New Taiping Comprehensive Travel Insurance Scheme

From family vacations to business trips, Taiping Comprehensive Travel Insurance gives you the peace of mind that you are protected from unforeseen circumstances.

So be prepared and get your travel insurance today. We don't just keep you and your family protected, with us, you'll travel smarter and safer.

PLAN FEATURES

High Medical Coverage

Ø   Covers up to HKD1,000,000 for medical expense whilst overseas.

Rental Vehicle Excess Coverage

Ø   The excess which is legally liable due to theft of the rental vehicle or damage to such vehicle during the trip.

Leisure or Non-Professional Activities

Ø   Covers leisure amateur sports such as hot-air ballooning, skiing, parachuting, water skiing, etc.

24-Hour Worldwide Emergency Assistance Service

Ø   Unlimited Emergency Medical Evacuation and or Repatriation

Terrorism Protection

Ø   Covers in the event of Terrorism (except for using nuclear weapon or device or chemical or biological agent)

Personal Belongings Cover

Ø   Protection against accidental loss of or damage to your baggage and belongings, including mobile phone* and laptop computer. (* Only applicable to Premier Plan)

Trip Eventually Cancelled due to Delay

Ø   Pay the loss of Pre-paid travel expenses if the departure from Hong Kong is delayed for covered reasons for more than 10 hours resulting in cancellation of trips.

Travel Delay Cover

Ø   We will pay the following benefits:

w    Pays HK$300 cash allowance for each 6 hours of travel delay, and

w    Extra overseas accommodation expenses, and

w    Extra public conveyance expenses

Baggage Delay Cash Allowance

Ø   If your checked-in baggage is delayed for more than 6 hours, we will pay you a lump sum allowance without any proof of purchase.

Cancellation or Curtailment

Ø   If you are forced to cancel or cut you trip short for covered reasons, this Benefit is extended to cover the expenses incurred if you purchase an airline ticket using frequent flyer or similar reward points, you will be reimbursed at HKD1 for every 10 air mileage.

Ø   Protection upon issuance of Red or Black Alert or unexpected outbreak of natural disaster at the destination.

Mobility Extension

Ø   Reimbursement on cost of mobility equipment and installation for household and daily purpose, as a result of accidental permanent total disablement.

Unauthorized Use of Credit Card

Ø   We will reimburse you for the monetary loss due to unauthorized use of your credit card provided that it is lost whilst overseas.

Cash Allowance due to Kidnap

Ø   We will pay daily cash benefit for each 24 hours

Funeral Expenses

Ø   Pay for the funeral expenses including burial and cremation charges in the event of accidental death.

Personal Accident cover starts 4 hours before trip departure from Hong Kong and up to 4 hours after returning to Hong Kong.

No age limit for Single Trip Cover

Annual Multi-Trip Cover

Ø   Get FREE “MedPass” China Medical Card Service

Ø   An unlimited number of trip

Ø   The maximum duration per trip is 100 days

Ø   Insured age limit is 70 years old

Automatic extension of Cover

Ø   In the event that you get delayed overseas due to uncontrollable circumstances, your policy will automatically be extended up to 10 days at no extra charges.

Get FREE Assistance Services when you purchase our Travel Insurance.

Call 24/7 Hotline at (852) 2861 9283, for advice and referrals on:

w   Pretrip Information Services

w   Embassy Referral

w   Lost Luggage Assistance

w   Travel Information

w   Hospital Network Information

w   Emergency Travel Service Assistance

w   Interpreter Referral

PREMIUM TABLE (HKD)

Annual Multi-Trip Cover

	Individual	Individual & Child(ren)	Family
Premier Plan	1,880	2,820	4,700
Excellent Plan	1,380	2,070	3,450
Essential Plan	980	1,470	2,450
Age Limit	18-70	Adult: 18-70; Child : below 18
Discount	Enjoy 10% OFF for the Insured Couple

Group Discount A group of Insured Persons under a family, corporation or an organization is eligible to apply as a group under annual individual plan. Q  Enjoy 10% OFF for group of 2 or above Q  Enjoy 15% OFF for group of 10 or above

