Annual Journey Safe

Make Every One of Your Journey Safe!!

Executives who travel frequently can really sit back and relax! The Annual JourneySafe Travel Insurance provides the extra peace of mind that busy travelers like you really need. The Annual JourneySafe Travel Insurance offers a wide range of comprehensive travel coverage on an annual basis. You can travel as many times as you like without having to worry about travel insurance every time you take a trip.
With the Annual JourneySafe Travel Insurance, you will enjoy.

• No deductible for Medical cover.

• Cashless In-patient cover and 24-hour round-the-world emergency hotline.

• Unlimited benefit amount of Emergency Medical Evacuation and Repatriation.

• All amateur sporting activities are covered at no additional charge.

• We cover losses arising out from sudden bursting of war.

• Natural disaster is covered under Medical and Personal Accident cover.

• Baggage coverage extends to lap-top computer.

• Exclusive Compassionate Visit Benefit by Family Member and/or Colleague.

• Unlimited times of journey.
  
  

• 24-Hrs. Worldwide Assistance

• Emergency Medical Assistance And Expenses

• Exclusion For Section 1

• Personal Accident

• Journey Cancellation Or Journey Curtailment

• Exclusions For Section 3

• Personal Baggage/Property

• Personal Money

• Loss Of Travel Documents

• Travel Delay

• Delayed Baggage

• Personal Liability

• Exclusions For All Sections

• Important Notice

• Benefits / Premiums

• Hotline : (852) 2926 8074

24-Hours Worldwide Assistance

With Annual JourneySafe you can enjoy free worldwide telephone assistance, provided by American International Assistance Service (AIAS), on matters of

• pre-trip assistance,

• medical service directions,

• lost baggage,

• legal service,

• emergency ticket service,

• medical evacuation and repatriation, and all other general assistance whenever you encounter difficulties during your trip. This service allows you to call 24 hours a day-any day of the year, from anywhere in the world for immediate assistance in your own language (Mandarin, Cantonese and English).

Description of Coverage

1. EMERGENCY MEDICAL ASSISTANCE AND EXPENSES

• Emergency Medical Evacuation :
  AIAS will provide emergency medical evacuation in case of a serious accident or illness which necessitates moving the Insured Person to other location for appropriate medical treatment.

• Repatriation of Remains:
  In the event of death during the journey, AIAS will arrange to return the deceased Insured's remains to Hong Kong / Macau.

• Medical Expenses:
  Reimbursement for the costs of qualified medical treatment, surgery and hospitalisation that arise from accidental injury or sickness occurring during the journey. Necessary follow up medical treatment incurred within 3 months after return to Hong Kong / Macau is also covered up to HK$ 50,000.

• Hospital Income Benefit :
  Cash benefits of HK$ 500 per day will be paid in the event that you are hospitalised abroad during the Journey.

• Compassionate Visit by Family Member and/or Colleague:
  We pay for reasonable additional hotel accommodation and travelling expenses necessarily incurred by up to two Immediate Family Members or Colleague, in the event of Death, Serious Injury or Sickness of an Insured Person during the journey.
  
  

• Exclusions for Section 1

• Suicide, self-inflicted injury, childbirth, pregnancy, miscarriage, dental treatment (except as necessitated by accidental injuries to sound natural teeth), mental and nervous disorders, insanity, alcoholism or drug addiction, self-exposure to needless peril, venereal disease, AIDS or AIDS related complex.

• Non-essential treatment, surgery or hospitalisation and, unnecessary additional cost.

• Any evacuation or repatriation not arranged by AIAS except for reasons beyond control.

• Any Pre-Existing Condition.
  
  Medical Security Service
  In the unfortunate event of an accident or sickness which requires hospitalization, AIAS will arrange payment to the hospital up to the policy limit. You only need to contact AIAS Centre who helps those in need of medical care to the most appropriate medical facilities available in that area before you admit yourself to any hospital.
  
  

2. PERSONAL ACCIDENT

• Accidental Death or Permanent Total disablement.
  
  Exclusions for Section 2

• Suicide, self-inflicted injury, childbirth, pregnancy, miscarriage, mental and nervous disorders, insanity, alcoholism or drug addiction, self-exposure to needless peril, venereal disease, AIDS or AIDS related complex.
  
  

3. JOURNEY CANCELLATION OR JOURNEY CURTAILMENT

• We will indemnify for the irrecoverable prepaid cost of the planned trips as shown on the booking invoice, calculated pro rata for each completed day of the planned trip such day(s) being lost due to the necessary and unavoidable cancellation or curtailment of the planned trip arising from:
  
  

• Death, serious sickness or accident or like event occurring to the Insured Person, Immediate Family Member, or Close Business Partner;

• Unexpected outbreak of strike, hijack, riot or civil commotion at the planned destination arising out of circumstances beyond the control of the Insured Person;

• Serious damage of the Insured Person's principal residence from fire, flood, or similar disaster (typhoon, earthquake, etc.) which requires the Insured Persons presence on the premises.
  

