General Insurance

Travel Insurance Plan

Our Travel Insurance Plan provides a broad range of coverage, including personal accident, medical expenses, property and luggage loss, and travel delays. It also provides options for a family plan and an annual multi-trip travel plan, so you can enjoy all of your travel without worries.

Product Highlights

  • Family Plan Option
    If both parents purchase the plan together, all their accompanying children under the age of 17 will be covered free of charge.
  • Extensive Personal Accident Coverage
    The Personal Accident section covers the risk of terrorist attack*, as well as travel activities such as skiing, scuba-diving, water-skiing, rafting, yachting, parachuting, rock-climbing, bungee-jumping, horseback riding, etc. **
    * This excludes Nuclear/Chemical/Biological Terrorism
    ** This excludes the Insured Person participating in sports in a professional capacity or in return for remuneration.
  • Coverage for Travel Delays and Itinerary Changes Caused by Terrorism
    The plan also covers both travel delays and itinerary changes due to terrorism, giving you peace of mind when you travel.

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img03Single Trip Travel Insurance img03Annual Multi-Trip Travel Insurance


Coverage Sum Insured/Maximum Benefits Per Insured Person (HK$)
  Gold Plan Silver Plan Bronze Plan
1. Medical Coverage      
  • Medical Expenses including Follow-up Medical Treatment Expenses
800,000 500,000 200,000
  • Overseas Hospital Daily Cash Benefit
250 per day and up to 3,000 250 per day and up to 1,500 250 per day and up to 1,000
2. Global Emergency Assistance Coverage  
  • Hospital Admission Guarantee
  • Emergency Evacuation or Repatriation Service
Actual cost
  • Repatriation of Mortal Remains
Actual cost
  • Compassionate Visit
One economy class return airfare
  • Additional Accommodation Expenses
1,950 per day and up to 7,800
  • Return of Unattended Children and Caretaker Fee
One economy class one-way airfare up to 30,000
  • Dispatch of Essential Medicine/Medical Equipment
  • Other Free Advisory Services
3. Personal Accident Coverage 1,000,000 500,000 250,000
  • Accident on Public Common Carrier or During Robbery
1,500,000 750,000 375,000
  • Burn Coverage
200,000 200,000 200,000
  • Loss of Income (up to 12 weeks)
1,000 per week 1,000 per week 1,000 per week
4. Compassionate Death Cash Coverage 10,000
  • Compassionate Visit
One economy class return airfare and actual hotel accommodation costs up to 30,000
5. Personal Baggage Coverage (Maximum benefit including golf equipment and laptop computer) 20,000 10,000 5,000
6. Loss of Money 3,000 2,000 1,000
7. Credit Card Protection 30,000 15,000 5,000
8. Loss of Travel Documents or Tickets 3,000 2,000 1,000
9. Loss of Home Contents due to Burglary During Travel 100,000 80,000 50,000
10. Personal Liability 2,500,000 2,500,000 2,500,000
11. Travel Delay / Re-routing      
  • Travel Delay
1,500 1,500 1,500
  • Extra Hotel Costs due to Travel Delay
2,000 2,000 2,000
  • Extra Re-routing Costs due to Travel Delay
10,000 7,500 5,000
12. Baggage Delay / Emergency Purchase 1,500 1,000 500
13. Cancellation of Trip 30,000 20,000 10,000
14. Curtailment of Trip 30,000 20,000 10,000

Premium Table

IA Levy collected by the Insurance Authority ("IA") shall be imposed on insurance policy at the applicable rate in accordance with the law. For further information, please visit www.ia.org.hk. The following premiums do not include IA Levy.

