Travel - Student


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:

Benefit Highlights


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.


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.

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:

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:


The Special Features for the Travel Overseas Study:

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.


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.


Special Features:


Hong Kong resident aged between 8 and 32, who plans to study abroad.

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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong