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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 and follow-up medical coverage of up to HKD75,000
Personal accident insurance coverage of 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
Cover various popular travel activities, such as hot-air ballooning, helicopter flights, skiing, snowboarding, riding snowmobiles or jet skis, banana boat trips, kayaking, water skiing, parasailing, snorkeling or scuba-diving, and etc. (not applicable to outdoor and water sports of a professional and racing nature)
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 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
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 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 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 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
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 HKD1,500 (Area 1) and HKD5,000^ (Areas 2 & 3 and Annual Global Cover)
^ The maximum amount recoverable for each mobile telecommunication device is HKD1,500 (Area 1) and HKD3,000 (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 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 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 HKD2,000 (Area 1) and HKD10,000 (Area 2 & 3),
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)
2,000 10,000 10,000
Trip Cancellation 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.
5,000 30,000 30,000
Trip Curtailment 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.
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), 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
N/A 5,000 5,000
Natural Disaster# Extension
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.
300,000 300,000 300,000
  • * Area
    1.
    Mainland China & Macau SAR
    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
    # 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.
    The insured age of Travelsure Protection Plan Single Trip Cover has no upper limit and Annual Global Cover is available to person who is aged under 75 (at the policy start date).
    The Travelsure Protection Plan is only available for subscription for residents of the HKSAR.
    The above is intended only as a general summary. Please refer to the English version of policy for exact Terms, Conditions and Exclusions.

Major Exclusions


• 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).


The above is intended only as a general summary. Please refer to the English version of policy for exact terms, conditions and exclusions.
Important Notes

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.

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