*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy

*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy

*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy

*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy

*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy

*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy

There is no age limit for the single trip travel plan, and the annual travel plan accepts applications up to age 75.

In addition to your personal budget, it is important to assess your actual needs for travel protection. For example, if you are applying for the single trip travel plan, the Breezy Travel Prime Plan provides some specific coverages, such as home protection, pet protection, child & elderly protection and missed event protection. The maximum benefits for different benefits are also higher than other plan levels.

Besides, only the Core Plan and Prime Plan of Single Trip Travel Plan allow you to enhance your protections by adding optional benefits for specific travel purposes.

Both “Breezy Travel” single trip travel plan and annual travel plan will provide you with the coverage no matter how many countries you visit during your journey, but you must declare your travel destinations during the application. If you have enrolled for annual travel plan, each trip must depart and return to Hong Kong, and the maximum duration of coverage for each trip is 90 days. It will recalculate if you return to Hong Kong and set off again (immigration procedures is required). If you have enrolled for the single trip travel plan, all trips must depart from and return to Hong Kong, and the maximum duration of coverage is 180 days.

Amateur sports mean you are participating in such sport activities for pleasure or as a hobby rather than for financial benefit or as a job, and you will not receive any payment or monetary prize from such sports activities.

Under “Breezy Travel” basic coverage, it provides coverage for popular tourist activities such as winter sports, hot air ballooning, scuba diving, water skiing, rafting, sailing, parachuting accompanied by professionals, sling jumping and horse riding, etc. If you purchase the Amateur sports optional benefit, it will extend the coverage to the loss when participating in sports activities such as overseas marathons and bike tours.

However, please note that activities such as motor racing, self-driving flights, engaging in a sport in a professional capacity, any activities where you could earn income or remuneration, trekking at an altitude greater than 5,000 meters above sea level, or diving to a depth greater than 40 meters below sea level, activities involve a high level of expertise, exceptional physical exertion, exposure in an extreme environment, or use of specialized gear or equipment, are not covered by the insurance.

If you have an accident in public areas, such as falling in the hotel lobby and damaging the hotel properties, we can compensate you for your actual medical expenses and compensation cost for the damaged hotel items according to the personal liability coverage in Core and Prime Plan.

If you apply for the “Breezy Travel” Core and Prime Plan, your personal devices, such as laptop computer, tablet, camera drones, camcorder and related accessories and equipment will be covered according to the personal belongings sub-limits. However, the maximum benefits under Prime Plan will be higher, and we would extend the coverage to your mobile phone (if you accidentally lost or damaged it in your journey).

Besides, you can enhance the protection limit of electronic devices by adding optional benefits. Under the Short-term overseas study exchange optional benefit, you will get an additional HKD 5,000 coverage for the accidental loss or damage of your laptop and tablet; and from the overseas event optional benefit, you will get an additional HKD 5,000 coverage for accidental loss or damage to cameras, camcorders and related accessories and equipment.

If you have applied for Breezy Travel Single Trip Travel Plan and added on Road trip optional benefit, with motor insurance from the rental company when you rent the vehicle, and there are deductible amounts and non-operating charges provided in the terms and conditions, “Breezy Travel” will cover the related fees. If you are injured in an accident, you can claim the personal accident benefits and medical expenses sections. However, as the rental vehicle was controlled by you during the accident, you will not be covered for any personal liability loss.

¹Not applicable to Breezy Travel Annual Travel Plan and Single Trip Travel Plan – Easy Plan.

²Applicable to Breezy Travel Single Trip and Annual Travel Plan – Prime Plan only.

³The maximum benefit limits shown above are based on the Prime Plan.

⁴Applicable to Breezy Travel Single Trip – Prime Plan only.

1. The insurance is not applicable to person holding the People’s Republic of China passport and travels to/within China, unless he/she has an official document issued by the overseas Government (other than China) as proof that he/she a legal resident of the respective country but travelling with a passport of the People’s Republic of China.
2. For annual travel plan: all trips must depart from and return to Hong Kong. Each insured journey should not exceed 90 days. It covers up to the age of 75 with unlimited trips throughout the year, renewal is allowed up to the age of 80.
3. For single trip travel plan: all trips must depart from and return to Hong Kong, and the insured journey shall not exceed 180 days.
4. For one-way single trip travel plan: all trips must depart from Hong Kong, the insured journey shall cease after your check out from the immigration counter upon arrival in the first destination from Hong Kong.
5. No refund of premium is allowed once the policy is issued for single trip travel plan.
6. The insured should provide any valid important documents or other documentation such as vaccine certificates, medical tests/documents required by the public common carrier or relevant government authority which are needed to travel.

