Claim Submission Method

Please submit the following documents within 30 days after return to Hong Kong:

1. A duly completed claim with correct information and a detailed description of the illness or accidental injury.
2. All original relevant documents, including medical bill(s) and report(s), travel proof (such as e-tickets for departure and return to Hong Kong, immigration records, etc.).

Please retain all medical documents that can prove the nature of the illness or injury (such as medical bill(s), receipt(s), medical certificate(s) or medical report(s)) for submission together with the claim to ensure smooth assessment.

If the employee gets injured during the course of employment

1. Seek medical treatment at a nearby hospital or clinic immediately after the accident and obtain sick leave certificate from a registered medical practitioner.
2. Complete and submit a prescribed Form 2 in duplicate to the Labour Department within 14 days of the accident. A copy of the Form 2 should be sent to us simultaneously as a notice of claim.
3. Upon expiry of sick leave, the employee should approach the Labour Department to arrange for sick leave clearance and, where necessary, for medical assessment as to the degree of permanent incapacity sustained.
4. If the sick leave is less than 7 days and no permanent incapacity is caused by the injury, the employer may directly agree settlement with the employee in writing as to the compensation payable without the need for the employee to attend sick leave clearance or medical assessment.

Please follow all requisite procedures prescribed by the Labour Department within the stipulated time frame and submit the following documents to us once available.

1. Original sick leave certificate(s).
2. Original medical receipt(s).
3. If the sick leave is less than 7 days and no permanent incapacity is caused by the injury, please submit the original settlement agreement signed by both the employer and employee.
4. If the injury results in permanent incapacity, please submit the Original Certificate of Assessment (Form 7) issued by the Labour Department.
5. Original Certificate of Compensation Assessment (Form 5) issued by the Labour Department.

1. Please access Employees' Compensation Section in the Labour Department's website for more details. 
2. For any case involving fatal injury, the employer should contact our Claims Department immediately for the claims procedures.
3. The employer should keep a copy of all submitted documents for future reference.

eClaim Procedure: Please submit the information and upload documents in eClaim within 30 days after the date of clinical consultation that gives rise to the claim.

Claim Form Procedure: Please submit the following documents within 30 days after the date of clinical consultation that gives rise to the claim.

1. Original clinical bill.
2. A copy of the insurance certificate or a duly completed claim form with detailed description as to the circumstances of the occurrence (must be signed by both the Insured and Insured Employee).

eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days of the occurrence that gives rise to the claim

Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that gives rise to the claim

1. A duly completed claim form with detailed description as to the illness or injury sustained.
2. All original certification, e.g. medical bill(s) & report(s), documentary proof of travel (e.g. boarding pass, entrance and departure record of travel documents, etc), Working Holiday Visa or the relevant documentation, etc.

Retain all original medical bill(s), receipt(s) and medical certificate(s) or report(s), if any, showing the diagnosis of sickness or nature of injury.

eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days after the date of discharge that gives rise to the claim.

Claim Form Procedure: Please submit the following documents within 30 days after the date of discharge that gives rise to the claim.

Treatment in Private Hospital

1. Original itemized invoices and receipts.
2. Copy of all diagnostic/tests reports.
3. A duly completed claim form with detailed description as to circumstances of the occurrence (Part 2 of the claim form needs to be completed by the attending doctor).

Treatment in Public Hospital

1. Original hospital bill and receipt(s).
2. Discharge Slip or Discharge Summary (Ask the attending doctor before discharge from hospital).
3. A duly completed claim form with detailed description as to circumstance of the occurrence (If the Discharge Slip or Discharge Summary is provided, the attending doctor doesn't need to fill in the Part 2 of the claim form).

eClaim Procedure: Please provide the information and upload documents via eClaim within 14 days of the occurrence that gives rise to the claim.

Claim Form Procedure: Please submit the following documents within 14 days of the occurrence that gives rise to the claim.

1. A duly completed claim form (Part 1 only) with detailed description as to the circumstances of the occurrence.
2. All original medical bill/receipt(s).
3. For physiotherapy/chiropractic treatment
   a. Part 2B of claim form completed by the attending doctor
   b. Referral letter from the attending doctor 
   For specialist treatment 
   a. Part 2B of claim form completed by the specialist 
   b. Referral letter from the attending doctor 
   For dental treatment 
   a. Part 2C of claim form completed by the dentist 
   For diagnostic examination(s) and test(s), e.g. X-ray, MRI, etc. 
   a. Copies of all examination/medical report(s) 
   b. Referral letter from the attending doctor 
   For Treatment in Private Hospital 
   a. Part 2A of claim form completed by the attending doctor 
   b. Copies of all examination/medical report(s) 
   For Treatment in Public Hospital 
   a. Discharge Slip or Discharge Summary (you are required to request for it from the attending doctor before discharge from hospital).

