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Benefit Table

American Express Premier Travel Protector

Regardless of whether you are going on a summer vacation, taking a business trip or frequently travelling aboard, you can get the travel insurance coverage you need from us. Enjoy the flexibility of choosing between Single Trip Plan or Annual Multi-Trip Plan.

 

BENEFITS Plan 1 Plan 2
MAXIMUM SUM INSURED (HK$)
ACCIDENTAL DEATH & PERMANENT DISABLEMENT
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1 PERSONAL ACCIDENT *
- Accident whilst traveling on a Public Conveyance (17 up to and including 75 years of age on the first day of that Journey) 800,000 1,600,000
- Other Accident (17 up to and including 75 years of age on the first day of that Journey) 400,000 800,000
- Accident (under 17 or above 75 years of age on the first day of that Journey) 200,000 400,000
EMERGENCY MEDICAL EXPENSES AND EMERGENCY ASSISTANCE SERVICES
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2 MEDICAL EXPENSES
- Medical Expenses 600,000 1,200,000
- Follow-Up Medical Expenses
- a. As a result of Sickness
b. As a result of Bodily Injury
c. Maximum amount for Chinese Medicine Practitioner
d. Daily maximum amount for Chinese Medicine Practitioner
100,000
250,000
3,000
150
200,000
500,000
3,000
150
3 Chubb Assistance - 24 HOUR WORLDWIDE ASSISTANCE SERVICES
- Emergency Medical Evacuation and/or Repatriation Unlimited Unlimited
- Return of Mortal Remains Unlimited Unlimited
- Compassionate Visit 15,000 30,000
- Additional Hotel Accommodation Expenses incurred due to Medical Reasons 5,000 10,000
- Child Escort 15,000 30,000
- Compassionate Death Travel Allowance 15,000 30,000
- Chubb Assistance-Twenty Four (24) Hour Telephone Hotline and Referral Services Applicable Applicable

4

PREGNANCY RELATED MEDICAL EXPENSES

5,000 10,000

5

DEATH BENEFIT - DUE TO SICKNESS

10,000 20,000
6 HOSPITAL CASH
- Maximum Amount 2,500 5,000
- Maximum Daily Benefit 500 500

7

BURNS BENEFIT 100,000 200,000
PERSONAL PROPERTY & TRAVEL DOCUMENTS
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8 PERSONAL PROPERTY
- Maximum Amount 10,000 20,000
- Maximum amount for each item/set/pair (except Laptop) 3,000 3,000
- Maximum amount for Laptop 10,000 10,000
9 PERSONAL MONEY 750 1,500
10 LOSS OF TRAVEL DOCUMENTS 5,000 10,000
TRAVEL INCONVENIENCE
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11 TRIP CANCELLATION 15,000 30,000
12 TRIP INTERRUPTION
- Trip Curtailment 15,000 30,000
- Trip Re-route 5,000 10,000
- Return Overseas after Trip Interruption 2,500 5,000

DELAY BENEFITS

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13 TRAVEL DELAY
- Maximum amount of Cash Allowance 1,500 1,500
- Cash Allowance for each consecutive eight (8) hour period of delay 500 500
- Maximum amount of Cash Allowance if Hotel Accommodation Expenses incurred 1,500 3,000
14 BAGGAGE DELAY 500 1,000

OTHER BENEFITS

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15 PERSONAL LIABILITY 3,000,000 3,000,000
16 RENTAL VEHICLE EXCESS 1,500 3,000
17 HOME CONTENT PROTECTION
- Maximum amount 10,000 20,000
- Maximum amount for each item/set/pair 3,000 3,000
18. CREDIT CARD PROTECTION 30,000 30,000
19. GOLFER'S HOLE IN ONE 3,000 3,000

* Please refer to Policy Wording Section A, special conditions to Section A, point iii. for the aggregate limit.

 

Optional Upgrade Benefit-Applicable to Annual Cover (Plan 2) Only

BENEFITS MAXIMUM SUM INSURED (HK$)
- Medical Expenses (max.: 2 units) 1,000,000 per unit
- Trip Cancellation / Curtailment (max.: 2 units) 35,000 per unit
 

Eligibility

Single Trip

Individual Plan:

All individual customers, family members or friends aged 12 years or above and who are residing in Hong Kong with valid HKID cards.

Family Plan:

Includes the insured person, his/her legally married spouse and/or legal child(ren). The insured and spouse must reside in Hong Kong with a valid HKID card and be over 18 years of age on the departure date. Legal child(ren) includes stepchild(ren) and/or legally adopted child(ren) who is/are unmarried Hong Kong resident(s), and on the departure date he/she/they is/are at least 3 months of age and below 18 years of age (or below 23 years of age if studying full time in a recognized institution).

Annual Multi-Trip

Individual Plan:

All individual customers, their legally married spouse, their child(ren), or their parent(s)/parent(s)-in-law aged 18-70 years old who are residing in Hong Kong with valid HKID cards.

Family Plan:

Includes the insured person, his/her legally married spouse and/or legal child(ren). The insured/spouse must reside in Hong Kong with a valid HKID card, and be between 18-70 years of age on the commencement date of insurance. Legal child(ren)includes stepchild(ren) and/or legally adopted child(ren) who is/are unmarried Hong Kong resident(s), and he/she/they is/are at least 3 months of age and below 18 years of age (or below 23 years of age if studying full time in a recognized institution) during the period of insurance.

 

Important Notes
Single Trip

  1. Under the "Family" plan, the maximum benefit in respect of Personal Accident for any one accident shall not exceed 300% of the largest sum insured which applies to any member of that family
  2. Departure date must be within 90 days from the application date;
  3. Maximum 180 days per trip;
  4. No refund of premium is allowed once the policy has been issued, unless that is caused by a necessary cancellation due to unexpected host of RED or BLACK travel Alert on the scheduled destination.

Annual Multi-Trip

  1. Under the "Family" plan, the maximum benefit in respect of Personal Accident for any one accident shall not exceed 300% of the largest sum insured which applies to any member of that family
  2. The insured child under the Family Plan shall only be covered if he/she is accompanied by his/her insured parent(s);
  3. Effective date must be within 90 days from the application date and there shall be no coverage before the effective date;
  4. Maximum 90 days per trip (Plan 1 : 10 days; Plan 2: 90 days.)
  5. To ensure you are protected at all times, your policy will be automatically renewed upon each anniversary and premium will be charged to your American Express® Card or other credit card which you use to pay for this year's coverage. A reminder will be sent to you prior to your anniversary date.