Relaxing and easy travel begins here

Relaxing and easy travel begins here
Planning your vacation with your family? Having frequent business trips? Make sure you are covered by a travel insurance plan before you go on your overseas trip as unexpected circumstances such as flight delays, loss of baggage, sickness or even accident may happen and affect your trip.

MyWay Travel (Single Trip) Insurance is specially designed to provide you with comprehensive cover for all your overseas leisure and business journeys.

“Thai Easy-Pay” Promotional Offer “Thai Easy-Pay” Promotional OfferFrom now till 31 December 2024, eligible customers who set Fubon Bank as the default receiving bank of mobile number using FPS Addressing Service1, and make successful FPS x PromptPay QR Payment2 to Thailand merchants that support PromptPay via Fubon+ in Thailand, can earn HK$15 cash rebate for every eligible transaction3. The maximum cash rebate amount during the promotional period is HK$300. (up to a maximum of twenty cash rebates). Fubon FPS Thailand QR Payment Promotional Offer Fubon FPS Thailand QR Payment Promotional OfferFrom now till 31 December 2024, eligible customers, who set Fubon Bank as the default receiving bank of mobile number using FPS Addressing Service1, successfully enrolling in MyWay Travel (Single Trip) Insurance Plan via dedicated MSIG webpage and successfully make a FPS x PromptPay QR Payment to Thailand merchants that support PromptPay via Fubon+ in Thailand during policy period, can enjoy a cash rebate. The cash rebate is equivalent to the discounted premium paid for the policy, with the maximum rebate up to HK$300. Click Here to enroll in MyWay Travel – Single Trip Click Here to learn more about FPS x PromptPay QR Payment Service The above two Offers can be enjoyed at the same time. For details and T&C about these promotional offers, please refer to Fubon FPS Thailand QR Payment Promotional Offer. Remarks: 1Only exclusive to customers with individual account and have set Fubon Bank as the default receiving bank of mobile number using FPS Addressing Service and maintain such addressing setting at the time of cash rebate is being awarded. 2Some non-participating banks’ QR codes or PromptPay personal QR codes do not support FPS x PromptPay. 3An eligible transaction is defined as the successful completion of an FPS x PromptPay QR code payment to a PromptPay-supported Thai merchant via Fubon+ during the promotional period. No limitation on the transaction amount.

Online Exclusive Travel Insurance 8X Bonus Points Reward for Fubon Bank Credit Cardholders Online Exclusive Travel Insurance 8X Bonus Points Reward for Fubon Bank Credit Cardholders The Promotional Offer is subject to Terms and Conditions. From now until 31 December 2024, you can enjoy 8X Fubon Credit Card bonus points and discount on premium# upon successfully enrolling in MyWay Travel Insurance with your Fubon Credit Card via dedicated MSIG webpage: Fubon Credit Card Click Here to enroll in MyWay Travel – Single Trip Travel Plan to enjoy 20% discount#! #Terms and Conditions of the Online Exclusive Travel Insurance 8X Bonus Points Reward for Fubon Bank Credit Cardholders (“8X Bonus Points Promotion”): The promotional period is from now until 31 December 2024 (“8X Bonus Points Promotion Period”). No person other than the customer who enjoys any offer and Fubon Bank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions. All matters and disputes related to this 8X Bonus Points Promotion will be subject to the final decision of MSIG Insurance (Hong Kong) Limited (“MSIG”) which reserves the right to amend relevant terms and conditions without prior notice. Travel Insurance 8X Bonus Points Reward is only applicable to the online purchase of MyWay Travel Insurance with Fubon/YATA Credit Card on the designated MSIG website during the Promotional Period (based on the completion date of transaction, issuance date of the approval code and the transaction must be posted by 7 days after the 8X Bonus Points Promotion Period). For every HK$1 card spending, cardholder shall enjoy extra 7 bonus points from the Travel Insurance 8X Bonus Points Reward in addition to the 1 bonus point granted by the Fubon/YATA Credit Card Bonus Point Program. Other transactions including but not limited to cash advance, administration fee, installment plan and finance charges are not eligible for the Travel Insurance 8X Bonus Points Reward. No bonus point will be offered to any unposted, cancelled or refunded transactions. The extra bonus point(s) under the Travel Insurance 8X Bonus Points Reward will be automatically awarded to cardholder’s principal card account (must be valid and in normal status) in March 2024 and/or July 2024 and/or November 2024 and/or March 2025 and will be shown on cardholder’s principal card monthly statement. To borrow or not to borrow? Borrow only if you can repay!

