StudySmart+ Overseas Student Insurance Plan
Comprehensive coverage for students joining exchange program or studying abroad
Apply now with promo code "STUDY30" to enjoy 30% premium discount. Offer ends on Aug 31, 2025. Terms and conditions apply
StudySmart+ Overseas Student Insurance Plan
Flexible protection plans suit different study purpose, durations and coverage requirements.
Full Year Protections
Basic Plan
Offering basic coverage on personal accident, liability, travelling related protection, and more. Benefit highlights are:
- Up to HKD600,000 personal accident protection
- Up to HKD1,000,000 liability protection
- Covering travel delay, study trip cancellation and interruption
- Zurich Emergency Assistance and Zurich Care Protection available
Advanced Plan
Enhanced coverage amount of Basic Plan and additional benefit items on medical cover and personal baggage including overseas household contents are offered. Benefit highlights are:
- Up to HKD1,500,000 medical cover
- Up to HKD1,200,000 personal accident protection
- Up to HKD2,000,000 liability protection
- Covering overseas household contents and personal baggage
- Enhanced coverage (versus Basic Plan) on travel delay, study trip cancellation and interruption
Both Basic Plan and Advanced Plan offer 1-year and 2-year coverage plans.
Short-term Protections
Offers coverage for trip duration up to 6 months on medical cover, personal accident, liability, and travelling related protection, and more. Benefit highlights are:
- Up to HKD1,000,000 medical cover
- Up to HKD1,200,000 personal accident protection
- Up to HKD2,000,000 liability protection
- Covering overseas personal property
- Covering travel delay, study trip cancellation and interruption
- Zurich Emergency Assistance is available
Plan Highlights
| Protection Duration |
Premium (HKD) |
| 2 months | $1,380 |
| 4 months | $2,250 |
| 6 months | $3,800 |
| Maximum Benefits per Insured Person per Insured Journey (HKD) | Maximum Benefits per Insured Person per Policy Year for Full Year Study Plan (HKD) | ||
|---|---|---|---|
| Coverage | Short-term Study Plan | Basic Plan | Advanced Plan |
| Section 1 – Medical Cover | |||
| (a) Medical Expenses including sub-limit of : | 1,000,000 | Not applicable | 1,500,000 |
| Outpatient visits in overseas | 500 / visit / day (Max. 15 visits) | Not applicable | 500 / visit / day (Max. 25 visits) |
| Specialist or physiotherapy expenses in overseas | 1,500 / visit / day (Max. 5 visits) | Not applicable | 1,500 / visit / day (Max. 10 visits) |
| Inpatient medical treatment of psychiatric disorders in overseas | 15,000 | Not applicable | 15,000 |
| Overseas travelling expenses for seeking medical treatment |
1,000 | Not applicable | 1,000 |
|
Follow-up medical expenses in three months after return to Hong Kong, including |
250,000 | Not applicable | 375,000 |
|
3,000 (200 / visit / day) | Not applicable | 3,000 (200 / visit / day) |
| Inpatient medical treatment in Hong Kong during temporary home visit within three months |
Not applicable | Not applicable | 100,000 (50,000 / confinement) |
| (b) Trauma Counselling Benefit | 15,000 (1,500 / visit / day) | Not applicable | 15,000 (1,500 / visit / day) |
| Section 2 – Zurich Emergency Assistance | |||
| (a) Deposit Guarantee for Hospital Admission | 39,000 |
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| (b) Emergency Medical Evacuation | Actual Cost |
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| (c) Repatriation of Mortal Remains | Actual Cost |
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| (d) Travelling and Accommodation Expenses | One economy class one-way travel ticket and hotel accommodation expenses up to 7,800 (HKD1,950 per day) |
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| (e) 24-hour Telephone Hotline and Referral Services | Included |
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| Section 3 – Accident Cover | |||
| (a) Personal Accident | |||
| (i) Accident while Participating School Activities | 1,200,000 | 600,000 | 1,200,000 |
| (ii) Traffic Accident | 1,200,000 | 600,000 | 1,200,000 |
| (iii) Being a victim of a violent criminal act | 1,200,000 | 600,000 | 1,200,000 |
| (iv) Other Accident | 1,000,000 | 500,000 | 1,000,000 |
| (b) Burns Cover | 200,000 | 100,000 | 200,000 |
| Section 4 - Compassionate Death Cash and Visit | |||
| (a) Compassionate Death Cash | 10,000 |
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| (b) Compassionate Visit | Two economy class round-trip travel ticket and hotel accommodation expenses up to 50,000 |
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- “2025 Overseas Student Insurance Premium Discount Promotion” (“Promotion”) is provided by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) (“Zurich”).
- This Promotion is only applicable to selected Insurance Plan: StudySmart+ Overseas Student Insurance Plan (Full Year) and StudySmart+ Overseas Student Insurance Plan (Short Term).
- Customers who apply for the above Insurance Plan(s) through Zurich website or hotline with designated promo codes (“Promo code”) from Jun 2, 2025 to Aug 31, 2025 (both days inclusive) (“Promotion Period”) with the policy successfully issued by Zurich on or before Aug 31, 2025 will be eligible to enjoy 30% discount on the total premium payable.
- Promotion is subject to a limited quota and is available on a first-come-first-served basis.
- If the customer is also entitled to other prevailing promotional offer(s) in respect of the same policy(ies), Zurich reserves the right to provide only one of such offers to the customer, at Zurich’s sole discretion.
- The date and time appearing in the records of Zurich shall be conclusive as to the date and time relevant to the Promotion Period. Zurich shall not be responsible for any interruption, delay, loss, error or unrecognized information in relation to the application process due to technical problems including any computer or network problems.
- Zurich reserves the right to alter or terminate the Promotion (in whole or in part) or amend the Promotion Terms and Conditions at any time without prior notice.
- In case of any disputes of the Promotion, the decision of Zurich shall be final and conclusive.
- The Promotion discount is non-exchangeable for other gifts, non-redeemable for cash, and no change will be given.
- In the event of any inconsistency between the Chinese and English versions of these terms and conditions, the English version shall prevail.