Breezy Travel Insurance Plan
Exclusively for Hutchison customers
With promo code "TRAVEL20OFF" successfully applied, you can enjoy:
- 20% off Premium
- Exclusive Extra coverage on Travel delay*
Promotion valid until March 29, 2025. Terms and conditions apply.
We offer personalized insurance options that take care of your needs and budget, so you can embark on your journey with extra peace of mind. Apply and choose from our three plan levels with six types of optional benefits1 for your different travel purposes!
Why should you choose Breezy Travel?
| Prime Plan Most Popular |
Core Plan |
Easy Plan |
|
|---|---|---|---|
|
Section 1 Medical and Accident Cover |
1,500,000 | 800,000 | 500,000 |
|
Section 3 Personal Property Cover |
25,000 | 15,000 | |
| •all camera drones, cameras and camcorders and related accessories and equipment | 5,000 | 3,000 | |
| •lap-top computer and tablet computer | 5,000 | 3,000 | |
|
•mobile phone (one per insured journey) |
2,500 | ||
|
Section 4 Journey Inconvenience and Delay Cover |
50,000 | 25,000 | |
|
•Travel delay allowance (cover is not limited to specify event)* |
1,800 | 1,400 | |
| Six optional benefits1 |
Please refer to benefit table for full range of protection that Breezy Travel provides.
Should I enroll for Single Trip Plan or Annual Travel Plan?
Single Travel
Suitable for:
Occasional travelers; or
Single trips of longer than 90 days; or
Special travel needs: optional coverage to meet your special needs
Self-driving Tours Overseas Activities Amateur Sports Cruise Travel Short-term Overseas Studies Pre-wedding Photo Trip and Overseas Wedding Cover
Maximum coverage period per trip: 180 days
Number of trip covered: One
Annual Travel
Suitable for: Individuals who expect to take multiple trips within a year and want to save the hassle of enrolling separately for each trip
Maximum coverage period per trip: 90 days
Number of trip covered: All trips within the coverage period
If you are renting a car for a self-drive holiday, you can purchase the following optional benefits:
- Additional HKD 200,000 personal accident protection
- Up to HKD 15,000 rental vehicle excess coverage
- Cover for your emergency roadside assistance cost, towing fees and administration fees for processing the damage claims
- Cover for the relocation cost charged by the car rental company if you are unable to return the rental vehicle to the designated place stated on the rental agreement due to interruption of the trip
We want to make your trip as hassle-free as possible
Pre-trip
- Offer up to HKD 1,500,0004 personal accident coverage within three hours of your original departure time when you are heading to the airport
- Travel delay allowance covers air traffic control, operation reason, etc. If the flight departure is delayed more than five hours, Up to HKD 1,8004 travel delay allowance2 for a delay over 5 hours
- Provide up to HKD 50,0004 trip cancellation coverage2
During the trip
- Provide up to HKD 1,500,0004 medical coverage including Chinese medicine or chiropractic treatment and personal accident coverage respectively
- Offer up to HKD 25,0004 personal property coverage
- Offer up to HKD 50,0004 trip cancellation and interruption coverage
- Provide up to HKD 3,000,0004 personal liability coverage
- 24-hour Zurich Emergency Assistance: benefits include free access to travel advice, medical and legal referral service
- Zurich Care Protection3
After the trip
- Offer up to HKD 1,500,0004 personal accident coverage within three hours from your arrival time from the airport to your place of residence
- Cover follow-up medical expenses within three months from returning to Hong Kong (subject to expenses directly caused by injury or illness that you have received treatment for during the insured journey)
- We also provide coverage2 for damage to your suitcase upon arrival in Hong Kong after the trip
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Medical Expenses |
1,500,000 | 800,000 | 500,000 |
| including： | |||
| • follow-up for injury | 100% | 100% | 100% |
| • follow-up for illness | 10% | 10% | 10% |
| • Chinese medicine or chiropractic treatment (Both treatment in overseas and follow-up in Hong Kong) | 3,000 | 2,000 | 2,000 |
| • Overseas travelling expense for seeking medical treatment | 300 | 300 | 300 |
| (b) Compassionate death cash | 30,000 | 30,000 | 30,000 |
| (c) Overseas hospital daily cash benefit | 10,000 (500 per day) |
5,000 (300 per day) |
5,000 (300 per day) |
| (d) Daily cash allowance due to unexpected compulsory quarantine | 10,000 (500 per day) |
5000 (300 per day) |
5000 (300 per day) |
| (e) Personal accident | 1,500,000 | 800,000 | 500,000 |
| (f) Burns accident | 300,000 | 200,000 | 100,000 |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Deposit guarantee for hospital admission | 39,000 | ||
| (b) Emergency medical evacuation | Actual cost | Actual cost | 200,000 |
| (c) Repatriation of mortal remains | Actual cost | Actual cost | 200,000 |
| (d) Compassionate visit |
