Frequently Asked Questions (FAQ)

Frequently Asked Questions (FAQ)
Frequently Asked Questions (FAQ)
    Travel Insurance
    1.
    When is the earliest effective date for online application of Travel Insurance?

    The earliest effective date for online application is 60 days before your departure.For example,

    2.
    Can I apply for Travel Insurance if I am not departed from Hong Kong?

    To effect the Travel Insurance Policy, all journeys must be departed from Hong Kong.

    3.
    Can I apply for Travel Insurance if I hold foreign passport?

    Yes. Please go to any of our branches of Wing Lung Bank for application.

    4.
    Is there any age limit for the insured person?

    For Single Journey
    Coverage is available from 3 months to 80 years of age before the inception of the journey. Children aged between 12 and 18 years, coverage can be enhanced by paying adult’s premium but they can only be covered under the GOLD and SILVER PLAN. For individually insured children, they must obtain consent from their parent or guardian. Also, parent or guardian needs to visit our branch to complete the application for their children in person.
    For Annual Cover
    The insured person must be below 70 years old on the first commencement date of the policy, and renewable up to 80 years old.

    5.
    I lost my mobile phone during the journey, could I be compensated?

    Our policy does not cover mobile phone, notebook and desktop but covering any loss or damage to photographic and transistorized equipments. (Find out more in Terms and Conditions )

    6.
    What can I do when I get injured during the journey?

    Unfortunately, if you get injured in your journey, you should go to the local hospital or authorized clinic immediately. Remember to keep the original medical receipt and report for the relevant medical expenses claims. More Claim Notices

    7.
    Can I get any compensation for any loss if the travel agency suddenly closes down?

    Our Travel Insurance does not cover any loss due to close-down of the travel agency. However, you can make your claim(s) to the “Travel Industry Compensation Fund”. (Website:www.ticf.org.hk/index.htm)

    8.
    If my family member/friend suffers from an accident and is injured seriously during the journey, what kind of overseas assistance does this plan offer?

    You can call “WORLDWIRDE EMERGENCY ASSISTANCE” Hotline at (852) 2862-0193 at any time for medical advice, arrangement of hospital admission, emergency medical evacuation, repatriation, etc. The services are provided by an appointed emergency assistance provider. Customers need to pay for the International Call services.

    9.
    May I apply for the Travel Insurance for my children who plan to participate in exchange programme or an oversea study?

    As long as your children do not involve in any manual labor work, our Travel Insurance can cover any accidental property loss and injury medical costs. You should notice that the single travel plan covers a trip up to 180 days and annual travel plan covers unlimited number of trips with 90 days per trip.

    10.
    What should I do if my journey delays due to mechanical fault or bad weather?

     

    1. 1) If your journey is delayed for 8 consecutive hours or more due to mechanical fault/ bad weather, you can request for carrier report (including the reasons and date of delay) from your airline. Please keep the boarding pass and the air ticket for reporting a claim.
    2. Also, if you need to purchase essential items and clothing overseas due to baggage delay for 8 consecutive hours or more, you should keep the original receipt of the purchased items and request for carrier report (including the reasons and date of delay) from your airline for reporting a claim. More Claim Notices

     

    11.
    What can I do if my personal belongings are stolen during the trip?

    If your personal belongings are unfortunately stolen during the trip, you should report to the local police within 24 hours and keep the local police report for reporting a claim after you return to Hong Kong. More Claim Notices

    12.
    Why should I need an Annual Travel Insurance Plan?

    If you often go travelling and want to save time and money, an Annual Travel Plan is suitable for you. One-time application can cover for the whole year. Click Here for more information.

    Back to top

    Sweet Home Insurance
    1.
    If the building has already been covered under Fire Insurance or Building Owners Corporation's Third Party Liability Insurance, is it necessary to apply for Sweet Home Insurance?

