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SME Solutions – Group Travel Insurance
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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.
Travel Pro provides 24/7 comprehensive travel protection for your employees.
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.
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.
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:
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.
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).
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.
With only as few as 5 full-time employees, you can secure travel protection for yourself and your employees.
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.
Number of employees
Age of employees
The plan is for occupational classes 1-4 only | |
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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.
Under this plan, we will not cover conditions that result from any of the following events:
All benefits exclusions (except compassionate death benefit)
Additional medical benefits and emergency assistance services exclusions
Additional travel inconvenience benefits exclusions
Additional loss of baggage and personal effects benefits exclusions
Additional purchase protection exclusions
Additional personal liability benefit exclusions
Additional home protection exclusions
Additional compassionate death benefit exclusions
Additional personal accident benefit exclusions
The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.
We will give the policyholder a written notice of any revision before any policy anniversary or upon renewal.
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.
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.