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TraveLead Travel Insurance

Single / Annual Plan:: All trips must depart from and return to Hong Kong

Select a plan:: Family plan shall apply to at least one of the legal couple or both, and their legitimate child(ren) aged below 18.

No. of Insured Person:

Area of Travel:: Please note that there is no Covid-19 coverage for travel to and from destinations in China.

Departure Date From Hong Kong (DD/MM/YYYY):

Arrival Date At Hong Kong (DD/MM/YYYY):

Promo Code

Reference

Essential
(Single Trip)

Extra
(Single Trip)

Supreme
(Single Trip)

Essential
(Annual Travel)

Extra
(Annual Travel)

Supreme
(Annual Travel)

Coverage

Sum Insured (HK$)

Section 1 - Accidental Death and Disablement *
Death or permanent disablement arising within 12 months of an accident.

600,000

1,000,000

1,500,000

600,000

1,000,000

1,500,000

(a) Accident while in a common carrier

600,000

1,000,000

1,500,000

600,000

1,000,000

1,500,000

(b) Other accidents

300,000

500,000

750,000

300,000

500,000

750,000
Section 3 - Medical Expenses

500,000
(Sub-limit as below)

1,000,000
(Sub-limit as below)

1,500,000
(Sub-limit as below)

500,000
(Sub-limit as below)

1,000,000
(Sub-limit as below)

1,500,000
(Sub-limit as below)

Reimbursement of the actual expenses for treatment of injury and sickness.

500,000
(Sub-limit as below)

1,000,000
(Sub-limit as below)

1,500,000
(Sub-limit as below)

500,000
(Sub-limit as below)

1,000,000
(Sub-limit as below)

1,500,000
(Sub-limit as below)

(a) Follow-up Medical Treatment Extension (within 90 days after returning to Hong Kong)

250,000

500,000

750,000

250,000

500,000

750,000

• Including Chinese medicine, Chinese bone-setting, acupuncture treatment expenses and physiotherapy.

200/day/visit
1,200/policy period

200/day/visit
1,800/policy period

200/day/visit
2,400/policy period

200/day/visit
1,200/policy period

200/day/visit
1,800/policy period

200/day/visit
2,400/policy period

(b) Overseas Hospital CashCash benefit for each day of overseas hospital confinement due to injury or sickness.

300/Day
3,000/Trip

400/Day
4,000/Trip

500/Day
5,000/Trip

300/Day
3,000/Trip

400/Day
4,000/Trip

500/Day
5,000/Trip
Section 5 – Personal Baggage

Nil

10,000

20,000

Nil

10,000

20,000

Pay for loss of or damage to baggage and personal effects.

Nil

10,000

20,000

Nil

10,000

20,000

Sub-limit per item/pair/set of articles

Nil

2,000

2,000

Nil

2,000

2,000

Sub-limit for lap-top computer

Nil

8,000

8,000

Nil

8,000

8,000
Section 9 - Travel Delay or Re-Route

Nil

300/6 hours
max 1,500

300/6 hours
max 3,000

Nil

300/6 hours
max 1,500

300/6 hours
max 3,000

Cash benefit for common carrier delay for more than 6 hours due to strike, riot, civil commotion, hijack, adverse weather, natural disaster or mechanical fault.

Nil

300/6 hours
max 1,500

300/6 hours
max 3,000

Nil

300/6 hours
max 1,500

300/6 hours
max 3,000

or

Reimburse for additional travel fare incurred for re-routing or, additional/irrecoverable accommodation expenses if the common carrier is cancelled or delayed for over 12 hours due to above reasons.

Nil

2,000

4,000

Nil

2,000

4,000
Section 10 - Trip Cancellation

Nil

25,000

50,000

Nil

25,000

50,000

Reimburse for travel and/or accommodation expenses in the event of trip cancellation due to: death, serious Injury, serious sickness of insured person/immediate family member/travel companion/co-partner; witness summons or jury service of an insured person; strike, riot or civil commotion or adverse weather conditions at the planned destination; serious damage to the insured person’s residence from fire or flood.

