Promotion Successfully enrol via online to enjoy 10% first year premium discount!

Complete Protection for Frequent Travellers
No matter how frequently you travel, Annual Travel Insurance provides continuous protection throughout the year, saving you from the hassle of enrolling for your cover every time when you travel. You can also enjoy the following offer:

Fixed premium, unlimited travel
─ Gives you the benefit of economies of scale

Annual Travel Insurance provides comprehensive medical and accidental cover,includes:

Personal Accident

• HK$1,000,000 accidental death or permanent disablement protection
• Advance payment of HK$50,000 cash relief
• Double Indemnity for Personal Accident up to HK$2,000,000
  ─ Accident death or permanent disablement while travelling on public transport or private car or in armed robbery

Medical Expenses

• Medical expenses up to $800,000
  ─ Include hospital cash benefit and follow up treatment after return to Hong Kong
• 24-hour Worldwide Emergency Assistance up to HK$2,000,000

Additional Value-added Services

• Full protection without excess!
  ─ No need to pay any excess in a claim, so you bear no financial loss.
• Automatic extension of cover due to unexpected delay
• Dangerous sports cover including winter sports, bungee jumping, horse riding, water skiing, scuba diving, hot-air ballooning, rafting, sailing and windsurfing
• Loss of Home Contents while you travel due to burglary
• Comprehensive cover for Gold Plan includes: personal liability, trip delay and cancellation, loss of baggage and personal money, etc.
• Travel delay cover pays HK250 for every 6v hours of delay, up to HK$3,500 and delayed baggage cover pays up to HK$2,500 for Gold Plan

This plan offers FREE extended coverage upon issuance of any outbound trip travel alert by the Government of HKSAR, including additional transport expenses, overnight stay cash allowance and administration charge due to trip cancellation. Please click "Outbound Travel Alert extended coverage" for more details.

Benefits Table

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 (Excess HK$200) Loss of Passport Additional travel and accommodation expenses incurred in obtaining a replacement passport Loss of Personal Baggage (Excess HK$200) 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   HK$20,000 100% of the maximum benefits under the Personal Accident & Medical Expenses benefits 20,000 14 days	N/A   HK$10,000   100% of the maximum benefits under the Personal Accident & Medical Expenses benefits N/A 14 days

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

• Instant online application

Major 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.

Important notes

The above insurance plan is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”). MSIG reserves the right of final approval. DBS Bank (Hong Kong) Limited (‘the Bank”, which expression includes its successors and assigns) is an insurance agent authorized by MSIG. All Insured Persons must be aged between 6 weeks and up to 75 years of age. (Insured persons aged below 12 must be accompanied by a parent or guardian) Each trip should be a round-trip commencing in Hong Kong. The maximum benefit for Personal Accident and Medical Expenses for Insured persons aged under 17 or over 70 will be limited to only 50% of the Sum Insured. Double Accident Protection and Dangerous Sports Coverage only apply to insured persons aged 17 and up to 70. The policy does not cover any claims arising from flight crew. 24-Hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong. The above is not a policy of insurance. Please refer to the policy document (which will be issued to you upon acceptance of your application) for the applicable terms, conditions and exclusions.