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  • TRAVEL PRO

    SME Solutions – Group Travel Insurance

    Period

    Annual

    Employee issue age

    18 - 69 Years

    You can buy this from

    YOUR FINANCIAL PLANNER


    WHAT THIS PRODUCT IS ABOUT

    Unexpected events may happen during trips such as sickness, accidents, loss of travel documents or personal effects, trip curtailment or cancellation due to an accident and so on. Travel Pro provides 24-hour travel protection, allowing your employees to travel with complete peace of mind.

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    PEACE OF MIND CORPORATE JOURNEY BEGINS FROM AIA

    PEACE OF MIND FOR YOUR BUSINESS TRAVEL

    Travel Pro provides 24/7 comprehensive travel protection for your employees.

    what does it provide?

    • Personal accident and medical protection
      Personal accident and medical protection

      If your employee suffers any of the covered injuries as a result of an accident during an insured journey, we will provide personal accident benefits with sum assured up to a maximum of HK$1 million. If your employee is ill or injured during an insured journey, we will also cover the expenses of medical treatment during the journey and after return to Hong Kong as well as daily cash benefit during hospitalisation.

    • Comprehensive travel protection
      Comprehensive travel protection

      The plan helps your employees to cope with an accident during the journey, including trip curtailment or cancellation due to an accident, loss of travel documents or personal money, plus theft or damage to laptop computers.

    • Worldwide emergency assistance service and China Assist Card
      Worldwide emergency assistance service and China Assist Card

      If your employee becomes seriously ill or is involved in a serious accident during an insured journey, we provide 24-hour worldwide emergency assistance services, including:

      • Emergency medical evacuation: we will arrange transport for the injured insured member to the nearest location with appropriate care and facilities available for treatment.
      • Repatriation of remains: if the insured member unfortunately passes away, we will arrange the return of remains back to Hong Kong.

      For medically necessary hospitalisation in mainland China (excluding Hong Kong and Macau), simply present the China Assist Card at any of our selected hospitals. The insured member will receive a guarantee of hospital admission deposit, so they can receive medical treatment without delay.

    • Travel vaccine
      Travel vaccine

      We cover the cost of vaccines for 15 common diseases, giving your employees peace of mind before, during and after their trips (applicable to Worldwide and Asia Region plans only).

    • Staff replacement benefit
      Staff replacement benefit

      In case your employee unfortunately passes away, or is hospitalised due to serious injury or serious sickness during an insured journey and another employee has to be sent to take over the job, we will pay the reasonable travel and accommodation expenses.

    • Simple and easy application
      Simple and easy application

      With only as few as 5 full-time employees, you can secure travel protection for yourself and your employees.

    insurance lingo explained

    Emergency Medical Evacuation

    Transportation of the member to an appropriate location for the medically necessary treatment in case of serious sickness or injury while traveling overseas.


    Repatriation

    Transportation of mortal remains of the member to his place of residence/origin in case of his death while travelling overseas.


    Staff Replacement Benefit

    The sum of money paid to the employer to cover the cost of a temporary replacement if one of their staff has to stop working due to illness or injury.


    Like what you've read? This is just a summary of our product. If you want more information, please contact your financial planner for a financial needs analysis.

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    IMPORTANT INFORMATION

    IMPORTANT INFORMATION
    - Collapse + Expand
     
    1. All information here is for reference only. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover.

    2. We would like to remind you to review the relevant product materials and proposal illustrations (if applicable) provided to you and seek independent professional advice if necessary.

    3. This plan is an insurance plan without any savings element. All premiums are paid for the insurance and related costs.
       
    ELIGIBILITY

    Number of employees

    • The company must have a minimum of 5 full-time employees who are Hong Kong residents and expatriates stationed in Hong Kong with HKID Cards

    Age of employees

    • Full-time employees: age 69 or below

    Insured occupational classification
    The plan is for occupational classes 1-4 only
    Class 1 Office-type occupations with no real hazards involved, e.g. lawyers, office executives
    Class 2 Occupations involving minor risks like outdoor work, e.g. electronic engineers, outdoor salesmen, buyers
    Class 3 Skilled or semi-skilled occupations including those using light machinery, e.g. hardware maintenance technicians, textile and clothing sample makers, electronic assemblers
    Class 4 Industrial type occupations involving heavy machinery or unskilled jobs, e.g. foremen (bakelite, plastic), machine operators

    The plan does not include cover for the occupation which is not classified in any of the above classes.


