American Express Insurance Services - Travel Insurance


Optional Benefits
Summary of Benefits		Essential Travel	Standard Travel	Superior Travel
Geographical Limits		South East Asia	Worldwide excluding USA/Canada	Worldwide including USA/Canada
Personal Accident
1A	Accidental Death & Disablement - For children (Family Plan only) - For an adult above 70 years old	$125,000 $12,500 $31,250	$250,000 $25,000 $62,500	$500,000 $50,000 $125,000
1B	Double Indemnity for Accidental Death & Disablement (auto/public conveyance) - For children (Family Plan only) - For an adult above 70 years old	$250,000 $25,000 $62,500	$500,000 $50,000 $125,000	$1,000,000 $100,000 $250,000
Overseas Medical and Travel Expenses
2A	Overseas Medical and Accidental Dental Expenses - For children (Family Plan only) - For an adult above 70 years old	$500,000 $50,000 $125,000	$1,000,000 $100,000 $250,000	$2,000,000 $200,000 $500,000
2B	Compassiontate Visit Overseas	NA	$5,000	$10,000
2C	Emergency Telephone Charges	NA	$100	$200
2D	Return of Minor Children	NA	$5,000	$10,000
3	Overseas Hospital Confinement Benefit	$100 per day max 25 days	$200 per day max 100 days	$200 per day max 250 days
4	Post Journey Medical Expenses Traditional Chinese Medicine	$2,500 $750	$10,000 $750	$50,000 $750
5A	Emergency Medical Evacuation	$50,000	$1,000,000	Unlimited
5B	Repatriation of Mortal Remains	$50,000	$1,000,000	Unlimited
Liability
6A	Personal Liability	$500,000	$1,000,000	$2,000,000
6B	Legal Expenses	$25,000	$75,000	$150,000
Travel Inconveniences
7A	Journey Cancellation	$5,000	$10,000	$15,000
7B	Journey Curtailment	$5,000	$10,000	$15,000
8	Flight Delay	$100 per 8 consecutive hrs max $500	$100 per 8 consecutive hrs max $1,000	$200 per 8 consecutive hrs max $2,000
9	Travel Misconnection	NA	$100 per 8 consecutive hrs max $1,000	$200 per 8 consecutive hrs max $2,000
10	Flight Diversion	NA	NA	$200 per 8 consecutive hrs max $2,000
11	Alternative Travel due to Infectious Diseases	NA	NA	$7,500
12	Loss of Deposit due to Insolvency of Travel Agent	NA	NA	$5,000
13	Loss/Damage of Personal Property & Baggage	$3,500 max $500 per item	$5,000 max $500 per item	$8,000 max $500 per item
14	Baggage Delay	$100 per 8 consecutive hrs max $500	$100 per 8 consecutive hrs max $1,000	$200 per 8 consecutive hrs max $2,000
15	Loss of Personal Money & Travel Documents	$500 max $300 money	$3,000 max $300 money	$5,000 max $300 money
16	Credit Card Indemnity	$500	$1,500	$3,000
17	Flight Overbooked	NA	NA	$500
18	Hijack	NA	$250/24 hours max $5,000	$500/24 hours max $10,000
19	Kidnap/Hostage	NA	$250 per 24 hours max $5,000	$500 per 24 hours max $10,000
Lifestyle
20	Home Guard	NA	$5,000	$10,000
21	Rental Vehicle Excess	NA	$500	$1,000
22	Pet Care	NA	$50 per 8 consecutive hrs max $500	$100 per 8 consecutive hrs max $1,000
Others
23	Terrorism extension	Included	Included	Included
	24-hr Worldwide Medical Emergency Assistance Hotline	Included	Included	Included
	24-hr Travel Advice Hotline	Included	Included	Included
	Automatic Extension of Cover if Insured is sick or injured while overseas	Included	Included	Included
Winter Sports
24A	Ski equipment	NA	$3,000 max $1,000 per item	$5,000 max $1,000 per item
24B	Piste closure	NA	$50 per day max $250	$100 per day max $500
24C	Unused ski equipment hire, lift passes and ski school expenses due to accident or illness	NA	$500	$1,000
24D	Replace lift or ski passes if they are stolen	NA	$250	$500
Golf
25A	Hole In One	NA	$300	$500
25B	Golf equipment	NA	$3,000 max $1,000 per item	$5,000 max $1,000 per item
25C	Unused Green fees due to injury/illness	NA	$750	$1,000

The amount listed above are the maximum coverage payable for each benefit.
All benefit items are on reimbursement basis where you will be reimbursed for the expenses incurred except for benefit items 1, 3, 8, 9, 10, 14, 18, 19, 22 and 24B.
Maximum of 45 days per Journey for Annual Plan.
"Pre-existing conditions" which existed within 12 months period prior to the effective date of this policy will not be covered.
Please refer to the Policy Wording for the full specifications, conditions and exclusions.