|
|
Various coverage such as 24-Hour Worldwide Emergency Services,
Medical Expenses, Personal Accident, etc., which are recommended by the
Travel Industry Council of Hong Kong |
| |
| |
No deductible for all benefits |
|
|
Follow-up medical expenses after the return to Hong Kong |
|
|
Leisure and Non-Professional Sport Protection |
| |
|
Covering sky and winter sports, trekking, scuba diving, rafting,
bungee jumping and various water sports without paying additional premium. |
| |
Act of Terrorism |
| |
|
Extension of coverage to Personal Accident, Medical Expenses, Worldwide
Emergency Aid, Travel Delay, etc. |
|
Emergency Cash Assistance in China |
| |
|
When traveling to China, you are eligible to receive Emergency Cash Assistance at any BEA branch in China, in the event that you suffer the loss of personal money in a robbery, or travel documents in a robbery or an accident. The maximum cash advance is HK$500 or its equivalent amount in RMB. |
|
Automatic Extension |
| |
|
Automatic extension of insurance coverage for a maximum of 10
days, due to unavoidable delay of the scheduled itinerary without paying additional
premium. |
|
|
No limitation on the number of unmarried children aged below 18 (applicable
to “Individual + Children” and “Family” packages
) |
Schedule of Benefits |
Maximum Limit (HK$) |
Super
Diamond |
Super
Gold |
China
|
|
Worldwide and China |
China & Macau
Only |
| 1) |
Medical Expenses |
The
cost of qualified medical treatment, surgery and hospitalisation arising
from sickness or accidental injury. (Hospital room & board benefit
is limited to HK$3,000 per day) |
1,000,000 |
300,000 |
250,000 |
|
Follow-up Expenses |
|
Medical expenses reasonably incurred within 90 days after return to Hong
Kong. |
|
100,000 |
80,000 |
50,000 |
| |
|
For bone-setting & acupuncture
treatment arising from accidental injury. (Maximum limit per visit per
day shall be HK$200) |
|
5,000 |
3,000 |
2,000 |
| 2) |
Overseas Hospital
Cash Allowance |
HK$500 per each complete day of the Insured Person’s hospital
confinement. |
10,000 |
5,000 |
Not Applicable |
| 3) |
24-Hour Worldwide
Emergency Aid |
|
|
|
|
Emergency Evacuation1 |
Evacuation to the nearest facility capable
of providing adequate medical care. |
Unlimited |
Unlimited |
Unlimited |
|
Repatriation1 |
Repatriation to the Place of Origin with the physician’s
recommendation. |
Unlimited |
Unlimited |
Unlimited |
|
Hospital Deposits Guarantee1 |
Guarantee to pay the required hospital admittance fees. |
40,000 |
40,000 |
40,000 |
|
Additional Costs of Travel and Accommodation |
For returning the Insured Person to the Place
of Origin and the additional accommodation costs for ONE insured travelling
companion due to serious medical condition of the Insured Person. |
40,000 |
15,000 |
15,000 |
|
Family Member Visit |
For up to 2 immediate family members who incur
reasonable additional accommodation and travelling expenses to take care
of the Insured Person who is hospitalised for more than 3 days or passed
away abroad. |
40,000 |
15,000 |
15,000 |
|
Return of Insured Children |
Reasonable additional accommodation and travelling
expenses for the return to the Place of Origin of the Insured Person's dependent children (aged below 18). |
40,000 |
15,000 |
15,000 |
|
Repatriation of Mortal Remains1 |
Repatriation of the mortal remains to the Place
of Origin. |
Unlimited |
Unlimited |
Unlimited |
|
Burial and Funeral |
Cost of necessary formalities, burial and
funeral expenses. |
20,000 |
10,000 |
10,000 |
|
Referral Services |
|
Such
as legal assistance, interpreter, replacement of lost travel document
or air-ticket, etc. |
| 4) |
Personal Accident2 |
Accidental
Death / Permanent Total Disablement (including Act of Terrorism)
|
600,000 |
300,000 |
300,000 |
| |
Travelling on board a Public Conveyance3 |
Personal Accident benefits will be doubled if the Insured Person is
travelling as a fare paying passenger on board a public conveyance or
a coach being arranged by travel agency. |
1,200,000 |
600,000 |
600,000 |
| 5) |
Major Burns |
For Third Degree Burns
with burnt areas equal to or greater than 5% of total body surface area. |
200,000 |
100,000 |
100,000 |
