Business Travelsure Protection Plan

1. This Plan is available to person who is aged under 75. For an Insured Person aged under 18 (on the day of death), the accidental death benefit will be limited to HKD100,000.
2. If the trip has to be cancelled due to the issuance of Red Alert or Black Alert or unexpected outbreak of Natural Disaster for the country of planned destination before the departure of the Journey, all the paid and irrecoverable expenses for tours, air tickets or hotel accommodation will be reimbursed. The maximum claim is HKD30,000. 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.
3. 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 Insured Person will be reimbursed, according to the Policy, 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. The Insured Person must take relevant comprehensive motor vehicle insurance provided by the rental organization against loss or damage to the rental vehicle during the rental period.
4. This insurance is only valid for travel (business or leisure) departure from Hong Kong. Within the policy year, there is no limitation on the total number of trips, and the maximum cover period of each trip is 60 days.
5. Only applicable to Business Travelsure Protection Plan.
6. Premium discount offer is only applicable to first policy year. A 35% discount will be offered and the premium for each insured employee is as low as HKD1,524 (original price: HKD2,345). For 2 or more insured employees, the premium for each insured employee is HK1,492 (original price: HKD 2,295). The amount of premium(s) above may slightly differ from the actual premium(s) payable by less than HKD 1.00 due to rounding differences.
7. Levy collected by the Insurance Authority ("IA") has been imposed on relevant policy (except for certain exempted insurance classes) at the applicable rate and would be remitted in accordance with the prescribed arrangements. For further information, please visit www.qbegihk.com or www.ia.org.hk.

Enrolment in General Insurance products via hangseng.com is only applicable to Hang Seng Commercial Cardholders (with the exception of Hang Seng Renminbi Diamond Commercial Card). For other premium payment methods, you may contact our 24-hour Business Partner Direct on 2198 8000 for enquiry. 

In the event of any discrepancy or inconsistency between the English version and the Chinese version of the above information, the English version shall apply and prevail. 

The above is intended as a general summary of information for reference only. Please refer to the English version of the policy for the plan coverage, exact terms and conditions and exclusions.