Nil

25,000

50,000

Nil

25,000

50,000
Section 13 - Rental Vehicle Excess

Nil

Nil

5,000

Nil

Nil

5,000

Reimburse for an excess of the vehicle rental agreement.

Nil

Nil

5,000

Nil

Nil

5,000

Section 1 - Accidental Death and Disablement *
Death or permanent disablement arising within 12 months of an accident.

600,000

1,000,000

1,500,000

600,000

1,000,000

1,500,000

(a) Accident while in a common carrier

600,000

1,000,000

1,500,000

600,000

1,000,000

1,500,000

(b) Other accidents

300,000

500,000

750,000

300,000

500,000

750,000
Section 2 - Burns Benefit **

100,000

200,000

300,000

100,000

200,000

300,000

Second or third degree burns arising within 12 months of an accident

100,000

200,000

300,000

100,000

200,000

300,000
Section 3 - Medical Expenses

500,000
(Sub-limit as below)

1,000,000
(Sub-limit as below)

1,500,000
(Sub-limit as below)

500,000
(Sub-limit as below)

1,000,000
(Sub-limit as below)

1,500,000
(Sub-limit as below)

Reimbursement of the actual expenses for treatment of injury and sickness.

500,000
(Sub-limit as below)

1,000,000
(Sub-limit as below)

1,500,000
(Sub-limit as below)

500,000
(Sub-limit as below)

1,000,000
(Sub-limit as below)

1,500,000
(Sub-limit as below)

(a) Follow-up Medical Treatment Extension (within 90 days after returning to Hong Kong)

250,000

500,000

750,000

250,000

500,000

750,000

• Including Chinese medicine, Chinese bone-setting, acupuncture treatment expenses and physiotherapy.

200/day/visit
1,200/policy period

200/day/visit
1,800/policy period

200/day/visit
2,400/policy period

200/day/visit
1,200/policy period

200/day/visit
1,800/policy period

200/day/visit
2,400/policy period

(b) Overseas Hospital CashCash benefit for each day of overseas hospital confinement due to injury or sickness.

300/Day
3,000/Trip

400/Day
4,000/Trip

500/Day
5,000/Trip

300/Day
3,000/Trip

400/Day
4,000/Trip

500/Day
5,000/Trip
Section 4 - Starr Global Emergency Assistance Services

Included

Included

Included

Included

Included

Included

(a) Round-the-clock Hotline Service24-hour hotline for travel assistance, business concierge and medical assistance.

Included

Included

Included

Included

Included

Included

(b) Emergency Medical Evacuation and RepatriationProvide emergency medical evacuation and repatriation due to serious injury or sickness.

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

(c) Hospital Admission GuaranteeGuaranteed payment of hospital admission fees.

40,000

40,000

40,000

40,000

40,000

40,000

(d) Compassionate Visit

(i) Hospitalization of Insured Person (at least 7 days)Travel and accommodation expenses for one relative or friend subject to HK$1,000 per night up to 7 consecutive nights.

50,000

100,000

200,000

50,000

100,000

200,000

(ii) Death of Insured PersonTravel and accommodation expenses for one immediate family member subject to HK$1,000 per night up to 5 nights.

50,000

100,000

200,000

50,000

100,000

200,000

(iii) Death of Immediate Family MemberPay the travel expenses for the insured person’s return to take care the necessary arrangement of a deceased immediate family member.

50,000

100,000

200,000

50,000

100,000

200,000

(e) Return of Child(ren)Pay the travel expense for sending back an unattended child during the hospitalization of the insured person.

50,000

100,000

200,000

50,000

100,000

200,000

(f) Repatriation of Mortal RemainsReturn of remains or ashes to Hong Kong.