Extra coverage limit on travel delay allowance of Breezy Travel Insurance Plan exclusively for Hutchison Telecom customers

1. The extra coverage limit on travel delay allowance (offer) of Breezy Travel Insurance Plan is brought to you directly by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) (“Zurich”). Hutchison Telephone Company Limited(“HTCL”) does not participate in the provision or arrangement of the above-mentioned insurance product. If you have any questions about the insurance product, please contact Zurich directly.
2. From now to December 31, 2025 (both days inclusive), customers who enroll Zurich’s Breezy Travel Insurance Plan via Zurich’s designated website, with policy successfully issued by Zurich and effective on or before January 15, 2026 can enjoy the extra coverage limit up to HKD 1,800 & HKD 1,400 under Travel delay allowance^# automatically. No promo code is needed.
3. This Offer is applicable to 3HK, 3SUPREME, MO, MO+ & SoSIM customers.
4. Zurich reserves the right to alter or terminate this Offer (in whole or in part) or amend these terms and conditions at any time without prior notice.
5. In case of any disputes arising from this Offer, the decision of Zurich shall be final and conclusive.
6. In case of any inconsistency between the English and Chinese of these terms and conditions, the English version shall prevail.
7. The policy is underwritten by Zurich Insurance Company Ltd, a company incorporated with limited liability in Switzerland (“Zurich”). The policy is either arranged by Zurich or by Domain Five Enterprises Limited (“Domain5”), as the case may be. Domain5 is a licensed insurance intermediary under the Insurance Ordinance (License No. FA2643) and a related company of Hutchison Telephone Company Limited (trading as 3HK, 3SUPREME, MO, MO+ and SoSIM) (“HTCL”). HTCL is not a licensed insurance intermediary and does not provide any advice in relation to the insurance policy arranged by Zurich or by Domain5, as the case may be. Any references to HTCL does not constitute HTCL carrying on “regulated activities” as defined in the Insurance Ordinance and HTCL is not acting in the capacity of a licensed insurance intermediary.
8. All matters and disputes are subject to the final decision of Zurich.

#Applicable to Breezy Travel Single Trip and Annual Travel Plan – Core and Prime Plan only. The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency.

Breezy Travel Insurance Plan limited time premium discount offer exclusively for Hutchison Telecom customers

1. 20% off discount of Zurich’s Breezy Travel Insurance Plan (Single Trip) and 20% off 1st year discount of Breezy Travel Insurance Annual Plan for Hutchison Telephone Company Limited(“HTCL”) customers (“Offer”) is brought to you directly by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) (“Zurich”). HTCL does not participate in the provision or arrangement of discount offers or the above-mentioned insurance products. If you have any questions about discount offers or insurance products, please contact Zurich directly.
2. This Offer is applicable to customers who enroll the Plan via Zurich’s designated website with the promo code from now to January 1, 2026 (both days inclusive), with policy successfully issued by Zurich and effective on or before January 1, 2026.
3. This Offer is applicable to 3HK, 3SUPREME, MO, MO+ and SoSIM customers.
4. The promo code must be keyed in when applying Zurich’s designated plan at the designated website to entitle the offer.
5. Zurich will not accept any liability should a customer fail to input the promo code when conducting relevant transactions and that it results in forfeiture of the customer eligibility to the offer.
6. If the policies issued are subsequently cancelled for whatever reasons, only the actual premium paid will be refunded to the customers on a pro-rata basis.
7. The Offer is not applicable to the renewal of any existing policies of the Plan.
8. The customers whose application or policy for the Plan has been withdrawn or cancelled within three months before the Promotion Period will not be entitled to the Promotion.
9. The date appearing in the records of Zurich will be conclusive as to the date on which the relevant application or policy was submitted, issued, withdrawn or cancelled.
10. Zurich reserves the right to alter or terminate this Offer (in whole or in part) or amend these terms and conditions at any time without prior notice.
11. In case of any disputes arising from this Offer, the decision of Zurich shall be final and conclusive.
12. In case of any inconsistency between the English and Chinese of these terms and conditions, the English version shall prevail.
13. Only one code can be used for each application for the Plan.
14. The policy is underwritten by Zurich Insurance Company Ltd, a company incorporated with limited liability in Switzerland (“Zurich”). The policy is either arranged by Zurich or by Domain Five Enterprises Limited (“Domain5”), as the case may be. Domain5 is a licensed insurance intermediary under the Insurance Ordinance (License No. FA2643) and a related company of Hutchison Telephone Company Limited (trading as 3HK, 3SUPREME, MO, MO+ and SoSIM) (“HTCL”). HTCL is not a licensed insurance intermediary and does not provide any advice in relation to the insurance policy arranged by Zurich or by Domain5, as the case may be. Any references to HTCL does not constitute HTCL carrying on “regulated activities” as defined in the Insurance Ordinance and HTCL is not acting in the capacity of a licensed insurance intermediary.
15. This coupon cannot be used in conjunction with other gift voucher, cash coupon, promotions price, membership offers or other offers.
16. Zurich bear no responsibility and shall not pay any compensation for any loss resulting from expiration of promo code.
17. All matters and disputes are subject to the final decision of Zurich.

