Business TravelCare
Coverage and Benefits
China Medical Card – new benefits for travellers in China
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.
Competitive premiums for you and your employees
| 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
Policy exclusions
All insurance policies contain exclusions. Here is a summary of the main exclusions. For a complete list, please refer to the policy documents.
- War, terrorism and related perils
- Suicide, self-inflicted injury, pregnancy, childbirth, insanity, alcoholism, VD, AIDS, drug-taking
- Engaging in:
- Professional sports or racing other than on foot
- Deep-water diving deeper than 40 meters
- Motor rallies
- Sports or activities in return for remuneration
- Aviation other than as a fare-paying passenger
- Illegal acts
- Property more specifically insured
- Working in those occupations as excluded under the policy
Important notes
- The above insurance plan is underwritten by HSBC Insurance (Asia) Limited, which is part of HSBC Insurance, the identity under which the HSBC Group's insurance underwriting subsidiaries operate.
- HSBC Insurance (Asia) Limited is authorised and regulated by the Hong Kong Commissioner of Insurance to carry out general insurance business in the Hong Kong SAR.
- The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Insurance (Asia) Limited.
- The information shown is intended as a general summary. You should refer to the insurance policy for detailed terms and conditions.
- Business TravelCare is suitable for most types of business, but not all. For more information, please call 2748 8282.
The information provided here is subject to the actual policy wording and that customers should refer to the relevant insurance policy for its terms and conditions. Please click here for full policy schedule.
