
If you and your employees travel to China frequently for business, the new 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 evaluation | 600,000 |
| Hospital benefits | 6,000 (200 per day, max 30 days) |
| Baggage and personal effects+ (including golf equipment, cameras and video recorders) |
10,000 (max 3,000 per item) |
| 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 12 hours) | 2,000 |
| Personal money* | 3,000 |
| Personal liability* | 2,000,000 |
| Travel delay | 2,500 (250 per 12 hours) |
| Loss of deposit or cancellation* | 50.000 |
| Curtailment* | 50,000 |
| China Hospital admission deposit (with a China Medical Card) | Full guarantee |
* These items are subject to a HKD200 excess per claim
+ Baggage and personal effects are subject to an excess of HKD300 per claim except for PDAs, 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 and Vietnam
Area 2
Worldwide
All insurance policies contain exclusions. Here's a summary of the main exclusions. For a complete list, please refer to the policy documents.