Travelsure Protection Plan

Terms and Conditions apply. The above general insurance plan is underwritten by QBE General Insurance (Hong Kong) Limited

Travel insurance plan overview

This travel insurance plan is underwritten by QBE General Insurance (Hong Kong) Limited. 

We provide you with a wide range of comprehensive travel protection plans, including Single Trip Cover, Annual Global Cover and Annual China Cover to meet your different needs.

There is no upper limit for insured age and incurs no additional premium for Single Trip Cover. If you are a frequent traveler, you may enjoy protection for unlimited trips in a year by an one-time application for Annual Plan. Free coverage will be offered to all under-aged children if both parents apply for Annual Global or Annual China Cover. In addition, the China Medical Card under Annual China Plan covers over 200 medical facilities in China, allowing you to enjoy every journey.

Only 3 simple steps to apply online – Quote > Apply > Payment

Travel insurance key features

It covers the medical expenses and emergency assistance costs arising from sickness or accident during the trip include:

  1. overseas hospital admittance deposit guarantee up to HKD20,000;
  2. hospital cash benefit for hospitalisation for more than 24 hours (Not applicable to Plan A of Annual China Plan);
  3. expenses of follow-up treatment due to sickness or insured accidental bodily injury during the trip within 3 months after returning to Hong Kong;
  4. additional reasonable accommodation and travel expenses 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;
  5. accidental death, loss of limb(s), eyesight, hearing, speech or permanent total disablement; and
  6. cash relief benefit to next of kin of the deceased in the event of sickness or accidental death.

It covers

  1. loss of cash, travellers cheques or etc.;
  2. cost of replacing travel documents, identity card, credit card or driving license; and 
  3. loss of credit card leading to unauthorised use of credit card (Losses must be reported to the police within 24 hours).

(Applicable for Single Trip / Annual Global Plan ONLY)

It covers damaged baggage, lost baggage and personal items during the trip. 

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

The plan covers 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.

(Applicable for Single Trip / Annual Global Plan ONLY)

Travel Delay

The plan offers

  1.  compensation for delay of scheduled aircraft, sea vessel, or train; OR
  2. reimbursement 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;

OR

Re-routing

  1. loss of travelling expenses, or additional charges incurred by the Insured Person due to re-routing caused by the delay of scheduled aircraft, sea vessel or train for at least 8 hours, or
  2. additional travel costs and accommodation expenses necessarily incurred as a direct consequence of the issuance of the Black Alert for the country / territory 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 and applicable for Single Trip / Annual Global Plan ONLY)

It offers reimbursement of all the paid and irrecoverable expense for tours, air tickets or hotel accommodation arising from specific events.

It offers reimbursement for insurance excess paid due to loss or damage to a rental vehicle rented or hired by the Insured Person during the road trip Journey.

(Applicable for Single Trip / Annual Global Plan ONLY)

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

Travel insurance coverage overview

Mainland China and Macau

Asia^ and worldwide

3 days premium as low as

HKD49

HKD112

Maximum claim (HKD)
Medical and other related expenses

600,000

1,000,000

Medical evacuation and repatriation

Actual cost

Actual cost

Personal accident

600,000

1,000,000

Loss of personal cash and documents

750

3,000

Baggage and personal belongings

3,000
Maximum amount recoverable for each mobile telecommunication device is HKD1,500

Excess applicable: The first 20% of the adjusted loss for each and every mobile phone

15,000
Maximum amount recoverable for each mobile telecommunication device is HKD3,000

Excess applicable: The first 20% of the adjusted loss for each and every mobile phone

Delayed baggage

-

1,000

Travel delay or re-routing

2,000

10,000

Trip cancellation

5,000

30,000

Personal liability

500,000

1,500,000

Other assistance service

24 hours worldwide emergency assistance services

24 hours worldwide emergency assistance services

^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
* Above information are for reference only, please refers to the Plan Cover, Terms & Conditions for details.  

Worldwide

Mainland China
Plan B

Mainland China
Plan A

Daily premium as low as

HKD4.4

 HKD2.8

HKD1.7

Maximum claim (HKD)
Medical and other related expenses

1,000,000

600,000

200,000

Medical evacuation and repatriation

Actual Cost

Actual Cost

Actual Cost

Personal accident

1,000,000

600,000

400,000

Loss of personal cash and documents

3,000

750

-

Baggage and personal belongings

15,000
Maximum amount recoverable for each mobile telecommunication device is HKD3,000

Excess applicable: The first 20% of the adjusted loss for each and every mobile phone

3,000

3,000

Delayed baggage

1,000

-

-

Travel delay or re-routing

10,000

2,000

-

Trip cancellation

30,000

5,000

-

Personal liability

1,500,000

500,000

500,000

Other assistance service

-

Guarantee of hospital

admittance deposit for over 200 

selected hopsitals in Mainland China

Guarantee of hospital

admittance deposit for over 200 

selected hopsitals in Mainland China

24 hours worldwide emergency assistance services

24 hours worldwide emergency assistance services

24 hours worldwide emergency assistance services

^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
* Above information are for reference only, please refers to the Plan Cover, Terms & Conditions for details.  

