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American Express Travel Insurance Plan ("this Plan") offers a comprehensive travel protection for you and your family to enjoy a worry-free holiday.
Key features of this Plan:
- Extensive coverage: medical expenses, global emergency assistance service, personal accident cover, loss of personal belongings and various travel inconvenience protection
- Coverage for Terrorism, Natural Disasters and Dangerous Sports
- Optional Leisure Activities Cover
- Flexibility in Upgrade of Medical Expenses
- Free Coverage for Children under Family Plan
ACT NOW!
Simply call American Express Travel Insurance Hotline
2903 9443 for enquiries and enrolment.
| Item |
Coverage |
Maximum Benefit per Insured Person per Insured Journey (HK$) |
| 1 |
Medical Cover |
|
| |
(a)Medical Expenses
|
$1,000,000 |
| |
Sub-limits: |
|
| |
Follow-up Treatment due to Accidental Injury |
$1,000,000 |
| |
Follow-up Treatment due to Illness |
$200,000 |
| |
(b) Overseas Hospital Daily Cash Benefits |
$250 per day and up to $1,500 |
| 2 |
Global Emergency Assistance |
|
| |
(a) Compassionate Visit |
One economy class return travel ticket |
| |
(b) Emergency Medical Evacuation |
Actual Cost |
| |
(c) Repatriation of Mortal Remains |
Actual Cost |
| |
(d) Return of Unattended Children |
One economy class one-way travel ticket and up to $30,000 |
| |
(e) Deposit Guarantee for Hospital Admission |
$39,000 |
| |
(f) Additional Accommodation Expenses |
$7,800 |
| |
(g) 24-hour Telephone Hotline and Referral Service |
Included |
| 3 |
Personal Accident Cover |
|
| |
(a) Accident on Public Common Carrier or during Robbery |
$1,500,000 |
| |
(b) Other Accidents |
$750,000 |
| 4 |
Compassionate Death Cash Cover |
$10,000 |
| |
(a) Compassionate Visit |
One economy class return travel ticket and actual hotel accommodation costs up to $30,000 |
| 5 |
Personal Baggage
(max. $3,000 per item, $10,000 for laptop) |
$15,000 |
| 6 |
Loss of Money |
$1,500 |
| 7 |
Credit Card Protection |
$15,000 |
| 8 |
Loss of Travel Documents and/or Travel Tickets |
$5,000 |
| 9 |
Loss of Home Contents due to Burglary |
$50,000 |
| 10 |
Personal Liability |
$2,500,000 |
| 11 |
Travel Delay/Re-routing |
|
| |
(a) Travel Delay ($500 for every full 8 hours delay)
|
$2,000 |
| |
(b) Extra Hotel Costs due to Travel Delay |
$2,000 |
| |
(c) Extra Re-routing Costs due to Travel Delay |
$5,000 |
| 12 |
Baggage Delay/Emergency Purchases (over 6 hours delay) |
$1,000 |
| 13 |
Cancellation of Trip |
$30,000 |
| 14 |
Curtailment of Trip |
$30,000 |
| 15 |
MediExpress China Medical Card Service |
Applicable to over 120 appointed hospitals in China
(Applicable to annual plan only) |
| |
Leisure Activities Cover (Optional) |
|
|
| 16 |
Winter Sports Cover
(a) Ski Hire
(b) Ski Package
(c) Piste Closure
|
$3,000
$3,000
$3,000 |
17 |
Missed Event Cover |
$3,000 |
18 |
Golfer's Hole-in-one |
$3,000 |
19 |
Search and Rescue Cover |
$10,000 |
20 |
Sports Equipment Extension |
$5,000 |
| |
Upgrade on Medical Expenses (Optional) |
|
|
| 21 |
Upgrade of Medical Expenses |
$1,000,000 per unit and maximum 4 units
(Applicable to annual plan only)
|
Notes:
For One Call Travel Insurance
- The age of the proposer must be 18 years or above. No upper limit for acceptance age.
- For insured(s) aged over 80 years upon the commencement of the insured journey, coverage on medical expenses does not cover the first HK$150 of each and every claim.
- For one way travel, cover is valid for a maximum of 7 days after arrival at the final destination.
- No refund of premium is allowed once the policy has been affected.
For Annual Travel Insurance
- No limit on the frequency of travel throughout the year. Period of cover is up to 90 days for each trip.
- The age of the proposer must be 18 years or above. The acceptance age limit is up to 70 years and the maximum renewal age is up to 75 years.
For One Call Travel Insurance or Annual Travel Insurance
- For insured(s) aged 17 years below, or aged 65 years or above upon the commencement of the insured journey:
- Personal Accident cover is limited to 50% of the benefit amount for this plan;
- Cover for Accident on Public Common Carrier or during Robbery is not applicable.
- For a family policy, maximum liability in aggregate for any one accident shall not exceed 300% of each section, free coverage only applicable to children aged 17 years or below.
- Loss of cash or personal belongings, which are not reported to the police or the relevant airline, hotel or travel agency, will not be compensated.
- Cancellations or alternations to schedule must be verified by the airline, travel agency or any other relevant organization.
Major exclusions of this policy:
Accident caused by war, injury or illness existing before travelling, injury or illness caused by childbirth, alcoholism or abuse of drugs, or travel against the advice of medical practitioner or travel for the purpose of obtaining medical treatment.
Remarks:
Zurich Insurance Company is the insurance underwriter of American Express Travel Insurance Plan ("this Plan") and solely responsible for all coverage and compensation. Zurich Insurance Company is not a subsidiary or an affiliate of American Express. Zurich Insurance Company reserves the right of final approval of this Plan. The above description is only a summary and does not constitute any part of the contract. For details, please refer to policy terms and conditions and exclusion clauses and the above description is neither an offer to sell nor a solicitation to purchase any particular insurance product.
American Express International Inc. ("We/we") identifies insurance providers and products that may be of interest to you. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive commissions from providers and commissions may vary by provider and product. Also, in some cases, an American Express entity outside of the country may be the reinsurer and may earn reinsurance income. The arrangements we have with certain providers, including the potential to reinsure products, may also influence what products we identify. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.
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