American Express Journey Protection Plus
All American Express Cardmembers and their spouse and child(ren). All the insured persons must reside in Hong Kong with valid HKID cards. The Cardmember and his/her spouse must be between 18 - 60 years of age on the effective date of the insurance. Legal child(ren) includes the Cardmember's stepchild(ren) and/or legally adopted child(ren) who is/are residing in Hong Kong, who is/are primarily dependent upon the Cardmember for maintenance and financial support, and who is/are at least thirty (30) days old and below eighteen (18) years of age (or below twenty-three (23) years of age if he/she is a full time student) during the period of insurance.
No, this insurance only extends to you, your spouse and/or child(ren).
Benefit amount per child will be limited to HK$200,000. The aggregate limit per family for any one accident is 220% of the "Air Trip Accidental Death Benefit".
Any vehicle, train, taxi, waterborne vessel or other form of public transportation that is licensed to carry fare-paying passengers as a regular passenger service operating over established routes at scheduled departure and arrival times.
Yes, as long as your journey departs from and returns to Hong Kong and you have purchased the return tickets, and the whole period of journey is not more than 21 days, you will be covered under this insurance plan for this journey. If you are not traveling by air, your coverage will commence when you leave the Hong Kong immigration counter.
Yes, all benefits will commence when you leave Hong Kong and end when you arrive back in Hong Kong. If the accident happens while you are traveling on the ferry or other common carrier or private motor vehicle, then you are entitled to the "Extended Trip Common Carrier/ Private Motor Vehicle Accidental Death Benefit";
When you are not on a common carrier or private motor vehicle, you will still be covered under the "Extended Trip Accidental Death Benefit" if an accident happens during the journey outside Hong Kong;
For the flight to Taiwan and back to Macau, the "Air Trip Accidental Death Benefit" will cover you while you are on the flight, in the airport terminal, and while you are traveling directly to and from the airport by common carrier.
Yes, you will still be covered whilst you are traveling to the car racing activity. Only accidents which happen during the competition period will be excluded.
The insurance company will arrange the premium refund as per the terms stated in the policy if the policyholder wants to cancel his/her policy. However, the refund mechanism shall not apply if any claim has been made.
This plan is exclusively for American Express Cardmembers and an AMEX card must be used for premium payment.
Yes, you are covered on the way to and from the airport if you are traveling to and from the airport by public conveyance.
Yes, natural disasters like tidal waves, earthquakes, etc are covered under this policy.
Yes, the benefit for you and your family members is independent so even if your family members are all traveling separately, they are all still covered.