People Protection

Business Travelsure Protection Plan

Successfully enrol online to enjoy 35% premium discount and instant protection

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 up to HKD5,000 and follow-up medical coverage up to HKD75,000
  • Personal accident insurance coverage up to HKD1,000,000
  • Protection against loss of or damage to baggage and personal belongings, including mobile phone and telecommunication devices, during the journey
  • Extended protection upon issuance “Red Alert” or “Black Alert” under the "Outbound Travel Alert (OTA) System" by the Government of the Hong Kong Special Administrative Region; and unexpected outbreak of Natural Disaster# in the country of planned destination
  • 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)

Plan Premium 

Plan 

Original Price

Online Price

Number of Insured Person(s)

1

2 or more

1

2 or more

Annual Premium per Insured Person

HKD2,345

HKD2,295

HKD1,524
(35% off)*

HKD1,492
(35% off)*

Other Fees:  
1. The Policyholder may change the list of Insured Persons for an unlimited number of times during the insurance period, subject to a handling fee of HKD100 per name changed for each time.
2. The Policyholder may add new Insured Person(s) during the period of insurance. The premium of each extra Insured Person during the insurance period will be calculated on a daily pro-rata basis and subject to a minimum payment of HKD100.

Note: 

  • The amount of premium(s) above may slightly differ from the actual premium(s) payable by less than HKD1.00 due to rounding differences.
  • Levy collected by the Insurance Authority ("IA") has been imposed on relevant policy (except for certain exempted insurance classes) at the applicable rate and would be remitted in accordance with the prescribed arrangements. For further information, please visit www.qbegihk.com or www.ia.org.hk.
  • The amount of discount entitled is determined by the information available at the policy effective date or policy renewal date.
  • This insurance is only valid for travel originating from Hong Kong.
  • Cover period of up to 60 days for each trip (business or leisure).
  • Unlimited number of trips within a year.
  • The above offers cannot be used in conjunction with other offers of same type. 

 

Terms and Conditions for "Hang Seng Business Travel Insurance" (Click to Read):
  • QBE General Insurance (Hong Kong) Limited reserves the right to revise the terms and conditions of the offers or cancel the offers without prior notices to customer.
  • Customer who holds or cancels or has held or cancelled any policy under the Business Travelsure Protection Plan in the past six months will not be entitled to the offers above.
  • In case of any disputes, the decision of QBE General Insurance (Hong Kong) Limited and Hang Seng Bank Limited shall be final.
  • The above is a general summary of information and is for reference only. Please refer to the English version of the policy for the exact terms and conditions and exclusions.

 

Insured items and coverage Maximum claim (HKD)

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 HKD20,000
  • For hospitalisation outside Hong Kong, or hospitalisation upon return to Hong Kong (more than 24 hours), hospital cash benefit of HKD500 per day, up to a maximum limit of HKD5,000 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 HKD75,000 (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 HKD150 per consultation per day and up to a maximum coverage of HKD2,000
  • 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
  • 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.
  • 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 HKD50,000
  • In the event of death due to sickness, the next of kin of the deceased will receive an additional cash relief benefit of HKD20,000
  • Accidental Death benefit for dependent unmarried children aged under 18 in 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 HKD50,000. If the Policyholder is additionally covered by one or more policy(ies) underwritten by QBE General Insurance (Hong Kong) Ltd (“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

  • 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)

  • 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 HKD5,000 

 

(Losses must be reported to the police within 24 hours)

  • 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.
  • If the scheduled aircraft, sea vessel, or train is delayed for at least 6 hours from departure or arrival, the compensation is HKD250 for the first 6 hours of delay, the compensation is HKD200 for every 8 hours thereafter, maximum claim is HKD2,000,  

                                                                                            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 HKD1,000 per insured person,   

                                                                                            OR  

  • Any additional travel costs including alternative public transportation costs and accommodation expenses necessarily incurred as a direct consequence of the issuance of the Black Alert for the country of planned destination if the Insured Person has to re-route to get to alternative destination or return to Hong Kong after the Insured Person has commenced the Journey.

 

(Compensation for only one of the above)

  • If the trip has to be cancelled due to the following situations, all the paid and irrecoverable expenses for tours, air tickets or hotel accommodation will be reimbursed: 
  • Death, serious illness or injury of the Insured Person, family members or business partners. 
  • Unexpected outbreak of Natural Disaster# at the planned destination arising within one week before the departure date of the Journey. 
  • The issuance of Red Alert or Black Alert^ for the country of planned destination before the departure of the Journey. 

Benefits payable for Loss of Deposit or Cancellation under Red Alert is up to 50% of the relevant loss under this Section; whereas benefits payable under Black Alert is up to 100% of the relevant loss under this Section. 

  • If the trip has to be curtailed after its commencement due to the following situation, the irrecoverable prepaid and unused portion of the Journey will be reimbursed proportionally to the Insured Person:
  • Death, serious illness or injury of the Insured Person, family members or business partners
  • Unexpected outbreak of Natural Disaster# at the planned destination that prohibits the continuation of the Journey
  • The issuance of Red Alert or Black Alert^ for the country of planned destination during the Journey.

