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CBI TravelSTARadvanceInsurance
WE CARE YOUR NEEDS
We desire nothing bad would happen to our well-planned trip wherever we go for leisure, business, study or working holiday, but sometimes things may not go on the way as we thought. Unpredictable extreme weather conditions, accidental injury or illness, riot or loss of valuable belongings may ruin our original plan regardless of what precaution we may have taken mishap. With CBI TravelSTAR advance Insurance, comprehensive coverage, we can rest assure you a carefree trip. Let’s travel withCBI TravelSTAR advance Insurance to experience a hassle-free and relaxed trip.

Product Snapshot
Key Features:
1.
 Choices on scope of benefits and trip duration, for single trip and annual cover.
2.
 Personal accident up to HK$2,000,000
3.
 Medical expenses up to HK$1,500,000
4.
 Follow up treatment in Hong Kong up to 25% of original medical benefits which includes bone-setting and acupuncture
5.
 Extra Burns Benefits
6.
 24-hours Hotline and Worldwide Emergency Assistance inclusive evacuation & repatriation
7.
 Trip Cancellation & Curtailment covers loss resulting from Outbound Travel Alert (OTA), Adverse Weather Conditions or Natural Disaster etc.
8.
 Compulsory Quarantine Cash Benefits
9.
 Amateur sport activities is covered
10.
 Nil excess borne by Insured
11.
 No age limit applicable to single trip
12.
 Unique plan available for working holiday program
13.  Single trip optional Cruise Tour Protection new
14.  New Extended COVID-19 Benefit

Age Limit:
Single Trip: No age limit; Annual cover: Insured Person aged up to 70, renew up to 75; Working Holiday: Insured person aged 18-31.

Insurance Plan Detail

Insurance Plan Detail


Coverage Provisions

Coverage Provisions

Important Notice to Traveler
The insured person(s) of this travel insurance should pay attention to below arrangement in relation to HKSAR Government’s outbound travel alert system (OTA):
(1)
In case the trip is cancelled resulting from the OTA alert, BOCOM Insurance shall indemnify the Insured Person for the loss of travel fare and/or accommodation expenses paid in advance for which he/she is legally liable and which are not recoverable from any other source consequent upon the cancellation of the Trip necessitated by the unanticipated issuance of an OTA for the destination where the Insured Person has arranged to travel subject to the following benefit scale.
(2)
 In the event, the existence of OTA at the places of travel after binding the insurance cover, the travel insurance shall remain in force until end of the trip provided that the Insured person should exercise a reasonable care to prevent accident. That means the Insured person should avoid going to areas which is being affected at his/her knowledge. Breach of this condition might prejudice his/her rights of recovery under the policy.
(3)
 BOCOM Insurance shall also indemnify the Insured Person for (i) any additional travel fare and/or accommodation expenses; and (ii) any loss of travel fare and/or accommodation expenses forfeited by the Insured Person which are not recoverable from any other source and consequent upon his/her return to Hong Kong, China necessitated by the unanticipated issuance of an OTA for the planned destination after the commencement of a Trip subject to the following benefit table.

Benefit Scale
Outbound Travel Alert Amber Alert Red Alert Black Alert
Maximum Benefit 25% of incurred amount or 25% of Sum Insured, whichever is lesser 50% of incurred amount or 50% of Sum Insured, whichever is lesser 100% of incurred amount or 100% of Sum Insured, whichever is lesser

Provisions
1.
 Single Trip:-
a)
The travel insurance must be purchased at least one day before the OTA is issued.
b)
If OTA for the destination is already issued during or before the issuance of policy, this extension is not applicable.
c)
If OTA for the destination has been in force while the policy is issued, this extension is only applicable when the OTA is raised.
d)
For Trip Cancellation, the travel and accommodation arrangement shall only be cancelled within seven (7) days prior to the departure date while an OTA is still in force.
2.
 Annual Travel:-
a)
The travel fare and/or accommodation expenses of a planned Trip must be settled at least one day before the OTA is issued.
b)
If OTA for the destination is already issued during or before the settlement of travel fare and/or accommodation expenses of a planned Trip, this extension is not applicable.
c)
If OTA for the destination has been in force while the travel fare and/or accommodation expenses of a planned Trip are settled, this extension is only applicable when the OTA is raised.
d)
For Trip Cancellation, the travel and accommodation arrangement shall only be cancelled within seven (7) days prior to the departure date while an OTA is still in force.
3.
 This leaflet is designed to provide a summary and is not a contract of insurance. All benefits and exclusions are only briefly outlined here. For complete details, please refer to the policy for terms and conditions.
4.
 Benefits (2) & (3) above do not applicable to Working Holiday Program.
5.
 It is advised that you should make reference to the OTA (if any) before travelling abroad. You may obtain such information from the official website of Security Bureau easily.http://www.sb.gov.hk/chi/ota/