| 6) |
Cancellation Charges |
Irrecoverable prepaid tour cost and airfares in the event of death,
serious sickness or injury of the Insured Person, immediate family members,
or an insured travelling companion or close business partner, fire or
flooding damage to the Insured Person’ s home in Hong Kong within
10 days before the departure date, etc. |
30,000 |
5,000 |
3,000 |
| 7) |
Curtailment of Trip |
Irrecoverable unused portion of prepaid travel fare or accommodation
deposit and the additional public transportation expenses incurred for returning
to the Place of Origin as a direct result of death, serious injury/
sickness of the Insured Person, immediate family members or an insured
travelling companion or close business partner; hi-jack; natural
disaster at the planned destination which prevent the Insured Person
from continuing with the Journey. |
30,000 |
5,000 |
3,000 |
| 8) |
Travel
Delay |
The delay
of scheduled public conveyance over 6 consecutive hours due to adverse
weather conditions, natural disaster, act of terrorism, industrial
action, hijack, technical or other mechanical breakdown of public conveyance,
the Insured Person can claim either |
|
|
|
- Additional Public Conveyance Expenses OR
|
10,000 |
2,500 |
Not Applicable |
- Cash Allowance - HK$250 for each full 6-hour
delay.
|
1,000 |
500 |
250 |
| 9) |
Baggage
Delay |
Cash allowance for at least 6-hour deprivation of
baggage from the time of arrival at destination abroad due to delay or
misdirection in the delivery. |
1,000 |
500 |
250 |
| 10) |
Baggage |
Loss, physical breakage or damage directly resulting from theft, robbery,
burglary or accident of the Insured Person's property. |
20,000 |
5,000 |
3,000 |
| (Maximum limit for any one article or pair or set
of articles) |
3,000 |
2,000 |
1,000 |
| 11) |
Loss
of Travel Documents |
Cost 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 Money4 |
Loss of banknotes, cash and traveller cheques arising from theft, robbery
or burglary. |
3,000 |
2,000 |
1,000 |
| 13) |
Personal
Liability |
Indemnity against legal liability to a third party
in respect of accidental bodily injury or property damage. |
1,000,000 |
500,000 |
250,000 |
| 14) |
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 |
| 15) |
Loss
of Home contents |
Loss of the household contents of the Insured Person’ s
unoccupied home in Hong Kong arising from burglary during the Journey. |
25,000 |
5,000 |
3,000 |
| (Maximum limit for any one article or pair or set of articles) |
5,000 |
2,000 |
1,000 |
- |
Insurable ages are 6 weeks to 85 years old. Individually
insured children under the age of 18 must obtain the consent from the parent
or guardian. |
| Super Diamond and Super Gold |
-
|
The journey shall depart from Hong Kong, or depart from abroad and end in or pass through Hong Kong; |
-
|
Otherwise, the travel arrangement must be made and paid in Hong Kong. |
| |
| China Plan |
-
|
The journey shall depart from Hong Kong; or |
-
|
The journey shall depart from Macau, and the travel arrangement must be made and paid in Hong Kong. |
| |
| During the policy effective period, the complete journey is under coverage. |
1 |
No cancellation and premium refund are allowed once the
policy is issued. |
2 |
An Insured Person can only be covered under one Insurance
Certificate / Policy for the same insured Journey (except the free insurance
provided by the travel agent). If the Insured Person is covered under more
than one Certificate / Policy underwritten by Blue Cross for the same
Journey, the liability of Blue Cross in respect of any one Insured Person
for the same Journey is limited to the maximum benefits payable under one
Insurance Certificate. |
3 |
This policy is valid for the purpose of leisure travel
or business travel (limited to administrative and non-manual works only). |
4 |
If you must designate a beneficiary, please fill in the
beneficiary designation form. For enquires, please contact
Blue Cross Travel Insurance Hotline on (852)3608 2932 during office hours
or download the form at www.bluecross.com.hk. |
1 |
War (whether declared or not), invasion, act of foreign enemies,
civil war, revolution and civil unrest.
