Travel Insurance 2.0

From NOW, apply Travel Insurance 2.0 (Single Journey) via online to enjoy 30% premium discount; apply Travel Insurance 2.0 (Annual Cover) to enjoy 20% premium discount.

From now till 31st Dec, apply Travel Insurance 2.0 (Single Travel / Annual Travel) via WLB Wintech Mobile Application to enjoy 50% premium discount . For Terms and Conditions, please click HERE.

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    • Provide three Travel Insurance plans for different needs, one of them appropriate for you.
    • No deductibles on all benefits.
    • All non-professional sports are covered without extra premium. For details of benefit, please refer to the insurance policy.
    • Coverage for the loss of Cancellation or Curtailment of the journey, such as travelling expense, accommodation deposit, and absented activity tickets of the destination and etc.
    • Coverage for the loss of delay or interruption of the journey should the aircraft on which the insured person is a passenger be hijacked for 6 consecutive hours or more.
    • 24-Hour Worldwide Travel Assistance Services.

  • Basic Benefits

    Diamond

    Gold

    Silver

    (Maximum Limit)

    Medical Expenses and Personal Accident

    1.

    Medical Expenses

     

    Medical expenses incurred by the Insured Person within 12 calendar months as a result of accidental injury or sickness while oversea during the journey, including medical, hospital charges and surgery.

    HK$1,000,000

    HK$500,000

    HK$300,000

    For non-professional sports, maximum benefit limit will be reduced by 50%

    For age over 70, maximum benefit limit will be reduced by 30%

    Follow-up Medical Expenses incurred in Hong Kong:

    Sub-limit as below

    - Medical expenses incurred within 3 calendar months after the return to Hong Kong

    HK$50,000

    HK$25,000

    HK$10,000

    - Medical expenses for treatment rendered by a Registered / Listed Chinese Herbalist, Bonesetter, Acupuncturist and Chiropractor.

    HK$3,000
    visit per day HK$150

    HK$1,500
    visit per day HK$120

    HK$1,000
    visit per day HK$100

    2.

    Medical Emergency Evacuation / Supervised Repatriation

    HK$800,000

    HK$600,000

    HK$400,000

    - Medical Emergency Evacuation Pays the expenses incurred to evacuate the Insured Person to the nearest and most appropriate medical facility for medical treatment.

    - Medically Supervised Repatriation Pays the expenses incurred to repatriate the Insured Person back to Hong Kong for continued treatment.

    Evacuation / Supervised Repatriation is organized by appointed emergency assistance service provider.

    3.

    Accidental Death and Permanent Disablement

    HK$1,000,000

    HK$500,000

    HK$300,000

    A lump sum cash compensation in the event of accidental death or permanent disablement during the journey.

    For non-professional sports or age over 70, maximum benefits will be reduced by 50%

    Extra Cover: An extra compensation benefits for accidental death if the accident happens while the Insured Person is riding solely as a passenger on a public common carrier during the journey.

    HK$500,000

    HK$250,000

    HK$150,000

    This extra cover does not apply to Insured Person below 18 or over 70 years of age

    4.

    Major Burns Benefits

    HK$200,000

    HK$100,000

    HK$50,000

    Compensation for Second Degree Burns or Third Degree Burns with burnt areas equal to or more than 4.5% of total body surface area of the Insured Person arising from accident.

    5.

    Hospital Cash Benefit

    HK$6,000

    Everyday
    HK$300

    HK$3,000

    Everyday
    HK$150

    HK$2,000

    Everyday
    HK$100

    A cash benefit if the Insured Person is hospitalized while on the journey as a result of accidental injury or sickness.

    6.

    Repatriation of Mortal Remains

    HK$95,000

    HK$50,000

    HK$25,000

    Pays the necessary expenses incurred in the event of death due to accidental injury or sickness of the Insured Person:

    - to repatriate the mortal remains of the Insured Person back to Hong Kong, or

    - for burial abroad. Repatriation is organized by appointed emergency assistance service provider.

    Special Care

    7.

    Return of Accompanied Children

    HK$20,000

    HK$10,000

    HK$5,000

    Pays for additional travel and accommodation expenses incurred by unattended accompanied dependent child(ren) (aged under 15) of the Insured Person back to Hong Kong while the Insured Person has died, is seriously injured, sick or hospitalized overseas.

    8.

