Get “Z” Go Travel Insurance Plan

Get “Z” Go Travel Insurance Plan

Get “Z” Go Travel Insurance Plan offers single trip travel plan and annual travel plan. Each plan has three plan levels for your selection according to your needs.



To enroll or to learn more

  • Call 2806 5038
  • Click Here to enroll in Get “Z” Go – Single Trip Travel Plan
  • Click Here to enroll in Get “Z” Go – Annual Travel Plan

 


Supreme Plan – worry-free coverage

Supreme Plan – worry-free coverage
  • Cover is not limited to specified events for “Travel Delay Allowance” and “Journey Inconvenience Cover” to maximize coverage with minimal exclusions and conditions
  • Enjoy “On-time Guarantee Allowance”
  • Aged 76 or above can enjoy 100% full coverage for free for single trip travel plan3
  • Free cover for Marathon and bike tour3
  • Personal accident and medical expenses cover up to HKD1,500,00010
  • Allow additional top-up for personal accident and medical expenses cover12


Elite Plan – multiple coverage

Elite Plan – multiple coverage
  • Multiple cover on personal property including:
    - accidental loss of or damage to mobile phone, laptop computer, other personal belongings
    - loss of personal money
    - replacement cost of loss of travel documents and/or travel ticket
  • Personal accident and medical expenses cover up to HKD1,000,000


Breezy Plan – basic coverage

Breezy Plan – basic coverage
  • Personal accident and medical expenses cover up to HKD500,000
  • Travel delay allowance for every 6-hour delay
  • Cover loss of personal belongings up to HKD5,000


Single Travel Plan5
Annual Travel Plan6
•  Protection for a single trip within 180 days
•  All age cover
•  Protection for frequent travelers
•  Cover unlimited trips throughout a year
•  Maximum 90 days for each insured journey
•  Enjoy MediExpress China Medical Card service which provides guarantee for admission to an appointed hospital in China (only applicable to adult)
•  Cover up to age 75

Maximize 1+1 synergy

Maximize 1+1 synergy
  • Each adult can enjoy one accompanied child1 covered for free to maximize 1+1 synergy2
  • Enjoy unlimited number of 1+1 travellers
  • No restriction on relationships to protect your friends, families and relatives in one single policy at ease


Protection without age limit

Protection without age limit
  • No upper age limit for single trip travel plan
  • Aged 76 or above can enjoy 100% sum insured without additional premium for single travel plan3


No worries for travel interruption

No worries for travel interruptionMultiple protection covers your pre-trip period until your return to Hong Kong:
  • pre-trip/during the journey
    - enjoy on-time guarantee allowance for over 3-hour delay3
    - enjoy travel delay allowance for every 6-hour delay
    -
    cover irrecoverable prepaid and unused, or additional costs incurred due to trip cancellation or interruption (e.g. hotel cost, transportation or event tickets cost, car rental, etc.)
    - cover costs related to re-routing, trip cancellation, or overseas extra/ forfeited hotel cost overseas due to travel delay4
    - flexibility to change policy cover period if there is a change in travel plan (for same duration and same travelers only)


  • in case your trip is interrupted and you are unable to return to Hong Kong as scheduled
    - free travel insurance extension up to 10 days
    - cover all irrecoverable additional costs incurred due to trip interruption


Worry-free cover anytime anywhere

Worry-free cover anytime anywhereNo matter you are a leisure traveller or an adventurer, you may enjoy your trip with extra peace of mind.
  • free cover for Marathon and bike tour3
  • cover various amateur activities
  • cover on accident and losses due to terrorism
  • Well covered follow-up medical expenses up to 100% sum insured for accidental injury and no daily limit on Chinese medicine/chiropractic treatment
  • cover all countries under the same premium
  • cover for Outbound Travel Alert issued against the travel destination before or during the journey
  • third party liability cover and rental vehicle excess including non-operating charge (NOC)
  • cover accidental loss or damage of mobile phone4
  • provide 24-hour global emergency assistance services to help you during difficult times


Optional benefits

Optional benefitsTailor your plan according to your needs
  • Full coverage for accompanied child2
  • Additional personal accident and medical expenses cover3 (only applicable to adult for Supreme Plan) – upgrade your coverage to a maximum of HKD2,000,000 per section


Travel with extra peace of mind with COVID-19 protection

Travel with extra peace of mind with COVID-19 protectionPre-trip
Cancellation of trip
Cover your unrecoverable prepaid and unused overseas travel costs in case of trip cancellation due to:
  • you or your travel companion have contracted COVID-19 within 7 days before the departure date
  • your household member has contracted COVID-19 and you are classified as a close contact and are required to undergo mandatory quarantine7 within 7 days before the departure date
  • your residential building is under restriction-testing declaration within 1 day before the departure date