1. In the event of permanent disablement caused by accidental injury, you should produce at your expenses a medical report from a registered medical practitioner with an assessment on the extent of permanent disability according to the percentage scale laid down in Section 1 of the policy.
2. In the event of serious injury being sustained by an insured person, you or your family member should contact our Claims Department as soon as possible for our immediate attention and investigation if necessary.

eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days of the occurrence that gives rise to the claim

Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that giving rise to the claim

1. A duly completed claim form with detailed description as to the circumstances of the occurrence and the damaged property (e.g. brand, model, age, value), etc.
2. Original building management incident report, photos, repair quotation and purchase invoices of the damaged property, etc.

1. For any case involving serious damage, please contact our Claims Department as soon as possible for assistance and arrangement of site inspection where necessary.
2. Report any signs of water leakage to the building management and, where necessary, call a plumber for immediate investigation.
3. Retain the damaged property. If possible, please take photographs of the damaged property for submission together with the claim to us.
4. Please do not process the repair without our prior consent after obtaining the repair quotation. Unless as an emergency repair work to avoid danger or further damages. Any queries, please call our Claims Hotline at 2230 9961.

Please submit the following documents within 30 days of the occurrence that giving rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence and the damaged property.
2. Original policy report, building management incident report, photographs and repair quotation of the damaged property, etc.

1. Retain the damaged articles. If possible, please take photographs of the damaged property for submission together with the claim to us.
2. For any case involving serious loss or damage, please contact our Claims Department as soon as possible for arrangement of site inspection where necessary.
3. Please do not process the repair without our prior consent after obtaining the repair quotation. Unless as an emergency repair work to avoid danger or further damages. Any queries, please call our Claims Hotline at 2230 9961.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence, including the cause and circumstances of the incident, and detailed information of the lost or damaged articles (such as brand, model, date of purchase, value), etc.
2. All original relevant documents, including police report, travel proof, photos of damaged articles, repair quotation, and purchase invoices of the lost or damaged articles, etc.

1. For any case involving accidental loss, theft, and robbery or like event, report the incident to the local police within 24 hours after its occurrence and obtain their written report or certificate showing full details and value of the lost articles.
2. Report the loss or damage to the airline or other carrier concerned immediately upon discovery and obtain a Property Irregularity Report in case of loss or damage occurring whilst in their custody, and submit it together with the claim.
3. Please retain the damaged articles and take photographs of the damaged articles for submission together with the claim to us.
4. Please do not proceed with the repair without our prior consent after obtaining the repair quotation. However, in an emergency (for example, to prevent danger or avoid further damages), this restriction does not apply and immediate action may be taken, but we must still be notified as soon as possible afterwards . Any queries, please call our Claims Hotline on (852) 2230 9961 during office hours.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence, including flight number, reason for delay, duration of delay, etc.
2. All relevant documents relating to the delayed journey, including travel proof, carriers’ certificates about the cause and duration of the delay, proof of unused transport / accommodation expenses resulted from re-routed journey, receipts of additional transport / accommodation expenses, receipts of pre-booked local excursion, and written confirmation showing that the cancelled pre-booked local excursion is non-refundable.

1. Retain relevant travel ticket, boarding pass and full itinerary of journey for verification.
2. Obtain a documentary proof from the airline or other carrier concerned about the cause and duration of the delay, and submit it together with the claim.
3. For losses arising from the same event, You may only claim under one of the following Sections: 8.1, 8.2, 8.3, 8.4, 8.5 or 8.6. No duplicate claims shall be made.

eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days of the occurrence that gives rise to the claim

Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that giving rise to the claim

1. A duly completed claim form with detailed description as to the circumstances of the occurrence and damaged property (e.g. brand, model, age, value), etc.
2. Original police report, photographs and invoice, etc.

1. Report the incident to the police immediately of discovery and obtain their written report showing full details of the lost or damaged articles.
2. Report the loss to the credit card issuing company within 24 hours of discovery.
3. For any case involving serious loss or damage, please contact our Claims Department as soon as possible for arrangement of site inspection where necessary.
4. Report the incident to the packers or removal contractors as soon as possible upon discovery.
5. Retain the damaged property. If possible, please take photographs of the damaged property for submission together with the claim to us.
6. Please do not process the repair without our prior consent after obtaining the repair quotation. Unless as an emergency repair work to avoid danger or further damages. Any queries, please call our Claims Hotline at 2230 9961.

eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days of the occurrence that gives rise to the claim.

Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the causes of the occurrence.
2. All correspondence, documents and photographs, if any, relating to the occurrence.

1. For any case involving serious loss or damage, please contact our Claims Department as soon as possible for arrangement of site inspection where necessary.
2. If possible, please take photographs of the damaged property for submission together with the claim to us.
3. Please do not make any promise, offer or admission of liability to third party without our prior consent. All correspondence or claims from third party and all legal process should be forwarded to us immediately upon receipt for our handling.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence, including flight number, duration of delay, etc.
2. All original relevant documents, including travel proof and carriers’ certificates, etc.

1. Report the non-delivery of baggage to the airline or other carriers concerned immediately upon discovery and obtain their Property Irregularity Report.
2. Obtain a documentary proof from the airline or other carrier concerned about the duration of the delay as basis for the claim.

eClaim Procedure: Please submit the information and upload documents in eClaim within 30 days after the date of clinical consultation that gives rise to the claim.

Claim Form Procedure: Please submit the following documents within 30 days after the date of consultation that gives rise to the claim.

