| Schedule of Benefits |
Maximum Limit (HK$) |
| Medical Expenses Benefit |
| 1. Hospitalisation and Surgical Expenses during the Journey |
1,000,000 |
Reasonable expenses for qualified inpatient medical treatment, surgery, and hospitalisation arising from sickness or accidental injury during the journey.
(Including Follow-up Medical Expenses in Hong Kong and Compassionate Visit expenses)
|
| Follow-up Medical Expenses in Hong Kong |
100,000 |
| a. | Reasonable medical expenses within 90 days after returning to Hong Kong if the insured person has sought medical treatment abroad. (Including the sub-limit of item b below) |
|
| 3,000 |
| b. | Chinese bone-setting and acupuncture treatment expenses arising from accidental injury.(Maximum daily limit: 1 visit up to HK$200) |
|
| Compassionate Visit |
100,000 |
| If the insured person is hospitalised for more than 3 consecutive days or has passed away abroad, reasonable additional accommodation and travelling expenses are payable for a relative or a friend to fly over and, where appropriate, to take care of the insured person. |
| 2. Outpatient Expenses |
20,000 |
| Reasonable expenses for overseas outpatient visit including outpatient consultation and prescribed medicines. (Maximum daily limit: HK$700) |
| Worldwide Emergency Aid |
| 3. 24-hour Worldwide Emergency Aid+ |
| Emergency Evacuation |
Unlimited |
| Emergency evacuation of the insured person to the nearest medical facility that is capable of providing immediate medical treatment. |
| Repatriation |
Unlimited |
| Repatriation of the insured person to Hong Kong for treatment at physician’s recommendation. |
| Hospital Deposit Guarantee |
40,000 |
| Provide the required admission deposit to hospital on behalf of the insured person. |
| Repatriation of Mortal Remains |
Unlimited |
| Reasonable transportation charge for the repatriation of mortal remains of the insured person to Hong Kong. |
| Compassionate Payment on Death |
20,000 |
| Indemnity provided to the legal estate of the insured person in the event of death as a result of serious bodily injury or sickness. |
| Referral Services |
Included |
| Referral services including legal assistance, interpreter and replacement of lost travel document or travel pass. |
| Personal Accident Benefit |
| 4. Accidental Death and Permanent Disablement |
500,000 |
| In the event of the death or permanent disablement of the insured person as a result of an accident (including an act of terrorist), payable according to the Table of Accidental Death and Permanent Disablement. (Including Major Burns benefit) |
| Major Burns |
200,000 |
| Payable if the insured person suffers from third-degree burns. |
| Travel Interruption Benefit |
| 5. Trip Cancellation^ |
50,000 |
Irrecoverable prepaid travel ticket or accommodation in the event of:
- death, serious bodily injury or sickness of the insured person or his/her immediate family members*#; or
- compliance with a witness summons, jury service or compulsory quarantine of the insured person*#; or
- natural disaster or unanticipated outbreak of epidemic disease, act of terrorist, riot or civil commotion at the working holiday destination within 7 days before the departure date that prevents the insured person from commencing the working holiday*; or
- the issuance of Black Outbound Travel Alert for the working holiday destination is in effect within 7 days before the departure date*▲.
|
| 6. Curtailment of Trip |
50,000 |
Unused portion of the irrecoverable prepaid travel ticket, accommodation and the reasonable additional travel expenses incurred for returning to Hong Kong by public conveyance as a direct result of:
- death, serious bodily injury or sickness of the insured person or his/her immediate family members; or
- adverse weather condition, natural disaster, unanticipated outbreak of epidemic disease, act of terrorist, riot or civil commotion at the working holiday destination that prevents the insured person from continuing the working holiday; or
- the issuance of Black Outbound Travel Alert for the working holiday destination during the journey.
|
| 7. Travel Delay^ |
3,000 |
In the event that the arranged public conveyance is delayed from the scheduled time of departure or arrival due to adverse weather condition, natural disaster, unanticipated outbreak of industrial action, riot/civil commotion, act of terrorist, closure of airport, hijack or mechanical breakdown of the public conveyance, the insured person will be entitled to:
- cash allowance of HK$300 for the delay of each and every period of 6 consecutive hours.
|
| Personal Property Benefit |
| 8. Baggage Delay^ |
500 |
| Cash allowance in the event of baggage delay for at least 6 hours after arrival at the working holiday destination due to misdirection or delivery delay by public conveyance. |
| 9. Baggage and Personal Property |
10,000 |
| Loss or physical breakage of, or damage to baggage or properties (excluding money, mobile phones, tablets and laptop computers) resulting from theft, robbery, burglary, accident or mishandling by carriers. |
| 3,000 |
| (Sub-limit per article/pair/set of articles) |
| 10. Loss of Travel Documents |
5,000 |
| Replacement cost of travel documents and travel tickets which are lost due to theft, robbery, burglary or accidental loss, and reasonable additional travel and accommodation expenses incurred due to such replacement. |
| Other Benefit |
| 11. Personal Liability |
2,000,000 |
| Indemnity against the insured person’s legal liability to third parties in respect of accidental bodily injury or property damage due to negligence. |
