Sun Flower Insurance Brokers Limited (B2C)

SmarTrip Overseas Student Insurance

Annual Plan: The departure and arrival point of the trip must be within the Hong Kong jurisdiction

No. of Insured Person:

Policy effective date must be same as or before the insured person's departure date from Hong Kong

Departure Date From Hong Kong (DD/MM/YYYY):

Arrival Date At Hong Kong (DD/MM/YYYY):

Promo Code

Reference

Credit

Distinction

High Distinction

Coverage

Sum Insured (HK$)

Section 1 - Accidental Death and Disablement *
Death or permanent disablement arising within 12 months of an accident.

300,000

500,000

750,000

(a) Accident while in a Common Carrier

300,000

500,000

750,000

(b) Other Accidents

300,000

500,000

500,000
Section 3 - Medical Expenses

1,000,000
(Sub-limit as below)

1,500,000
(Sub-limit as below)

2,000,000
(Sub-limit as below)

Reimbursement of the actual expenses for treatment of injury and sickness. Prescribed drugs and medications dispensed by pharmacy are included.

1,000,000
(Sub-limit as below)

1,500,000
(Sub-limit as below)

2,000,000
(Sub-limit as below)

Follow-up Medical Treatment Extension (within 90 days after returning to Hong Kong)

200,000

300,000

500,000

• Including Chinese bone-setting and acupuncture treatment expenses

150/Day/Visit
1,500/Policy Year

180/Day/Visit
2,000/Policy Year

200/Day/Visit
2,500/Policy Year
Section 9 - Travel Delay

Nil

300/8 Hours
Max 900

300/8 Hours
Max 1,200

Cash benefit for common carrier delay for more than 8 hours due to strike, riot, civil commotion, hijack, adverse weather or mechanical fault of the Common Carrier.

Nil

300/8 Hours
Max 900

300/8 Hours
Max 1,200
Section 11 - Study Interruption

Nil

Nil

100,000

Reimburse the tuition fees for study interruption due to overseas hospital confinement for 30 days.

Nil

Nil

100,000
Section 12 - Starr Scholarship

Nil

Nil

2,000

Achievement of GPA 4.0 or straight A.

Nil

Nil

2,000

Section 1 - Accidental Death and Disablement *
Death or permanent disablement arising within 12 months of an accident.

300,000

500,000

750,000

(a) Accident while in a common carrier

300,000

500,000

750,000

(b) Other accidents

300,000

500,000

500,000
Section 2 - Burns Benefit **

100,000

100,000

100,000

Second or third degree burns arising within 12 months of an accident

100,000

100,000

100,000
Section 3 - Medical Expenses

1,000,000
(Sub-limit as below)

1,500,000
(Sub-limit as below)

2,000,000
(Sub-limit as below)

Reimbursement of the actual expenses for treatment of injury and sickness. Prescribed drugs and medications dispensed by pharmacy are included.

1,000,000
(Sub-limit as below)

1,500,000
(Sub-limit as below)

2,000,000
(Sub-limit as below)

Follow-up Medical Treatment Extension (within 90 days after returning to Hong Kong)

200,000

300,000

500,000

• Including Chinese bone-setting and acupuncture treatment expenses

150/Day/Visit
1,500/Policy Year

180/Day/Visit
2,000/Policy Year

200/Day/Visit
2,500/Policy Year
Section 4 - Starr Global Emergency Assistance Services

Included

Included

Included

(a) Round-the-clock Hotline Service
24-hour hotline for travel assistance, business concierge and medical assistance.

Included

Included

Included

(b) Emergency Medical Evacuation and Repatriation
Provide emergency medical evacuation and repatriation due to serious injury or sickness.

Unlimited

Unlimited

Unlimited

(c) Hospital Admission Guarantee
Guaranteed payment of hospital admission fees.

40,000

40,000

40,000

(d) Compassionate Visit

(i) Hospitalization of Insured Person (at least 7 days)
Travel and accommodation expenses for one relative or friend subject to HK$1,000 per night up to 7 consecutive nights.

