Travel Insurance for Hong Kong & Macau

​Hong Kong is known as a financial powerhouse and a famous tourist magnet that attracts millions of tourists every year. With its Western-style education, democratic political system, and reputation as a major trade port, Hong Kong offers a happy blend of Western and Eastern cultures.

With the increasing demand for trips to Hong Kong, it is crucial to secure yourself and your savings by being prepared for unforeseen circumstances with valid travel insurance for Hong Kong.

Reliance General Insurance offers comprehensive Hong Kong travel insurance plans to Indians visiting Hong Kong to ensure you have a memorable trip experience without the hassle of unexpected emergencies and financial burdens.

Do I Need Travel Insurance for​ Hong Kong?

To enter Hong Kong with a valid visa, you do not require a mandatory travel insurance Hong Kong policy. However, given the comprehensive coverage by travel insurance for Hong Kong, investing in one is highly recommended for a stress-free vacation.

To help you understand the benefits, here are some standard inclusions for trip insurance Hong Kong.

• Coverage for medical emergencies
• Coverage for third-party liabilities
• Coverage for expenses incurred for repatriation of mortal remains from Hong Kong to India
• Coverage for total loss of checked-in baggage
• Coverage for expenses incurred to obtain a fresh or duplicate passport
• Coverage for acute anaesthetic dental treatments for an accidental injury
• Coverage for trip delays, interruptions or cancellations
• Compensation for hijack distress, etc.

Hong Kong Travel Insura​​nce Types

Hong Kong Travel Insurance​ Benefits

Cashless Medical Assistance

When you buy travel insurance HK plans, you can avail of a cashless hospitalisation facility. With this convenience, you can get the necessary medical coverage in case of an accident or health emergency when in Hong Kong without the burden of hefty upfront expenses.

All you need to do is file a cashless claim, and upon verification, we will settle the expenses directly with the hospital.

Personal Liabilities

Unexpected incidents can happen to you at any time, causing damage to third parties when in Hong Kong. In such situations, HK travel insurance covers the legal and compensatory expenses on your behalf to secure your savings from a significant financial burden.

Coverage for Travel Mishaps

Medical or family emergencies, natural disasters, and man-made calamities can often result in trip delays, interruptions and cancellations. Such incidents can often result in a significant financial expense due to the non-refundable booking costs. In such cases, travel insurance international Hong Kong compensates for these non-refundable expenses.

Baggage and Passport Security

Losing your baggage and passport when travelling abroad. In such situations, travel insurance helps with the necessary assistance and compensation. Moreover, it also covers the expenses incurred for obtaining a fresh or duplicate passport to help you get back to India.

Easy Policy Extension

In case you need to extend your trip for some reason, you can easily extend your travel insurance policy coverage to ensure you and your savings are well-protected during your entire stay.

Reliance Travel Insurance Ho​​ng Kong

Reliance Travel Insurance International Hong Kong plans offer comprehensive coverage to cater to the unique needs of travellers and ensure they are well-protected in times of need. Our plans cover medical emergencies, journey mishaps, loss of baggage and passports, and much more.

You can also enjoy the maximum convenience of cashless claims for medical treatments along with a user-friendly website to buy and extend your best travel insurance Hong Kong plan as required.

We prioritise customer satisfaction and thus offer affordable plans to ensure all budgets can avail themselves of the benefits of our extensive coverage for added peace of mind.

Let’s discuss some of the top features of our Hong Kong travel insurance.

Features of Reliance Hong Kong​ Insurance

Reliance Hong Kong Insurance: I​​nclusions & Exclusions

Inclusions

• Emergency medical treatments (including hospitalisation expenses and treatment costs) due to an illness or accidental injury when in Hong Kong
• Coverage for third-party liabilities to manage legal and compensatory expenses.
• Coverage of expenses incurred to obtain a fresh or duplicate passport due to loss of a passport
• Compensation for accidental injuries leading to permanent disability or death.
• Compensation for non-refundable expenses in case of trip delays, interruptions or cancellations.
• Theft
• Coverage for expenses incurred to transport mortal remains back to India.
• Coverage for hijack distress.
• Compensation for total loss of baggage

Exclusions

• Damage or loss incurred due to nuclear attacks or war.
• Medical emergencies related to pregnancy or childbirth.
• Medical assistance for self-inflicted injuries.
• Medical treatments when travelling against the advice of a medical practitioner.
• Any claim for an undeclared medical condition.
• Damage or loss incurred due to negligence.
• Coverage for any planned medical treatment.

