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1. Single-trip Cover or Annual Cover - 20% Premium Discount
2. Multi-trip Cover - Up to 30% Original Premium of Single-trip Cover per trip

SmartClub members can earn 1 SmartPoint for every HK$1 net premium
1,000 points = HK$50 reward or Asia Miles200

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Schedule of Benefits

Cover Type Single-trip Cover Single-trip Cover
Multi-trip Cover
Annual Cover
Plan Level Premier Plan Select Plan Cruise Plan
Benefit Item Maximum Benefit Limit per Insured Person per Journey (HK$)
1. Medical Expenses
Benefit1
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$1,200,000 $600,000 $1,200,000
1.1 Medical Expenses during the Journey
$1,200,000 $600,000 $1,200,000
Reimburse the expenses of medical treatment, surgery and hospitalisation arising from sickness contracted or accidental injury sustained outside of the place of origin2 during the journey.
- Chinese Medical Treatment, Physiotherapy Treatment3 and Chiropractic Treatment3 Expenses
$3,000 $3,000 $3,000
Chinese Medical Treatment, includes general practice, bone-setting and acupuncture.
▪ Chinese Medical Treatment (Max. 1 visit per day, limit per visit)
$200 $200 $200
▪ Physiotherapy Treatment3 (Max. 1 visit per day, limit per visit)
$400 $400 $400
▪ Chiropractic Treatment3 (Max. 1 visit per day, limit per visit)
$400 $400 $400
- Room & Board (per day)
$3,000 $3,000 $3,000
1.2 Follow-up Medical Expenses in Hong Kong
$120,000 $60,000 $120,000
Reimburse medical expenses incurred within 90 days after returning to Hong Kong if the insured person has sought medical treatment abroad.
- Chinese Medical, Physiotherapy3 or Chiropractor Treatment3 Expenses
$3,000 $3,000 $3,000
Chinese Medical Treatment includes general practice, bone-setting and acupuncture.
▪ Chinese Medical Treatment (Max. 1 visit per day, limit per visit)
$200 $200 $200
▪ Physiotherapy Treatment3 (Max. 1 visit per day, limit per visit)
$400 $400 $400
▪ Chiropractic Treatment3 (Max. 1 visit per day, limit per visit)
$400 $400 $400
1.3 Trauma Counselling
$20,000 $20,000 $20,000
Reimburse medical expenses for receiving counselling services during the journey and/or within 90 days after returning to Hong Kong upon the diagnosis of post-traumatic stress disorder.
- Max. 1 visit per day, limit per visit
$2,000 $2,000 $2,000
2. Personal Accident
Benefit7
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$1,200,000 $600,000 $1,200,000
Payable according to the Table of Personal Accident Benefit in the event of death or permanent disablement of the insured person due to an accident.
3. Trip Cancellation Benefit more_btn
$50,000 $15,000 $80,000
Reimburse the loss of unused and irrecoverable expenses of travel ticket, accommodation, tour package or admission ticket to travel events (e.g. theme park, museum, concert, musical or sport-related ornamental performance event) upon cancellation of the journey prior to departure from the place of origin2 as a direct result of the occurrence of any of the following events:

a. within 90 days prior to the scheduled date of departure of the journey:
  • death, serious bodily injury or serious sickness of the insured person, immediate family member6, close business partner, foreign domestic helper or travel companion; or
  • duty of the insured person to comply with a witness summons, jury service or compulsory quarantine of the insured person; or​​​

b. within 7 days prior to the scheduled date of departure of the journey:
  • adverse weather condition, natural disaster, infectious disease, unanticipated outbreak of industrial action involving the arranged public conveyance, closure of airport, act of terrorist, riot or civil commotion at the planned destination, which prevents the insured person from commencing the journey; or
  • severe damage to the insured person's or travel companion's principal home in Hong Kong directly arising from fire, flood, burglary or natural disaster; or​​​
  • death of the insured person's pet8; or​
  • the Outbound Travel Alert for the destination is in effect (payable according to Outbound Travel Alert Extension).​