• Exclusion for Section 3

• Financial circumstances or disinclination to travel.

• Failure to notify curtailment immediately to the provider of travel arrangement.

• Government regulation of Act or failure in provision of any part of the booked trip.

• Occasioned by any Pre-Existing Condition.

• Suicide, self-inflicted injury, childbirth, pregnancy, miscarriage, mental and nervous disorders, insanity, alcoholism or drug addiction, self-exposure to needless peril, venereal disease, AIDS or AIDS related complex.
  
  

4. PERSONAL BAGGAGE/PROPERTY

• In the event of theft, accidental loss or damage to the Insured Person's property for during the journey, we will indemnify up to a maximum of HK$10,000 subject to a sub-limit of HK$2,500 per item, pair or set. However, for lap-top computer, the maximum limit is HK$10,000. Excess: HK$100
  
  Exclusion for Section 4

• Normal wear and tear.

• Confiscation or detention by Customs.

• Breakage or damage to fragile article, documents, foodstuffs.

• Losses not reported to police within 24 hours, and/or to the carrier immediately as appropriate.

• Money, travel documents, jewellery, antiques.
  
  

PERSONAL MONEY

• Covers you for accidental loss theft or robbery of money (cash, bank or currency notes, traveller' s cheque and money order) during the journey. Excess: HK$100
  
  

LOSS OF TRAVEL DOCUMENTS

We will pay for the cost of obtaining replacement passports, travel tickets and other travel documents lost as well as additional travel expenses and hotel accommodation incurred to replace lost travel documents such loss arising out of robbery, burglary and theft. Excess: HK$100

• Exclusion for Section 5 and 6

• Losses not reported to police within 24 hours, and/or to the carrier immediately as appropriate.
  
  

7. TRAVEL DELAY

• In the event that the aircraft or sea vessel in which you have arranged to travel is delayed for at least 10 hours from the time specified in the itinerary due to strike, hijack, industrial action, adverse weather condition, or mechanical derangement of that aircraft or sea vessel, you may claim HK$500 for each full 10 hour' s delay up to a maximum of HK$ 5,000.
  
  Exclusion for Section 7

• Arising from failure to obtain written confirmation from the carriers or handling agents of the number of hours delayed and reason for such delay.

• Arising from strike or industrial action existing at the date of application of this insurance.

• Late arrival at the airport or port.
  
  

8. DELAYED BAGGAGE

• Covers HK$200 cash and the actual expenses incurred for the emergency purchases of essential items or clothing or requisites in the consequence of temporary deprivation of baggage for over 10 hours from time of arrival at destination due to misdirection in delivery; maximum up to HK$5,000
  
  Exclusion for Section 8

• Failure to obtain written confirmation from the carriers or handling agents of the number of hours delayed.
  
  

9. PERSONAL LIABILITY

• We will indemnify you for Legal Liability to a third party and the relevant legal costs or expenses up to a limit of HK$ 1,000,000 arising during the journey as a result of accidental injury or loss of or damage to property.
  
  Exclusion for Section 9

• Employer's Liability, contractual liability or liability of an Insured Person's family.

• Liability incurred by the acts of animals or property belonging to or in the care, custody or control of Insured Person.

• Any willful, malicious or unlawful act, any cost resulting from criminal proceedings.

• Liability arising out of the use of vehicles, aircraft, or water craft.
  
  

EXCLUSIONS FOR ALL SECTIONS

• 
  

• Any illegal or unlawful act.

• For any loss due to the Insured Person riding or driving in any kind of race and the Insured Person's participation in any professional sports.

• For any loss due to the Insured Person engaging in naval, military or airforce service or operations; being as a crew member or an operator of any air carrier; testing of any kind of conveyance; being engaging in any kind of labour work; engaging in offshore or mining or aerial photography; handling of explosives.
  
  

IMPORTANT NOTICE:

1. The maximum period for any one trip is 90 days.

2. Cover will automatically be extended for a maximum of 10 calendar days in the event of the journey being unavoidably delayed.

3. All benefits coverage are provided for travelling outside Hong Kong / Macau.

4. This insurance is available to adults from 17 to 70 years of age.

5. No refund of premium is allowed once the Policy of Insurance has been issued.

6. This insurance shall only apply to residents of, or expatriate stationed in, Hong Kong/ Macau.

7. This brochure is not a contract of insurance. All benefits and exclusions are only briefly outlined here. For completed details, please refer to the Policy of Insurance.