Get coverage for medical needs, travel inconveniences and losses before your next trip.
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Medical Expenses
Covers medical expenses when suffering from bodily injury or sickness.
Personal Accident
Covers accidental death and permanent disablement.
Personal Liability
Pay for your legal liability towards others’ accidental bodily injury or property damage together with associated legal costs and expenses.
Personal Baggage
Pays for the accidental loss of or damage to personal possessions including luggage during the insured journey.
Emergency Evacuation
Covers the actual cost of transportation, medical services and medical supplies necessarily and unavoidably incurred as a result of an emergency medical evacuation.
Amateur Sports and Activities
Inclusive cover from both AXA SmartTraveller and Zurich FlyAway Travel Insurance Plan.
Cancellation or Curtailment
Pays for the loss of unused travel fares and/or accommodation expenses which have been paid in advance, due to unforeseeable or unavoidable events.
Rental Vehicle Excess Coverage
Pays for any motor insurance policy excess - Inclusive cover for AXA SmartTraveller | Additional cover for Zurich FlyAway Travel Insurance Plan.
Mobile Coverage
Covers damage of mobile phones - Inclusive cover for AXA SmartTraveller | Additional cover for Zurich FlyAway Travel Insurance Plan.
| Phrase | Definition |
|---|---|
| Annual Dividend | a yearly payout made to the policyholder, usually on the policy’s anniversary |
| Accidental Daily Hospital Cash | provides a daily payment during hospital stays to cover loss of income or to pay for additional medical expenses |
| Cash Value | the amount of cash you will get back if you cancel a policy early. Also called surrender value or cash surrender value |
| Curtailment of Trip | cutting a trip short |
| Designated Beneficiary | the person you choose to inherit your policy payout |
| Death Benefit | the amount that is paid out to a beneficiary when the policyholder passes away. It could be a yearly amount or a lump-sum payment |
| Dividend | the income paid out to you from the savings part of your life insurance policy. This can be guaranteed or non-guaranteed |
| Dividend Accumulation | an option that allows dividends to build up and earn interest rather than be paid out to the policyholder |
| Face Value/Amount | the amount of money you wish to be covered for. This is also called the 'sum insured’ or 'sum assured' |
| Income | this is paid out to you from the life insurance part of your policy. The payouts are normally set out in advance |
| Income Payment Mode | you can choose the way you get paid your annual income. The choices are level mode (the same amount each year) or increasing mode (payouts increase each year) |
| In Force | the total amount of life insurance issued and outstanding. This amount includes dividends paid |
| Maturity benefit/dividend | the cash you get back at the end of the policy term |
| Premiums | the fee you pay an insurance company for your policy which goes towards your dividend/income payouts |
| Reserve Fund | the cash left in your policy after any payout has been paid |
| Suicide Clause | some life insurance policies will hold back on a claim if the policyholder commits suicide. Other policies may return only the premiums paid in |
| Surrender Value | When you cancel your insurance policy early, you will be paid a set amount only. See also Cash Value |
HKID holders from thirty (30) days up to the age of 85 before the inception of the journey who are travelling on a journey that originates from the Hong Kong SAR can insure under SmartTraveller.
SmartTraveller is specially designed for individuals who are travelling on a journey for leisure or business purpose. The journey should originate from the Hong Kong SAR and the period of travel is no longer than 184 days.
For Insured Persons not returning to Hong Kong, cover terminates no later than 7 days from scheduled time of arrival at the country of final destination or expiry of the original declared period of insurance, whichever is the earlier.
Yes. Please call (852) 2867 8638 (during office hours) for enquiry on arrangements or email axa.direct.gi@axa.com.hk before the covered period ends. Please provide the following information for the extension of cover period:
There is no excess for the whole policy.
You will be protected against the issuance of the Outbound Travel Alert (OTA)# in the following ways:
Before the trip:
During the trip:
#Outbound Travel Alert refers to travel alert issued by the Security Bureau of the Government of Hong Kong SAR for the planned destination.
Once the application is completed, the policy document will be sent immediately to your email address as provided. Should you have any queries about your policy, you can call (852) 2867 8638.
No age restriction is imposed on travelers in Single Trip Travel Plan while the travelers must be aged 70 or below in Annual Travel Plan. However, please note that only Ordinary Plan can be chosen for any traveler who is (a) aged 17 or below and not travelling with his/her parent or (b) aged 76 or above upon the commencement of the insured journey.