    Emergency Care Visit and Compassionate Death

    HK$20,000

    HK$10,000

    HK$5,000

    - Emergency Care Visit
    Pays for one (1) economy class round trip airfare and reasonable hotel accommodation expenses necessarily incurred due to emergency care visit by an immediate family member for the purpose of accompanying the Insured Person if the he / she is confined in hospital for more than 3 days due to serious accidental injury or sickness, or

     

    Compassionate Death

    Sub-limit for Compassionate
    Death Benefit

    Pays a lump sum as compassionate death cash or funeral expenses if the Insured Person has died during the journey due to accidental injury or sickness.

    HK$10,000

    HK$7,500

    HK$5,000

    Personal Belongings

    9.

    Baggage and Personal Effects

    HK$20,000

    HK$10,000

    HK$5,000

    Pays for accidental physical loss or physical damage to the Insured Person’s baggage or personal effects, including purchases made during the journey. Sub-limits for:

    Photographic and transistorized equipment

    Any other article, pair or set

    HK$5,000

    HK$3,000

    HK$1,000

    HK$2,000

    HK$1,250

    HK$600

    10.

    Personal Money

    HK$3,000

    HK$1,500

    HK$1,000

    Pays for loss incurred due to theft, robbery or accident for loss of cash, bank or currency notes, cheques, traveller’s cheques and unauthorized use of the Insured Person’s credit cards carried by the Insured Person during the journey.

    11.

    Personal Identity and Travel Ticket or Document

    HK$10,000

    HK$5,000

    HK$2,500

    Pays the cost of obtaining replacement of HKID card, credit cards, passport, driving license, air ticket, any travel and accommodation expenses incurred to obtain such replacement arising from theft, robbery, burglary or accidental loss during the journey.

    Travel Interruption

    12.

    Deposits and Cancellation of Trip

    HK$30,000

    HK$15,000

    HK$7,500

    Pays for irrecoverable prepaid travel and / or accommodation expenses upon the cancellation of the journey in the event of the following events occurred:

    (a) within 90 days before the scheduled departure date of the journey

    - sudden death or Serious Medical Condition (serious accidental injury or sickness as being dangerous to life and unfit to travel) of the Insured Person or the Insured Person’s immediate family member, intended travel companion or business partner,

    - the Insured Person being called up for witness summons or jury service, or

    - unexpected compulsory quarantine on the Insured Person, his / her spouse or dependent child(ren),

    (b) within 7 days before the scheduled departure date of the journey

    - unanticipated outbreak of strike or industrial action by employees of a public common carrier, riot or civil commotion, or

    - fire, flood, typhoon or burglary to the Insured Person’s or his / her intended travel companion’s principal home in Hong Kong.

    13.

    Trip Curtailment / Re-routing

    HK$30,000

    HK$15,000

    HK$7,500

    (a) Trip Curtailment

    Pays for irrecoverable loss of prepaid but unutilized portion of the travel and / or accommodation expenses or additional travel and / or accommodation expenses where the Insured Person has to curtail the journey directly due to the following events :

    - Serious Medical Condition of the Insured Person, sudden death or Serious Medical Condition of the Insured Person’s immediate family member, travel companion or business partner,

    - sudden serious damage to the Insured Person’s principal home in Hong Kong arising from fire, flood, typhoon or burglary, or

    - unanticipated outbreak of strike or industrial action by employees of a public common carrier, riot or civil commotion.

    (b) Trip Re-routing

    Pays for additional travel and accommodation expenses where the Insured Person has to re-route the journey directly due to the following events :

    - unanticipated outbreak of strike or industrial action by employees of a public common carrier, riot or civil commotion, or

    - closure of airport, port or train station due to electrical or structural defects for more than 6 hours.

    14.

    Baggage Delay

    HK$1,500

    HK$1,000

    HK$500

    Pays for actual cost of emergency purchases of essential items and clothing if the Insured Person’s baggage is delayed for 6 consecutive hours or more due to misdirection in delivery.

    15.

    Travel Delay

    HK$2,000

    Every 6 hours HK$ 500

    HK$ 1000

    Every 6 hours
    HK$ 250

    HK$500

    Every 6 hours
    HK$ 125

    Pays for every 6 consecutive hours’ delay of power-driven aircraft, sea vessel or train in which the Insured Person has arranged to travel due to mechanical breakdown, structural defects, strike or industrial action, bad weather or closure of airport, port or train station.

    16.

