ASIA SUPERIOR TRAVEL INSURANCE

Enjoy a 20% premium discount on our single trip plan

Why you will like this:

Up to HKD 1 million overseas medical insurance coverage

No co-payment or excess

Worldwide Emergency Assistance Services

Who can apply:

The Applicant/Proposer and insured persons must be a Hong Kong resident and aged 18 or above

Age Limit (on Departure Date): Aged 6 months up to 75 years

Trips must originate from Hong Kong

Apply now
 

Enjoy a 20% premium discount on our single trip plan

Travel with complete peace of mind during and after your trip.

PROMOTION

Save more with Explorer Travel Insurance

Enjoy a 20% premium discount on our single trip plan.

TRAVEL INSURANCE BENEFITS
COVID-19 coverage

COVID-19 coverage

Get up to HKD 1 million in medical expenses, plus hospital cash if you’re admitted overseas. You’ll also have access to emergency assistance and a free 21-day insurance extension.

Broader support for permanent disablement

Broader support for permanent disablement

Receive compensation starting from the loss of a toe, giving you greater protection even in less severe injury cases.

Coverage for terrorism and travel alerts

Coverage for terrorism and travel alerts

Stay covered for medical costs, personal accidents, and emergency support if you’re affected by an act of terrorism or travel disruptions due to an Outbound Travel Alert (OTA).

Protection for amateur sports

Protection for amateur sports

Take part in popular activities like bungee jumping, rafting, skiing, and other winter sports — with coverage that goes with you.

Free trip extension

Free trip extension

If your return is unexpectedly delayed, your Single Trip Plan includes a free automatic extension of up to 15 days.

No co-payment or excess fees

No co-payment or excess fees

Enjoy full coverage with no co-payment or excess — so you won’t have to worry about extra out-of-pocket costs when making a claim.

Door-to-door coverage

Door-to-door coverage

Your coverage starts the moment you leave your home or workplace in Hong Kong and stays with you until you return.

Additional benefits

Additional benefits

Get added protection with benefits like OTA Extension, Single Occupancy, Home Care Benefit, Overseas Rental Vehicle Excess Protection, and Trauma Counselling.

BENEFITS
Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Medical Expenses Benefit

(A) Medical Expenses1


Reimbursement of reasonable medical and surgical fees, hospital charges and emergency dental treatment incurred overseas as a result of sudden sickness or accidental bodily injury.
(Hospital room & board charges - maximum HK$2,500 per day.)

500,000

1,000,000

(B) Follow-up Medical Expenses in Hong Kong


Medical Expenses reasonably incurred within 90 consecutive days after the return to Hong Kong including:
– Follow-up treatments by Chinese Medicine Practitioner (including Chinese bone-setting and acupuncture treatment) and physiotherapist.

50,000

2,000
(200 per day per visit)

100,000

3,000
(300 per day per visit)

The total Maximum Limit payable under Items (A) and (B) of this Section shall not exceed HK$500,000 (for Plan A) or HK$1,000,000 (for Plan B).

1 For Insured Person aged below 18 or over 70, the maximum limit of Medical Expenses incurred overseas and under COVID-19 Extension shall be HK$250,000 and HK$350,000 for Plan A and Plan B respectively.
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Medical Expenses Benefit

(A) Medical Expenses1


Reimbursement of reasonable medical and surgical fees, hospital charges and emergency dental treatment incurred overseas as a result of sudden sickness or accidental bodily injury.
(Hospital room & board charges - maximum HK$2,500 per day.)

Plan A
Maximum Limit per Journey per Insured Person (HK$)

500,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

1,000,000

(B) Follow-up Medical Expenses in Hong Kong


Medical Expenses reasonably incurred within 90 consecutive days after the return to Hong Kong including:
– Follow-up treatments by Chinese Medicine Practitioner (including Chinese bone-setting and acupuncture treatment) and physiotherapist.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

50,000

2,000
(200 per day per visit)

Plan B
Maximum Limit per Journey per Insured Person (HK$)

100,000

3,000
(300 per day per visit)

The total Maximum Limit payable under Items (A) and (B) of this Section shall not exceed HK$500,000 (for Plan A) or HK$1,000,000 (for Plan B).

1 For Insured Person aged below 18 or over 70, the maximum limit of Medical Expenses incurred overseas and under COVID-19 Extension shall be HK$250,000 and HK$350,000 for Plan A and Plan B respectively.

