Travel Insurance
Policy Documents

Customer Shaped Policy Wording

 
We shape out T&Cs using real customer feedback to make them easier to understand

We hope our travel insurance policies are clear and easy for you to understand. Our managers review and update our policy wording regularly to remove any grey areas. But if you still have questions about your travel insurance policy, please give us a call so one of our Customer Care Specialists can help.

Policy Documents

These policy details give you complete information about your travel insurance policy with DirectAsia.

Claims

Documents you may need to submit when it comes to making a claim.

Travel Insurance FAQs

Yes, you get a special family package rate for taking out the family plan, which covers 4 to 6 members, including spouse and children. If you have just 3 members in your family then we suggest you opt for the group plan to get the best deal.

We'll automatically extend your policy regardless of annual or single trip cover, if your flight is delayed or you are injured and you can't get back home on your scheduled date.

Our single trip plans can cover you for trips up to 182 days.

Our annual plan covers you for all travel taken within a 12 month period. There's no limit to the number of trips you can take so long as each trip is no more than 90 days.

We'll cover you for scuba-diving as long as you inform us during the time of purchase; also you have a qualified instructor with you.

We cannot cover people who have been advised by a medical practitioner not to travel or anyone who is travelling on a trip to receive medical treatment.

We do not cover you for the following countries: Afghanistan, Cuba, Iran, Iraq, Libya, Sudan, Syria, Democratic Republic of Congo and Somalia.

You need to take into account your own circumstances and needs when deciding how much travel cover to take out.

Consider the following:

  • How much your family would need without your salary to support them should you become disabled or involved in a fatal accident.
  • Will you be taking expensive items such as cameras during your trip? If so, you will need to choose a plan with higher cover.
  • You can also take into account how much premium you would want to pay.
Click here to learn more.

The policy holder must be aged 18 years and above. Your policy can include your family and friends that are aged between 30 days and 70 years. For renewal policies we'll cover up to the age of 75. Family refers to your immediate members including spouse and children. Children can be aged up to 24 if they are unmarried and in full-time education.

We’ll insure people from most professions, including those in risky occupations such as firefighters, police officers and naval workers. If you do have a risky occupation then you’re covered so long as you’re not on duty. (see our Policy Details for a comprehensive list of risky occupations) We have to exclude some people so that we can keep your premium down.

We cannot cover you if:

  • You’re travelling to Afghanistan, Cuba, Iran, Iraq, Libya, Sudan, Syria, Democratic Republic of Congo and Somalia.
  • You’ve been advised by a medical practitioner not to travel or you’re travelling on a trip to receive medical treatment.

Read DirectAsia.com Policy Details for complete information including limits and conditions.

Zone Country
Asia Brunei
  Cambodia
  Indonesia
  Laos
  Malaysia
  Myanmar
  Philippines
  Thailand
  Vietnam
  China (excluding Tibet)
  Singapore
  India
  Japan
  Korea
  Macau
  Sri Lanka
  Taiwan
Worldwide All other countries except for excluded countries

We will help pay you if your trip is cut short or you become stranded because of natural disasters or if there has been an unexpected civil commotion that prevents you from continuing with the scheduled trip. You are also covered for additional hotel stays incurred on your return to Hong Kong.

If the TIC registered travel company becomes insolvent and you can't proceed with your trip as planned, then we will help to compensate you.

If any member of your family becomes seriously injured or sick before your trip and you have to cancel then we will help reimburse your fare and accommodation charges less the amount you are able to claim from the travel provider or carrier.

If you, any member of your family or travel companion become serious injured or sick before your trip and have to cancel it then we will help reimburse your fare and accommodation charges less the amount you are able to claim from the travel provider or carrier.

Our claims process couldn't be simpler. You call us on our overseas number at (852) 2884 8899 and we take care of the rest! Click here to learn more about how to make a claim.

Always report to the police within 24 hours at the place of the accident, injury or loss, and get a copy of the police report.

You may only be covered under one DirectAsia.com travel policy for the same loss or damage. If you are covered under more than one, we will consider you as being covered under the policy with the highest benefit level.

Notify us as soon as possible and submit your claim to us with the following original documents or their copies (if applicable) within 30 days upon returning from your trip.

  • Completed Claim Form
  • Copy of passport showing departure and return dates
  • Copy of itinerary
Have questions?  Speak with us directly at (852) 2884 8888 or provide your details and we’ll call you back on the next working day.