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Home Individual Insurance - Universal Smart Travel Insurance Plan

Individual Insurance

Universal Smart Travel Insurance Plan

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Bank of China Group Insurance Company Limited ("BOCG Insurance") is delighted to present the “Universal Smart Travel Insurance Plan” (“the Plan”) to you. Whether you and your family members are travelling on holiday, business or short-term overseas study trip, can enjoy a truly worry-free journey.

Product Feature
Basic Benefit
  • Double Indemnity of Personal Accident1, up to HK$4,000,000 (only applicable to Single Travel Plan).
  • Maximum limit for medical expenses up to HK$1,500,000, including the treatment expenses incurred in Hong Kong within 3 months after the insured person’s return from abroad and Trauma Counselling Protection are also provided.
  • Protection for Dangerous Activities1, including bungee jumping, parachuting, rafting, diving, trekking & hot-air ballooning（not applicable to professional sportsmen or people engaged in competition）.
  • If “Black Alert”2 is issued which results in travel delay, cancellation and curtailment etc., the irrecoverable deposits or charges will be payable. (For details, please refer to the list of Outbound Travel Alert)
  • If Compulsory Quarantined due to Infectious Disease or issuance of any Outbound Travel Alert2 to the destination, the period of insurance will be automatically extended.3
  • Rental Vehicle Excess Protection, cover limit up to HK$5,000 (per event).
  • 24-hour Worldwide Emergency Assistance 4, offers you medical emergency assistance service, overseas hospital admission deposit guarantee and medical evacuation to suitable hospital or country of residence.
  • Annual Plan is suitable for frequent travellers or business trip, once you apply this Plan, policy will be automatically renewed5, notice will be given if the underwriting terms and conditions are changed.

Optional Benefit
I. Enhanced Benefit
  • Extended benefit for personal accident and medical & related expenses due to act of terrorism6.
  • Severe Incident Extended Benefit – Extended coverage includes cancellation and curtailment of journey due to unanticipated outbreak of strike, industrial action, adverse weather conditions, natural disasters and infectious disease and death, serious bodily injury or serious illness of the person with whom the insured person is travelling.
  • Extra Cash Allowance, including Cash Allowance for Infectious Disease and Black Outbound Travel Alert2.
  • Outbound Travel Alert2 Extended Benefit - “Red Alert” or “Amber Alert”2 is issued which results in cancellation and curtailment of journey, the irrecoverable deposits or charges will be payable. (For details, please refer to the list of Outbound Travel Alert).

II. Cruise Benefit (Only applicable to Single Travel Plan)
  • Extended benefit for personal accident arising from cruise accident
  • Cruise Cancellation and Interruption Cover
  • Post-Departure Curtailment of Cruise Trip and Failure to Board the Cruise Ship
  • Shore Excursion Cancellation Allowance
  • Satellite Phone Expenses

Notes:

  1. It is not applicable to the insured person aged under 18 or over 70.
  2. The Security Bureau of the Government of HKSAR launches the Outbound Travel Alert (OTA) System which uses amber, red and black signals to differentiate the levels of risk. This system aims to help HKSAR residents better understand the risk or threat to personal safety in travelling to those countries that are popular travel destinations for HKSAR residents.
  3. If the insured person is infected or suspected to have infectious disease resulting in being compulsorily quarantined during the period of the insured journey, the period of insurance of the Plan will be automatically extended for 10 days after the expiry of compulsory quarantine period, or the insurance will terminates upon the insured person’s return to Hong Kong (whenever first occurs) .
  4. 24-hour Worldwide Emergency Assistance Hotline mainly provides emergency assistance service, for enquiries related insured coverage or claims, insured person may contact BOCGI directly.
  5. BOCG Insurance reserves the right to amend the terms and/or adjust the premium and maximum limit under the Plan.
  6. Extended to cover the losses arising from the acts of terrorism (except for using nuclear weapon or device or chemical or biological agent).
Basic Benefit
Insured Items and Coverage Maximum Benefits Payable 7
(each insured person)
(HK$)
(Applicable to Single & Annual Plan) (Only applicable to Single Plan)
Diamond Plan Gold Plan Silver Plan
1.
Personal Accident
 2,000,000 1,200,000 600,000
  • In the event of the death or permanent disablement of the insured person as a result of an accident, claim will be payable according to the “Table of Personal Accident Benefit” under the policy.
  • Major Burns due to Accident (calculated according to the body surface area burnt).
  • Insured Person aged under 18 or over 70.
 800,000 600,000 300,000
(This benefit is not applicable to the insured person who has obtained compensation under Insured Item 1.1 “Double Indemnity”)
1.1
Double Indemnity
Payment for accidental death or permanent total disablement arising from the use of public conveyance (not applicable to persons aged under 18 or over 70, and only applicable to Single Travel Plan)

