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When you're out of town, or on holiday, and you know that you and your family are protected by the most comprehensive travel insurance and emergency assistance service, you can be rest assured.
That's why Wing Hang Zurich Insurance brings you the TravelCare Worldwide Insurance Plan. With extensive benefits, global validity, and affordable premiums, it's the best travel companion you could possibly have ! |
Plan highlights: |
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Medical Cover |
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Hospital cash benefit |
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Follow-up medical treatment, including Chinese medicine bone-setting, acupuncture etc. |
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Personal accident cover, including accident on public common carrier or during robbery |
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Burns cover |
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Compassionate death cash cover |
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24-hour global emergency assistance service with hospital admission guarantee |
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Personal liability cover |
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Loss of home contents due to burglary during the traveling period |
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Credit card protection |
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Additional transportation & accommodation due to the loss of travel documents or tickets |
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Baggage cover including golf equipment and lap-top computer |
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100% protection for dangerous sports, including winter sports, scuba diving, water-skiing, rafting, sailing, parachuting, rock climbing, bungee jumping, horse riding etc. |
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Compensation for travel delay & re-routing due to terrorism, natural disaster etc. |
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No age limit1 |
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Children aged below 17 years will enjoy free cover while parents enroll the family plan |
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For annual travel insurance, no limit on the frequency of travel |
1 It is not applicable to annual travel insurance plan. |
Benefits table |
Coverage |
Maximum benefits per insured person (HK$) |
Medical cover
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Medical expenses |
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Follow-up medical treatment expenses within 3 months of returning to Hong Kong |
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Hospital daily cash benefit |
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Hotel room accommodation for convalescence and return ticket |
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1,000,000
50,000
5,000(500/day)
30,000 (daily room rate 1,000) |
Global emergency assistance cover
• Hospital admission guarantee
• Emergency evacuation or repatriation service
• Repatriation of mortal remains
• Compassionate visit
• Additional accommodation expenses
• Return of unattended child
• Other free advisory services |
39,000
Actual cost
Actual cost
One economy class return airfare 7,800(1,950.day)
One economy class one-way airfare up to 30,000 |
Personal accident cover
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Double indemnity for death or disablement sustained on licensed public common carrier or during robbery |
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600,000
1,200,000 |
Compassionate death cash cover
• Compassionate visit
|
10,000
One economy class return airfare and actual hotel accommodation costs up to 30,000 |
Personal baggage |
15,000 |
Loss of money |
2,500 |
Credit card protection |
15,000 |
Loss of travel documents or tickets |
40,000 |
Loss of home contents due to burglary |
100,000
(per article, set or collection, 5,000 ) |
| Personal liability |
2,500,000 |
Travel delay/ re-routing
• Travel delay
• Extra hotel costs due to travel delay
• Extra re-routing cost due to travel delay |
2,000 (250 per 8 hours period)
1,000
12,500 |
Baggage delay/ emergency purchases |
1,000 |
Cancellation of trip |
30,000 |
Curtailment of trip |
30,000 |
MediExpress China medical card services 2 |
Admission over 100 appointed hospitals in China upon presentation of MediExpress China Medical Card |
| 2 It is applicable to annual travel insurance plan only. |
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Comprehensive coverage on medical cover and personal accident; 24-hour emergency assistance |
Medical cover
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Necessary medical treatment expenses incurred during the period of travel due to sickness or accidental injury, including out-patient treatment, surgery and hospitalization fees. |
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Follow-up medical treatment expenses incurred within three months after the return to Hon g Kong. |
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Daily cash allowance if you need to be hospitalized during the period of travel. |
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Compensation for additional hotel and return transportation expenses incurred due to convalescence as directed by a physician after the insured's discharge from hospital. |
24-hour global emergency assistance service
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Hospitalization arrangement and pre-payment of hospitalization deposit up to HK$39,000. |
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Transportation of medical personal and supplies by all types of suitable transportation. |
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Transportation of the insured to a suitable place or back to Hong Kong for treatment and medication. |
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Additional accommodation expenses incurred due to an incident requiring emergency evacuation to return you to Hong Kong . |
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Arrange and pay for one economy class return airfare for a relative or a friend of you to accompany you in the event of the insured suffering from serious illness or injury. |
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Arrange and pay for the cost of return to Hong Kong and accompanying unattended dependent child in the event of the insured suffering from serious illness or injury. |
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Transportation of mortal remains or ashes back to Hong Kong in the event of death. |
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24-hour hotline for medical enquires, doctors' referral, interpretation, legal services, customs information and quarantine regulations. |
Personal accident cover
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Cover accidental injury or death during the period of travel. In the event of disablement or death as a result of injury during robbery or on a licensed public common carrier (such as a tour bus), double indemnity3 will be paid. |
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Subject to the insurance cover of respective policies, any individual insured can enjoy up to a maximum limit of HK$5,000,000 terrorism cover per life in company and/ or related companies. |
