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Important Notice Special arrangements of Travel Insurance regarding novel coronavirus |
Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) |
Last update: 7 December 2020 Special arrangements regarding COVID-19 for customers who have purchased Zurich Travel Insurance Plan on or before January 22, 2020. *Please note that the following special arrangements regarding COVID-19 are not applicable to customers who have purchased Zurich travel insurance plan on or after January 23, 2020, although COVID-19 has been regarded as “known events and conditions”, only claims related to the travel interruption is not covered, the other coverages in the policy terms and conditions remain unchanged. 1. If I have purchased Zurich annual travel insurance plan, is the claim arrangement the same as single trip travel plan? If you have purchased annual travel insurance plan, we will distinguish by the payment date of your plane ticket or travel tour, therefore: If the payment date of your plane ticket or travel tour is on or before January 22, 2020, the coverage of the annual travel insurance will be same as the single trip travel insurance plan purchased on or before January 22, 2020. If the payment date of your plan ticket or travel tour is on or after January 23, 2020, the outbreak of COVID-19 will be regarded as “known events and conditions”. Any claims related to the travel interruption is not covered, and other coverages will remain unchanged. The coverage of the annual travel insurance plan will be same as the single trip travel insurance plan purchased on or after January 23, 2020. 2. If I want to cancel or rearrange my travel plan due to COVID-19, can I make a claim for my loss? We will reimburse the relevant cost if you have to cancel or rearrange the trip due to: - You have to cancel the trip if you, your immediate family member, domestic partner, or travel companion having contracted COVID-19 and being confined in a hospital before the departure date; or you are required for compulsory quarantine in Hong Kong before the departure date. - We will cover prepaid and unused expenses or the additional travel and accommodation expenses if you, your immediate family member, domestic partner, or travel companion has contracted COVID-19 and is confined in a hospital after your trip has begun, and you have to abandon the journey and return to Hong Kong. However, if you make personal decision to cancel or rearrange your trip, the claim would be outside policy coverage. For example, if you are worried about the current situation and would like to cancel a trip to Japan departing tomorrow, the resulting loss would not be covered by travel insurance. 3. If the government authority of the destination rejected my entry or put me in compulsory quarantine after I entered, can I submit a claim for trip cancellation or rearrangement? If you have purchased the Supreme Plan of Get “Z” Go Travel insurance plan on or before January 22, 2020, you can claim for your loss according to the Journey Inconvenience Cover of your insurance policy. If you have purchased other Zurich travel insurance plan on or before January 22, 2020 (e.g. any plan of Travel+, Get “Z” Go Elite Plan or Breezy Plan etc.), the above situation is not covered in the policy and therefore we apologize that we cannot provide you relevant protections. If you have purchased Zurich travel insurance plan on or after January 23, 2020, we apologize that the outbreak of COVID-19 will be regarded as “known events and conditions” and cannot provide you with relevant protections. 4. Recently, some countries or regions have suddenly suspended flights to and from Hong Kong, and some Hong Kong tourists were forced to stay there. Can I claim for the loss if the same happens? In general, the airline will arrange flights to return to Hong Kong through other countries or regions, if you need to pay for any additional transportation cost, the coverage is as follow: If you have purchased the Supreme Plan of Get “Z” Go Travel insurance plan on or before January 22, 2020, you can claim for your loss according to the Journey Inconvenience Cover of your insurance policy. If you have purchased other Zurich travel insurance plan on or before January 22, 2020 (e.g. any plan of Travel+, Get “Z” Go Elite Plan or Breezy Plan etc.), the above situation is not covered in the policy and therefore we apologize that we cannot provide you relevant protections. If you have purchased Zurich travel insurance plan on or after January 23, 2020, we apologize that the outbreak of COVID-19 will be regarded as “known events and conditions” and cannot provide you relevant protections. If you make personal decision to cancel or rearrange your trip, the claim would be outside policy coverage. 5. If me or my travel companion unfortunately suffers from serious illness (such as being diagnosed or suspected of being infected with pneumonia and needs to be confined in hospital) before travelling, can I claim for “Cancellation of Trip”? Yes, if your immediate family member, domestic partner, travel accompanied or yourself suffers from serious illness within 90 days before departure, you can claim for Cancellation of Trip according to your policy terms and conditions. However, please be reminded that “serious illness” need to be certified by medical practitioner as being unfit to travel and having to be confined in a hospital. 6. If I am at overseas now, and I am forced to stay there because of the closure of airport, can I be protected? In the above circumstances, we will extend the insurance period of your policy until you return to Hong Kong with maximum 10 days without additional charges. In addition, you can make a claim if “airport closure” is an insured peril under Travel Delay section of your insurance policy, such as Delay Cover of Get “Z” Go Travel Insurance Plan, Section 5 (a). 7. If I have contracted COVID-19 during my journey, can I submit a claim for my related medical expenses? You can submit a claim based on the Medical Cover of the policy, we will cover you for medical expenses during your trip and for follow-up medical expenses within 90 days after returning to Hong Kong according to the terms and conditions of the policy. 8. If I feel unwell after returning to Hong Kong and I have been diagnosed with COVID-19, can I make a claim? If you are diagnosed with COVID-19 in which was contracted during your insured journey within 10 days after your return to Hong Kong, your follow-up medical expenses within 90 days after returning to Hong Kong can be claimed according to the limits of your plan. 9. If I am diagnosed with COVID-19 overseas, will Zurich assist me to return to Hong Kong for treatment? You can call Zurich 24-hour Emergency Assistance Hotline at +852 2886 3977 for assistance. After medical evaluation, if it is possible to return to Hong Kong for treatment, we will arrange the most suitable medical delivery method. The 90 days follow-up medical expenses fee after returning to Hong Kong will also be covered. 10. What can I do if I have been diagnosed with COVID-19 overseas, but I do not have enough cash to pay the hospital deposit? You can call Zurich 24-hour Emergency Assistance Hotline at +852 2886 3977 for assistance and we can offer you with a hospital deposit. *The above arrangements are only for reference and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency. The English version shall prevail in case of inconsistency between the English and Chinese versions. Zurich Insurance Company Ltd reserves the right of final approval and decision. |
FWD Insurance |
Special Arrangements for FWD Travel InsuranceThe announcement of this special arrangement is based on the latest update information.The information will also be updated from time to time according to the development of Coronavirus Disease 2019 (COVID-19) in order to provide customers with more suitable arrangements. |