Single Trip Travel Insurance

Premium (HK$)
Days of Travel Gold Plan Silver Plan Bronze Plan
  Individual Family Individual Family Individual Family
1 70 140 50 100 30 60
2 110 220 80 160 55 110
3 143 286 103 206 74 148
4 178 356 135 270 107 214
5 198 396 150 300 124 248
6 214 428 165 330 137 274
7 230 460 180 360 149 298
8 247 494 195 390 160 320
9 260 520 203 406 169 338
10 275 550 213 426 177 354
11 288 576 222 444 186 372
12 313 626 234 468 193 386
13 339 678 254 508 201 402
14 365 730 273 546 217 434
15 391 782 293 586 232 464
16 409 818 304 608 238 476
17 420 840 310 620 241 482
18 431 862 315 630 244 488
19 441 882 321 642 248 496
20 452 904 327 654 251 502
21 463 926 332 664 254 508
22 473 946 338 676 258 516
23 484 968 343 686 261 522
24 495 990 349 698 264 528
25 505 1,010 355 710 267 534
26 516 1,032 360 720 271 542
27 526 1,052 366 732 274 548
28 537 1,074 371 742 277 554
29 548 1,096 377 754 281 562
30 558 1,116 383 766 285 570
31-180 (Daily Additional Premium) 15 30 12 24 9 18

Annual Multi-Trip Travel Insurance

Annual Premium (HK$)
Gold Plan Silver Plan Bronze Plan
Individual Family Individual Family Individual Family
2,850 5,700 1,950 3,900 1,000 2,000

Major Exclusions

  • Non-essential treatment;
  • Travel contrary to the advice of a medical practitioner or for the purpose of receiving medical or surgical treatment;
  • Any pre-existing condition, congenital or hereditary condition;
  • Loss or damage to any mobile phones or their accessories, contact lenses, brittle or fragile items like glass or crystal, and dentures;
  • Loss not reported to the local police or airline or other carrier within 24 hours of discovery;
  • Loss in an unlocked or unattended vehicle;
  • Unexplained loss or mysterious disappearance;
  • Loss or damage due to confiscation or detention by Customs or other Government Officials;
  • Riding or driving in any kind of motor racing, or engaging in a sport in a professional capacity or where you would or could earn income or remuneration from engaging in such sport;
  • Consequential loss of any kind;
  • Suicide or intentional self-inflicted injury;
  • Insanity, under the influence of drink or drugs, alcoholism, drug addiction or solvent abuse;
  • Pregnancy, childbirth or miscarriage, abortion, pre-natal care as well as post-natal care and other complications arising therefrom, or venereal disease;
  • Cancellation of trip due to bankruptcy, liquidation, error, omission or default of any travel agency, tour operator or other provider of any service forming part of the booked itinerary;
  • Diseases arising from HIV and/or AIDS;
  • War, civil war;
  • Ionizing radiation or contamination by radioactivity from any nuclear fuel.


Section Excess
Section 3 – Personal Accident Coverage No payment will be made for the first 3 days of incapacity for Income Benefit. The benefit will also not apply to any unemployed, self-employed or retired Insured Persons
Section 5 – Personal Baggage Coverage HK$250 each and every claim for golf equipment
Section 9 – Loss of Home Contents due to Burglary During Travel HK$3,000 each and every claim


Is there any age limit under the travel policy?

Yes. For a Single Trip policy, the age limit is 6 months to 75 years old. And Insured Person under the age of 17 and traveling without companion of an adult (no matter joining a tour or not) is unacceptable. The age limit for the Annual Multi-Trip policy is 6 months to 70 years old and the renewal shall be at the sole discretion of the Insurance company.

What is the longest trip that can be covered?

180 days for the Single Trip policy and 90 days per trip for the Annual Multi-Trip policy. The number of trips is unlimited under the Annual Multi-Trip policy.

Can the travel policy be arranged after departure for the trip?

No. A travel policy must be arranged before departure. In most circumstances, the Insurer will not accept your application for insurance if the trip has begun.

Is it possible to extend the period of insurance after departure?

Yes, but the Insurer must be notified before the expiry of the travel policy and the extension is subject to an additional premium. Nevertheless, the trip after the extension must not exceed the day limit as stated in Q2.

Can I cancel the policy and have the premium refunded before commencement of the trip?

No. A travel policy takes immediate effect after the purchase of the policy. Therefore, the policy cannot be cancelled after purchase and approval. If the reason of cancellation falls within the coverage of Cancellation of Trip, the insured will be indemnified for the unrecoverable travel fare or other expenses.

Can grandparents be included in the Family Plan?

No. The Family Plan includes parents and their children aged 6 months to 16 years old (on the day of departure). Grandparents and children who reach 17 years old will have to purchase their own travel policies.

Can a non-HKID cardholder purchase the travel policy?

No, the Proposer and Insured Person must be a Hong Kong Permanent Resident holding a valid HKID card.