 4,000,000 2,400,000 1,200,000
2.
Compassionate Death Cash Benefit
Death of the insured person as a result of accident or sickness occurred during the journey
(in the event of death caused by sickness, maximum benefit payable is 30% of the specified amount) 		60,000 40,000 20,000
3.
Medical and Relevant Expenses
3.1
Medical, hospital and treatment expenses incurred as a direct result of accidental bodily injury or sickness occurred during the journey.

1,500,000 1,000,000 500,000
   
(Insured persons aged under 18 or over 70)

 600,000 400,000 250,000
3.2
medical, hospital and treatment expenses incurred in Hong Kong within 3 months after the insured person’s return from abroad. (For Chinese herbalists and bonesetters treatment expenses, maximum benefit payable is HK$150 per day and up to a total of HK$1,500)

 120,000 70,000 40,000
3.3
expenses associated with transport of body to Country of Residence in the event of death of the insured person

 100,000 100,000 50,000
3.4
Trauma Counselling Protection: reasonable medical expenses counselling services incurred if the insured person is diagnosed as suffering from post-traumatic stress disorder due to a serious accident during the journey.

 20,000
(1,500/per day)		 10,000
(1,000/per day)		 5,000
(800/per day)
3.5
Daily hospital cash benefit: payable for hospital confinement exceeding 24 hours either outside Hong Kong or immediately return to Hong Kong as a result of bodily injury or sickness.

 12,000
(800/per day)		 7,500
(500/per day)		 4,500
(300/per day)

(In no event shall the total amount payable under item 3.1 to 3.4 exceed 100% of the corresponding limit in item 3.1 as stated in the selected plan)
4.
Baggage and Personal Effects
 18,000 15,000 6,000
Loss of or damage to baggage and personal effects due to theft, robbery or accident, including :
4.1
Loss or damage of sports equipments (including golf and diving equipments), maximum for any one article / any one pair/any one set of articles

 5,000 3,500 2,500
4.2
Other Baggage, maximum for any one article/any one pair /any one set of articles

 3,000 2,500 2,500
Extended Cover

Loss of Insured Person’s Personal Notebook Computer due to theft or robbery, maximum for any one article/any one pair /any one set of articles

 5,000 3,500 2,500
5.
Delayed Baggage
Emergency purchases of essential items or clothing due to baggage being delayed for at least 6 hours after the insured person’s arrival at the scheduled destination abroad due to misdirection in delivery or hi-jack
(Purchase invoice should be provided when submitting a claim) 		3,000 2,000 1,000
6.
Personal Money
Loss of cash / travelers’ cheques as a direct result of theft or robbery		 5,000 3,000 2,000
Extended Cover

Accidental loss of cash

 1,000 500 300
7.
Credit Card Protection
In the event of accidental death of the insured person during the journey, any outstanding balance charged to the insured person’s credit card(s) for goods purchased by the insured person during the journey will be reimbursed		 20,000 10,000 5,000
8.
Travel Document and Traffic Ticket
In the event of loss of air ticket, travel pass and/or travel documents due to theft, robbery or accident, the insured person will be reimbursed :
8.1
replacement cost of air ticket, travel pass and/or travel documents.

 10,000 5,000 3,000
8.2
additional travel and accommodation expenses incurred to obtain the lost travel documents.
   
