Travel Insurance

All-Round Satisfaction

There are so many things that can disrupt your travel plans. At RSA, we provide maximum protection for every eventuality: personal accident, medical expenses, loss of baggage and cash, flight delay, emergency purchases, as well as other special protection inclusive of Trauma Counselling, Mugging and Rental Vehicle Excess. Our 24-hour worldwide Assistance Service is also there to assist you in case of emergency or mishap.

Various Special Offers - Premium per trip as low as HK$87

Apart from the exciting benefits, we offer different kinds of special offers that you can enjoy our value-for-money insurance protections in various circumstances.

• Companion offer(applicable to Single Trip Plan)

  Number of People Travel Together	Discount
  2	5%
  3	10%
  4 or more	15%

• Free or Half-priced Children Cover(applicable to Single Trip Travel Plan)
  • When one parent travels with his/her children, one child is covered free and the rest of the children are covered at half-price
  • When both parents travel with their children, up to two children are covered free and the rest of the children are covered at half-price
• No Claim Discount for Annual Plans(applicable to Annual Plan / Annual Family Plan*)
  If there is no claim filed in one policy year, you will enjoy No Claim Discount at renewal :

  1 year	5%
  2 years	10%
  3 years	15%

  *Annual Family Plan covers unlimited the number of children in the family

		Limits (HK$)
Cover	Benefits	Plan I	Plan II
1. Personal Accident*#	Accidental Death / Loss of limbs or eyesight / Permanent Total Disablement Double Indemnity is provided for accidental death occurred to the insured person, while travelling on a public conveyance that is licensed to carry passengers (Not applicable to accident arising out of Terrorism) Major Burns: Cover for third degree burns with burn areas as (i) 2% or more of the total head surface area, or (ii) 10% or more of the total body surface area	500,000 1,000,000 250,000 (sub-limit)	1,000,000 2,000,000 500,000 (sub-limit)
2. Medical Expenses*	Medical and surgical fees, hospital charges and emergency dental treatment incurred as a result of sickness or accident during the journey, including the additional travel and accommodation expenses Follow-up medical expenses incurred within 3 months after returning to Hong Kong up to HK$50,000, including bone-setting and acupuncture treatment arising from accidental bodily injury up to HK$1,500 per policy and HK$150 per visit per day	500,000	800,000
3. Hospital Cash*	Pays for each day the insured person is hospitalized overseas	2,500 (250/day)	5,000 (500/day)
4. Trauma Couselling	Reimburse the cost of Trauma Counselling incurred if the insured person suffers from an acute mental trauma after witnessing, or being subject to a sudden unexpected event as robbery or burglary, threat, personal assault, serious bodily injury, fire, explosion, traffic accident, natural disaster, hijacking or terror attack	15,000 (max 1,500/visit)	15,000 (max 1,500/visit)
5. Mugging	Pays for each day the insured person suffers from bodily injury and hospitalized as the result of a mugging attack during the journey	5,000 (500/day)	5,000 (500/day)
6. Worldwide Medical Evacuation OR Repatriation	Emergency transfer of an injured or sick person to an adequately equipped hospital Repatriation to home after local treatment by any means of transport and with medical supervision and medical facility as appropriate Return to home economy air ticket in the event of sudden death of your close relative Escort unattended children back home plus reasonable travel expenses incurred inclusive of economy air ticket and accommodation Round trip economy ticket and hotel accommodation (HK$1,200 per night for a maximum of 5 nights) for a relative to visit an Insured Person hospitalised for more than 7 consecutive days	Unlimited	Unlimited
7. Repatriation of Mortal Remains or Local Burial Expenses	All expenses incurred in transporting the body or ashes home or payment of local burial expenses incurred where death took place (excluding the cost of coffin)	Unlimited	Unlimited
8. Loss of Baggage, Travel Documents and Cash#	Accidental loss of or damage to baggage Cost of replacing lost travel documents, identification and credit cards, including the additional accommodation and transportation costs incurred as a result Loss of cash, banknotes and travellers cheques arising from theft or robbery during the journey	15,000 (2,000/article) 5,000 2,000	30,000 (2,000/article) 10,000 2,000
9. Emergency Purchases	Emergency purchases of essential clothing, toiletries, etc. if baggage is delayed or misplaced by the carrier for more than 10 hours If the baggage proves to be permanently lost, any amount paid under this cover is deducted from the amount payable under Loss of Baggage cover above	1,000	1,500
10. Cancellation	In the event of -  strike, industrial action, adverse weather and natural disaster -  death or sickness of the insured person, close relatives, business associates or travelling companions -  jury or witness services of an insured person or travelling companion -  fire, explosion or earthquake at home -  issuance of Black Alert under the OTA System for the planned destination within 7 days before departure resulting in loss of advance payments in transportation, tour charges or hotel accommodation	10,000	20,000
11. Curtailment	In the event of -  strike, industrial action, adverse weather and natural disaster -  mechanical breakdown of the transporting carrier for at least 24 hours -  hijacking -  death or sickness of the insured person, close relatives, business associates or travelling companions -  fire, explosion or earthquake at home -  issuance of Black Alert under the OTA System for the planned destination during the journey resulting in loss of unused portion of advance payments in transportation, tour charges or hotel accommodation as well as the reasonable additional transportation and accommodation expenses incurred	10,000	20,000
12. Travel Delay# or Re-routing Expenses	a) As a result of delay to the plane or ship by more than 8 hours due to strike, industrial action, adverse weather, natural disaster or mechanical breakdown of such carrier, HK$250 will be paid for each full 8 hours delay OR	2,500	2,500
	b) If re-routing is necessary as a result of the above incidents, additional accommodation and transportation expenses incurred will be reimbursed, provided that no compensation is received from the carrier or any third party	5,000	10,000
13. Rental Vehicle Excess	Reimburse the excess amount borne by the insured person for the loss of or damage to the rented vehicle	5,000	5,000
14. Personal Liability	Against legal liability to third parties for accidental bodily injury and accidental loss of or damage to property, but excluding liabilities arising out of use of vehicles & watercraft, horse-riding and liability to family members or employees	1,000,000	2,000,000

