1.
Medical Expenses |
1,200,000
|
- |
Medical expenses, hospitalization
charges, emergency transportation to a registered medical
institution, additional accommodation and transportation
expenses necessarily incurred outside Hong Kong as a result
of accidental bodily injury or sickness occuring during
the period of insurance |
- |
A hospital cash benefit
if necessarily confined in a hospital abroad due to accident
or sickness for more than 24 hours during the trip |
- |
Follow-up medical expenses
necessarily incurred within 3 months after return to Hong
Kong (inclusive expenses of bonesetting treatment HK$150
per day and HK$1,500 per person) |
- |
Additional accommodation
and transportation expenses of a relative or friend who
is required on medical advice to travel or remain behind
with you |
(For Insured Person aged 71 or above, the maximum limit of this section is HK$600,000.) |
|
10,000 (200/day)
50,000
20,000
|
2. Personal
Accident |
|
- |
100% benefit
for accidental death / permanent total disablement from
any occupation / loss of one or more limbs or one or both
eyes |
- |
Extend to cover loss
of speech and hearing, as well as permanent disablement.
Benefit will be payable in accordance with the percentage
specified in the Scale of Benefits.
(For Insured Person aged 71 or above, or those aged
17 or below, the coverage is limited to 50% of the benefit.) |
- |
Benefit
for accidental Third Degree Burns
(For Insured Person aged 71 or above, or those aged
17 or below, the coverage is limited to 50% of the benefit.) |
- |
Indemnity for burial
or cremation expenses in case of accidental death |
|
1,200,000
500,000
20,000
|
3.
24 Hours Emergency Assistance Services |
Unlimited
(Only for Medical evacuation & Repatriation)
|
- |
Should you need assistance
in course of travel / trip, you can contact IPA Alarm
Centre for emergency assistance : |
- Medical evacuation (Unlimited Cover)
- Repatriation to Hong Kong (Unlimited Cover)
- Repatriation of mortal remains/ashes (Unlimited Cover)
- Arrangement of medical equipment / medication
- Dispatch of physician
- Travel and medical information, legal and interpreter
referral
- Hospital deposit guarantee, up to HK$39,000
|
4.
Baggage and Personal Effects |
20,000
|
- |
Accidental loss of or
damage to your baggage or personal effects |
- |
Compensation will be
on a "new for old" basis if the item is less than 2-year-old |
|
(3,000/item/pair/set)
|
5.
Personal Money / Unauthorized Use of Credit Card |
|
- |
Protection against accidental
loss of money, traveller's cheque and travel tickets.
We also pay for the cost of obtaining replacement passports
and other travel documents |
- |
Loss due to unauthorized
use of credit card |
|
3,000
3,000
|
6.
Cancellation |
30,000
|
- |
Reimbursement for irrecoverable
prepaid deposits for tour group fee, air ticket fee or
hotel room charges if the trip is necessarily and unavoidably
cancelled (Cancellation is still covered if it is caused
directly by the first issuance* of a Black Outbound Travel
Alert after your insurance cover has taken effect in respect
of your planned destination by the Security Bureau of
Hong Kong.) |
|
|
7.
Curtailment |
50,000
|
- |
Reimbursement for prepaid
and unused section of your trip if you have to curtail
your trip due to reasons beyond your control or due to
the first issuance* of a Black Outbound Travel Alert in
respect of your planned destination by the Security Bureau
of Hong Kong during the trip. |
- |
Additional accommodation
expenses necessarily incurred to obtain lost travel document
arising from robbery, burglary or theft |
- |
Additional accommodation
and transportation expenses to Hong Kong necessarily and
unavoidably incurred as a result of death, injury or illness
of your close relatives in Hong Kong; or as a result of
hi-jack or riot which first occurs during the trip; or
as a result of the first issuance* of a Black Outbound
Travel Alert during the trip in respect of your planned
destination by the Security Bureau of Hong Kong. |
|
|
8.
Re-Routing |
20,000
|
- |
Reimbursement for irrecoverable
deposits or charges paid in the event of cancellation
/ curtailment of the trip as a result of travel delay,
or |
- |
Additional accommodation
and transportation expenses necessarily incurred as a
direct consequence of travel delay due to strike, industrial
action, hi-jack, adverse weather conditions, earthquake,
tsunami, volcanic eruption, mechanical or structural defect,
closure of airport, port or train station for more than
8 hours if you have to re-route your trip |
|
|
9.
Travel Delay# |
1,800
|
- |
If your aircraft, train
or sea vessel is delayed due to strike, industrial action,
hi-jack, adverse weather conditions, earthquake, tsunami,
volcanic eruption, mechanical or structural defect, closure
of airport, port or train station for more than 5 hours
and you choose not to cancel/ curtail/ re-route your trip,
we will pay you HK$200 for the first full 5 hours delay
and HK$400 for each subsequent 8 hours. |
- |
If you are unavoidably
delayed in the course of your scheduled itinerary(including
any delays caused by the issuance of any Outbound Travel
Alert(s) during the trip in respect of your planned destination
by the Security Bureau of Hong Kong), this insurance cover
will be automatically extended for a maximum period of
10 days. |
# Provided that no claims payment has been made under 8. Re-Routing.
|
|
10.
Delayed Baggage |
1,500
|
- |
Compensation for essential
items such as clothing or toiletries in the event of delayed
baggage for more than 8 hours from time of arrival at
destination abroad due to mishandling by airline or hi-jack |
|
|
11.
Personal Liability |
1,500,000
|
- |
Indemnity for legal liability
for bodily injury or property damage to a third party
as a result of your negligence |
|
|
12.
Rental Vehicle Excess |
5,000
|
- |
If you rent a vehicle
in a journey, for which you have arranged the motor policy,
and the vehicle is involved in a collision whilst under
your control or it is stolen or damaged during parking,
we will indemnify the excess which you are liable under
the policy. |
|
|
13.
China Medical Card Service (For Annual Cover Only) |
Full admission deposit guarantee
|
- |
Upon presentation of
MedPass China Medical Card, you can enjoy hospital admission
deposit guarantee to designated hospitals** for in-patient
whilst travelling in Mainland China. |
|
|
|
* 'First issuance' means the alert firstly issued in respect of a specific event or incident ever since the Outbound Travel Alert system existed.
** The designated hospital list will be updated from time to time, please refer to www.prudential.com.hk/travel-hospitallist.pdf for details.
Scale of Benefits of Personal Accident Section
In the event of an accident causing
|
Percentage of Maximum Benefits
|
A. Death |
100%
|
B. Permanent Disablement |
|
1. Permanent Total Disablement from any occupation |
100%
|
2. Loss of one or more limbs |
100%
|
3. Loss of one or both eyes |
100%
|
4. Loss of speech and hearing |
100%
|
5. Permanent and incurable insanity |
100%
|
6. Total and permanent loss of use of:
|
(a) |
thumb and four fingers of one hand |
|
(b) |
four fingers of one hand |
|
(c) |
thumb (both phalanges) |
|
(d) |
thumb (one phalanx) |
|
(e) |
any other fingers (three phalanges) |
|
(f) |
any other fingers (two phalanges) |
|
(g) |
any other fingers (one phalanx) |
|
(h) |
all toes of one foot |
|
(i) |
great toe (both phalanges) |
|
(j) |
great toe (one phalanx) |
|
(k) |
any other toe |
|
70%
40%
30%
15%
15%
10%
7.5%
20%
7.5%
5%
3%
|
This product is underwritten by Prudential General Insurance Hong Kong Limited ("PGHK"). The above content is owned by PGHK.
|