How to buy TravelWise insurance WISELY?
Case 1: A budget back-packer may want to have the medical and accident cover for the critical and serious incident at the minimal cost.
BASIC PLAN: covers medical and personal accidents and costs $38 and upwards.
Case 2: A couple pays for a romantic vacation in a cruise in the Mediterranean Sea.
DELUXE PLAN + CRUISE OPTIONAL BENEFIT: protects the money invested in the vacation more with high benefit amount for Journey Cancellation and Interruption together with the cruise featured benefits of cruise cancellation and excursion tour cancellation etc.
Case 3: Just paid for a cheap ticket to fly for a weekend at the last minute before departure.
STANDARD PLAN: our standard plan allows you to save money to buy coverage for Journey Cancellation and Interruption.
Coverage Highlights
- No deductibles
- Special premium for family travel
- Emergency Medical Expenses & Assistance (Section 1) and Personal Accident (Section 2) cover Terrorist Act
- Covers all amateur sporting activities e.g. skiing, scuba diving, bungee jumping etc.
- In accordance with the advice of the Travel Industry Council of Hong Kong, Emergency Medical Evacuation and Repatriation of Remains are covered with unlimited benefit amount
- Emergency Medical Expenses & Assistance (Section 1) covers common epidemic, such as SARS, Bird Flu, Dengue Fever etc.
- Cover will automatically be extended up to a maximum of 10 calendar days in the event the Journey is being unavoidably delayed
Schedule of Benefits
| Core Benefits | Basic (HK$) | Standard (HK$) | Deluxe (HK$) |
|---|---|---|---|
1. Emergency Medical Expenses and Assistance a. Medical Expenses b. Emergency Medical Evacuation c. Repatriation of Remains d. Overseas Hospital Cash e. Compassionate Visit f. Child Guard |
$500,000 Unlimited Unlimited $5,000 NA NA |
$800,000 Unlimited Unlimited $5,000 $30,000 $30,000 |
$1,000,000 Unlimited Unlimited $5,000 $30,000 $30,000 |
2. Personal Accident a. Accident while in a Common Carrier b. Other Accidents |
$500,000 $250,000 |
$1,000,000 $500,000 |
$1,200,000 $600,000 |
3. Loss of Income Benefit |
NA |
NA |
$30,000 |
4. Journey Cancellation and Interruption a. Journey Cancellation b. Journey Interruption |
NA NA |
NA NA |
$20,000 $20,000 |
5. Personal Effects a. Baggage and Personal Effects b. Personal Money c. Travel Documents |
NA NA NA |
$8,000 $1,500 $10,000 |
$10,000 $2,500 $30,000 |
6. Delay Coverage a. Travel Delay b. Baggage Delay |
NA NA |
$1,500 $600 |
$2,000 $800 |
7. Personal Liability |
NA |
$2,000,000 |
$2,000,000 |
8. Credit Card Protection |
NA |
$20,000 |
$20,000 |
9. Loss of Home Content |
NA |
NA |
$3,000 |
Optional Benefits (Available to Standard and Deluxe Plan ONLY)
| Maximum Benefits (HK$) | |
|---|---|
1. Golf Protection a. Golf Baggage b. Hire Golf Equipment c. Loss of Green Fess |
$8,000 $6,000 $3,000 |
2. Cruise Vacation a. Additional Journey Cancellation and Interruption b. Cruise Cancellation and Interruption c. Excursion Tour Cancellation d. Excursion Satellite Phone Fee |
$30,000 $50,000 $10,000 $2,000 |
3. Scuba Diving a. Dive Tour b. Equipment Hire |
$15,000 $10,000 |
The above information provides only a summary of the policy benefits. Actual coverage provided shall be subject to the terms, conditions and exclusions of the policy.
In the event of differences between the English and Chinese versions of these webpage, the English version shall prevail.
Ans.: Yes, TravelWise is only available for those aged under 70.
Q2. Is scuba diving or other sport activities covered and are there any limitation or restrictions on these activities?
Ans.: As long as the activities are not performed under competition or professional sports or to earn income, they are covered without limitation or restriction.
Q3. Can a child be covered by the Single Trip Plan individually?
Ans.: Yes.
Q4. Should I bring along my policy during the journey?
Ans.: It is recommended you bring along the original policy during the journey and leave a copy with your family or friend in Hong Kong.
Q5. If I have to stay at the destination for one more day due to flight delay, should I buy another policy?
Ans.: Whenever the journey is unavoidably extended, the insurance will be automatically extended up to maximum 10 days.
Q6. Are my children covered by my annual policy if they travel without me?
Ans.: Yes.
Q7. Is there any limit on the trip duration?
Ans.: Single Trip Plan covers trips lasting up to 182 days. Annual Plan covers unlimited number of trips for up to 90 days.
Q8. What happens if my annual policy is due for renewal and expires while I am on holiday?
Ans.: If your annual policy expires while you are traveling outside Hong Kong, your trip will still be covered only if the policy is renewed within the 30-day grace period immediately following expiry.
Q9. What procedures shall I take if I am sick during the journey?
Ans.: You can visit a qualified medical practitioner for medical consultation. Please remember to keep all doctor report(s)/ receipt(s) for claims settlement.
Q10. If I need to file a claim, what is the procedure?
Ans.: The claim procedure is very simple. You can download the claim form at this website. Send the completed form with all necessary supporting documents to Chartis Hong Kong? office and we will process your claim request.
Chartis is a world leading property-casualty and general insurance organization serving more than 45 million clients in over 160 countries and jurisdictions. With a 90-year history, one of the industry's most extensive ranges of products and services, deep claims expertise and excellent financial strength, Chartis enables its commercial and personal insurance clients alike to manage virtually any risk with confidence.
Chartis is the marketing name for the worldwide property-casualty and general insurance operations of Chartis Inc.
Customer Service Hotline: +852 3666 7022
[Office Hours: Monday to Friday 9:00a.m to 6:00p.m, except public holiday]
Fax No.: +852 2838 4180
Address: 46/F, One Island East, 18 Westlands Road, Hong Kong
Email: travelguard.hk@chartisinsurance.com
Claims Services
Customer Service Hotline: +852 3666 7090
[Office Hours: Monday to Friday 9:00a.m to 6:00p.m, except public holiday]
Fax No.: +852 2834 8962
Address: 46/F, One Island East, 18 Westlands Road, Hong Kong
Email: travel.claim.hk@chartisinsurance.com
Emergency Assistance Services
24-hour Travel Guard Assistance Hotline: +852 3516 8699