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TRAVELLER’S PERSONAL ACCIDENT INSURANCE


From the hustle and bustle of Hong Kong, it is a pleasure to take some time to travel around the world, climbing famous mountains and rivers, enjoying wondrous scenery and visiting ancient sites. In order to protect the interests of travelers, our company provides a "TRAVELLER’S PERSONAL ACCIDENT INSURANCE". By taking out this insurance, you and your family can reduce The insurance will help you and your family to reduce the financial burden caused by accidents. This insurance is simple, inexpensive and secure.


The Schedule of Benefits∶
If the insured person dies or becomes physically disabled as a result of an accident during the journey during the period of insurance, the Company will pay for the following:
  Benefits
1. Death 100% of the principal sum
2. Loss of two limbs (Actual physical severance through or above wrist or ankle joints), or total and irrecoverable loss of sight of both eyes, or loss of one Limb and total and irrecoverable loss of sight of one eye. 100% of the principal sum
3. Disablement from engaging in or attending to the Insured’s business or occupation of any and every kind. 1100% of the principal sum

For the above 1-3 items, the cumulative amount of compensation is limited to the insured amount, regardless of whether it is a single claim or multiple claims.


Additional Insurance∶


1. Accidental Medical Expenses Benefit∶ 
In the event of accidental bodily injury caused by the above insurance, reasonable expenses incurred for the treatment of such injury, as certified by a registered medical practitioner or hospital, will be reimbursed. However, this benefit is limited to the amount of the medical benefit insured. 
- Up to HK$500 per accident for bruising treatment. 
- Chiropractic and physiotherapy fees up to HK$1,000 per accident.

Medical Expenses Reimbursement: From HK$5,000 to HK$50,000


2.Free 24-hour Emergency Assistance Service:
China Taiping Insurance (Hong Kong) Limited will provide 24-hour worldwide hotline and medical support services for you when you are travelling abroad or on a business trip: 

Hotline service∶

  .Travel Visa Information

  .Referral for medical services, consultation, admission arrangements

  .Consulate Information

  .Loss of luggage

  .Emergency Ticketing Arrangements

  .Interpreter Consultation

  .Legal Support Services

Medical Support Services ∶
  Maximum amount of compensation per incident
Emergency medical evacuation or repatriation No limit
Return of the body or ashes No limit
Arranging visits from friends and relatives (the injured/sick person must be hospitalized for more than seven days) One round-trip air ticket (economy class)
Arranging for the return of young children (aged under 18) One one-way air ticket (economy class)
Guarantee of deposit for hospital admission US$6,500.00*
* An advance of US$6,500 is available from the Emergency Support Centre - as a guarantee of hospital admission and is covered under the insurance policy.

 Note: Medical support services are not applicable to the following situations: 
1. each absence from Hong Kong exceeds 90 consecutive days 

 

Exclusions∶

This Policy does not cover death or disablement directly or indirectly resulting from or consequent upon:

  .War, hostilities or warlike operations, loss or damage from Act of Terrorism, civil war, rebellion, strikes, riots or caused by or contributed to by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception combustion shall include any self-sustaining process of nuclear fission.

  .The Insured willfully exposing himself to needless peril (except in an attempt to save human life), fighting, attack resulting from provocation or deliberate act of Insured or the Insured committing or attempting to commit suicide or self-injury or fighting or any criminal or felonious act.

  .The Insured suffering injury by encountering murder.

  .The Insured engaging in hunting, mountaineering necessitating ropes or guides, skating, water ski-ing, diving, winter sports, racing of any kind or professional sport.

  .In case of the Insured engaging performing arts and productions.

  .In case of the Insured engaging service in the force or police.

  .Pregnancy, childbirth, dystocia or the result or consequence thereof.

  .The Insured suffering from any Pre-Existing physical defect or infirmity which had not been declared to and accepted by the Company. 


Age Limit of Insured∶
From the age of 16 until the age of 75.

 


Charge per HK$10,000 of the sum insured.
Period TRAVELLER’S PERSONAL ACCIDENT INSURANCE (HK$) Accidental Medical Expenses Benefit(HK$)
1 day 0.80 2.00
2 days 1.20 3.00
3 days 1.60 4.00
4 days 1.80 5.00
5 days 2.00 6.00
6 days 2.20 7.00
7 - 8 days 2.40 8.00
9 - 10 days 2.60 9.00
11 - 12 days 2.80 10.00
13 - 14 days 3.00 10.50
15 - 16 days 3.20 11.00
17 - 18 days 3.40 11.50
19 - 20 days 3.60 12.00
21 - 22 days 3.80 12.50
23 - 24 days 4.00 13.00
25 - 26 days 4.20 13.50
27 days - 1 month 4.40 14.00
5 weeks 5.20 15.00
6 weeks 6.00 17.00
7 weeks 6.80 19.00
2 months 8.00 21.00
3 months 9.60 25.00
4 months 12.00 30.00
5 months 14.40 35.00
6 months 16.00 40.00
1 year 24.00 70.00
* The minimum premium for each policy is HK$100.


Product Enquiry: 3716 1616


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

China Taiping Insurance (HK) Company Limited