Travelsure Protection Plan

Multiple coverage protection to safeguard your trip

Special notice about Hang Seng Bank’s bancassurance partnership
A new insurance partnership between Hang Seng Bank Limited and Chubb Insurance Hong Kong Limited came into effect on 10 July 2023 and the insurance partnership with QBE General Insurance (Hong Kong) Limited (“QBE”) has ended on 9 July 2023.
Any policies issued by QBE expiring on or after 9 July 2023 will not be renewed. You can review your insurance coverage before the expiration of policy to make sure you have a timely replacement. View arrangement details

Successfully apply for Travelsure Protection Plan (Single Trip Cover) to enjoy travel delay coverage and a chance to win an air ticket to Tokyo in Lucky Draw.

Terms and Conditions apply. The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited.

Plan overview

Travelsure Protection Plan (“Travel Insurance”) offers Single Trip Cover, Annual Global Cover and Annual China Cover to meet your different travel insurance needs. It also offers various protection, including trip cancellation or delay, participating in winter or water sports and more.
This Travel Insurance is underwritten by Chubb Insurance Hong Kong Limited ("Chubb").

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Key features

Up to HKD1,000,000 Medical and Personal Accident coverage

• Overseas Hospital Admission Deposit up to HKD20,000 (under Chubb Assistance – 24 Hour Worldwide Assistance Services)
• Hospital Cash benefit for hospitalisation due to Bodily Injury or Sickness (not applicable to Annual China Cover Basic Plan)
• Follow-up Medical Expenses up to 90 days after return to Hong Kong, for the treatment of the same Bodily Injury or Sickness arose during the trip
• Expenses for Trauma Counselling within 90 days from the occurrence of a traumatic event, when the Insured is the victim and sustains Bodily Injury due to that traumatic event
• Expenses for Mobility Extension for the equipment and installation/modification if the Insured sustains Permanent Total Disability arising from Bodily Injury during the trip
• Hotel accommodation and transport expenses provided that the Insured Person is recommended by Physician to convalesce immediately before continuing with the Journey after hospital confinement overseas and the original scheduled ticket is forfeited
• Transport and escort services expenses for the escorting the child back to Hong Kong, and Compassionate Visit expenses covering the transport and accommodation expenses for visiting the Insured Person who is unfit to travel, endangered or suffers from death due to Bodily Injury or Sickness (under Chubb Assistance – 24 Hour Worldwide Assistance Services)
• Accidental death, loss of limb(s), eyesight, hearing, speech or Permanent Total Disability and
• Compassionate Death Cash for sustaining Bodily Injury on the Journey leading to Accidental death or Sickness leading to death within 12 months

Up to HKD3,000 loss of Personal Cash & HKD10,000 Travel Documents coverage

This Travel Insurance covers (not applicable to Annual China Cover Basic Plan):

• Loss of cash, banknotes or cheques (excluding digital currency); and
• Replacement cost of travel documents and/or travel tickets; and
• Additional transport and/or accommodation expenses for arranging the replacement travel documents and/or travel tickets

Up to HKD50,000 Credit Card Protection (Hang Seng Credit Card exclusive)

Within the 12 months following Bodily Injury during the Journey causing Accidental death or Permanent Total Disability, this policy will reimburse the Hang Seng Credit Card bill of the Insured Person spent at the date of the accident, including credit card interest and charges at the date of the accident.

Up to HKD15,000 Personal Property coverage

This Travel Insurance covers the loss, theft or damage to your personal belongings during the trip, including baggage, laptop, mobile phone (20% excess is applied), etc.

Losses must be reported to the police within 24 hours and written police report is required. For losses occurred in transport, the Public transport Carrier must be notified and written report is required.

Up to HKD1,000 Baggage Delay coverage

This coverage (applicable to Single Trip Cover Standard Plan / Annual Global Cover only) includes the cost of purchasing essential toiletries and clothing when checked-in baggage is delayed, misdirected or temporarily misplaced by a Public Transport Carrier for at least 10 consecutive hours from the time of arrival at destination's transport terminal.

