Travelead Travel Insurance
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1. What is the age limit for TraveLead Travel Insurance?
For single trip travel insurance, there is no age limit for enrollment. For annual travel insurance, the enrollment age is up to 70 years old and renewable up to 75 years old.
2. Is the Insured Person required to pay the co-payment or deductible?
Insured Person does not need to pay for the co-payment or deductible.
3. What is the maximum coverage period of a trip for TraveLead Travel Insurance?
The maximum coverage period of a trip is 180 consecutive calendar days for single trip travel plan, and 90 consecutive calendar days for annual travel plan.
4. Does TraveLead Travel Insurance provide emergency assistance services?
Insured person may call Starr 24-hour Global Emergency Assistance Service Hotline at (852) 2802 8638 [this is not a toll free number, call charges will be applicable] for assistance. The emergency assistance services include Travel Assistance, Business Concierge, Medical Assistance, Emergency Medical Evacuation and Repatriation, Hospital Admission Guarantee, and Compassionate Visit, etc.
5. Does TraveLead Travel Insurance cover amateur hazardous sports during the trip?
TraveLead Travel Insurance extends to cover amateur hazardous sports including skiing, scuba diving and hot air ballooning, and there is no restriction on height or depth.
6. Is the insured person entitled to follow-up treatments after returning to Hong Kong from the trip?
The Policy extends to cover any follow-up medical expenses incurred, subject to the maximum Sum Insured as stated in the Schedule, within ninety (90) consecutive days after the Insured Person's return to Hong Kong provided that the first treatment must be sought outside Hong Kong.
7. Does TraveLead Travel Insurance cover inpatient and outpatient medical expenses?
Yes, TraveLead Travel Insurance covers inpatient and outpatient medical expenses, and there is no sublimit or restriction on outpatient expenses and number of visits.
8. If children under 18 years old are not travelling with parents or guardians, can they enroll for TraveLead Travel Insurance?
Yes, parents or guardians can apply TraveLead – Cruise To Nowhere Insurance for children who travel alone.
9. How to make a claim when necessary?
Written notice of a claim must be submitted to Starr within 30 days after occurrence of any Accident or other event that might give rise to a claim under this Policy. Provide any relevant supporting documents such as police reports, medical reports, travel documents, boarding passes or e-tickets, purchase receipts, etc. For details, please refer to the instruction on Travel Insurance Claim Form.
SmarTrip Overseas Student Insurance
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1. What is the age limit for SmarTrip Overseas Student Insurance?
Hong Kong residents aged between 8 and 32 who plans to study abroad are eligible to enroll.
2. Can overseas student insurance be replaced by general travel insurance if planning to study abroad?
No. Overseas students usually stay in overseas for more than 6 consecutive months. The maximum coverage period for travel insurance is 180 consecutive days for a single trip travel plan and 90 consecutive days for annual travel plan. However, SmarTrip Overseas Student Insurance provides up to 365 days’ insurance coverage abroad.
3. Does SmarTrip Overseas Student Insurance cover Insured Person if they attend part-time jobs during the period of studying abroad?
SmarTrip Overseas Student Insurance extends to cover non-manual part-time legal jobs. For example, working as a part-time tutor in academy institutions.
4. Does Smartrip Overseas Student Insurance provide emergency assistance services?
Insured person may call Starr 24-hour Global Emergency Assistance Service Hotline at (852) 2802 8638 for assistance. The emergency assistance services include Travel Assistance, Business Concierge, Medical Assistance, Emergency Medical Evacuation and Repatriation, Hospital Admission Guarantee, and Compassionate Visit, etc.
5. Does SmarTrip Overseas Student Insurance cover amateur hazardous sports during the period of study abroad?
SmarTrip Overseas Student Insurance extends to cover amateur hazardous sports including skiing, scuba diving and hot air ballooning, and there is no restriction on height or depth.
6. How to make a claim when necessary?
Written notice of a claim must be submitted to Starr within 30 days after occurrence of any Accident or other event that might give rise to a claim under this Policy. Provide any relevant supporting documents such as police reports, medical reports, travel documents, boarding passes or e-tickets, purchase receipts, etc. For details, please refer to the instruction on Travel Insurance Claim Form.
