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
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Premium Table
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Table of Benefits
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 - Chinese medicine practitioner, Chinese medicine bone-setting, acupuncture and chiropractic treatments
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
(b) Emergency Medical Evacuation Actual Cost
(c) Repatriation of Mortal Remains Actual Cost
(d) Travelling and Accommodation Expenses One economy class one-way travel ticket and hotel accommodation expenses up to 7,800 (HKD1,950 per day)
(e) 24-hour Telephone Hotline and Referral Services Included
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
(b) Compassionate Visit Two economy class round-trip travel ticket and hotel accommodation expenses up to 50,000
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 5 - Personal Property Cover (a) Personal belongings and household contents Including : 10,000 Not applicable 10,000 - Sub-limit for Per item, pair, set or collection 3,000 Not applicable 3,000 - Sub-limit for Lap-top computer
5,000 Not applicable 5,000 - Sub-limit for Aggregate limit for all cameras, camcorders and their accessories and related equipment
3,000 Not applicable 3,000 - Per item, pair, set or collection in storage facility Not covered Not applicable 2,000 (b) Loss of travel document and/or travel ticket 10,000 5,000 10,000 Section 6 - Liability Cover
(a) Personal liability 2,000,000 1,000,000 2,000,000 (b) Rental vehicle excess 5,000 5,000 5,000 Section 7 - Delay Cover
(a) Travel delay (i) Travel delay allowance (HKD 300 for each and every full 6 hours’ delay) 1,000 1,000 1,500 (ii) Hotel cost due to travel delay (for delay over 6 hours) 1,000 1,000 2,000 (iii) Re-routing cost due to travel delay 5,000 5,000 10,000 (b) Baggage delay allowance (for delay over 6 hours)
500 Not applicable 500 Section 8 - Study Trip Cancellation and Interruption Cover
(a) Cancellation of trip 20,000 20,000 40,000 (b) Interruption of trip 10,000 10,000 20,000 (c) Loss of tuition fee due to study interruption 50,000 50,000 100,000 Section 9 - Zurich Care Protection
(a) Parent annual leave compensation (HKD 500 per day per each parent) Not applicable 2,500 5,000 (b) Missed school cover (HKD 500 per day) Not applicable 5,000 10,000 (c) Education fund Not applicable
100,000 200,000 (d) Overseas hotel cost Not applicable 2,500 5,000 (e) Graduation incentive Not applicable 1,000 2,000 Section 10 - MediExpress China Medical Card Service
Not applicable Not applicable Included -
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