    Aircraft Hijack

    HK$20,000

    HK$10,000

    HK$5,000

    Pays for the delay or interruption of the journey in excess of 6 consecutive hours as a result of an act of aircraft hijack on which the Insured Person is a passenger of the power-driven aircraft.

    Limit per Day

    HK$2,000

    HK$1,000

    HK$500

    Legal Liability

    17.

    Personal Liability

    HK$2,000,000

    HK$1,000,000

    HK$500,000

    Pays for the Insured Person’s legal liability to any third party for accidental bodily injury, physical loss or physical damage to property caused by the Insured Person during the journey.

    Others

    18.

    Loss of Home Contents Due to Burglary

    HK$10,000

    HK$5,000

    HK$2,000

    Pays for loss or damage to the home contents of the Insured Person’s principal home in Hong Kong as a result of burglary while the premises is unoccupied during the journey.

    19.

    Rental Vehicle (except Motor Cycle) Excess Reimbursement

    HK$5,000

    HK$2,500

    -

    Pays for the motor insurance policy excess incurred by the Insured Person in the event of loss or damage to the rental vehicle whilst it is under his / her custody or control in the course of the journey.

     

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    Outbound Travel Alert Extended Coverage

    To provide a more comprehensive protection to the policyholders of Wing Lung Insurance Company Limited ("Wing Lung Insurance") "Travel Insurance 2.0", Wing Lung Insurance offers an "Outbound Travel Alert Extended Coverage" benefits free of charge. In the event that the Security Bureaus of the Government of the Hong Kong Special Administration Region issues an "Outbound Travel Alert" to the Insured Person's scheduled destination after an insurance cover has been granted, Wing Lung Insurance will reimburse the Insured Person in accordance to the maximum benefits limit of the plan selected, as below:

    I If a "Black Alert"is issued
     
    1. "Deposit &Cancellation Charge"Cover
      In the event of an unavoidable cancellation of the scheduled journey, Wing Lung Insurance will pay the Insured Person an irrecoverable loss of prepaid travel and / or accommodation expenses, provided that the insurance cover is granted not later than 7 days before the issuance date of the “Black Alert” at the Insured Person’s scheduled destination and the cancellation of the journey shall take place while such Alert is still in force.
    2. "Trip Curtailment / Re-routing" Cover
      During the journey, in the event of an unavoidable curtailment / re-routing of the scheduled journey, Wing Lung Insurance will pay the Insured Person an irrecoverable loss of prepaid but unutilized portion of travel and / or accommodation expenses or additional travel and / or accommodation expenses.
    3. "Travel Delay" Cover
      During the journey, Wing Lung Insurance will pay the Insured Person a lump-sum cash allowance of HKD2,000, HKD1,000 and HKD500 for Diamond Plan, Gold Plan and Silver Plan respectively for unavoidable delay of power-driven aircraft, sea vessel or train for more than 6 consecutive hours as from the scheduled time consequent upon the issuance of "Black Alert".
    II If a "Black Alert", "Red Alert"or "Yellow Alert"is issued
     
    1. Automatic Extension of Period of Insurance
      During the journey, the Policy will be automatically extended for a maximum of 10 days if the Insured Person is unavoidably delayed during the scheduled journey consequent upon the issuance of the above alerts.
    Notes : The promotional leaflet is simply a general summary for your reference and information only. For details, please refer to the terms and conditions of the policy.

    Top

    "Individual and Children" include 1 adult (age over 18), Insured Person 1 and his / her accompanying children aged between 3 months to below 18 years old.

    Individual and Children Cover

    Benefits

    Insured Person 1

    Each Child

    Section 2 and 6

    100%

    100%

    Other Sections
    (The maximum compensation of all Insured Persons payable by the Company shall not exceed 150% of the sum insured for each Section in the Policy)

    100%

    Maximum 25% each and 50% for all children

     

    "Family" include a maximum of 2 adults (age over 18), Insured Person 1, Insured Person 2 and accompanying children of Insured Person 1 aged between 3 months to below 18 years old.