Online Exclusive Travel Insurance Premium Discount for Non Fubon Bank Credit Cardholders Online Exclusive Travel Insurance Premium Discount for Non Fubon Bank Credit CardholdersThe Promotional Offer is subject to Terms and Conditions. Successfully enroll in MyWay Travel Insurance from now until 31 December 2024 to enjoy the offers below*: Single Trip Travel Plan - 20% discount！ *Terms and Conditions of the Promotion: The promotional period is from now until 31 December 2024. All matters and disputes related to this Promotional Offer will be subject to the final decision of MSIG Insurance (Hong Kong) Limited (“MSIG”) which reserves the right to amend relevant terms and conditions without prior notice. No person other than the customer who enjoys any offer and Fubon Bank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions. To borrow or not to borrow? Borrow only if you can repay!

COVID-19 Daily Cash Benefits (Applicable to Plan A and Plan B) COVID-19 Daily Cash Benefits (Applicable to Plan A and Plan B) From now until 31 December 2024, to enroll MyWay Travel Insurance Plan, the plan will pay you HK$500 for each full day and up to 10 days if you are diagnosed with COVID-19* and admitted to a Hospital or mandated to be quarantined during an insured trip overseas. *Pre-departure COVID-19 polymerase chain reaction (PCR) test is required, otherwise diagnosis of COVID-19 within 14 days from the start of the trip is not covered. The promotion is subject to relevant terms and conditions. The above information is for reference only. Please refer to the policy wording for details of the coverage, terms, conditions and exclusions.

To enroll or to learn more

• Call 2806 5038
• Click Here to get information and enroll in MyWay Travel – Single Trip Travel Plan

Coverage Highlights:

Coverage Highlights:

• Personal Accident cover up to HK$1,500,000
• Medical Expenses benefit cover emergency dental treatment, medical and surgical expenses up to HK$1,000,000
• Follow-up medical expenses after returning to Hong Kong up to HK$50,000 for a maximum period of 90 days, including registered herbalists, bonesetters and acupuncture fees up to HK$1,500 in total
• Amateur Dangerous Sports cover include hot-air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping or horse riding
• Rental Vehicle Excess cover up to HK$10,000
• Mobile Phone cover up to HK$3,000
• Travel Delay and Trip Rearrangement benefit extend to cover Bankruptcy / Winding-up of Airline
• Automatic Extension of Cover
• Family Plan covering unlimited number of children
• 24-hour Worldwide Travel Assistance Services
• No excess on all benefit

Important Notes:

1. Maximum days per trip is 182 days under Plan A / Plan B and 30 days under Plan C, each trip should be commenced in Hong Kong and the application of this policy should be completed before your trip commence.
2. There is no minimum age limit for this plan. Maximum age limit is 85.
3. Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip. No Family Plan offer for Plan C.
4. The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000 under Plan A / Plan B and HK$100,000 under Plan C.
5. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
6. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to 25% of the Sum Insured.
7. The 150% indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 70 years of age at the time of an accident.
8. The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age at the time of an accident.
9. The Mobile Phone cover will not be available to those Insured Persons who are below 18 years of age insured under a Family Plan.
10. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.

