The policy provides cover for unlimited number of journeys made during the insurance period. Each journey does not last more than 90 days. If the journey exceeds 90 days, the whole journey will not be covered under the policy.

If your journey lasts more than 90 days, you are recommended to take out i-Travel (Single-Trip) insurance policy which covers any journey up to 182 consecutive days.

Yes. i-Travel Policy will provide coverage. Your coverage under your i-Travel Policy will be automatically extended for a maximum of 14 days if your trip is delayed due to your sickness.

The insurance period of i-Travel Policy will be automatically extended in the following circumstances:
a) Death,
b) Bodily Injury, or
c) Sickness
of you, or your Immediate Family Members, fiancé / fiancée , or Close Business Partner traveling with you.

As a friendly reminder, such circumstances must be supported by a written confirmation from a legally registered medical practitioner from your traveling country during your claim.

Your i-Travel Policy will only be automatically extended for reasons stated in the Travel Delay and Missed Departure Section. If you wish to extend your trip for other purposes and also extend the period of insurance, you are advised to contact us before policy expiry to obtain our prior consent. An additional premium may be required to extend your period of insurance under these circumstances.

Unfortunately, your medical expenses incurred after your return to Hong Kong are not covered. Under your i-Travel Policy, we only pay for medical expenses incurred as follow-up treatment in Hong Kong if you have consulted a Legally Registered Medical Practitioner overseas for the same sickness during the insured trip.

I'm afraid not. It is because travel policy only covers journeys which start in Hong Kong. Therefore, if your company has purchased travel insurance for your business trip, it is recommended to extend the period of insurance to cover your personal trip under the same policy. Otherwise, if your company did not purchase travel insurance for your business trip, it is recommend that you buy a travel policy for your whole trip including both the business and personal travel to ensure protection.

It depends on when you take out the travel policy. If riots are known or announced prior to your application for travel insurance, any loss arising from the riots is not covered by the travel insurance as it has become a known incident which is excluded by travel insurance policy but any loss not arising from the riots will be covered as usual.

However, if the riots are known only after you have taken out travel insurance, then any loss arising from the riots will be covered as usual.

I'm afraid not. Delayed Baggage protection is only available when your check-in baggage was delayed in your outward journey. The intention of this cover is to assist you when you are deprived of essential supplies when away from home. When you return home, it is expected that you will have easy access to such supplies without assistance.

You're recommended to take out travel insurance a day prior to your midnight flight to ensure your journey from home/office to airport will also be covered.

This is because the coverage of i-Travel either commences:
a) when you leave your home or office in Hong Kong for the sole purpose of starting the trip, or ,
b) at the policy inception date

whichever is later.

For example, your flight is scheduled on 00:30 am 10^th March. If you take out travel insurance from 10^th March and if unfortunately your car crashes during your journey to the airport at 11.30 pm 9^th March, then you will not be protected by i-Travel Policy as the travel insurance policy is only effective on 10^th March.

Yes, since your journey is unavoidably cancelled by the tsunami, you will be covered for any unused travel and accommodation expenses that you have already paid or must pay and at the same time you cannot recover them from any other source.

I'm afraid that you cannot claim under our policy if you make the cancellation now. Our Trip Cancellation cover will only become operative if the natural disaster has resulted in more than 24-hour delay in your scheduled departure from Hong Kong.

Yes, we will reimburse you the additional road transport fares since the ash from the volcano – which is a natural disaster -- has caused the failure of your scheduled flight to get you to your planned destination – London.

Yes, we will reimburse you the additional air ticket expense as the public coach had failed to get you to the Taipei airport due to adverse weather which is one of the specified perils covered in our policy.

Unfortunately you cannot because traffic accident is not our specified peril that we will cover in our travel policy.

Yes, we will reimburse you the additional hotel and transportation costs up to HK$5,000 as your returning flight to Hong Kong has been unavoidably re-routed.

Yes, you would be compensated with HK$250 for your flight delay which was caused by the suspension of the London airport resulting from the spread of the volcanic ash, i.e. a natural disaster.

We are sorry that we cannot proceed with your claim because "Air Traffic Control" does not fall within our policy coverage in Travel Delay Section. However, you would be compensated with HK$250 for your flight delay if the delay from "Air Traffic Control" is directly or indirectly resulted from adverse weather condition or natural disaster.

Yes. i-Travel Policy extends to cover death or bodily injury, medical expenses and emergency assistance services in case of terrorist attack while traveling. However, it is noteworthy that we do not cover such acts of terrorism that involve the use of biological, chemical agents or nuclear devices.

Yes, you can usually claim against all policies, subject to their own sets of terms and conditions, in the case of death and permanent disability.

However this may not be the case if your personal accident cover is a part of another form of insurance e.g. if you enjoy a free personal accident cover under a motor policy. In this case, the insurer may only pay for the death or permanent disability claim if you do not have any other personal accident protection. Please check your policies carefully.

When an insured person suffers from a Bodily Injury, the Personal Protector Policy will pay the claim subject to the terms and conditions of the Policy.

For a Bodily Injury to occur, the insured person suffers from an accidental injury to his body. Such an accident must be caused by an external, violent and visible means. For example, if he falls from height as he trips over a brick, he has suffered from a Bodily Injury. On the other hand, if he has a pain over the shoulder after a long day’s work, it is highly unlikely that he has suffered from a Bodily Injury. Under this situation, there is no information to prove that there is an external agent which has caused harm to his body.