(Maximum daily limit for accommodation expenses)

 (1,500/per day) (800/per day) (500/per day)
9.
Personal Liability
Indemnifies the insured person’s legal liability as a result of accidental bodily injury to a third party or accidental loss of or damage to the third party’s property due to negligence.		 3,500,000 2,500,000 1,500,000
10.
Travel Delay
In the event of delay of public conveyance due to adverse weather conditions, natural disaster, strike, industrial action, act of terrorism, winding-up of travel agent or airline company, closure of airport, hijack, mechanical breakdown of the public conveyance or “Black Alert” is issued to the planned destination, the insured person will be reimbursed one of the following benefits:
10.1
cash allowance of HK$300 for the delay of each and every period of 6 consecutive hours (extended cover for red outbound travel alert); or

 3,600 2,700 2,100
10.2
reasonable and inevitable additional travel expenses and overseas accommodation costs due to delay of at least 6 consecutive hours;
(if due to the issuance of “Black Alert”, the maximum benefits of Gold & Silver Plan will be increased to HK$10,000)

10,000 5,000 3,500
11.
Cancellation
In the event of cancellation of the journey as a direct result of the following causes, the insured person will be reimbursed the irrecoverable prepaid fees, including the deposits, travelling expenses, air ticket, travel tickets, accommodation expenses, tour package fee or admission tickets for major sports events, musicals, concerts, museums, and theme parks:
11.1
death, serious bodily injury or sickness of the insured person, his/her family members, close business partner;

 50,000 40,000 30,000
11.2
compliance with a witness summons, jury service or compulsory quarantine of the insured person;
11.3
bankruptcy of travel agents which are registered in the Travel Industry Council of Hong Kong or winding-up of airline company;
11.4
fire or flood damage to the insured person's home within 7 days before the departure date;
11.5
issuance of black outbound travel alert in the destination within 7 days before the departure date
12.
Curtailment
In the event of curtailment of the journey as a direct result of the following causes, the insured person will be reimbursed the unused portion (calculated on pro-rata basis) of the irrecoverable prepaid travel expenses (including the deposits, travelling expenses, air ticket, travel tickets, accommodation expenses, tour package fee or admission tickets for major sports events, musicals, concerts, museums, and theme parks), and the additional travel expenses reasonably incurred for returning to Hong Kong by public conveyance:
12.1
death, serious bodily injury or sickness of the insured person, his/her family members, close relatives, close business partner;

 50,000 40,000 30,000
12.2
fire or flood damage to the insured person's home results in insured person’s failure to continue the journey;
12.3
issuance of black outbound travel alert in the destination;
12.4
hijack of the public conveyance in which the insured person is travelling
13.
Loss of Home Contents
Cover loss of or damage to home contents due to burglary happening at the insured person’s unoccupied home whilst the insured person is travelling away from Hong Kong.		 30,000
(5,000/item)		 20,000
(4,000/item)		 10,000
(3,000/item)
14.
Rental Vehicle Excess
In the event of any accidental loss or damage or theft of the rented vehicle during the journey, protects the insured person who is liable to pay the motor insurance excess under the rental agreements.		 5,000 4,000 2,500
15.
24-hour Emergency Assistance Service8
Designated person is assigned to provide emergency medical assistance and travel information emergency assistance services to the insured person. At the same time, the Plan also offers the following value-added services:
  • Hospital Deposit Guarantee
 50,000
  • Emergency Evacuation
 Unlimited
  • Return to the Country of Residence
 Actual Expenses
  • Return of unattended dependent child(ren)
 Actual Expenses
  • Compassionate visit
 A return scheduled airline ticket and 5 days hotel accommodation (HK$1,200 per day)
  • Referral Services
 Referral services including legal assistance, interpreter and replacement of lost travel document or travel pass.
Optional Benefit
I. Enhanced Benefit (Free cover for Annual Plan)
Insured Items and Coverage Maximum Benefits Payable7
(each insured person) (HK$)
(Applicable to Single & Annual Plan) (Only applicable to Single Plan)
Diamond Plan Gold Plan Silver Plan
16.
Terrorism Extended Cover6
16.1
Personal Accident Extended Cover
Extended cover in the event of the death or permanent disablement of the insured person as a result of act of terrorist6, claim will be payable according to the “Table of Personal Accident Benefit” under the policy.