Benefits Table

Benefits Table

Benefits	Coverage	Maximum Benefits Payable (HK$)
		Plan A	Plan B	Plan C
	Destination	Worldwide	Worldwide	Asia
1.  Personal Accident1,2,3	Accidental Death / Permanent Total Disablement / Loss of two limbs or sight of both eyes / Permanent Total Loss of speech and hearing. (An advance payment of HK$20,000 cash relief will be paid to your legal representative in the event of your accidental death.)	1,000,000	400,000	200,000
	Loss of one limb8 or sight of one eye / Permanent Total Loss of speech or hearing.	500,000	200,000	100,000
	Cover 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy.	300,000	200,000	100,000
2.  150% Indemnity for Personal Accident4	150% indemnity for Accidental Death while you are travelling in a private car or as a fare-paying passenger on public transport (e.g. scheduled flight, train) or in any armed robbery or attempted armed robbery.	1,500,000	600,000	300,000
3.  Medical Expenses1,3	Pays for necessary medical treatment expenses and reasonable additional transport expenses if it is necessary and unavoidable for you to stay beyond your intended return date due to sickness or bodily injury abroad.	1,000,000	400,000	200,000
	Pays for follow-up medical expenses within 90 days after arrival in Hong Kong up to HK$50,000 including registered herbalists, bonesetters and acupunctures’ fees up to HK$150 per visit per day and up to HK$1,500 in total.
4.  Worldwide Travel Assistance Services7	24-hour worldwide emergency medical evacuation & repatriation after treatment.	2,000,000
	Deposit guarantee for hospital admission.	40,000 (as stated in Policy Appendix)
	Unexpected return to Hong Kong, Compassionate Visit, Children Escort Arrangements, etc.	Covered
5.  Terrorism Extension5 (Applicable to the above Benefits 1-4)	Extends to provide you with Worldwide Travel Assistance Services as well as cover in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism under Personal Accident and Medical Expenses Sections.	3,000,000
6.  Amateur Dangerous Sports Coverage6	Pays you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping and horse riding.
	Cover under Personal Accident Section	500,000	200,000	100,000
	Cover under Medical Expenses Section	500,000	200,000	100,000
7.  Trip Cancellation and Curtailment	Reimburses expenses of unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e) or close business partner; residential fire or flooding; jury services, witness summons or compulsory quarantine of you; or if you decide to cancel your trip due to adverse weather conditions, natural disaster directly resulting in suspension of public transport, strike, industrial action, riot or mechanical and/or electrical breakdown of the public transport which results in delay in departure from Hong Kong for not less than 24 hours.	45,000	20,000	2,000
	For Black Alert under the Outbound Travel Alert System: Pays up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed; Reimburses additional transport expenses if you are forced to leave the city you are staying for another city in order to return to Hong Kong; Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Hong Kong.
8.  Travel Delay	Pays HK$250 for each period of 6 hours of delay if the arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport or mechanical and/or electrical breakdown of the public transport; or your trip is delayed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad.	2,000	1,500	500
9.  Trip Rearrangement	Reimburses unused travel and accommodation deposits (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) you have paid or payments for which you are legally obliged to pay, or reimburses additional transport and/or accommodation expenses incurred, and which are not recoverable from any other source in reaching your planned destination, or for your return trip to Hong Kong if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in suspension of public transport.	5,000	3,500	500
	Pays for accommodation expenses up to HK$1,000 per day.
10.  Bankruptcy / Winding-up of Airline	Reimburses unused travel and accommodation deposits you have paid or payments for which you are legally obliged to pay, or the additional expenses necessarily and reasonably incurred for purchasing an alternative travel ticket, which are not recoverable from any other source in reaching your planned destination or for your return trip to Hong Kong if your trip is unavoidably re-routed as a direct result of the airline that you have arranged publicly announces its bankruptcy or winding-up.	2,000	1,000	N/A
11.  Loss of Baggage	Pays for accidental loss of or damage to personal baggage.	20,000	10,000	2,000
	Sub-limits:   Per single article, pair or set of articles	2,000	2,000	1,000
	All sports equipment	5,000	5,000	2,000
	All cameras, camcorders and audio/video equipment	5,000	5,000	2,000
	Laptops	10,000	10,000	2,000
	Mobile phone9	3,000	N/A	N/A
12.  Delayed Baggage	Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 6 hours on the outward journey.	1,000	500	250
13.  Personal Money, Documents and Additional Accommodation Expenses	Reimburses the replacement cost of HK identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport if these documents are lost or stolen while you are abroad.	10,000	5,000	1,000
	Pays for additional travel and accommodation expenses which are necessary to obtain a replacement passport if your passport is lost or stolen while you are abroad. The accommodation expenses up to HK$1,000 per day.
	Cover the loss of cash or travelers cheques directly arising from theft, robbery or burglary during the Period of Insurance9.	3,000	1,500	500
14.  Personal Liability	Pays for any amount which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property.	2,500,000	1,500,000	1,000,000
15.  Rental Vehicle Excess	Pays an excess which you become liable to pay under the agreement with licensed rental company for loss of or damage to the vehicle that you rent.	10,000	5,000	N/A
16.  Automatic Extension of Cover (Applicable to the above Benefits 8 and 9)	Cover is automatically extended free of charge in the event of delays due to unforeseen events covered under Travel Delay and Trip Rearrangement Sections.	Up to 14 days

