Terms and Conditions
- HKT Care EasyShare 30-day Travel Insurance Package (the “Package”) is only applicable to CSL and 1O1O individual customer (the “Customer”) aged 18 years or above and holds a valid Hong Kong identity card (the “Contract”). The Customer can use the Package to redeem the 30-day travel insurance (the “Service”) during the Contract Period.
- The contract period of the Service is 24 months starting from the Service Effective Date (the “Contract Period”) in this Customer Information Form (the “Form”). The Service cannot be cancelled before the Contract End Date.
- The Service will automatically terminate when the Contract Period expires. In the event of early termination of the Contract, CSL Mobile Limited as the billing agent of HKT Financial Services (IA) Limited (“HKTIA”), reserves the right to collect the remaining fee of the Service for and on behalf of HKTIA. FWD General Insurance Company Limited (“FWDGI”), being the insurer of the Service, may deduct the unpaid premium from your insurance’s claim payout (if any). HKTIA will receive commissions from FWDGI for marketing FWDGI’s travel insurance under the Service.
- Each mobile phone number can apply for a maximum of two (2) packages of the Service at the same time.
- You must activate the Service and select a primary traveler in order to enjoy the Service through the designated online platform within 30 days from the Service Effective Date.
- The primary traveler cannot be changed during the Contract Period.
- The number of travel insurance days included in the Service can only be redeemed during the Contract Period. Each redemption must include the primary traveler in each trip when using the Service. Upon expiration of the Contract Period, the remaining balance of travel insurance days not being used will be forfeited and no compensation will be provided.
- Before travelling, you must register the trip and provide all traveler(s)’ information as stipulated in the designated online platform in order to enjoy the Service for that particular trip. You must indicate the first and last dates of the travel insurance coverage period, based on the local Hong Kong date and time. Your departure from Hong Kong should be on the first day of the travel insurance coverage period. No subsequent change of the travel insurance coverage period is allowed. If the remaining balance of travel insurance day is not enough to cover the whole trip, you may purchase an additional travel insurance coverage according to the premium provided at that time.
- The travel insurance provided under the Service is underwritten by FWDGI and is subject to its relevant terms and conditions. For details, please refer to the insurance policy issued by FWDGI. FWDGI reserves the final decision on the approval of the insurance application and claim.
- By signing the respective Form, you agree that HKTIA will act as your insurance agent to arrange for the Service and provide related after-sales service to you. For enquiries, please call HKT Care Customer Service Hotline at 8209-0098.
- In the event of any disputes, the decision of HKTIA and FWDGI shall be final and conclusive. HKTIA and FWDGI reserve the right to change these terms and conditions at any time without prior notice.
- In the event of any discrepancies between the Chinese and English versions of these terms and conditions, the English version shall prevail.
Coverage
Benefits
Maximum Limit (HK$)
Medical Expenses
a) Medical Expenses
The cost of qualified medical treatment, surgery and hospitalization arising from sickness or accidental injury.
$500,000
b) Follow-up Expenses
Medical, hospital and treatment expenses reasonably incurred within 90 days of the Insured Person's return to the place of origin from overseas up to HK$100,000 (including Chinese bone setting in Hong Kong up to HK$3,000 with a maximum daily limit per visit of HK$200)
Hospitalization or Quarantine Cash Allowance
a) Overseas Hospitalization
HK$500 for each complete day in hospital to meet Insured Person's extra expenses.
$5,000
b) Compulsory Quarantine
HK$500 for each complete day during the journey or 7 days upon return to Hong Kong.
Worldwide Emergency Assistance Service
a) Emergency Medical Evacuation and Repatriation
Send the Insured Person to the nearest facility capable of providing adequate medical care, and repatriate the Insured Person back to Hong Kong if the physician determines that it is necessary.
Fully Covered
b) Guarantee of Hospital Admission Deposits
For hospital admittance fees on behalf of the Insured Person.
$40,000
c) Additional Costs of Accommodation
For an Insured Person's family member or travelling companion when such costs arise from hospitalization or delay due to a serious medical condition of the Insured Person.
$15,000
d) Compassionate Visit and Hotel Accommodation
Up to 2 immediate family members, includes travelling cost to join the Insured Person who is confined in hospital for more than 3 days or dies abroad.
$15,000
e) Return of Minor Children
Reasonable additional accommodation and travelling expenses, such as a one-way economy airfare for the return of unattended Insured Person's children (aged below 18) to Hong Kong.
$15,000
f) Repatriation of Mortal Remains
Transportation charges for repatriation of the mortal remains to Hong Kong.
$15,000
g) Unexpected Return in the Event of the Death of a Close Relative
Return economy class airfare for unexpected return to Hong Kong following the death of a close relative.