c. (i) the insured person who is below the age of 18 or (ii) the insured person who is a parent or legal guardian and a travel companion of an insured person who is below the age of 18 has to attend a school interview or public examination in person being rescheduled to a date falling within the scheduled period of the journey.​
4. Baggage Benefit more_btn
$20,000 $10,000 $20,000
Payable for the accidental loss of or damage to (i) the personal property which is normally worn or carried by and owned by the insured person during the journey; or (ii) the company's property which is normally carried by the insured person on a business trip.
Only one mobile phone will be covered for each insured person in the same journey.
Only one laptop computer or one tablet computer will be covered for each insured person in the same journey.
- Sports equipment (per article/per pair/per set)
$5,000 $3,000 $5,000
- Mobile phone(per journey)
$3,000 $1,000 $3,000
- Laptop computer or tablet computer (per journey)
$6,000 $4,000 $6,000
- Business sample - Annual Cover only (per journey)​
$3,000 $2,000 --
- Other baggage and personal property (per article/per pair/per set)
$3,000 $2,000 $3,000
5. Overseas Hospital or Quarantine Cash Allowance Benefit more_btn
✔ ✔ ✔
5.1 Overseas Hospital Cash
Allowance4
$12,000 $5,000 $12,000
Payable if the insured person is confined in hospital as an inpatient outside of the place of origin2 for each complete day due to injury or sickness.
- limit per day
$500 $500 $500
5.2 Compulsory Quarantine Cash
Allowance4
$10,000 $10,000 $10,000
Payable if the insured person is being compulsorily quarantined for each complete day due to an infectious disease suspected of suffering from or infected during the journey or within 7 days after returning to Hong Kong.
- limit per day
500 $500 $500
6. 24-hour Worldwide Emergency Aid more_btn
✔ ✔ ✔
6.1 Emergency
Evacuation5
Unlimited Unlimited Unlimited
Arrange the emergency evacuation of the insured person to the nearest medical facility that is capable of providing immediate medical treatment.
6.2 Repatriation to the Place of
Origin2,5
Unlimited Unlimited Unlimited
Cover the cost for repatriation of the insured person to the place of origin2 at physician's and Blue Cross's recommendation.
6.3 Hospital Admission Deposit
Guarantee5
$40,000 $40,000 $40,000
Guarantee the required admission deposit to hospital on behalf of the insured person.
6.4 Additional Costs of Travel and Accommodation (including Caring Visit)
$50,000 $20,000 $50,000
  • Reimburse additional costs of public conveyance in economy class for returning to the place of origin2 and additional accommodation cost incurred outside of the place of origin2 due to serious bodily injury or serious sickness.
  • Reimburse additional costs of public conveyance in economy class and accommodation expenses incurred outside of the place of origin2 by the following persons if the insured person is hospitalised for more than 3 consecutive days or has passed away abroad:
    • a. 2 immediate family members6 to join and take care of the insured person; or
    • b. 1 immediate family member6 to join and take care of the insured person and 1 travel companion to stay behind to take care of the insured person.
6.5 Return of Unattended Dependent Children
$40,000 $20,000 $40,000
Reimburse additional accommodation and public conveyance expenses for returning unattended insured child (under the age of 18) to the place of origin2.
6.6 Repatriation of Mortal
Remains5
Unlimited Unlimited Unlimited
Reimburse transportation charges for the repatriation of mortal remains (including ashes or body) of the insured person to the place of origin2.
6.7 Compassionate Payment on Death
$20,000 $10,000 $20,000
Payable to the named beneficiary or the legal personal representative of the insured person's estate in the event of death of the insured person during the journey due to serious bodily injury or serious sickness.
6.8 Referral Services
✔ ✔ ✔
Referral services for legal assistance, interpreter and replacement of lost travel document or travel ticket.
7. Major Burns Benefit more_btn
$600,000 $300,000 $600,000
Payable if the insured person suffers from third-degree burns directly arising from an accident during the journey.
8. Trip Interruption Benefit more_btn
$50,000 $30,000 $80,000
8.1 Trip
Curtailment9,10
$50,000 $30,000 $80,000