1 economy class round-trip travel ticket and hotel accommodation expenses up to 700 per day (max. 5 days)
|
||
| (e) Travelling and accommodation expenses |
1 economy class one-way travel ticket and hotel accommodation expenses up to 1,950 per day (max. 4 days)
|
||
| (f) Return of unattended children | 1 economy class one-way travel ticket up to 30,000 | ||
| (g) 24-hour telephone hotline and referral services | Included | ||
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Personal belongings | 25,000 | 15,000 | |
| Including sub-limits: | |||
| • per set/item/pair | 3,000 | 2,000 | |
| • mobile phone (one per insured journey) | 2,500 | ||
| • all camera drones, cameras and camcorders and related accessories and equipment | 5,000 | 3,000 | |
| • lap-top computer and tablet computer | 5,000 | 3,000 | |
| (b) Loss of personal money | 3,000 | 2,000 | |
| (c) Replacement cost for loss of travel document or travel ticket | 3,000 | 2,000 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Cancellation of trip | 50,000 | 25,000 | |
| (b) Interruption of trip |
50,000 | 25,000 | |
| (c) Travel delay allowance (cover is not limited to specify event)* | 1,800 | 1,400 | |
| • each 5 hours of delay (up to 10 hours) | 300 | 200 | |
| • the next full 12 hours of delay | 1,200 | 1,000 | |
| (d) Baggage delay allowance (over 6 hours) | 1,000 | 500 | |
| (e) Hotel cost due to travel delay (over 6 hours) | 3,000 | 2,000 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Personal liability |
3,000,000 | 1,500,000 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Home protection |
5,000 |
||
| (b) Pet protection | |||
| (c) Child & elderly protection | |||
| (d) Missed event protection | |||
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Additional personal accident cover |
200,000 | 200,000 | |
| (b) Rental vehicle excess | 15,000 | 15,000 | |
| (c) Emergency roadside assistance | 5,000 | 5,000 | |
| (d) Relocation cost for return vehicle | 2,000 | 2,000 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Cancellation of pre-wedding photo package and overseas wedding package |
20,000 | 20,000 | |
| (b) Loss of wedding ring, wedding attire and accessories | 10,000 | 10,000 | |
| (c) Change of photo shooting venue | 5,000 | 5,000 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Interruption of overseas event |
5,000 | 5,000 | |
| (b) Additional cover for cameras and camcorders and accessories | 5,000 | 5,000 | |
| (c) Venue closure allowance | 300 | 300 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Interruption of sports activities |
5,000 | 5,000 | |
| (b) Loss of sports equipment | 5,000 | 5,000 | |
| (c) Cardiac arrest or coma | 50,000 | 50,000 | |
| (d) Exertional heat stroke | 5,000 | 5,000 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Missed boarding on ports-of-call | 10,000 | 10,000 | |
| (b) Shore excursion cancellation allowance |
10,000
(2,000 per excursion)
|
10,000
(2,000 per excursion)
|
|
| (c) Visa fee due to change of cruise port location | 500 | 500 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
| Maximum benefits per insured person per insured journey (HKD) | |||
|---|---|---|---|
| Prime Plan | Core Plan | Easy Plan | |
| (a) Additional cover for personal accident |
200,000 | 200,000 | |
| (b) Additional cover for loss of laptop and tablet | 5,000 | 5,000 | |
| (c) Interruption of tuition | 20,000 | 20,000 | |
*Subject to Section exclusions and all applicable conditions, exclusions and provisions in the policy
Frequently asked questions (FAQ)
There is no age limit for the single trip travel plan, and the annual travel plan accepts applications up to age 75.
In addition to your personal budget, it is important to assess your actual needs for travel protection. For example, if you are applying for the single trip travel plan, the Breezy Travel Prime Plan provides some specific coverages, such as home protection, pet protection, child & elderly protection and missed event protection. The maximum benefits for different benefits are also higher than other plan levels.
Besides, only the Core Plan and Prime Plan of Single Trip Travel Plan allow you to enhance your protections by adding optional benefits for specific travel purposes.
Both “Breezy Travel” single trip travel plan and annual travel plan will provide you with the coverage no matter how many countries you visit during your journey, but you must declare your travel destinations during the application. If you have enrolled for annual travel plan, each trip must depart and return to Hong Kong, and the maximum duration of coverage for each trip is 90 days. It will recalculate if you return to Hong Kong and set off again (immigration procedures is required). If you have enrolled for the single trip travel plan, all trips must depart from and return to Hong Kong, and the maximum duration of coverage is 180 days.
Amateur sports mean you are participating in such sport activities for pleasure or as a hobby rather than for financial benefit or as a job, and you will not receive any payment or monetary prize from such sports activities.