 

Benefits payable for Curtailment under Red Alert is up to 50% of the relevant loss under this Section; whereas benefits payable under Black Alert is up to 100% of the relevant loss under this Section.

  • Covers the legal liability for third party's death or property damage due to negligence
  • 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 Company will reimburse the Insured Person the insurance excess paid for the above described loss or damage to such rental vehicle, up to maximum HKD5,000. This benefit shall be payable only once per Journey
  • Medical Expenses incurred as a direct result of Natural Disaster during the Journey, the Company will reimburse an additional Sum Insured under “Medical and Other Expenses” section up to HKD150,000. 
  • If an Insured Person suffers an Injury due to a Natural Disaster during the Journey, which directly and independently of all other causes results in claim payable under benefit 1 to benefit 5 of “Personal Accident” section, the Company will pay an additional Sum Insured up to HKD300,000.

The above general insurance plan (“Plan”) is underwritten by QBE General Insurance (Hong Kong) Limited 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 General Insurance (Hong Kong) Limited for the distribution of this Plan. Premiums will be payable to QBE General Insurance (Hong Kong) Limited upon application of this Plan. QBE General Insurance (Hong Kong) Limited would provide Hang Seng Bank commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.

In respect of an eligible dispute arising between the Hang Seng Bank Limited and the customer out of the selling process or processing of the related transaction, Hang Seng Bank Limited 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 General Insurance (Hong Kong) Limited and the customer.

# Natural Disaster means landslide, lightning, typhoon, earthquake, volcanic eruption, tsunami, hurricane or sandstorm.


^ “Outbound Travel Alert (OTA)” Coverage

•"Travel Alert" shall mean the alert issued by the Government of the Hong Kong SAR under the Outbound Travel Alert (OTA) System. There are 3 levels of Travel Alert: 'Amber Alert', 'Red Alert' and 'Black Alert'. Definition of the 'Travel Alert' may be changed by the Company from time to time based on changes to the Outbound Travel Alert (OTA) System made by the Government of Hong Kong SAR.

•In the event of no Travel Alert has been issued to the planned destination on the issue date of the Policy or the date which the Booked Holidays is billed (whichever is later), Cancellation of the Booked Holidays is subject to the Red Alert or Black Alert issued to the planned destination at least one (1) day after the day on which the Policy is issued or the date which the Booked Holidays is billed (whichever is later); in the event of Travel Alert has been issued to the planned destination on the date which the Policy is issued or the date which the Booked Holidays is billed (whichever is later), Cancellation of the Booked Holidays is subject to a higher level of Travel Alert being Red or Black Alert and the higher level of Travel Alert must be issued to the planned destination at least one (1) day after the Policy is issued or the date which the Booked Holidays is billed (whichever is later).

•In the event of Travel Alert has been issued to the planned destination on the date which the Policy is issued or the date which the Booked Holidays is billed (whichever is later), Curtailment of the Booked Holidays is subject to a higher level of Travel Alert inclusive of Red or Black Alert.

•This Plan is available to person who is aged under 75 (at the departure date). 

•The Business Travelsure Protection Plan is only available for subscription for residents of the HKSAR. 

•War and kindred risks and Government acts • Act of nuclear, chemical or biological terrorism • Nuclear hazards • Engaging in sports or games in a professional capacity • Unreasonable lack of care and attention • Racing (other than on foot), motor sports, mountaineering, pot-holing, rugby, ski-jumping, use of bob-sleighs, hang-gliding, gliding, parachuting, aviation (other than as a fare-paying passenger in a duly certified multi-engined passenger-carrying aircraft flown in the course of licensed operations for the transportation of passengers by air by a properly-licensed crew), hot air ballooning (except for as a fare-paying passenger in the hot air balloon flown in the course of licensed operations by properly-licensed crews).• Self-inflicted injury or illness • Alcoholism or drug abuse • Any Sickness, disease, infirmity, physical defect or condition which existed prior to the Journey • Sexually transmissible disease, AIDS and AIDS related complications • Pregnancy, miscarriage or childbirth and all complications thereof (not applicable to the coverage in relation to Baggage and Personal Belonging, Delayed Baggage and Loss of Money and Documents in the policy).

Enrolment in General Insurance products via hangseng.com is only applicable to Hang Seng Commercial Cardholders (with the exception of Hang Seng Renminbi Diamond Commercial Card). For other premium payment methods, you may contact our 24-hour Business Partner Direct on 2198 8000 for enquiry.

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.

 

Contact Us

QBE General Insurance (Hong Kong) Limited Customer Service Hotline 2828 3138
Call QBE General Insurance (Hong Kong) Limited Customer Service Hotline 2828 3138
Hang Seng MPF Sales Direct 2997 2838
Call Hang Seng MPF Sales Direct 2997 2838
24-hour Business Partner Direct Mainland Toll-free 4001 20 8288
Call Business Partner Direct

Hong Kong: 2198 8000

Mainland Toll-free#: 4001-20-8288