Except the following coverage, the elderly and children are entitled to the same benefits in “Travel Smart”.
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“Medical Expenses Benefit”: For an insured person aged above 70, the maximum amount of benefit payable under Medical Expenses Benefit shall be 50% of the limit applicable to the plan selected.
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“Personal Accident Benefit”: For an insured person aged below 18 or above 70, the maximum amount of benefit payable under Personal Accident Benefit shall be 50% of the limit applicable to the plan selected.
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“Personal Money Benefit”: Not applicable to insured person aged below 10.
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Yes, “Baggage Benefit” covers loss or physical breakage of, or damage to mobile phone, tablet computer and laptop computer resulting from theft, robbery, burglary, accident during the journey. The payable amount is subject to the maximum benefit limit per insured person per journey of the plan selected.
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Only one mobile phone for each insured person will be covered in the same journey.
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Only one tablet computer or one laptop computer for each insured person will be covered in the same journey.
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If the insured person would like to claim the loss of mobile phone, he/she is able to provide the original receipt for the purchase of the mobile phone showing its International Mobile Equipment Identity (IMEI), Serial Number and Model Number, the date of purchase and the price paid. For damage of the mobile phone, the relevant repair services should be provided by an official authorised service support centre.
No, the above situation will not be covered. “Baggage Delay Benefit” is only payable if the checked-in baggage is delayed for at least 6 hours after the insured person’s arrival at a destination overseas. Any loss which occurs after the insured person has returned to Hong Kong or reached his/her final destination will be excluded.
Yes, Travel Smart covers leisure and non-professional sports activities including skiing and other winter sports, diving to a depth not greater than 45 metres below sea level, parachuting with instructor/trainer, bungee jumping, trekking at an altitude limit not greater than 5,000 metres above sea level, and all water sports.
Yes, if the OTA is issued to the destination by HKSAR at least 24 hours after the certificate of insurance (for Single-trip Cover and Multi-trip Cover) or the Policy (for Annual Cover) is issued, and the travel arrangement has to cancel within 7 days before the scheduled date of departure of the journey, the benefit shall be payable according to the OTA Extension of the “Trip Cancellation Benefit”.
Even if you have selected Couple Package, it is not necessary for the couple to travel together for every trip. You will get covered no matter you travel abroad by yourself or you two travel to different destinations separately.
Travel Smart covers the additional accommodation costs incurred overseas due to travel delay of at least 6 consecutive hours caused by adverse weather.
"Trip Cancellation Benefit" covers the loss of the prepaid and unused portion of the travel ticket, accommodation, tour package or admission tickets to travel event (e.g. theme park, museum, concert, musical or sport-related ornamental performance) which is forfeited and irrecoverable if the following event occurs:
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within 90 days prior to the scheduled departure date of the Journey:
- death, serious bodily injury or serious sickness of the insured person, immediate family member, close business partner, foreign domestic helper or travel companion; or
- duty of the insured person to comply with a witness summons, jury service or compulsory quarantine (provided that the notice or order of such witness summons, jury service or compulsory quarantine is served on the insured person after (a) the issue date of the Certificate of Insurance (for Single-trip Cover), or (b) (i) the issue date of the policy or (ii) the date when any travel arrangement for the journey are confirmed by or for the benefit of the insured person, whichever is later (for Annual Cover); or
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within 7 days prior to the scheduled date of departure of the Journey:
- adverse weather condition, natural disaster, infectious disease, unanticipated outbreak of industrial action involving the arranged public conveyance, closure of airport, act of terrorist, riot or civil commotion at the planned destination of the journey; or
- severe damage to the insured person or travel companion's principal home in Hong Kong arising from fire, flood, burglary or natural disaster; or
- death of the insured person's pet which is covered by Blue Cross' designated pet insurance; or
- Security Bureau of The Government of the Hong Kong Special Administrative Region issued Outbound Travel Alert for the planned destination (payable according to Outbound Travel Alert Extension); or
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the insured child or the insured person (who is a parent or legal guardian and a travel companion of an insured child) needs to attend a school interview or public examination in person which has been rescheduled to a date falling within the scheduled travel period.
In the occurrence of the following incidents during the journey that directly lead to the insured person to abandon the journey inevitably and return to the place of origin (i.e. Hong Kong):
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death, serious bodily Injury or serious sickness of the insured person, immediate family member, foreign domestic helper, close business partner or travel companion; or
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hijack of public conveyance or any a mechanically propelled vehicles and vessels arranged by a travel agency; or
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adverse weather condition, natural disaster, infectious disease, unanticipated outbreak of industrial action involving the arranged public conveyance, closure of airport, act of terrorist, riot or civil commotion at the planned destination; or
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severe damage to the insured person or travel companion's principal home in Hong Kong arising from fire, flood, burglary or natural disaster; or
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death of the insured person's pet which is covered by Blue Cross' designated pet insurance; or
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Security Bureau of The Government of the Hong Kong Special Administrative Region issued Outbound Travel Alert for the planned destination (payable according to Outbound Travel Alert Extension);
"Trip Curtailment Benefit" will reimburse:
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the loss of the prepaid and unused portion of the travel ticket, accommodation, tour package or admission tickets to travel event (e.g. theme park, museum, concert, musical or sport-related ornamental performance) which is forfeited and irrecoverable for each complete day on pro-rata basis; and
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the additional public conveyance expenses reasonably and inevitably incurred for direct returning to the Place of Origin.
In the occurrence of the following incidents during the journey which prevents the insured person from continuing with his original itinerary after the journey has begun and the insured person is inevitably required to re-route solely for the purpose of continuing his journey to the original planned destination or returning to the place of origin (i.e. Hong Kong):
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adverse weather condition;
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natural disaster;
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Infectious Disease;
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unanticipated outbreak of industrial action involving the arranged public conveyance;
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closure of airport;
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act of terrorist;
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riot or civil commotion; or
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serious bodily injury or serious sickness of the insured person or travel companion; or
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Security Bureau of The Government of the Hong Kong Special Administrative Region issued Outbound Travel Alert for the planned destination (payable according to Outbound Travel Alert Extension);
"Re-routing Benefit" will reimburse:
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the additional public conveyance and/or accommodation expenses reasonably and inevitably incurred outside of the place of origin solely for the purpose of continuing the journey to the original planned destination or returning to the place of origin; or
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the loss of the prepaid and unused portion of the travel ticket, accommodation, tour package or admission tickets to travel event (e.g. theme park, museum, concert, musical or sport-related ornamental performance) which is forfeited and irrecoverable for each complete day on pro-rata basis.
Apart from "Trip Curtailment" and "Re-routing", "Trip Interruption Benefit" also covers the following:
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Cancellation of Local Tour
- Reimburse the forfeited and irrecoverable expense of local tour in the event of (i) the closure of local tour operator due to bankruptcy; or (ii) the closure of the tourist spot due to unpredictable serious destruction.
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Overbooking
- Reimburse the additional accommodation and meal expenses for the failure of boarding the public conveyance due to overbooking.
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Special Allowance - Closure of Designated Service Providers
- Offer a special allowance for purchasing alternative services in the event of the closure of the accommodation, private car or motorhome rental service providers due to its bankruptcy.
Travel Insurance
General Insurance
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Individual Medical Insurance
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