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Personal Accident Benefit
In the event of death or permanent disablement of the Insured Person resulting from an accident, claim will be payable according to the Table of Personal Accident Benefit.

(A) Accident on Public Conveyance


(Not applicable to Insured Person aged below 18 or over 70.)

750,000

1,500,000

(B) Other Accidents2

500,000

1,000,000

(C) Major Burns Benefit3


Payable if the Insured Person suffers from third degree burns with burnt areas equal to or greater than 2% of head or 10% of total body surface area due to an accident during the journey.

200,000

300,000

2For Insured Person aged below 18 or over 70, the maximum limit of Other Accidents shall be HK$250,000 and HK$350,000 for Plan A and Plan B respectively.

3For Insured Person aged below 18 or over 70, the maximum limit payable under Major Burns Benefit shall be 50% of the limit applicable to the plan selected.
See more coverages

Personal Accident Benefit
In the event of death or permanent disablement of the Insured Person resulting from an accident, claim will be payable according to the Table of Personal Accident Benefit.

(A) Accident on Public Conveyance


(Not applicable to Insured Person aged below 18 or over 70.)

Plan A
Maximum Limit per Journey per Insured Person (HK$)

750,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

1,500,000

(B) Other Accidents2

Plan A
Maximum Limit per Journey per Insured Person (HK$)

500,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

1,000,000

(C) Major Burns Benefit3


Payable if the Insured Person suffers from third degree burns with burnt areas equal to or greater than 2% of head or 10% of total body surface area due to an accident during the journey.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

200,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

300,000

2For Insured Person aged below 18 or over 70, the maximum limit of Other Accidents shall be HK$250,000 and HK$350,000 for Plan A and Plan B respectively.

3For Insured Person aged below 18 or over 70, the maximum limit payable under Major Burns Benefit shall be 50% of the limit applicable to the plan selected.

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Worldwide Emergency Assistance Services

(A) Emergency Medical Evacuation

Unlimited

(B) Repatriation after Local Treatment

Unlimited

(C) Hospital Deposit Guarantee

40,000

(D) Repatriation of Unattended Children

40,000

(E) Compassionate Visit

40,000
(1,200 per day for 5 days for accommodation)

(F) Repatriation of Mortal Remains

30,000

(G) 24-Hour Worldwide Emergency Assistance Hotline

Referral Service

(The services are provided by Inter Partner Assistance Hong Kong Limited.)
See more coverages

Worldwide Emergency Assistance Services

(A) Emergency Medical Evacuation

Plan A
Maximum Limit per Journey per Insured Person (HK$)

Unlimited

Plan B
Maximum Limit per Journey per Insured Person (HK$)

Unlimited

(B) Repatriation after Local Treatment

Plan A
Maximum Limit per Journey per Insured Person (HK$)

Unlimited

Plan B
Maximum Limit per Journey per Insured Person (HK$)

Unlimited

(C) Hospital Deposit Guarantee

Plan A
Maximum Limit per Journey per Insured Person (HK$)

40,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

40,000

(D) Repatriation of Unattended Children

Plan A
Maximum Limit per Journey per Insured Person (HK$)

40,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

40,000

(E) Compassionate Visit

Plan A
Maximum Limit per Journey per Insured Person (HK$)

40,000
(1,200 per day for 5 days for accommodation)

Plan B
Maximum Limit per Journey per Insured Person (HK$)

40,000
(1,200 per day for 5 days for accommodation)

(F) Repatriation of Mortal Remains

Plan A
Maximum Limit per Journey per Insured Person (HK$)

30,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

30,000

(G) 24-Hour Worldwide Emergency Assistance Hotline

Plan A
Maximum Limit per Journey per Insured Person (HK$)

Referral Service

Plan B
Maximum Limit per Journey per Insured Person (HK$)

Referral Service

(The services are provided by Inter Partner Assistance Hong Kong Limited.)

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Translation Service in Overseas Hospital

Reimbursement of reasonable costs incurred by the Insured Person in engaging the services of a local translator/interpreter in the overseas hospital where the Insured Person is confined over 24 consecutive hours.

