保诚旅行保险概述与保障

Prudential Travel Insurance - PRUChoice Travel Leisure

• Product Overview: A travel insurance plan offered by Prudential General Insurance Hong Kong Limited. The product provides comprehensive coverage for various situations that might arise during a trip, including medical emergencies, accidents, and trip disruptions.
• Coverage: Excess-free coverage for medical support and personal accident, with maximum limits up to HK$1,200,000. Specific sports and activities (e.g., bungee jumping, skydiving) listed as covered activities.
• Special Features: Covers airline company winding-up, cancellation, and curtailment of trips. Coverage is available for trips with varying durations and for both single trips and annual policies (up to age 75).
• Covid-19 Extension: Provides coverage for medical expenses, hospital cash, compassionate visits, and follow-up medical expenses within 30 days of return for COVID-19 diagnosis. This extension does not cover additional accommodation costs due to COVID-19.
• Travel Delay: Coverage for delays exceeding 5 hours due to various factors (e.g., strikes, bad weather). Compensation is offered in form of a cash benefit. This does not provide cover if the delay is covered by re-routing coverage.
• Additional Coverage Areas: Baggage and personal effects, personal money, credit cards and travel documents, personal liability, vehicle rentals, medical assistance (24-hour assistance services).
• Cancellation/Curtailment: Comprehensive coverage for various trip cancellation causes (e.g., severe illness, natural disasters, travel alerts).
• Exclusions: War, unreasonable care and attention, professional sports activities, pre-existing medical conditions, and other specific situations detailed in the policy document.
• Premium: Premiums are based on destination and trip duration. Annual cover has a monthly or yearly fee.

Policy Details and Exclusions

• Medical Support: Covers overseas medical expenses, hospital cash benefits, and follow-up medical costs in Hong Kong within 3 months of returning.
• Personal Accident Coverage: Provides 100% coverage for accident-related death, permanent disability, and loss of limbs or sight as a direct result of an accident during travel.
• Baggage/Personal Effects: Covers accidental loss or damage to baggage and personal effects "new for old" provided the item is less than 2 years old.
• Personal Money and Credit Cards: Covers accidental loss of money and travel checks. Includes protection against unauthorized credit card use in a timely manner.
• Travel Documents: Covers replacement costs due to theft or loss of travel documents issued from robbery, burglary or theft including additional expenses like accommodation and transport.
• Other Coverage: Covers extra accommodations and transportation for people who travel due to an incident or medical condition, along with compassionate visits.
• Exclusions: The policy specifically excludes certain types of pre-existing conditions, pre-notice illnesses, specific activities (professional sporting events and competitive activities), and those associated with certain conditions (venereal diseases, pregnancy, miscarriages). Conditions that existed or were known to exist before the application or itinerary confirmation are also excluded.
• Exclusions (Additional): Exclusions include certain medical treatments, natural disaster conditions, or those related to the trip's purpose (e.g., treatment as the primary purpose of the trip).

Application and Payment

• Application Form: Details required for applying for the insurance including personal information, trip details, and insured people.
• Payment Method: Options for payment include cheque, and credit card.
• Important Notes to Applicant: A section detailing important information on disclosures, validity periods, exclusions.

Policy Summary (Other pages)

• Additional Products: Prudential offers a wide range of other insurance products, and the insurance company aims to cover a diverse range of needs.
• Comprehensive Coverage Descriptions: The various coverage options are listed and explained, along with exclusions.