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Happy Trip Travel Insurance

Your No.1 choice for business trip and travelling

Product Features

Plan Cover

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More coverage, more at ease “HappyTrip” - your No.1 choice for trips

Apply for “HappyTrip” Insurance Plan through BCM website and enter campaign code BCMTRAVEL to enjoy exclusive discount

10% discount for Annual Plan
32% discount for Single Trip Plan

Scope of Coverage

Covered Item		Maximum Benefit Per Insured Person (MOP)
		Mainland China Plus Hong Kong Plan (Applicable to Annual Plan Only)	Asia (Applicable to Single Trip Plan Only)		Worldwide (Applicable to Single Trip and Annual Plan)
			Classic Plan	V.I.P. Plan	Classic Plan	V.I.P. Plan
1	Personal Accident
	Aged 18 up to and including 65	300,000	600,000	1,200,000	600,000	1,200,000
	Aged under 18 or over 65	50,000	100,000	100,000	100,000	100,000
2	Medical Expenses
	Aged 2 up to and including 65	250,000	500,000	1,000,000	500,000	1,000,000
	Aged under 2 or over 65	50,000	100,000	100,000	100,000	100,000
	Medical Treatment in Macau	15,000	30,000	50,000	30,000	50,000
	Chinese Bonesetter treatment	1,000	1,500	1,500	1,500	1,500
	Daily Limit	100 / visit	150 / visit	150 / visit	150 / visit	150 / visit
	Hospital room & board	750 / day	1,500 / day	2,500 / day	1,500 / day	2,500 / day
3	Hospital Cash Allowance	2,500	5,000	8,000	5,000	8,000
3	Daily Limit	100	200	200	200	200
4	Personal Money and Travel Documents	1,500 (Travel Documents Only)	3,000	6,000	3,000	6,000
5	Trip Cancellation	5,000	30,000	50,000	30,000	50,000
6	Trip Curtailment	5,000	30,000	50,000	30,000	50,000
7	Travel Delay	300	3,000	5,000	3,000	5,000
	First 6 hours of delay	300	200	300	200	300
	Each subsequent 6 hours of delay	N/A	200	300	200	300
8	Baggage & Personal Effects	5,000	15,000	30,000	15,000	30,000
8	Sub-limit per item/ pair/ set	2,500	2,500	2,500	2,500	2,500
9	Baggage Delay	N/A	2,000	3,000	2,000	3,000
10	Loss of Home Contents	5,000	10,000	20,000	10,000	20,000
11	Personal Liability	250,000	500,000	1,000,000	500,000	1,000,000
12	24-Hour Emergency Services	Applicable	Applicable	Applicable	Applicable	Applicable
	Medical evacuation
	Repatriation after treatment
	Hospital deposits guarantee
	Repatriation of mortal remains/ashes
	Return of unattended child(ren) to place of origin
	Compassionate visit
	Referral Service

Basic Premium

Single Trip Plan (MOP)
Day	Asia		Worldwide
	Asia		Worldwide
	Classic	V.I.P.	Classic	V.I.P.
	Classic	V.I.P.	Classic	V.I.P.
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
Each extra day	5	7	7	9
Annual Plan (MOP)
Insurance Period	Plan Type		Basic Premium
1 Year	Mainland China Plus Hong Kong Plan		850
	Worldwide	Classic	1,520
	Worldwide	V.I.P.	1,850

Happy Family Plans

	Single Trip Plan	Annual Plan
Couple Plan (Insured couple)	Basic Premium x 1.9	Basic Premium x 2
Parent Plan (Insured & child(ren) under 18)	Basic Premium x 1.6
Family Plan (Insured couple & child(ren) under 18)	Basic Premium x 2.5

Period, Age and Geographical Limits

	Single Trip Plan	Annual Plan
No. of Trip per Policy	One	Unlimited
No. of Destinations per Trip	Unlimited	Unlimited
Trip Duration	Maximum 90 days per trip	Maximum 90 days per trip
Age Limit	6 months - 75 years old	Individual Plan: Aged 18 -75 Family Plan: Policyholder and/or Insured Spouse must be 18 to 75 years old, Insured Child(ren) must be 6 months to aged below 18 years on the commencement date of the Insured Trips. The Family plan is not applicable for child(ren) aged below 18 years to apply independently
Nationality Limit	Insured Person must be a Macau resident or holder of a valid Macau Work Permit	Insured Person must be a Macau resident and usually resides in Macau
Purpose of the Trip	Leisure vacation or business trip (administrative duty only)	Leisure vacation or business trip (administrative duty only)
Place of Origin	Trip(s) must commence from Macau	Trip(s) must commence from Macau

Geographical Limits

a) Mainland China Plus Hong Kong Plan: Mainland China and Hong Kong

b) Asia (Single Trip): Asia includes Bangladesh, Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, Taiwan, Guam, India, Indonesia, Japan, Laos, Malaysia, Maldives, Mongolia, Nepal, Philippines, Singapore, South Korea, Sri Lanka, Thailand, Timor-Leste and Vietnam.

c) Worldwide (Single Trip / Annual Plan): Includes all countries in the world (excludes Restricted Countries and Regions#)
# The list of Restricted Countries and Regions may be updated from time to time without prior notice, please refer to MIC website for details.

Major Exclusions

Pre-existing, congenital or hereditary conditions;
Suicide, attempted suicide or intentional self-inflicted bodily injuries;
Willful, malicious, deliberate, criminal or unlawful acts;
Psychiatric, psychological disorder or insanity;
Pregnancy or gynecological disease or their sequel, abortion, miscarriage or childbirth;
HIV related illness (including AIDS and/or any mutant derivative or variation);
Involvement in dangerous assignments, projects or work;
Involvement in professional, championship or dangerous sports and competitions or air travel;
War, invasion, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, revolution, insurrection or civil commotion;
Nuclear reactions, radiations or contaminations;
Chemical or biological substances not used for peaceful means;
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 (Applicable to Single Trip Plan Only).

Communicable Disease Exclusions

COVID-19 (Applicable to Annual Plan only. The insured person of Single Trip Plan is entitled to hospital cash allowance, trip cancellation and trip curtailment coverage due to COVID-19 infection);
Notwithstanding any provision to the contrary within this Policy, all actual or alleged loss, liability, damage, compensation, injury, disease, Sickness, death, medical expense, defense cost, cost, expense or any other amount (including but not limited to cleaning, disinfection, removal, monitoring or testing of Communicable Disease), directly or indirectly, and regardless of any other cause contributing concurrently or in any sequence, originating from, caused by, arising out of, contributed to by, resulting from, or otherwise in connection with a Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease are not covered.

Remarks

The above information is for reference only. Please refer to the policy schedule for detailed terms and conditions.
This service/product is not targeted at customers in the EU or Mainland China.

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