    Fire Insurance mainly compensates property damage of the building structure such as walls, windows, ceilings, floors, water pipes and the property’s original fixtures and fittings caused by fire.
    The coverage of Building Owners’ Corporation Third Party Liability Insurance mainly includes public area of the building.
    Sweet Home Insurance covers the following:

    1) The substantial loss and damage of household contents caused by any of the unforeseeable accidents.
    2) Legal liability as an occupier, tenant or personal capacity to third parties.

    If you already have a Fire Insurance, you can consider applying for Sweet Home Insurance for a comprehensive protection.

    2.
    Will the improvements and betterments on walls, windows, ceilings, floors and doors caused by an accident be covered under Household Contents?

    Condition 1:

    If the improvements and betterments have been existed in your house when you buy it, it cannot be covered under the Household Contents of Sweet Home Insurance. The above contents are covered under Building. Therefore, you can select the optional benefit of Building for a comprehensive protection.

    Condition 2:

    If the improvements and betterments are changed or improved by the insured, they will belong to Household Contents and be covered under this policy.

    Condition 3:

    1. f the improvements and betterments are purchased from the developer with an additional cost as a package when the insured buys the house as first-hand buyer, they can be covered under Household Contents.

    Condition 4:

    If the improvements and betterments are purchased from the developer with an additional cost as a package but the insured does not buy the house as first–hand buyer, they cannot be covered under Household Contents.

    3.
    Does Sweet Home Insurance cover the loss of personal effects kept in the hotel or at an alternative accommodation when I prepare for overseas emigration?

    For a maximum period of one month counting from the date you vacate the insured home, Sweet Home Insurance policy will be extended to cover the loss of your personal effects whilst kept in the hotel or at an alternative accommodation when you prepare for overseas emigration.

    4.
    If I apply for Sweet Home Insurance, what are the items that my domestic helper who is residing in my home to be covered by this policy?

    Coverage 1:

    The accidental loss of stolen or accidental damage to personal effects (excluding money and valuable properties) of your domestic helper residing in your home.

    Coverage 2:

    The legal liability in the event of your domestic helper’s negligence causing third party bodily injury or property damage. However, the policy does not cover any of the intentional or illegal behavior.

    5.
    If there are structural changes of the home or open-kitchen is used, does it impact on the coverage of Sweet Home Insurance?

    According to the terms and conditions of Sweet Home Insurance, if the structural changes do not violate the Building Management Ordinance and other related rules and regulations, or such structural changes have already been approved by Buildings Department of the HKSAR Government, the coverage will not be affected.

    6.
    If the water pipe bursts accidentally, what will be covered? Does Sweet Home Insurance policy cover the public liability if this causes damage to other property downstairs?

    In the event of burst pipe, in general, Sweet Home Insurance will cover the following for Landlord and Tenant:

    • Loss of or damage to your household contents;
    • The cost of damage to household contents due to temporary removing away from the property on the way for repairing, cleaning or modification.

    If there is other property suffering from the water damage caused by your burst pipe where you are held legally liable in this situation, Sweet Home Insurance will cover your personal liability for such damages. Without prior written consent from Wing Lung Insurance Company Limited, you must not make any admission, offer or promise of payment to third parties.

    7.
    Does Sweet Home Insurance cover body injury or property damage caused by animals?

    We only cover third party’s body injury or property damage caused by domestic dogs or cats legally raised by the insured person.

    8.
    If I rent a house, can I apply for Sweet Home Insurance?

    Yes, you only need to apply for the Basic Benefits under Sweet Home Insurance, which have the coverage of household contents and personal & occupier’s liability.

    9.
    What is the earliest effective date for Sweet Home Insurance?

    Once your application form is completed and approved by Wing Lung Insurance Company Limited, the policy will be effective immediately after you pay the policy premium.