Can a domestic helper be included in the Family Plan?

No. The employer is advised to arrange a separate policy for the domestic helper.

Is it necessary to include the departure and return dates in the period of insurance upon application?

Yes. The period of insurance should cover the whole journey, i.e., both departure and return dates are inclusive.

If the tour operator becomes bankrupt, can the Insured Person claim for indemnity under the policy?

No. A travel policy does not indemnify the Insured Person for any loss due to bankruptcy, liquidation, error, omission or default of any travel agency and tour operator. The insured will have to lodge his/her claim directly with the relevant party.

Must the first consultation be made abroad to be entitled to claim follow-up medical expenses in Hong Kong?

Yes, the Insured Person must receive the first medical consultation on the same illness or accident during the insured journey abroad before being entitled to claim the follow-up medical treatments in Hong Kong.

Will any group discounts be offered?

A special discount will be offered to groups of 7 persons or more. There will be an extra discount for groups of 12 persons or more. Please contact us for details.

Tips for Filing a Claim

Please note the following and submit the required supporting documents when filing a claim:

  1. Medical expenses
    • Provide the original medical report and receipts showing the patient's name and date of consultation, expenses and diagnosis
    • Provide originals or copies of the air ticket and boarding pass
  2. Cancellation and curtailment of trip
    • Provide a completed Claim Form with the reasons of cancellation/curtailment and a breakdown of unused itinerary, items, and costs
    • Provide other documents stating the cause and amount of the loss, e.g., a confirmation letter from the airline company, medical reports, tour receipts, etc.
  3. Loss/damage to baggage
    • Report the loss or damage to the local police and other responsible parties, such as the airline company and hotel, if possible
    • Submit a completed Claim Form stating details of the incident and loss, an incident report reference and the full addresses of the police station, airline company and hotel
    • Provide original purchase receipts for the lost/damaged items, if available
    • Provide photos showing the damaged items, if available
    • Please keep the damaged items for the Insurer's inspection if the situation allows
    • If the baggage was damaged/lost in the custody of the airline company, please lodge a written complaint to the airline company immediately and seek compensation from them. Provide a copy of such letter to us as evidence
  4. Baggage delay
    • Provide originals or copies of the air ticket and boarding pass
    • Provide written confirmation from the airline company stating the length of the delay
    • Provide a list showing the necessities bought, with original receipts
  5. Flight delay
    • Provide originals or copies of the air ticket and boarding pass
    • Provide written confirmation from the airline company stating the length and cause of the delay
    • Provide original receipts if hotel accommodations or alternative transportation means were arranged due to such delay

Claims Service Hotline
(852) 2290 3560



  1. The general insurance product is underwritten by Paofoong Insurance Company (Hong Kong) Limited ("Paofoong Insurance"). Paofoong Insurance is authorized and regulated by the Insurance Authority to carry on general insurance business in Hong Kong Special Administrative Region.
  2. Shanghai Commercial Bank Limited ("The Bank") is the Appointed Insurance Agency (Insurance Agency License Number FA3130) of Paofoong Insurance, and the general insurance product is a product of Paofoong Insurance but not the Bank. Profoong Insurance reserves the right to decide at its sole discretion to accept or decline any application of the general insurance plan.
  3. Paofoong Insurance is a subsidiary of the Bank.
  4. The Bank and Paofoong Insurance reserve the right to amend or terminate the terms and conditions for the relevant premium discount without prior notice to customers. In case of any disputes, the decision of the Bank and Paofoong Insurance shall be final.
  5. The above information is for reference only and is intended to be distributed in Hong Kong only, it shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of Paofoong Insurance outside Hong Kong and will not constitute any part of the insurance policy document. Please refer to the policy document and provision issued by Paofoong Insurance for detailed terms and conditions, scope of coverage, exclusions and premium of this insurance plan.
  6. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) between the Bank and the customer arising out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product shall be resolved directly between the customer and Paofoong Insurance.
  7. In case of any discrepancy between the English and Chinese versions of the above information, the English version shall prevail.

Download Document

Leaflet and Proposal Form – Single Trip Travel
Leaflet and Proposal Form – Annual Multi Trips Travel
Policy Document - Single Trip Travel
Policy Document - Annual Multi Trips Travel
Claim Form
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