1. Original dental bill.
2. A copy of the insurance certificate or a duly completed claim form with detailed description as to the circumstances of the occurrence (must be signed by both the Insured and Insured Employee).

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence, including the originally scheduled itinerary (such as group tour number, departure date, destination, etc.) and the specific reasons for cancelling the entire journey as listed in the itinerary, etc.
2. All original correspondences, e.g. booking receipts and other supporting documents.

1. Notify the travel agent, tour operator or provider of transport or accommodation immediately to cancel the travel arrangement if necessary.
2. Retain all original hotel, travel ticket or group tour booking receipts.
3. Obtain documentary proof about the occurrence that leads to the journey cancellation, e.g. medical certificate of unfitness for travel, jury service or witness summons, etc.
4. Obtain written confirmation from the travel agent as to the cancellation of booked journey and the amount of deposit refund, if any.
5. Proof of relationship (marriage or birth certificate) is required if the event that gives rise to the cancellation of journey is concerned with a person other than the Insured (travelling companions / family members).
6. For losses arising from the same event, You may only claim under one of the following Sections: 7.1, 7.3, 7.4, 7.5, 7.6, or 7.7. No duplicate claims shall be made.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence, including the originally scheduled itinerary (such as group tour number, departure and return dates, destination, etc.) and the specific reasons for journey curtailment or postponement, etc.
2. All original correspondence, e.g. booking receipts, vouchers of additional hotel and traveling expenses incurred due to journey curtailment / postponement and other supporting documents.

1. Notify the travel agent, tour operator or provider of transport or accommodation immediately to curtail or postpone the travel arrangement if necessary.
2. Retain all additional hotel and traveling expenses receipts.
3. Obtain documentary proof about occurrence that leads to the journey curtailment / postponement, e.g. medical certificate of unfitness for travel or official written proof issued by local authorities regarding hijack, riot or civil commotion, etc.
4. Obtain written confirmation from the travel agent as to the curtailment / postponement of booked journey and the amount of deposit refund, if any.
5. Proof of relationship (marriage or birth certificate) is required if the event that gives rise to the cancellation of journey is concerned with a person other than the Insured (travelling companions / family members).
6. For losses arising from the same event, You may only claim under one of the following Sections: 7.1, 7.3, 7.4, 7.5, 7.6, or 7.7. No duplicate claims shall be made.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the circumstances of the occurrence, including the time, place and details of the third party involved.
2. All correspondence, documents and photographs, if any, relating to the occurrence.

1. For any case involving serious injury, loss or damage, please contact our Claims Department as soon as possible. We will arrange for a site inspection where necessary.
2. If possible, please take photographs of the damaged property for submission together with the claim to us to assist in assessment.
3. Please do not make any promise, offer or admission of liability to any third party without our prior consent. All correspondence or claims from third parties and all legal process should be forwarded to us immediately upon receipt for our handling.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence (such as date, place and circumstances of the accident).

2. All original relevant documents, including travel proof (such as e-tickets for departure and arrival in Hong Kong, immigration records, etc. ).

2.1 “Hole In One” Celebration Benefit: Original golfing “Hole In One” authenticated certificate issued by a recognized golf course, the score card of the day and original receipts of the bar expenses incurred for the celebration. Download Form

2.2 Emergency Golf Equipment Hire: Police statement/report (in case of theft or loss), property loss/damage report issued by airline or relevant organization and list of rented golf equipment and original payment receipts, etc. Download Form

2.3 Prepaid Green Fees and Golf Tuition Cover: Medical report (if cancelled due to health reasons), green fees/golf tuition fees payment receipt and written confirmation of refund from the relevant golf course/organization regarding cancellation or curtailment of rental period and refund of fees. Download Form

1. For any case involving accidental loss, theft, and robbery or like event, report the incident to the local police within 24 hours after its occurrence and obtain their written report or certificate showing full details and value of the lost golf equipment.
2. Report the loss or damage to the airline or other carrier concerned immediately upon discovery and obtain their Property Irregularity Report in case of loss or damage occurring whilst in their custody, and submit it together with the claim.
3. Please take photographs of the damaged golf equipment for submission together with the claim to us.

eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days after the date of discharge that gives rise to the claim.

Claim Form Procedure: Please submit the following documents within 30 days after the date of discharge that gives rise to the claim.

Medical treatment in Private Hospital

1. Original hospital bill and receipt(s).
2. A duly completed claim form with detailed description as to the circumstances of the occurrence (The attending doctor has to complete the Part 2 of the claim form and the Part 1 is to be completed by the domestic helper).

Medical treatment in Public Hospital

1. Original hospital bill and receipt(s).
2. Discharge Slip or Discharge Summary (Ask the attending doctor before discharge from hospital).
3. A duly completed claim form with detailed description as to the circumstances of the occurrence (If the Discharge Slip or Discharge Summary is provided, the attending doctor doesn't need to fill in the Part 2 of the claim form).

eClaim Procedure: Please provide the information and upload documents via eClaim before the repatriation of the domestic helper that gives rise to the claim.

