... Travel Insurance IV. Documentation V. Insured Trip VI. Rating and Underwriting VII. Personal Accident Benefits VIII. Medical Expenses IX. Hospital Benefit X. Emergency Services XI. Baggage and Personal Effects XII. Baggage Delay XIII. Personal Money XIV. Loss of Travel Documents XV. Personal Liability...

... Documentation V. Insured Trip VI. Rating and Underwriting VII. Personal Accident Benefits VIII. Medical Expenses IX. Hospital Benefit X. Emergency Services XI. Baggage and Personal Effects XII. Baggage Delay XIII. Personal Money XIV. Loss of Travel Documents XV. Personal Liability XVI. Travel Delay XVII. Loss...

... Features of Travel Insurance IV. Documentation V. Insured Trip VI. Rating and Underwriting VII. Personal Accident Benefits VIII. Medical Expenses IX. Hospital Benefit X. Emergency Services XI. Baggage and Personal Effects XII. Baggage Delay XIII. Personal Money XIV. Loss of Travel Documents XV. Personal...

... medical emergency, will not be considered as being “medically necessary”. To avoid unexpected out-of-pocket expenses, consult your insurer about the coverage and exclusions of your policy before any non-urgent hospitalisation. If you plan to lodge a claim with more than one insurer, ask your attending...

... medical emergency, will not be considered as being “medically necessary”. To avoid unexpected out-of-pocket expenses, consult your insurer about the coverage and exclusions of your policy before any non-urgent hospitalisation. If you plan to lodge a claim with more than one insurer, ask your attending...

... medical emergency, will not be considered as being “medically necessary”. To avoid unexpected out-of-pocket expenses, consult your insurer about the coverage and exclusions of your policy before any non-urgent hospitalisation. If you plan to lodge a claim with more than one insurer, ask your attending...

... complaint to:  Insurance Agents Registration Board (Address: 29/F., Sunshine Plaza, 353 Lockhart Road, Wanchai, Hong Kong; Tel: 2520 1868; Fax: 2520 1967);  The Hong Kong Confederation of Insurance Brokers (Address: Room 3407, AIA Tower, 183 Electric Road, Fortress Hill, Hong Kong; Tel: 2882 9943; Fax...

... with an emergency. 3. Read the policy terms and make sure you understand what after-sales service is available Read the policy terms carefully. If you have any questions about the content, call the insurer’s hotline or contact the online customer service officer...

... necessary” is a common clause in most hospital insurance policies. In general, admission solely for conducting diagnostic or laboratory tests, when there is no element of medical emergency, will not be considered as being “medically necessary”. You should learn more about the “medically...

... commonly found in life insurance products at  no extra cost, such as medical check‐ups, medical consultancy services or emergency  SOS  services;  however,  these  should  not  be  excessive  relative  to  the  amount  of  premium payable for the product.    In providing any of the permitted gifts...