澄清声明 / 澄清聲明
针对近期本公司接连收到有关保单交易的查询，本公司从未授权有关人等以本公司名义招揽订立保险投资协议，有关人等的行为或涉嫌误导消费者、欺诈等不法行为。为维护本公司商誉及权益，本公司特此声明并澄清如下：
1、 本公司从未承保此类担保业务，亦从未授权任何人士对外招揽投资，此疑为第三者利用本公司之良好商誉，以图进行诈骗；该等人士所涉及之任何投资招揽行为，与本公司一概无关。如涉及不法行为及＼或侵犯本公司相关权利，本公司将采取一切必要的法律措施维护本公司的权益。
2、 以上严正声明，以正视听，并特别呼吁投资者提高警觉，审慎确认相关交易，切莫误信造成损害。
如任何人士因上述交易而招致任何损失，本公司一概不负责，并保留一切追究权利。
中国人民保险（香港）有限公司谨敬針對近期本公司接連收到有關保單交易的查詢，本公司從未授權有關人等以本公司名義招攬訂立保險投資協議，有關人等的行為或涉嫌誤導消費者、欺詐等不法行為。為維護本公司商譽及權益，本公司特此聲明並澄清如下：
1、 本公司從未承保此類擔保業務，亦從未授權任何人士對外招攬投資，此疑為第三者利用本公司之良好商譽，以圖進行詐騙；該等人士所涉及之任何投資招攬行為，與本公司一概無關。如涉及不法行為及＼或侵犯本公司相關權利，本公司將採取一切必要的法律措施維護本公司的權益。
2、 以上嚴正聲明，以正視聽，並特別呼籲投資者提高警覺，審慎確認相關交易，切莫誤信造成損害。
如任何人士因上述交易而招致任何損失，本公司一概不負責，並保留一切追究權利。
中國人民保險（香港）有限公司謹敬Reservation consultants
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Personal insurance
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Travel
What is travel insurance
The company's travel insurance provides you with comprehensive travel protection, without any "deductible", to ensure that you and your family can enjoy a relaxing carefree journey.
Features
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No deductibles for each protection
No deductibles for medical expenses, change of trip delay, loss of personal and family property, personal liability, damage/loss of car rental, etc
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Double indemnity protection
If the insured person dies or suffers permanent and complete disability as a result of travelling by public transport, the personal accident benefit is calculated in double amount up to HK$2,000,000.(Only applicable to single trip insured aged 18-70)
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Protect your home and personal belongings from loss or theft
Protection against loss or theft of carry-on baggage, cash, travel documents, mobile phones, etc
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Year-round insurance, premium savings and exclusive automatic renewal service
If you are a frequent traveller or business traveller, you can opt for an annual insurance plan to save on premiums and avoid the inconvenience of taking out insurance one by one. You only need to pay the premium required for the next policy year and the policy will be automatically renewed
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Cover delays, missed trips, overbooking and reroute changes
Cover reroutes changes due to the delays of aircraft, trains or ships;Cover the cost of accommodation and meals if you miss the trip;To cover the cost of extra room, board and meals incurred by over-booking and not being able to continue to book the trip;If your journey is blocked, you will need to pay additional accommodation and travel expenses to return to your original route
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Free protection for dangerous activities
Provides support for kite flying, speedboat, water motor cycle, mountain climbing, mountaineering, hot air balloon, scuba diving, winter sports, water skiing, jet skiing, sailing, windsurfing, sling jumping, horse riding and other dangerous activities.(Not applicable to professional athletes or insured persons aged 18-70 years who are participating in a competition and only for single trip scheme)
Coverage
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Plan A
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Plan B
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China Plan
Coverage
Medical ExpensesCovers medical expenses (including hospitalization) as a result of accident or sickness during the journey including
(a) Overseas Hospital Cash Benefit(per day/maximum limit)
(b) Compulsory Quarantine Cash Benefit during the journey or within 7 days after returning to Hong Kong due to Infectious Disease
(c) follow up medical treatment within 3 months of returning to Hong Kong due to
i. accidental bodily injury
ii.sickness
including Chinese herbalists and bonesetters fees-per visit per day/maximum limit
* Children aged under 18 and Insured Person aged over 70 will receive 25% and 50% of the maximum limit respectively.
Personal Accident
(a) Death or permanent total disablement *
Double Indemnity Protection while traveling on public conveyance
* Children aged under 18 and Insured Person aged over 70 will receive 25% and 50% of the maximum limit respectively
(b) Major burn(third degree burn of 5% or more of total body surface area)
(c) Cash relief in the event of death due to accident
(d) immediate cash relief in the event of death due to sickness
Baggage Personal EffectsPersonal baggage and property suffered loss or damage
(a) Sub-limit for mobile phone
(b) Maximum Limit for any one item or pair
Baggage Delay
emergency purchase of essential items if your baggage is delayed for more than 6 hours
Personal Money Travel Documents
(a) loss of personal money and unauthorized use of credit cards
(b) replacement cost of travel documents and additional travel and accommodation expenses reasonably incurred for the sole purpose of obtaining a replacement travel document
Personal Liability
Indemnify you for legal liability to third parties for accidental bodily injury or property damage together with associated legal costs and expenses
Travel Delay, Missed Journey, Overbooking Re-routing
(a) The Company will pay for each 6 full hours delay of aircraft, train or sea vessel (per 6 hrs/maximum limit)
(b) re-routing in order to get to the original destination
(c) Reimburse the reasonable accommodation and meal expenses due to missed journey (if not compensated by any third party)
(d) Reimburse the reasonable accommodation and meal expenses due to overbooking (if not compensated by any third party)
(e) Reimburse the reasonable accommodation and travelling in reverting to original itinerary following an interruption
Loss of Deposit or Cancellation
Reimburse irrecoverable prepaid deposits if it is necessary and unavoidable for you to cancel your journey
Trip Curtailment
Reimburse the prepaid and unused section of your journey if you have to curtail your journey due to reasons beyond your control
Credit Card Protection Benefit
In the event of death of an Insured Person as a result of an Accident, the Company will reimburse the outstanding amount charged to the Insured Person’s credit card account for goods purchased by the Insured Person during the Journey
Rental Vehicle Excess
In the event of you become liable to pay under the vehicle rental agreement, you will have indemnity of HK$5,000 per policy.