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited

Unlimited
Section 5 – Personal Baggage

Nil

10,000

20,000

Nil

10,000

20,000

Pay for loss of or damage to baggage and personal effects.

Nil

10,000

20,000

Nil

10,000

20,000

Sub-limit per item/pair/set of articles

Nil

2,000

2,000

Nil

2,000

2,000

Sub-limit for lap-top computer

Nil

8,000

8,000

Nil

8,000

8,000
Section 6 - Baggage Delay

Nil

500

1,000

Nil

500

1,000

Emergency purchase due to baggage delay for more than 6 hours.

Nil

500

1,000

Nil

500

1,000
Section 7 - Personal Money

Nil

2,000

3,000

Nil

2,000

3,000

Loss of cash, signed traveller's cheque or money order due to theft, robbery or burglary.

Nil

2,000

3,000

Nil

2,000

3,000
Section 8 - Document Loss

Nil

10,000
1,000/day

20,000
2,000/day

Nil

10,000
1,000/day

20,000
2,000/day

Reimburse for the replacement cost of lost travel documents, additional travel and/or accommodation expenses due to theft, robbery or burglary.
(Maximum per day limit for travel and accommodation expenses)

Nil

10,000
1,000/day

20,000
2,000/day

Nil

10,000
1,000/day

20,000
2,000/day
Section 9 - Travel Delay or Re-Route

Nil

300/6 hours
max 1,500

300/6 hours
max 3,000

Nil

300/6 hours
max 1,500

300/6 hours
max 3,000

Cash benefit for common carrier delay for more than 6 hours due to strike, riot, civil commotion, hijack, adverse weather, natural disaster or mechanical fault.

Nil

300/6 hours
max 1,500

300/6 hours
max 3,000

Nil

300/6 hours
max 1,500

300/6 hours
max 3,000

or

Reimburse for additional travel fare incurred for re-routing or, additional/irrecoverable accommodation expenses if the common carrier is cancelled or delayed for over 12 hours due to above reasons.

Nil

2,000

4,000

Nil

2,000

4,000
Section 10 - Trip Cancellation

Nil

25,000

50,000

Nil

25,000

50,000

Reimburse for travel and/or accommodation expenses in the event of trip cancellation due to: death, serious Injury, serious sickness of insured person/immediate family member/travel companion/co-partner; witness summons or jury service of an insured person; strike, riot or civil commotion or adverse weather conditions at the planned destination; serious damage to the insured person’s residence from fire or flood.

Nil

25,000

50,000

Nil

25,000

50,000
Section 11 - Trip Curtailment

Nil

25,000

50,000

Nil

25,000

50,000

Reimburse for travel and/or accommodation expenses incurred for trip curtailment due to: death, serious injury or serious sickness of an insured person/immediate family member/ travel companion/co-partner; strike, riot or civil commotion or adverse weather conditions at the planned destination.

Nil

25,000

50,000

Nil

25,000

50,000
Section 12 - Personal Liability

Nil

1,000,000

1,500,000

Nil

1,000,000

1,500,000

Indemnify legal liability in respect of accidental bodily injury or property damage to third parties due to negligence.

Nil

1,000,000

1,500,000

Nil

1,000,000

1,500,000
Section 13 - Rental Vehicle Excess

Nil

Nil

5,000

Nil

Nil

5,000

Reimburse for an excess of the vehicle rental agreement.

Nil

Nil

5,000

Nil

Nil

5,000
Section 14 - Loss of Credit Card

Nil

Nil

5,000

Nil

Nil

5,000

Reimburse for the monetary loss of credit card.