Optional Benefits

Optional Benefits

For 2-10 days single trip travel under Plan A / Plan B and only applicable if it is shown as being operative in the schedule		Maximum Benefits Payable (HK$)
Extra Sports Equipment Benefits (Applicable to the above Benefits 11 or 12)	(a) Pays for accidental loss of or damage to personal baggage sub-limit for all sports equipment.	Extra 5,000
	(b) Cover the actual expense for rental of sports equipment due to check-in baggage delayed more than 8 hours.	1,000
Pet Accommodation Benefit	Cover additional accommodation expenses for one pet charged by the licensed kennel/cattery or pet hotel for the insured trip if you are unable to collect your dog/cat on the day agreed due to the following reasons:	1,000
	(a) the arrival of your return flight is delayed by at least 6 hours; or
	(b) you were hospitalized or quarantined outside Hong Kong and as a result you cannot arrive in Hong Kong on the original return date.

Notes:

1	The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 70 years of age will be limited to 25% of the Sum Insured.
2	The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000 under Plan A / Plan B and HK$100,000 under Plan C.
3	For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
4	The 150% indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 70 years of age at the time of an accident.
5	Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
6	The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 70 years of age at the time of an accident.
7	24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
8	"Loss of one limb" is defined in the policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
9	This benefit is not applicable to Insured Person(s) who is(are) below 18 years of age and insured under a Family Plan.

Premium Table*

Premium Table^*

Days	Individual Plan			Family Plan3,4
	Plan A (HK$)	Plan B (HK$)	Plan C (HK$)	Plan A (HK$)	Plan B (HK$)
2	142	105	65	352	259
3	179	128	78	445	319
4	208	145	102	518	360
5	225	160	115	560	403
6	243	179	128	605	448
7	260	190	134	648	478
8	278	202	142	689	506
9	295	213	150	735	533
10	310	219	154	776	548
11	329	225	159	818	563
12	340	230	163	848	578
13	353	238	167	878	593
14	365	242	169	908	608
15	375	245	173	934	615
16	386	254	180	963	635
17	398	260	183	993	650
18	410	265	186	1,023	662
19	422	270	191	1,050	678
20	433	278	195	1,080	692
21	445	283	199	1,108	708
22	456	289	204	1,138	722
23	468	295	208	1,168	738
24	479	300	212	1,196	750
25	490	308	216	1,225	766
26	506	312	220	1,262	779
27	520	318	224	1,298	795
28	536	323	228	1,338	806
29	550	329	232	1,373	820
30	566	335	234	1,411	836
31	579	346	-	1,445	865
32 up to 182	HK$18 each additional day	HK$15 each additional day	Not Applicable	HK$45 each additional day	HK$35 each additional day

