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| Travel Insurance |
Your perfect travel companion
Travelling is a great pleasure but when things like flight delay, loss of baggage happen during the trip, your holiday can be spoiled. DBS Bank Travel Insurance provides you and your family full protection throughout your journey. With complete peace of mind, you can truly relax and enjoy your trip.
Double accident protection up to HK$2,000,000
Your accident cash benefit is doubled in the event of injury or death while travelling on public transport or private car; or in an armed robbery.
Dangerous sports coverage at no extra cost
So long as you are not a professional sportsman or competing in competitions, no additional premium is required for Personal Accident and Medical Expenses coverage on dangerous sports including winter sports, bungee jumping, horse riding, water skiing, scuba diving, hot-air ballooning, rafting, sailing and windsurfing.
Protecting your home while you travel
While you are enjoying your trip, your home contents will be covered against burglary loss of up to HK$20,000. What's more, an extra bonus cover is provided to you for home contents for 30 days after you return from your trip.
Worldwide emergency assistance up to HK$2,000,000
Accidents may happen in places where medical service is inadequate or simply unavailable. You can rest assured that our medical evacuation team will make every effort to evacuate you to the nearest location or back home where you can receive proper medical treatment. To ensure you get the best care, we provide value-added services including:
- Deposit guarantee of up to HK$40,000 for hospital admission
- Expenses for a family member to visit you if you are hospitalised abroad for more than 10 days
- Hotel room for convalescence following discharge from overseas hospital
- Airfare and escort for unattended children going back home while parent is hospitalised
- Emergency air ticket arrangement or re-scheduling
- Assistance to replace passport or visa or to retrieve lost luggage
- Referral for lawyers or interpreter service
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Fast-track claims service: paying you within 2 working days
Making an insurance claim has never been so easy. Just call our hotline and you can get instant approval over the phone for valid claims of small amount. To save your time, our customer service representatives will complete the claims application for you. All you need to do is to confirm the claims information and to send in the required supporting documents. The claims cheque will normally be issued to you in two working days.
Coverage Table
| Cover |
Maximum Benefits (HK$) |
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| Personal Accident |
| Accidental Death & Disablement Protection |
| Double Accident Protection (on public transport or private car or in armed robbery) |
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| Medical Expenses |
| Medical Expenses |
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Hospital cash benefits HK$500 / day |
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Follow-up treatment after return to HK within 3 months (including bonesetter fees HK$150/day up to HK$1,500) |
| Worldwide Emergency Assistance |
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600,000 |
3,000 |
| 50,000 |
2,000,000 |
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300,000 |
1,000 |
| 50,000 |
2,000,000 |
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| Trip Delay & Cancellation |
| Trip Cancellation and Curtailment |
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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 |
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Due to industrial actions, adverse weather, or mechanical breakdown, etc.
Claim amount is HK$250 / 6 hours |
| Missed Departure |
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Due to strike, riot, hijack or adverse weather |
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| Baggage & Personal Effects |
Loss of Personal Money / Documents
(Excess HK$200) |
| Loss of Passport |
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Additional travel and accommodation expenses incurred in obtaining a replacement passport |
| Loss of Personal Baggage(Excess HK$200) |
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Any one item up to HK$2,000 |
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All sports equipment upto
HK$5,000 |
| Delayed Baggage |
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At least 12 hours |
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| Personal Liability |
| Personal Liability |
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Liability to third party against negligence |
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| Other Benefits |
| Rental Vehicle Excess |
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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 |
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Due to unexpected delay |
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| Insurance Period |
You |
You & Spouse1 |
You & Children2 |
Your Family3 |
Gold |
Silver |
Gold |
Silver |
Gold |
Silver |
Gold |
Silver |
| 1-5 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. |
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. |
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Peace of mind
MSIG Insurance (Hong Kong) Limited (hereunder called "MSIG") has been providing general insurance solutions and products to its customers in Hong Kong for more than 120 years, with a network of operations dating as far back as 1880. In Hong Kong, MSIG, a wholly-owned subsidiary of one of the largest general insurers in Asia, Mitsui Sumitomo Insurance Co Ltd (MSI), is highly reputed for its long-standing industry experience and market knowledge.
Apply Now
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Call DBS MSIG InsureDirect on 3122 6868
This insurance is underwritten by MSIG Insurance (Hong Kong) Limited.
Important notes
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Age Limit: 6 weeks up to 75 years of age (Insured persons aged below 12 must be accompanied by a parent or guardian) |
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Maximum Days per Trip: 182 days |
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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 |
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Double Accident Protection and Dangerous Sports Coverage only apply to insured persons aged 17 to 70
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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.
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