How to Buy Travel Insurance Online​ Hong Kong from Reliance General Insurance?

• Step 1 - Go to our website > Explore Products > Asia Travel Insurance.
• Step 2 - On the new page, select the type of plan, click on “Next”, and add your personal details, such as mobile number, travel destination, etc.
• Step 3 - Next, choose a plan of your choice and click on “Buy Now”.
• Step 4 - On the next page, check the calculated premium displayed on the screen and add any other information required for the final step.
• Step 5- Finally, make the premium payment using any of the online payment methods.
• Step 6- The purchased Hong Kong travel insurance will be sent to you on your email.

Why Buy Travel Insurance Hon​​g Kong Online?

• The online process to buy the best travel insurance Hong Kong plans is quick and convenient, with minimal effort required.
• When you opt to buy travel insurance India to Hong Kong online, you can compare different plans and premiums in just a few clicks to make the right decision without too much effort.
• The online purchase procedure for travel insurance international Hong Kong offers paperless policies with zero requirements for physical documentation and appointments.
• During the online purchase process, you can explore various discount deals and offers on travel insurance plans for Hong Kong to benefit from reduced premiums without compromising on coverage.
• The online process offers maximum transparency with zero hidden costs so you are aware of what you are paying for.

Process to Claim Hong Kong Tra​vel Insurance

You can file a claim for travel insurance Hong Kong in two ways: a reimbursement claim or a cashless claim, and the claim can be filed by you or your family member.

In a reimbursement claim, you need to cover the incurred expenses on your own and then get the applicable reimbursement after claim submission.

In a cashless claim, we settle the incurred expenses directly with the hospital or entity in Hong Kong, reducing your upfront expenses.

1. Step 1 - Notify us about the incident within 24 hours of the event’s occurrence by calling 1800-209-5522 or visiting our Claims Helpline
2. Step 2- Once done, collect all the relevant proof of the incident along with the incurred expenses. This includes all medical bills, receipts, invoices, and other necessary documentation.
3. Step 3 - Next, submit all the documents along with a complete claim form on RCare or our Europ Assistance address.
4. Step 4- Upon verification of your Hong Kong insurance claim, a decision will be updated to you. If approved, the applicable benefits will be reimbursed in your registered bank account or settled directly with the hospital in Hong Kong.

Also Read - Documents Required to Register a Claim: Inland Travel

Travel Insurance Hong Kong Pr​ice Range

To find the best travel insurance in Hong Kong for your next adventure, you must know the different factors that impact the price range for these insurance policies so that you can choose wisely.

These factors vary from traveller to traveller and include the following -

• Trip Duration- The number of days you plan to travel to and stay in Hong Kong directly impacts the cost of travel insurance. The premium is lower for shorter trips than for longer trips, as they require higher coverage for an extended period.
• Type of Plan- The choice of the plan also impacts the price of travel insurance international Hong Kong. A single-trip plan will be more affordable for a single trip to Hong Kong. However, for a multi-trip yearly itinerary, investing in cheap travel insurance in Hong Kong for annual multi-trip coverage is better.
• Coverage- Based on the level of coverage you require for your trip to Hong Kong, the premium cost will vary. For a higher coverage, the premium will be higher, and vice versa.
• Specific Needs- If you have specific medical conditions which require additional coverage, the price of your travel insurance plan will be higher.

Tips to Affordable Tourist Insurance for Hong Kong

1. You must assess your coverage needs and budget before exploring the different types of travel insurance international Hong Kong plans. This will help you choose wisely with the correct knowledge of what you are looking for.
2. You must compare different plans and premiumsto understand which one offers better coverage within your budget.
3. Before purchasing any travel health insurance plan in Hong Kong, explore and carefully choose the right type of policy between individual, family, and annual multi-trip plans, as their premiums differ for each.
4. Always check for the policy inclusions and exclusions to assess whether the coverage offered by a plan aligns with your coverage needs. This will ensure smoother claim settlements in emergencies.
5. In addition to choosing the travel insurance plan, review the insurer’s performance and assess the claim settlement ratio and the availability of customer support and assistance.
6. Lastly, check for the online convenience available with the chosen insurer for policy purchases, extensions, and claims to enjoy a seamless experience.