New Extended COVID-19 Benefit
Starting from 5 December 2022, BOCOM Insurance will provide you with Extended COVID-19 Benefit, please refer to the following coverage:
Extended COVID-19 Benefit
(Benefit limit in the currency of Hong Kong)
Section(s) Scope of Benefits Plan A
(Essential)		 Plan B
(Advance)		 Plan C
(Excellent)
3   Medical Expenses (as a result of confirmed COVID-19 infection ) Sum Insured/Limit per person Sum Insured/Limit per person Sum Insured/Limit per person
  3a Medical Expenses incurred during the trip outside Hong Kong, China as a result of confirmed COVID-19 infection. $500,000.00 $1,200,000.00 $1,500,000.00
3b Follow-Up Medical Treatment within 90 days after return to Hong Kong, China as a result of confirmed COVID-19 infection. (including Chinese bone-setting and acupuncture treatment) $50,000.00
Expenses is deducted from the original total Medical Expenses benefit sum assured.
Sub-limit for Chinese Bone-setting &/or Acupuncture $200 per day & visit $200 per day & visit $250 per day & visit
$1,200 per each policy year $2,000 per each policy year $2,500 per each policy year
3C Overseas Hospital Cash （hospitalized as a result of confirmed COVID-19 infection). $300 per day / $3,000 per trip $400 per day / $4,000 per trip $500 per day / $5,000 per trip
4   CBI Global Emergency Assistance (as a result of confirmed COVID-19 infection ) Sum Insured/Limit per person Sum Insured/Limit per person Sum Insured/Limit per person
  4a Round-the-clock Hotline Service Covered Covered Covered
(i) Travel Information
(ii) Medical Referral Services
(iii) Legal Assistance
4b Medical Evacuation and Repatriation
Provide emergency medical evacuation and repatriation due to serious injury or sickness		 Actual cost. Expenses should be deducted from Section 3a benefit
4c Hospital Admission
Guarantee Guaranteed payment of hospital admission fees		 $25,000.00 $40,000.00 $50,000.00
10   Trip Cancellation (as a result of confirmed COVID-19 infection ) Sum Insured/Limit per person Sum Insured/Limit per person Sum Insured/Limit per person
  10a Reimbursement for travel and/or accommodation expenses paid in advance but irrecoverable from any other source in the event of trip cancellation caused by serious sickness due to confirmed COVID-19 infection and is hospitalized seven (7) days before commencement of the Journey of insured person/immediate family member/travel companion/co-partner Not Covered $30,000.00 $60,000.00
11   Trip Curtailment (as a result of confirmed COVID-19 infection ) Sum Insured/Limit per person Sum Insured/Limit per person Sum Insured/Limit per person
  11a Reimbursement for travel and/or accommodation expenses forfeited and irrecoverable from any other source in event of trip curtailment caused by Serious Sickness due to confirmed COVID-19 infection and is hospitalized of insured person/immediate family member/travel companion/co-partner necessitating the return of an Insured Person to Hong Kong, China Not Covered $30,000.00 $60,000.00
 
PART VII- General Condition in Policy Wording TRIP EXTENSION (APPLY TO SINGLE TRIP ONLY) (as a result of confirmed COVID-19 infection ) In the event the Trip is being unavoidably and uncontrollably delayed since the Insured Person has infected COVID-19, is hospitalized as sustaining Serious Sickness in the course of the trip and required to stay longer than the original policy period, the insurance cover shall be extended until the Insured Person's return to Hong Kong, China subject to a maximum of ten (10) days from original policy expiry date. Extension is free but prior notice must be given to this company with proper evidence submitted .
Remarks
1 Insured person who's aged below 18 or above 74 is only entitled to 50% of original benefit under Section 3.
2 The insured must receive at least three doses of COVID-19 vaccine in accordance with the Hong Kong SAR Government's "Vaccination Pass" before the start of the trip; if a "Certificate of Exemption" is issued due to health reasons, the insured will not receive this benefit. Confirmation of "2019 Coronavirus" requires the submission of PCR nucleic acid test/medical report issued by the government/government-authorized or recognized medical institution as proof. Rapid test results will not be accepted.
3 BOCOM Insurance reserves the right to adjust premium, maximum benefits payable as stated in the limit of indemnity table and/or terms of CBI TRAVELSTAR INSURANCE PLANS. Rates and/or premium and/or any rates of premium discounts or surcharges shall be prescribed from time to time by BOCOM Insurance.
4 Extended COVID-19 Benefit is a free additional or revamped coverage provided by BOCOM Insurance on the basis of the original policy for customer. BOCOM Insurance reserves the right to adjust the extended benefit in response to current situation whereby consent of customer is not required.
5 Part III General Exclusions： (22) Infectious or Contagious Disease Exclusion during a PHEIC and (24) Communicable Disease Exclusions prevails except the Extended COVID-19 Benefit prescribed above.
6 Other sections that are not mentioned in above table remain no cover in respect of COVID-19 and these include:
  Section 1 - Accidental Death and Disablement
Section 2 - Burns Benefit
Section 5 - Personal Baggage
Section 6 - Baggage Delay
Section 7 - Personal Money
Section 8 - Document Loss
Section 9 - Travel Delay & Re-Route
Section12 - Personal Liability
Section 13 - Rental Vehicle Excess
Section 14 - Loss of Credit Card
Section 15 - Quarantine Cash Benefit
7 The sum assured of Section 3(b) of the ”Extended COVID-19 Benefit" is deducted from the original total Medical Expenses benefit sum assured.

APPLICATION PROCEDURE
To apply, please complete and return the proposal form or please contact us for more details.

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