


General Insurance
General insurance refers to a category of insurance products that protect against property loss and liability, including property, liability, and accident insurance. Its primary purpose is to provide financial compensation for unexpected events, mitigating losses and ensuring the policyholder's financial security. Property insurance covers homes, businesses, and vehicles, while liability insurance addresses legal responsibilities for damages. Accident insurance offers protection against injuries or death due to accidents, providing peace of mind for individuals and businesses.
All
Travel
Home
Fire
Car
Helper
Personal Accident
Contractors’ All Risks
SME
Pet Insurance

Single & Annual Travel
Choose based on your travel frequency for optimal value.
• Single-Trip: Best for 1-2 trips/year. Covers specific dates/destinations; premium based on length. Suitable for varied trip profiles.
• Annual Multi-Trip: Cost-effective for frequent travel (3+ trips/year). Provides year-long coverage for all trips (max duration applies). Simplifies repeat purchases.
Vital Coverage
Travel involves risks; insurance is key for peace of mind. It provides vital financial aid and ensures prompt assistance abroad.
• Core Protection: Covers high medical costs, emergency transport, trip issues, and lost baggage. Mitigates high foreign medical expense risk.
• 24/7 Global Support: Hotlines offer instant support. Get immediate help for accidents or urgent repatriation, wherever you are.
Selection Tips
Compare details. Ensure coverage meets your needs; note protection depth.
• Exclusions: Policy terms vary. Check if extreme sports or chronic illness are excluded.
• Activity Risks: For high-risk activities, confirm "specific add-ons."
• Early Purchase: Buy soon after booking to protect against cancellation loss before departure.


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Detailed comparison of the three companies' plans
- AIG Insurance Hong Kong Limited
- AXA Hong Kong
- Assicurazioni Generali s.p.a


Frequently Asked Questions
Travel insurance becomes effective immediately when you purchase it, so we recommend that you buy travel insurance right after booking your flights and hotel arrangements. If you have purchased the insurance and your trip has not yet started, but you encounter situations like natural disasters and decide to cancel the trip, you can claim compensation under the "Trip Cancellation" section of the policy.
As a side note, if you purchase travel insurance only after a natural disaster has occurred, you will not be covered.
One-time travel insurance / Annual travel insurance, how to choose?
If I get injured while traveling and continue treatment after returning to Hong Kong, will I be covered?
If I fall ill during the trip, will I be reimbursed for medical expenses?
What should I do if I need support during the trip?
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Difference between Broker & Agency

- BrokerAgency
- Comparing various products from multiple insurance companies all at once.
- Exaggerate the company's customized policies and reduce premium costs.
- From tailor-made analysis to chasing claims, protecting customer interests first
- Take advantage of the company's limited-time offers to secure high-value policies.
- Proactively reviewing your policy and dynamically adjusting life coverage.
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