Remarks:

*	Cover for adults above the age of 70 is subject to the following limits:
	Cover 1	- 50% of the stated limit, double indemnity is not applicable
	Cover 2	- 50% of the stated limit
	Cover 3	- 25% of the stated limit
#	Cover for children below the age of 16 is subject to the following limits:
	Cover 1	- 50% of the stated limit, double indemnity is not applicable
		- HK$50,000 for Major Burns as sub-limit under Personal Accident
	Cover 8	- No cash cover
	Cover 12	- HK$1,000 subject to HK$100 per 8 hrs

General Conditions:

1. This Policy is not applicable to PRC citizens traveling within the territory of Mainland China
2. Age Limit: up to 75 years old
3. Children aged under 16 must be accompanied by an adult
4. Single Trip Policy
• Maximum duration of each trip at 180 days
• Companion Discount cannot be used in conjunction with other promotional offer
• Free or half-priced children cover is applicable to children aged below 16 and traveling together with their parent(s)
• One Way Travel is valid for a maximum of 7 days after arrival at the final destination or until the expiry date of your policy, whichever is the earlier
• No premium refund for Single Trip Policy
5. Annual Policy
• Annual Policy is not applicable to emigrants and residents outside Hong Kong
• Insured staying in Hong Kong less than 180 days in a year will be subject to special underwriting
• Unlimited number of trips per year, maximum duration of each trip at 90 days
6. Annual Family Policy covers for children aged below 16 and travelling together with their parent(s)

Extra Benefits:

1. 24-hour Worldwide Assistance Service.
• Advance or guarantee for hospital admission deposit up to HK$40,000
• Travel information
• Monitoring of medical condition and update of status to family members
• Medical advice, evaluation and referral appointment
• Arrange essential medication and medical equipment
• Legal referral and advance bail bond of up to HK$40,000
• Arrangement of interpreters and child escort
• Luggage retrieval
• Emergency re-routing arrangement


2. Automatic Extension of Cover
• Automatic free-of-charge extension of cover for any delay of journey beyond control, for a period equivalent to the period of delay with a maximum of 10 days

Major Exclusions:

• War, HIV/AIDS, self-inflicted injuries, influence by alcohol, pre-existing or congenital health conditions, non-prescription drugs, pregnancy, professional sports, racing, psychological disturbance, losses not reported to the police or the carrier within 24 hours for baggage and cash, electronic data related losses, dangerous assignments or manual work, flying except as an aircraft passenger, asbestos and terrorism (applicable to Cover item 14).
• SARS exclusion will be limited to countries or cities that World Health Organization (WHO) has imposed with travel warning.

Premium Table:

Premium per person (HK$)	Plan I	Plan II
1 day	102	125
2 days	115	156
3 days	128	187
4 days	141	206
5 days	154	225
6 days	167	244
7 days	180	263
8 days	193	282
9 days	205	300
10 days	217	318
11 days	229	336
12 days	241	354
13 days	253	372
14 days	264	389
15 days	275	406
16 days	286	423
17 days	297	440
18 days	308	457
19 days	318	473
20 days	328	489
21 days	338	505
22 days	348	521
23 days	358	537
24 days	367	552
25 days	376	567
26 days	385	582
27 days	394	597
28 days	403	612
29 days	411	626
30 days	419	640
Additional premium per day after 30 days	12	16
Annual premium	1,600	2,400
Annual Family Plan premium	3,200	4,800

Note: The above information serves as a general guideline only. Please refer to the exclusions, terms and conditions of the Policy for details of cover.

Your Trustworthy Insurance Partner

With an almost 300 year heritage, RSA is one of the world's leading multinational quoted insurance groups. It has the capability to write business in over 130 countries and with major operations in the UK, Scandinavia, Canada, Ireland, Asia and the Middle East and Latin America.

A wholly-owned subsidiary of the RSA Group and traded in the name of Royal & Sun Alliance Insurance plc, we have run insurance business in Hong Kong for more than 30 years. We offer a comprehensive range of customised and packaged commercial and personal insurance products and services. Apart from enjoying the security provided by one of the world's leading insurers, you can trust our efficient and fair claims service and quality customer care.

At RSA, we are committed to providing our customers with convenient, appropriate and secure insurance solutions and consistently fulfilling what we promise. We are "The professional insurer you can always rely on".

For enquiries, please contact your agent / broker or us:
Royal & Sun Alliance Insurance plc
32/F, Dorset House, Taikoo Place, 979 King's Road,
Quarry Bay, Hong Kong
Tel: 2968 1636 Fax: 2917 6266
E-mail: hk_personal_insurance@hk.rsagroup.com