    Family Cover

    Benefits

    Insured Person 1

    Insured Person 2

    Each Child

    Section 2 and 6

    100%

    100%

    100%

    Other Sections
    (The maximum compensation of all Insured Persons payable by the Company shall not exceed 250% of the sum insured for each Section in the Policy)

    100%

    100%

    Maximum 25% each and 50% for all children


    Notes
    Age Limit:
    • Coverage is available to adults up to 80 years of age before the inception of the journey. For insured accompanied children, the age limit is from 3 months to 18 years old.
    • Children aged between 12-18 years old, coverage can be enhanced by paying adult’s premium but they can only be covered under the GOLD or SILVER PLAN. For individually insured children, they must obtain consent from their parents(s) or guardian.
    • For Annual Cover, the Insured Person must be at or below 70 years old on the first commencement date of the Policy, and renewable up to 80 years old.

     

    Maximum duration of journey(s):

    • For Single Journey – Maximum 180 days.
    • For Annual Cover (Multiple Journey) – unlimited number of journey, subject to maximum 90 days for each journey.

     

     

    Worldwide Emergency Assistance

    1.

    Medical Advice - Provide medical advice to the Users over the telephone and will provide the Users with information about physicians, hospitals, clinics, dentists and dental clinics worldwide.

    2.

    Arrangement of Hospital Admission - If the medical condition of the Users is of such gravity that hospitalization is needed, the appointed emergency assistance service provider will assist the User by arranging for hospital admission.

    3.

    Monitoring of Medical Condition when Hospitalized – Doctors will monitor the User’s condition when being hospitalized.

    4.

    Arrangement of Medical Emergency Evacuation / Surprised Repatriation - Arrange for the air and / or surface transportation, medical care during transportation, communications and all usual ancillary service when moving the User to the nearest hospital where appropriate medical care is available. The appointed emergency assistance service provider will arrange for the return of the User to Hong Kong following an emergency medical evacuation of subsequent in-hospital treatment in a place outside Hong Kong.

    5.

    Arrangement of Repatriation of Mortal Remains - Arrange for the transportation of the User’s mortal remains from the place of death to Hong Kong or arrange for local burial at the place of death as requested by the subscriber.

    6.

    The above assistance service is organized by appointed emergency assistance service provider nominated by the Company.

No. of Days

Individual

Individual and Children(#)

Family (*)

Diamond

Gold

Silver

Diamond

Gold

Silver

Diamond

Gold

Silver

2

127

98

78

186

139

112

303

218

176

3

169

125

97

248

183

141

397

288

218

4

204

151

117

302

223

171

486

354

267

5

226

169

129

334

248

188

541

397

297

6

245

183

143

368

269

203

584

431

321

7

265

195

153

393

288

217

627

463

345

8

287

213

166

421

307

233

661

495

363

9

304

223

177

453

323

248

690

521

379

10

324

233

189

482

340

264

730

532

397

11

341

244

200

504

353

279

761

546

414

12

358

258

213

529

365

290

793

558

432

13

371

268

225

548

377

304

825

574

449

14

384

278

236

568

391

315

857

589

467

15

401

288

248

587

403

330

885

606

482

16

415

302

258

611

416

342

915

629

500

17

432

314

272

636

432

353

948

651

515

18

447

327

282

661

448

366

983

676

533

19

465

341

294

685

464

377

1,015

700

551

20

483

355

307

709

476

392

1,046

721

568

21

498

369

317

730

491

406

10,78

744

583

22

513

382

328

755

506

419

1,113

768

597

23

529

395

339

776

518

433

1,144

793

611

24

545

405

350

798

530

447

1,178

815

627

25

563

417

364

820

545

459

1,213

837

643

26

581

430

376

844

561

474

1,245

861

661

27

598

444

388

868

575

485

,276

884

678

28

614

457

401

892

591

500

1,311

908

696

29

630

467

414

915

603

514

1,345

930

714

30

647

480

428

940

618

525

1,377

953

728

31

664

494

442

961

633

536

1,409

977

742

32

678

507

454

982

648

549

1,441

1,000

759

each additional day up to 180 days

 

17

13

11

24

18

15

36

27

21

Annual Cover (Multiple Journey)

Maximum 90 days for each journey

1,760

1,450

1,140

2,640

2,190

1,710

3,520

2,900

2,280

 
# "Individual &Children" include 1 adult (age over 18), Insured Person 1 and his/her accompanying children aged between 3 months to below 18 years.

* "Family" include a maximum of 2 adults (age over 18), Insured Person 1, Insured Person 2 and accompanying children of Insured Person 1 aged between 3 months to below 18 years.

Remarks: The information above provides a brief introduction only. Please refer to the insurance policy for terms and conditions and other specific details.

Main Exclusions

1.