2,000
(200 per day)

5,000
(500 per day)
See more coverages

Translation Service in Overseas Hospital

Reimbursement of reasonable costs incurred by the Insured Person in engaging the services of a local translator/interpreter in the overseas hospital where the Insured Person is confined over 24 consecutive hours.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

2,000
(200 per day)

Plan B
Maximum Limit per Journey per Insured Person (HK$)

5,000
(500 per day)

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Overseas Hospital Cash Allowance

Daily cash allowance while the Insured Person is hospitalised overseas over 24 consecutive hours as a result of bodily injury or sickness during the journey.

2,000
(200 per day)

5,000
(500 per day)
See more coverages

Overseas Hospital Cash Allowance

Daily cash allowance while the Insured Person is hospitalised overseas over 24 consecutive hours as a result of bodily injury or sickness during the journey.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

2,000
(200 per day)

Plan B
Maximum Limit per Journey per Insured Person (HK$)

5,000
(500 per day)

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Trip Cancellation

(A) Trip Cancellation


Reimbursement of the forfeited and irrecoverable prepaid tour package or travel ticket and/or accommodation expenses and/or overseas local tour costs due to cancellation of the journey necessitated by the occurrence of any of the following after the time of application of the insurance, or 30 days before the departure date of the planned journey (except for Items (3) and (4) below), whichever is the later:

  1. death, serious bodily injury or serious sickness of Insured Person or his/her Immediate FamilyMember or travel companion;
  2. jury service or witness summons of Insured Person;
  3. unexpected outbreak of strike, industrial action, adverse weather conditions, natural disaster at the planned destination within 7 days before the departure date of the planned journey;
  4. serious damage to Insured Person's home by fire, explosion or earthquake within 7 days before the departure date of the planned journey;
  5. issuance of Red or Black Travel Alert4 (except for the reason of a pandemic) on the planned destination.

 

20,000

30,000

OR
(B) Single Occupancy


Reimbursement of additional cost incurred as a result of a change in the per person occupancy rate applicable to the prepaid tour package or travel ticket and/or accommodation and/or overseas local tour in the event of death, serious bodily injury or serious sickness of Insured Person’s travel companion within 7 days before departure date, if Insured Person decides to travel so planned.

5,000

10,000

4 Refer “Outbound Travel Alert (OTA) Extension” for the details of benefit limit.
See more coverages

Trip Cancellation

(A) Trip Cancellation


Reimbursement of the forfeited and irrecoverable prepaid tour package or travel ticket and/or accommodation expenses and/or overseas local tour costs due to cancellation of the journey necessitated by the occurrence of any of the following after the time of application of the insurance, or 30 days before the departure date of the planned journey (except for Items (3) and (4) below), whichever is the later:

  1. death, serious bodily injury or serious sickness of Insured Person or his/her Immediate FamilyMember or travel companion;
  2. jury service or witness summons of Insured Person;
  3. unexpected outbreak of strike, industrial action, adverse weather conditions, natural disaster at the planned destination within 7 days before the departure date of the planned journey;
  4. serious damage to Insured Person's home by fire, explosion or earthquake within 7 days before the departure date of the planned journey;
  5. issuance of Red or Black Travel Alert4 (except for the reason of a pandemic) on the planned destination.

 

Plan A
Maximum Limit per Journey per Insured Person (HK$)

20,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

30,000

OR
(B) Single Occupancy


Reimbursement of additional cost incurred as a result of a change in the per person occupancy rate applicable to the prepaid tour package or travel ticket and/or accommodation and/or overseas local tour in the event of death, serious bodily injury or serious sickness of Insured Person’s travel companion within 7 days before departure date, if Insured Person decides to travel so planned.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

5,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

10,000

4 Refer “Outbound Travel Alert (OTA) Extension” for the details of benefit limit.

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Trip Curtailment5

Reimbursement of unused portion of the forfeited and the irrecoverable prepaid fees for tour package or travel ticket and/or accommodation and/or overseas local tour and the additional actual public conveyance expenses incurred to return to Hong Kong as a result of necessary and unavoidable curtailment of journey directly arising from the following causes:

  1. death, serious bodily injury, or serious sickness of Insured Person or his/her Immediate Family Member or travel companion;
  2. unexpected outbreak of strike, industrial action, adverse weather conditions, natural disaster at the planned destination;
  3. serious damage to Insured Person's home by fire, explosion or earthquake;
  4. issuance of Red or Black Travel Alert4 (except for the reason of a pandemic) on the destination during the journey.

