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Travel Protection Insurance
Enjoy a carefree journey with your best travel companion!
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Travel Protection Insurance promises to protect you and your family against unexpected losses or expenses during your journey. Three distinct plans offer different levels of coverage, so you can conveniently choose the amount of protection you need based on your travel plans and the nature of your trip. Enjoy your travels - and complete peace of mind - with Travel Protection Insurance.
To give you greater peace of mind, we at BEA are pleased to offer extended coverage for "Cancellation Charges" and "Curtailment of Trip" in response to the Outbound Travel Alert System. What's more, in view of the rampant spread of influenza A H1N1 (human swine flu) and other infectious diseases around the world, an Infectious Disease Extension has been introduced.
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| Coverage |
Maximum Benefits (HK$) |
| Medical Coverage |
Worldwide
Plan1 |
Asia
Plan2 |
China
Plan3 |
| 1. |
Medical Expenses4 |
Expenses for qualified medical treatment, surgery, and hospitalisation arising from sickness or accidental injury.
(Hospital room & board benefit is limited to HK$3,000 per day) |
1,200,000 |
600,000 |
300,000 |
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Follow-up Medical
Expenses in Hong Kong |
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Medical expenses reasonably incurred within 90 days after returning to Hong Kong provided that medical treatment has first been sought overseas. |
120,000 |
60,000 |
30,000 |
| - |
Bone-setting and acupuncture treatment expenses arising from accidental injury. |
3,000 |
3,000 |
2,000 |
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(Maximum benefit up to HK$200 per visit per day) |
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| 2. |
Overseas Hospital Cash Allowance |
Daily hospital cash of HK$500 per day if the insured person is hospitalised during the journey. |
12,000 |
6,000 |
Not applicable |
| Worldwide Emergency Aid |
| 3. |
24-hour Worldwide Emergency Services |
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Evacuation of the insured person to the nearest medical facility capable of providing adequate medical care. |
Unlimited |
Unlimited |
Unlimited |
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Repatriation of the insured person to the place of origin at physician's recommendation. |
Unlimited |
Unlimited |
Unlimited |
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Hospital Deposits
Guarantee |
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Guaranteed payment of the required hospital admittance fees on behalf of the insured person. |
40,000 |
40,000 |
40,000 |
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Additional Costs of
Travel and
Accommodation
(including Caring Visit) |
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- |
Travelling expenses of the insured person to return to the place of origin and the additional accommodation costs incurred by the insured person due to his/her serious medical condition. |
50,000 |
20,000 |
20,000 |
| - |
If the insured person is hospitalised for more than 3 days or has died abroad, additional accommodation and travelling expenses are payable for: |
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(i) |
up to 2 immediate family members to join the insured person or to handle any matters arising from the incident; OR |
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(ii) |
one immediate family member and one travel companion to join or accompany the insured person or to handle any matters arising from the incident. |
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Return of Insured
Children |
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Reasonable additional accommodation and travelling expenses to return the insured person's dependent children below the age of 18 to the place of origin. |
40,000 |
15,000 |
15,000 |
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Repatriation of Mortal Remains |
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Repatriation of mortal remains of the insured person to the place of origin. |
Unlimited |
Unlimited |
Unlimited |
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Indemnity provided to the legal estate of the insured person in the event of death of the insured person as a result of serious bodily injury or serious sickness. |
20,000 |
10,000 |
10,000 |
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Referral services such as legal assistance, interpreter, replacement of lost travel document or travel ticket, etc. |
Included |
Included |
Included |
| Accident Coverage |
| 4. |
Personal Accident5 |
Death or permanent disablement as a result of accident (including act of terrorism). |
1,200,000 |
600,000 |
300,000 |
| 5. |
Major Burns |
Third-degree burns with burnt areas equal to or greater than 5% of the insured person's head or 10% of the insured person's total body surface area. |
200,000 |
100,000 |
100,000 |
| Travel Interruption Coverage |
| 6. |
Cancellation Charges6 |
Irrecoverable prepaid tour costs and airfare in the event of: |
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death, serious bodily injury, or serious sickness of the insured person, immediate family members, close business partner, or travel companion; fire or flood damage to the insured person's home in Hong Kong within 10 days from the scheduled departure date. |
30,000 |
6,000 |
3,000 |
| 7. |
Curtailment of Trip |
Unused portion of the prepaid travel fare and accommodation deposit and the additional public conveyance expenses incurred for the insured person to return to the place of origin as a direct result of: |
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death, serious bodily injury, or serious sickness of the insured person, immediate family members, close business partner, or travel companion; hijack; natural disaster or unanticipated riot or other civil commotion at the planned destination that prevents the insured person from continuing the journey. |
