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Travel  

HappyTrip Insurance Plan

Scope of Coverage
Basic Premium
Special Plans and Discounts
Period, Age and Geographical Zones
Major Exclusions

More coverage, more at ease

  “HappyTrip” - your No.1 choice for

      business trip and travelling

Online Application

 

Scope of Coverage

Scope of Coverage Maximum Benefit (MOP)
Plan 1 Plan 2
Personal Accident
Death
Permanent disablement
Maximum benefit of MOP100,000 for
insured aged under 16 or over 65
600,000 1,200,000
Medical Expenses
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
500,000 1,000,000
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
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
Applicable Applicable
 
 

Basic Premium (MOP)

Day Asia Worldwide
 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
 
 

Special Plans and Discounts

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
 
 

Period, Age and Geographical Zones

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
 
 

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.
This service/product is not targeted at customers in the EU.