Reimburse (i) the loss of unused and irrecoverable expenses of travel ticket, accommodation, tour package or admission ticket to travel events (e.g. theme park, museum, concert, musical or sport-related ornamental performance event) for each complete day of the journey which is interrupted on pro-rata basis and (ii) additional public conveyance expenses incurred solely for returning to the place of origin2 if any of the following events occurs during the journey and the insured person is inevitably required to return to the place of origin2:​​​
  • death, serious bodily injury or serious sickness of the insured person, immediate family member6, close business partner, foreign domestic helper or travel companion; or​
  • hijack of public conveyance or any mechanically propelled vehicles and vessels arranged by a travel agency in which the insured person is travelling as a fare-paying passenger; or
  • hijack of public conveyance or any mechanically propelled vehicles and vessels arranged by a travel agency in which the insured person is travelling as a fare-paying passenger; or
  • severe damage to the insured person's or travel companion's principal home in Hong Kong directly arising from fire, flood, burglary or natural disaster; or
  • death of the insured person's pet8; or
  • the Outbound Travel Alert for the destination is in effect during the journey (payable according to Outbound Travel Alert Extension).
8.2 Re-routing9,10
$25,000 $15,000 $25,000
Reimburse (i) additional public conveyance and/or accommodation expenses incurred solely for continuing the journey or returning to the place of origin2; or (ii) the loss of unused and irrecoverable expenses of travel ticket, accommodation, tour package or admission ticket to travel events (e.g. theme park, museum, concert, musical or sport-related ornamental performance event) for each complete day of the journey which is re-routed on pro-rata basis, if any of the following events occurs during the journey which prevents the insured person from continuing the original itinerary after the journey has begun:​​​
  • adverse weather condition, natural disaster, infectious disease, unanticipated outbreak of industrial action involving the arranged public conveyance, closure of airport, act of terrorist, riot or civil commotion, serious bodily injury or serious sickness of the insured person or travel companion at the planned destination which prevents the insured person from continuing the original itinerary; or​
  • the Outbound Travel Alert for the destination is in effect during the journey (payable according to Outbound Travel Alert Extension).
- Additional accommodation expenses (per day)
$2,000 $2,000 $2,000
8.3 Cancellation of Local
Tour10
$5,000 $2,500 $5,000
Reimburse the irrecoverable prepaid expenses of local tour (including any travel tickets and admission tickets to the tourist spots that needs to be separately purchased from the local tour operator for the sole purpose of joining such local tour) upon cancellation of local tour as a direct result of any of the following events occurs before the commencement of such local tour:​​
  • closure of the local tour operator due to bankruptcy or winding-up11; or​
  • closure of the tourist spot specified in the itinerary provided by local tour operator due to unpredictable serious destruction11.​​
8.4 Overbooking10
$10,000 $2,500 $10,000
Reimburse the additional accommodation and/or meal expenses incurred outside of the place of origin2 which are not provided, compensated or subsidised by the relevant public conveyance provider or other sources if the insured person fails to board the public conveyance during the journey due to overbooking.
8.5 Special Allowance – Closure of Designated Service
Providers10
$2,000 $2,000 $2,000
Cover the additional expenses of accommodation, private car or motorhome rental services incurred by the insured person outside of the place of origin2 for purchasing the same services from an alternative designated service provider in the event of the closure of original designated service provider due to bankruptcy or winding-up.
9. Travel Delay Benefit more_btn
✔ ✔ ✔
Cover one of the following benefits in the event of delay of the arranged public conveyance due to adverse weather condition, natural disaster, unanticipated outbreak of industrial action involving the arranged public conveyance, riot or civil commotion, act of terrorist, closure of airport, hijack or mechanical breakdown of the arranged public conveyance.
8.1 Travel Delay - Cash
Allowance12
$1,500 $900 $1,500
If delay at least 5 consecutive hours either from the scheduled time of departure or arrival of the arranged public conveyance, cash allowance is payable.
- limit for each period of 5 consecutive hours of delay
$300 $300 $300
8.2 Loss of Travel Expenses due to Travel
Delay12
✔ ✔ ✔