Single Trip Cover

Coverage Period (days)	Premier Plan			Excellent Plan			Essential Plan			China Plan
	Individual	Individual & Child(ren)	Family	Individual	Individual & Child(ren)	Family	Individual	Individual & Child(ren)	Family	Individual	Individual & Child(ren)	Family
1	108	162	270	88	132	220	52	78	130	42	63	105
2	130	195	325	108	162	270	62	93	155	56	84	140
3	148	222	370	126	189	315	76	114	190	60	90	150
4	202	303	505	152	228	380	90	135	225	80	120	200
5	230	345	575	168	252	420	116	174	290	90	135	225
6	266	399	665	192	288	480	152	228	380	106	159	265
7	282	423	705	206	309	515	160	240	400	112	168	280
8	300	450	750	216	324	540	176	264	440	120	180	300
9	318	477	795	232	348	580	188	282	470	126	189	315
10	340	510	850	246	369	615	196	294	490	132	198	330
11	380	570	950	260	390	650	202	303	505	140	210	350
12	398	597	995	278	417	695	210	315	525	152	228	380
13	432	648	1080	298	447	745	220	330	550	172	258	430
14	460	690	1150	318	477	795	232	348	580	182	273	455
15	496	744	1240	338	507	845	252	378	630	196	294	490
16	522	783	1305	356	534	890	270	405	675	208	312	520
17	530	795	1325	362	543	905	280	420	700	210	315	525
18	540	810	1350	370	555	925	286	429	715	216	324	540
19	550	825	1375	376	564	940	290	435	725	218	327	545
20	566	849	1415	388	582	970	298	447	745	226	339	565
21	586	879	1465	400	600	1000	300	450	750	232	348	580
22	602	903	1505	412	618	1030	306	459	765	238	357	595
23	610	915	1525	418	627	1045	310	465	775	242	363	605
24	620	930	1550	422	633	1055	312	468	780	246	369	615
25	628	942	1570	432	648	1080	318	477	795	250	375	625
26	646	969	1615	440	660	1100	322	483	805	256	384	640
27	656	984	1640	452	678	1130	330	495	825	260	390	650
28	668	1002	1670	462	693	1155	336	504	840	262	393	655
29	680	1020	1700	476	714	1190	340	510	850	270	405	675
30	698	1047	1745	498	747	1245	348	522	870	278	417	695
Each Additional Day	25	37	62	20	30	50	15	22	37	10	15	25
Maximum Coverage Period	182 days									60 days

All the premium listed above exclude insurance levy collected by the Insurance Authority.

Individual & Child(ren) Includes one adult and his/her all accompanying children under the age of 18

Family Includes a legal couple and their all accompanying children under the age of 18.

TABLE OF BENEFITS

Benefits		Maximum Benefit per Insured Person (HKD)
		Premier Plan	Excellent Plan	Essential Plan	China Plan
1	Personal Accident
	A.     Accident on a Public Conveyance i)      Insured person aged 18 to 75 ii)    Insured person aged below 18 or above 75	1,500,000 500,000	750,000 250,000	500,000 150,000	500,000 150,000
	B.     Other Accidents i)      Insured person aged 18 to 75 ii)    Insured person aged below 18 or above 75	1,000,000 500,000	500,000 250,000	300,000 150,000	300,000 150,000
	C.     Major Burns	300,000	200,000	100,000	100,000
2	Medical and Relevant Expenses
	A.    Overseas Medical Expenses i)      Insured person aged 18 to 75 ii)    Insured person aged below 18 or above 75	1,000,000 500,000	500,000 250,000	300,000 150,000	300,000 150,000
	B.     Follow-up Medical Expenses in Hong Kong (a)   Caused by Accident (b)   Caused by Sickness	100% of unused portion of A 10% of unused portion of A			50,000 30,000
	Total for A & B in aggregate during one trip shall not exceed A
	C.     Overseas Transportation for Medical Treatment	1,000	500	300	300
	D.     Trauma Counselling	10,000 (1,000/day)	5,000 (500/day)	2,500 (250/day)	N/A
3	Cash Allowance
	A.     Hospital Cash Allowance	5,000 (500/day)	3,000 (300/day)	1,000 (200/day)	N/A
	B.     Compulsory Quarantine Cash Allowance	5,000 (500/day)	3,000 (300/day)	1,000 (200/day)	N/A
4	Travel Delay
	A.     Cash Allowance (HKD300 for each full 6 hours)	1,500	1,200	600	300
	B.     Extra Overseas Accommodation Expenses	2,000	1,000	500	N/A
	C.     Extra Public Conveyance Expenses	10,000	8,000	3,000	N/A
	D.     Trip Eventually Cancelled due to Delay New	2,000	1,000	N/A	N/A
5	Baggage Delay Cash Allowance (for delay over 6 hours)	1,000	500	300	300
6	Cancellation of Journey -      Loss of Reward (HKD1 for every 10 air mileage) New	30,000 1,000	20,000 1,000	5,000 1,000	5,000 N/A
7	Curtailment of Journey -      Loss of Reward (HKD1 for every 10 air mileage) New	30,000 1,000	20,000 1,000	5,000 1,000	5,000 N/A
8	Personal Baggage and Personal Effects	20,000	10,000	5,000	5,000
	Sub-limit: -       any one article, pair, set or collection -       all cameras and camcorders -       cover only one Laptop Computer New -       all golf equipment New -       cover only one mobile phone New	3,000 5,000 10,000 5,000 3,000	3,000 5,000 10,000 5,000 N/A	3,000 5,000 5,000 5,000 N/A	3,000 3,000 N/A N/A N/A
9	Personal Money	3,000	2,500	1,000	1,000
10	Travel Document and Travel Ticket -      Extra Accommodation Daily Limit	20,000 2,000	10,000 1,000	5,000 500	3,000 500
11	Loss of Home Contents -       Sub-limit for any one article, pair, set or collection	50,000 3,000	30,000 3,000	10,000 3,000	5,000 3,000
12	Personal Liability	1,500,000	1,000,000	500,000	500,000
13	24 Hours Worldwide Emergency Assistance •    Emergency Medical Evacuation or Repatriation •    Repatriation of Mortal Remains/Ashes •    Compassionate Visit -      Transportation Expenses -      Accommodation Expenses •    Return of Unattended Dependent Child(ren) •    Hotel Room Accommodation for Convalescence •    Deposit Guaranteeing of Hospital Admission •    twenty-four (24) hours hotline	Unlimited Unlimited One Return Economy Class Air Ticket 1,200 per day, up to 5 days One Way Economy Class Air Ticket 1,200 per day, up to 5 days USD6,500 Available
14	Additional Benefits
	A.    Compassionate Death Allowance	20,000	10,000	10,000	10,000
	B.    Credit Card Protection^	30,000	20,000	10,000	5,000
	C.    Funeral Expenses New	20,000	10,000	5,000	N/A
	D.    Mobility Extension New	20,000	10,000	5,000	5,000
	E.     Cash Allowance due to Kidnap New	20,000(2,000/day)	10,000(1,000/day)	N/A	N/A
	F.     Unauthorized Use of Credit Card^ New	3,000	3,000	N/A	N/A
	G.    Absence of Overseas Special Events New	2,000	1,000	500	500
	H.    Rental Vehicle Excess	6,000	3,000	N/A	N/A
	I.      Skiing Events (a)        Ski Equipment Hire (b)        Ski Interruption (c)        Piste Closure	3,000 3,000 3,000	1,000 1,000 1,000	N/A N/A N/A	N/A N/A N/A

