Travel Insurance

Nowaday, everyone says "Enjoy my Life", enjoy traveling with the comprehensive protection that we Access Insurance Consultants offer you. There are many products available and give you different levels of benefits during your vacation.

General Coverage:

- 24-Hour Worldwide Emergency Services, Medical Expenses, Personal Accident, etc.,

- Follow-up medical expenses after the return to Hong Kong

- Covering sky and winter sports, trekking, skiing, scuba diving, rafting, bungee jumping and various water sports without additional premium.

- Extension of coverage to Personal Accident, Medical Expenses, Worldwide Emergency Aid, Travel Delay, etc.

- No limitation on the number of unmarried children aged below 18 (applicable to “Individual + Children” and “Family” packages )

- During the Journey in China, the Insured Person is eligible to have Emergency Cash Assistance through the Bank, if who losses personal money in a robbery or travel documents in a robbery or an accident. Maximum cash advance is HK$500 or equivalent amount in RMB.

- Automatic extension of insurance cover for a maximum of 10 days, due to unavoidable delay of the scheduled itinerary without additional premium.

Important Notes

- No cancellation and premium refund are allowed once the policy is issued.

- An Insured Person can only be covered under one Insurance Certificate / Policy for the same insured Journey (except the free insurance provided by the travel agent). If the Insured Person is covered under more than one Certificate / Policy underwritten by the Company for the same Journey, the liability of the Company in respect of any one Insured Person for the same Journey is limited to the maximum benefits payable under one Insurance Certificate.

- This policy is valid for the purpose of leisure travel or business travel (limited to administrative and non-manual works only).

Basic Exclusions

- War (whether declared or not), invasion, act of foreign enemies, civil war, revolution and civil unrest.

- Flying as a pilot or member of the crew of any aircraft.

- Any willful, malicious and unlawful or deliberate act.

- Any professional sports or where an insured person would or could earn income or remuneration from engaging in such sport or game. Racing of any kinds and competition.

- Any pre-existing conditions or excluded sickness, suicide, self-inflicted injury, childbirth, miscarriage, dental treatment (except as necessitated by accidental injuries to sound natural teeth), mental and nervous disorders, insanity, alcoholism or drug addiction, venereal disease, AIDS or AIDS related complex.

- Losses not reported within 24 hours to the authorities (such as airlines, travel agent, police, etc..) and failure to provide the report certified by the relevant authorities.