Overseas Study Insurance

Study abroad carefree with comprehensive protection

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Study abroad carefree with comprehensive protection

Apply Now Apply Now

From now until 31 Mar 2025, enjoy 20% discount upon successful application for MSIG Overseas Study Insurance.

Terms and conditions apply Terms and conditions apply

Medical protection

Up to HK$2,000,000 medical expenses covering both overseas inpatient and outpatient treatment

Travel protection

Provides travel delay, trip cancellation and curtailment, loss or damage of personal baggage including mobile phone and tablets

Tuition expenses

Covers the unused pre-paid tuition fee, travel and accommodation deposits if your study is cancelled or interrupted due to named reasons

Worldwide emergency assistance services

Provide 24-hour assistance hotline and worldwide emergency medical evacuation service

Please scroll down for details

Benefits table	Maximum Benefits Payable Per Year (HK$)
	Basic Plan	Premier Plan
Section 1 – Personal accident
· Accidental death/permanent disablement · Major burns	1,000,000 500,000
Amateur dangerous sports and activities	500,000
Section 2 – Medical expenses
Medical expenses at overseas · Maximum no. of visits for outpatient treatment · Follow up medical treatments in Hong Kong for a temporary visit ➢ Maximum no. of days ➢ Chinese medicine practitioners’ fee · Limit per visit per day	Not applicable	2,000,000 25 250,000 90 5,000 200
Hospital cash (if hospitalised for more than 5 consecutive days) · Limit per day		30,000 500
Trauma counselling · Limit per visit per day		15,000 1,500
Amateur dangerous sports and activities²		500,000
Section 3 – Tuition expenses²
Education fund¹ · If bodily injury suffered by your parent resulting in death or permanent disablement within 12 months from the date of the accident	300,000
Cancellation of study · Unused pre-paid tuition fee and travel and accommodation deposits if your study is unavoidably cancelled before departure from Hong Kong due to named reasons ➢ Limit under Black Outbound Travel Alert ➢ Limit under Red Outbound Travel Alert	50,000 100% 50%
Study interruption · Unused pre-paid tuition fee or re-attend fee of the missing course if your study is interrupted due to death or serious injury or sickness of you or your family member ➢ Limit of additional or unused travel and accommodation expenses if your study is abandoned and you return to Hong Kong permanently	200,000 20,000
School closure daily cash allowance · if your school is closed more than 3 consecutive days due to natural disaster or compulsory closure by local authority ➢ Limit per day	5,000 500
Section 4 – Travel delay²
Cash benefit³ · Limit per each 6 hours of delay	3,000 300
Additional transportation and/or accommodation expenses³ · Limit per day	5,000 1,000
SECTION 5 – TRIP CANCELLATION AND CURTAILMENT⁴
Unused travel and accommodation deposits you have paid or payments for which you are legally obliged to pay if your study is unavoidably cancelled within 30 days prior to its commencement or after the trip has begun due to named reasons	50,000
Section 6 – Personal belongings
Loss of or damage to your personal baggage or belongings	20,000
· Limit per article, pair or set of articles	3,000
· Limit of all sports equipment	5,000
· Limit of all valuables	5,000
· Limit of all cameras, camcorders and audio/video equipment	5,000
· Limit of all laptops	10,000
· Limit of mobile phone or tablet computer ➢ Maximum no. of device	2,000 1
· Excess: HK$200
Delayed baggage	1,500
Loss of travel documents · Limit per day of additional accommodation expenses	10,000 1,000
Personal money	2,000
Section 7 – Personal liability
Pay for all sums which you become legally liable to pay as compensation	2,000,000
SECTION 8 – HOUSEHOLD CONTENTS AT RESIDENCE
Loss of or damage to household contents as a direct result due to fire, flood, earthquake, tsunami, subsidence/landslip, aircraft damage or impact damage by any road vehicle	12,000
Section 9 – Alternative accommodation
If your overseas residence being rendered uninhabitable due to fire or natural disaster · Limit per day	10,000 500
Section 10 – Terrorism extension (applicable to the above Section 1 and 2 only)
Extends to cover you in respect of death or bodily injury (including necessary medical expenses incurred) which may be sustained through acts of terrorism	3,000,000
Emergency assistance services
24-hour assistance hotline	Included
Compassionate visit (if hospitalised for more than 5 consecutive days) · Limit per day of accommodation expenses · Maximum no. of day for accommodation	One economy class airfare 1,200 5
Unexpected return to Hong Kong (in the event of the death of your family member)	One economy class airfare
Emergency medical evacuation and repatriation after treatment	2,000,000
Deposit guarantee for hospital admission	40,000
Repatriation of mortal remains/ ashes	250,000