50,000

100,000

200,000

(ii) Death of Insured Person
Travel and accommodation expenses for one immediate family member subject to HK$1,000 per night up to 5 consecutive nights.

50,000

100,000

200,000

(iii) Death of Immediate Family Member
Pay the travel expenses for the insured person's return to take care the necessary arrangement of a deceased immediate family member.

50,000

100,000

200,000

(e) Repatriation of Mortal Remains
Return of remains or ashes to Hong Kong.

Unlimited

Unlimited

Unlimited
Section 5 - Personal Baggage

Nil

10,000

10,000

Pay for loss of or damage to baggage and personal effects.
(This benefit is not applicable to the city where the educational institution is located)

Nil

10,000

10,000

Sub-limit per item/pair/set of articles

Nil

2,000

2,000

Sub-limit for lap-top computer

Nil

5,000

5,000
Section 6 - Baggage Delay

Nil

500

500

Emergency purchase due to baggage delay for more than 8 hours.

Nil

500

500
Section 7 - Personal Money

Nil

2,000

2,000

Loss of cash, signed traveller's cheque or money order due to theft, robbery or burglary. (This benefit is not applicable to the city where the educational institution is located)

Nil

2,000

2,000
Section 8 - Document Loss

Nil

5,000

5,000

Reimburse for the replacement cost of lost travel documents due to theft, robbery or burglary.

Nil

5,000

5,000
Section 9 - Travel Delay

Nil

300/8 Hours
Max 900

300/8 Hours
Max 1,200

Cash benefit for common carrier delay for more than 8 hours due to strike, riot, civil commotion, hijack, adverse weather or mechanical fault of the Common Carrier.

Nil

300/8 Hours
Max 900

300/8 Hours
Max 1,200
Section 10 - Personal Liability

Nil

1,000,000

1,500,000

Indemnify legal liability in respect of accidental bodily injury or property damage to third parties due to negligence.

Nil

1,000,000

1,500,000
Section 11 - Study Interruption

Nil

Nil

100,000

Reimburse the tuition fees for study interruption due to overseas hospital confinement for 30 days.

Nil

Nil

100,000
Section 12 - Starr Scholarship

Nil

Nil

2,000

Achievement of GPA 4.0 or straight A.

Nil

Nil

2,000

Show More Download Product Brochure and Policy Specimen

Product Highlights

Medical expenses up to HK$2,000,000 including in and outpatient treatments (fulfill most institution's requirement)
No sub-limit or restriction on outpatient expenses and number of visits
Prescribed medications or drugs dispensed by pharmacy are included
No co-payment or deductible
Scale 2 is adopted for Accidental Death and Disablement
Maximum up to 365 days' insurance coverage abroad
Extend to cover leisure trips during school breaks
Extend to cover amateur hazardous sports such as hot air ballooning, scuba diving, skiing, etc. and impose no restriction on height or depth
Extend to cover non-manual part-time legal jobs
For students who have departed, enrollment is still acceptable subject to underwriting
Starr scholarship made available

Global Emergency Assistance Services

Starr Global Emergency Assistance Services is supported by Assist Card which is one of the subsidiaries of Starr Companies. Assist Card has more than 400 thousand service providers providing travel assistance services in 197 countries and 17,000 cities around the world.

Major Exclusions

Pre-existing condition, war, suicide, pregnancy, childbirth, professional sport, mobile phone, tablet computer, excluded countries: Afghanistan and Iraq.

Age Limit

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

Remarks

Applicant must be aged 18 or above.
Insured person must be aged between 8 and 32.
For insured person aged between 8 and 14, the sum insured of Accidental Death and Disablement is subject to the maximum of the selected plan or HK$500,000, whichever is lesser.
Written notice (email: Asia.AHclaim@starrcompanies.com) of a claim must be given within 30 days after the incident.
Any services under section 4 must be arranged by Starr Global Emergency Assistance.
This brochure is designed to provide you a summary of the plan and is not a contract of insurance. All benefits and exclusions are only briefly outlined here. For complete details, please refer to the policy for terms and conditions.
Policy effective date must be same as or before the insured person's departure date from Hong Kong.

SmarTrip Overseas Student Insurance

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