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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.

Coverage Table

Cover		Maximum Benefits (HK$)
		Gold	Silver
Personal Accident Accidental Death & Disablement Protection Double Accident Protection (on public transport or private car or in armed robbery) 1,000,000 2,000,000 500,000 1,000,000 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 600,000 3,000 50,000  2,000,000 300,000 1,000 50,000  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 Due to industrial actions, adverse weather, or mechanical breakdown, etc. Claim amount is HK$250 / 6 hours Missed Departure Due to strike, riot, hijack or adverse weather 30,000   2,500   10,000 20,000   1,000   5,000 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$2,000 Any one item of sports equipment up to HK$5,000 Delayed Baggage At least 12 hours 3,000 2,000   15,000     2,500 2,500 1,000   10,000     1,500 Personal Liability Personal Liability Liability to third party against negligence 2,500,000 2,500,000 Other Benefits Rental Vehicle Excess Excess liable to the rental company for loss of or damage to the rented vehicle Burglary Loss of Home Contents while you travel (Excess 10% of loss) Free extension of cover Due to unexpected delay 5,000   20,000 7 days 5,000   10,000 7 days

Premium Table (HK$)

Insurance Period	Individual		Individual & Spouse1		Individual & Children2		Family3
	Gold	Silver	Gold	Silver	Gold	Silver	Gold	Silver
1-3 days	156	126	300	238	269	215	406	325
4-5 days	195	140	365	270	325	240	510	370
6-8 days	255	175	470	325	420	300	650	445
9-15 days	400	265	740	510	665	440	1,045	665
16-24 days	550	380	995	690	890	615	1,400	925
25-31 days	650	450	1,200	850	1,075	740	1,690	1,120
each additional day	15	10	30	20	25	20	40	30

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.

Peace of mind
MSIG Insurance (Hong Kong) Limited ("MSIG") is a wholly-owned subsidiary of MS&AD Insurance Group Holdings, Inc, one of the largest general insurers in Asia. MSIG's network of operations date as far back as 1855 and we have been providing general insurance solutions and products to our customers in Hong Kong for more than 150 years. Having journeyed through various phases of changes and growth, we now have one of the most extensive distribution channels and largest general insurance networks in Asia.


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