 

20,000

30,000

4Refer “Outbound Travel Alert (OTA) Extension” for the details of benefit limit.

5Insured Person can only claim under either Section 7 – Trip Curtailment or Section 8 – Trip Re-routing or Section 9 – Travel Delay (but not more than 1 section) in respect of any loss arising from the same cause.
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Trip Curtailment5

Reimbursement of unused portion of the forfeited and the irrecoverable prepaid fees for tour package or travel ticket and/or accommodation and/or overseas local tour and the additional actual public conveyance expenses incurred to return to Hong Kong as a result of necessary and unavoidable curtailment of journey directly arising from the following causes:

  1. death, serious bodily injury, or serious sickness of Insured Person or his/her Immediate Family Member or travel companion;
  2. unexpected outbreak of strike, industrial action, adverse weather conditions, natural disaster at the planned destination;
  3. serious damage to Insured Person's home by fire, explosion or earthquake;
  4. issuance of Red or Black Travel Alert4 (except for the reason of a pandemic) on the destination during the journey.

 

Plan A
Maximum Limit per Journey per Insured Person (HK$)

20,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

30,000

4Refer “Outbound Travel Alert (OTA) Extension” for the details of benefit limit.

5Insured Person can only claim under either Section 7 – Trip Curtailment or Section 8 – Trip Re-routing or Section 9 – Travel Delay (but not more than 1 section) in respect of any loss arising from the same cause.

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Trip Re-routing5

Reimbursement of reasonable and inevitable additional public conveyance and/or accommodation expenses incurred for the purpose of continuing the journey to the original planned destination or returning to Hong Kong if the itinerary has been confirmed before the commencement of the journey and the journey has to be re-routed after its commencement as a direct result of strike, industrial action, adverse weather conditions, natural disaster or hijack which prevents the Insured Person from continuing the original itinerary.

5,000
(1,000 per day for accommodation)

10,000
(2,000 per day for accommodation)
See more coverages

Trip Re-routing5

Reimbursement of reasonable and inevitable additional public conveyance and/or accommodation expenses incurred for the purpose of continuing the journey to the original planned destination or returning to Hong Kong if the itinerary has been confirmed before the commencement of the journey and the journey has to be re-routed after its commencement as a direct result of strike, industrial action, adverse weather conditions, natural disaster or hijack which prevents the Insured Person from continuing the original itinerary.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

5,000
(1,000 per day for accommodation)

Plan B
Maximum Limit per Journey per Insured Person (HK$)

10,000
(2,000 per day for accommodation)

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Travel Delay5 (for delay over 6 consecutive hours)

(A) Cash Allowance


Cash benefit for delay of the arranged public conveyance for more than 6 consecutive hours due to strike, adverse weather conditions, natural disaster, hijack or mechanical and/or electrical breakdown of public conveyance.

2,000
(200 for each full 6-hour delay)

3,000
(300 for each full 6-hour delay)

OR
(B) Additional Expenses


Reasonable and inevitable additional public conveyance and/or accommodation expenses incurred due to the delay of at least 6 consecutive hours directly arising from the above reasons.

5,000
(1,000 per day for accommodation)

7,500
(1,500 per day for accommodation)

5Insured Person can only claim under either Section 7 – Trip Curtailment or Section 8 – Trip Re-routing or Section 9 – Travel Delay (but not more than 1 section) in respect of any loss arising from the same cause.
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Travel Delay5 (for delay over 6 consecutive hours)

(A) Cash Allowance


Cash benefit for delay of the arranged public conveyance for more than 6 consecutive hours due to strike, adverse weather conditions, natural disaster, hijack or mechanical and/or electrical breakdown of public conveyance.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

2,000
(200 for each full 6-hour delay)

Plan B
Maximum Limit per Journey per Insured Person (HK$)

3,000
(300 for each full 6-hour delay)

OR
(B) Additional Expenses


Reasonable and inevitable additional public conveyance and/or accommodation expenses incurred due to the delay of at least 6 consecutive hours directly arising from the above reasons.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

5,000
(1,000 per day for accommodation)

Plan B
Maximum Limit per Journey per Insured Person (HK$)

7,500
(1,500 per day for accommodation)

5Insured Person can only claim under either Section 7 – Trip Curtailment or Section 8 – Trip Re-routing or Section 9 – Travel Delay (but not more than 1 section) in respect of any loss arising from the same cause.

