Travel - Student
ACE
When preparing an overseas study life for your children, a comprehensive protection plan is also an essential. ACE Overseas Student Protection helps to provide financial protection against ill-health and accident, but also against damage to property, personal liability and other unexpected losses during the study trip.
Student must be:
- Hong Kong resident
- Age 10 – 30 years old
- Full time student of an overseas institution
- Policy effective date must be on or before the date the student departs for the study trip
Benefit Highlights
- Provides 24-hour worldwide emergency assistance service.
- Up to HK$1,000,000 medical expenses cover for confinement or outpatient treatment.
- Medical expenses extended to cover up to 3 months follow-up medical expenses upon return to Hong Kong.
- Leisure activities covered during the journey including skiing, scuba diving, rafting, parachuting and all water sports.
- Zero excess on all benefits.
- Special “Trauma Counseling” cover.
AIG
The Overseas Student Protection Insurance provides complete coverage for students studying overseas, so you can focus on their learning experience rather worrying about the unexpected. With comprehensive cover for medical expenses, hospital visits and tuition fees, Overseas Student Protection gives you peace of mind and the confidence to pursue your educational aspirations.
Tuition Fee reimbursement for study interruption
They will reimburse the non-refundable portion of your tuition fees which were paid in advance, in the event of study interruption due to death or Terminal Sickness of the Insured Person or death of an immediate family member.
Education Fund
They will pay unpaid Tuition Fees in the event of accidental death or Permanent Total Disablement of the parent(s) or legal guardian(s) or you.
24/7 travel emergency services support
They provide you with access to a 24-hour efficient emergency service to assist you in the event of an emergency or if you require professional medical advice.
Help for medical expenses
Their coverage eases the financial burden of unexpected medical costs, which can be significant. They cover your medical expenses up to US$100,000 if you are injured overseas in an accident or suffer illness overseas during the insured period.
Two-way hospital visits
If you need to stay in a hospital, they will reimburse the accommodation and travel ticket for 1 immediate family member (adult). They also reimburse you for the costs of your temporary return to Hong Kong due to an immediate family member's death.
Cover for personal belongings
They will pay for loss of or damage to your baggage, clothing and personal belongings when you are outside Hong Kong or away from the educational institution city in which you are studying.
FWD
You can enroll for the protection as Overseas StudyCare Insurance covers until age 65, from medical expenses to worldwide emergency services, personal accidents, major burns, personal liability, cancellation and shortening of the trip, and education fund payments if something happens to the parents. Focus on the experience of learning, both inside the classroom and out.
- Comprehensive medical care - The plan provides up to HK$1 million medical and follow-up expenses for qualified treatment and hospitalisation, with an option to top up in-patient medical costs up to HK$2 million or twice your existing cover.
- Education fund - In the event of death of the insured person’s parents, we will cover the unpaid tuition fee to support the study plan.
- Compassionate support - In the unlikely event of kidnapping, we will cover the cost of a compassionate visit and provide a compassionate death benefit.
- Be adventurous - We encourage you to experience during your study, so leisure and amateur sports activities including winter sports, bungee jumping, hiking, rock climbing, horse riding, scuba diving, and other water sports are all covered.
- Terrorism coverage - This plan also covers personal accident and medical related claims caused by an act of terrorism.
International Student Insurance
The Atlas Travel plan provides International Travel Medical Insurance coverage for those who are traveling, studying or living abroad around the world, outside of your home country. It offers core travel insurance benefits, with coverage from as little as 5 days. The plan is ideal for anyone, as long as you are outside your home country, but especially for:
- Students needing travel insurance coverage,
- Dependents who are not covered by their spouses plan,
- or anyone that is looking for an affordable travel medical insurance plan.
The benefits offered on the Atlas Travel plan provide a range of high quality travel insurance benefits that are designed to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.