Hong Kong Visa Requirem​ents

Is there a Visa-Free Arrival in Hong Kong for Indians?

There is no visa-on-arrival for Indians to visit Hong Kong. However, Indian nationals can visit Hong Kong visa-free for a stay permit of up to 14 days for each trip with a validity of 6 months.

For this facility, you must apply for a “Pre-Arrival Registration for Indian Nationals” for a hassle-free visit or transit. You need to complete this online application form submission process before you arrive in Hong Kong.

The application process is straightforward and the approval takes very little timeOnce you have the approval, you must print out the “Notification Slip for Pre-Arrival Registration for Indian Nationals” clearly and submit it once you arrive in Hong Kong.

Types of Visas for Hong Kong

Application Process for Hong Kong Visa

• Visit the official website of the Immigration Department of the Government of Hong Kong.
• From the main page, select “Our Services” from the top tab and then click on “Visa/Entry Permits” from the dropdown menu.
• On the new page, find and select the relevant visa category based on the purpose of visit, such as education, work, or visit, before clicking on “Apply Entry Now” present next to the applicable visa category.
• Fill out the application form for the chosen visa category accurately and then click “Submit” to proceed.
• For the final step, make the Hong Kong visa fee payment using any of the available online payment options and collect the receipt.
• Track your application status and upon arrival, embark on your trip to Hong Kong without any hassle.

You can also apply for a Hong Kong visa offline by submitting the completed visa application form along with the supporting documents to the Hong Kong Consulate in Kolkata.

Documents Required for Hong Kong Visa

• A duly filled and signed application form.
• A valid Indian passport.
• A clear, recent passport-size photograph.
• Proof of funds - bank statements, tax receipts, payslips, passbook, etc.
• Confirmed flight tickets to and from Hong Kong.
• A clear proof of purpose for visiting Hong Kong - tour package receipt, travel itinerary, etc.
• Proof of relationship with the sponsor, who is a local citizen in Hong Kong (for family visit purposes).
• Proof of confirmed tickets to the next destination (for a transit visa).
• Proof of planned and proposed business trip activities when in Hong Kong (for a business visit visa).

Hong Kong Consulate in India

At present, there is no Embassy of Hong Kong, as it is not an independent country but instead a Special Administrative Region of China. Therefore, Hong Kong does have a dedicated Hong Kong Consulate in Kolkata to carry out the necessary tasks.

Tips to Avoid Hong Kong Visa Rejections

1. Maintain sufficient funds in your bank account.
2. Enter accurate information on the visa application form to ensure it aligns with the information on personal documents.
3. Submit all the correct supporting documents based on the file specifications.
4. State the purpose of the visit clearly when submitting your visa application.
5. Apply for the right visa category.
6. Book your flights in advance for both a visit and a transit visa.

Also Read - Visa Rejections: Common Reasons and How to Avoid Them

Interesting Facts About H​​ong Kong

1. The official name of Hong Kong is the Hong Kong Special Administrative Republic (HKSAR).
2. Hong Kong has the highest number of Rolls Royce in the world, making it one of the richest regions in China.
3. The founder of fibre optic communications, Professor Charles Kao, was born in Hong Kong.
4. Hong Kong is home to the largest fleet of ferries globally.
5. There are approximately 260 islands in Hong Kong.
6. The meaning of the name Hong Kong is “Fragrant Harbour”.
7. Hong Kong has the highest number of skyscrapers in the world, with around 8000 in the city.
8. Hong Kong is home to the world's largest light and laser show, The Symphony of Lights, which takes place every night.
9. The toilet flushes in Hong Kong use seawater.
10. The famous Buddha Statue on Lantau Island in Hong Kong is one of the tallest standing statues in the world.
11. A unique birthday tradition in Hong Kong is eating noodles to live a long life.
12. Hong Kong citizens receive free education till the age of 12 years.
13. The size of the Hong Kong International Airport is approximately 20 football fields.
14. Hong Kong has the largest outdoor escalator in the world, measuring around half a mile long.

Best Time to Visit Hong​ Kong

Money-Saving Hong Kon​​g Trip Tips

1. Book your flight tickets and accommodation weeks prior to your travel dates.
2. Be flexible with your travel dates and avoid booking flights during the peak season.
3. Opt for affordable accommodation options such as Airbnbs, guesthouses, hostels and service apartments, as they are cheaper than the high-end city hotels.
4. Explore the local street shops and flea markets for your shopping needs and indulge in local cuisine on a budget.
5. Purchase day passes and bundled tourist passes before coming to Hong Kong to save extra on planned adventures.
6. Invest in an Octopus Card to make use of the well-connected public transport system in Hong Kong.
7. Most accommodations offer kitchens, so prepare some meals on your own by shopping for local produce at cheap prices.