Claim Form Procedure: Please submit the following documents before the repatriation of the domestic helper that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the reason of the repatriation.
2. The medical certificate which is used to prove the unfitness of the domestic helper to complete the employment contract.
3. Both employment contracts of the repatriated and new domestic helpers.
4. Notice of termination issue from either the policyholder or domestic helper.
5. Acknowledgement from Immigration Department of the termination of employment.
6. Original receipt of air-ticket charges for the repatriated domestic helper.
7. Original receipt of employment agency charges for the new replacement.

eClaim Procedure: Please submit the information and upload documents in eClaim within 30 days of the occurrence that gives rise to the claim.

Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.
2. Original police report, invoice of lost properties, date of unauthorized use of IDD and telephone bill for 3 months, etc.
3. A copy of employment contract, notice of termination and acknowledgement from Immigration Dept.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.
2. Original police report, photos and purchase invoices of lost or damaged properties and repair quotation, etc.

eClaim Procedure: Please submit the information and upload documents in eClaim within 30 days of the occurrence that gives rise to the claim.

Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.
2. All correspondence, documents and photographs, if any, relating to the occurrence.

1. For any case involving serious injury, loss or damage, please contact our Claims Department as soon as possible for arrangement of site inspection where necessary.
2. Please do not make any promise, offer or admission of liability to third party without our prior consent. All correspondence or claims from third party and all legal process should be forwarded to us immediately upon receipt for our handling.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.
2. Original medical report, medical bill and police record, etc.

eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days of the occurrence that gives rise to the claim

Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that gives rise to the claim

1. A duly completed claim form with detailed description as to the reason for the cancellation of the Working Holiday and the total amount of claim, etc.
2. All original certification and other documents relating to the occurrence and all booking vouchers and receipts.

1. Notify the transport or accommodation service provider immediately to cancel the booking arrangement if necessary and obtain written confirmation as to the trip cancellation and the amount of deposit refund, if any.
2. Retain all original travel ticket and accommodation expenses receipts.
3. Obtain documentary proof about the occurrence that leads to the cancellation of Working Holiday, e.g. medical certificate of unfitness for travel, jury service or witness summons, etc.
4. Proof of relationship is required if the event that gives rise to the cancellation of Working Holiday is concerned with an immediate family member of the Insured.

eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days of the occurrence that gives rise to the claim

Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that gives rise to the claim

1. A duly completed claim form with detailed description as to the reason for the curtailment of Working Holiday and the total amount of claim, etc.
2. All original certification and other documents relating to the occurrence and all deposit vouchers and receipts of additional transport and accommodation expenses incurred.
3. Proof of relationship between the Insured and the immediate family member concerned.

1. Notify the transport or accommodation service provider immediately to curtail the Working Holiday arrangement if necessary and obtain written confirmation as to the curtailment of trip and the amount of deposit refund, if any.
2. Retain all original travel ticket and accommodation expenses receipts.
3. Obtain documentary proof about the occurrence that leads to the curtailment of Working Holiday, e.g. medical certificate.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.
2. All correspondence, documents and photographs, if any, relating to the occurrence.

1. For any case involving serious injury, loss or damage, please contact our Claims Department as soon as possible for arrangement of site investigation where necessary.
2. If possible, please take photographs of the damaged property for submission together with the claim to us.
3. Please do not make any promise, offer or admission of liability to third party without our prior consent. All correspondence or claims from third party and all legal process should be forwarded to us immediately upon receipt for our handling.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstance of the occurrence.
2. Original medical report, medical bill and police record, etc.

For any case involving serious injury, the Insured or the Insured's family should contact our Claims Department as soon as possible for investigation and other necessary follow up actions.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detail description as to the circumstances of the occurrence.
2. Original medical report, medical bill and police report, etc.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detail description as to the circumstances of the occurrence.
2. All correspondence, documents and photographs, if any, relating to the occurrence.

1. For any case involving serious injury, loss or damage, please contact our Claims Department as soon as possible for arrangement of site inspection where necessary.
2. If possible, please take photographs of the damaged property for submission together with the claim to us.
3. Please do not make any promise, offer or admission of liability to third party without our prior consent. All correspondence or claims from third party and all legal process should be forwarded to us immediately upon receipt for our handling.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence (such as date, place, circumstances and attribution of liability, etc.).
2. Please provide travel proof (such as e-ticket for departure and return to Hong Kong, immigration records, etc.), valid driving license for local area, copy of vehicle insurance policy, copy of vehicle rental contract, rental receipt, vehicle excess payment receipt, incident report and police report/statements, etc.

1. Notify the vehicle rental company immediately and obtain their written report showing full details of the damage.
2. Please take photographs of the damaged rental vehicle after the accident for submission together with the claim to us to facilitate assessment.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence (such as date and location of the unauthorized use, the amount involved, and details of the suspicious transaction).
2. Please provide travel proof (such as e-ticket for departure and return to Hong Kong, immigration records, etc.), credit card statement, incident report from the credit card issuer, and police report/statements, etc.

1. Notify the credit card issuer and obtain their written report showing the date, amount, and merchant name for each unauthorized transaction clearly to facilitate review.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:.