Short-Term Abroad Protection
1. What is the age limit for Short-Term Abroad Protection Insurance?
Hong Kong residents aged 8 to 32 who plans to join short-term learning course aboard are eligible to enroll.
2. What are the overseas learning trips which are covered by Short-Term Abroad Protection?
The overseas learning trips include student exchange program, overseas Study Tour, internship program, youth volunteer service, excursion trip, short-term mission trip.
3. What is the maximum coverage period for Short-Term Abroad Protection?
The maximum coverage period for Short-Term Abroad Protection is 120 consecutive calendar days.
4. Is Short-Term Abroad Protection provides emergency assistance services?
Insured person may call Starr 24-hour Global Emergency Assistance Service Hotline at (852) 2802 8638 for assistance. The emergency assistance services include Travel Assistance, Business Concierge, Medical Assistance, Emergency Medical Evacuation and Repatriation, Hospital Admission Guarantee, and Compassionate Visit, etc.
5. How to make a claim when necessary?
Written notice of a claim must be submitted to Starr within 30 days after occurrence of any Accident or other event that might give rise to a claim under this Policy. Provide any relevant supporting documents such as police reports, medical reports, travel documents, boarding passes or e-tickets, purchase receipts, etc. For details, please refer to the instruction on Travel Insurance Claim Form.
Horizon Travel Working Holiday Insurance Plus
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1. Who is eligible to enroll for Horizon Travel Working Holiday Insurance Plus?
Hong Kong residents aged between 18 and 31 who plan to participate in Working Holiday Scheme are eligible to enroll.
2. Can working holiday insurance be replaced by general travel insurance if planning to attend overseas working holiday scheme?
No. The working holiday scheme usually last for 12 consecutive months. The maximum coverage period for travel insurance is 180 consecutive calendar days for a single trip travel, and 90 days for annual travel. Horizon Travel Working Holiday Insurance Plus provides up to 365 days’ insurance coverage abroad.
3. What is the maximum coverage period of Horizon Travel Working Holiday Insurance Plus?
The maximum coverage period of Horizon Travel Working Holiday Insurance Plus is 365 days. If the Insured Person intends to stay in the local country for one more year, he or she may apply for a one-year policy renewal as long as he or she has a valid working holiday visa.
4. Is the insured person covered by Horizon Travel Working Holiday Insurance Plus when he or she travels to other countries during the trip of working holidays?
As long as the insured person has traveled to the declared country of working holiday during the entire journey, he or she will be protected travelling to other countries throughout the working holiday period. However, a single trip after returning to Hong Kong is not covered (For example: Hong Kong -> Japan -> Hong Kong).
5. Is Horizon Travel Working Holiday Insurance Plus provides emergency assistance services?
Insured person may call Starr 24-hour Global Emergency Assistance Service Hotline at (852) 2802 8638 for assistance. The emergency assistance services include Travel Assistance, Business Concierge, Medical Assistance, Emergency Medical Evacuation and Repatriation, Hospital Admission Guarantee, and Compassionate Visit, etc.
6. Does Horizon Travel Working Holiday Insurance Plus cover amateur hazardous sports during the period of study abroad?
Horizon Travel Working Holiday Insurance Plus extends to cover amateur hazardous sports including skiing, scuba diving and hot air ballooning, and there is no restriction on height or depth.
7. Is the insured person entitled follow-up treatments after returning to Hong Kong from the trip of working holiday?
The Policy extends to cover any follow-up medical expenses incurred during the working holiday, subject to the maximum Sum Insured as stated in the Schedule, within ninety (90) consecutive days after the Insured Person’s return to Hong Kong provided that the first treatment must be sought outside Hong Kong.
8. How to make a claim when necessary?
Written notice of a claim must be submitted to Starr within 30 days after occurrence of any Accident or other event that might give rise to a claim under this Policy. Provide any relevant supporting documents such as police reports, medical reports, travel documents, boarding passes or e-tickets, purchase receipts, etc. For details, please refer to the instruction on Travel Insurance Claim Form.
