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Special notice about Hang Seng Bank’s bancassurance partnership
The insurance partnership between Hang Seng Bank Limited and QBE General Insurance (Hong Kong) Limited (“QBE”) will end on 9 July 2023 and a new partnership with another insurance company will come into effect on 10 July 2023. Stay tuned for the latest updates on Hang Seng Bank Website.
Any policies issued by QBE expiring on or after 9 July 2023 will not be renewed. You can review your insurance coverage before the expiration of policy to make sure you have a timely replacement. View arrangement details
Designated Travelsure Protection Plan safeguards your trip with COVID-19 Extension and medical coverage of up to HKD1M.
Our Travelsure Protection Plan (“Travel Insurance”) provides Single Trip Cover, Annual Global Cover and Annual China Cover to meet your different travel insurance needs. It also offers comprehensive protection against trip cancellation or delay, participating in winter and water sports and more.
This Travel Insurance is underwritten by QBE General Insurance (Hong Kong) Limited.
This Travel Insurance covers the medical expenses and emergency assistance costs arising from sickness or accident during the trip include:
This Travel Insurance covers
(Applicable to Single Trip / Annual Global Plan only)
This Travel Insurance 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 to Single Trip / Annual Global Plan only)
Travel delay
The plan offers
or
Re-routing
(Compensation for only one of the above and applicable to Single Trip / Annual Global Plan only)
This Travel Insurance offers reimbursement of all the paid and irrecoverable expense for tours, air tickets or hotel accommodation arising from trip cancellation due to specific events.
This Travel Insurance 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 to Single Trip / Annual Global Plan only)
Note(s): The above is intended only as a general summary. Please refer to the English version of policy for exact terms, conditions and exclusions.
Mainland China and Macau
Asia[1] and worldwide
HKD49
HKD112
600,000
1,000,000
Actual cost
Actual cost
600,000
1,000,000
750
3,000
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
-
1,000
2,000
10,000
5,000
30,000
500,000
1,500,000
24 hours worldwide emergency assistance services
24 hours worldwide emergency assistance services
Worldwide
Mainland China
Plan B
Mainland China
Plan A
HKD4.4
HKD2.8
HKD1.7
1,000,000
600,000
200,000
Actual Cost
Actual Cost
Actual Cost
1,000,000
600,000
400,000
3,000
750
-
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
1,000
-
-
10,000
2,000
-
30,000
5,000
-
1,500,000
500,000
500,000
-
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
Remark(s): Above information are for reference only, please refers to the Plan Cover, Terms & Conditions for details.
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.
Before the trip
She applied for Travelsure Protection Plan – Single Trip Cover
On arrival at her travel destination, Korea
When waiting for the flight back to Hong Kong at the airport
Her mobile phone and tablet computer were stolen
When the insurance is successfully claimed
Her following losses were substantially offset:
Total compensated amount: HKD81,000
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.
Before the trip
She applied for Travelsure Protection Plan - Annual Global Cover.
During the take off for the trip
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
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 6 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:
| 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 Organisation 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 maid for extension of the protection to overseas work.
In the event of necessary and unavoidable trip cancellation of booked holidays due to unexpected outbreak of natural disaster (means earthquake, typhoon, landslide, lightning, volcanic eruption, tsunami, hurricane or sandstorm) at the planned destination arising within one 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 / region of planned destination at least one 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. View details.
There is no limit on the number of journeys to mainland China (excluding Hong Kong SAR) and Macau SAR within the period of insurance under the plan. However, please note that the coverage for each journey is up to 60 days only.
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.
You can find all the forms and documents here for our insurance products.