The following Travelsure Protection Plan is underwritten by QBE General Insurance (Hong Kong) Limited.
Our Travelsure Protection Plan Annual Global Cover provides multiple benefits for you to travel overseas with peace of mind. From 1 June 2023 to 30 June 2023 (“Promotion Period”), successful applicants for the Annual Global Cover will even enjoy a premium discount!
【Special arrangements for COVID-19】
In light of the current COVID-19 situation, special arrangements will be provided by QBE General Insurance (Hong Kong) Limited to customers who have applied for the Annual Global Cover. For enquiries, please contact our customer service hotline at 2828 3138. For travel claims, please submit online via: QBE HK website > eClaims. Please click here for the relevant FAQs.
Promotion Offers
You can enjoy the following offer upon successful application for the Travelsure Protection Plan Annual Global Cover (“the Plan”) during the Promotion Period:
Up to 30% Premium Discount Pay the premiums with a Hang Seng Credit Card to earn 
Rebate or 
Points1
Rebate or Points1Plan Features
Medical Expenses Coverage
For medical expenses arising from sickness during the Journey, with a maximum claim of HKD1 million2
Outbound Travel Alert Coverage
Protection against cancellation of the Journey due to the issuance of a Red or Black Alert or an unexpected outbreak of Natural Disaster in the planned destination, with a maximum claim of HKD30,0003
Natural Disaster Coverage
Protection against cancellation of the Journey due to an unexpected outbreak of Natural Disaster in the planned destination, with a maximum claim of HKD300,0004
Rental Vehicle Excess Coverage
The excess which is legally liable due to theft of the rental vehicle or damage to such vehicle during the Journey, with a maximum claim of HKD5,0005
Loss of Mobile Phone Coverage
Loss of mobile phone during the Journey, with a maximum claim of HKD5,0006 per item
Winter and Water Sports Coverage
Covered sports include skiing, snowboarding, tobogganing, banana boat trips, water motorcycling, rafting, canoeing, boating or kayaking, etc.7
Extension Benefits
COVID-19 Extension
Medical coverage is extended to the Insured Person when infected with COVID-19 if such Insured Person has been vaccinated with at least one shot of a COVID-19 vaccine that is approved by the HKSAR government8
Staycation Extension
A maximum claim of HKD10,000 for the irrecoverable loss of accommodation expenses paid in advance by the Insured Person due to cancellation of the accomodation9
Reimbursement for Loss of Redeemed Transportation and Accommodation Rewards
A maximum claim of HKD1,000 for reimbursement of costs incurred due to cancellation or curtailment of the Journey, including transportation and accommodation redeemed with rewards for the scheduled itinerary10
Apply Now!
Online Application:Logon to Personal e-Banking > Insurance > Travel > Annual Trip Cover
Enquiry Hotline:2998 9888
Notes:
Section 9 – Curtailment
The maximum limit payable by QBE GIHK shall not exceed HKD5,500,000 in respect of all insured persons under the policy during the Period of Insurance.
Please refer to the Terms and Conditions of the Travelsure Protection Plan for details.“Staycation” means a leisure holiday undertaken on booking hotel accommodation licensed in Hong Kong. Coverage shall commence when Insured Person leaves from his/her place of residence or workplace or 2 hours before the check-in time, whichever is the later, to go directly to his/her booked accommodation and cease on return directly to his/her place of residence or workplace or 2 hours after the check-out time, whichever occurs first.
Section 2 – Personal Accident
Section 8 – Loss of Deposit or Cancellation
QBE GIHK will reimburse the Insured Person up to the limit of HKD10,000, for the irrecoverable loss of accommodation expenses paid in advance by the Insured Person or for which the Insured Person is legally liable and not recoverable from any other source upon cancellation of Staycation arising due to the below reasons:
QBE GIHK will reimburse the Insured Person up to HKD1,000 cancellation fee of the Rewards redeemed for transportation and accommodation for the planned Journey, arising from the relevant Trip Cancellation or Trip Curtailment. Alternatively, the Company shall reimburse the loss of Reward points at HKD1 for each ten (10) Reward points and up to HKD1,000 stated in the Table of Benefits. “Rewards” means any airline ticket, hotel stay or car rental arranged through a frequent flyer program upon redemption of the required number of mileage credits.
- yuu Points only applicable to enJoy Cards. Terms and Conditions apply. To borrow or not to borrow? Borrow only if you can repay!
- The maximum claim for Medical and Other Related Expenses is HKD1,000,000 under the Travelsure Protection Plan Annual Global Cover.
- If the Journey has to be cancelled due to the issuance of a Red Alert or Black Alert in the country of the planned destination before the departure of the Journey, all the paid and irrecoverable expenses for tours, air tickets or hotel accommodation will be reimbursed. The maximum claim is HKD30,000. The benefit payable for the Loss of Deposit or Cancellation under Red Alert is up to 50% of the relevant loss under this Section; whereas the benefit payable under Black Alert is up to 100% of the relevant loss under this Section.
- If the Journey has to be cancelled due to the occurrence of any unexpected Natural Disaster in the country of the planned destination within one week before the departure of the Journey, all the paid and irrecoverable expenses for tours, air tickets or hotel accommodation will be reimbursed. The maximum claim is HKD300,000. (Please refer to the Terms and Conditions for details of the natural disaster extension).
