Product Features
With its comprehensive cover, TravelCare Insurance Plan is the best travel companion for you. To cater for individual needs, it contains 2 protection solutions Worldwide and China Insurance Plan for your selection. Please see below the product features of Worldwide Travel Insurance Plan. To view the coverage of China Insurance Plan, please go to Coverage for details.
Medical
- Necessary medical treatment expenses incurred during the period of travel due to sickness or accidental injury, including out-patient treatment, surgery and hospitalization fees, up to HK$1,000,000.
- Follow-up medical treatment expenses incurred within three months after return to Hong Kong, including Chinese bone-setting and acupuncture.
- Daily cash allowance if you need to be hospitalized during the period of travel. (only applicable for TravelCare Worldwide Insurance plan)
- 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
No matter where you are in the world, all you need to do is to call our 24-hour emergency hotline and you can immediately get the following assistance:
- Arrangement of hospital admission and prepayment of hospital admission deposit.
- Cost of transportation, medical services and medical supplies incurred by an emergency medical evacuation or repatriation.
- Cost of returning mortal remains to the place of origin of journey or local burial.
- If, in the event of serious injury or sickness, the insured is confined in hospital for more than three consecutive days, the additional hotel charges and round-trip air ticket incurred by one relative or close friend will be compensated.
- If the insured suffers serious illness or injury, Zurich Insurance will pay the additional return travel expenses of accompanying family members aged below 17 left unattended to return to their place of origin of journey. And if necessary, Zurich Insurance will arrange and pay for a qualified attendant to accompany such children on the return journey.
- Other free advisory services include:
- Customs information and quarantine regulations
- Referral to consulates
- Referral to medical service providers
- Loss of passport and luggage assistance
- Referral to interpreters
- Referral to lawyers
- Telephone medical advice
- Monitoring of insured's medical condition when hospitalized
- Arrangement for medical expenses guarantee
Personal accident
- Covers accidental injury or death during the period of travel. In the event of injury or death as a result of robbery or due to riding on a licensed public conveyance (such as a tour bus), double indemnity will be paid. (This is not applicable to insured aged below 17 or above 65).
- 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 aggregate of all multiple policies issued by our company and/or related companies
Personal baggage
Covers baggage and personal effects lost or damage due to accident. No excess is required.
Loss of money
Covers any accidental loss of cash, cheques and traveller's cheques during the travel period. No excess is required.
Credit card protection
In the event of death of the insured, we will pay up the unpaid credit card outstanding balance.
Loss of travel documents and tickets
- Covers expenses incurred in the replacement of travel documents, credit cards, or tickets lost due to accident
- Hotel and travel expenses arising from replacement of stolen travel documents
Home contents protection
Covers the loss of the property due to theft if the insured's 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 travelling, Zurich Insurance will pay for compensation and litigation expenses that you are legally liable for.
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:
- Delay in departure for more than 8 hours, you will be compensated for the delay
- Delay for more than 8 hours (except at place of origin of journey), the incurred extra hotel expenses will be covered
- Cancellation of the planned 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 to 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:
- Death, serious injury or illness suffered by the insured or the insured's family members* or close business partners
- Accident such as fire or flood occurring at the insured's residence
- Riot or terrorism at the planned destination
- Insured's presence in court as a witness or juror being required (not applicable to curtailment of trip)
- Hijack of public conveyance (not applicable to cancellation of trip)
* Family members includes: the insured's spouse, parents, parents-in-law, grandparents, children, grandchildren, sibling and fiance(e)
Dangerous sports protection
To make your trip even more enjoyable and satisfying, we are specially including coverage of certain dangerous sports often enjoyed by Hong Kong people, including horse-riding, scuba-diving, winter sports, water skiing, white-water rafting, sailing, windsurfing, hot-air-ballooning and bungee-jumping, without extra premiums.
Hospital admission guarantee
This plan does provide you with the best cover in your time of need. If you need to be admitted to a hospital for treatment, we guarantee the expenses incurred by you within the hospital up to HK$39,000.
24-hour emergency assistance hotline
No matter where you are, our support service is constantly available.
Protection for everyone
There is no age limit of the insured. Every traveller can enjoy full protection, and you can be covered up to 180 days.
Guaranteed 7-day claims processing
Zurich Insurance will settle your claim within 7 working days, once we have received all the required documents. Simply follow this claims procedure:
- Inform 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 Zurich Insurance
Notes:
- The family plan shall include you, your spouse and all your accompanying children aged below 17. Your spouse and each of your child receive the same benefit amount as yours except under personal accident where each child will entitle to receive maximum HK$300,000.
- The maximum liability in aggregate for any one accident in family plan shall not exceed 300% of each section benefit.
- Deductibles: the first HK$3,000 of any home contents.
- Loss of money, property or travel documents must be reported to the police within 24 hours.
- No compensation will be paid for the cancellation or curtailment of trips without verification by airlines, travel agents or other relevant organization.
- 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.
- Coverage on Medical Expenses does not cover the first HK$150 of each and every claim for the insured person age over 80.
Major policy exclusions:
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, self-inflicted 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.
Remarks:
The above information is for reference only and does not constitute any part of the contract. For full terms and conditions, please refer to the policy documents. Zurich Insurance Company reserves the right of final approval.
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