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Personal Baggage and Personal Effects

Accidental loss of or damage to personal baggage and personal effects, including golf equipment and purchases during journey. Sub-limit:

  • Laptop
  • Mobile phone
  • Others: Any one item, pair, set or collection

 

7,500

4,000
500
2,000

20,000

6,000
1,000
3,000
See more coverages

Personal Baggage and Personal Effects

Accidental loss of or damage to personal baggage and personal effects, including golf equipment and purchases during journey. Sub-limit:

  • Laptop
  • Mobile phone
  • Others: Any one item, pair, set or collection

 

Plan A
Maximum Limit per Journey per Insured Person (HK$)

7,500

4,000
500
2,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

20,000

6,000
1,000
3,000

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Baggage Delay (for delay over 6 consecutive hours)

Expenses incurred for emergency purchases of essential toiletries or clothing due to at least 6 consecutive hours of deprivation of baggage from the time of arrival at destination outside Hong Kong due to delay or misdirection in delivery.

1,000

2,000
See more coverages

Baggage Delay (for delay over 6 consecutive hours)

Expenses incurred for emergency purchases of essential toiletries or clothing due to at least 6 consecutive hours of deprivation of baggage from the time of arrival at destination outside Hong Kong due to delay or misdirection in delivery.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

1,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

2,000

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Loss of Travel Document

Expenses to obtain a replacement of a travel document which has been lost or stolen during overseas journey and related additional public conveyance and/or accommodation expenses reasonably and necessarily incurred.

2,000
(1,000 per day for accommodation)

5,000
(2,000 per day for accommodation)
See more coverages

Loss of Travel Document

Expenses to obtain a replacement of a travel document which has been lost or stolen during overseas journey and related additional public conveyance and/or accommodation expenses reasonably and necessarily incurred.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

2,000
(1,000 per day for accommodation)

Plan B
Maximum Limit per Journey per Insured Person (HK$)

5,000
(2,000 per day for accommodation)

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Personal Money

Loss of cash, banknotes and travellers’ cheque belonging to and being carried by the Insured Person arising from theft, burglary or robbery during the journey.
(Not applicable to Insured Person aged below 12.)

1,000

3,000
See more coverages

Personal Money

Loss of cash, banknotes and travellers’ cheque belonging to and being carried by the Insured Person arising from theft, burglary or robbery during the journey.
(Not applicable to Insured Person aged below 12.)

Plan A
Maximum Limit per Journey per Insured Person (HK$)

1,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

3,000

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Unauthorised Use of Lost Credit Card

Monetary loss due to unauthorised use of credit card carried by the Insured Person which is accidentally lost during the journey.

1,000

3,000
See more coverages

Unauthorised Use of Lost Credit Card

Monetary loss due to unauthorised use of credit card carried by the Insured Person which is accidentally lost during the journey.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

1,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

3,000

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Personal Liability

Indemnity against legal liability to third parties in respect of accidental bodily injury or damage to property due to the Insured Person’s negligence.

2,000,000

    
2,000,000
See more coverages

Personal Liability

Indemnity against legal liability to third parties in respect of accidental bodily injury or damage to property due to the Insured Person’s negligence.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

2,000,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

    
2,000,000

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Home Care Benefit

Loss of or damage to home contents of the Insured Person’s unoccupied home in Hong Kong due to fire or burglary when the Insured Person is travelling overseas.
Sub-limit:

  • Any one item, pair, set or collection

10,000

5,000

20,000

5,000
See more coverages

Home Care Benefit

Loss of or damage to home contents of the Insured Person’s unoccupied home in Hong Kong due to fire or burglary when the Insured Person is travelling overseas.
Sub-limit:

  • Any one item, pair, set or collection
Plan A
Maximum Limit per Journey per Insured Person (HK$)

10,000

5,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

20,000

5,000

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Overseas Rental Vehicle Excess Protection

Reimbursement of the rental vehicle insurance excess or deductible charged by the licensed vehicle rental company due to car accident, parking damage or theft of a rental vehicle during the journey.