Optional Benefits5	Individual Plan (HK$)	Family Plan3 (HK$)
1. Extra Sports Equipment Benefits	40	100
2. Pet Accommodation Benefit	30 (for one pet per Insured Person)	30 (for one pet per family)

Important Notes:

1. Maximum days per trip is 182 days under Plan A / Plan B and 30 days under Plan C, each trip should be commenced in Hong Kong.
2. There is no minimum age limit for this plan. Maximum age limit is 85.
3. Family Plan cover is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip. No Family Plan offer for Plan C.
4. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
5. Optional Benefit is applicable to single trip 2 - 10 days under Plan A / Plan B.
6. No refund of the premium and levy paid once the policy document has been issued.
7. The above information is for reference only. Please refer to the policy wording for details of the coverage, terms, conditions and exclusions.
8. The Insurance Authority will collect a levy on insurance premiums (if any) from policyholders through MSIG Insurance (Hong Kong) Limited in accordance with the law. For further information about the levy imposed by the Insurance Authority, please refer to Insurance Authority Premium Levy introduction website or Fubon Bank Premium Levy introduction website.

^*Collection of Levy on Insurance Premium
The Insurance Authority (“IA”) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product factsheet are subject to levy.

The Perfect Single & Family Plans for Business or Leisure Travellers

The Perfect Single & Family Plans for Business or Leisure Travellers
In today’s business environment, with the whole world just one global village, travel is more necessary than ever no matter for business or leisure. A travel insurance plan to protect yourself during travel is absolutely vital.

MyWay Travel (Annual) Insurance provides convenience, savings and complete annual cover for you as a frequent traveller.

Online Exclusive Travel Insurance 8X Bonus Points Reward for Fubon Bank Credit Cardholders Online Exclusive Travel Insurance 8X Bonus Points Reward for Fubon Bank Credit CardholdersThe Promotional Offer is subject to Terms and Conditions. From now until 31 December 2024, you can enjoy 8X Fubon Credit Card bonus points and discount on premium# upon successfully enrolling in MyWay Travel Insurance with your Fubon Credit Card via dedicated MSIG webpage: Fubon Credit Card Click Here to enroll in MyWay Travel – Annual Travel Plan to enjoy 10% discount# on first year policy! #Terms and Conditions of the Online Exclusive Travel Insurance 8X Bonus Points Reward for Fubon Bank Credit Cardholders (“8X Bonus Points Promotion”): The promotional period is from now until 31 December 2024 (“8X Bonus Points Promotion Period”). This Promotional Offer cannot be used in conjunction with other offers. No person other than the customer who enjoys any offer and Fubon Bank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions. All matters and disputes related to this 8X Bonus Points Promotion will be subject to the final decision of MSIG Insurance (Hong Kong) Limited (“MSIG”) which reserves the right to amend relevant terms and conditions without prior notice. Travel Insurance 8X Bonus Points Reward is only applicable to the online purchase of MyWay Travel Insurance with Fubon/YATA Credit Card on the designated MSIG website during the Promotional Period (based on the completion date of transaction, issuance date of the approval code and the transaction must be posted by 7 days after the 8X Bonus Points Promotion Period). For every HK$1 card spending, cardholder shall enjoy extra 7 bonus points from the Travel Insurance 8X Bonus Points Reward in addition to the 1 bonus point granted by the Fubon/YATA Credit Card Bonus Point Program. Other transactions including but not limited to cash advance, administration fee, installment plan and finance charges are not eligible for the Travel Insurance 8X Bonus Points Reward. No bonus point will be offered to any unposted, cancelled or refunded transactions. The extra bonus point(s) under the Travel Insurance 8X Bonus Points Reward will be automatically awarded to cardholder’s principal card account (must be valid and in normal status) in March 2024 and/or July 2024 and/or November 2024 and/or March 2025 and will be shown on cardholder’s principal card monthly statement. To borrow or not to borrow? Borrow only if you can repay!

