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Travel Insurance


TravelThere are plenty of potential risks and unexpected events when travelling abroad. No matter you travel for pleasure or business, the comprehensive Wisdom Travel Insurance can definitely ensure your peace of mind and protect you from many unforeseen and costly circumstances such as emergency illness, loss of personal belongings, trip interruption and so on.

 

 

SPECIAL FEATURES

  • Excess Free
  • Outbound Travel Alert Cover
  • Rental Vehicle Excess Cover
  • Emergency Dental Cover
  • New-for-Old Cover for Baggage & Personal Effects
  • Free 24-Hour Worldwide Assistance Service
  • Adventure, Winter and Water Sports Cover
  • Terrorism Extension for Personal Accident*
  • China Medpass Benefits (Free with Annual Policy)
  • Enhanced Personal Accident Long-Scale Cover (Optional Cover for Single Journey)

 

* Terrorism involving the use or release or the threat of any nuclear weapon or device or chemical or biological agent is, however, excluded

 

COVERAGE (Depending on the Plan)

Personal Accident

Provides cover for Death or Permanent Total Disablement due to accident, including Burns Cover

 

Medical Expenses

Covers medical and hospital expenses necessarily incurred as a result of accidental injury and emergency sickness whilst overseas

 

Free 24-Hour Worldwide Assistance Services

24-hour hotline for emergency assistance and pre-journey information such as weather, passport, visa requirements, vaccinations requirements, etc.

 

Private Nurse

Pays the cost of hiring a private nurse if hospitalized due to accidental injury or sickness and at the request of the attending doctor

 

Hospital Confinement or Quarantine Allowance

Offers cash benefit if hospitalized while overseas as a result of accidental injury or sickness or detained due to compulsory quarantine

 

Travelling expenses for seeking medical treatment

Pays the reasonable travelling expenses incurred for seeking medical treatment in a hospital overseas if the Insured Person suffers from injury or sickness during the journey

 

Compassionate Death Cash

Offers cash benefit in the event of death of the Insured Person due to sudden sickness contracted during the journey

 

Personal Legal Liability

Provides indemnity to the Insured for legal liability to a third party in respect of bodily injury or property damage while abroad

 

Deposits & Cancellation Charges

Pays for the loss of travel expenses paid but not recoverable upon journey cancellation arising from

  • sudden death or serious injury or serious sickness of the Insured or the Insured’s relatives, or death of the Insured’s business partner in Hong Kong;
  • the Insured being infected with Specified Diseases or being put under an order of involuntary quarantine for suspected infection of the Specified Diseases;
  • witness summons or jury service;
  • issuance of Outbound Travel Alert against the scheduled place of visit - Black Alert (100% of loss) or Red Alert (50% of loss)

 

Curtailment Expenses

Pays for the loss of travel expenses paid but not recoverable upon the Insured having to cut short the journey following:-

  • serious injury or serious sickness of the Insured or the Insured’s relatives, or death of the Insured’s business partner in Hong Kong;
  • the Insured being infected with Specified Diseases or being put under an order of involuntary quarantine for suspected infection of the Specified Diseases whilst overseas;
  • sudden occurrence of natural disaster at the scheduled place of visit;
  • issuance of Outbound Travel Alert against the scheduled place of visit - Black Alert (100% of loss) or Red Alert (50% of loss)

 

Baggage & Personal Effects

Covers the accidental loss of or damage to accompanied baggage and personal items including mobile phone and purchases made during the journey

 

Personal Money

Covers the loss of or theft of or damage to money during the journey, including loss arising from unauthorized use of lost credit card

 

Travel Documents

Pays the expenses for replacing passport or travel documents lost, stolen or damaged during the journey, including transportation and accommodation fee incurred therefrom

 

Baggage Delay

Reimburses the emergency purchases of essential toiletries and clothing if the baggage is delayed for more than 8 consecutive hours at the destination

 

Travel Delay

Pays up to HK$300 allowance for every 8 consecutive hours of departure delay in the event of bad weather, natural disaster or mechanical breakdown of the aircraft and sea vessel, and extra accommodation and travelling expenses arising therefrom

 

Aircraft Hijack

Pays up to HK$1,000 allowance for every 24 consecutive hours of trip interruption as a result of aircraft hijack

 

Credit Card Protection

Covers unsettled balance on purchases made during the journey in the event of accidental death outside Hong Kong

 

Rental Vehicle Excess

Reimburses the excess that the Insured Person is liable to pay for the loss of or damage to the rental vehicle

 

Home Contents Protection

Pays for the loss of or damage to home contents due to burglary whilst the home is uninhabited during the journey

 

Missed Event

Reimburses the cost of the overseas sporting, musical or entertainment event ticket paid in advance if unable to attend due to circumstances covered under “Deposits & Cancellation Charges” or “Curtailment Expenses” above

 

Involuntary Journey Extension

Reimburse the expenses caused by involuntary journey extension due to strike, riot, civil commotion, terrorism, compulsory quarantine, adverse weather conditions or natural disaster

 

AGE LIMIT

Adult :

Aged 18 or above

(Maximum coverage will be 50% of the limits insured for Insured Person aged 71 or above under Section 1 – Personal Accident)

Child :

Aged 17 or below

(Maximum coverage will be 50% of the limits insured)

  

 Applicable to Single Journey Policy

  • Applicable to all ages
  • Those aged 16 and 17 can be covered individually
  • Other child(ren) must be insured with at least one adult under the same policy

 

 Applicable to Annual Policy

  • Aged 70 or below (renewable till 75 years of age)
  • Child(ren) must apply together with at least one adult under the same policy

 

IMPORTANT NOTES

  1. This insurance is applicable only to the resident of Hong Kong for their outbound travel overseas, including travelling to Mainland China and Macau.
  2. Maximum number of days per journey
    • 90 days (applicable to Annual Policy, number of journeys during the year not restricted)
    • 180 days (applicable to Single Journey Policy)
  3. One Way Travel – Cover valid for a maximum of 5 days after arrival at final destination.
  4. Except for annual cover, no cancellation or refund of premium is allowed once the Policy is issued.  All Policies will not be renewed automatically.
  5. Insured Person may be required to submit written medical proof at time of application for underwriting purpose upon the request of the Insurer.
  6. All contents, terms and conditions of this insurance are written in accordance with the relevant laws of the HKSAR.
  7. The 24-hour worldwide assistance hotline service is rendered by contractors of the Insurer. The Insurer shall not be held responsible for any advice or performance on the part of the contractors and shall not bear any costs of the pay service subscribed by the Insured Person.

 

HOW TO APPLY

To apply or learn more, please contact your insurance consultant.

 

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The above product information is for reference only. Please refer to the insurance policy for detailed terms and conditions