Any injury or loss due to war, riot, civil commotion, invasion, insurrection, revolution, military or usurped power, nuclear fission, nuclear fusion or radioactive contamination.

2.

Intentional self-inflicted injury or suicide.

3.

Intoxication by alcohol, narcotics or drugs not prescribed by a qualified and registered medical practitioner.

4.

Dental treatment (except as necessitated by accidental injuries to natural teeth).

5.

Baggage and Personal Effects do not include animals, mobile phones, computers and notebooks, jewellery, artificial teeth, money and the like.

6.

Loss of or damage to contact lenses, fragile or brittle articles unless caused by fire or accident to the conveyance.

7.

Childbirth, pregnancy, miscarriage, abortion and / or associated complications.

8.

Any prohibition order or regulations by any government, any illegal or unlawful act by the Insured Person or confiscation, detention, destruction by customs or other authorities.

9.

Big game hunting, racing of any kind (other than on foot), motor rallies or competition, professional sporting games, flying and / or other aerial activities other than:

(i) as a fare paying passenger in any fixed-wing airplane or helicopter provided and operated by an airline, or an air charter company which is duly licensed for the regular transportation;

(ii) parachuting;

(iii) as a fare paying passenger in hot-air balloon provided by an operator licensed with the relevant government authority.

10.

Sickness, illness, injury or medical condition that already existed, signs or symptoms that already presented and / or are known to the Insured Person prior to the journey or the purpose of the journey is for seeking medical treatment.

11.

Nervous or mental disease or disorder, AIDS, venereal disease, congenital anomalies or deformities.

12.

Any act of terrorism involved in the use of nuclear, chemical and biological agents or devices.

13.

Insured Person engaging in any form of non-administrative business activities during the travel period.

Important Notes to Proposer

1.

The insurance will not become effective until this proposal form has been accepted by Wing Lung Insurance Company Limited. (“the Company”).

2.

The Insured Person must be fit to travel at time of purchasing this insurance and is not aware of any circumstances which could lead to cancellation or disruption of the journey. Otherwise any claim could be prejudiced.

3.

This Policy shall be interpreted in accordance with the law and jurisdiction of Hong Kong.

4.

Single Journey policy shall be non-renewable and non-cancellable, the premium paid is non-refundable once the Policy is issued.

5.

An Insured Person can be covered under only one travel insurance policy of the Company for the same journey. In the event that the Insured Person being insured under more than one travel insurance policy issued by the Company, the Company will consider the Insured Person to be insured under the policy which provides the largest amount of benefit.

6.

For One Way cover, coverage shall be expired 5 days after the scheduled time of arrival at the country of final destination or upon expiry of the original period of insurance, whichever is the earlier.

7.

This insurance will be automatically extended without extra charge for a maximum of 10 days if the Insured Person is unavoidably delayed during the scheduled journey (only applicable to Single Journey policy).

8.

Any non-professional sports such as scuba diving, water skiing, rafting, sailing, windsurfing, other water sports and underwater activities, bungee jumping, horse riding activities, parachuting, trekking, mountaineering, rock climbing or winter sports etc, are covered without extra premium. However, if the Insured Person sustains injury or accidental death when participating in these activities, the maximum benefits under Section 1 and 3 will be reduced by 50%.

9.

For Insured Person of age over 70, the maximum benefit limit for Section 1 will be reduced by 30%. Section 3 will be reduced by 50%.

10.

Proposer has to disclose in this proposal form ALL material facts which shall form the basis of any policy issued hereunder, otherwise the policy issued may be void or voidable. If in doubt whether a fact is material, please disclose with details. Any alternations or corrections on this proposal form should be endorsed by the proposer.

11.

Proposer should keep a record (including copies of letters) of all information supplied to the Company for the purpose of application for this insurance.

12.

In case of discrepancies between the English and Chinese versions, the English version shall prevail.

13.

This promotional leaflet is simply a general summary for your reference and information only. For details, please refer to the terms and conditions of the policy.

Remarks: The information above provides a brief introduction only. Please refer to the insurance policy for Terms and Conditions and other specific details. In the event of any discrepancy or inconsistency between the English version and the Chinese version of this Terms and Conditions, the English version shall prevail.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of this Plan should be resolved between directly Wing Lung Insurance and the customer.

More Information
 

Please read the Wing Lung Insurance Co. Ltd.'s Notice to Customers Relating to the Personal Data (Privacy) Ordinance.

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