Online Exclusive Travel Insurance Premium Discount for Non Fubon Bank Credit Cardholders Online Exclusive Travel Insurance Premium Discount for Non Fubon Bank Credit CardholdersThe Promotion Offer is subject to Terms and Conditions. Successfully enroll in MyWay Travel Insurance from now until 31 December 2024 to enjoy the offers below*: Annual Travel Plan - 10% discount！ *Terms and Conditions of the Promotion: The promotional period is from now until 31 December 2024. All matters and disputes related to this Promotional Offer will be subject to the final decision of MSIG Insurance (Hong Kong) Limited (“MSIG”) which reserves the right to amend relevant terms and conditions without prior notice. This Promotional Offer cannot be used in conjunction with other offers. No person other than the customer who enjoys any offer and Fubon Bank will have any right under the Contracts (Rights of Third Parties) Ordinance to enforce or enjoy the benefit of any of the provisions of these Terms and Conditions.

COVID-19 Daily Cash Benefits (Applicable to Plan A and Plan B) COVID-19 Daily Cash Benefits (Applicable to Plan A and Plan B) From now until 31 December 2024, to enroll MyWay Travel Insurance Plan, the plan will pay you HK$500 for each full day and up to 10 days if you are diagnosed with COVID-19* and admitted to a Hospital or mandated to be quarantined during an insured trip overseas. *Pre-departure COVID-19 polymerase chain reaction (PCR) test is required, otherwise diagnosis of COVID-19 within 14 days from the start of the trip is not covered. The promotion is subject to relevant terms and conditions. The above information is for reference only. Please refer to the policy wording for details of the coverage, terms, conditions and exclusions.

To enroll or to learn more

• Call 2806 5038
• Click Here to get information and enroll in MyWay Travel – Annual Travel Plan

Coverage Highlights:

Coverage Highlights:

• Personal Accident cover up to HK$1,500,000
• Medical Expenses benefit cover emergency dental treatment, medical and surgical expenses up to HK$1,000,000
• Follow-up medical expenses after returning to Hong Kong up to HK$50,000 for a maximum period of 90 days, including registered herbalists, bonesetters and acupuncture fees up to HK$1,500 in total
• Amateur Dangerous Sports cover include hot-air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping or horse riding
• Rental Vehicle Excess cover up to HK$5,000
• Mobile Phone cover up to HK$3,000
• Travel Delay and Trip Rearrangement benefit extend to cover Bankruptcy / Winding-up of Airline
• Automatic Extension of Cover
• Family Plan covering unlimited number of children
• 24-hour Worldwide Travel Assistance Services
• No excess on all benefit

Important Notes:

1. Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong and the application of this policy should be completed before your trip commence.
2. There is no minimum age limit for this plan. Maximum age limit is 75.
3. Family Plan is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip.
4. The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
5. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
6. The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 65 years of age will be limited to 25% of the Sum Insured.
7. The 150% indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 65 years of age at the time of an accident.
8. The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 65 years of age at the time of an accident.
9. The Mobile Phone cover will not be available to those Insured Persons who are below 18 years of age insured under a Family Plan.
10. Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.