During the journey
Medical cover
  • Cover medical expenses incurred due to injury or illness (including COVID-19) and provide overseas hospital daily cash benefit4
  • Provide compulsory quarantine cash allowance3 if you are required to undergo unexpected compulsory quarantine8


Interruption of trip
  • Reimburse your unrecoverable prepaid and unused expenses or additional overseas travel costs if you have to abandon or rearrange your trip due to contraction of COVID-19
  • Reimburse your additional hotel accommodation expenses4 overseas due to unexpected mandatory quarantine7
  • Zurich Care Protection safeguards your home contents, pets, children and elderly and missed event in Hong Kong during the extended period if your trip is interrupted8,9


Post trip quarantine in Hong Kong
Medical cover
  • Provide compulsory quarantine cash allowance3 due to unexpected compulsory quarantine by the Hong Kong Government within 3 days upon completion of the insured journey and returning to Hong Kong
  • Zurich Care Protection also protects you if such compulsory quarantine by the Hong Kong Government is required
  • Cover follow-up medical expenses for illness (including COVID-19) within 3 months upon completion of the insured journey returning to Hong Kong


Zurich Care Protection
  • Home: protect your home contents against burglary or fire
  • Pet: cover the additional accommodation expenses of your pets
  • Child and Elderly: reimburse the additional costs of hiring a personal care worker or temporary accommodation in a childcare or elderly care centre
  • Missed event: cover prepaid, unused and unrecoverable costs of your missed events, such as staycation or concert, etc.


Group travel discount

Group travel discount Enjoy premium discount when enrolling as a group
  • 10% premium discount for 7 to 12 persons
  • 15% premium discount for over 12 persons


Benefits Table

Benefits Table

Section

Benefits
Maximum benefits per adult per insured journey (HKD)
Supreme Plan
Elite Plan
Breezy Plan
1 Medical Cover
(a) Medical expenses
– age 75 or below 1,500,00010 1,000,000 500,000
– age 76 or above 1,500,00010 500,000 250,000
Including:
– follow-up for injury 100% of maximum benefits
– follow-up for illness 10% of maximum benefits
– follow-up for Chinese medicine or chiropractic treatment 3,000
– Overseas travelling expense for seeking medical treatment 300
(b) Compassionate death cash 15,000 10,000 Not applicable
(c) Overseas hospital daily cash benefit 5,000 (500 per day) 3,000 (300 per day) Not applicable
(d) Daily cash allowance due to unexpected compulsory quarantine 5,000 (500 per day) Not applicable Not applicable
2 Zurich Emergency Assistance
(a) Deposit guarantee for hospital admission 39,000
(b) Emergency medical evacuation Actual cost
(c) Repatriation of mortal remains Actual cost
(d) Compassionate visit One economy class round-trip travel ticket and hotel accommodation expenses up to 700 per day (max. 5 days)
(e) Travelling and accommodation expenses One economy class one-way travel ticket and hotel accommodation expenses up to 1,950 per day (max. 4 days)
(f) Return of unattended children One economy class one-way travel ticket and up to 30,000
(g) 24-hour telephone hotline and referral services Included
(h) MediExpress China Medical Card service Included (applicable to annual travel plan and insured adult only)
3 Accident Cover
(a) Personal accident
(i) Accident on public common carrier or during terrorism
– age 75 or below 1,500,000 1,000,000 500,000
– age 76 or above 1,500,000 400,000 200,000
(ii) Other accidents
– age 75 or below 1,000,000 800,000 400,000
– age 76 or above 1,000,000 400,000 200,000
(b) Burns accident 500,000 200,000 Not applicable
4 Personal Property Cover
(a) Personal belongings, including the following sub-limits: 20,000 15,000 5,000
– per set/item/pair 3,000
– mobile phone (one per insured journey) 3,000 3,000 Not applicable
– all cameras and camcorders and related accessories and equipment 5,000 5,000 3,000
– laptop computer 10,000 10,000 Not applicable
(b) Loss of personal money 3,000 2,000 Not applicable
(c) Replacement cost for loss of travel document and/ or travel ticket 3,000 2,000 Not applicable
5 Delay Cover
(a) Travel delay allowance (HKD300 for every 6 hours)11 2,000 1,000 300
– Cover is not limited to specified events Applicable Not applicable Not applicable
(b) Baggage delay allowance (over 6 hours) 800 500 Not applicable
(c) On-time guarantee allowance (over 3 hours) 300 Not applicable Not applicable
6 Journey Inconvenience Cover11
– Cover is not limited to specified events Applicable
(subject to policy exclusions)
Not applicable Not applicable
(a) Cancellation of trip 40,000 20,000 5,000
(b) Interruption of trip 40,000 20,000 5,000
(c) Hotel cost due to travel delay (over 6 hours) 2,000 1,000 Not applicable
(d) Cancellation of trip due to travel delay (over 12 hours) 5,000 2,500 Not applicable
(e) Hotel cost in overseas due to unexpected quarantine 50% of hotel cost up to 1,000 per room per day (max. 7 days) Not applicable
7 Liability Cover
(a) Personal liability 2,500,000 2,000,000 1,000,000
(b) Rental vehicle excess 15,000 10,000 Not applicable
8 Zurich Care Protection (applicable to Single trip travel plan only)
(a) Home protection 5,000 Not applicable
(b) Pet protection
(c) Child and elderly protection
(d) Missed event protection
Free Extended Cover on Bike Tour and Marathon Applicable Not applicable Not applicable
Optional Benefits12
Optional Benefit 1 - full coverage for accompanied child Applicable
Optional Benefit 2 - additional personal accident & medical expenses cover 1,000,000 or 2,000,000 Not applicable Not applicable