3 It is not applicable to person aged below 17 years or over 65 years.
Compassionate death cash over
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In the unfortunate event of death of the insured person, HK$10,000 will be offered to express condolences. |
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In the unfortunate event of death of the insured person, indemnity for one economy class return airfare and actual hotel accommodation expenses necessarily insured by one immediate family member up to HK$30,000. |
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Loss of property protection |
| Personal baggage Cover the loss of or damage to baggage or personal belongings including golf equipment and lap-top computer due to an accident.
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Baggage or personal belongings:
Up to HK$2,500 per article, set or collection. |
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Golf equipment:
Up to HK$2,500 per article, set or collection and maximum HK$5,000 per insured journey. |
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Lap-top computer:
Up to HK$5,000. |
Loss of money Cover any accidental loss of cash, cheques and traveller's cheques during the period of travel.
Credit card protection In the event of accidental death of the insured person, we will pay up the unpaid credit card outstanding balance.
Loss of travel documents and tickets
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Covers expenses incurred in the replacement of travel documents, credit cards, or ticket lost due to an accident. |
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Hotel and travel expenses arising from replacement of stolen travel documents. |
Loss of home contents due to burglary
Cover the loss of or damage to home contents as a result of burglary whilst the home is unoccupied during the period of travel. |
Personal liability |
If you accidentally cause bodily injury to others or damage another person's property while you are traveling, Wing Hang Zurich Insurance will cover your liability of the compensation and litigation expenses that you are legally liable for due to such injury or damage. |
Travel inconvenience compensation |
| Travel delay & re-routing In the event of a strike, hijack, terrorism, adverse weather conditions, natural disaster or the mechanical / electrical breakdown of public common carrier which causes:
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Delay in departure for more than 8 hours, you will be compensated for the delay. |
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Delay for more than 8 hours (except at place of origin of journey), the incurred extra hotel expenses will be covered. |
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Cancellation of the planned public common carrier, the additional charges for alternative public transport to the original destination will be covered. |
Baggage delay/ Emergency purchases
Expenses for necessary personal clothing and other necessities if baggage is delayed for more than 8 hours after the insured's arrival at the destination.
Cancellation/ Curtailment of trip
Compensation will be paid for any unused and non-refundable travel fares and hotel charges which have been incurred in the event of the following:
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Death, serious injury or illness suffered by the insured or the insured's family members 4 or close business partners. |
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Accident such as fire or flood occurring at the insured's residence. |
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Riot or terrorism at the planned destination. |
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Insured's presence in court as a witness or juror being required (not applicable to curtailment of trip). |
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Hijack of public conveyance (not applicable to cancellation of trip). |
4 Family members includes: the insured's spouse, parents, parents-in-law, grandparents, children, grandchildren, sibling and fiance(e). |
MediExpress China medical card services 5 |
In the unfortunate event of accident or illness requiring hospitalization in China , the insured person presenting our valid MediExpress China Medical Card can be admitted to one of over 100 appointed hospitals only.