Horizon Overseas Employment Extension
1. Who is eligible to enroll for Horizon Travel Overseas Employment Extension?
Person aged between 18 and 70, who plan or are being assigned to work overseas with a valid employment visa, are eligible to enroll.
2. Can Horizon Travel Overseas Employment Extension be replaced by general travel insurance if planning to work overseas?
No. Overseas employment usually last for more than 6 consecutive months. The maximum coverage period for travel insurance is 180 consecutive calendar days for a single trip travel, and 90 days for annual travel. Horizon Travel Overseas Employment Extension provides up to 365 days’ insurance coverage abroad.
3. What is the maximum coverage period of Horizon Travel Overseas Employment Extension?
The maximum coverage period of Horizon Travel Overseas Employment Extension is 365 days. If the Insured Person intends to remain in the local country for one more year, he or she may apply for a one-year policy renewal as long as he or she has a valid working visa.
4. Is the insured person covered by Horizon Travel Overseas Employment Extension when he or she travels to other countries during the overseas employment?
As long as the insured person has traveled to the declared country of overseas employment during the insured period, he or she will be protected travelling to other countries. However, a single trip after returning to Hong Kong is not covered (For example: Hong Kong -> Japan -> Hong Kong).
5. Does Horizon Travel Overseas Employment Extension provide emergency assistance services?
Insured person may call Starr 24-hour Global Emergency Assistance Service Hotline at (852) 2802 8638 for assistance. The emergency assistance services include Travel Assistance, Business Concierge, Medical Assistance, Emergency Medical Evacuation and Repatriation, Hospital Admission Guarantee, and Compassionate Visit, etc.
6. Does Horizon Travel Overseas Employment Extension cover amateur hazardous sports during the period of overseas employment?
Horizon Travel Overseas Employment Extension extends to cover amateur hazardous sports including skiing, scuba diving and hot air ballooning, and there is no restriction on height or depth.
7. Is the insured person entitled to follow-up treatments after returning to Hong Kong from the trip of overseas employment?
This Policy extends to cover any follow-up medical expenses incurred during the overseas employment, subject to the maximum Sum Insured as stated in the Schedule, within ninety (90) consecutive days after the Insured Person’s return to Hong Kong provided that the first treatment must be sought outside Hong Kong.
8. How to make a claim when necessary?
Written notice of a claim must be submitted to Starr within 30 days after occurrence of any Accident or other event that might give rise to a claim under this Policy. Provide any relevant supporting documents such as police reports, medical reports, travel documents, boarding passes or e-tickets, purchase receipts, etc. For details, please refer to the instruction on Travel Insurance Claim Form.
STARR Critical Illness Care
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1. Who is eligible to enroll for "Starr Critical Illness Care"?
It is available for Hong Kong citizen or resident holding valid Hong Kong identity document and living in Hong Kong not less than 180 days yearly.
2. What is the age limit for "Starr Critical Illness Care"?
For Adult: Age between 18 to 50 years old at new entry and renewable up to 69 years old.
For Child: Age between 6 months to 17 years old at new entry and renewable up to 17 years old.
3. Is the Insured Person required to pay the co-payment or deductible?
Insured Person does not need to pay for the co-payment or deductible.
4. What is the minimum sum insured and maximum Sum Insured of "Starr Critical Illness Care"?
The minimum sum insured is HK$100,000 per adult, and the maximum sum insured is HK$300,000 per adult.
5. Is there any restriction on the number of children?
No. There is no restriction on the number of children. If "You and children plan" or "Family plan" is selected,, all eligible children under the age of 18 will be covered and insured children can enjoy up to 50% of adult's protection.
6. Can I pay by monthly instalments?
Applicants can choose to pay by monthly installments or a one-off annual payment.
7. Does premium increase with age?
No. This product adopts level premium payment schedule where premium is charged based on the policyholder's entry age at the policy inception date, renewal premium remains at entry age bracket regardless of age increase.
8. Will my policy automatically renew?
Yes. It will auto-renew upon Anniversary Date.