Single trip travel plan

Single trip travel plan
 
Premium (HKD)
Supreme Plan
Elite Plan
Breezy Plan
Day
Adult13 / Child14
Optional benefit 1 / Additional accompanied child15
Adult13 / Child14
Optional benefit 1 / Additional accompanied child15
Adult13 / Child14
Optional benefit 1 / Additional accompanied child15
1
178
53
143
43
80
25
2
208
63
153
46
90
30
3
238
73
173
53
100
35
4
308
93
233
73
120
40
5
348
103
273
83
160
55
6
398
113
323
96
210
60
7
418
123
348
103
220
65
8
438
133
383
113
230
70
9
468
143
393
116
240
75
10
498
153
413
123
260
80
11
558
163
458
136
270
85
12
578
173
493
146
290
90
13
618
183
523
156
300
95
14
658
193
553
166
310
100
15
718
213
613
183
350
105
16 - 20
758
233
643
193
400
120
21 - 25
848
253
713
213
450
135
26 - 30
948
283
813
243
480
145
Each additional day
42
13
30
9
22
7


Optional benefit 2 – Additional personal accident and medical expenses cover (applicable to adult for Supreme Plan only)

Optional benefit 2 – Additional personal accident and medical expenses cover (applicable to adult for Supreme Plan only)
Day
Premium (HKD)
HKD1,000,000 per section
HKD2,000,000 per section
1-5
65
100
6-10
140
200
11-15
210
320
16-20
270
420
21-25
330
530
26-30
400
650
Each additional 5 days
80
120


Annual travel plan16

Annual travel plan16
 
Premium (HKD)
Supreme Plan
Elite Plan
Breezy Plan
Adult13 / Child14
2,890
2,280 1,480
Optional benefit 1 / Additional accompanied child15
868
688 448
Optional benefit 2 – Additional personal accident & medical expenses cover (applicable to adult for Supreme Plan only)
HKD1,000,000 per section
980
Not applicable
HKD2,000,000 per section
1,480


Free Outbound Travel Alert (OTA) Benefit

Free Outbound Travel Alert (OTA) Benefit
Benefits
Red OTA
Black OTA
Before departure
Cancellation of trip
Up to 50% of maximum benefits Up to 100% of maximum benefits
During journey
Interruption of trip
Up to 50% of maximum benefits Up to 100% of maximum benefits
Cash allowance
For involuntary stay behind due to Black OTA after the journey has begun
Not applicable HKD500 per day (up to 10 days)

Remarks:
  1. The OTA benefit is only applicable to the destination(s) where the Red or Black OTA is/are not hoisted by the HK Security Bureau on policy effective date.
  2. Benefit on cancellation or interruption of trip is in accordance to policy terms and conditions.