1. A duly completed claim form with correct information and a detailed description of the occurrence (such as reason of delay, details of affected arrangements, etc.).

2. All relevant documents, including travel proof (such as e-ticket for departure and return to Hong Kong, immigration records, etc.), and documentary proof of delayed return to Hong Kong (such as carriers’ certificates about the cause and duration of the delay).

2.1 Missed Event Protection (Hong Kong only): The original event ticket or booking confirmation showing the date and time of the event, proof of payment (such as receipts or credit card transaction records), and original written confirmation of the non-recoverable amount from the event organizer. Download Form

2.2 Child and Elderly Care Support: Documentation establishing the originally scheduled care period (such as contracts, booking confirmations), itemized invoices and official receipts proving the additional payments made due to delayed return to Hong Kong. Download Form

2.3 Pet Care Support: Documentation establishing the originally scheduled care period (such as boarding contracts or confirmations), itemized invoices and official receipts proving the additional payments made due to delayed return to Hong Kong, and an official document certifying your ownership of the pet (such as a valid government dog license, microchip certificate, veterinary medical record, or adoption certificate explicitly displaying Your name). Download Form

1. Retain relevant travel tickets, boarding pass and full itinerary for verification.
2. Obtain a documentary proof from the airline or other carrier concerned about the cause and duration of the delay, and submit it together with the claim.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence (such as cruise name, departure date, affected itinerary, etc.).

2. All relevant documents, including travel proof (such as e-tickets for departure and return to Hong Kong, immigration records, etc.).

2.1 Cruise Cancellation, Curtailment and Re-routing: Written confirmation from the airline or relevant organization regarding the cause and duration of delay, receipts of additional traveling expenses, receipts of cruise journey expenses, and written confirmation issued by the cruise company confirming the amount of refund due to cancellation or curtailment of the cruise journey.

2.2 Shore Excursion Cancellation Allowance: Medical certificate or written confirmation of excursion tour cancellation issued by the cruise company, payment receipt for the cancelled shore excursion tour and written proof of fees refunded.

2.3 Shore Excursion Curtailment Allowance: Written confirmation issued by the cruise company regarding the curtailment of a commenced shore excursion.

2.4 Emergency Satellite Phone Charges: Medical certificate(s) and receipt(s) of satellite phone fee paid.

2.5 Extra Visa Fee Reimbursement: Written confirmation issued by the cruise company regarding the alteration of the pre-arrange cruise route to a completely new itinerary and receipts of visa fees.

1. For any case involving Cruise Cancellation, Curtailment and Re-routing, the Insured should obtain a documentary proof from the airline or other carrier concerned about the cause and duration of the delay and submit it together with the claim.
2. For any case involving Cruise Cancellation, Curtailment and Re-routing, the Insured should retain all original invoices of the additional travel fare for travelling to catch up the cruise at the next destination of the cruise.
3. For any case involving Shore Excursion Cancellation Allowance, the Insured should obtain written confirmation from the travel agent/cruise company as to the cancellation of the booked shore excursion and the amount of deposit refund, if any, together with receipts of the relevant excursion fees or deposits.
4. For any case involving Shore Excursion Cancellation Allowance or Emergency Satellite Phone Charges, the Insured should retain all original medical bill(s), receipt(s) and medical certificate(s) or report(s), if any, showing the diagnosis of sickness or nature of injury.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence (such as the sport involved, circumstances of injury or property loss, etc.).

2. All original relevant documents, including travel proof (such as e-tickets for departure and return to Hong Kong, immigration records, etc.).

2.1 Additional Medical Expenses Cover / Additional Personal Accident Cover: Original medical bill(s), receipt(s) and medical certificate(s) or report(s). Download Form

2.2 Sports Journey Interruption Cover: Booking receipts and confirmation proof of the non-refundable and unrecoverable portion of the prepaid fees. Download Form

2.3 Sports Equipment Protection: Police report, photos of damaged articles, repair quotation, and purchase invoices of the lost or damaged articles, etc. Download Form

2.4 Sports Equipment Rental Cover: Police report, confirmation from a carrier specifying the exact duration of delay and receipts of rental sports equipment expenses, etc. Download Form

1. Retain all original medical bill(s), receipt(s) and medical certificate(s) or report(s), if any, showing the diagnosis of sickness or nature of injury, for submission together with the claim.
2. For any case involving accidental loss, theft, robbery or like event, report the incident to the local police within 24 hours after its occurrence and obtain their written report or certificate showing full details and value of the lost articles.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence (such as name and date of event, reason of interruption, etc.).

2. All original relevant documents, including travel proof (such as e-tickets for departure and return to Hong Kong, immigration records, etc.), proof of journey curtailment or travel delay (written confirmation issued by airlines or relevant organization)

2.1 Overseas Event Interruption Cover: Documentation regarding the cost of admission tickets for a pre-arranged event that could not be attended (such as ticket receipts and cancellation confirmation). Download Form

2.2 Additional Cover for Cameras and Camcorders and Accessories: Police report, photos of damaged articles, repair quotation, and purchase invoices of the lost or damaged articles, etc. Download Form

2.3 Venue Closure Cash Allowance: Written confirmation issued by the relevant organization, authorities or venue management regarding the reason of closure Download Form

1. Obtain written confirmation from the relevant organizations as to the reason of journey curtailment or delay, for submission together with the claim.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence.

