SmartTraveller :: AXA HongKong

SmartTraveller is specially designed to provide you an Excess Free policy with comprehensive cover to protect both you and your family while travelling worldwide.

Product Features

1. Medical Expenses

2. Worldwide Emergency Assistance Service

3. Personal Accident

4. Baggage & Personal Effects

5. Baggage Delay

6. Personal Money & Travel Documents

7. Personal Liability

8. Travel Delay, Trip Re-routing, Missed Journey & Overbooking

9. Loss of Deposit or Cancellation of Trip

10. Trip Curtailment

11. Home Care Benefit

12. Trauma Counseling NEW!

13. Rental Vehicle Excess NEW!

14. China Hospital Deposit Guarantee Benefit (Optional for Annual Cover)

Free Additional Benefits

1. Automatic 10 Days Extension (applicable to single journey only)

2. Free cover for children (applicable to single journey only)

3. 24-Hour Emergency Assistance Hotline

Brochure

Click to read/download our product brochure

Product Feature		VIP Plan	Classic Plan
Product Feature		Maximum Limit Per Insured Person
Section 1	Medical Expenses	$1,000,000	$500,000
	Covers medical expenses (including hospitalization) as a result of accident or sickness during the journey including	Sub-limit as below
	- return of unattended dependent children
	- compassionate visit
	- guarantee of hospital admittance deposit	$40,000	$20,000
	- local translator/interpreter services (per day/sub-limit)	$500/$5,000	$500/$5,000
	- catch up expenses	$5,000	$3,000
	- follow up medical treatment within 3 consecutive months due to
	(i) accidental bodily injury	100% of max limit	100% of max limit
	(ii) sickness	10% of max limit	10% of max limit
	- hospital cash benefit (per day/sub limit)	$500/$5,000	$300/$3,000
	- compulsory quarantine cash benefit (per day/sub-limit)	$800/$5,600	$500/$3,500
	Extensions:
	(i) Chinese bone-setting, acupuncture, physiotherapy or chiropractic treatment (per visit per day/sub-limit)	$200/$3,000	$200/$3,000
	(ii) additional traveling expenses for the purpose of seeking medical treatment in an overseas hospital	$500	$500
	(iii) follow up medical expenses within 3 consecutive months if the Infectious Disease is contracted during the Journey and confirmed within 7 days after returning to Hong Kong whereas no medical expenses incurred overseas	10% of max limit	10% of max limit
	(Children aged under 18 and Insured Person aged over 70, will receive 25% and 50% of the maximum limit respectively)
Section 2	Worldwide Emergency Assistance Service - 24-Hour Emergency Assistance Hotline Service - emergency medical evacuation - repatriation/repatriation of mortal remains	Fully Covered	Fully Covered
Section 3	Personal Accident	$1,000,000	$500,000
	Extensions:	Sub-limit as below
	- third degree burn	$200,000	$100,000
	- compassionate death cash benefit due to
	(i) accidental bodily injury	$50,000	$25,000
	(ii) sickness	$20,000	$10,000
	- credit card protection	$50,000	$30,000
	(Children aged under 18 at the time of death, will receive up to $100,000 only. Insured Person aged over 70 will receive 50% of the maximum limit.)
Section 4	Baggage & Personal Effects	$25,000	$15,000
	Pays for the loss of or damage to your baggage (including laptop, mobile phone, PDA)	Sub-limit as below
	- maximum limit for any one item or pair	$7,500	$5,000
	- maximum limit for each mobile phone	$3,000	$2,000
Section 5	Baggage Delay Pays for emergency purchase of essential items if your baggage is delayed for more than 6 hours	$1,000	$800
Section 6	Personal Money & Travel Documents	$6,000	$4,000
		Sub-limit as below
	- loss of money or unauthorized use of credit card	$3,000	$2,000
	- the replacement cost of travel documents and additional traveling expenses and/or accommodation expenses	$3,000	$2,000
Section 7	Personal Liability Indemnifies you in respect of your legal liability towards third parties for accidental bodily injury or property damage together with associated legal costs and expenses	$3,000,000	$1,500,000
Section 8	Travel Delay, Trip Re-routing, Missed Journey & Overbooking	$10,000	$5,000
		Sub-limit as below
	For (i), (ii) and (iii) as a direct result of: strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the Public Common Carrier or closure of the airport, We will pay:
	(i) travel delay (each and every 6 hours/sub-limit)	$300/$3,000	$250/$2,000
	(ii) extra accommodation expenses or irrecoverable pre-paid deposits or charges due to travel delay	$3,000	$2,000
	(iii) trip re-routing costs due to travel delay	$10,000	$5,000
	For (iv) and (v), reimburses the reasonable accommodation and meal expenses (if not compensated by any third party)
	(iv) missed journey	$10,000	$5,000
	(v) overbooking	$10,000	$5,000
Section 9	Loss of Deposit or Cancellation of Trip Reimburses irrecoverable prepaid deposits or charges in the event of: - unexpected outbreak of strike, riot, civil commotion, terrorism, hijack, natural disasters or adverse weather conditions - serious damage to the Insured Person’s principal home in Hong Kong arising from fire, flood or burglary - death, serious physical injury or serious illness of the Insured Person, Immediate Family Member, Close Business Partner or Travel Companion - witness summons, jury service or compulsory quarantine of the Insured Person - "Red” or “Black” alert issued under Outbound Travel Alert System (Maximum payable amount for “Red” alert shall be 50% of the irrecoverable deposits or charges paid in advance)	$50,000	$25,000
Section 10	Trip Curtailment Reimburses the proportional return of relevant irrecoverable prepaid cost of the planned holidays or additional incurred travel costs (confined to economy class) and accommodation expenses due to: - unexpected outbreak of strike, riot, civil commotion, terrorism, hijack, natural disasters or adverse weather conditions - serious damage to the Insured Person’s principal home in Hong Kong arising from fire, flood or burglary - death, serious physical injury or serious illness of the Insured Person, Immediate Family Member, Close Business Partner or Travel Companion - "Red” or “Black” alert issued under Outbound Travel Alert System (Maximum payable amount for “Red” alert shall be 50% of the relevant irrecoverable prepaid cost or additional costs and expenses)	$50,000	$25,000
Section 11	Home Care Benefit Pays for loss of or damages to your home contents as a result of fire while you are overseas	$20,000	$10,000
Section 12 NEW!	Trauma Counseling	$25,000	$15,000
	Pays for the counseling fees if you are the witness &/or victim of a traumatic event	Sub-limit as below
	- per visit per day	$1,500	$1,000
Section 13 NEW!	Rental Vehicle Excess Pays for the motor insurance policy excess incurred by you if you are involved in a collision whilst the rental vehicle is driven by you, or it is stolen or parking damaged	$5,000	$3,000
Section 14	China Hospital Deposit Guarantee Benefit Provide guarantee of hospital deposit to the hospital under Hospital Network in China upon presenting the China Hospital Deposit Guarantee Card	Optional for Annual Cover

