
If you and your employees travel to China frequently for business, the China Medical Card will enable you to receive in-patient medical treatment at more than 100 designated hospitals in mainland China without having to pay an admission deposit in advance. The annual premium is only HKD300 per card.
| Policy benefits | Limit per insured person (HKD) |
|---|---|
| Personal accident - Accidental death - Loss of two eyes, two limbs or one eye and one limb - Loss of one eye or one limb - Death or permanent total disability caused by an accident in a common carrier or private car - Permanent total disability caused by other accidents |
600,000 600,000 300,000 1,200,000 600,000 |
| Medical and other expenses - Compassionate visits - Repatriation of remains - Funeral expenses |
600,000 60,000 50,000 10,000 |
| Emergency medical evacuation expenses | 600,000 |
| Hospital benefits | 600,000 (200 per day, max 30 days) |
| Baggage and personal effects+ (including golf equipment, cameras and video recorders) |
10,000 (max 3,000 per item, pair or set) |
| Travel expenses incurred in replacing an insured person in the event of serious sickness or accident | 10,000 |
| Loss of business documents* | 5,000 |
| Loss of travel documents* | 5,000 |
| Storage of personal effects* | 5,000 |
| Golf ‘hole in one’ cover | 2,000 per event 4,000 per year |
| Credit card protection | 5,000 |
| Delayed baggage (at least 6 hours) | 2,000 |
| Personal money* | 3,000 |
| Personal liability* | 2,000,000 |
| Travel delay | 2,500 (250 for the first 6 hours and each subsequent 12 hours) |
| Loss of deposit or cancellation* | 50.000 |
| Curtailment* (including cash allowance for travel alert) | 50,000 |
| China Hospital admission deposit (with a China Medical Card) | Full guarantee |
* These items are subject to a HKD200 excess per claim (The excess is not applicable to cash allowance provided for Travel Alert).
+ Baggage and personal effects are subject to an excess of HKD300 per claim except for PDAs, MP3s, notebooks, slimnotes, pocket PCs, portable DVDs, mobile phones, laptops, etc. which are subject to an excess of HKD300 or 25% of the loss, whichever is greater.
| Number of people | Area 1 Annual premium per person (HKD) |
Area 2 Annual premium per person (HKD) |
|---|---|---|
| 1 - 2 | 972.00 | 1,536.00 |
| 3 - 4 | 923.40 | 1,459.20 |
| 5 - 7 | 874.80 | 1,382.40 |
| 8 or more | 826.20 | 1,305.60 |
| Additional premium for China Medical Card (optional) |
300 (non-refundable) |
300 (non-refundable) |
Area 1
Brunei, Cambodia, Mainland China, Guam, Indonesia, Japan, Korea, Macau, Malaysia, Myanmar (Burma), Philippines, Saipan, Singapore, Taiwan, Thailand, Tinian and Vietnam
Area 2
Worldwide
All insurance policies contain exclusions. Here is a summary of the main exclusions. For a complete list, please refer to the policy documents.