2. All original correspondence, e.g. deposit receipt(s), and other supporting documents.

2.1 Pre-wedding Photo Journey and Overseas Wedding Package Cancellation Cover: Receipt of pre-paid pre-wedding photo journey and overseas wedding package and the amount of deposit refund (issued by the relevant company) Download Form

2.2 Wedding Ring, Attire and Accessories Cover : Police report, photos of damaged articles, repair quotation, and purchase invoices of the lost or damaged articles, etc. Download Form

2.3 Change of Photo Shooting Venue Costs: Documentary proof for reason of journey re-routing and receipts of additional transport and/or accommodation expenses due to change of photo shooting venue. Download Form

1. Obtain written confirmation from the relevant company as to the cancellation of pre-wedding photo journey and overseas wedding package and receipt showing the amount of deposit refund, if any.
2. Obtain written confirmation from the relevant company as to the reason of journey re-route, for submission together with the claim.

eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days of the occurrence that gives rise to the claim.

Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the illnesses or the injuries by accident.
2. All original correspondence, e.g. medical bill(s) & report(s), documentary proof of travel (like boarding pass, entrance and departure record of travel documents, etc), Student Visa and Student Card or the relevant documentation, etc.

Retain all original medical bill(s), receipt(s) and medical certificate(s) or report(s), if any, showing the diagnosis of sickness or nature of injury.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim

1. A duly completed claim form with detailed description as to the circumstance of the occurrence.
2. Original medical report, medical bill, police record, Student Visa and Student Card or the relevant documentation, etc.

For any case involving serious injury, the insured person's family should contact our Claims Department as soon as possible for investigation and claim follow up.

eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days of the occurrence that gives rise to the claim.

Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.
2. All correspondence, documents and photographs, if any, relating to the occurrence, Student Visa and Student Card or the relevant documentation, etc.

1. For any case involving serious injury, loss or damage, please contact our Claims Department as soon as possible for arrangement of site inspection where necessary.
2. If possible, please take photographs of the damaged property for submission together with the claim to us.
3. Please do not make any promise, offer or admission of liability to third party without our prior consent. All correspondence or claims from third party and all legal process should be forwarded to us immediately upon receipt for our handling.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim

1. A duly completed claim form with detailed description as to the circumstances of the occurrence and the total amount of claim, etc.
2. All correspondences, e.g. invoice of tuition and other supporting documents, Student Visa and Student Card or the relevant documentation, etc.

1. Retain all original tuition invoices/receipts.
2. You should produce at your expenses a death certificate or medical report from a registered medical practitioner with an assessment on the permanent total disablement of the Insured Person’s parent or legal guardian.
3. Proof of relationship is required.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim

1. A duly completed claim form with detailed description as to the reason for the interruption of study and the total amount of claim, etc.
2. All original correspondence, e.g. tuition fee receipts, Student Visa and Student Card and other supporting documents.

1. Notify the overseas educational institution to interrupt the remaining part of school term if necessary.
2. Retain all original tuition fee receipts.
3. Obtain documentary proof about occurrence that leads to the interruption of study, e.g. death certificate, medical certificate of unfitness for continue study for the remaining parts of a school term, etc.
4. Obtain written confirmation from the oversea educational institution as to the interruption of study and the amount of tuition refund, if any.
5. Proof of relationship is required if the event that gives rise to the interruption of study is concerned with a person other than the Insured.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim

1. A duly completed claim form with detailed description as to circumstance of the occurrence.
2. All original correspondence, e.g. police report, Student Visa and Student Card or the relevant documentation, etc.

1. For any case involving uninhabitable of overseas residence arising out of natural disaster, fire or flood, please take photographs of the damaged overseas residence together with invoice of alternative accommodation for submission together with the claim to us.

A. eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days of the occurrence that gives rise to the claim.

B. Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that gives rise to the claim

1. A duly completed claim form with detailed description as to the reason for the trip cancellation and the total amount of claim, etc.
2. All original correspondences, e.g. booking receipts and other supporting documents, Student Visa and Student Card or the relevant documentation, etc.

1. Notify the travel agent, tour operator or provider of transport or accommodation immediately to cancel the travel arrangement if necessary.
2. Retain all original hotel, travel ticket or group tour booking receipts.
3. Obtain documentary proof about the occurrence that leads to the trip cancellation, e.g. medical certificate of unfitness for travel arising of serious bodily injury, serious sickness, jury service or witness summons, etc.
4. Obtain written confirmation from the travel agent as to the cancellation of booked journey and the amount of deposit refund, if any.
5. Proof of relationship is required if the event that gives rise to the cancellation of trip is concerned with a person other than the Insured.

A. eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days of the occurrence that gives rise to the claim.

B. Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that gives rise to the claim

1. A duly completed claim form with detailed description as to the flight number, the duration of delay, descriptions of the essential items purchased, etc.
2. All original correspondences, e.g. carriers certificate and all relevant purchase invoices, Student Visa and Student Card or the relevant documentation, etc.