Up to HKD30,000 Trip Cancellation and Curtailment coverage

This Travel Insurance (not applicable to Annual China Cover Basic Plan) offers reimbursement of the pre-paid and unused tour or transportation fare, accommodation deposit and / or cost of admission ticket to major sporting event, musical concert, museum or theme park arising from trip cancellation and/or curtailment due to specific events.

Up to HKD2,000 Travel Delay or HKD10,000 Re-routing coverage

This Travel Insurance plan covers (not applicable to Annual China Cover Basic Plan and only one of the compensations is available):

• Cash Benefit for the first 6 hours and every 8 hours of travel delay; or
• Reimbursement for the additional or forfeited accommodation expenses outside Hong Kong if the delay exceeds 24 consecutive hours

Re-routing
In the event of delay of a Public Transport for at least 8 consecutive hours or the unexpected issuance of Black Alert at the destination after commencement of the journey, and the journey has to be re-routed, this insurance will cover:

• The lost transport and/or accommodation expenses paid in advance or forfeited by the Insured Person after departing from Hong Kong; or
• Reasonable additional transport and/or accommodation incurred by an Insured Person to enable him or her to arrive at their scheduled destination
• Re-routing due to Black Alert is not covered in Annual China Cover Standard Plan
  

Up to HKD5,000 Rental Vehicle Excess coverage

This coverage (applicable to Single Trip Cover / Annual Global Cover only) includes reimburse the insurance excess that is legally liable to be paid by the Insured Person, due to the loss or damage to a rental vehicle caused by an accident while under the Insured Person's control during the Journey.

Coverage overview

Note(s): The information above is for reference only, you can refer to the plan coverage and Policy Wording for details.

Product information

Example 1

Example 2

Eligibility

Example 1

Travelsure Protection Plan - Single Trip Coverage

• Her travel companion called the Chubb Assistance hotline to refer and arrange for a translator to communicate with the doctor, as they did not speak Korean
• It was diagnosed that her injury was rather severe
• The doctor advised her to get back to Hong Kong for immediate medical treatment
• The Chubb Assistance team then arranged medical repatriation for her, including the ambulance and flight arrangements back to Hong Kong

• Medical expenses in Korea
• Non-refundable prepaid cost of Booked Holidays arising from the trip curtailment
• Extra travelling expenses for medical repatriation
• Follow up medical treatment in Hong Kong
• The loss of her mobile phone and tablet computer

Total compensated amount: HKD 81,000

Example 2

TravelSure Protection Plan - Annual Global Coverage

Ms. Chau was about to take off for a trip, but had to cancel due to the sudden death of an immediate family member from an acute disease.

She was fully compensated for the non-refundable prepaid costs of the air tickets and hotel accommodation

The payment was directly credited through autopay into her designated bank account

Eligibility

Eligibility

• This Policy is only valid for travels originating from Hong Kong
• The insured age of the Single Trip Coverage has no upper limit; the Annual Trip Coverage is only available to those under 75 years old (at the policy effective date)

FAQs

Popular questions

Yes, Travelsure Protection Plan provides cover for business travel (limited to administrative, clerical and non-manual works only).

My domestic helper will travel with me. Will this plan provide coverage for my domestic helper's accidental injury caused during the trip?

No. Travelsure Protection Plan does not cover injury or death caused by any labour work. So you should approach the insurer who issued your helper's employee insurance for an extension of the protection to overseas work.

Yes, Travel Insurance is designed for people going abroad as a visitor for leisure or on business trips. The scope of coverage is different from a life insurance plan.

Application

Single trip cover: there is no age limit.

Annual cover: The Insured Person(s) must be between 18 to 74 years old, while child(ren) must be under 18 years old (at the policy Commencement Date or Renewal Date).

• Please select "Friends/relatives" to proceed online application.

Single trip cover: Yes, you can enroll for all travel companion(s) other than your spouse and/or your child(ren), please select under "Friends/relatives", the premium will be calculated based on the number of "Friends/relatives" as selected.