 2,000,000 1,200,000 600,000
   
(Insured Persons aged under 18 or over 70)

 800,000 600,000 300,000
16.2
Medical Expenses Extended Cover
If bodily injury is incurred due to act of terrorist6 during the journey, claim will be payable according to benefit item 3, including medical treatment expenses, expenses associated with transport of body to Hong Kong, trauma counselling expenses and daily hospital cash etc.

 1,500,000 1,000,000 500,000
   
(Insured persons aged under 18 or over 70)

 600,000 400,000 250,000
17.
Severe Incident Extended Cover
Extended cover for the item 11(Cancellation) and item 12 (Curtailment)：
17.1
Unanticipated outbreak of strike, industrial action, adverse weather, natural disaster or infectious disease at the destination
(the events resulting in Cancellation must be happened within 7 days before the departure date).

 50,000 40,000 30,000
17.2
Serious bodily injury or sickness of the Insured Person’s travel companion.
18.
Extra Cash Allowance
18.1
Compulsory Quarantine Cash Allowance
Compulsory quarantine of the Insured Person during the journey or within 7 days upon return to Hong Kong due to an infectious disease

 12,000
(800/per day)		 7,500
(500/per day)		 4,500
(300/per day)
18.2
Black Travel Alert Cash Allowance
Curtailment or travel delay for at least 6 hours due to the issuance of a Black Alert to the destination, one-off cash allowance will be payable
(in the event that “Curtailment” and “Travel Delay” happened simultaneously, only a one-off cash allowance will be payable for each insured person)

 2,000 1,500 1,000
19.
Personal Notebook Computer and Mobile Phone Cover
19.1
accidental damage of Personal Notebook Computer

 5,000 3,500 2,500
19.2
loss of mobile phone due to theft, robbery or accidental damage.

2,500 1,500 1,000
20.
Outbound Travel Alert Extended Cover

(Reimburse the irrecoverable prepaid travel expenses and reasonable transportation fees in returning to Hong Kong. For details, please refer to the table of Outbound Travel Alert Benefit)

 Red Alert Amber Alert
Percentage of Loss Payable
According to the benefit limit of the Basic Benefit item 11 - Cancellation 50% 25%
According to the benefit limit of the Basic Benefit item 12 - Curtailment 50% 25%
II. Cruise Protection (Not applicable to Annual Travel Plan)
Insured Items and Coverage Maximum Benefits Payable7
(each insured person) (HK$)
Diamond Plan Gold Plan Silver Plan
21.
Personal Accident Extended Cover
Extended cover for disappearance of the insured person due to sinkage of cruise ship, fire, natural disaster or kidnap by pirates during voyage, and the body of the insured person has not been found within one year. 		2,000,000 1,200,000 600,000
(Insured Persons aged under 18 or over 70)
(this item is not applicable if claim is payable under benefit item 1 “Personal Accident” , 1.1 “Double Indemnity” or 16.1 “Terrorism Extended Cover – Personal Accident”.)		 800,000 600,000 300,000
22.
Cruise Cancellation and Interruption Cover9
If the journey to the designated port of departure by public conveyance is delayed for at least 8 hours due to unanticipated adverse weather conditions, natural disasters, strike, industrial action, act of terrorism, hijack or mechanical breakdown of the public conveyance or issuance of black outbound travel alert during the journey, directly results in the insured person’s failure to board the cruise ship, the insured person will be reimbursed:
22.1
Cruise Cancellation
  • irrecoverable prepaid cruise cost; or

 50,000 30,000 15,000
22.2
Cruise Interruption
  • Additional travel expenses - reasonable expenses incurred for rejoining the cruise at the next scheduled port of call.

 15,000 8,000 4,000
23.
Post-Departure of Cruise Cover9
23.1
Curtailment of Cruise Trip
If the cruise trip is abandoned due to the following causes which result in the cruise ship’s failure to continue the voyage, the insured person will be reimbursed the unused portion of the irrecoverable prepaid deposit and the additional transportation expenses reasonably incurred to enable him/her to return to Hong Kong, the starting or ending point of the voyage trip :
  • serious mechanical breakdown of the cruise ship
  • compulsory detention by local government authorities when moored in the port.