5 It is applicable to annual travel insurance plan only. |
保費表 Premium table |
短程保障計劃 For short-term travel plan |
日數 ( 天 )
Number of days
|
個人 ( 港幣 / 元 )
Individual (HK$)
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家庭 ( 港幣 / 元 )
Family (HK$)
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1 |
75 |
150 |
2 |
95 |
190 |
3 |
110 |
220 |
4 |
138 |
276 |
5 |
150 |
300 |
6 |
180 |
360 |
7 |
195 |
390 |
8 |
238 |
476 |
9 |
255 |
510 |
10 |
270 |
540 |
11 |
285 |
570 |
12 |
298 |
596 |
13 |
315 |
630 |
14 |
325 |
650 |
15 |
340 |
680 |
16 |
350 |
700 |
17 |
365 |
730 |
18 |
375 |
750 |
19 |
390 |
780 |
20 |
400 |
800 |
21 |
415 |
830 |
22 |
430 |
860 |
23 |
440 |
880 |
24 |
450 |
900 |
25 |
460 |
920 |
26 |
480 |
960 |
27 |
490 |
980 |
28 |
500 |
1000 |
29 |
515 |
1030 |
30 |
530 |
1060 |
31 |
540 |
1080 |
以後每星期
Additional 1 week
|
80 |
160 |
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| 全年保障計劃 For annual travel plan |
保費 ( 港幣 / 元 ) Premium (HK$) |
個人 Individual |
家庭 Family |
2,200 |
4,400 |
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7-day claims processing guaranteed |
Wing Hand Zurich Insurance will settle your claims within 7 working days, once we have received all the required documents. Simply follow this simple claims produce:
• Inform Wing Hang Zurich Insurance after the incident by phone, fax or mail as soon as possible.
• Complete and return the claim form along with all necessary documents to Wing Hang Zurich Insurance.
Notes:
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The family plan shall include you, your spouse and all your accompanying children aged below 17 years. Your spouse and each of your child receive the same benefit amount as yours except under Section 3 personal accident where each child will be entitled to receive maximum HK$300,000. |
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The maximum liability in aggregate for any one accident in family plan shall not exceed 300% of each section benefit. |
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Loss of money, property or travel documents must be reported to the police within 24 hours. |
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No compensation will be paid for the cancellation or curtailment of trips without verification by airlines, travel agents or other relevant organization. |
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The following cover is not applicable to trip commencing outside Hong Kong : Follow-up medical treatment within 3 months of returning to Hong Kong ; home contents protection; trip cancellation and itinerary change of accompanying family members. |
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Insured person above the age of 65 years or aged below 17 years are limited to 50% of the original sum insured for personal accident cover. |
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For annual travel, the acceptance age limit is up to 70 years and the maximum renewal age is up to 75 years. |
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For one way travel, cover is valid for a maximum of 7 days after arrival at the final destination. |
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The protection period can be up to 180 days for short-term travel policy and up to 90 days for annual travel policy for each trip. |
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No extension of period of insurance is allowed once the policy has been effected. |
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No refund of premium is allowed once the policy has been effected (For short-term policy only). |
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Double indemnity of coverage on death or disablement on any public common carrier or during robbery is not applicable to person aged below 17 years or over 65 years. |
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Coverage on loss of or damage to home contents as a result of burglary does not cover the first HK$3,000 of each and every claim. |
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Coverage on medical expenses does not cover the first HK$150 of each and every claim for the insured person aged over 80 years. |
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Coverage on golf equipment does not cover the first HK$250 of each and every claim. |
Major exclusions of this policy:
Any pre-existing illness or injury; any illness or injury caused by any war, violation of the law, professional sports; dental care and treatment (unless due to accidents), pregnancy, childbirth, suicide, self0inflicted injury, venereal disease, AIDS, any illness or injury caused by alcohol or drug abuse, or travel against the advice of a medical practitioner or for the purpose of obtaining medical treatment.
This leaflet is only a summary and does not constitute any part of the contract.
For full terms and conditions, please refer to the policy document itself. Wing Hang Zurich Insurance Company Limited reserves the right of final approval.
Underwriter of the plan:
Wing Hang Zurich Insurance Company Limited is the insurance underwriter of this plan and is solely responsible for the coverage and compensation. |
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Please fill in the form below for any enquiry. |
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