Loss of Home Contents
In the event of burglary while you are traveling away from home, your home contents will also be protected up to HK$30,000.
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Maximum coverage (per person)
HK$1,000,000
HK$500/HK$5,000
HK$500/HK$5,000
Unused balance
HK$75,000
HK$150/HK$3,000
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HK$1,000,000
HK$2,000,000
HK$300,000
HK$50,000
HK$20,000
HK$25,000
HK$2,500
HK$5,000
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HK$1,000
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HK$3,000
HK$10,000
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HK$3,000,000
HK$10,000
HK$300/HK$2,000
HK$10,000
HK$10,000
HK$5,000
HK$5,000
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HK$50,000
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HK$50,000
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HK$20,000
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HK$5,000
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HK$30,000
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Maximum coverage (per person)
HK$500,000
HK$300/HK$3,000
HK$300/HK$3,000
Unused balance
HK$50,000
HK$150/HK$3,000
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HK$500,000
HK$1,000,000
HK$150,000
HK$25,000
HK$10,000
HK$10,000
HK$1,500
HK$3,000
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HK$800
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HK$2,000
HK$6,000
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HK$1,500,000
HK$5,000
HK$250/HK$1,500
HK$5,000
HK$5,000
HK$2,500
HK$3,000
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HK$25,000
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HK$50,000
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HK$15,000
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HK$5,000
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HK$30,000
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Maximum coverage (per person)
HK$300,000
Do not apply
Do not apply
Unused balance
HK$30,000
HK$150/HK$3,000
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HK$300,000
HK$600,000
HK$100,000
HK$10,000
HK$6,000
HK$5,000
HK$1,000
HK$1,000
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HK$500
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HK$1,000
HK$2,000
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HK$750,000
HK$2,000
HK$200/HK$600
HK$2,000
HK$2,000
HK$1,000
HK$1,000
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HK$5,000
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HK$5,000
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HK$10,000
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HK$5,000
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HK$30,000
24-Hour Worldwide Emergency Assistance Services
Dedicated emergency assistance hotline to provide immediate assistance whenever you encounter any accident during your overseas trip. Services include Medical Evacuation, Repatriation, Deposit Guaranteeing of Hospital Admission, Travel Information etc. (Note: This service is provided by Inter Partner Assistance. You may need to bear the cost of services, if any, being incurred.)
Notes
Special Notes:
1.Optional One Way Cover
For Insured Person(s) not returning to Hong Kong, cover terminates no later than 7 days from scheduled time of arrival at the country of final destination or expiry of the original declared period of insurance, whichever is the earlier (Only applicable to Single Travel Plan).
2.Maximum Duration of Journey(s)
Single journey – maximum 182 days Annual Cover – unlimited number of journey – maximum 90 days for each journey
Year-round coverage (unlimited number of trips), with a maximum duration of 90 days per trip
3.Age Limit
From 6 weeks up to the age of 80 before the inception of the journey
4."Outbound Travel Alert (OTA) System"
The Security Bureau of the Government of HKSAR has launched the “Outbound Travel Alert (OTA) System” which uses amber, red and black signals to differentiate among different levels of risk. This system will cover the countries which are more popular travel destinations for HKSAR residents aiming to help HKSAR residents better understand the risk or threat to personal safety in travelling overseas.
5.Definitions
Child/Children refers to the dependent and unmarried child/children who are aged between 6 weeks and under 18 years old as named in the Policy Schedule.
Family refers to Insured Person, his/her spouse and children (irrespective of the number) travelling with the Insured Person and/or his/her spouse for the entire period.
6.Basis of Indemnity
Payable is on a “per journey basis” (except for “Personal Accident” benefit under the Annual Travel Plan which is payable on a “per policy year basis”).
Main Exclusions:
1.Pre-existing medical conditions
2.Travelling contrary to doctors advise or for the purpose of obtaining medical treatment
3.Pregnancy, miscarriage of child birth and all complications thereof
4.Activities engaging in sports or games in a professional capacity
5.Racing (other than on foot), motor rallies and competitions
6.Any manual work engaged in during the period of insurance
7.Self-inflicted injury, illness or under the influence of alcohol or drugs
8.Venereal disease or sexually transmissible diseases including AIDS and ARC
9.War, invasion, act of foreign enemies or hostilities
10.Nuclear hazards or radioactivity
File download
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Download of Application form
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Standard Terms download
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Reservation consultants
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