    10.
    How can I apply for automatic renewal of my Sweet Home Insurance?

    In order to have a continuous coverage in a simple way, you only need to select Automatic Renewal Instruction on the application form. By doing this, we will directly debit your authorized account for the premium of next renewal policy period before the expiry of your policy. And your policy will be automatically renewed at the end of each policy year.

    11.
    If I have already applied for Sweet Home Insurance and in the event of an accident, what should I do?

    You should complete the claim form and notify Wing Lung Insurance Company Limited in writing within 14 days from the date of accident, together with all supporting documents and evidence. If it involves third party’s property damage or body injury, you should report the issue to your own Property Management Office and notify Wing Lung Insurance Company Limited while requesting the related report from your Property Management Office. In the meantime, you must not make any admission, offer or promise of payment to third parties without prior written consent from Wing Lung Insurance Company Limited.

    You may click here to get more information or contact us at 2826-8428 or download the claim form directly. Please complete the claim form and send to Wing Lung Insurance Company Limited with relevant supporting documents. You may also submit the claim form to Wing Lung Insurance Company Limited via any of Wing Lung Bank branches.

    Back to top

    Domestic Helper Insurance
    1.
    What is Waiting Period?

    It is a 15-day waiting period from the policy inception date for each Domestic Helper Insurance Policy. No benefits shall be payable under Clinical Expenses, Surgical & Hospitalization Expenses, Dental Expenses and Loss of Service Cash Allowance during the waiting period.

    2.
    Is there any age limit for insured Wing Lung Insurance “Domestic Helper Insurance”?

    Age limit for Wing Lung Insurance “Domestic Helper Insurance” is from 18 to 70 for Plan A and from 18 to 60 for Plan B.

    3.
    What kind of insured plans can Local/Foreign Domestic Help apply for?

    Local/Part-time domestic helper can only be insured under Plan A of Wing Lung Insurance “Domestic Helper Insurance”. Foreign domestic helper can be insured under Plan A or B of Wing Lung Insurance “Domestic Helper Insurance”. Except for the statutory Employees’ Compensation insurance, other coverage such as medical expense is provided to fulfill the employer’s responsibility to employees based on the employment contracts. Therefore, Wing Lung Insurance “Domestic Helper Insurance” Plan B is suitable for employer with foreign domestic helper.

    4.
    Is there a choice of insurance period for a Domestic Helper Insurance?

    All plans of Wing Lung Insurance “Domestic Helper Insurance” provide choices of insurance period between one to two years.

    5.
    Can I apply for Wing Lung Insurance “Domestic Helper Insurance” for my relatives or friends?

    No. The insured domestic helper should have employment relationship with the insured.

    6.
    If my domestic helper’s employment contract has been expired or I want to dismiss my domestic helper with some reasons, can I cancel the policy?

    Yes. You should notify Wing Lung Insurance in writing and return your policy immediately. When we receive your application, we will cancel your policy and refund the premium of the unexpired period of the policy. Please note that the minimum and non-refundable premium of each policy is HK$400. For details, please refer to terms and conditions.

    7.
    If I replace a domestic helper, what should I do?

    You should provide the copy of the new domestic helper’s passport together with the insurance policy number and effective date by post or e-mail or fax to Wing Lung Insurance. You can also give the above information to any one of Wing Lung Bank branches in person for passing to Wing Lung Insurance. Please note that the waiting period will also apply to the new domestic helper.

    8.
    My domestic helper has had an accident out of Hong Kong. Can I make a claim?

    In general, the geographical area of this policy is limited to Hong Kong only. However, if the insured domestic helper suffers from an accidental injury or death in the course of employment when he/she accompanies the Insured in an overseas trip, the Insured is entitled to the protection under section of “Employer’s Liability”.

    9.
    Can Wing Lung Insurance “Domestic Helper Insurance” cover the expenses of heart disease or cancer?

    Wing Lung Insurance “Domestic Helper Insurance” does not include medical insurance of major illness. You can apply “Major Illness Medical Insurance Supplementary Plan” for this extra protection under the policy of Wing Lung Insurance “Domestic Helper Insurance”. Please note that this extra plan is only applicable to foreign domestic helper aged from 18 to 55. For details, please contact us at 2826 8428 for enquiries.