30,000 |
6,000 |
3,000 |
| 8. |
Travel Delay |
In the event of delay of scheduled public conveyance over 6 consecutive hours due to adverse weather conditions, natural disaster, or unanticipated riot or other civil commotion, act of terrorism, industrial action, hijack, mechanical breakdown of public conveyance, or closure of airport, the insured person can claim either: |
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additional public conveyance expenses OR |
10,000 |
2,000 |
Not applicable |
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cash allowance of HK$250 for each and every completed 6 consecutive hours of delay |
1,000 |
500 |
250 |
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Special Allowance -
Airline Wind-up |
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Additional expenses for alternative travel ticket(s) purchased due to bankruptcy or wind-up of airlines. |
2,000 |
1,000 |
Not applicable |
| 9. |
Baggage Delay |
Indemnity for deprivation of baggage for at least 6 hours from the time of arrival at destination abroad due to delay or misdirection in delivery by a public conveyance. |
1,000 |
500 |
500 |
| Personal Property Coverage |
| 10. |
Baggage |
Loss, physical breakage or damage resulting from theft, robbery, burglary, accident, or mishandling by carriers of the insured person's baggage or property. |
20,000 |
5,000 |
3,000 |
| (Maximum limit per article/pair/set of articles) |
3,000 |
2,000 |
1,000 |
| 11. |
Loss of Travel
Documents |
Reasonable cost incurred of obtaining replacements of travel documents and tickets, additional transportation and accommodation expenses incurred to obtain such replacement arising from theft, robbery, burglary, or accidental loss. |
20,000 |
5,000 |
2,000 |
| (Maximum limit for travel expenses and accommodation per day) |
2,000 |
1,000 |
500 |
| 12. |
Personal Money7 |
Loss of banknotes, cash, or travellers cheques due to theft, robbery, or burglary. |
3,000 |
2,000 |
1,000 |
| 13. |
Loss of Home Contents |
Cost of replacing or repairing household contents and personal effects of the insured person's unoccupied home in Hong Kong due to burglary during the journey. |
30,000 |
6,000 |
3,000 |
| (Maximum limit per article/pair/set of articles) |
5,000 |
2,000 |
1,000 |
| Other Coverage |
| 14. |
Personal Liability |
Indemnity against insured person's legal liability to third parties in respect of accidental bodily injury or property damage due to negligence. |
2,000,000 |
1,000,000 |
250,000 |
| 15. |
Credit Card Protection |
Indemnity for any outstanding balance charged to the insured person's credit card(s) for any goods purchased in the event of accidental death of the insured person during the journey. |
30,000 |
20,000 |
Not applicable |
| 16. |
Golfer "Hole-in-One" |
One-off bar expenses payable in the event of the insured person achieving a "hole-in-one" at any recognised golf course. |
3,000 |
1,000 |
500 |
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| 1. | The "Worldwide Plan" covers any country and region other than the place of origin. |
| 2. | The "Asia Plan" only covers Brunei, Cambodia, Guam, Indonesia, Japan, Korea, Laos, Macau, Mainland China, Malaysia, Myanmar (Burma), Philippines, Saipan, Singapore, Taiwan, Thailand, Tinian, and Vietnam. |
| 3. | The "China Plan" covers Mainland China including Macau, but excluding Hong Kong. |
| 4. | The maximum limit payable under medical expenses is 30% of the maximum benefit limit applicable to the plan selected for an insured person aged above 70. |
| 5. | The maximum limit payable under personal accident is 30% of the maximum benefit limit applicable to the plan selected for an insured person aged below 18 or above 70. |
| 6. | The benefit payable will be based on 50% of the irrecoverable amount arising from the cancellation of a journey due to serious bodily injury or serious sickness suffered by the insured person, his/her immediate family members, close business partner, or travel companion not resulting in hospital confinement. |
| 7. | Personal money benefits are not applicable to insured persons aged below 10. |
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| Conditions for Coverage |
| The insured person must meet the following conditions for coverage in respect of the plan selected: |
| Worldwide Plan and Asia Plan |
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The journey departs from Hong Kong, or |
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The journey includes Hong Kong as one of the visiting cities (i.e. excluding transit via Hong Kong), or |
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The travel arrangements are made and paid for in Hong Kong. |
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| China Plan |
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The journey departs from Hong Kong or Macau, and |
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The travel arrangements are made and paid for in Hong Kong. |
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| If the insured person enrols in the policy online, the journey must depart from Hong Kong regardless of the plan selected. |
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The above information is for reference only. Please refer to the policy for the
exact terms and conditions and the full list of policy exclusions. For more
information or a copy of the policy terms and conditions,
please contact our Marketing Officer.
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The Bank of East Asia, Limited is an insurance agent authorised by BEA Life Limited ("BEA Life") and Blue Cross (Asia-Pacific) Insurance Limited ("Blue Cross"), members of the BEA Group. BEA Life Insurance Series and General Insurance Series are underwritten by BEA Life and Blue Cross respectively.
This is a redirect webpage hosted by Blue Cross (Asia-Pacific) Insurance Limited.
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