Intimate protection makes your vacation perfect. Arrange a suitable and affordable travel insurance plan before starting your pleasant journey.
Requirements of policyholder:
- Between 18 – 85 years old (The maximum insured age of annual plan is age 75. Annual plan is renewable up to insured age 85).
Requirements of an insured person:
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Family member(s) or friend(s) of policyholder, and is / are aged between 30 days and 85 years old.
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Family member(s) of policyholder refers to policyholder's immediate family member including spouse and your unmarried children aged 17 years old or below.
The following circumstances shall not be covered by Well Link Insurance:
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Travellers not recommended to travel by medical professionals
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Medical care received prior to travel
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On-duty high-risk industry practitioner
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Professional and amateur athletes
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Travel to Afghanistan, Iran, Iraq, Sudan, Syria, Democratic Republic of Congo and/or Democratic Republic of Somalia, Ukraine, Russia, Israel, West Bank of Jordan, Lebanon, Jordan, Yemen, Red Sea, Eastern Mediterranean, Strait of Horms, North Korea or other countries located in war zones
Coverage
Insured/Policyholder is entitled to receive zone specific travel protection on the following aspects:
- Medical Expenses:
Reimbursement to insured person for medical expenses resulted from accident or illness sustained during the trip.
- Accidental Death or Total and Permanent Disablement: A lump sum compensation will be paid to insured person or his / her family in the event of accidental death or total and permanent disablement of the insured person during the travel.
- Emergency Medical Evacuation and Repatriation: Medical repatriation to Hong Kong for insured person in the event of his / her inability to return to Hong Kong resulted from severe illness or severe accidental injury during the travel.
- Loss of Personal Effects: The insured person is covered in the event of lost, stolen or damaged personal belongings or travel documents during the travel.
- Delayed Baggage* : The insured person is covered in the event of checked-in baggage being delayed for over 6 consecutive hours.
- Travel Delay* : The insured person is covered in the event of travel delay or cancellation due to:
- Flight cancellation caused by ash clouds or strikes
- Delayed public transport due to mechanical breakdown
- Travel delayed for over 6 consecutive hours
* “Travel Delay/ Delayed Baggage” protection is not applicable to policyholder/insured person who holds any other travel insurance policy(ies) with same nature of benefit for the same delay. Customers with our Travel Insurance Policy(ies) issued before that date will not be affected.
- Travel Cancellation: The insured person is covered in the event of trip cancellation due to:
- Insolvency of travel company or flight carrier
- Black Alert under OTA system
- Strike, riot at planned destination
- Death, serious injury of insured or insured person's family member
- Shortening of Travel: The insured person is covered for paid but unused trip in the event of travel disruption due to unexpected death, serious injury or illness during travel.
- Personal Liability: The insured person is covered against the legal liability
for injury or property damage caused by negligence during the journey.
- Rental Car Excess: A compensation up to HK$5,000 per insured person for any accident in a rental car during the trip.
- Automatic Policy Extension:If the insured person is hospitalised overseas and is unable to return to Hong Kong on the scheduled date, the policy will be automatically extended subject to payment of additional premium.
- Pet Hotel (optional): Reimbursement of extra pet hotel expenses for one pet of the insured person in the event of travel delay due to your hospitalisation overseas
(only for one microchipped pet).
Note:
- Single-trip travel insurance covers a maximum of 182 days per trip.
- Annual travel insurance covers a maximum of 90 days per trip.
Maximum compensation limit is subject to type of coverage.
Benefit table and limit (click here)
Our single trip plans can cover you for trips up to 182 days.
Our annual plan covers you for all travel taken within a 12 month period. There's no limit to the number of trips you can take so long as each trip is no more than 90 days.
Simply provide your personal information such as name, identity card number and date of birth of yourself and your insured person (if any).
Please consider the coverage amount based on your circumstances and insurance need.
Consider the following:
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How much your family would need without your salary to support them should you become disabled or involved in a fatal accident.
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Will you be taking expensive items such as cameras during your trip? If so, you will need to choose a plan with a higher cover.
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Your affordable premium.
Asia:
Brunei, Cambodia, China, India, Indonesia, Japan, Korea, Laos, Macau, Malaysia, Myanmar (Burma), Philippines, Saipan, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam.
Worldwide:
All other countries except for excluded countries.
We do not cover you for the following countries:
Afghanistan, Iran, Iraq, Sudan, Syria, Democratic Republic of Congo and Somalia Democratic Republic, Ukraine, Russia, Israel, Jordan West Bank, Lebanon, Jordan, Yemen, Red Sea, Eastern Mediterranean, Strait of Hormz, North Korea or other countries located in war zones.
We'll cover you for scuba-diving as long as you inform us during the time of purchase; also you have a qualified instructor with you.
We cannot cover people who have been advised by a medical practitioner not to travel or anyone who is travelling on a trip to receive medical treatment.
No. Our “Travel Delay/Delayed Baggage” protection is not applicable to policyholder/ insured person who holds any other travel insurance policy(ies) with same nature of benefit for the same delay.
Notes:
1. This product is underwritten by Well Link General Insurance Company Limited.
2. The above content is for general information for reference only and does not form part of the policy. Please refer to the policy document for benefit coverage, exclusion and provisions. For enquiries, please contact our Customer Service Hotline at +852 2884 8888.