    10.
    Can I make a claim for the expense of replacing a new domestic helper?

    The expenses of the replaced domestic helper can only be compensated when the insured domestic helper is repatriated due to serious illness, injury or death.

    Back to top

    Personal Accident (Plus) Insurance
    1.
    Who can apply for Wing Lung Insurance “Personal Accident (Plus) Insurance”?

    Anyone including housewife or student can apply for Wing Lung Insurance “Personal Accident (Plus) Insurance”. To enjoy the comprehensive protection, you simply need to select the class of your occupation in the application and settle the premium. For details, please refer to Classification of Occupation and Main Exclusion . Besides, the insured person should meet the following requirements:

    • Must hold a valid Hong Kong Identity Card and normally residing in Hong Kong.
    • Age between 12 and 65 and renewable up to the age of 70.
    • Age between 12 and 18 can only be insured under Plan 1 and must obtain consent from their parent(s) or guardian.

    2.
    What is the definition of an “accident”?

    “Accident” means any sudden unforeseen and unexpected event of violent accidental external and visible nature which shall independently of any other cause be the sole and direct cause of Injury.

    3.
    Is the insured required to undertake a health examination?

    If the insured has bodily disablement or adverse medical condition, our company will require him/her to provide medical assessment report and may charge additional premium or impose additional clause or reject the application.

    4.
    If I am accidentally infected by disease, can I make a claim?

    Any kind of sickness or disease even if contracted by accident is not covered under the policy. However, this does not exclude bacterial infection which is the direct result of cut or wound caused by an accident.

    5.
    If I apply for Personal Accident Insurance with more than one insurance company, can I claim compensation from all the insurance companies?

    You must declare the information about similar insurance plan(s) being covered (including the life insurance) when you apply for Wing Lung Insurance “Personal Accident (Plus) Insurance”. If you have applied for Personal Accident Insurance with more than one insurance company, we can only cover the excess amount of the medical expense incurred by accidents having claimed from another source.
    However the benefits of “Accidental Death” and “Permanent Disablement” are not affected in this respect.

    6.
    Does Wing Lung Insurance “Personal Accident (Plus) Insurance” cover Chinese Bonesetter, Acupuncturist and Chiropractor treatment expense?

    This policy has extended benefits within 12 consecutive months from the date of accident including:

    • Registered/listed Chinese Bonesetter, Acupuncturist and Chiropractor treatment expense
    • Physiotherapist Expenses

    The above is limited to maximum 5 visits per year for each benefit and subject to maximum limit of the extension benefits. For details, please refer to the policy schedule.

    7.
    What is Automatic Renewal?

    If you have authorized Wing Lung Insurance to renew your policy automatically in the proposal form, the policy will be automatically renewed at the end of each policy year. You should be aware that:

    • No notice of amendment to the renewal terms and conditions has been sent to you prior to the expiry date of your existing policy, and
    • You have authorized us to directly debit your Wing Lung Bank account or Wing Lung credit card or your other credit card for the premium of next renewal policy period.

    8.
    What should I do if emergency assistance is required abroad?

    You can contact Inter Partner Assistance Hong Kong Ltd (IPA) at (852) 2861-9293 for medical advice, arrangement of hospital admission, emergency medical evacuation, repatriation, etc. For more services and terms and conditions please click here . All successful applicants of Wing Lung Insurance “Personal Accident (Plus) Insurance” are entitled to the above services.

    Back to top

    The above information is provided for reference only. If you have further questions which
    are not mentioned above, please feel free to send us email (enquiry@wlins.com) with the question(s) and contact details or you can call us at 2826-8428 for enquiry.

    Search Results