Highlights of the plan include:
- Up to $1 Million in Coverage
- Hospitalization/ Doctors Visits
- Prescription Medication
- Evacuation/ Repatriation
- Skiing / Snowboarding Included
- Lost Luggage
- Trip Interruption
- Online Instant Application
- Plan Management Online
Prudential
The Special Features for the Travel Overseas Study:
- All coverages are excess-free.
- No Claim Discount up to 20% upon renewal.
- Any trips taken place during the period of study at an Overseas Educational Institution outside Hong Kong including leisure trips are covered.
- Provide Medical Expenses with protection up to HK$1,200,000 on optional plan basis, so that Insured Person could choose suitable protection flexibly according to the country of overseas study.
- Indemnify for the accommodation and transportation expenses of the Insured Person’s Immediate Family Member or Guardian in Hong Kong travelling to visit the Insured Person as a result of hospital confinement of the Insured Person for more than 2 consecutive days or death of the Insured Person outside Hong Kong or his/her roommate(s) in the city of the Overseas Educational Institution.
- An extra HK$600 will be provided in the event of travel delay for the first full 24 hours.
- Kidnapping and terrorist attacks are covered.
No Claim Discount
If no claim is being made, reported or arising during the preceding policy year, you will enjoy 10% no claim discount at subsequent renewal. If you have no claim record for two consecutive policy years, we will offer a maximum of 20% no claim discount at your subsequent renewal.
HCC
The StudentSecure international student health insurance plan provides comprehensive medical coverage for full-time students or full-time scholars studying outside of their home country.
With four levels of coverage to choose from, you can almost certainly find what you need at a price you can afford. Plus, all of the international plans come with their worldwide provider network offering their members even more opportunities to save on out-of-pocket expenses.
| Summary | Elite | Select | Budget | Smart |
|---|---|---|---|---|
| Maximum medical benefit | $500,000 | $300,000 | $250,000 | $200,000 |
| Coinsurance | Following the deductible, 100% coverage within the PPO network and outside the U.S.; 80% coverage outside the PPO network. | Following the deductible, 80% coverage up to $5,000, then 100% coverage to the maximum medical benefit. | Following the deductible, 80% coverage up to $25,000, then 100% coverage to the maximum medical benefit. | Following the deductible, 80% coverage to the maximum medical benefit. |
| Meets student visa requirements for J-1 visa | Yes | Yes | Yes | Yes |
| Savings for paying full premium in advance | Yes | Yes | Yes | Yes |
| Pre-existing condition coverage | Yes, after 6 months | Yes, after 6 months | Yes, after 12 months | Only for the acute onset of a pre-existing condition |
| College sports covered | Yes, $5,000 per injury | Yes, $5,000 per injury | Yes, $3,000 per injury | No coverage |
| Maternity and newborn care covered | Yes (80% inside PPO, 60% outside PPO) | Yes (80% inside PPO, 60% outside PPO) | Yes (80% inside PPO, 60% outside PPO up to $5,000 maximum) | No |
| Emergency medical evacuation coverage | Yes | Yes | Yes | Yes |
Additional Services
Our StudentSecure plans also come with our full line of travel assistance services, available 24/7. To access these services or to address any questions or needs regarding your policy, simply contact our World Service Center. They are available 365 days a year and can support multiple languages.
Starr
Special Features:
- Medical expenses up to HK$2,000,000 including in and outpatient treatments (fulfill most institution’s requirement)
- No sub-limit or restriction on outpatient expenses and number of visits
- Prescribed medications or drugs dispensed by pharmacy are included
- No co-payment or deductible
- Scale 2 is adopted for Accidental Death and Disablement 6. Maximum up to 365 days’ insurance coverage abroad
- Extend to cover leisure trips during school breaks
- Extend to cover amateur hazardous sports such as hot air ballooning, scuba diving, skiing, etc. and impose no restriction on height or depth
- Extend to cover non-manual part-time legal jobs
- For students who have departed, enrollment is still acceptable subject to underwriting
- Starr scholarship made available
Eligibility:
Hong Kong resident aged between 8 and 32, who plans to study abroad.