Zurich Breezy Travel – 3HK or 3SUPREME Monthly Fee Rebate Reward (“Campaign”) Terms and conditions

1. The Campaign is organized by Zurich Insurance Company Ltd, a company incorporated with limited liability in Switzerland ("Zurich") and valid from 25 November 2025 to 1 January 2026 (both dates inclusive) (“Campaign Period”).
2. Within the Campaign Period, 3HK or 3SUPREME monthly fee rebate (“Gift”) will be offered to customers who enrolled as policyholders successfully under Zurich Breezy Travel Insurance Plan (Annual Travel) (“Eligible Policy”) within the Campaign Period and fulfill the eligibility criteria in clause 4 below (“Eligibility Criteria”). The Gift is offered by Zurich.
3. The policy is underwritten by Zurich Insurance Company Ltd, a company incorporated with limited liability in Switzerland (“Zurich”). The policy is either arranged by Zurich or by Domain Five Enterprises Limited (“Domain5”), as the case may be. Domain5 is a licensed insurance intermediary under the Insurance Ordinance (License No. FA2643) and a related company of Hutchison Telephone Company Limited (trading as 3HK, 3SUPREME, MO, MO+ and SoSIM) (“HTCL”). HTCL is not a licensed insurance intermediary and does not provide any advice in relation to the insurance policy arranged by Zurich or by Domain5, as the case may be. Any references to HTCL does not constitute HTCL carrying on “regulated activities” as defined in the Insurance Ordinance and HTCL is not acting in the capacity of a licensed insurance intermediary.
4. To enjoy the Campaign Offer, customers are required to meet the following Eligible Criteria:
   1. have successfully purchased the Zurich Breezy Travel Insurance Plan (Annual Travel) with designated promo code through the Zurich dedicated website and the insurance policy is successfully issued during the Campaign Period
   2. the mobile number provided during enrollment must be the valid 3HK or 3SUPREME mobile number (not applicable to secondary SIM of Multi-SIM Monthly Plan and Prepaid SIM card accounts)
   3. the purchase of the following annual travel plan will entitle the customer to enjoy a 3HK or 3SUPREME monthly fee rebate:
      • HKD200 3HK or 3SUPREME monthly fee rebate upon purchase on Easy Plan
      • HKD500 3HK or 3SUPREME monthly fee rebate upon purchase on Core Plan. The rebate will be credited into the customer’s mobile number service account in 2 billing months (monthly HK$250 rebate).
      • HKD1,000 3HK or 3SUPREME monthly fee rebate upon purchase on Prime Plan. The rebate will be credited into the customer’s mobile number service account in 5 billing months (monthly HK$200 rebate).
5. After verification of eligibility by Zurich and Hutchison, the 3HK or 3SUPREME monthly fee rebate will commence crediting to your 3HK or 3SUPREME mobile number service account by Hutchison within 90 day working days after the end of the Campaign. Please ensure that the mobile number submitted is accurate and valid for the 3HK or 3SUPREME platform. (Monthly fee rebate is not applicable to secondary SIM of Multi-SIM Monthly Plan and Prepaid SIM card accounts). When depositing the rebate, the phone number must still be using 3HK or 3SUPREME service, otherwise the rebate will be cancelled. The rebate will be applied to offset monthly service fees and is non-refundable, and no change will be given either in cash/ product, or in any other form.
6. In the event Zurich subsequently discovers that the Eligible Policy has been cancelled for whatever reason, Zurich and Hutchison reserve the right to disqualify the Gift without notice or demand repayment of the value of the Gift. If the Gift is not received by customer because the customer's mobile number provided is incorrect (except for any fault of Zurich or Hutchison), Zurich and Hutchison will not reissue the Gift and Campaign Offer.
7. Except for discount offers, the Campaign Offer cannot be used in conjunction with other promotion offers.
8. Zurich reserves the right to refuse or disqualify any person who in Zurich’s reasonable opinion has breached any of these terms and conditions. Zurich reserves the right of final decision for any person’s entitlement to the Campaign Offer.
9. The Campaign Offer is not exchangeable, transferable, returnable, or redeemable for cash or other goods.
10. Zurich reserves the right to replace the Campaign Offer with a different offer and the value of any such replacement may be different from the value of the Campaign Offer.
11. The usage of the Gift is subject to terms and conditions imposed by the suppliers (i.e. Hutchison). The gift is offered by Zurich. However, Zurich is not the supplier of the Gift and Zurich:
    1. makes no representations and warranties of any kind, either express or implied, by fact or in law in relation to the quality or suitability of the Gift (and any goods exchanged with the Gift), and service provided by the Supplier of the Gift;
    2. is not responsible for any acts and/or omissions of the supplier of the Gift, its employees, agents, servants or representatives; and
    3. will, to the extent permitted by law, accept no responsibility or liability under tort (including negligence), breach of contract or otherwise, for death or personal injury, loss, damage, costs or expenses howsoever occasioned, sustained or suffered, as a result of or in connection with the use of the Gift.
12. Any additional cost incurred in connection with the redemption and the use of the Gift shall be borne by the customer(s).
13. The redemption and the use of the Gift are subject to the terms and conditions imposed by the supplier of the Gift.
14. By participating in this Campaign, you hereby agree, understand, accept the terms and conditions of this Campaign Offer. Zurich reserves the right to cancel or terminate this Campaign Offer (in whole or in part) or amend these terms and conditions at any time without prior notice.
15. In case of any dispute, the decision of Zurich shall be final and conclusive on all matters related to the Campaign Offer.
16. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions, the English version shall prevail.