1. Report the non-delivery of baggage to the airline or other carriers concerned immediately on discovery and obtain their Property Irregularity Report.
2. Retain all original invoices of the essential items purchased.

A. eClaim Procedure: Please provide the information and upload documents via eClaim within 30 days of the occurrence that gives rise to the claim.

B. Claim Form Procedure: Please submit the following documents within 30 days of the occurrence that gives rise to the claim

1. A duly completed claim form with detailed description as to the cause and the lost or damaged articles (e.g. brand, model, age, value), etc.
2. All original correspondence, e.g. police report, carriers certificate, repair quotation, purchase invoices of the lost or damaged articles, documentary proof of travel (like boarding pass, entrance and departure record of travel documents, etc), Student Visa and Student Card or the relevant documentation, etc.

1. For any case involving accidental loss, theft, and robbery or like event, report the incident to the local police within 24 hours after its occurrence and obtain their written report or certificate showing full details of the lost articles.
2. Report the loss or damage to the airline or other carrier concerned immediately upon discovery and obtain their Property Irregularity/ Damage Report in case of loss or damage occurring whilst in their custody.
3. Retain the damaged articles. If possible, please take photographs of the damaged property for submission together with the claim to us.
4. Please do not process the repair without our prior consent after obtaining the repair quotation. Unless as an emergency repair work to avoid danger or further damages. Any queries, please call our Claims Hotline on 2230 9961.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence and the damaged properties/materials, etc.
2. All relevant documents, including renovation contract, building management incident report, police report, photos, purchase invoices and replacement quotation of the damaged properties/materials, etc.

1. For any case involving serious damage, please contact our Claims Department as soon as possible for assistance and arrangement of site inspection where necessary.
2. Retain the damaged properties. If possible, please take photographs of the damaged properties for submission together with the claim to us.
3. Please do not process the repair or reinstatement works without our prior consent after obtaining the repair or reinstatement quotation. Unless as an emergency repair or reinstatement works to avoid danger or further damages. Any queries, please call our Claims Hotline on (852) 2230 9961.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the causes of the occurrence.
2. All relevant documents, including renovation contract, building management incident report, correspondence and photographs, if any, relating to the occurrence.

1. For any case involving serious loss or damage, please contact our Claims Department as soon as possible for arrangement of site inspection where necessary.
2. Please do not make any promise, offer or admission of liability to third party without our prior consent. All correspondence or claims from third party and all legal process should be unanswered and forwarded to us immediately upon receipt for our handling.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstance of the occurrence.

2. Original medical report, medical bill, police record and travel records, etc.

3. For claim related to accidental death, death certificate, funeral expenses (outside HK) receipt and relationship proof.

1. For any case involving serious injury, the insured person's family should contact our Claims Department as soon as possible for investigation and claim follow up.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstance of the occurrence.
2. Original correspondence, e.g. medical bill(s), medical certificate (s) and travel records.

1. Retain all original medical bill(s), receipt(s) and medical certificate(s) or report(s), if any, showing the nature of injury.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstance of the occurrence.
2. All original correspondence, e.g. police report, receipt of replacement fees of the lost personal documents, receipt(s) for additional travelling & accommodation expenses and travel records, etc.

1. Please report the loss of personal documents to the local police within 24 hours after its occurrence and obtain police report or certificate showing details of the lost personal documents.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the cancellation of arranged high speed rail train or sea vessel due to adverse weather conditions or nature disasters.

2. All original correspondence, e.g. booking record of high speed rail train or sea vessel, certificate showing the cause of cancellation of high speed rail train or sea vessel and additional accommodation expenses (outside HK) receipt and travel records, etc.

1. Obtain a documentary proof from the carrier concerned about the cause of the cancellation of booked high speed rail train or sea vessel.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.
2. All correspondence, documents and photographs, if any, relating to the occurrence and travel records.

1. For any case involving serious injury, loss or damage, please contact our Claims Department as soon as possible for arrangement of site inspection where necessary.

2. Retain the damaged articles. If possible, please take photographs of the damaged property for submission together with the claim to us.

3. Please do not make any promise, offer or admission of liability to third party without our prior consent. All correspondence or claims from third party and all legal process should be forwarded to us immediately upon receipt for our handling.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstance of the occurrence.
2. Please provide valid driving license for local area, copy of vehicle insurance policy, copy of vehicle rental contract, rental receipt, vehicle excess payment receipt, report of vehicle rental company, police report/statement and travel records, etc.

1. Notify the vehicle rental company and obtain their written report showing full details of the damage.
2. Please take photographs of the damaged rental vehicle together with the claim to us.

Please submit the following documents within 30 days after suffering from Serious Disease that gives rise to the claim.

Medical consultation in clinic

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.
2. Original clinical receipt(s) with diagnosis.

Medical examination in medical laboratory/imaging center

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.
2. Original medical examination expense receipt(s).
3. Copy of referral letter from the attending doctor.
4. Copies of all diagnosis/examination/test reports.

