^ Tap & Go is operated by HKT Payment Limited (Stored Value Facilities Licence Number: SVF0002). Terms & Conditions apply.





Tap & Go^ Payment $15/Day
Disclaimer:
The features of the Travel Insurance product and Package listed above are indicative only. For the full terms and conditions, benefits of the policy, key product risk and major exclusions of the policy, please refer to policy provisions and relevant terms & conditions (“Policy Documents”), which shall prevail in case of inconsistency. You should not purchase the insurance products solely based on the above information. For details, please contact HKTIA Customer Service.
HKT Care and Club Care are the service brands operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA is an appointed licensed insurance agency of MSIG (Licensed Insurance Agency License No.: FA2474), and its role is limited to distributing and arranging insurance products of MSIG.
^Tap & Go is operated by HKT Payment Limited (Stored Value Facilities Licence Number: SVF0002), a stored value facility operator designated by the Government under the CVS and subject to its relevant terms and conditions. For any enquiries about Tap & Go, please visit www.tapngo.com.hk or call Tap & Go Service Hotline at 2888 0000.
- For personal liability, any liability/ compensation amount arising from a contractual agreement without the prior consent of MSIG is not covered.
- Any liability arising from the loss of or damage to property which belongs to or in custody or control of You or your family members is not covered
- Professional or organised dangerous sports or activities
- Trekking or hiking at an altitude of over 5,000 meters above sea-level, scuba diving to a depth greater than 30 meters below sea-level
- Manual work undertaken during business trips
- Suicide, intentional self-inflicted injury, insanity
- Mental or nervous disorders, sleep disorder, psychiatric disorder
- Alcoholic and drug addiction or solvent abuse
- HIV (Human Immunodeficiency Virus) and AIDS (Acquired Immune Deficiency Syndrome)
- Flying activities other than as a fare-paying passenger on a regular or schedule airline or licensed chartered aircraft
- Air flight crew
- Unlawful acts
- War and terrorism (Except for Terrorism Extended Cover)
- Nuclear weapons and radiations
- Loss of or damage to any pager, mobile phone, tablet computer, portable telecommunication equipment, aerial device (i.e. aerial photography equipment) or any of its accessories including sim card or digital storage card and the like
- Loss of Baggage
- Personal Money, Documents and Additional Accommodation Expenses
First HK$200 of each and every claim
- The insurance plan is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”). This website at www.hktia.com.hk is operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA is registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2427) and acts as an appointed licensed insurance agency for MSIG to distribute and arrange a wide range of insurance products and services. HKT Care and Club Care are the service brands operated by HKTIA.
- The product information is provided by MSIG. The product information gives only an outline of the terms and conditions of the insurance cover and does not contain full terms and exclusions of the insurance policy. Any information given herein is subject to the precise terms and conditions and the full terms and conditions can be found in the respective policy documents (including the policy provisions and the exclusions) which shall prevail in case of inconsistency.
- Please read the related policy provisions, Personal Information Collection Statement of MSIG and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact HKTIA Customer Service Hotline at 82090098.
- The premiums of the insurance product will be payable to MSIG, (or through HKTIA on behalf of MSIG in respect of online applications made on HKTIA’s website), and HKTIA will receive commission from MSIG for acting as an appointed licensed insurance agency for MSIG.
- The insurance products referred to in this website are intended to be offered in Hong Kong only. The information on this website is not intended to be used by persons located in or resident outside of Hong Kong. The information on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell or provision of any insurance products by MSIG or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong.
- Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy.
- HKTIA's role is limited to the distribution and arrangement of the insurance products of MSIG only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance products.
- Insurance products are products and obligations of MSIG and not of HKTIA.
- Any dispute over the contractual terms of insurance products should be resolved directly between you and MSIG.
- All insurance applications are subject to MSIG’s underwriting and acceptance.
- MSIG is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
- HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
- You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
- In case of any inconsistency between the English and Chinese versions, the English version shall prevail.