Benefits Table

Benefits Table

Benefits	Coverage	Maximum Benefits Payable (HK$)
		Plan A	Plan B
1.  Personal Accident1,2,3	Accidental Death / Permanent Total Disablement / Loss of two limbs or sight of both eyes / Permanent Total Loss of speech and hearing. (An advance payment of HK$50,000 cash relief will be paid to your legal representative in the event of your accidental death.)	1,000,000	400,000
	Loss of one limb8 or sight of one eye / Permanent Total Loss of speech or hearing.	500,000	200,000
	Cover 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy.	300,000	200,000
2.  150% Indemnity for Personal Accident4	150% indemnity for Accidental Death while you are travelling in a private car or as a fare-paying passenger on public transport (e.g. scheduled flight, train) or in any armed robbery or attempted armed robbery.	1,500,000	600,000
3.  Medical Expenses1,3	Pays for necessary medical treatment expenses and reasonable additional transport expenses if it is necessary and unavoidable for you to stay beyond your intended return date due to sickness or bodily injury abroad.	1,000,000	400,000
	Pays for follow-up medical expenses within 90 days after arrival in Hong Kong up to HK$50,000 including registered herbalists, bonesetters and acupunctures’ fees up to HK$150 per visit per day and up to HK$1,500 in total.
4.  Worldwide Travel Assistance Services7	24-hour worldwide emergency medical evacuation & repatriation after treatment.	2,000,000
	Deposit guarantee for hospital admission.	40,000 (as stated in Policy Appendix)
	Unexpected return to Hong Kong, Compassionate Visit, Children Escort Arrangements, etc.	Covered
5.  Terrorism Extension5 (Applicable to the above Benefits 1-4)	Extends to provide you with Worldwide Travel Assistance Services as well as cover in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism under Personal Accident and Medical Expenses Sections.	3,000,000
6.  Amateur Dangerous Sports Coverage6	Pays you in the event of accidental death or bodily injury while you are taking part in hot-air ballooning, scuba diving, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping and horse riding.
	Cover under Personal Accident Section	500,000	200,000
	Cover under Medical Expenses Section	500,000	200,000
7.  Trip Cancellation and Curtailment	Reimburses expenses of unused travel and accommodation (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) if your trip is cancelled or curtailed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e) or close business partner; residential fire or flooding; jury services, witness summons or compulsory quarantine of you; or if you decide to cancel your trip due to adverse weather conditions, natural disaster directly resulting in suspension of public transport, strike, industrial action, riot or mechanical and/or electrical breakdown of the public transport which results in delay in departure from Hong Kong for not less than 24 hours.	45,000	20,000
	For Black Alert under the Outbound Travel Alert System: Pays up to HK$300 administration charge billed by the travel agent if your trip is cancelled or curtailed; Reimburses additional transport expenses if you are forced to leave the city you are staying for another city in order to return to Hong Kong; Pays HK$1,000 cash allowance if you must stay overnight in another city waiting for necessary transport to return to Hong Kong.
8.  Travel Delay	Pays HK$250 for each period of 6 hours of delay if the arrival/departure of public transport is delayed as a result of strike or industrial action, riot, hijack, adverse weather conditions, natural disaster directly resulting in suspension of public transport or mechanical and/or electrical breakdown of the public transport; or your trip is delayed due to serious bodily injury, serious sickness or death of you, your immediate family members, fiancé(e) or close business partner travelling with you abroad.	2,000	1,500
9.  Trip Rearrangement	Reimburses unused travel and accommodation deposits (including overseas local tour package or admission tickets to any major sporting event, concert or theme park etc.) you have paid or payments for which you are legally obliged to pay, or reimburses additional transport and/or accommodation expenses incurred, and which are not recoverable from any other source in reaching your planned destination, or for your return trip to Hong Kong if your trip is unavoidably re-routed due to strike or industrial action, riot, hijack, adverse weather conditions or natural disaster directly resulting in suspension of public transport.	5,000	3,500
	Pays for accommodation expenses up to HK$1,000 per day.
10.  Bankruptcy / Winding-up of Airline	Reimburses unused travel and accommodation deposits you have paid or payments for which you are legally obliged to pay, or the additional expenses necessarily and reasonably incurred for purchasing an alternative travel ticket, which are not recoverable from any other source in reaching your planned destination or for your return trip to Hong Kong if your trip is unavoidably re-routed as a direct result of the airline that you have arranged publicly announces its bankruptcy or winding-up.	2,000	1,000
11.  Loss of Baggage	Pays for accidental loss of or damage to personal baggage.	25,000	15,000
	Sub-limits:   Per single article, pair or set of articles	3,000	3,000
	Valuables or all sports equipment	10,000	10,000
	Mobile phone9	3,000	N/A
12.  Delayed Baggage	Pays for the cost of emergency purchase of essential clothing or toiletries if your baggage is delayed for more than 6 hours on the outward journey.	1,500	1,000
13.  Personal Money, Documents and Additional Accommodation Expenses	Reimburses the replacement cost of HK identity card, credit cards, driving licence, travel tickets, hotel vouchers or passport if these documents are lost or stolen while you are abroad.	10,000	5,000
	Pays for additional travel and accommodation expenses which are necessary to obtain a replacement passport if your passport is lost or stolen while you are abroad. The accommodation expenses up to HK$1,000 per day.
	Cover the loss of cash or travelers cheques directly arising from theft, robbery or burglary during the Period of Insurance9.	3,000	2,000
14.  Personal Liability	Pays for any amount which you become legally liable to pay as compensation for an accident occurring which causes bodily injury to any other person or damage to property.	2,500,000
15.  Rental Vehicle Excess	Pays an excess which you become liable to pay under the agreement with licensed rental company for loss of or damage to the vehicle that you rent.	5,000
16.  Automatic Extension of Cover (Applicable to the above Benefits 3, 8 and 9)	Cover is automatically extended free of charge up to 14 days in the event of delays due to unforeseen events covered under Travel Delay and Trip Rearrangement Sections. Cover is automatically extended free of charge up to 30 days in the event of delays due to bodily injury or illness covered under Medical Expenses Section.	Covered