3,000

5,000
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Overseas Rental Vehicle Excess Protection

Reimbursement of the rental vehicle insurance excess or deductible charged by the licensed vehicle rental company due to car accident, parking damage or theft of a rental vehicle during the journey.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

3,000

Plan B
Maximum Limit per Journey per Insured Person (HK$)

5,000

Benefits / Sum Insured Plan A
Maximum Limit per Journey per Insured Person (HK$)		 Plan B
Maximum Limit per Journey per Insured Person (HK$)

Trauma Counselling

Counselling fees if Insured Person witnesses and/or is the victim of a traumatic event which is serious bodily injury, act of terrorist, armed robbery, hijack, natural disaster or rape during the journey.

10,000
(1,000 per day per visit)

15,000
(1,500 per day per visit)
See more coverages

Trauma Counselling

Counselling fees if Insured Person witnesses and/or is the victim of a traumatic event which is serious bodily injury, act of terrorist, armed robbery, hijack, natural disaster or rape during the journey.

Plan A
Maximum Limit per Journey per Insured Person (HK$)

10,000
(1,000 per day per visit)

Plan B
Maximum Limit per Journey per Insured Person (HK$)

15,000
(1,500 per day per visit)

Table of Personal Accident Benefit

Insured Events Benefits Payable
(% of Maximum Limit)
A. Accidental Death

100%
B. Permanent Disablement

 
1. Total loss of sight of both eyes or total loss of two limbs

100%
2. Total loss of sight of one eye and total loss of one limb

100%
3. Total paralysis or injuries resulting in the Insured Person being permanently bedridden

100%
4. Permanent Total Disablement

100%
5. Total loss of sight of one eye or total loss of one limb

50%
6. Loss of four fingers and thumb of one hand

50%
7. Loss of four fingers of one hand

40%
8. Loss of thumb

(a) both phalanges
(b) one phalanx

25%

10
9. Loss of index finger

(a) three phalanges
(b) two phalanges
(c) one phalanx

10%

8%

4%
10. Loss of each other finger

(a) three phalanges
(b) two phalanges
(c) one phalanx

5%

3%

2%
11. Loss of toes

(a) all toes of one foot
(b) great toe both phalanges
(c) great toe one phalanx
(d) other than great toe, each

15%

5%

2%

1%
12. Loss of hearing

(a) both ears
(b) one ear

50%

15%
13. Permanent and total loss of speech

50%

The aggregate benefit payable for the above insured events during the same journey shall not exceed 100% of the maximum limit of Personal Accident Benefit for each Insured Person.

  • Insured/Proposer must be a Hong Kong resident and aged 18 or above.
  • This Policy is applicable to conventional leisure or business (clerical or administrative work only) travel, not applicable to expedition, adventure or similar journey.
  • Any children under 12 years of age must be accompanied by an adult.
  • COVID-19 Extension will not be provided if the Insured Person (i) fails to be vaccinated with at least 2 doses of COVID-19 vaccine recognised by the Government of Hong Kong SAR before the journey (not applicable to Insured Person aged below 12) and/or (ii) fails to comply with the vaccination related entry requirement of the destination the Insured Person is travelling to.
  • Insured Person must be fit to travel at the time of applying this insurance and not in acknowledgement of any circumstances (including but not limited to financial, medical, political, adverse weather conditions) which could lead to cancellation, interruption or curtailment of the journey.
  • For Single Trip Plan, the policy is non-cancellable, and no refund of premium is allowed once the policy is issued.
  • The insurance cover shall be non-transferrable.
  • Written notice of claim must be given to Asia Insurance within 30 days following the occurrence of any event giving rise or likely to give rise to a claim under this Policy. Written proof of loss must be furnished to Asia Insurance within 30 days from the date of issuance of receipt of the claim form provided to Asia Insurance.
  • This is only a brief description of product features and does not constitute any part of the insurance contract. Please refer to the policy document for details of insurance terms, conditions and exceptions which shall prevail in case of inconsistency. Asia Insurance reserves the right of final approval and decision.
  • If there is any conflict or inconsistency between the English & Chinese versions, the English version shall prevail.

The following is a highlight of some key exclusions to Asia Superior Travel Insurance. Please refer to policy document for the full list of exclusions that apply to each section and the entire policy.

