No, you must purchase the travel insurance before your departure from Hong Kong SAR.
No, you and your friend(s) and travel companions can enrol in to the same travel insurance policy.
For single trip plan: you can choose "Group" under "Cover Type" which allows up to 6 insured persons per policy.
For annual plan: you can choose "Couple" or "Family" under "Cover Type" which allows up to 10 insured persons per policy.
Single Trip Cover:
No, the annual plan covers unlimited number of trips during the Period of Insurance, and the maximum coverage period for each journey is up to 90 days.
You may enrol in the Single Trip Cover with your passport number. However, if you wish to enrol in the Annual Cover, you must apply with and hold a valid Hong Kong Identity Card during the Period of Insurance.
“Pre-existing Medical Condition” means any sickness or injury of which, in the 6 consecutive months before the first day of the Period of Insurance, an Insured Person, Immediate Family Member, Travel Companion or Business Partner presented signs or symptoms, or for which, in the same period, such person(s) sought or received (or ought reasonably to have sought or received) medical treatment, consultation, prescribed drugs, advice or diagnosis by a Physician.
No, the policy does not cover any pregnancy-related issues.
Dental treatment is covered only if it is caused by accidental bodily injury and to teeth which were sound and natural before the accident. Dentures are not covered.
You must receive medical treatment overseas before you can claim reimbursement for any follow-up medical expenses upon your return to Hong Kong SAR.
No, property confiscated by governmental authorities is not covered.
Yes, but you must report to the local police or equivalent local law enforcement officials within 24 hours of the occurrence and provide written proof of your loss having been reported to such officials when you submit claims.
Luggage that is checked or mailed separately prior to the journey is not insured. Luggage must be transported by the public transport that also carries the Insured Person to be insured.
Yes, this Policy covers this circumstance, provided that certifications issued by a doctor stating the health condition and the traveller being unfit to travel is accompanied with claims application.
In the event of:
The policy covers loss due to Trip Cancellation caused by covered events, however business obligations are excluded.
No, registration is not required. However, Chubb may require you to provide your Cathay membership number or relevant supporting documents for proof when applying to claim these benefits.
To ensure that you can continue in enjoying worry-free travel and protection when travelling abroad, your policy will be renewed automatically on the expiry date and the premium will be debited from the provided credit card. The renewal conditions are subject to the terms and conditions of the policy wording. If you do not wish to automatically renew the policy, please notify Chubb upon receipt of the renewal notice.
In the event of such cancellation, Chubb shall be entitled to retain the customary short period rate for the time this policy has been in force up to the cancellation date, computed in accordance with the Short Period Rate Table. For details, please refer to Part VII – Cancellation of This Policy of the Policy Wording.
Both Single Trip and Annual Cover plans offer emergency assistance services support. If the Insured is unfortunately injured in an accident, he/she may call the 24-Hour Chubb Assistance hotline for medical referral services and other assistances. If the Insured person requires emergency medical evacuation to another location or return to Hong Kong for appropriate medical treatment on the advice of a physician, Chubb Assistance will arrange for evacuation arrangements. In addition to the above service, Chubb Assistance 24-Hour emergency support hotline can also provide the following services:
For full details of Chubb Assistance services, please refer to Policy Wording.
No. Both our single and annual trip cover plans do not have any deductibles.
The above FAQs are for reference only. The terms, conditions and exclusions of the policy are subject to the Policy Wording.