Business Travelsure Protection Plan

• QBE General Insurance (Hong Kong) Limited reserves the right to revise the terms and conditions of the offers or cancel the offers without prior notices to customer.
• Customer who holds or cancels or has held or cancelled any policy under the Business Travelsure Protection Plan in the past six months will not be entitled to the offers above.
• In case of any disputes, the decision of QBE General Insurance (Hong Kong) Limited and Hang Seng Bank Limited shall be final.
• The above is a general summary of information and is for reference only. Please refer to the English version of the policy for the exact terms and conditions and exclusions.

The medical expenses (including outpatient treatments; and the cost of dental treatment as a result of accident) and emergency assistance costs arising from sickness or accident during the trip include: 

• Overseas hospital admittance deposit guarantee up to HKD20,000
  
• For hospitalisation outside Hong Kong, or hospitalisation upon return to Hong Kong (more than 24 hours), hospital cash benefit of HKD500 per day, up to a maximum limit of HKD5,000 will be paid
  
• Expenses of follow-up treatment due to sickness or insured accidental bodily injury during the trip within 3 months after returning to Hong Kong for up to HKD75,000 (Proof of first consultation with doctor received overseas must be presented). Coverage amount can be used for chinese medicine practitioners and bone-setting fees in Hong Kong for up to HKD150 per consultation per day and up to a maximum coverage of HKD2,000
  
• Additional reasonable accommodation and travel expenses (confined to economy class) for travelling dependents returning to Hong Kong in advance, or visiting close relatives, or incurred as a result of death or sudden illness of close relatives

• Emergency medical evacuation and repatriation expenses back to Hong Kong under doctor's recommendation 
  
• Cost for burial abroad or transport of remains back to Hong Kong.

• Accidental death, loss of limb(s), eyesight, hearing, speech or permanent total disablement
  
• In the event of accidental death, the next of kin of the deceased will receive an additional cash relief benefit of HKD50,000
  
• In the event of death due to sickness, the next of kin of the deceased will receive an additional cash relief benefit of HKD20,000
  
• Accidental Death benefit for dependent unmarried children aged under 18 in HKD100,000
  
• Pays the outstanding balance of the covered credit card† in event of accidental death or permanent total disablement of the Insured Person who is also the Policyholder up to a maximum of HKD50,000. If the Policyholder is additionally covered by one or more policy(ies) underwritten by QBE General Insurance (Hong Kong) Ltd (“Company”) for the covered credit card in the same Accident, this Policy will only cover the portion (if any) of the outstanding balance of the covered credit card after deducting the benefit payable from those policy(ies) 

†covered credit card refers to the credit card of the Policyholder issued by Hang Seng Bank Limited (“Hang Seng Bank”)which was debited for the premium payment of his/ her Travelsure Protection Plan policy

• Loss of cash, travellers cheques or etc. taken or not taken with the Insured Person 
  
• Cost of replacing travel documents, identity card, credit card or driving license
  
• Loss of credit card leading to unauthorised use of credit card 

(Losses must be reported to the police within 24 hours)

• For baggage and personal items lost or damaged during the trip
  
• New purchase price will be compensated if the items were purchased within 2 years
  
• Maximum amount recoverable for each item is HKD5,000 

(Losses must be reported to the police within 24 hours)

• Emergency purchase of essential items upon temporary deprivation of baggage for at least 10 hours from the time of arrival at destination abroad for the Insured Person due to hijacking or airline mishandling. The compensation will be on a reimbursement basis, subject to no claim is paid under Baggage and Personal Belongings.

• If the scheduled aircraft, sea vessel, or train is delayed for at least 6 hours from departure or arrival, the compensation is HKD250 for the first 6 hours of delay, the compensation is HKD200 for every 8 hours thereafter, maximum claim is HKD2,000,  

                                                                                            OR  

• Reimburse for the irrecoverable loss of pre-paid or reasonable and necessary additional expenses incurred in hotel accommodation in the event of travel delay outside Hong Kong for more than 24 consecutive hours, up to maximum amount of HKD1,000 per insured person,   

                                                                                            OR  

• Any additional travel costs including alternative public transportation costs and accommodation expenses necessarily incurred as a direct consequence of the issuance of the Black Alert for the country of planned destination if the Insured Person has to re-route to get to alternative destination or return to Hong Kong after the Insured Person has commenced the Journey.

(Compensation for only one of the above)

• If the trip has to be cancelled due to the following situations, all the paid and irrecoverable expenses for tours, air tickets or hotel accommodation will be reimbursed: 
  
• Death, serious illness or injury of the Insured Person, family members or business partners. 
  
• Unexpected outbreak of Natural Disaster# at the planned destination arising within one week before the departure date of the Journey. 
  
• The issuance of Red Alert or Black Alert^ for the country of planned destination before the departure of the Journey. 

Benefits payable for Loss of Deposit or Cancellation under Red Alert is up to 50% of the relevant loss under this Section; whereas benefits payable under Black Alert is up to 100% of the relevant loss under this Section. 

• If the trip has to be curtailed after its commencement due to the following situation, the irrecoverable prepaid and unused portion of the Journey will be reimbursed proportionally to the Insured Person:
  
• Death, serious illness or injury of the Insured Person, family members or business partners
  
• Unexpected outbreak of Natural Disaster# at the planned destination that prohibits the continuation of the Journey
  
• The issuance of Red Alert or Black Alert^ for the country of planned destination during the Journey.
  

Benefits payable for Curtailment under Red Alert is up to 50% of the relevant loss under this Section; whereas benefits payable under Black Alert is up to 100% of the relevant loss under this Section.

• Covers the legal liability for third party's death or property damage due to negligence

• If the Insured Person rents or hires a rental vehicle during the Journey which is involved in a collision whilst under his/ her control or the rental vehicle is stolen or damaged and the rental agreement includes an insurance excess (or deductible or similar condition), the Company will reimburse the Insured Person the insurance excess paid for the above described loss or damage to such rental vehicle, up to maximum HKD5,000. This benefit shall be payable only once per Journey

• Medical Expenses incurred as a direct result of Natural Disaster during the Journey, the Company will reimburse an additional Sum Insured under “Medical and Other Expenses” section up to HKD150,000. 
  
• If an Insured Person suffers an Injury due to a Natural Disaster during the Journey, which directly and independently of all other causes results in claim payable under benefit 1 to benefit 5 of “Personal Accident” section, the Company will pay an additional Sum Insured up to HKD300,000.