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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
Arrival Date At Hong Kong
Promo Code
Credit Distinction High Distinction
Sum Insured (HK$)
  • Section 1 - Accidental Death and Disablement *
    Death or permanent disablement arising within 12 months of an accident.




  • Section 3 - Medical Expenses

    (Sub-limit as below)

    (Sub-limit as below)

    (Sub-limit as below)

  • Section 9 - Travel Delay


    300/8 Hours
    Max 900

    300/8 Hours
    Max 1,200

  • Section 11 - Study Interruption




  • Section 12 - Starr Scholarship




Product Highlights
  1. Medical expenses up to HK$2,000,000 including in and outpatient treatments (fulfill most institution's requirement)
  2. No sub-limit or restriction on outpatient expenses and number of visits
  3. Prescribed medications or drugs dispensed by pharmacy are included
  4. No co-payment or deductible
  5. Scale 2 is adopted for Accidental Death and Disablement
  6. Maximum up to 365 days' insurance coverage abroad
  7. Extend to cover leisure trips during school breaks
  8. Extend to cover amateur hazardous sports such as hot air ballooning, scuba diving, skiing, etc. and impose no restriction on height or depth
  9. Extend to cover non-manual part-time legal jobs
  10. For students who have departed, enrollment is still acceptable subject to underwriting
  11. Starr scholarship made available
Global Emergency Assistance Services
  1. 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
  1. Pre-existing condition, war, suicide, pregnancy, childbirth, professional sport, mobile phone, tablet computer, excluded countries: Afghanistan and Iraq.
Age Limit
  1. Hong Kong resident aged between 8 and 32, who plans to study abroad.


  1. Applicant must be aged 18 or above.
  2. Insured person must be aged between 8 and 32.
  3. 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.
  4. Written notice (email: of a claim must be given within 30 days after the incident.
  5. Any services under section 4 must be arranged by Starr Global Emergency Assistance.
  6. 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.
  7. Policy effective date must be same as or before the insured person's departure date from Hong Kong.