As soon as you have confirmed your travel route and destination, you should consider purchasing travel insurance. If the trip is cancelled due to the reasons stated in the policy terms and conditions, you will still get covered in accordance to the policy terms and conditions.
The Cancellation of Trip benefit for unexpected specified events will commence either after you purchased the travel insurance or within one week before trip commencement. However, any existing or known event/conditions before your successful application will not be covered in respect of the Cancellation of Trip or Travel Delay benefits. Personal Accident cover starts 3 hours before scheduled departure time. All other benefits will commence when you depart from the Hong Kong immigration office/counter.
This depends on whether you have purchased a single travel or annual travel plan. FlyAway single trip travel plan insures you for up to 180 days, whereas an annual plan has no limits on the number of trips taken within the insured period and insures you for a maximum of 90 days on each trip. You may choose either single travel or annual travel plan depending on your travel needs.
FlyAway will cover you for any paid and non-recoverable expenses, including air ticket and accommodation fees, if you have to cancel your trip due to an unforeseeable riot break out at your trip destination within one week before the planned departure date.
FlyAway covers all amateur sports activities and even some high risk amateur sports on your trip, including winter sports, hot air balloon, scuba diving, water-skiing, rafting, sailing, parachuting accompanied by professionals, rock climbing, bungee-jumping, and horse riding. You might also purchase our 'Sports Activities Rider' to enjoy a higher limit of protection on personal accident cover.
However, motor racing, self-navigated aerial activities, professional sports, sports engagements which may result in an earned income or remuneration, and any trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level are not covered.
Digital gadgets such as your personal laptop computer, tablet, digital camera, digital camcorder and related accessories or equipment are covered under Personal Baggage Cover within sub-limits, but excluding mobile phone.
However, you might wish to purchase the optional benefit of 'Damage of Mobile Phone' in order to get your mobile phone covered for accidental damage to your mobile phone.
Once you purchased FlyAway, you are covered for the trip cancellation benefits if you suffer from a sudden serious illness or injury requiring hospitalization excluding ‘pre-existing condition'. Your doctor must certify that you are no longer fit to travel, within 90 days before the start date of your trip.
You should call Zurich 24-hour Emergency Assistance at +852-2886 3977 immediately. Experienced assistance coordinators will be able to offer you immediate assistance. Do remember to obtain all the relevant documents such as medical certificate and receipt in case of medical claim.
Sure. Just give Zurich a call at +852 2903 9400 before the policy expires. They will help you extend the insurance period of your FlyAway single trip travel plan up to a maximum of 180 days.
If you are stuck at an airport due to bad weather or otherwise detained at your destination due to circumstances beyond your control, Zurich may even automatically add a maximum up to ten days to your single travel coverage free of charge.
If you or your travel companion have contracted COVID-19 within 7 days before the departure date, we will cover your loss of unused travel fare and/or accommodation expenses in case of trip cancellation.
If you contracted COVID-19 during the insured journey, we cover:
We also cover after you returned to Hong Kong for:
In addition,
We do not cover any loss resulting directly or indirectly from COVID-19 which is diagnosed within 7 days after the enrollment date of the policy (for single trip) / enrollment date of the policy or the date of receipt issued by the travel agent or public common carrier for the payment confirmation of travel ticket or tour, whichever is later (for annual travel).
You must fulfil the entry rules and conditions including vaccination requirement both in Hong Kong and your planned travel destination(s), otherwise, no coverage of the policy shall be provided, and no benefits shall be paid under this policy.
Please notify Zurich within thirty (30) days of any occurrence which may give rise to a claim:
For claim on medical benefits:
For claim on trip cancellation:
For claim on trip curtailment:
AXA General Insurance Hong Kong Limited
Zurich Insurance Company Ltd
AXA General Insurance Hong Kong Limited
*The above is only part of the policy exclusions. Please refer to the policy jacket for the full list of exclusions that apply to each section and the entire policy.
Zurich Insurance Company Ltd
Zurich FlyAway Travel Insurance Plan
AXA SmartTraveller
From January 1, 2018, the Insurance Authority (IA) will start collecting a premium levy from policy holders of all new or in-force life insurance policies and general insurance policies. For further information, please visit www.ia.org.hk.
Many life insurance policies have a savings element which let you build up a nest egg to use for a variety of life goals.
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