Remark:

This policy is only valid for travel originating from Hong Kong
All amounts are in Hong Kong Dollars

Free Additional Benefits

1. Automatic 10 Days Extension (applicable to single journey only)

Automatically extended for a maximum period of 10 days in the event that the Insured Person is

unavoidably delayed in the course of the scheduled itinerary which was stipulated prior to departure.

2. Free Cover for Children (applicable to single journey only)

If you are travelling with your children, they will enjoy free cover.

     (Note: Please refer to the Benefit table for the maximum limits under Section 1 and 3 applied
     to children under 18)

3. 24-Hour Emergency Assistance Hotline

With 24-Hour Assistance service provided by AXA Assistance, emergency medical assistance is

only a phone call away for you any time of the day, anywhere in the world.

Optional One Way Cover (applicable to single journey only)

For Insured Persons 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.

Enhancement Cover for Children

If you wish to enhance the cover for your children, you just simply pay the full premium payment for them; hence, they will receive a higher limit of 100% for Medical & Related Expenses Section and 50% for the accidental death benefit under Personal Accident Section respectively.

Enhanced Personal Accident Benefit NEW!

By paying 20% additional premium, we offer you a more comprehensive protection against personal accident which the percentage of benefit paid is subject to the severity of disability.

Maximum Duration of Journey(s)

Single Journey – maximum 184 days
Annual Cover (unlimited number of journey) – maximum 90 days for each journey

Age Limit

From thirty (30) days up to the age of 80 before the inception of the journey.
For Insured Person aged over 75 years old and up to 80 before the inception of the Journey,he/she is only applicable to Classic Plan.
For Annual Cover, the Insured Person must be at or below 75 years old on the first commencement date of the Policy, and renewable up to 80 years old.

Definitions

Child/children refers to the dependent and unmarried child/children who are aged between thirty (30) days and under 18 years old as named in the Policy Schedule/Certificate of Insurance.
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.

Special Features

Cover amateur sports and activities such as snow skiing, snow boarding, water skiing, wake boarding, scuba diving, rafting, bungee jumping, horse riding etc.
Terrorism cover including attacks caused by nuclear, chemical and biological substances
Cover loss of or damage to portable equipments including laptop computers, photographic equipments, sports equipments & mobile phones
No excess for the whole policy

Common Exclusions

General exclusions applicable to all sections

1. War

2. Government acts

3. Nuclear hazards

4. Lack of reasonable care and attention

5. Racing (other than on foot), motor sports or flying as a pilot or crew member

6. Activities engaging in sports or games in a professional capacity

7. Self-inflicted injury or illness

8. Alcoholism or drug abuse

9. Pre-existing medical conditions

10. Venereal disease, AIDS or AIDS related complex

11. Pregnancy, miscarriage of child birth and all complications thereof

* The above is only part of the policy exclusions. Please refer to the policy jacket for the full list of exclusions that apply to each section and the entire policy.

(Effective from 1 November 2011 until further notice)

	Day(s)	VIP Plan	Classic Plan
Single Journey	1	$98	$78
	2	$108	$88
	3	$138	$115
	4	$178	$138
	5	$208	$150
	6	$235	$170
	7	$250	$180
	8	$268	$190
	9	$285	$210
	Each Additional Day	$16	$11
Annual Cover	Individual	$1,780	$1,450
Annual Cover	Family	$3,560	$2,900
China Hospital Deposit Guarantee Card (Optional for Annual Cover)	Per Insured Person	$100	$100

Remark:

This policy is only valid for travel originating from Hong Kong.
All amounts are in Hong Kong Dollars

To apply or for details, please contact your insurance consultant.

Proposal Form

Click to download a Proposal Form

Hospital Network List

Click to read/download the China Hospital Deposit Guarantee Card - Hospital Network List

Enhanced Personal Accident Benefit NEW!

Useful links