Under “Breezy Travel” basic coverage, it provides coverage for popular tourist activities such as winter sports, hot air ballooning, scuba diving, water skiing, rafting, sailing, parachuting accompanied by professionals, sling jumping and horse riding, etc. If you purchase the Amateur sports optional benefit, it will extend the coverage to the loss when participating in sports activities such as overseas marathons and bike tours.
However, please note that activities such as motor racing, self-driving flights, engaging in a sport in a professional capacity, any activities where you could earn income or remuneration, trekking at an altitude greater than 5,000 meters above sea level, or diving to a depth greater than 40 meters below sea level, activities involve a high level of expertise, exceptional physical exertion, exposure in an extreme environment, or use of specialized gear or equipment, are not covered by the insurance.
If you have an accident in public areas, such as falling in the hotel lobby and damaging the hotel properties, we can compensate you for your actual medical expenses and compensation cost for the damaged hotel items according to the personal liability coverage in Core and Prime Plan.
If you apply for the “Breezy Travel” Core and Prime Plan, your personal devices, such as laptop computer, tablet, camera drones, camcorder and related accessories and equipment will be covered according to the personal belongings sub-limits. However, the maximum benefits under Prime Plan will be higher, and we would extend the coverage to your mobile phone (if you accidentally lost or damaged it in your journey).
Besides, you can enhance the protection limit of electronic devices by adding optional benefits. Under the Short-term overseas study exchange optional benefit, you will get an additional HKD 5,000 coverage for the accidental loss or damage of your laptop and tablet; and from the overseas event optional benefit, you will get an additional HKD 5,000 coverage for accidental loss or damage to cameras, camcorders and related accessories and equipment.
If you have applied for Breezy Travel Single Trip Travel Plan and added on Road trip optional benefit, with motor insurance from the rental company when you rent the vehicle, and there are deductible amounts and non-operating charges provided in the terms and conditions, “Breezy Travel” will cover the related fees. If you are injured in an accident, you can claim the personal accident benefits and medical expenses sections. However, as the rental vehicle was controlled by you during the accident, you will not be covered for any personal liability loss.
Learn more
1Not applicable to Breezy Travel Annual Travel Plan and Single Trip Travel Plan – Easy Plan.
2Applicable to Breezy Travel Single Trip and Annual Travel Plan – Prime Plan only.
3The maximum benefit limits shown above are based on the Prime Plan.
4Applicable to Breezy Travel Single Trip – Prime Plan only.
- The insurance is not applicable to person holding the People’s Republic of China passport and travels to/within China, unless he/she has an official document issued by the overseas Government (other than China) as proof that he/she a legal resident of the respective country but travelling with a passport of the People’s Republic of China.
- For annual travel plan: all trips must depart from and return to Hong Kong. Each insured journey should not exceed 90 days. It covers up to the age of 75 with unlimited trips throughout the year, renewal is allowed up to the age of 80.
- For single trip travel plan: all trips must depart from and return to Hong Kong, and the insured journey shall not exceed 180 days.
- For one-way single trip travel plan: all trips must depart from Hong Kong, the insured journey shall cease after your check out from the immigration counter upon arrival in the first destination from Hong Kong.
- No refund of premium is allowed once the policy is issued for single trip travel plan.
- The insured should provide any valid important documents or other documentation such as vaccine certificates, medical tests/documents required by the public common carrier or relevant government authority which are needed to travel.
Extra coverage limit on travel delay allowance of Breezy Travel Insurance Plan exclusively for Hutchison Telecom customers
- The extra coverage limit on travel delay allowance (offer) of Breezy Travel Insurance Plan is brought to you directly by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) (“Zurich”). Hutchison Telephone Company Limited(“HTCL”) does not participate in the provision or arrangement of the above-mentioned insurance product. If you have any questions about the insurance product, please contact Zurich directly.
- From now to December 31, 2025 (both days inclusive), customers who enroll Zurich’s Breezy Travel Insurance Plan via Zurich’s designated website, with policy successfully issued by Zurich and effective on or before January 15, 2026 can enjoy the extra coverage limit up to HKD 1,800 & HKD 1,400 under Travel delay allowance# automatically. No promo code is needed.
- This Offer is applicable to 3HK, SUPREME, MO, MO+ & SoSIM customers.
- Zurich reserves the right to alter or terminate this Offer (in whole or in part) or amend these terms and conditions at any time without prior notice.
- In case of any disputes arising from this Offer, the decision of Zurich shall be final and conclusive.
- In case of any inconsistency between the English and Chinese of these terms and conditions, the English version shall prevail.
