More coverage, more at ease
“HappyTrip” - your No.1 choice for business trip and travelling
Scope of Coverage
Maximum Benefit (MOP)
Plan 1
Plan 2
Personal Accident
600,000
1,200,000
-
Death
-
Permanent disablement
Maximum benefit of MOP100,000
for insured aged under 16 or over 65
Medical Expenses
500,000
1,000,000
-
Overseas hospitalization, surgery, ambulance and paramedic services, diagnostic tests, consultation and prescribed medicines
-
Follow-up medical expenses within 60 days of returning to Macau (including bonesetter expenses)
Maximum benefit of MOP100,000
for insured aged under 2 or over 65
Hospital Cash Allowance
5,000
8,000
Cancellation of Journey
30,000
50,000
Curtailment of Journey
30,000
50,000
Loss, Physical Breakage or Damage to Baggage & Personal Effects Directly Arising from Theft or Robbery
15,000
30,000
Loss of Money and Travel Documents Directly Arising from Theft or Robbery
3,000
6,000
Loss of Home Contents
10,000
20,000
Travel Delay
3,000
5,000
Baggage Delay
2,000
3,000
Personal Liability
500,000
1,000,000
24-Hour Emergency Services
Applicable
Applicable
-
24-Hour emergency hotline
-
Medical evacuation
-
Hospital deposit guarantee
-
Compassionate visit
-
Repatriation after treatment
-
Repatriation of mortal remains/ashes
-
Return of unattended children
-
Travel information, support & referral
Happy Family Plans
Couple Plan (Insured couple):
Basic Premium X 1.9
Parent Plan (Insured & children under 16):
Basic Premium X 1.6
Family Plan (Insured couple & children under 16):
Basic Premium X 2.5
Group Discounts (not applicable in conjunction with other discounts)
10 policies or more:
15% off
20 policies or more:
25% off
Maximum period of insurance: 90 consecutive days Automatic extension in case of travel delay: 10 days (no extra charge) Automatic acceptance age: 6 months - 75 years old (Applicants above 75 years old are subject to underwriting acceptance)
Geographical Zones:
Asia
Bangladesh, Bhutan, Brunei, Cambodia, China, Guam, Hong Kong, India, Indonesia, Japan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Timor and Vietnam
Worldwide
All countries in the world
Basic Premium ( MOP )
Asia
Worldwide
Day
Plan 1
Plan 2
Plan 1
Plan 2
1
79
119
126
171
2
108
162
172
231
3
130
196
207
280
4
149
224
238
321
5
164
248
263
354
6
177
267
283
382
7
188
285
302
407
8
199
301
319
430
9
208
315
333
450
10
216
327
345
466
11
222
336
355
480
12
227
345
364
492
13
231
351
370
500
14
236
357
376
509
15
240
364
383
517
16
244
370
389
525
17
248
376
395
534
18
252
383
402
542
19
257
389
408
551
20
261
395
414
559
21
265
402
420
567
22
269
408
427
576
23
273
414
433
584
24
278
420
439
593
25
282
427
446
601
26
286
433
452
609
27
290
439
458
618
28
294
446
465
626
29
299
452
471
635
30
303
458
477
643
31
307
465
483
651
Each extra day
5
7
7
9
Major Exclusions:
1.
Pre-existing, congenital or hereditary conditions;
2.
Suicide, attempted suicide or self-inflicted injuries;
3.
Willful, malicious, criminal or unlawful acts;
4.
Psychiatric, psychological disorder or insanity;
5.
Pregnancy, abortion, miscarriage or childbirth;
6.
HIV related illness (including AIDS and/or any mutant derivative or variation);
7.
Involvement in dangerous assignments, projects or work;
8.
Involvement in professional or dangerous sports, competitions or air travel;
9.
War, invasion, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, revolution, insurrection or civil commotion;
10.
Nuclear reactions, radiations or contaminations;
11.
Chemical or biological substances not used for peaceful means;
12.
Claims for persons who are emigrants or non-Macau residents except the holders of valid Macau work permit at the time of accident, loss or damage.
For detailed terms and conditions, please refer to the policy.