$15,000
h) Other Assistance
Including telephone medical advice, emergency travel service assistance or legal referral etc.
included
Worldwide Emergency Assistance Service is arranged by International SOS (HK) Limited.
Personal Accident
Accidental death/permanent total disablement/total and permanent loss of sight in one or both eyes/loss by severance or permanent and total loss of use of one or more limbs. (Death benefit for children under 18 years old and for person over 70 years old shall not exceed HK$300,000.)
$500,000
Major Burns
Suffering of Third Degree Burns with burnt areas equal to or greater than 5% of head or 10% of total body surface area.
$100,000
Credit Card Protection
In the event of accidental death of the Insured Person during the journey, the outstanding balance of the Insured Person's credit card as at the date of accident will be covered.
$15,000
Baggage
Loss, physical breakage of damage directly resulting from accident, theft, burglary, or mishandling by carriers to the Insured Person’s baggage or personal property carry-on
$3,000
a) Sub-limit per item, pair or set
$3,000
b) Sub-limit for loss of mobile phone
$2,000
Baggage Delay
Emergency purchases of essential items of toiletries and clothing and the additional travelling cost to get back the baggage consequent upon temporary deprivation of baggage for at least 6 hours from the time of arrival at destination abroad due to delay or misdirection in delivery.
$500
Personal Money
Loss of cash, banknotes and travellers cheques arising from theft, burglary or robbery.
$2,000
Loss of Travel Document
Cost of obtaining replacement air tickets, travel document, travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss (Reimbursement is limited to HK$1,000 per day).
$5,000
Travel Delay
a) Cash Allowance
If the Insured Person need not to pay additional transportation expenses in the event of travel delay, resulting from adverse weather condition, natural disaster, closure of airport, industrial action, hi-jack, technical or other mechanical derangement, the Insured Person will be indemnified at HK$300 for each full 6-hour period delay.
$600
b) Additional Travel Cost For Re-routing
Public transportation expenses necessarily incurred to re-route the trip due to delay or cancellation of airline or other public transportation resulting from adverse weather condition, natural disaster, closure of airport, industrial action, hijack or mechanical derangement.
$2,500
(Select either a or b for compensation only.)
Cancellation Charge
Reimbursement of irrecoverable prepaid accommodation, tour costs and travel tickets due to cancellation of trip in the event of death, serious sickness or injury of the Insured Person, immediate family members, travel companion or close business partner of the Insured Person, witness summons, jury service, compulsory quarantine of the Insured Person, adverse weather conditions, natural disaster or unanticipated outbreak of epidemic diseases/industrial action, riot/civil commotion at the destination within 7 days before departure date, serious damage to the Insured Person’s principal home in Hong Kong arising from fire or flooding within 10 days from the departure date or Black Outbound Travel Alert for the destination is in effect 7 days before the departure date.
$5,000
Curtailment of Trip
Reimbursement of irrecoverable prepaid transport or accommodation charges and additional public transportation expenses incurred to return to Hong Kong due to curtailment of trip in the event of death, serious sickness or injury of the Insured Person, immediate family members, travel companion or close business partner of the Insured Person, natural disaster or unanticipated outbreak of epidemic diseases,industrial action, riot, civil commotion at the destination that prevents the Insured Person from continuing the journey or Black Outbound Alert for the destination is in effect during the journey.
$5,000
Loss of Home Contents
The loss of or damage to the contents or personal effects of the Insured Person's principal home as a result of burglary with forcible and violent entry to or exit from the premise whilst the home is unoccupied during the period of travel.
$10,000
Personal Liability
Indemnity against legal liability to third party as a result of accidental injury, loss or damage to third party's property during the Period of Insurance. (This benefit does not apply to liability arising from the use or hire of motor vehicle.)
$1,500,000
Rental Vehicle Excess
If the Insured Person hires a rental vehicle during the journey and is involved in a car accident, or the vehicle is damaged or stolen, the claims excess in the motor insurance policy purchased by the Insured Person will be reimbursed.
$3,000
Golfer "Hole-in-One"
If the Insured Person achieve a "hole-in-one" at any recognized golf course.
$1,000
Remark: The above gives only an outline of the insurance cover. Please refer to the insurance policy for the precise terms and conditions.
HKT Financial Services (IA) Limited (“HKTIA”) is a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability), offers a wide range of life insurance and general insurance products under the brand of HKT Care. HKTIA is a licensed insurance agency in Hong Kong and regulated by the Insurance Authority of Hong Kong (Licensed insurance Agency License No. FA2474). HKTIA is an authorized insurance distributor of FWD General Insurance Company Limited.