Travelsure Protection Plan – Single Trip Cover

Ms. Leung slipped in the lift lobby of her block on the evening before departure. She went on with her trip in the belief that the injury was minor.

  1. Before the trip

    She applied for Travelsure Protection Plan – Single Trip Cover

  2. On arrival at her travel destination, Korea

    • She saw a doctor and found the injury was actually rather severe
    • She had to get back Hong Kong for immediate medical treatment
  3. When waiting for the flight back to Hong Kong at the airport

    Her mobile phone and tablet computer were stolen

  4. When the insurance is successfully claimed

    Her following losses were substantially offset:

    • medical expenses in Korea
    • non-refundable prepaid cost of booked holidays arising from the trip curtailment
    • extra travelling expenses for medical repatriation
    • follow up medical treatment in Hong Kong
    • the loss of her mobile phone and tablet computer

    Total compensated amount: HKD81,000

Travelsure Protection Plan – Annual Global Cover

Ms. Chau was to take off for a trip, but had to cancel it due to the sudden death of an immediate family member from an acute disease.

  1. Before the trip

    She applied for Travelsure Protection Plan - Annual Global Cover.

  2. During the take off for the trip

    • She suffered for the loss of the loved one.
    • Her travel plan was disrupted and cancelled.
  3. When the insurance is claimed

    She was fully compensated for the non-refundable prepaid cost of the air tickets and hotel accommodation.

    Total compensated amount: HKD21,000

The payment was directly credited through autopay into her designated bank account

Eligibility

  • This Policy is only valid for travel originating from Hong Kong.
  • The insured age of Travelsure Protection Plan - Single Trip Cover has no upper limit and Annual Trip Cover is available to person who is aged under 75 (at the policy start date).

FAQs

(for Single Trip & Annual Global cover)

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.

Single trip cover: The age of the insured, spouse, friend or relative must be 18 or above (at the departure date), while the age of the children must be under 18.

 Annual global cover: The age of the insured, spouse or parents must be between 18 and 74 (at the policy start date), while the age of the children must be under 18.

Points to note when applying for children under 18 years of age:

  • Children under 18 years old must apply together with parent(s) when applying via Hang Seng Mobile Application, Hang Seng Personal e-Banking, or hangseng.com
  • Should a customer wish to individually apply for their child(ren) (i.e. Parent(s) not travelling together on the trip or child(ren) not applying together with parent(s)), parent(s) or custodian is required to apply by calling the application hotline 2998 9888.  Insured persons under the age of 18 will receive the same benefits

 

Age
Application Method
Requirements within Travel Protection Period Requirements
0 – 5 years old
Child cannot apply individually, must apply together with parent(s)
Child must be travelling together with parent(s) during the whole duration of trip.
6 – 9 years old
Child can apply individually, application to be signed by parent(s) or custodian
Child must be travelling with at least one adult relative during the whole duration of trip.
10 – 11 years old
Child must be travelling with at least one adult relative during the whole duration of trip.  In the case of Study Tours (Academic or sightseeing in nature), the Child can set off and return alone if the whole duration or the study tour is no more than 14 days.
12 – 17 years old
Child does not need to be accompanied by parent(s) or adult relative, the child can set off and return alone.

If you need any emergency assistance during your trip, please call our Hong Kong 24-Hour Emergency Telephone Service Hotline on (852) 2862 0183.

Prior to the expiry of the cover period, you can entrust a relative in Hong Kong to apply to QBE General Insurance (Hong Kong) Limited 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.

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.

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 / territory.

No, you should submit your claim to the Travel Industry Compensation Fund for compensation.

No, the cancellation of the journey as a result of administration arrangements of the airline company or travel agency are not covered by the travel insurance.

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.

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.

In the event of necessary and unavoidable cancellation of Booked Holidays due to unexpected outbreak of Natural Disaster at the planned destination arising within one (1) week before the departure date of the Journey, the travel insurance will pay the Insured Person the loss of irrecoverable tour and Booked Holidays paid in advance or contracted to be paid.

If Hong Kong SAR Government issues a "Travel Alert" for the country / territory of 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), Insured Person covered by the insurance can enjoy policy extensions, please click here for details.

FAQs

(for Annual China Plan) 

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.

  1. 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:
    • China Medical Card;
    • Identity/Travel document with your photo attached thereon, namely ID, Re-entry Permit or other relevant travel documents.
  3. You will be admitted, and the hospital will notify our 24-hour emergency centre.
  4. Upon identity verification, our emergency centre shall provide guarantee of the hospital admittance deposit.
  5. 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.

 

From Guangdong, Beijing and Shanghai to the remote areas like Tibet and Inner Mongolia, the China Medical Card covers over 200 medical facilities.

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.

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.

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.

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.

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 QBE General Insurance (Hong Kong) Limited.

Make a travel insurance claim

Claim procedures

Find details on how to submit your claim and more.

Download form

You can find all the forms and documents here for our insurance products.

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Footnote

Other point(s) to note

  1. 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.
  2. 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.

Remarks