Medical treatment in Private Hospital

1. A duly completed claim form with detailed description as to the circumstances of the occurrence (The attending doctor has to complete the Part 2 of the claim form and the Part 1 is to be completed by the domestic helper).
2. Original hospital bill and receipt(s).
3. Copies of all medical reports, including hospital discharge summary, hospital notes and all diagnosis/ examination/test reports, etc.

Medical treatment in Public Hospital

1. Original hospital bill and receipt(s).
2. Discharge Slip (Patient Copy) (Ask the attending doctor before discharge from hospital).
3. A duly completed claim form with detailed description as to the circumstances of the occurrence (If the Discharge Slip (Patient Copy) is provided, the attending doctor doesn't need to fill in the Part 2 of the claim form).

Please submit the following documents before the repatriation of the domestic helper that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the reason of the repatriation.
2. The medical certificate which is used to prove the unfitness of the domestic helper to complete the employment contract.
3. Both employment contracts of the repatriated and new domestic helpers.
4. Notice of termination issue from either the policyholder or domestic helper.
5. Acknowledgement from Immigration Department of the termination of employment.
6. Original receipt of air-ticket charges for the repatriated domestic helper.
7. Original receipt of employment agency charges for the new replacement.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.

2. Original itemized invoices and receipts.

3. Part 2 of claim form completed by the attending Veterinarian.

4. Copy of all diagnostic and tests reports.

Co-Payment per claim:

• Insured Pet’s attained age from 0 – 8 : 30%
• Insured Pet’s attained age from 9 or above : 40%

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.

2. All correspondence, documents, and photographs, if any, relating to the occurrence.

1. For any case involving serious injury, loss or damage, please contact our Claims Department as soon as possible for arrangement of site inspection where necessary.

2. Please do not make any promise, offer or admission of liability to third party without our prior consent. All correspondence or claims from third party and all legal process should be forwarded to us immediately upon receipt for our handling.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.

2. Original receipts of costs for cremation, funeral services, and/or related handling charges for the Insured’s pet remains from the Vet or funeral service providers.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with detailed description as to the circumstances of the occurrence.

2. Original receipts of pet sitting expenses incurred at pet sitting facility.

3. Medical document showing the Insured is hospitalized for more than 4 consecutive days; or

delay certificate from aircraft/railways showing the Insured is experiencing overseas travel delay due to terrorist attack, natural disaster or mechanical/structural defect of aircraft/railways for over 4 consecutive days.

Co-Payment per claim: 50%

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence (such as date and place of accident, circumstances, and vehicle information involved).
2. Please provide travel proof (such as e-ticket for departure and return to Hong Kong), valid driving license for local area, copy of vehicle insurance policy, copy of vehicle rental contract, rental receipt, vehicle excess payment receipt, incident report and police report/statements, etc.

1. Notify the vehicle rental company immediately and obtain their written report showing full details of the damage.
2. Please take photographs of the damaged rental vehicle after the accident for submission together with the claim to us to facilitate assessment.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence (such as the loss, damage, or interruption of studies, etc.).

2. All accident proof documents and other supporting documents.

2.1 Student Laptop and Tablet Cover: Police report, photos of damaged articles, repair quotation, and purchase invoices of the lost or damaged laptop or tablet, etc. Download Form

2.2 Overseas Tuition Interruption Cover: Documentary proof about the occurrence that leads to the journey cancellation or curtailment (such as medical certificate, written notice from the school, etc.) and proof of unused tuition fees (such as refund confirmation from school or tuition fee receipt). Download Form

1. Please retain the damaged articles and take photographs of the damaged condition as evidence for submission together with the claim.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim.

1. A duly completed claim form with correct information and a detailed description of the occurrence (such as details regarding the loss, theft, or damage).

2. All accident proof documents and other supporting documents.

2.1 Instrument Loss Cover: Police report, photos of damaged articles, repair quotation, and purchase invoices of the lost or damaged articles, etc.

2.2 Instrument Rental Allowance: Police report, confirmation from a carrier specifying the exact duration of delay and receipts of temporary musical instrument rental expenses, etc.

Please retain the damaged instrument and take photographs of the damaged condition for submission together with the claim.

Please submit the following documents within 30 days of the occurrence that gives rise to the claim:

1. A duly completed claim form with correct information and a detailed description of the occurrence (such as reason of delay, pet's condition, etc.,).

2. All accident proof documents and other supporting documents.

2.1 Additional Pet Boarding Cover: Documentary proof of the delay to return to Hong Kong (such as carriers' certificates about the cause and duration of the delay), documentation of additional pet boarding expenses incurred due to the delay (such as receipts and itemized invoices from the boarding centre), and an official document certifying your ownership of the pet (such as a valid government dog license / microchip certificate, veterinary medical record, or adoption certificate explicitly displaying Your name).

2.2 Journey Cancellation or Curtailment for Pet Emergency: Written certificate issued by a registered veterinarian and documentation of unused travel and accommodation expenses.

1. Obtain written confirmation from the relevant organizations as to the reason of delay for submission together with the claim.
2. Obtain written confirmation from the travel agent as to the cancellation / curtailment of booked journey and receipt showing the amount of deposit refund, if any.