 50,000 30,000 15,000
23.2
Failure to Board The Cruise Ship
Covers the additional costs of travel ticket for rejoining the cruise at the next scheduled port of call and/or accommodation expenses at the relevant port of call incurred by the insured person if the insured person fails to board the cruise ship after shore excursion due to:
  • serious traffic accident of the public conveyance on which the insured person is travelling during the shore excursion;
  • bodily injury during the shore excursion which requires the insured person or his/her travel companion to be confined in the hospital at the scheduled departure time of the cruise ship at the relevant port.

 15,000 8,000 4,000
24.
Shore Excursion Cancellation Allowance
Extra cash allowance for irrecoverable prepaid costs of shore excursion is cancelled as a direct result of:
  • serious bodily injury or sickness of the insured person or his/her travel companion; or
  • unanticipated adverse weather conditions, natural disasters, infectious disease, industrial action, riot/civil commotion or act of terrorist at the scheduled destination of the shore excursion.
 7,500
(1,500/ per excursion )		 5,000
(1,000/ per excursion)		 2,500
(500/ per excursion)
25.
Satellite Phone Expenses
If insured person must return directly to the Hong Kong following serious bodily injury or sickness of himself/herself or his/her travel companion during the journey which prevents him/her from continuing the journey, the insured person will be reimbursed the reasonable satellite phone call expenses incurred on board a cruise ship. 		3,000

Notes:

7. Payable on a “per journey basis” (except for “Personal Accident” benefit under the Annual Travel Plan which is payable on a “per policy year basis”).

8. 24-hour Emergency Assistance Service is provided by a service provider designated by BOCG Insurance. For details of the arrangement and provision, please download the policy document via BOCG Insurance’s website for reference.

9. If claim is payable under item 22 “Cruise Cancellation and Interruption Cover” or item 23 “Post-Departure of Cruise Cover ”, no claim will be payable under item 10 “Travel Delay ”, item 11 “Cancellation”, item 12 “Curtailment” and item 17 enhanced cover “Severe Incident Extended Cover”

Table of the Outbound Travel Alert Protection

「Outbound Travel Alert」Benefit - For successful enrollment in the Plan before the issuance of an “Outbound Travel Alert” 2 to the destination by the Hong Kong Special Administrative Region Government (for Single Travel Plan), or the “Outbound Travel Alert” not exists before the date of booking of the scheduled Journey (for Annual Travel Plan), the insured person will enjoy the following extended benefits:

Insured Items and Coverage Codes of「Outbound Travel Alert」
Amber Alert Red Alert Black Alert
Before the Journey
Maximum Benefits Payable7(each insured person) (HK$)
  • Cancellation of Policy and return premium (Only applicable to Single Travel Plan)
 ✔ ✔ ✔
“Cancellation”
  • Reimburse non-refundable charges which have been paid in advance
 25% of the loss amount (Enhanced Benefit) 50% of the loss amount (Enhanced Benefit) 100% of the loss amount
During the Journey
1. “Extend cover period”- the period of insurance will be extended for 10 days ✔ ✔ ✔
2. “Curtailment”
i.
Reimburse the unused and non-refundable charges which have been paid in advance (calculated on pro-rata basis) and the additional transportation expenses reasonably incurred in returning to Hong Kong.

 25% of the loss amount (Enhanced Benefit) 50% of the loss amount (Enhanced Benefit) 100% of the loss amount
ii.
A one-off cash allowance10 for“Curtailment” under item 18.2 of the Enhanced Benefit

 Not applicable Not applicable ✔
(Enhanced Benefit)
3. “Travel Delay”
Travel delay due to issuance of the Outbound Travel Alert, one of the following benefits will be payable:
i.
A cash compensation of HK$300 for every 6 hours of delay (the maximum limit of indemnity is HK$3,600, depending on the plan enrolled); or

 Not applicable ✔ ✔
ii.
reasonable and inevitable additional travel expenses and overseas accommodation costs due to delay of at least 6 consecutive hours;

 Not applicable Not applicable ✔
iii.
A one-off cash allowance10 for ”Travel Delay” under item 18.2 of the Enhanced Benefit

 Not applicable Not applicable ✔
(Enhanced Benefit)
Basic Benefit Coverage
Enhanced Benefit Coverage


Notes :

10. In the event the “Curtailment” and “Travel Delay” happened simultaneously, only a one-off cash allowance will be payable for each insured person. Such one-off cash allowance shall be counted within the maximum limit of indemnity under the corresponding benefits.