Notes:

1	The maximum indemnity under Personal Accident and Medical Expenses Sections for an Insured Person who is over 65 years of age will be limited to 25% of the Sum Insured.
2	The maximum indemnity under Personal Accident Section for the Insured Person who is under 18 years of age will be limited to HK$250,000.
3	For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
4	The 150% indemnity benefit under Personal Accident Section will not be available to those Insured Persons who are under 18 or over 65 years of age at the time of an accident.
5	Any acts of terrorism involve the use of biological, chemical agents or nuclear devices are excluded.
6	The Amateur Dangerous Sports Extension under Personal Accident Section and Medical Expenses Section will not be available to those Insured Persons who are over 65 years of age at the time of an accident.
7	24-hour Worldwide Travel Assistance Services are available outside the Country of Residence. Country of Residence will be regarded as Hong Kong.
8	"Loss of one limb" is defined in the policy as loss by physical severance at or above the wrist or ankle or the total loss of use of an entire hand, arm, foot or leg.
9	This benefit is not applicable to Insured Person(s) who is(are) below 18 years of age and insured under a Family Plan.

Premium Table*

Premium Table^*

Plan	Personal Accident Sum Insured (HK$)	Annual Premium (HK$)
		Individual Plan (HK$)	Family Plan3,4(HK$)
Plan A	1,000,000	2,000	4,500
Plan B	400,000	1,500	3,500

Important Notes:

1. Maximum days per trip is 90 days, each trip should be a round-trip commencing in Hong Kong.
2. There is no minimum age limit for this plan. Maximum age limit is 75.
3. Family Plan cover is only applicable to a legally married couple and any number of your child(ren) under 18 years of age. Child(ren) under 12 years of age must be accompanied by a parent or a guardian in the insured trip.
4. For Family Plan, the maximum indemnity under Personal Accident Section will be limited to HK$1,500,000 and the maximum indemnity under Medical Expenses Section will be limited to HK$3,000,000 for all of the Insured Persons who are under 18 years of age.
5. The above information is for reference only. Please refer to the policy wording for details of the coverage, terms, conditions and exclusions.
6. The Insurance Authority will collect a levy on insurance premiums (if any) from policyholders through MSIG Insurance (Hong Kong) Limited in accordance with the law. For further information about the levy imposed by the Insurance Authority, please refer to Insurance Authority Premium Levy introduction website or Fubon Bank Premium Levy introduction website.

^*Collection of Levy on Insurance Premium
The Insurance Authority (“IA”) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product factsheet are subject to levy.