- The policy is underwritten by Zurich Insurance Company Ltd, a company incorporated with limited liability in Switzerland (“Zurich”). The policy is either arranged by Zurich or by Domain Five Enterprises Limited (“Domain5”), as the case may be. Domain5 is a licensed insurance intermediary under the Insurance Ordinance (License No. FA2643) and a related company of Hutchison Telephone Company Limited (trading as 3HK, SUPREME, MO, MO+ and SoSIM) (“HTCL”). HTCL is not a licensed insurance intermediary and does not provide any advice in relation to the insurance policy arranged by Zurich or by Domain5, as the case may be. Any references to HTCL does not constitute HTCL carrying on “regulated activities” as defined in the Insurance Ordinance and HTCL is not acting in the capacity of a licensed insurance intermediary.
- All matters and disputes are subject to the final decision of Zurich.
#Applicable to Breezy Travel Single Trip and Annual Travel Plan – Core and Prime Plan only. The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency.
Breezy Travel Insurance Plan limited time premium discount offer exclusively for Hutchison Telecom customers
- 20% off discount of Zurich’s Breezy Travel Insurance Plan (Single Trip) and 20% off 1st year discount of Breezy Travel Insurance Annual Plan for Hutchison Telephone Company Limited(“HTCL”) customers (“Offer”) is brought to you directly by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) (“Zurich”). HTCL does not participate in the provision or arrangement of discount offers or the above-mentioned insurance products. If you have any questions about discount offers or insurance products, please contact Zurich directly.
- This Offer is applicable to customers who enroll the Plan via Zurich’s designated website with the promo code from now to March 29, 2025 (both days inclusive), with policy successfully issued by Zurich and effective on or before April 15, 2025.
- This Offer is applicable to 3HK, SUPREME, MO, MO+ and SoSIM customers.
- The promo code must be keyed in when applying Zurich’s designated plan at the designated website to entitle the offer.
- Zurich will not accept any liability should a customer fail to input the promo code when conducting relevant transactions and that it results in forfeiture of the customer eligibility to the offer.
- If the policies issued are subsequently cancelled for whatever reasons, only the actual premium paid will be refunded to the customers on a pro-rata basis.
- The Offer is not applicable to the renewal of any existing policies of the Plan.
- The customers whose application or policy for the Plan has been withdrawn or cancelled within three months before the Promotion Period will not be entitled to the Promotion.
- The date appearing in the records of Zurich will be conclusive as to the date on which the relevant application or policy was submitted, issued, withdrawn or cancelled.
- Zurich reserves the right to alter or terminate this Offer (in whole or in part) or amend these terms and conditions at any time without prior notice.
- In case of any disputes arising from this Offer, the decision of Zurich shall be final and conclusive.
- In case of any inconsistency between the English and Chinese of these terms and conditions, the English version shall prevail.
- Only one code can be used for each application for the Plan.
- The policy is underwritten by Zurich Insurance Company Ltd, a company incorporated with limited liability in Switzerland (“Zurich”). The policy is either arranged by Zurich or by Domain Five Enterprises Limited (“Domain5”), as the case may be. Domain5 is a licensed insurance intermediary under the Insurance Ordinance (License No. FA2643) and a related company of Hutchison Telephone Company Limited (trading as 3HK, SUPREME, MO, MO+ and SoSIM) (“HTCL”). HTCL is not a licensed insurance intermediary and does not provide any advice in relation to the insurance policy arranged by Zurich or by Domain5, as the case may be. Any references to HTCL does not constitute HTCL carrying on “regulated activities” as defined in the Insurance Ordinance and HTCL is not acting in the capacity of a licensed insurance intermediary.
- This coupon cannot be used in conjunction with other gift voucher, cash coupon, promotions price, membership offers or other offers.
- Zurich bear no responsibility and shall not pay any compensation for any loss resulting from expiration of promo code.
- All matters and disputes are subject to the final decision of Zurich.
Helping you to reduce the carbon footprint of your travel journey
- Offset the carbon emissions of your scheduled flight by supporting renewable energy program
- Increase the benefit limit under rental vehicle excess by 20% if your rental car is an electric vehicle
- Offer referral service for electronics/gadgets recycling, customers can contact us to get the list of recycling service providers
Zurich travel insurance is among the most reliable options for travel insurance in Hong Kong!
Our travel insurance products have received widespread acclaim and trusted by 3.9 million travellers for their choice of comprehensive protection during their journeys in the past 10 years. On top of that, our travel insurance products are recognized by multiple insurance awards in the industry.
Banking & Finance Awards 2023-24
Outstanding Travel Insurance Award
Ming Pao Award for Excellence in Finance – Excellent Travel Insurance Award
Insurance Asia Award 2023
Travel Insurance Initiative of the Year - Hong Kong
The insurance plan is underwritten by Zurich Insurance Company Ltd (“Zurich”) and is intended only for sale in the Hong Kong SAR. This material should not be regarded as an offer or solicitation to sell any insurance products or services in any jurisdiction in which such offer or solicitation would be unlawful in such jurisdiction.
The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.