Major Exclusions (For more details, please refer to the policy.)

Pre-existing sickness or physical defects, act of war, civil commotion, terrorism(except as otherwise specified), nuclear fission, nuclear fusion or radioactive contamination, professional sports team, suicide, pregnancy, influence of alcohol, drug addiction, AIDS, travelling for the purpose of study (except Student Overseas Travel Cover), migration, business trip involving any dangerous assignments, projects or occupation of a manual nature, mobile phone(except Enhanced Benefit) .

Limitation
  1. Proposed Insured must be aged 18 or above.
  2. Insured Person(s) must be aged between 6 weeks and 80 years.
  3. Journey must be departed from Hong Kong.

Notes for application
  1. Individual application for insurance is required for persons aged 18 or above.
  2. For persons aged between 6 weeks and 17 years who are not travelling with parents, they can apply for Single Travel Plan or Annual Travel Plan individually provided that full adult’s premium is paid and the entire journey is accompanied by and with the custody care of an adult. The maximum benefit payable for “Medical and Relevant Expense” will be the same as adults aged 18 to 70.
  3. The proposal form must be duly signed by a parent or guardian if the person is under 18 years old.
  4. BOCG Insurance reserves the right to amend the terms and/or adjust the premium and maximum limit under the Plan.

Maximum cover period
  1. Single Travel Plan - subject to a maximum of 180 days.
  2. Annual Travel Plan - maximum 90 days for each trip.
Notes for making a claim (For more details, please refer to the provisions of the relevant policy)
  • Any occurrence of an accidental loss, which may give rise to a third party claim, the Policyholder should immediately complete a Travel Insurance claim form and advise BOCG Insurance. The Policyholder or Insured Person shall not be entitled to admit liability on behalf of BOCG Insurance or to give any representations or other undertakings binding upon them except with BOCG Insurance’s written consent.
  • If medical attention is received due to bodily injury or sickness, the Policyholder or Insured Person should pay the expenses and obtain an official receipt issued by a medical practitioner together with a medical certificate showing the nature of the injury or sickness and send back to BOCG Insurance.
  • For any loss or damage to baggage etc. whilst in the custody of carriers (airline, bus company etc), a written notification must be immediately given to such carriers and a report should be obtained.
  • Any loss of money or property (including but not limited to travel document and travel ticket) ,burglary/theft/robbery or any other similar attempt, must be reported to the police at the place of loss within 24 hours of discovery and a report must be obtained.
  • In no event should a claim be lodged later than thirty (30) days after the expiry of the Journey.
Premium Table (HK$)
Single Travel Plan 11 (Basic Benefit)
Insurance Period (days) Insured Person Insured Person & Spouse12 Insured Person & Child(ren)13 Family14
Diamond Plan Gold Plan Silver Plan Diamond Plan Gold Plan Silver Plan Diamond Plan Gold Plan Silver Plan Diamond Plan Gold Plan Silver Plan
Area 115
1 198 124 100 356 222 180 297 185 150 446 278 225
2 204 134 107 366 241 192 305 200 160 458 301 240
3 220 140 113 396 253 204 330 211 170 495 316 255
4 253 161 119 455 291 214 380 242 179 569 363 268
5 265 168 131 476 303 236 397 253 196 595 379 295
6 300 183 144 540 329 258 450 274 215 675 411 323
7 313 196 164 563 352 295 469 294 246 703 440 369
8 325 203 173 585 365 311 488 305 259 731 457 388
9 377 222 183 679 399 330 566 333 275 848 499 413
10 390 251 203 702 452 365 585 377 304 878 565 456
11 410 272 207 737 490 373 614 408 311 921 613 466
12 416 276 210 749 496 378 624 413 315 936 620 473
13 423 279 220 761 502 396 634 418 330 951 627 495
14 429 282 223 772 508 402 644 423 335 965 635 502
15 455 290 231 819 523 416 683 436 346 1,024 653 520
16 462 297 237 831 535 427 692 446 356 1,038 668 534
17 468 312 245 842 561 441 702 468 367 1,053 702 551
18 493 356 279 887 642 502 739 535 419 1,109 802 628
19 500 380 293 899 683 527 749 569 439 1,124 854 659
20 506 401 307 911 722 552 759 601 460 1,139 902 691
21 513 416 321 923 748 578 770 624 481 1,154 936 722
Each additional day 14 11 8 25 20 14 21 17 12 32 25 18
Area 216
1 220 156 109 396 281 196 330 234 164 495 351 245
2 226 163 113 407 293 203 339 245 170 509 367 254
3 231 169 120 416 304 216 347 254 180 520 380 270
4 265 189 131 477 340 236 398 284 197 596 425 295
5 282 221 156 508 398 281 423 332 234 635 497 351
6 319 252 169 574 454 304 479 378 254 718 567 380
7 338 266 181 608 479 326 507 399 272 761 599 407
8 350 280 192 630 504 346 525 420 288 788 630 432
9 432 311 213 778 560 383 648 467 320 972 700 479
10 452 336 219 814 605 394 678 504 329 1,017 756 493
11 466 363 231 839 653 416 699 545 347 1,049 817 520
12 473 370 238 851 666 428 710 555 357 1,064 833 536
13 479 377 244 862 679 439 719 566 366 1,078 848 549
14 486 384 250 875 691 450 729 576 375 1,094 864 563
15 493 392 256 887 706 461 740 588 384 1,109 882 576
16 500 399 263 900 718 473 750 599 395 1,125 898 592
17 506 420 269 911 756 484 759 630 404 1,139 945 605
18 570 450 299 1,026 810 538 855 675 449 1,283 1,013 673
19 578 465 325 1,040 837 585 867 698 488 1,301 1,046 731
20 585 481 332 1,053 866 598 878 722 498 1,316 1,082 747
21 593 488 335 1,067 878 603 890 732 503 1,334 1,098 754
Each additional day 20 16 10 36 29 18 30 24 15 45 36 23
Optional Benefit
Additional Premium
Optional Benefit Percentage of Premium of the Basic Benefit
Single Travel Plan11 Annual Travel Plan17
I Enhanced Benefit 20% Free
II Cruise Benefit 50% Not applicable
Annual Travel Plan17 (Worldwide Protection)
Diamond Plan Gold Plan
Annual Premium 12-Month Interest-free Monthly Instalment 19 Annual Premium 12-Month Interest-free Monthly Instalment 19
Insured Person18 1,896 158 1,596 133
Family14 3,576 298 3,036 253