    Key Product Risks
    1. You need to pay the premium for this plan upon renewal every year.
    2. The decision of issuing policies is based on the occupation of the insured member. Please notify us of any change of occupation after the policy is effective.
    3. The insured member will lose the cover when one of the following happens:
      • the insured member passes away;
      • the insured member terminates employment or retires;
      • the insured member suffers accidental death, disablement or permanent total disability in an accident;
      • The occupation of the insured member changes to the occupation which is not included in the insured occupational classes. For the latest list of the insured occupational classes, please refer to the section of “Insured occupational classification”; or
      • the insured member relocates out of Hong Kong.
    4. We will terminate your policy and all the insured members will lose their cover when one of the following happens:
      • you do not pay the premium within 31 days of the premium due date;
      • the number of insured full-time employees falls below 5; or
      • the company provides incorrect information or is unable to disclose important information regarding the insured members.
    5. We reserve the right to terminate your policy and all the insured members will lose their cover when the company transfers to operate out of Hong Kong.
    6. Cover renewal is based on the continuing availability of the plan to all existing policies.
    7. We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, the insured members may lose their cover and you may lose the remaining premium and levy for that policy year.
    8. Your current planned benefit may not be sufficient to meet the future needs of the insured members since the future cost of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, the insured members may receive less in real terms even if we meet all of our contractual obligations.

    General Exclusions

    Under this plan, we will not cover conditions that result from any of the following events:

    All benefits exclusions (except compassionate death benefit)

    • Loss sustained in Hong Kong, except for personal accident, continuation of medical attention within 90 days after returning to Hong Kong, journey cancellation and compassionate death benefit.
    • Any illegal or unlawful act by the insured member or confiscation, detention, destruction by customs or other authorities.
    • Losses due to government prohibition or regulations.
    • Riding or driving in any kind of race; participation in professional sports.
    • Acting as the flight crew or an operator of any air carrier; servicing, operating or testing of any kind of conveyance; manual worker; working on merchant vessels; engaging in offshore activities like commercial diving, oil riggings, mining or aerial photography; handling of explosives; hitchhiking.
    • War or service in armed forces; illegal acts; detention by authorities; strike or industrial actions; terrorist activities.
    • Travelling against the medical advice of a doctor.

     

    Additional medical benefits and emergency assistance services exclusions

    • emergency medical evacuation and repatriation of remains from Macau.
    • Any pre-existing conditions before the insured member’s effective date of cover or policy effective date; any congenital or hereditary conditions.
    • Any treatment not provided by a qualified doctor in western medicine.
    • Medical treatment received during an insured journey which was made for the purpose of receiving such treatment.
    • Pregnancy or childbirth.

     

    Additional travel inconvenience benefits exclusions

    • Pre-existing condition.
    • Late arrival at the airport or port.
    • No written confirmation from the public common carriers or handling agents concerning the duration or reasons of delay.

     

    Additional loss of baggage and personal effects benefits exclusions

    • Losses not reported to the police within 48 hours.
    • Loss or damage of baggage, personal belongings, travel documents or personal money outside of a hotel or public common carrier except for theft.
    • Normal wear and tear; jewellery and antiques; breakage or damage to fragile article; loss or damage to foodstuffs, documents, business goods, data on tapes, cards or diskettes.

     

    Additional purchase protection exclusions

    • Automobiles, boats and airplanes.
    • Permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tile, air conditioners, refrigerators, or heaters.
    • Traveler’s cheques, cash, tickets of any kind, precious coins or stamps, plants, animals, consumables.
    • Art, antiques and collectable items.
    • Furs, jewellery, gems, precious stones and/or precious metal.
    • Items for resale, professional, or commercial use.
    • Items the insured member has rented or leased.

     

    Additional personal liability benefit exclusions

    • Employer liability, contractual liability or liability to an insured member’s family.
    • Liability arising out of the use of vehicles, aircraft, or water craft.

     

    Additional home protection exclusions

    • Losses that occurred after 90 days from the date of commencement of an insured journey.

     

    Additional compassionate death benefit exclusions

    • Suicide, attempted suicide or self-inflicted injury while sane or insane.
    • AIDS, HIV (Human Immunodeficiency Virus) Infections and AIDS related infections.
    • Pre-existing condition.

     

    Additional personal accident benefit exclusions

    • Suicide, attempted suicide or self-inflicted injury while sane or insane.
    • War, revolution or terrorist activities reasonably known before the date of commencement of an insured journey.
    • Alcoholism or the use of drugs (except drugs are taken in accordance with treatment prescribed by a registered medical practitioner during an insured journey, but not for the treatment of drug addiction).

     

    The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.


