| 1. |
What is the longest period of insurance
under this plan? |
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The period of insurance for Annual Cover is
one year. Under Annual Cover, the maximum cover
period for each journey is up to 60 days, while
there is no limit on the number of journeys during
the covered year. The longest period of insurance
for a Single Trip cover is six months. |
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| 2. |
Is there any age limit for the insured? |
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The age of the insured and spouse must be between
18 and below 75, while the age of the children
must be under 18. |
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| 3. |
What should I do if emergency assistance is
required during the journey? |
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If you need any emergency assistance during
your trip, please call our Hong Kong 24-Hour Emergency
Telephone Service Hotline on (852) 2861 9285. |
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| 4. |
What should I do if I have to extend my journey? |
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Prior to the expiry of the cover period, you
can entrust a relative in Hong Kong to apply to
"Hang Seng General Insurance" for the extension at any Hang
Seng Bank branches. Only when the application
has been approved and the premium for the extended
period has been paid will the policy be effective. |
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| 5. |
If I am already covered by a life insurance
plan, do I need to enroll in any travel insurance? |
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Yes, travel insurance is designed for people
going abroad as a visitor or on business trip.
The coverage scope is quite different from a life
insurance plan. |
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| 6. |
If I emigrate to an overseas country, are the
insured items covered in the plan still valid? |
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No, application for the Travelsure Protection
Plan due to emigration will not be accepted, or
the policy will become invalid when you emigrate
to an overseas country. |
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| 7. |
If my travel agency closes down, will I be compensated? |
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No, you should submit your claim to the Travel
Industry Compensation Fund for compensation. |
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| 8. |
Will I be compensated if the travel agency cancels
the journey due to insufficient customers or adverse
weather conditions? |
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No, the cancellation of the journey as a result
of administration arrangements of the airline
company or travel agency are not covered by the
policy. |
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| 9. |
The World Health Organization has issued travel
warning against a certain country or region, but
I still travel there, will this in any way affect
the coverage of protection? |
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The travel warning issued by the World Health
Organization against a certain country or region
shall have no bearing upon the protection provided
by this plan; but it is suggested that the insured
should closely observe the development of the
relevant situation as the orders promulgated subsequently
by the government may affect the insured's journey
and the protection under this plan. |
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| 10. |
I am going to take my Filipino maid with me
for an overseas trip, will this plan provide protection
for employee's accidental injury suffered during
the trip? |
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No. The Travelsure Protection Plan does not
cover injury or death caused by any manual labour
work. Therefore, you should approach your other
insurer who issued the employee insurance for
this Filipino maid for extension of the protection
to overseas work. |
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| 1. |
Is there any limit on the number of journeys to Mainland China (excluding Hong Kong SAR) and Macau SAR under the plan? |
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There is no limit on the number of journeys within the period of insurance under the plan. However,
please note that the coverage for each journey is up to 60 days only. |
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| 2. |
What should I do with the China Medical Card? |
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You may check with our 24-hour emergency service for the information about Designated Hospitals at your destination before each journey. |
| 2. |
In case of emergency, you may present the following documents to the admission staff upon arrival to the Designated Hospital: |
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China Medical Card; |
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Identity/Travel document with your photo attached thereon, namely ID, Re-entry Permit or other relevant travel documents. |
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You will be admitted, and the hospital will notify our 24-hour emergency centre. |
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Upon identity verification, our emergency centre shall provide guarantee of the hospital admittance deposit. |
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When the diagnosis is yet to be confirmed to be covered under the Policy, you or your representative may be required to sign a letter of undertaking. |
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| 3. |
In which areas the China Medical Card could cover? |
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From Guangdong, Beijing and Shanghai to the remote areas like Tibet and Inner Mongolia, the China Medical Card covers over 200 medical facilities. |
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| 4. |
Can I enjoy the cover when admitted to non-designated hospitals? |
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Yes. The China Medical Card is a facility to enable customers to enjoy more efficient hospital admission at the Designated Hospitals.
As long as the condition is covered under the policy,
you could still enjoy the insurance protection when admitted to non-designated hospitals.
However, please note that the guarantee of hospital admittance deposit in the case for admission to non-designated hospitals is up to HKD20,000 only.
Moreover, you have to obtain the original copy of hospital/ medical receipt with the diagnosis certified by the attending doctor and settle the medical expenses first,
and file a claim upon returning to Hong Kong. |
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| 5. |
For out-patient cases, do I need to show my China Medical Card? |
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The China Medical Card is applicable to hospital admission only.
If you only visit out-patient clinics, you should follow the general claims procedures:
pay the consultation fee, get the receipt and medical certificate, and file a claim upon returning to Hong Kong.
The treatment must be provided by the legally registered medical practitioner. |
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| 6. |
What is the double indemnity cover? |
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Under the Plan A of the Annual China Cover,
if the customer sustains bodily injury caused by an assault during a robbery
while traveling in Mainland China (excluding Hong Kong SAR)
or Macau SAR leading to death or permanent disability,
the original HKD200,000 Personal Accident benefit will be doubled to HKD400,000. |
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| 7. |
Must I bring along my China Medical Card when visiting the Designated Hospitals? What should I do if I forget to bring the Card? |
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For hospitalisation case, you need to present the China Medical Card so as to be eligible for
the fast-track admission service.
Otherwise you will have to pay first and file claim or contact our 24-hour emergency service for assistance. |
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| 8. |
Can I have my China Medical Card replaced in case of loss? Is there any card replacement cost? |
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Yes, but you shall report to the Company within 48 hours and
submit the card replacement request in writing together with a card replacement fee of HKD100 to Hang Seng General Insurance. . |
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