less)
2.
Including Mainland China, Bangladesh, Brunei, Cambodia, Guam, India, Indonesia, Japan, Korea, Laos, Macau SAR, Malaysia, Mongolia, Myanmar, Nepal, Pakistan, Philippines, Saipan, Singapore, Taiwan, Thailand, Tinian and Vietnam
3.
Worldwide
  Note:
This Plan is available to person who is aged under 75 (at the departure date). However, the maximum amount for the benefits of Medical and Other Related Expenses and Personal Accident will be limited to 50% if the Insured Person is aged 70 or above (at the date of incident).
The above is intended only as a general summary. Please refer to the English version of policy for exact terms, conditions and exclusions.
The Travelsure Protection Plan is only available for subscription for residents of the HKSAR.
The Travelsure Protection Plan is underwritten by QBE General Insurance (Hong Kong) Ltd which is authorised and regulated by the Commissioner of Insurance of HKSAR. Hang Seng Bank Limited is an insurance agent authorised by QBE General Insurance (Hong Kong) Limited.
Annual China Cover Plan Coverage

  Hassle-free travel to Mainland China and Macau with total peace of mind
Up to HKD600,000 medical and other related expenses coverage*
Deposit-free admission to 200 Designated Hospitals in Mainland China
Hospital cash benefit# coverage of up to HKD5,000
Follow-up medical coverage of up to HKD75,000*
Personal accident insurance coverage of up to HKD600,000*
Baggage and personal belongings damage coverage
Extended to cover the losses and damages arising from the acts of terrorism (except for using nuclear weapon or device or chemical or biological agent)
Insured Items and Coverage
Maximum Claim (HK$)
Plan A
Plan B
Covered areas
Mainland China and Macau SAR
Medical and Other Related Expenses
The medical expenses (including outpatient treatments; and the cost of dental treatment as a result of accident) and emergency assistance costs arising from sickness or accident during the trip include:
   
- Hospital admittance deposit guarantee up to HK$20,000 in Mainland China (excluding Hong Kong) and Macau; and up to HK$200,000 (Plan A) and HK$600,000 (Plan B) for admission to designated hospitals under the medical network in Mainland China
   
- (For Plan B only) For hospitalisation upon return to Hong Kong (for more than 24 hours), hospital cash benefit of HK$500 per day, up to a maximum limit of HK$5,000 will be paid.
   
- Expenses of follow-up treatment due to sickness or insured accidental bodily injury within 3 months after returning to Hong Kong for up to HK$20,000 (Plan A) and HK$75,000 (Plan B) (Proof of hospitalisation in Mainland China or Macau for over 24 hours and that of first consultation with doctor received overseas must be presented). Coverage amount can be used for chinese medicine practitioner and bone-setting fees in Hong Kong for up to HK$150 per consultation per day and up to a maximum coverage of HK$2,000. (Plan A: follow-up treatment in Hong Kong does not include bone-setting fees)
   
- Additional reasonable accommodation and travel expenses (confined to economy class) for travelling dependents returning to Hong Kong in advance, or visiting close relatives, or incurred as a result of death or sudden illness of close relatives
200,000
600,000
Medical Evacuation and Repatriation
Emergency medical evacuation and repatriation expenses back to Hong Kong under doctor's recommendation
   
Cost for burial abroad or transport of remains back to Hong Kong
Actual Cost
Actual Cost
     
Personal Accident
Accidental death, loss of limb(s), eyesight, hearing, speech or permanent total disablement (maximum claim for Plan A: HK$200,000)
   
^ (For Plan A only) For accidental death, loss of limb(s), eyesight, hearing, speech or permanent total disablement due to bodily injury caused by an assault during a robbery in Mainland China, the maximum claims will be doubled, up to HK$400,000
   
In the event of accidental death, the next of kin of the deceased will receive an additional cash relief benefit of HK$50,000
   
In the event of death due to sickness, the next of kin of the deceased will receive an additional cash relief benefit of HK$20,000
   
Accidental death benefit for dependent and unmarried Children aged under 18 is HK$100,000
   
Pays the outstanding balance of the covered credit card† in event of accidental death or permanent total disablement of the Insured Person who is also the Policyholder up to a maximum of HK$50,000. If the Policyholder is additionally covered by one or more policy(ies) underwritten by the Company for the covered credit card in the same Accident, this Policy will only cover the portion (if any) of the outstanding balance of the covered credit card after deducting the benefit payable from those policy(ies)
  †covered credit card refers to the credit card of the Policyholder issued by Hang Seng Bank Limited (“Hang Seng Bank”) which was debited for the premium payment of his/ her Travelsure Protection Plan policy
400,000^
600,000
Baggage and Personal Belongings
For baggage and personal items lost or damaged during the trip
   
New purchase price will be compensated if the items were purchased within 2 years
   
Maximum amount recoverable for each item is HK$1,500

(Losses must be reported to the police within 24 hours)
3,000
3,000
Personal Liability
The legal liability arising during the journey from third party's death or property damage due to negligence.
500,000
500,000
Loss of Personal Cash and Documents
Loss of cash, travellers cheques or etc. taken or not taken with the Insured Person
   
Cost of replacing travel documents, identity card, credit card or driving license
   
Loss of credit card leading to unauthorised use of credit card

(Losses must be reported to the police within 24 hours)
-
750
Travel Delay or Re-routing
• If the scheduled aircraft, sea vessel, or train is delayed for at least 6 hours from the time specified in the itinerary, the compensation is HK$250 for the first 6 hours of delay, the compensation is HK$200 for every 8 hours thereafter, maximum claim is HK$2,000, or
   
Reimburse for the irrecoverable loss of pre-paid or reasonable and necessary additional expenses incurred in hotel accommodation in the event of travel delay outside Hong Kong for more than 24 consecutive hours, up to maximum amount of HK$1,000 per insured person, or
   
Any loss of travelling expenses, or additional charges incurred by the Insured Person including accommodation expenses due to re-routing caused by the delay of scheduled aircraft, sea vessel or train for at least 8 hours, the maximum amount recoverable is HK$2,000
  (Compensation for only one of the above)
-
2,000
Trip Cancellation
If the trip has to be cancelled due to death, serious illness or injury of the Insured Person, family members or business partners, all the paid and irrecoverable expenses for tours, air tickets or hotel accommodation will be reimbursed
-
5,000
Trip Curtailment
If the trip has to be curtailed after its commencement due to death, serious illness or injury of the Insured Person, family members or business partners, the irrecoverable prepaid and unused portion of the Journey will be reimbursed proportionally to the Insured Person
-
5,000
* The cover limit is referred to Plan B. Please refer to the Benefit Table above for the exact cover limit of Plan A
# Applicable to Plan B only.

  Note:
This Plan is available to person who is aged under 75 (at the departure date). However, the maximum amount for the benefits of Medical and Other Related Expenses and Personal Accident will be limited to 50% if the Insured Person is aged 70 or above (at the date of incident).
The above is intended only as a general summary. Please refer to the English version of the policy for exact terms, conditions and exclusions.
The Travelsure Protection Plan is only available for subscription by residents of the HKSAR.
The Travelsure Protection Plan is underwritten by QBE General Insurance (Hong Kong) Ltd which is authorised and regulated by the Commissioner of Insurance of HKSAR. Hang Seng Bank Limited is an insurance agent authorised by QBE General Insurance (Hong Kong) Limited.

Outbound Travel Alert (OTA) System

Enquiry for OTA currently in force

Contact Us
Call QBE General Insurance (Hong Kong) Limited Customer Service Hotline on 2828 3138
Make a Claim


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