^Credit Card Protection and Unauthorized Use of Credit Card are not applicable to any Insured Person under the age of 18.

IMPORTANT DETAILS

Place of Departure

Ø   All trips must begin from Hong Kong

Duplication of Cover

Ø   You can only be covered under one policy by us in respect of this insurance.

Maximum Trip Duration

Single Trip Cover:

Ø   182 days for Premier Plan, Excellent Plan and Essential Plan

Ø   60 days for China Plan

Annual Multi-Trip Cover: 100 days per trip

Age Limit

Ø   For Single Trip Cover: No age limit is required

Ø   For Annual Multi-Trip Cover: Maximum age limit is 70

Nature of Travel

Ø   Only valid for conventional leisure travel or business travel

Fitness for Travel

Ø   At the time of applying this insurance, you must be medically fit to travel and not be aware of any circumstances (including but not limited to financial, medical, political, adverse weather conditions) which could lead to cancellation, interruption or curtailment of your trip.)

CLAIMS PROCEDURE

1. All first treatment for bodily injury or sickness must be attended by a registered medical practitioner outside Hong Kong SAR.
2. You must report the theft or accidental loss of your luggage, personal effects, travel documents or money to the local police and relevant agency within 24 hours. A written report must be made at that time and a copy of the report obtained.
3. Official documents provided by public conveyance provider are required for baggage delay or travel delay.
4. You must not make any offer, promise of payment, or admit any liability without our written consent.
5. You must advise us of any claim, or occurrence that may give rise to a claim, as soon as possible and within 30 days of returning home.
6. All claims shall be made together with a copy of passport, visa or other travel document and satisfactory proof including reports from hospital, registered medical practitioner, police, airlines or other responsible authorities.

 

MAJOR EXCLUSIONS

1. Riot and strike, war (whether declared or not), invasion, act of foreign enemies, civil war, revolution, civil unrest;
2. Any biological, chemical and/or nuclear act of terrorism;
3. Participate in any flight activities or jobs, other than as fare-paying passenger in commercial airline;
4. Engaging in any kind of manual labour work whether for business or leisure;
5. Professional sports or games or participation in any sport games competition; 
6. Self-inflicted injury, alcoholism or drug abuse; 
7. Pregnancy, dystocia, miscarriage or childbirth;
8. Venereal disease or sexually transmissible including AIDS (Acquired immune Deficiency Syndrome) and ARC (AIDS Related Complex).
9. Dental treatment unless it is resulting from Accidental Bodily Injury to sound and natural teeth;
10. Pre-existing illness or bodily injury.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

HELPFUL TIPS
Safety of your belongings

• •Don’t check in your valuables (including watches), photographic equipment and mobile device(s) – keep them with you (unless security regulations meant you were forced to check them in).
• •Don’t leave your belongings in a motor vehicle at any time.
• •Don’t walk away from or leave your belongings unattended in a public place.
• •Loss or damage of any baggage or items whilst in the custody of an airline or other carrier, remember to get the “Property Irregularity Report(PIR)”
• •Remember to check for your items when checking out of any accommodation or leaving an aircraft, ship, train, tram, taxi or bus.

Product Enquiry: 3716 1616

* The information contained in this website is a general summary. All terms and conditions are set out in the policy.