9. Can we change the plan level after purchasing "STARR Critical Illness Care"?
By giving 30 days' written notice before anniversary date, you may request to change the plan type. For changing the one to a higher level, you are required to apply a new application and the premium shall be charged based on your attained age. Pre-existing condition will be revived at the effective date of such new application. For changing the one to a lower level, the premium shall be computed based on your entry age at Policy Inception Date.
10. Is there any waiting period for "Starr Critical Illness Care"?
The waiting period for "Starr Critical Illness Care" is 90 days.
11. Is there any survival period for "Starr Critical Illness Care"?
The survival period for "Starr Critical Illness Care" is 7 days.
TraveLead -Cruise To Nowhere Insurance
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1. What is the age limit for TraveLead – Cruise to Nowhere Insurance?
For single trip travel insurance, there is no age limit for enrollment.
2. Is the Insured Person required to pay the co-payment or deductible?
Insured Person does not need to pay for the co-payment or deductible.
3. What is the maximum coverage period of a trip for TraveLead – Cruise to Nowhere Insurance ?
The maximum coverage period of a trip is 180 consecutive days for single trip travel plan.
4. Does TraveLead – Cruise to Nowhere Insurance provide emergency assistance services?
Insured person may call Starr 24-hour Global Emergency Assistance Service Hotline at (852) 2802 8638 [this is not a toll free number, call charges will be applicable] for assistance. The emergency assistance services include Travel Assistance, Business Concierge, Medical Assistance, Emergency Medical Evacuation and Repatriation, Hospital Admission Guarantee, and Compassionate Visit, etc.
5. Does TraveLead – Cruise to Nowhere Insurance cover inpatient and outpatient medical expenses?
Yes, TraveLead – Cruise to Nowhere covers inpatient and outpatient medical expenses, and there is no sublimit or restriction on outpatient expenses and number of visits.
6. If children under 18 years old are not travelling with parents or guardians, can they enroll for TraveLead – Cruise To Nowhere Insurance?
Yes, parents or guardians can apply TraveLead – Cruise To Nowhere Insurance for children who travel alone.
7. If the insured person sustains COVID-19 after returning to the Hong Kong port upon completion of the cruise trip, but the doctor confirms that the COVID-19 was latent before boarding, can the insured person claim for medical expenses?
No, unless the insured person sustains COVID-19 first contracted during the cruise trip and is diagnosed within 7 days after returning to the Hong Kong port.
8. If the insured person sustains COVID-19 first contracted during the cruise trip, will the medical expenses related to COVID-19 be included?
If the diagnosis of COVID-19 is confirmed within 7 days after returning to the Hong Kong port, we will cover the medical expenses incurred within 30 days from the date of diagnosis.
9. If the insured person needs to claim medical expenses due to the diagnosis of COVID-19, is the insured person required to get a doctor's consultation on board before the completion of the cruise trip?
No, it is not compulsory to consult a doctor on board.
10. When making a claim for medical expenses related to COVID-19, what proof does the insured person need to provide?
The insured person needs to provide a copy of HKID card, proof of getting on board, the original medical receipts and reports.
11. What should the insured person do if she/he loses the personal luggage/identification documents/credit cards or other personal belongings on the cruise ship?
The insured person should notify the cruise staff on board immediately and request a letter from the cruise company about the lost property.
12. How to make a claim when necessary?
Written notice of a claim must be submitted to Starr within 30 days after occurrence of any Accident or other event that might give rise to a claim under this Policy. Provide any relevant supporting documents such as police reports, medical reports, travel documents, cruise boarding passes or e-tickets, purchase receipts, etc. For details, please refer to the instruction on Travel Insurance Claim Form.
13. If the cruise trip is cancelled by the insured person because of sustains COVID-19, does this cover under Trip cancellation benefit?
Starr will reimburse the loss subject to the maximum sub-limit of Trip Cancellation benefit of the selected plan provided that the insured person has received 2 doses of COVID-19 vaccines.
14. When making a claim for trip cancellation due to the situation mentioned in question no. 13, what proof does the insured person need to provide?
The insured person needs to provide a copy of HKID card, cruise package receipt, the relevant medical receipts and reports, etc.