Remark:

  1. Once the cover for Single Travel Plan is in effect, no refund of premium is allowed.
  2. “Insured Person & Spouse” refers to legally married couple.
  3. “Insured Person & Child(ren)” refers to father or mother travelling with all the legally dependent unmarried child(ren) who is (are) 6 weeks to 17 years old.
  4. “Family” refers to legally married couple with all the legally dependent unmarried child(ren) who is (are) 6 weeks to 17 years old. If the family is insured, the maximum benefit payable in each covered section shall not exceed 200% in aggregate of the amount specified in the selected plan (not applicable to insured item 1, 16 and 21 under “Personal Accident”, item 2 “Compassionate Death Cash”, item 13 “Loss of Home Contents” and item 15 “24-hour Emergency Assistance Service” ).
  5. Area 1: Restricted to the Mainland of China, the Taiwan region, Myanmar, Thailand, Malaysia, Singapore, Indonesia, Philippines, Brunei, Vietnam, Cambodia, Laos, Korea, Japan and Guam.
  6. Area 2: Worldwide.
  7. If the policyholder terminates the Annual Travel Plan, he/she will still be required to pay at least 50% of the total premium. But if any claim has arisen, 100% of the total premium is required to be paid.
  8. One legally dependent unmarried child who is 6 weeks to 17 years old can enjoy free coverage if his/her father or mother is insured under the Annual Travel Plan.
  9. Only applicable to payment settled through BOC Credit Card 12-Month Interest-free Monthly Instalment.
  1. Am I eligible to apply for the Plan? Are there any limitations for the insured person?

    The proposed insured must be aged 18 or above, insured persons must be aged between 6 weeks and 80 years. Applications for persons aged under 18 must be signed by their parents or guardians.

