| No matter you travel for pleasure or for business purpose, PRUchoice Travel definitely provides the most comprehensive protection to you. We cover your medical expenses, loss of baggage, loss of money and your personal liability during the trip. In addition, we provide up to HK$1,000,000 personal accident protection. If you have to curtail the trip due to reasons beyond your control, or your trip is delayed due to unavoidable causes like strike and industrial action, we will compensate you the cost that incurred. |
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Insurance Cover at a Glance
(No Excess for All Sections) |
Maximum Limits
(HK$)
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| 1. Medical Expenses |
1,000,000
|
| - |
Medical expenses, hospitalization charges, emergency transportation to a registered medical institution, additional accommodation and transportation expenses necessarily incurred outside Hong Kong |
| - |
A hospital cash benefit if necessarily confined in a hospital abroad for more than 24 hours during the trip |
| - |
Follow-up medical expenses necessarily incurred within 3 months after return to Hong Kong (inclusive of bonesetting expenses of HK$150 per day and HK$1,500 per person) |
| - |
Additional accommodation and transportation expenses of a relative or friend who is required on medical advice to travel or remain behind with you |
| (For Insured Person aged 71 to 75, the maximum limit of this section is HK$500,000) |
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10,000 (200/day)
50,000
20,000
|
| 2. Personal Accident |
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| - |
Benefit for accidental death / permanent total disablement from any occupation/loss of one or more limbs or one or both eyes
(For Insured Person aged 71 to 75, and those aged 18 or below, the maximum limit is HK$500,000.) |
| - |
Benefit for accidental Third Degree Burns
(For Insured Person aged 71 to 75, and those aged 18 or below, the maximum limit is HK$250,000. ) |
| - |
Indemnity for burial or cremation expenses in case of accidental death |
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1,000,000
500,000
20,000
|
| 3. 24 Hours Emergency Assistance Services |
Unlimited
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| - |
Should you need assistance, you can contact IPA Alarm Centre for emergency assistance : |
- Medical evacuation
- Repatriation to Hong Kong
- Repatriation of mortal remains/ashes
- Arrangement of medical equipment / medication
- Dispatch of physician
- Travel and medical information, legal and interpreter referral
- Hospital deposit guarantee, up to HK$39,000
|
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| 4. Baggage and Personal Effects |
20,000
|
| - |
Accidental loss of or damage to your baggage or personal effects |
| - |
Compensation will be on a "new for old" basis if the item is less than 2-year-old |
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(3,000/item/pair/set)
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| 5. Personal Money / Unauthorized Use of Credit Card |
|
| - |
Protection against accidental loss of money and traveller's cheque. We also pay for the cost of obtaining replacement passports and other travel documents |
| - |
Loss due to unauthorized use of credit card |
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3,000
3,000
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| 6. Cancellation |
30,000
|
| - |
Reimbursement for irrecoverable prepaid deposits if the trip is necessarily and unavoidably cancelled |
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| 7. Curtailment |
50,000
|
| - |
Reimbursement for prepaid and unused section of your trip if you have to curtail your trip due to reasons beyond your control |
| - |
Additional accommodation expenses necessarily incurred to obtain lost travel document arising from robbery, burglary or theft |
| - |
Additional accommodation and transportation expenses to Hong Kong necessarily and unavoidably incurred as a result of death, injury or illness of your close relatives in Hong Kong; or as a result of hi-jack or riot which first occurs during the trip |
|
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| 8. Re-Routing |
20,000
|
| - |
Reimbursement for irrecoverable deposits or charges paid in the event of cancellation / curtailment of the trip as a result of travel delay, or |
| - |
Additional accommodation and transportation expenses necessarily incurred as a direct consequence of travel delay due to strike, industrial action, hi-jack, adverse weather conditions, earthquake, tsunami, mechanical or structural defect, closure of airport, port or train station for more than 8 hours if you have to re-route your trip |
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| 9. Travel Delay |
1,800
|
| - |
If your aircraft, train or sea vessel is delayed due to strike, industrial action, hi-jack, adverse weather conditions, earthquake, tsunami, mechanical or structural defect, closure, of airport, port or train station for more than 5 hours and you choose not to cancel/ curtail/ re-route your trip, we will pay you HK$200 for the first full 5 hours delay and HK$400 for each subsequent 8 hours. |
| - |
If you are unavoidably delayed in the course of your scheduled itinerary, this insurance cover will be automatically extended for a maximum period of 10 days |
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| 10. Delayed Baggage |
1,500
|
| - |
Compensation for essential items such as clothing or toiletries in the event of delayed baggage for more than 8 hours from time of arrival at destination abroad due to mishandling by airline or hi-jack |
|
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| 11. Personal Liability |
1,500,000
|
| - |
Indemnity for legal liability for bodily injury or property damage to a third party as a result of your negligence |
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