Only applicable if the insured student is aged 25 or below and unmarried when his/her parent suffers bodily injury. Not applicable if the insured parents are aged above 75 or his/her engagement as a worker or staff stated in major exclusion item 7.
All ancillary leisure trips, which are less than 90 days per trip and outside Hong Kong or Study Country/Region, taken by during the Study Journey are covered.
Only claim for either section 3 or section 4, in respect of any losses arising from the same cause.
Either travel delay cash benefit or additional transport and/or accommodation expenses is payable.

Premium table	Basic Plan	Premier Plan (with an Excess of HK$20,000 for each hospitalisation claim)	Premier Plan
Annual premium (HK$)	3,000	4,527	5,030

Notes:

1.The insured student must be aged between 6 and 50 and not a passport holder of the study country/region.

2.The applicant and insured student must be Hong Kong resident and at the time of application the insured student has not yet left Hong Kong for the study journey meant to be covered. *

3.The study journey should be originating from Hong Kong.

Major exclusions:

Any circumstances or medical conditions giving rise to a claim under this policy known to have existed at the time of application or at the date of arranging the study journey
Any sport in a professional capacity or could earn income or remuneration from engaging in such sport
Suicide, intentional self-inflicted injury, insanity, mental or nervous disorders, sleep disorder, psychiatric disorder
Influence of drugs or alcohol
HIV and/or any HIV related illness including AIDS
Flying activities other than as a fare-paying passenger with a licenced and scheduled routes carrier
Engagement as a worker or staff in any form of manual employment or occupation, hazardous work or occupation, or listed under general exclusion of the policy
Fighting (except in bona fide self defense), provoked assault, resistance to arrest
Unlawful acts
Consequential loss of any kind
Any misrepresentation or omission to inform us of any material information
Delay, confiscation, detention, nationalisation, requisition or destruction of or damage to property
Pressure waves from aircraft and other airborne devices travelling at sonic or supersonic speeds
War and terrorism (Except for terrorism extension cover)
Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons

The above is a summary of the Major Exclusions only. For details, please refer to policy provisions.

Important notes:

Insurance Authority (IA) has announced the collection of levy on insurance premium under the ‘Insurance Ordinance’ with effect from 1 January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy.

The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain terms and conditions which are not detailed in the above. Should there be any discrepancy between the information contained in the above and the terms of the policy, the terms of the policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the relevant policy or contact MSIG at (852) 3122 6722 (Service Hours: Mon – Fri 9:00am – 5:30pm, except public holidays).

The above plan is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”) which is a general insurer authorized and regulated by the Insurance Authority of HKSAR. Standard Chartered Bank (Hong Kong) Limited (“SCBHK”) is an insurance agent appointed by MSIG (Licensed Insurance Agency FA1239). To the extent permissible by law, Standard Chartered Bank (Hong Kong) Limited shall not be liable to any person for the use of any of the above information.

The above plan, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions.

The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.

The material and information contained on this Web Site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this Web Site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Standard Chartered Bank (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, Standard Chartered Bank (Hong Kong) Limited will enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the product should be resolved directly between MSIG and the customer.

Study abroad carefree with comprehensive protection