  2. Can I enrol in the Plan for children aged under 18 on a standalone basis? Are there any limitations?

    Yes, enrolment in the Plan can be made for persons aged between 6 weeks and 17 years old travelling without their parents. However, the premium will be the same as that for an adult. Besides, they should complete the entire journey with an adult.

  3. What is mean by “Immediate Family members”?

    Immediate Family members means the insured person’s spouse, parents, parent-in-law, grandparent, child, brother, sister, fiancé or fiancée.

  4. Can I enrol in the Plan after setting off on my journey?

    No, You must enrol in the Plan before your departure from Hong Kong in order to enjoy the protection.

  5. My children will travel overseas on a study tour, can he/she apply the Plan?

    A “Student Overseas Travel Cover” is provided under the Plan free of charge. It offers students adequate protection no matter what they do and where they go such as studying, sightseeing or visiting relatives during their stay overseas.

  6. What is the maximum policy period of the Plan?

    The period of insurance for “Annual Travel Plan” is one year and the maximum cover period for each trip is up to 90 days and with no limit on the number of trips during the covered year. As regard to “Single Travel Plan”, the maximum cover period is 180 days.

  7. Is mobile phone covered under the Plan?

    If you have applied the enhanced benefit, you can have the protection on loss of mobile phone due to theft, robbery or accidental damage. Any loss due to theft or robbery must be reported to the police within 24 hours of discovery and a report must be obtained.

  8. If act of terrorism happened at the destination, can I have the personal accident protection?

    You can have the personal accident protection if you have applied the enhanced benefit.

  9. Will the Plan protect the insured person if he/she joins the scheduled cruise overseas, but he/she fails to board the cruise ship due to delay of the flight and hence the cruise trip is cancelled?

    If travel delay is due to the insured accident for at least 8 hours (e.g. hijack or mechanical breakdown of the public conveyance), directly resulting in the insured person’s failure to board the cruise ship and hence cancellation of the cruise trips, the insured person will be reimbursed the irrecoverable prepaid cruise fees. (only applicable to the insured person who has applied the “cruise protection”)

  10. How to calculate the claim payment under the “Shore Excursion Cancellation Allowance” of the cruise protection?

    Claim payment is based on per insured person and per shore excursion, payment for all shore excursions will not exceed the maximum benefit of the plan selected. (only applicable for the insured persons who have applied “cruise protection benefit”)

  11. Can I make any claims on the Plan if I have made compensation for any accidental loss or damage of the rented vehicle during my journey?

    Yes, the Plan offers the insured person a “Rental Vehicle Excess Coverage” for a maximum indemnity limit if HK$5,000 per event under the rental agreement.

  12. If an incident happened during the journey, what should the insured person do?

    If an accident happened to the insured person during his/her travel, he/she should stay calm and notify the relevant authorities and organizations immediately, such as the Police, airline and travel agency. He/She must also keep the original copies the original copies of all the documents, including the Police report, medical certificate, purchase receipt for necessities and the like. After returning to Hong Kong, he/she should submit a completed claim form together with all supporting documents and reports to the Claims Division of BOCG Insurance as soon as practicable for further processing.

  13. Can I cancel the insurance policy and have premium refund after the policy has been issued?

    Once the “Single Travel Plan” insurance policy has been issued, it is non-cancellable, and no premium refund will be made. For the “Annual Travel Plan”, the premium refund is subjected to the premium refund provisions as stated in the policy.

  14. What should I do if emergency assistance is needed during the journey?

    You may call our 24-Hour Emergency Assistance Services Hotline (852) 2861 9235. Before you dial, please get ready your full name and policy number in order to obtain assistance as soon as possible.

  15. Will the policy of Annual Travel Plan be automatically renewed each year?

    Yes, if you do not receive any amendment notices for renewal terms from BOCG Insurance before the expiry date of the policy, your policy will be automatically renewed and continuously in force upon your payment of renewal premium for the coming policy year.

Note：

The above FAQs are intended as a general summary of information for reference only. Details of the coverage of the Plan are subject to the terms and conditions stipulated in the policy by BOCG Insurance. Please refer to the policy document for the details of the insured items and coverage, provisions and exclusions.


Universal Smart Travel Insurance Plan