Charings travel insurances




Benefit Schedule

+ - Medical and Related Expenses

Covered up to HK$1,000,000

  • Return of unattended dependent children: HK$40,000
  • Compassionate visit: HK$40,000
  • Guarantee of hospital admittance deposit: HK$40,000
  • Local translator (per day/sub-limit): HK$500/HK$5,000
  • Catch up expenses: HK$5,000
  • Follow up medical treatment within 3 consecutive Months due to:
    - Accidental bodily injury: 100% of max limit
    - Sickness: 10% of max limit
  • Hospital Cash Benefit (per day/sub-limit): HK$500/HK$5,000
  • Compulsory quarantine cash (per day/sub limit): HK$800/HK$5,600
  • Satellite phone calls whilst on board a cruise: HK$3,000
  • Extensions:
    1. Chinese bone-setting, acupuncture, physiotherapy, chiropractic treatment (per visit per day/sub-limit): HK$200/HK$3,000
    2. Additional travelling expenses for purpose seeking medical treatment in overseas hospital: HK$500
    3. Follow up medical expenses within 3 consecutive Months if infectious disease is contracted during journey confirmed within 7 days returning in HK: 10% of max limit

    Children under 18 and Insured Persons over 70, will receive 25% and 50% of the maximum limit respectively.
+ - Worldwide Emergency Assistance
Fully covered
  • 24-Hour Emergency Assistance Hotline Service
  • emergency medical evacuation
  • repatriation/repatriation of mortal remains
+ - Personal Accident
Covered up to HK$1,000,000
Extensions:
  • third degree burn: HK$200,000
  • compassionate death cash benefit due to
    (i) accidental bodily injury: HK$50,000
    (ii) sickness: HK$20,000
  • credit card protection: HK$50,000
  • (Children aged under 18 at the time of death, will receive up to $100,000 only. Insured Person aged over 70 will receive 50% of the maximum limit)
+ - Baggage & Personal Effects
Covered up to HK$25,000
Pays for the loss of or damage to your baggage (including laptop, mobile phone), sub-limits:
  • any one item or pair: HK$7,500
  • any one mobile phone or tablet computer (maximum of one set of either item): HK$3,000
+ - Baggage Delay

Covered up to HK$1,000
Pays for emergency purchase of essential items if your baggage is delayed for more than 6 hours

+ - Personal Money & Travel Documents
Covered up to HK$6,000
sub-limits:
  • loss of money or unauthorized use of credit card: HK$3,000
  • the replacement cost of travel documents and additional travelling expenses and/or accommodation expenses: HK$3,000
+ - Personal Liability

Covered up to HK$3,000,000
Indemnifies you in respect of your legal liability towards third parties for accidental bodily injury or property damage together with associated legal costs and expenses

+ - Travel Delay

Covered up to HK$10,000
Sub-limits: For (i), (ii) and (iii) as a direct result of:
strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the public common carrier or closure of the airport, We will pay:
(i) travel delay (each and every 6 hours/sub-limit): HK$300/HK$2,500
(ii) extra accommodation expenses or irrecoverable pre-paid deposits or charges due to travel delay: HK$3,000
(iii) trip re-routing costs due to travel delay: HK$10,000
For (iv) and (v), reimburses the reasonable accommodation and meal expenses (if not compensated by any third party)
(iv) missed journey: HK$10,000
(v) overbooking: HK$10,000

+ - Trip Cancellation

Covered up to HK$50,000
Reimburses irrecoverable prepaid deposits or charges in the event of:

  • unexpected outbreak of strike, riot, civil commotion, terrorism, hijack, natural disasters or adverse weather conditions
  • serious damage to the Insured Person’s principal home in Hong Kong arising from fire, flood or burglary
  • death, serious physical injury or serious illness of the Insured Person, immediate family member, close business partner or travel companion
  • witness summons, jury service or compulsory quarantine of the Insured Person
  • “Red” or “Black” alert issued under Outbound Travel Alert System (Maximum payable amount for “Red” alert shall be 50% of the irrecoverable deposits or charges paid in advance)
  • bankruptcy of a registered travel agent under Travel Industry Council of Hong Kong (TIC)
+ - Trip Curtailment

Covered up to HK$50,000
Reimburses the proportional return of relevant irrecoverable prepaid cost of the planned holidays or additional incurred travel costs (confined to economy class) and accommodation expenses due to:

  • unexpected outbreak of strike, riot, civil commotion, terrorism, hijack, natural disasters or adverse weather conditions
  • serious damage to the Insured Person’s principal home in Hong Kong arising from fire, flood or burglary
  • death, serious physical injury or serious illness of the Insured Person, immediate family member, close business partner or travel companion
  • “Red” or “Black” alert issued under Outbound Travel Alert System (Maximum payable amount for “Red” alert shall be 50% of the relevant irrecoverable prepaid cost or additional costs and expenses)
  • bankruptcy of a registered travel agent under Travel Industry Council of Hong Kong (TIC)
+ - Home Care Benefit

Covered up to HK$20,000
Pays for loss of or damages to your home contents as a result of fire while you are overseas

+ - Trauma Counselling

Covered up to HK$25,000
Sub-limit as below: Pays for the counseling fees if you are the witness &/or victim of a traumatic event
– per visit per day: HK$1,500

+ - Rental Vehicle Excess

Covered up to HK$5,000
Pays for the motor insurance policy excess incurred by you if you are involved in a collision whilst the rental vehicle is driven by you, or it is stolen or parking damaged

+ - China Hospital Guarantee

Optional for Annual Cover
Provides guarantee of hospital deposit to the hospital under Hospital Network in China upon presenting the China Hospital Deposit Guarantee Card


This policy is only valid for travel originating from Hong Kong. All benefits and premiums are in Hong Kong Dollars.

Free automatic 10 days extension (applicable to single journey only)
Automatically extended for a maximum period of 10 days in the event that the Insured Person is unavoidably delayed in the course of the scheduled itinerary which was stipulated prior to departure.

Optional one way cover (applicable to single journey only)
For Insured Persons not returning to Hong Kong, cover terminates no later than 7 days from scheduled time of arrival at the country of final destination or expiry of the original declared period of insurance, whichever is the earlier.

Free cover for children (applicable to single journey only) If you are travelling with your children, they will enjoy free cover. (Note: Please refer to the Benefit table for the maximum limits under Section 1 and 3 applied to children under 18)

24-Hour Emergency Assistance Hotline
With SmartTraveller, you will automatically receive the benefits of 24-Hour Assistance service provided by AXA Assistance, this means that any time of the day, anywhere in the world, emergency medical assistance is only a phone call away.

Maximum duration of journey(s)
■ Single Journey – maximum 184 days
■ Annual Cover (unlimited number of journey) – maximum 90 days for each journey

Security provided by AXA General Insurance Hong Kong Limited - Benefits are the SmartTraveller VIP plan





Charings Limited is a member of The Hong Kong Confederation of Insurance Brokers Registration Number 0507

Charings Limited (the "Company") is remunerated for its services by the receipt of commission paid by insurers. Your agreement to proceed with this insurance transaction shall constitute your consent to the receipt of commission by the Company.

The proposer/policyholder has a duty of disclosure to disclose all material facts which would influence a prudent underwriter in fixing the terms and conditions of the insurance otherwise the claim could be prejudice. You should continue to disclose any material facts which would affect the risk throughout the policy period.

©2015 Charings Limited