Annual cover: You can enroll for your spouse, child(ren) and/or parent(s).

Coverage related

If the World Health Organisation issued travel warning against a certain country or region but I still travelled there, will this affect the coverage of protection?

No. The travel warning issued by the World Health Organisation against a certain country or region shall have no bearing upon the protection provided by this plan. However, it is suggested that an insured should closely observe the development of the relevant situation as any orders promulgated subsequently by the government may affect the insured's journey and the protection under this plan.

• Period of insurance: one year from the Commencement or Renewal Date
• Maximum coverage period for each journey is the earliest of:
  1. up to 60 days (inclusive of the date of departure); or
  2. 3 hours after the Insured Person passed through Hong Kong immigration control point on their return to Hong Kong; or
  3. At the end of the Period of Insurance.
• There is no limit on the number of journeys during the covered year.

Single Trip Cover: the maximum coverage period is 6 months.

Under Basic Plan of the Annual China Cover, if the Insured Person sustains bodily injury caused by an assault during a robbery while traveling in mainland China (excluding Hong Kong SAR) or Macau SAR, which leads to death or permanent disability, the original Personal Accident benefit of HKD200,000 will be doubled to HKD400,000.

After successful enrolment in the Travelsure Protection Plan, what protection(s) will I be entitled to if a "Travel Alert" was issued by the Hong Kong Government on my scheduled destination?

Applicable to Single Trip Cover and Annual Global Cover only.

Insured Person can enjoy policy benefits under issuance of 'Black Alert' or 'Red Alert' in the planned destination:

Before the trip:

• Trip Cancellation benefit up to HKD30,000

During the trip:

• Trip Curtailment benefit up to HKD30,000 ; or
• Re-routing (Black Alert only) up to HKD10,000; and
• Free 10-days policy extension

For 'Black Alert', the Insured Person can be reimbursed the relevant loss up to the maximum Sum Insured. For 'Red Alert', reimbursement will be up to 50% of the relevant loss and the maximum Sum Insured.

Emergency assistance and China Emergency Card

As long as the condition is covered under the policy, you can enjoy the insurance protection when admitted to non-designated hospitals outside the hospital list. But, please note that the guarantee of hospital admittance deposit in the case for admission to non-designated hospitals is up to HKD20,000. You must also obtain the original copy of the hospital or medical receipt with the diagnosis certified by the attending doctor and settle such medical expenses first. And then file a claim when you return to Hong Kong.

The China Emergency Card is applicable to hospital admission only. If you only visit an out-patient clinic, you need to pay the consultation fee, get a receipt and medical certificate, and then file a claim when you return to Hong Kong. Make sure the medical practitioner treating you is licensed by the competent medical authorities.

If you need any emergency assistance during your trip, please call our Chubb Assistance – 24 Hour Emergency Assistance Hotline at (852) 3723 3030.

Your eChina Emergency Card will be attached in the confirmation email of your enrolled policy of Annual Global Cover or Annual China Cover.

How to use the China Emergency Card if I have an accidental bodily injury or sickness that needs hospitalisation and treatment.

In such event, you should:

• Check the hospital list and call the Chubb 24-Hour Emergency Hotline at (852) 3723 3030 for assistance.
• Go to the nearest appointed hospital and present the following documents to the hospital admission staff:
  
  • Chubb Assistance China Emergency Card
  • Travel document, e.g. Re-entry Permit, HKID or Passport

  
  All information provided on the hospital list is subject to change without prior notice. Please contact the 24-hour Chubb Emergency Hotline for assistance.
  

  Do I have to bring along my China Emergency Card when visiting the designated hospitals? What should I do if I forget to bring the Card?

  For cases involving hospitalisation, you must present the China Emergency Card to be eligible for the fast-track admission service. Otherwise you will have to pay the expenses first and then file a claim or contact our 24-hour emergency service for assistance.
  

  If my China Emergency Card is lost, can it be replaced? Is there any card replacement cost?

  Yes, you just need to download the eChina Emergency Card from the policy confirmation email/ renewal confirmation email. There is no card replacement cost.