|
2 |
Performing duties as a member of armed forces or law
enforcing agencies. |
3 |
Any willful, malicious and unlawful or deliberate act. |
4 |
Nuclear fission, nuclear fusion or radioactive contamination. |
5 |
Any biological, chemical and / or nuclear Terrorist Act. |
6 |
Any pre-existing conditions, suicide,
self-inflicted injury, childbirth, miscarriage, dental treatment (except
as necessitated by accidental injuries to sound natural teeth), insanity, alcoholism or drug addiction, venereal
disease, AIDS or AIDS related complex. |
7 |
Any professional sports or where an insured person would
or could earn income or remuneration from engaging in such sport or game.
Racing of any kinds and competition. |
8 |
Losses not reported within 24 hours to the authorities (such as airlines,
travel agent, police, etc..) and failure to provide the report certified
by the relevant authorities. |
9 |
Personal liabilities arising from use or operation of vehicles, aircraft, watercraft
or weapons. |
10 |
Flying as a pilot or member of the crew of any aircraft. |
- |
Notice of claim must be given to Blue Cross within 30 days
of the expiry of his / her policy. All claims shall be made together with
satisfactory proof including reports from hospital, physician, police,
airlines or other responsible authorities. Claim form is available online
at www.bluecross.com.hk or upon request. |
| |
Can I extend the insurance period after the journey has commenced? |
| |
You can extend the insurance period subject to the following: |
| |
- Apply for extension before the insurance expires, together with extra premium.
- Fill in the application form and send it to Blue Cross for underwriting and issue of certificate.
- Maximum number of days under cover, from the start of insurance period till the end of extended period, shall not exceed the limit of the plan selected.
|
| |
Will I be under cover if I reach the age limit after application? |
| |
No benefit will be provided once you have reached the maximum age limit.
|
|
| |
Can my child aged below 18 buy travel insurance alone? |
| |
The Insured Person under age 18 can buy travel insurance alone provided that the name of applicant should be his/her parent, guardian or an appointed third party.
|
|
| |
To claim follow-up medical expenses, must I consult a local doctor during the journey abroad? |
| |
To be eligible for follow-up medical expenses after return to Hong Kong, you must have sought medical treatment during your overseas journey for the same sickness or accident.
|
|
| |
If I cannot join the travel tour because my child is ill and admitted to a hospital, can I cancel the travel insurance and ask for refund? |
| |
The Insurance Certificate cannot be cancelled and no refund will be made after it is issued. However, under such a circumstance, you can claim the benefit of "Cancellation Charge" according to its terms and conditions.
|
|
| |
Can travel insurance be taken out after the journey has commenced? |
| |
Travel insurance must be arranged and bought before the journey commences.
|
|
| |
Can I claim the same benefit from 2 different travel insurers? |
| |
Except the benefits of "Personal Accident", "Hospital Cash Allowance and cash allowance of Travel Delay" and "Baggage Delay", the loss fully covered by another travel insurance policy will not be paid; if the loss is not fully recovered, the excessive amount can be claimed from Blue Cross up to the benefit limit.
|
|
| |
Will the loss resulted from terrorist act be under cover? |
| |
Such loss is protected under the sections of Personal Accident, Medical Expenses, Worldwide Emergency Aid and Travel Delay etc., except the terrorist act by means of biological, chemical and/or nuclear attack.
|
|
| |
If I encounter terrorist attack when travelling on a public transport vehicle, can I claim Double Benefits under the section of Personal Accident? |
| |
The benefits of Personal Accident are payable under this circumstance but not including Double Benefits.
|
|