  • War (whether declared or not), invasion, rebellion, biological or chemical attack, civil war, civil commotion and related perils.
  • Act of Terrorist (for all Sections except Section 1 – Medical Expenses Benefit, Section 2 – Personal Accident Benefit, Section 3 – Worldwide Emergency Assistance Services and Outbound Travel Alert (OTA) Extension).
  • Nuclear fission or radioactive contamination.
  • Infectious disease requiring quarantine or isolation by law or the public conveyance provider.
  • Any wilful, malicious, criminal, unlawful, or deliberate act of the Insured, the Insured Person or any family member of the Insured or of the Insured Person, or travel companion.
  • Any pre-existing conditions, including but not limited to congenital or hereditary conditions.
  • Any circumstance, event or incident which exists or is known to exist or ought to be known or announced before the time of application of the insurance.
  • Self-inflicted injuries, pregnancy, psychological disturbances, alcoholism, drug addiction, venereal disease, AIDS or AIDS related complex.
  • Sport or game in a professional capacity; trekking or parachuting or hiking at an altitude limit greater than 5,000 metres above sea level or diving to a depth greater than 30 metres below sea level or mountaineering (necessitating the use of ropes or pitons); any speed time trial for or any form of race competition including but not limited to car racing, motor rallies and competition, horse-racing, and competitions of swimming, sailing, bicycling, skiing and so forth (other than on foot).
  • Flying or other aerial activities except while travelling as a fare-paying passenger in a licensed passenger carrying aircraft operated by a recognised airline or air charter company and not as pilot or air crew nor for the purpose of any trade or technical operation in or on the aircraft.
  • Loss of baggage, travel documents or personal money not reported to the relevant authorities (e.g. airlines, travel agents, police, etc.) within 24 hours upon discovery of such loss and failure to provide a report certified by such authorities.
  • Personal liabilities arising from ownership, possession, hire, use or operation of vehicles, unmanned aircraft system, aircraft, watercraft, or weapons.
  • Property Cyber and Data Exclusion.
  • Communicable Diseases including any mutation or variation thereof (for Section 2 – Personal Accident Benefit and Section 15 – Personal Liability only).
  • COVID-19/Pandemics or epidemics including any mutation or variation thereof (for all Sections except Section 2 – Personal Accident Benefit and Section 15 – Personal Liability).

PREMIUM TABLE (Single Trip Plan)

PREMIUM TABLE (HK$)
(for each Insured Person)
Single Trip Plan Adult (Aged 18-75) Child (Aged below 18)
Travelling in "Asia" Travelling Worldwide
Coverage Period
(No. of Days) 		Plan A Plan B Plan A Plan B Plan A Plan B
1 125 176 138 194 83 97
2 125 176 138 194 83 97
3 158 224 174 246 104 123
4 173 270 190 297 114 149
5 188 293 207 322 124 161
6 201 314 232 352 139 176
7 213 333 246 373 147 186
8 263 413 303 463 182 231
9 275 433 318 485 191 242
10 289 457 334 512 200 256
11 299 475 345 532 207 266
12 310 495 358 554 215 277
13 320 514 370 576 222 288
14 331 534 382 598 229 299
15 390 631 450 707 270 353
16 402 653 464 731 278 366
17 420 682 485 764 291 382
18 430 702 497 786 298 393
19 440 722 508 809 305 404
20 450 741 520 830 312 415
21 460 761 524 852 314 426
22 540 833 612 921 367 461
23 551 853 624 943 374 472
24 563 874 637 966 382 483
25 574 894 649 988 389 494
26 585 914 662 1,020 397 510
27 596 934 674 1,042 404 521
28 608 955 687 1,065 412 533
29 619 975 699 1,087 419 544
30 630 995 711 1,109 427 555
From 31 to 60 day (Each Additional Day) 16 23 18 30 11 15
From 61 to 90 day (Each Additional Day) 20 28 23 38 14 19

Remarks:

  • “Asia” includes Brunei, Cambodia, China, Guam, Indonesia, Japan, South Korea, Laos, Macau, Malaysia, Myanmar, Philippines, Singapore, Taiwan, Thailand and Vietnam.
  • Premium Levy collected by the Insurance Authority has been imposed on relevant policy at the applicable rate and would be remitted in accordance with the prescribed arrangements. For further information, please visit www.asiainsurance.hk or contact: (852) 3606 9933. Asia Insurance will pay the Premium Levy on behalf of the policyholders of Asia Superior Travel Insurance.
REMARKS

For more coverage information, please refer to the Product Brochure and Insurance Policy.

For claims details, please refer to the Travel Claim Advices and Claim Form.

