Business TravelCare

Product highlights

A comprehensive 24-hour travel protection in most Asian countries and worldwide from as little as HKD3 per day per person.

Features and benefits

Comprehensive 24-hour travel protection in most Asian countries (including mainland China) and worldwide

For all sizes of business (max insured persons being 10), including sole-proprietorships

Optional China Medical Card

From as little as HKD3 per day per person

Covers delayed flights, theft, medical expenses, accidental travel injuries, illness and public liabilities

Provides double benefits in the event of permanent disability or death resulting from a traffic accident in a common carrier or private car

Instant approval plus two months FREE coverage when you apply via Business Internet Banking

Reimbursement for lost business documents and cash

Reimbursement for loss arising from issuance of Black Travel Alert

Coverage and benefits

China Medical Card

If you and your employees travel to China frequently for business, the China Medical Card will enable you to receive in-patient medical treatment at more than 100 designated hospitals in mainland China without having to pay an admission deposit in advance. The annual premium is only HKD300 per card.

Policy benefits

Policy benefits Limit per insured person (HKD)
Personal accident
- Accidental death
- Loss of two eyes, two limbs or one eye and one limb
- Loss of one eye or one limb
- Death or permanent total disability caused by an accident in a common carrier or private car
- Permanent total disability caused by other accidents


Medical and other expenses
- Compassionate visits
- Repatriation of remains
- Funeral expenses
Emergency medical evacuation expenses 600,000
Hospital benefits 600,000
(200 per day, max 30 days)
Baggage and personal effects+
(including golf equipment, cameras and video recorders)
(max 3,000 per item, pair or set)
Travel expenses incurred in replacing an insured person in the event of serious sickness or accident 10,000
Loss of business documents* 5,000
Loss of travel documents* 5,000
Storage of personal effects* 5,000
Golf ‘hole in one’ cover 2,000 per event
4,000 per year
Credit card protection 5,000
Delayed baggage (at least 6 hours) 2,000
Personal money* 3,000
Personal liability* 2,000,000
Travel delay 2,500
(250 for the first 6 hours and each subsequent 12 hours)
Loss of deposit or cancellation* 50.000
Curtailment* (including cash allowance for travel alert) 50,000
China Hospital admission deposit (with a China Medical Card) Full guarantee

* These items are subject to a HKD200 excess per claim (The excess is not applicable to cash allowance provided for Travel Alert).

+ Baggage and personal effects are subject to an excess of HKD300 per claim except for PDAs, MP3s, notebooks, slimnotes, pocket PCs, portable DVDs, mobile phones, laptops, etc. which are subject to an excess of HKD300 or 25 per cent of the loss, whichever is greater.

Competitive premiums for you and your employees

Number of people Area 1
Annual premium per person (HKD)
Area 2
Annual premium per person (HKD)
1 - 2 972.00 1,536.00
3 - 4 923.40 1,459.20
5 - 7 874.80 1,382.40
8 or more 826.20 1,305.60
Additional premium for China Medical Card (optional) 300

Area 1
Brunei, Cambodia, Mainland China, Guam, Indonesia, Japan, Korea, Macau, Malaysia, Myanmar (Burma), Philippines, Saipan, Singapore, Taiwan, Thailand, Tinian and Vietnam

Area 2

Policy exclusions

All insurance policies contain exclusions. Here is a summary of the main exclusions. For a complete list, please refer to the policy documents.

  • War, terrorism and related perils
  • Suicide, self-inflicted injury, pregnancy, childbirth, insanity, alcoholism, VD, AIDS, drug-taking
  • Engaging in:
    1. Professional sports or racing other than on foot
    2. Deep-water diving deeper than 40 meters
    3. Motor rallies
    4. Sports or activities in return for remuneration
    5. Aviation other than as a fare-paying passenger
  • Illegal acts
  • Property more specifically insured
  • Working in those occupations as excluded under the policy

The information provided here is subject to the actual policy wording and that customers should refer to the relevant insurance policy for its terms and conditions. Please click here for full policy schedule.

The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR.

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