You are usually covered under the Policy except in the following situations:

• if you are playing the sports in the capacity of a professional sportsman


• if you are playing the sports from which you can earn any form of income or remuneration


• if you are racing (note that a swimming race is covered under the Policy)

If you have purchased the Medical Expenses cover for an amount of not less than HK$10,000, you are entitled to the reimbursement of necessary and reasonable bonesetter’s fees. The pre-requisite is that the injury involved is covered by the Policy. Please refer to the Policy for the maximum you can claim per consultation per day and the maximum for the whole policy year.

Yes, you are subject to the usual terms and conditions of the Policy.

No, we are sorry that you are not entitled to the Double Indemnity benefit in this case because the shuttle bus is not a conveyance such that its service can be enjoyed by anyone who is willing to pay the scheduled price. Only tenants in the housing estate can use its service. The benefit is applicable when you are travelling in a public conveyance.

Yes, you can. If your incurred medical expenses were not fully reimbursed by your insurer, you can claim for the difference from the bus company. You may also claim for any other expenses you have incurred, such as any transportation costs for travelling to and from the doctor. If your injury is serious, it is suggested you obtain proper legal advice as you may have other rights of claim which will require detailed explanation from a lawyer.

When a pipe bursts, the following may happen:

• the wall behind which the pipe is laid may require repainting ;


• the wallpaper may need to be replaced;


• the wooden flooring may need to be replaced;


• the electricity cables and switches may need to be replaced;


• the lower part of the furniture such as the dining table, the wardrobes, the beds may be wet, requiring repair or replacement;


• water may have seeped through the floor to the unit below, resulting in a claim for the cost of repairs etc. from the tenant below

The reasonable cost of repairs to, or replacement of, the furniture will be paid as Household Contents subject to a policy excess. In some cases, the claim payment is also subject to a deduction for wear and tear.

The cost of replacing the electricity cables and switches, repainting the wall or replacing the wallpaper is not payable under the Household Contents Section of the Policy as the wall, wiring and switches form part of a Building. However such cost can be paid, subject to a policy excess, if you have purchased the Building Section of the Policy. The same situation would apply to the wooden flooring.

It is worth noting that unless there is clear evidence to show that the pipe burst is caused by an external accident e.g. someone has struck the wall hard to break it and subsequently the pipe, the cost of repairing or replacing a burst pipe is not covered under any insurance policy. As pipes are usually hidden behind and protected by walls, if they burst it is most likely to be caused by their own wear and tear (which is a common exclusion by insurance policies) unless there is obvious external force.

As to the claim from the landlord below, the Personal Liability Section of the Policy will help you take care of this. Whether the Policy will eventually pay out depends on whether you are legally responsible for the burst and the subsequent escape of water to the floor below. If it is proven that the water damage occurred because of your negligence, the Policy will pay the indemnity after recovering from you a policy excess. If you are not responsible for the water damage, the Policy will not pay the tenant below.

In order for the insurance company to handle the claim on your behalf, please ensure that you comply with the Claims Conditions.

Subject to a few exceptions and a maximum limit, your Household Contents are covered under the Policy in the course of your household removal if this is done through the service of a professional remover. Please refer to your Policy for the amount of the maximum limit. Each loss is also subject to a policy excess as stated in the Policy.

The items of Household Contents which are not covered in this situation are:

• Money


• Valuable Property


• fragile items which are unsuitably packed

If the domestic helper causes the damage or the injury while she is working for you, e.g. when she is cleaning the windows at home or shopping in the supermarket for your household needs, legally you are liable for her acts. In this situation, the Policy will provide cover for you.

If the domestic helper causes the damage or the injury while she is acting for herself only, e.g. when she is on leave, you are not legally liable for her acts. Under these circumstances, the Policy will not provide cover for such damage or injury.

A window frame is part of a Building. If you have purchased the Building Section, the replacement cost of the window frame is covered by the Policy as long as the cause of its fall is not excluded by the Policy. For example, if it falls because of the strong wind in a typhoon, the Policy will pay for the replacement. However if it falls because of its own wear and tear or corrosion, the Policy will not pay for the replacement.

If a third party is injured or if third party properties are damaged as a result of the fall of the window frame, you will incur legal liability. Such liability is covered by the Personal Liability Section of the Policy regardless of the cause of the fall of the window frame.

As long as the renovation was done in compliance with all relevant regulations, the open kitchen continues to be covered as part of the Building under the Building Section of the Policy.

The Policy will pay for the lost watches up to a specified maximum value per watch as stated in the Policy. The Policy also specifies a maximum value for all the watches and valuable items. For example, the Policy may pay a maximum of HK$15,000 per watch. In total, the Policy will pay up to approximately HK$166,666 or HK$333,333 for all the watches and valuable items under the Household Contents Section of different plans.

If any of your watches is worth more than the maximum value as stated in the Policy and you would like to insure it for its full value, please contact our hotline. You may be required to supply more information or documents for us to consider whether or not such a watch can be insured up to its full value subject to an additional premium.

As to the loss of cash, the Policy will pay up to a maximum value as stated in the Policy e.g. HK$1,000 for each loss.

You are advised not to put too much cash at home as the cover for any loss of cash is limited.

Unfortunately you cannot. The Household Contents Section is the basic cover of FamilySurance Plus 4.0 Insurance Policy which is mandatory for purchase. If your apartment is let together with your furniture and electrical appliances, FamilySurance Plus 4.0 Insurance Policy will provide relevant cover. In your case where you are not residing in the insured apartment, the cover will be limited to any loss of or damages to the household contents caused by the named perils such as fire, explosion, flood, typhoon, etc.