    Premium Adjustment and Product Features Revision
    1. Premium Adjustment
      In order to provide you with continuous protection, we will annually review and adjust the premium of your plan accordingly at the end of policy year if necessary. During the review, we may consider factors including but not limited to the following:
      • claim costs incurred from all policies under this plan and the expected claim outgo in the coming year which reflects the impact of the possibility of accidental deaths and disablements / permanent total disabilities, medical trends and medical cost inflation (where applicable);
      • expenses directly related to the policy and indirect expenses allocated to this product.

    2. Product Features Revision
      We reserve the right to revise the benefit structure, terms and conditions and/or product features, so as to keep pace with the times for medical advancement and to provide you with continuous protection.

     

    We will give the policyholder a written notice of any revision before any policy anniversary or upon renewal.


    Product Limitations
    1. Each insured journey must start from Hong Kong and the maximum period of cover for each journey is 90 consecutive days.
    2. Concerning the personal accident benefits, 25% of the policy’s total sum assured is the maximum indemnity payable for loss in respect of all insured members arising from any one accident.
    3. Accidental death & disablement benefit and permanent total disability benefit
      • These benefits are only applicable for loss resulting from an insured journey within 180 days after an accident. The loss must be listed in the benefit schedule for the accidental death & disablement benefit or defined as a permanent total disability.
      • In the event that a series of losses shall arise out of the same accident, benefit shall only be paid for one of the losses, for which the amount of benefit payable shall be the greatest amount of benefit as shown in the benefit schedule for the accidental death & disablement benefit.
    4. We only cover the charges of the insured member on usual, reasonable and customary basis.
      “Usual, reasonable and customary” means:
      • the medical services, diagnosis and / or treatments are medically necessary and delivered according to standards of good medical practice;
      • the costs of the medical services and the duration of the hospital stay are not more expensive or longer than the usual level of charges or duration for similar treatment in the locality of such services delivered; and
      • does not include charges that would not have been made if no insurance existed.
      “Medically necessary expenses” means that the expenses incurred from medical services and supplies are::
      • a result of bodily injury or sudden and unexpected sickness; and
      • prescribed by a registered doctor.

      Experimental, screening, and preventive services or supplies are not considered medically necessary. We may adjust any and all benefits payable in relation to any hospital / medical charges which is not a usual, reasonable and customary charge.

    Claim Procedure

    If any of the insured members wishes to make a claim, he/she must send us the appropriate form and relevant proof within 30 days of the covered event happening. The appropriate claim form can be downloaded from our website: aia.com.hk or obtained from the financial planner.


    Cancellation Right

    You have the right to cancel the policy by giving no less than 30 days’ prior written notice to us, however this will result in the insured member losing his cover and you losing the remaining premium and levy for that policy year. We also reserve the right to cancel the policy upon the policy renewal by giving you no less than 30 days’ prior written notice.


    OTHER RELATED PRODUCTS

    FLEXI CHOICE GROUP INSURANCE PLAN

    SME Solutions – Group Medical Insurance

    Covers a range of benefit levels for hospitalisation and surgical protection, plus comprehensive optional benefits that you can add to your package.

    vitality

    PROMISE

    SME Solutions – Group Critical Illness Insurance

    We pay a lump sum to the employee on diagnosis of any of the 56 covered critical illness, plus 10% of the covered amount to the employer.

    PROTECT

    SME Solutions – Group Medical & Life Insurance

    Comprehensive protection for life, accident, hospitalisation, and outpatient benefits, as well as Worldwide Emergency Assistance Services.

    GPA CHOICE PLUS

    SME Solutions – Group Personal Accident Insurance

    Comprehensive protection for medical expenses, disability and death caused by an accident, for a daily premium from only HK$1.10.

    CEO PRO

    SME Solutions – Group Medical & Life Insurance

    Lifelong global medical protection up to HK$40 million, with full reimbursement of actual expenses.

    PowerEasy

    SME Solutions – Group Medical Insurance

    A group network medical plan offers hospitalisation and surgical protection as well as optional outpatient and dental benefits.

    Contact aia

    We are pleased to announce that effective 22 February 2021, our customer service in Hong Kong will resume normal. However, please take note of the following special service hours for Macau.

    Macau

    • Customer Service Centres & Hotline Service:
      • 10am - 4pm (Monday - Friday)

    Hong Kong

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri: 8:45am – 6pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Macau

    (853) 8988-1822

    1903, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau

    Mon-Fri: 8:45am – 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Contact aia

    We are pleased to announce that effective 22 February 2021, our customer service in Hong Kong will resume normal. However, please take note of the following special service hours for Macau.

    Macau

    • Customer Service Centres & Hotline Service:
      • 10am - 4pm (Monday - Friday)

    Hong Kong

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri: 8:45am – 6pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Macau

    (853) 8988-1822

    1903, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau
     
    Mon-Fri: 8:45am – 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

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