- This benefit is only applicable to the Travelsure Protection Plan Annual Global Cover. 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), the Insured Person will be reimbursed by QBE General Insurance (Hong Kong) Limited (“QBE GIHK”) according to the Policy. The claim for the insurance excess paid for the above described loss or damage to such rental vehicle, is up to maximum HKD5,000. This benefit shall be payable only once per Journey. The Insured Person must take the relevant comprehensive motor vehicle insurance provided by the rental organisation against loss or damage to the rental vehicle during the rental period. This extension does not cover any motor cycle and cycle. For details of the exclusions applicable to this extension, please refer to the Terms and Conditions.
- The maximum amount recoverable for each mobile telecommunication device is HKD5,000 under the Travelsure Protection Plan Annual Global Cover.
- Covered sports activities include: Underwater activities - undersea strolling, underwater diving and/or scuba-diving; Water Sports – swimming, snorkeling, wind surfing, water surfing, water skiing, parasailing, banana boat trip, water motorcycling, rafting, canoeing, boating or kayaking, sailing, cruising, fishing on boat or yacht, and sliding in a licensed water park; Winter Sports – skiing, snowboarding, tobogganing, sledding, snow motorcycling and ice skating.
- The coverage of below benefit items are extended to the Insured Person infected with COVID-19 if the Insured Person has been vaccinated with at least one shot of COVID-19 vaccine that is approved by HKSAR government. QBE GIHK will pay the benefit payable as specified in the Table of Benefits:
Section 1 – Medical And Other Expenses
(a) Medical Expenses:- Item 1
- Medical, hospital, treatment expenses up to a maximum limit per Insured Person as specified in the Policy.
- Reasonable additional accommodation and/or transportation expenses of Insured Person (exclude any additional accommodation and travelling expenses of Insured Person’s relative or friend required on medical advice to travel to, or remain behind with the Insured Person) incurred after the interruption as a result of seeking medical treatment up to the following sublimit:
Scope of Regions Single Trip Annual Global Area 1 Area 2 & 3 Worldwide Sublimit HKD5,000 HKD10,000 HKD10,000
- Item 1
- Item 4 - Hospital Cash Benefit to any Insured Person who is admitted to hospital outside Hong Kong for more than 24 hours
- Item 5 - Hospital Cash Benefit to any Insured Person who, on return to Hong Kong, is admitted to hospital in Hong Kong for more than 24 hours as a result of an incurred accidental bodily Injury or Sickness which occurred or was contracted during the Period of Insurance
- Item 6
- Extend to cover the necessary medical treatment expenses related to COVID-19 up to a limit of HK$75,000 in total for each Insured Person where an Insured Person contracted in the course of a Journey if no medical treatment outside Hong Kong has occurred, subject to a Registered Medical Practitioner diagnosing COVID-19 within seven (7) calendar days after an Insured Person’s returning to Hong Kong.
- Extend to cover the reasonable additional transportation expenses up to a limit of HK$500 in total for each Insured Person receiving the Isolation Order issued by the government and/or The Centre for Health Protection to travel to the assigned community isolation facility.
Section 9 – Curtailment
The maximum limit payable by QBE GIHK shall not exceed HKD5,500,000 in respect of all insured persons under the policy during the Period of Insurance.
Please refer to the Terms and Conditions of the Travelsure Protection Plan for details.
Section 2 – Personal Accident
Section 8 – Loss of Deposit or Cancellation
QBE GIHK will reimburse the Insured Person up to the limit of HKD10,000, for the irrecoverable loss of accommodation expenses paid in advance by the Insured Person or for which the Insured Person is legally liable and not recoverable from any other source upon cancellation of Staycation arising due to the below reasons:
- sudden death, Serious Injury or Sickness of the Insured Person and/or Staycation companion; or
- the Insured Person and/or Staycation companion contract COVID-19 within one (1) week before the commencement date of Staycation provided that he/she submitted COVID-19 PCR-based nucleic acid tests report with positive result
For the Terms and Conditions of the promotion offers, please click here.
For the Terms and Conditions of the Travelsure Protection Plan Annual Global Cover, please click here.
*Applicable to premiums paid by Hang Seng Credit Cards or Visa Credit Cards/ Mastercard® Credit Cards not issued by Hang Seng Bank
To borrow or not to borrow? Borrow only if you can repay!
In the event of any discrepancy or inconsistency between the English version and the Chinese version of the above information, the English version shall apply and prevail.
The above is intended as a general summary of information for reference only. Please refer to the English version of the policy for the plan coverage, exact terms and conditions and exclusions.
The above general insurance plan ("Plan") is underwritten by QBE General Insurance (Hong Kong) Limited ("QBE GIHK") which is authorised and regulated in Hong Kong by the Insurance Authority. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agent authorised by QBE GIHK for the distribution ofthis Plan. Premiums will be payable to QBE GIHK upon application for this Plan. QBE GIHK will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan.
In respect of an eligible dispute arising between the Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the product should be resolved directly between QBE GIHK and the customer.