Footnotes:
1Benefits of accompanied child is 50% of an adult (unless the “Full coverage for accompanied child” in optional benefit is selected).
2Not applicable to group or corporate application.
3Only applicable to Supreme Plan.
4Only applicable to Elite Plan and Supreme Plan.
5Single trip travel plan offers cover for single trip within 180 days for all ages.
6Annual travel plan covers up to aged 75 with unlimited trips throughout a year, subject to maximum 90 days for each insured journey.
7Mandatory quarantine means that you must undergo such quarantine or else you will be liable on conviction of a fine and/or imprisonment if you do not comply with such quarantine restriction and regulation. You must submit a written notice from the relevant government with details of the quarantine requirements including your name, reason, dates and duration.
8Compulsory quarantine means that you are being confined in an isolated ward of a hospital or kept in an isolated site appointed by the government for at least one full day and continuously stay in there until discharged from the quarantine.
9Please refer to Section 6(b) in the policy document for details of the covered events, including both COVID-19 related perils and other covered perils.
10The maximum amount insured for COVID-19 related medical expense is HKD1,500,000.
11You can only claim for one of these benefits.
12Not applicable to COVID-19 related losses.
13Adult refers to any insured person aged 18 or above, each accompanied child travelling with an adult can enjoy coverage for free and the benefits of accompanied child is 50% of an adult (unless the “Full coverage for accompanied child” in optional benefit is selected).
14Child refers to insured person aged 17 or below who travel alone.
15Each accompanied child travelling with an adult can enjoy free coverage while additional accompanied child will be charged according to the premium table (if any).
16Age limit for annual travel plan is up to 70 years old and the maximum renewal age is 75 years old.

Please call Fubon Bank Enrollment Hotline 2806 5038 during office hours* for more details.

 

*Office hours: Monday to Friday: 9am to 9pm (except public holidays).

Terms and Conditions

Major exclusions:

1.  Any known events and conditions;
2.  riding or driving in any kind of motor racing; or competition; or engaging in a sport in a professional capacity; or any activities where you would or could earn income or remuneration from engaging in such activities;
3.  trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level;
4.  activities involves a high level of expertise, or exceptional physical exertion, or exposure in extreme environment, or use of specialised gear or equipment;
5.  suicide or intentional self-inflicted injury;
6.  mental disorders, under the influence of alcohol or drugs;
7.  pregnancy, childbirth;
8.  war, civil war, rebellion, insurrection, revolution, usurped power, military force or coup.

Important notes:

1.  The insurance is not applicable to person holding the People’s Republic of China passport and travels to/within China, unless he/she has an official document issued by the overseas Government (other than China) as proof that he/she is a legal resident of the respective country but travelling with a passport of the People’s Republic of China.
2.  For annual travel plan, all trips must depart from and return to Hong Kong.
3.  For single trip travel plan, if the insured journey is not departing from Hong Kong, the travel arrangements must be made and paid in Hong Kong. However, any follow-up medical expenses under Section 1(a) – Medical expenses of the policy shall not be available to the insured journey which is not departing from and returning to Hong Kong.
4.  For one-way single trip travel plan, the insured journey shall not exceed seven days upon arrival at the declared overseas final destination. If the declared final destination is Hong Kong, the policy shall cease after the insured person checks out from the Hong Kong immigration counter upon arrival.
5.  No refund of premium is allowed once the policy is issued for single trip travel plan.
6.  The policy does not cover any loss resulting directly or indirectly from COVID-19 which is diagnosed within seven days after the enrollment date. For annual travel plan, it means in respect of each insured journey, either (i) the date of acceptance of the enrollment for this policy by the insurance underwriter or (ii) the date stated on the receipt issued by the travel agent or public common carrier for the confirmation of payment of travel ticket or tour, whichever is the later.
7.  The insured must fulfil the entry rules and conditions including vaccination requirement both in Hong Kong and your planned travel destination(s), otherwise, no coverage of the policy shall be provided, and no benefits shall be paid under this policy.
8.  The above information is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency.
9.  Zurich Insurance Company Ltd (“Zurich”) is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. Zurich is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters.
10.  Zurich is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”).
11.  Fubon Bank is the licensed insurance agency appointed by Zurich, and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for approval, coverage and compensation under the Plan.
12.  In case you file a written complaint regarding the selling process or processing of the related transaction to Fubon Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, Fubon Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after Fubon Bank has issued the final written reply. If the complaint/dispute is related to the policy terms and conditions, it should be resolved directly between Zurich and you.
13.  Levy collected by the Insurance Authority (if any) has been imposed on this policy at the applicable rate and would be remitted in accordance with the prescribed arrangements. For further information, please visit Zurich's company website: http://www.zurich.com.hk/ia-levy.
14.  Zurich is a company incorporated in Switzerland with limited liability and its principal place of business in Hong Kong is at 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong.
15.  The English version shall prevail in case of inconsistency between the English and Chinese versions.
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