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HappyTrip Insurance Plan
More coverage, more at ease
“HappyTrip” - your No.1 choice for
business trip and travelling
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Scope of Coverage
| Scope of Coverage |
Maximum Benefit (MOP) |
| Plan 1 |
Plan 2 |
Personal Accident
 Death
Permanent disablement
Maximum benefit of MOP100,000 for
insured aged under 16 or over 65 |
600,000 |
1,200,000 |
Medical Expenses
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Overseas hospitalization, surgery, ambulance
and paramedic services, diagnostic tests,
consultation and prescribed medicines |
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Follow-up medical expenses within 60 days of
returning to Macau (including bonesetter expenses) |
Maximum benefit of MOP100,000 for
insured aged under 2 or over 65
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500,000 |
1,000,000 |
| Hospital Cash Allowance |
5,000 |
8,000 |
| Cancellation of Journey |
30,000 |
50,000 |
| Curtailment of Journey |
30,000 |
50,000 |
| Loss, Physical Breakage or Damage to Baggage & Personal Effects Directly Arising from Theft or Robbery |
15,000 |
30,000 |
| Loss of Money and Travel Documents Directly Arising from Theft or Robbery |
3,000 |
6,000 |
| Loss of Home Contents |
10,000 |
20,000 |
| Travel Delay |
3,000 |
5,000 |
| Baggage Delay |
2,000 |
3,000 |
| Personal Liability |
500,000 |
1,000,000 |
24-Hour Emergency Services
24-Hour emergency hotline
Medical evacuation
Hospital deposit guarantee
Compassionate visit
Repatriation after treatment
Repatriation of mortal remains/ashes
Return of unattended children
Travel information, support & referral |
Applicable |
Applicable |
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Basic Premium (MOP)
| Day |
Asia |
Worldwide |
| Plan 1 |
Plan 2 |
Plan 1 |
Plan 2 |
| 1 |
79 |
119 |
126 |
171 |
| 2 |
108 |
162 |
172 |
231 |
| 3 |
130 |
196 |
207 |
280 |
| 4 |
149 |
224 |
238 |
321 |
| 5 |
164 |
248 |
263 |
354 |
| 6 |
177 |
267 |
283 |
382 |
| 7 |
188 |
285 |
302 |
407 |
| 8 |
199 |
301 |
319 |
430 |
| 9 |
208 |
315 |
333 |
450 |
| 10 |
216 |
327 |
345 |
466 |
| 11 |
222 |
336 |
355 |
480 |
| 12 |
227 |
345 |
364 |
492 |
| 13 |
231 |
351 |
370 |
500 |
| 14 |
236 |
357 |
376 |
509 |
| 15 |
240 |
364 |
383 |
517 |
| 16 |
244 |
370 |
389 |
525 |
| 17 |
248 |
376 |
395 |
534 |
| 18 |
252 |
383 |
402 |
542 |
| 19 |
257 |
389 |
408 |
551 |
| 20 |
261 |
395 |
414 |
559 |
| 21 |
265 |
402 |
420 |
567 |
| 22 |
269 |
408 |
427 |
576 |
| 23 |
273 |
414 |
433 |
584 |
| 24 |
278 |
420 |
439 |
593 |
| 25 |
282 |
427 |
446 |
601 |
| 26 |
286 |
433 |
452 |
609 |
| 27 |
290 |
439 |
458 |
618 |
| 28 |
294 |
446 |
465 |
626 |
| 29 |
299 |
452 |
471 |
635 |
| 30 |
303 |
458 |
477 |
643 |
| 31 |
307 |
465 |
483 |
651 |
| Each extra day |
5 |
7 |
7 |
9 |
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Special Plans and Discounts
| Happy Family Plans |
| Couple Plan (Insured couple) : |
Basic Premium x 1.9 |
| Parent Plan (Insured & children under 16) : |
Basic Premium x 1.6 |
| Family Plan (Insured couple & children under 16) : |
Basic Premium x 2.5 |
| Group Discounts (not applicable in conjunction with other discounts) |
| 10 policies or more: |
15% off |
| 20 policies or more: |
25% off |
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Period, Age and Geographical Zones
Maximum Period of Insurance
90 consecutive days
Automatic Extension in Case of Travel Delay
10 days (no extra charge)
Automatic Acceptance Age
6 months – 75 years old
(Applicants above 75 years old are subject to underwriting acceptance)
Geographical Zones
| Asia: |
Bangladesh, Bhutan, Brunei, Cambodia, China, Guam, Hong Kong, India, Indonesia, Japan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Timor and Vietnam |
| Worldwide: |
All countries in the world |
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Major Exclusions
| 1. |
Pre-existing, congenital or hereditary conditions; |
| 2. |
Suicide, attempted suicide or self-inflicted injuries; |
| 3. |
Willful, malicious, criminal or unlawful acts; |
| 4. |
Psychiatric, psychological disorder or insanity; |
| 5. |
Pregnancy, abortion, miscarriage or childbirth; |
| 6. |
HIV related illness (including AIDS and/or any mutant derivative or variation); |
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Involvement in dangerous assignments, projects or work; |
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Involvement in professional or dangerous sports, competitions or air travel; |
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War, invasion, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, revolution, insurrection or civil commotion; |
| 10. |
Nuclear reactions, radiations or contaminations; |
| 11. |
Chemical or biological substances not used for peaceful means; |
| 12. |
Claims for persons who are emigrants or non-Macau residents except the holders of valid Macau work permit at the time of accident, loss or damage. |
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Communicable Disease Exclusion |
For detailed terms and conditions, please refer to the policy.
This service/product is not targeted at customers in the EU. |
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