For making amendment request, please refer to Amendment Request Form.

For premium discount details, please refer to the Terms and Conditions of the offer.

BEFORE YOU APPLY

Eligibility requirements

Applicant / Proposer

Hong Kong resident aged 18 or above

Insured persons

Hong Kong residents

Age limit

6 months to 75 years (on departure date)

Important notices

  • Asia Superior Travel insurance is a product of insurance company or insurer but not OCBC Bank.
  • OCBC Bank is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as insurance agency and is the authorized insurance agency of Asia Insurance for distribution of Asia Superior Travel insurance in the Hong Kong Special Administrative Region ("HKSAR"). The Plan is underwritten by Asia Insurance which is authorized and regulated by the Insurance Authority ("IA") of HKSAR. Asia Insurance will be responsible for providing your insurance coverage and handling claims under your plan.
  • Premium Levy payable to the IA by policyholders has been imposed on relevant policy at the applicable rate and would be collected through insurance companies. For further information, please visit www.asiainsurance.hk or www.ia.org.hk.
  • OCBC Bank and Asia Insurance reserve the right to amend or terminate the terms and conditions for the relevant premium discount without prior notice to customers. In case of any disputes, the decision of OCBC Bank and Asia Insurance shall be final.
  • The above information is for reference only and illustrative purpose only and shall not form any part of the policy document. Please refer to the insurance policy for terms and conditions. Where there is any discrepancy or inconsistency between the above information and the terms and conditions of the insurance policy, the latter shall prevail.
  • In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the OCBC Bank and the customer out of the selling process or processing of the related transaction, OCBC Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between Asia Insurance and the customer.
  • Asia Insurance reserves the right to accept or decline any application for this plan. In case of any dispute in connection with the contents of this plan, the decision of Asia Insurance shall be final and conclusive. If you have any enquiries, please call the enquiry hotline.
  • In case of any conflict or inconsistency between the English and Chinese versions of the above information, the English version shall prevail. 

Important Notes:

  1. Asia Superior Travel insurance (the “Plan”) is underwritten by Asia Insurance Company Limited (“Asia Insurance”). OCBC Bank (Hong Kong) Limited (the "Bank", "we", "us" or "our") is an Insurance Agency appointed by Asia Insurance, and the insurance product (including but without limitation to the Plan) is a product of Asia Insurance but not the Bank.
  2. By clicking on the “Agree” button below, you will be redirected to a third party (i.e. Asia Insurance) website, including but not limited to the quotation page, application page, payment page and payment result page of Asia Insurance, over which the Bank has no control. The Bank is not responsible for verifying the information provided on such third party website and is not responsible for the contents available on or the set-up of such website. Use of the third party website will be entirely at your own risk, and subject to any terms and conditions of the third party website (including but not limited to those relating to confidentiality, data privacy and security or terms of the products or services that may be offered on the third party website). It is your sole responsibility to go through the relevant information and the terms and conditions provided on the third party website before you proceed with the online application. We shall have no liability and are not responsible for any loss or damage that you may suffer or incur resulting or arising from the terms and conditions of any third party website or any matters in relation to the products or services (including but without limitation to the Plan) that may be available on such third party website. The Bank does not make any guarantees or warranties that your online application will be successful. The Bank is not liable for any loss and inconvenience you suffer as a result of Asia Insurance refusing to process your online application.
  3. You agree to be bound by all the terms and conditions herein and in the following documents (including all notices of amendments and addendum made thereto by the Bank from time to time) You are also deemed to have agreed with any other terms of use and rules and conditions, policies set down in the third party website. Without prejudice and in addition to the Disclaimer, by referring or linking to the specified page of the third party website, we do not approve, endorse or guarantee, and we disclaim any responsibility for the contents, products or services that may be offered on that third party website, its performance or interaction with your computer, its security and privacy policies and practices, and any consequences that may result from visiting that third party website. Nothing of the aforementioned limits or excludes any liability to the extent contrary to the applicable Hong Kong laws and relevant regulations.

    If you understand and accept all the content above and agree to be redirected to the third party website, please click the "AGREE" button below. Otherwise, please click the "CANCEL" button to leave.

    The English version of this document shall prevail if there is any inconsistency between the English and Chinese versions.

    Attention: You are going to be redirected to Asia Insurance’s website after clicking “AGREE” button.
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