Year-Round Travel Checklist H​ong Kong

• Documents- Keep copies of all your important personal and travel documents in case of emergencies.
• Clothing- Research the weather conditions and pack clothes accordingly. If you enjoy beach adventures and water sports, do not forget swimwear.
• Adapter - Pack a universal adapter to charge all your electronic devices.
• SIM Card - Buy a local SIM card to stay connected and capture memories.
• Umbrella/ Raincoat- Rain showers are predicted all year round, so it is important to carry a compact umbrella and a raincoat to avoid missing out on tourist spots and excursions.
• Small Backpack- You must carry a small backpack to carry your essentials with you on the go without the risk of losing them in crowded places.
• Bug Spray- Bugs are not uncommon in Hong Kong, so you must stay safe with a bug spray on you at all times.
• Sunscreen- No matter the weather conditions, applying sunscreen is crucial to avoid skin damage.
• Medicines- Pack all your prescribed medications and a standard first-aid kit to get immediate support in times of emergency.
• Comfortable Footwear - You can walk and explore a lot of places in Hong Kong, so it is advisable to carry comfortable footwear to avoid getting blisters.

Hong Kong Safety and Precaut​ions

1. Be watchful of your drinks and food at all times, as spiking can happen when you least suspect it.
2. Check your surroundings, especially in crowded places, to avoid theft and snatching.
3. Keep your personal belongings close to you when in public places and avoid carrying crucial documents during city commutes.
4. Monitor the weather conditions and stay updated on typhoon warnings to avoid getting stranded.
5. Do not overstay beyond your visa permit, or you will be penalised with hefty fines and deportation.
6. Save the emergency contact numbers on your mobile phone before embarking on your trip to Hong Kong to get the necessary assistance in emergencies. The numbers include -
   • Police: +852-2527-7177
   • Department of Health: +852-2961-8989
   • ​ All Emergency Services: 999
   • Immigration Department: +852-2824-6111​
7. Avoid stepping out alone at night, especially in isolated areas.
8. Be respectful of the local laws and customs to avoid offending the locals and hefty fines.​

Best Places to Visit in H​​ong Kong

• Hong Kong Disneyland
• Ocean Park Hong Kong
• Victoria Peak
• Madame Tussauds Wax Museum
• Clock Tower
• Wanchai Blue House
• Jardine House
• Tian Tan Buddha
• Ngong Ping 360
• Hong Kong Skyline
• Lantau Island

​Best Things to Do in Hong Ko​​ng

1. Explore the history and culture of Hong Kong by visiting the Hong Kong Palace Museum.
2. Book a ride on the Star Ferry to witness the stunning Victoria Harbour and capture breathtaking views of the city.
3. Visit the Tsim Sha Tsui Clock Tower, a remarkable architectural marvel and witness the clock chimes.
4. Book a ride on the Peak Tram to view the amazing landscapes on your way up. You can also visit the Madame Tussauds Wax Museum after reaching Victoria Peak and shop for souvenirs.
5. Enjoy a peaceful picnic at the Hong Kong Park.
6. If you are a nature lover, enjoy the diversity of species at the Zoological and Botanical Gardens.

Frequently Asked Questions On Hong Kong Travel Insurance

• Is a planned dental treatment covered in my Hong Kong travel insurance plan?

No, planned medical treatments are not included in any Hong Kong travel insurance policy. The standard inclusions for medical coverage only include acute anaesthetic dental treatments for an accidental injury when you are in Hong Kong.

• Is there a fixed age limit to be covered in a travel insurance plan?

Most insurers allow you to purchase a travel insurance policy at any age. However, you will need to choose and buy the relevant travel insurance plan based on your age. For instance, young children are often covered in family plans until they are 18 years old, and then they can buy individual plans for travel.

• Can you list some exclusions of Hong Kong travel insurance?

  Some standard exclusions are -

  1. Negligent behaviour
  2. Nuclear attacks
  3. Wars
  4. Pregnancy and childbirth
  5. Cosmetic procedures
     
  6. Undeclared medical conditions
  7. Planned medical treatments​

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