Travel Insurance 2.0

From NOW, apply Travel Insurance 2.0 (Single Journey) via online to enjoy 40% premium discount; apply Travel Insurance 2.0 (Annual Cover) to enjoy 40% premium discount.

Travel Insurance 2.0 with Free COVID-19 Coverage Extension, for details, please click "Apply Now" to browse CMB Wing Lung Insurance Company Limited’s website.

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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.
- Covers the loss of delay or interruption of the journey in excess of 6 consecutive hours as a result of an act of aircraft hijack.
- 24-Hour Worldwide Travel Assistance Services.

Basic Benefits		Diamond	Gold	Silver
Basic Benefits		(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
2.	- 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.	HK$800,000	HK$600,000	HK$400,000
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 benefit 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
4.	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.	HK$200,000	HK$100,000	HK$50,000
5.	Hospital Cash Benefit	HK$6,000 HK$300 per day	HK$3,000 HK$150 per day	HK$2,000 HK$100 per day
5.	A cash benefit if the Insured Person is hospitalized while on the journey as a result of accidental injury or sickness.	HK$6,000 HK$300 per day	HK$3,000 HK$150 per day	HK$2,000 HK$100 per day
6.	Repatriation of Mortal Remains	HK$95,000	HK$50,000	HK$25,000
6.	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.	HK$95,000	HK$50,000	HK$25,000
Special Care
7.	Return of Accompanied Children	HK$20,000	HK$10,000	HK$5,000
7.	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.	HK$20,000	HK$10,000	HK$5,000
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$20,000	HK$10,000	HK$5,000
		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
10.	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.	HK$3,000	HK$1,500	HK$1,000
11.	Personal Identity and Travel Ticket or Document	HK$10,000	HK$5,000	HK$2,500
11.	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.	HK$10,000	HK$5,000	HK$2,500
Travel Interruption
12.	Deposits and Cancellation of Trip	HK$30,000	HK$15,000	HK$7,500
12.	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.	HK$30,000	HK$15,000	HK$7,500
13.	Trip Curtailment / Re-routing	HK$30,000	HK$15,000	HK$7,500
13.	(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.	HK$30,000	HK$15,000	HK$7,500
14.	Baggage Delay	HK$1,500	HK$1,000	HK$500
14.	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.	HK$1,500	HK$1,000	HK$500
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
15.	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.	HK$2,000 Every 6 hours HK$ 500	HK$ 1000 Every 6 hours HK$ 250	HK$500 Every 6 hours HK$ 125
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.			HK$5,000
		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
17.	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.	HK$2,000,000	HK$1,000,000	HK$500,000
Others
18.	Loss of Home Contents Due to Burglary	HK$10,000	HK$5,000	HK$2,000
18.	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.	HK$10,000	HK$5,000	HK$2,000
19.	Rental Vehicle (except Motor Cycle) Excess Reimbursement	HK$5,000	HK$2,500	-
19.	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.	HK$5,000	HK$2,500	-

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Outbound Travel Alert Extended Coverage

To provide a more comprehensive protection to the policyholders of CMB Wing Lung Insurance Company Limited ("CMB Wing Lung Insurance") "Travel Insurance 2.0", CMB 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, CMB 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
	"Deposit &Cancellation Charge"Cover In the event of an unavoidable cancellation of the scheduled journey, CMB 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. "Trip Curtailment / Re-routing" Cover During the journey, in the event of an unavoidable curtailment / re-routing of the scheduled journey, CMB 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. "Travel Delay" Cover During the journey, CMB 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
	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.

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"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 (*)
No. of Days	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	1,078	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	1,276	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 sound and 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 CMB 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.