If delay at least 6 consecutive hours from the scheduled time of departure of the arranged public conveyance:
  • reimburse the additional public conveyance expenses incurred solely for travelling to the original planned destination.
  • reimburse (i) the additional accommodation expenses or (ii) the irrecoverable loss of accommodation expenses.​
a. Public conveyance expenses for delayed departure; and
$10,000 $2,500 $10,000
b. Overseas accommodation cost
$3,000 $2,000 $3,000
9.3 Cancellation of Journey due to Travel
Delay12
$3,000 $3,000 $3,000
If delay at least 10 consecutive hours from the scheduled time of departure of the arranged public conveyance from the place of origin2 directly resulting in the insured person's failure to proceed with the journey or cancellation of the journey, reimburse the loss of unused and irrecoverable expenses of travel ticket, accommodation, tour package or admission ticket to travel events (e.g. theme park, museum, concert, musical or sport-related ornamental performance event).
10. Baggage Delay Benefit more_btn
$1,000 $500 $1,000
Payable if the checked-in baggage is delayed for at least 6 hours after the insured person's arrival at a destination outside of the place of origin2 due to misdirection or delivery delay by the public conveyance provider.
11. Loss of Travel Documents Benefit more_btn
$30,000 $10,000 $30,000
Reimburse (i) the replacement cost of travel documents and/or travel ticket and/or (ii) additional public conveyance and accommodation expenses incurred outside of the place of origin2 for the sole purpose of obtaining a replacement travel document and/or travel ticket in the event of accidental loss of travel document and/or travel ticket during the journey.
- Additional public conveyance and accommodation expenses (per day)​
$2,000 $1,000 $2,000
12. Personal Money
Benefit13
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$3,000 $2,000 $3,000
Reimburse the loss of personal money (include banknotes, cash or traveller cheques) which is owned and carried by the insured person due to theft, robbery or burglary during the journey.
13. Loss of Home Contents Benefit more_btn
$30,000 $5,000 $30,000
Reimburse the replacement or repair cost of household contents and personal effects (excluding money) as a direct result of burglary occurred at the insured person's unoccupied home in Hong Kong during the journey.
- per article/per pair/per set
$5,000 $2,000 $5,000
14. Personal Liability Benefit more_btn
$3,000,000 $3,000,000 $3,000,000
Cover the insured person against the legal liability to the third party's accidental bodily injury or accidental property damage due to the insured person's negligence.
15. Credit Card Protection Benefit more_btn
$30,000 $15,000 $30,000
In the event of accidental death of the insured person during the journey, reimburse the outstanding amount charged to the insured person's credit cards for the goods purchased by the insured person during the journey.
16. Golfer Benefit more_btn
$5,000 $3,000 $5,000
16.1 Hole in One Benefit
$3,000 $1,000 $3,000
Reimburse the bar expense for the celebration and on account of "hole-in-one" (on a one-off basis) on the same day at the same golf course where the insured person hits a "hole-in-one in a competition of friendly game at any recognised golf course outside to the place of origin2 during the journey.
16.2 Prepaid Booking for Golf Course or Tuition
$5,000 $3,000 $5,000
Reimburse the irrecoverable and unused portion of prepaid booking fees of golf course and/or golf tuition fees for each complete day on a pro-rata basis if the insured person is unable to engage in any golf activities outside of the place of origin2 during the journey due to serious bodily injury or serious sickness.
17. Rental Vehicle Excess Protection Benefit more_btn
$10,000 $5,000 $10,000
Reimburse the rental vehicle insurance excess or deductible and/or non-operation charge(NOC) charged by the licensed vehicle rental company due to car accident, parking damage or theft of a rental vehicle during the journey.
18. Cruise Cancellation and Interruption
Benefit15,16
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-- -- $50,000
Reimburse one of the following benefits if travelling to the port of departure by public conveyance is delayed for at least 8 consecutive hours in the event of adverse weather conditions, natural disasters, unanticipated outbreak of industrial action involving the arranged public conveyance, act of terrorist, riot or civil commotion, hijack or mechanical breakdown of the arranged public conveyance during the journey, and as a result the insured person failed to board the cruise ship:

18.1 Cruise Cancellation
Irrecoverable and forfeited deposits or any payment made in advance for the cruise tour; or

18.2 Cruise Interruption
Additional public conveyance expenses incurred for travelling from the port of departure to the next scheduled port of call to catch up with the cruise tour.​
19. Post-Departure Cruise Benefit more_btn
-- -- ✔
19.1 Shore Excursion Cancellation
-- -- $10,000
Reimburse the irrecoverable and forfeited deposits or any payment made in advance for shore excursion tour (except if the shore excursion tour commences at the scheduled port of disembarkation) in the event of:
  • serious bodily injury or serious sickness of the insured person or his/her travel companion; or​
  • adverse weather conditions, natural disaster, infectious disease, unanticipated outbreak of industrial action, act of terrorist, riot or civil commotion at the scheduled destination of the shore excursion tour.
19.2 Satellite Phone Expenses
-- -- $3,000
Reimburse the satellite phone call expenses incurred on the cruise ship if the insured person must return directly to Hong Kong due to serious bodily injury or serious sickness of the insured person or travel companion during the journey which prevents the insured person from continuing the journey.
Other Benefit more_btn
China Medical Card – Annual Cover only
✔ ✔ ✔

Notes:

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1 For an insured person aged above 70, the maximum amount of benefit payable Medical Expenses Benefit shall be 50% of the benefit limit applicable to Medical Expenses Benefit stated in the Schedule of Benefits.
2 Place of origin means Hong Kong, unless otherwise agreed by Blue Cross in writing solely for Annual Cover.
3 Referral letter issued by physician is required for physiotherapy and chiropractic treatment.
4 A claim can only be made once under either Overseas Hospital Cash Allowance or Compulsory Quarantine Cash Allowance in respect of the same cause.
5 Prior approval from Blue Cross is required before any assistance is provided or hospital admission deposit is guaranteed. The insured person or his/her representative should call the “24-hour Worldwide Emergency Aid” hotline to provide the insurance certificate number (applicable to Single-trip Cover and each of the trips under Multi-trip Cover) or the policy number (applicable to Annual Cover), the name and HKID card or passport number of the insured person, and the nature and the location of the emergency for validation.
6 Immediate family member means a person’s spouse/domestic partner, children, parents, brothers or sisters, grandparents, grandchildren, legal guardian or parents-in-law. Spouse means the same sex or opposite sex spouse legally married according to the law of the jurisdiction in which the spouse is married. Domestic partner means an adult, whether of the same or opposite sex, aged 18 or above who has resided with the insured person in an intimate and committed relationship for at least three years prior to (a) the issue date of the certificate of insurance (for Single-trip Cover and each of the trips under Multi-trip Cover) or, (b) (i) the issue date of the policy or (ii) the date when any travel arrangement for the journey is confirmed by or for the benefit of insured person, whichever is later (for Annual Cover); and is able to provide such proof of residence (upon Blue Cross's request). Domestic partner does not include roommates.
7 For an insured person aged below 18 or above 70, the maximum amount of benefit payable under Personal Accident Benefit shall be 50% of the maximum limit applicable to Personal Accident Benefit as set out in the Schedule of Benefits.
8 Pet means a dog or cat which is owned by the insured person or any person residing with the insured person and is named as an insured pet in the policy schedule or the subsequent endorsement of the designated pet insurance policy at the time of its death. A designated pet insurance means a pet policy issued by Blue Cross that must remain in-force before and on (a) the issue date of the certificate of insurance (for Single-trip Cover and each of the trips under Multi-trip Cover) or, (b) (i) the issue date of the policy or (ii) the date when any travel arrangement for the journey is confirmed by or for the benefit of insured p9 Only one claim can be made under either Trip Curtailment Benefit or Re-routing Benefit in respect of the same cause.
9 Only one claim can be made under either Trip Curtailment Benefit or Re-routing Benefit in respect of the same cause.
10 The total benefit payable under Trip Curtailment, Re-routing, Cancellation of Local Tour, Overbooking and Special Allowance – Closure of Designated Service Providers shall not exceed 100% of the maximum limit payable for Trip Interruption Benefit for the same journey.
11 Cancellation of Local Tour is payable only if the relevant event takes place at least 24 hours after the payment is made for such local tour.
12 If the arranged public conveyance for commencing the journey is cancelled or delayed due to mechanical breakdown and the provider of such arranged public conveyance is unable to provide an alternative transportation, the insured person can only claim either the Travel Delay - Cash Allowance Benefit or the Cancellation of Journey due to Travel Delay Benefit once under Travel Delay Benefit. No Loss of Travel Expenses due to Travel Delay Benefit shall be payable in such circumstances.
13 Personal Money Benefit is not applicable to the insured person aged below 10.
14 A burglary must be reported to the police of Hong Kong within 24 hours after (i) the insured person becomes aware of such incidence of burglary or (ii) the insured person being returned from the journey to his principal home in Hong Kong, whichever is earlier.
15 Should a loss arise for which a claim under Cruise Cancellation and Interruption Benefit is payable, no further claims shall be payable under Trip Cancellation Benefit and Trip Interruption Benefit in respect of the same loss.
16 Should a loss arise for which a claim under Cruise Cancellation and Interruption Benefit is payable, no further claims shall be payable under Travel Delay Benefit.

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Table of Personal Accident Benefit


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Outbound Travel Alert Extension


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Premium Discount (Annual Cover only)


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Major Exclusions

Notes:
1. The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions.
2. Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
3. The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.
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