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	Deposit guarantee of up to HK$40,000 for hospital admission
	Expenses for a family member to visit you if you are hospitalised abroad for more than 10 days
	Hotel room for convalescence following discharge from overseas hospital
	Airfare and escort for unattended children going back home while parent is hospitalised
	Emergency air ticket arrangement or re-scheduling
	Assistance to replace passport or visa or to retrieve lost luggage
	Referral for lawyers or interpreter service

Cover		Maximum Benefits (HK$)
		Gold	Silver
Personal Accident	Accidental Death & Disablement Protection Advanced Cash Relief (upon Accidental Death) Double Accident Protection (on public transport or private car or in armed robbery)	1,000,000 50,000 2,000,000	1,000,000 50,000 2,000,000
Medical Expenses	Medical Expenses Hospital cash benefits HK$500 / day Follow-up treatment after return to HK within 3 months (including bonesetter fees HK$150/day up to HK$1,500) Worldwide Emergency Assistance	800,000 5,000 100,000 2,000,000	800,000 5,000 100,000 2,000,000
Trip Delay & Cancellation	Trip Cancellation and Curtailment Reimbursement of unused travel and accommodation expenses if trip is cancelled due to sickness or death of you or your immediate family members, adverse weather, industrial actions, etc. Travel Delay Delayed by at least 6 hours due to industrial actions, adverse weather or mechanical breakdown, etc. Delayed due to sickness or death of you or your immediate family members Missed Departure Due to strike, riot, hijack or adverse weather Delay due to Hijack Pays HK$500 for each day that you are prevented from reaching your scheduled destination due to hijack of the aircraft Replacing Employee Airfare in sending an employee overseas to replace the insured person who needs to be repatriated to Hong Kong due to bodily injury or sickness	30,000   3,500 ($250/6hrs)     15,000   2,500   20,000	N/A   N/A     N/A   N/A   N/A
Baggage & Personal Effects	Loss of Personal Money / Documents Loss of Passport Additional travel and accommodation expenses incurred in obtaining a replacement passport Loss of Personal Baggage Any one item up to HK$3,000 Any one item of sports equipment up to HK$10,000 Baggage Delay At least 12 hours Loss of Documents or Samples Reimbursement of the cost of replacing business records, documents or samples which have been lost or damaged during travel	3,000 2,000   25,000     2,500   2,500	N/A N/A   N/A     N/A   N/A
Personal Liability	Personal Liabilitys Liability to third party against negligence	2,500,000	N/A
Other Benefits	Rental Vehicle Excess Excess liable to the rental company for loss of or damage to the rented vehicle Dangerous Sports Coverage Pays you in the event of accidental death or bodily injury while you are taking part in winter sports, water skiing, scuba diving, bungee jumping, horse riding, hot-air ballooning, rafting, sailing and windsurfing. Burglary Loss of Home Contents while you travel Free extension of cover Due to unexpected delay	5,000   100% of the maximum benefits under the Personal Accident & Medical Expenses benefits 20,000 14 days	N/A   100% of the maximum benefits under the Personal Accident & Medical Expenses benefits N/A 14 days 14 days

1	You & Spouse: Husband & wife
2	You & Children: Father or mother travelling with child(ren) under 18 years of age. There is no limit of the number of children covered.
3	Your Family: Husband and wife travelling with child(ren) under 18 years of age. There is no limit of the number of children covered.

• Call DBS MSIG InsureDirect on 3122 6868

Remark: This insurance is underwritten by MSIG Insurance (Hong Kong) Limited.

Important notes

	Age Limit: 6 weeks up to 75 years of age (Insured persons aged below 12 must be accompanied by a parent or guardian).
	Maximum Days per Trip: 90 days
	The maximum benefit for Personal Accident and Medical Expenses for insured persons aged under 17 or over 70 will be limited to 50% of sum insured.
	Double Accident Protection and Dangerous Sports Coverage only apply to insured persons from aged 17 to 70.

Exclusions
Pre-existing injury or sickness, act of war, civil commotion, terrorism, participation in illegal act, professional sports or competing in competitions, pregnancy, childbirth, suicide, self-inflicted injury, AIDS, flying other than as a fare-paying passenger (e.g. pilot), etc.