Nil

Nil

5,000

Nil

Nil

5,000

Show More Download Product Brochure and Policy Specimen

Coronavirus Disease (COVID-19) Extension (not applicable to Trip to, through and from China.)
(For Single-Trip and Annual Travel Policy)

● Extension of COVID-19 Overseas Medical Expenses

(a) Medical expenses in the course of a trip

If during the period of insurance the Insured Person sustains coronavirus disease (COVID-19) contracted and commenced during the Trip which directly results in the necessity of medical treatment outside Hong Kong, We shall reimburse the Insured Person in respect of the reasonable and customary medical costs subject to the following combined maximum sub-limit for both (a) & (b) per person provided that the Insured Person has received 2 doses of COVID-19 vaccines and age not exceeds 65 years old.

(b) Follow-up medical expenses in Hong Kong

When there is a valid claim for (a) above, this Policy extends to cover any follow-up medical expenses incurred in Hong Kong for the continuation of medical treatment by a Physician or Doctor and/or Hospital due to coronavirus disease (COVID-19) within ninety (90) consecutive days immediately after the Insured Person’s return to Hong Kong or within ninety (90) consecutive days after the expiry of this Policy whichever ends earlier.

The combined maximum sub-limit for both (a) & (b) per Insured Person are as follows:

If the Insured Person is under 18 years of age at the time diagnosed of COVID-19, the maximum cover limit under this extension shall be restricted to 50% only.

In respect of an annual travel policy, the above maximum sub-limit is on per policy year basis.
● Trip Cancellation

In the event of any Serious Sickness sustains by an Insured Person due to diagnosis of COVID-19, We shall reimburse the loss subject to the following maximum sub-limit per person provided that the Insured Person has received 2 doses of COVID-19 vaccines:
● Trip Curtailment

In the event of any Serious Sickness sustains by an Insured Person due to diagnosis of COVID-19, We shall reimburse the loss subject to the following maximum sub-limit per person provided that the Insured Person has received 2 doses of COVID-19 vaccines:

Please note: For complete details, please refer to the policy for terms and conditions.

Product Highlights

Cover for terrorism
Medical expenses up to HK$1,500,000 including in and outpatient treatments
No sublimit or restriction on outpatient expenses and number of visits
No co-payment or deductible
Personal accident benefit covers 18 different events of disablement and accidental death
Extend to cover amateur hazardous sports, such as hot air ballooning, scuba diving, skiing, etc., no restriction on height or depth
Extend to cover rental vehicle excess
Parents'/guardians' enrollment for children travel on their own is acceptable

Global Emergency Assistance Services

Starr Global Emergency Assistance Services is supported by Assist Card which is one of the subsidiaries of Starr Companies. Assist Card has more than 400,000 service providers providing travel assistance services in 197 countries and 17,000 cities around the world.

Major Exclusions

Pre-existing condition, war, suicide, pregnancy, childbirth, professional sport. Travel to Belarus, Cuba, Iran, North Korea, Russia, Ukraine.

Age Limit

Single Trip Plan: No age limit.
Annual Travel Plan: Enroll up to 70 years old and renewable up to 75 years old.

Remarks

An individual applicant must be 18 years old or above.
For an insured person aged below 18 or above 70, the maximum sum insured of Accidental Death and Disablement shall be subject to 50% of the selected plan, or up to maximum of HK$500,000 whichever is lesser.
For an insured person above 70, the maximum sum insured of Medical Expenses shall be subject to 50% of the selected plan.
Personal money is not applicable to insured person aged 10 or below.
The maximum trip duration for single trip and annual travel plan is 180 days and 90 days respectively.
Insurance cover will automatically be extended up to a maximum of 7 days if the trip is delayed for any reasons outside the control of the insured person.
Written notice (email: Asia.AHclaim@starrcompanies.com) of a claim must be given within 30 days after the incident.
Any services under section 4 must be arranged by Starr Global Emergency Assistance.
This page is designed to provide you a summary of the plan and is not a contract of insurance. All benefits and exclusions are only briefly outlined here. For complete details, please refer to the policy for terms and conditions.

Enquiry for Current Outbound Travel Alert

TraveLead Travel Insurance

● Extension of COVID-19 Overseas Medical Expenses

● Trip Cancellation

● Trip Curtailment

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