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Single Travel Insurance
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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

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

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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.

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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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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
  1. 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)
  2. Maximum days per trip are 182 days.
  3. 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.
  4. Double Accident Protection and Dangerous Sports Coverage only apply to Insured Persons aged 17 and up to 70.
  5. On a one-way trip, cover is valid for a maximum of 7 days after you arrive at the final destination or until the expiry date of the insurance, whichever is sooner.
  6. The policy does not cover any claims arising from flight crew.
  7. No refund of the premium is allowed once the policy document has been issued.
  8. 24-Hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
  9. All the insurance products offered on this website are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). MSIG reserves the right of final approval. DBS Bank (Hong Kong) Limited, which expression includes its successors and assigns is an insurance agent authorised by MSIG.
  10. MSIG is a general insurer licensed and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Insurance offered by the Company is only available for subscription by residents of the Hong Kong SAR.
  11. 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.

 

 
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