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Travel Insurance for Hong Kong from India
With swanky malls, legalised casinos, gadget markets, and lush green nature, Hong Kong is easily a perfect international destination. The country draws millions of visitors every year, with Indians visiting in large numbers for business, education and tourism. While the country offers endless fun and experiences for a lifetime, it can also throw a curveball in case you find yourself in an emergency. From an unexpected flight delay to adventure sports gone wrong, make sure to secure your trip with Hong Kong travel insurance from India.
Is Travel Insurance Mandatory for Hong Kong?
No, it is not mandatory to buy travel insurance to visit Hong Kong. However, it is a very expensive place and even a minor situation can derail your budget.
Hong Kong is one city that never ceases to amaze its visitors. If you are a foodie, then this place has a lot to dig into. It offers nature lovers various options to immerse themselves in nature. For shopaholics, it’s a paradise. But all these have a different side to the coin, too. What if you get a food allergy, or you suffer an injury during that trek? What if your wallet is stolen in the busy Tsim Sha Tsui?
Whatever your reason for visiting Hong Kong, make sure that you are covered by overseas travel insurance for Hong Kong. From accidentally hurting yourself to losing your passport, trip insurance for Hong Kong will keep you safe throughout.
Fast Facts about Hong Kong
| Category | Specifications |
|---|---|
| Currency | Hong Kong Dollar (HKD) 1 HKD = 11 INR |
| Languages Spoken | Chinese (Cantonese) and English (widely used) |
| Capital | Hong Kong SAR (Special Administrative Region) or HKSAR |
| International Airports | Hong Kong International Airport |
| Time Zone | GMT+8 (2 hours 30 min ahead of India) |
| Best Time to Visit | October to March (pleasant weather, festivals, shopping season) |
| Emergency Numbers in Hong Kong | 999 (police, ambulance, fire) |
| Hong Kong Visa for Indians | Pre-arrival registration (PAR) required for 14 days or less |
| Calling code | +852 |
| Climate | Subtropical climate |
Key Benefits of Travel Insurance for Hong Kong
It is important to buy an overseas travel insurance policy while travelling to Hong Kong if you want to enjoy your trip peacefully. Some benefits of travel insurance for Hong Kong include:
Financial Backup: Your travel insurance for Hong Kong trip offers considerable support in case of major emergency expenses like healthcare, personal liability, theft of belongings, etc.
24X7 Assistance: Get help in Hong Kong through dedicated customer service navigating through local healthcare, authorities, language barriers and more.
Healthcare Expenses: Your medical insurance for Hong Kong trip will provide medical coverage for emergency hospitalisation due to an injury or illness, including dental emergencies, surgeries, medical evacuation and repatriation of mortal remains.
All-Risk Coverage: A comprehensive travel insurance for Hong Kong would cover all the major risks that may arise during an international trip such as emergency medical expenses, personal accident expenses, medical evacuation cover, trip cancellation, and theft. There are various add-on benefits that one can opt for.
What Does Travel Insurance for Hong Kong Cover?
Travel insurance for Hong Kong from India covers several things. Some of the common inclusions and exclusions are as follows:
Covered in Policy
The following are the cases that are mostly covered under your international travel insurance policy for Hong Kong:
Medical Expenses
Travel medical insurance for Hong Kong covers hospitalisation expenses, evacuation and repatriation expenses in case of an emergency.
Personal Liability
If you somehow become liable to a third party while travelling abroad, then your India to Hong Kong travel insurance will help you shoulder the costs.
Flight Cancellations
In case your flight is cancelled due to covered reasons, this Hong Kong travel insurance will compensate you for additional expenses.
Flight Delay
You will be compensated by your Hong Kong trip insurance for the inconvenience of your delayed flight if it is over a certain time limit.
Home Burglary Insurance
In case of a burglary at your home back in India while you're on your trip, travel insurance for Hong Kong trip will compensate you for the losses as per your policy term.
Passport Loss
Your tourist insurance Hong Kong will cover you for the costs incurred in getting a new or duplicate passport.
Baggage Loss
If your airline misplaces or damages your luggage, then your Hong Kong travel insurance policy will provide a fixed sum to reimburse you for those damages.
Not Covered in Policy
The following are the cases that are not covered under your international travel insurance policy:
Medical Tourism: If you are travelling to get a medical treatment here, then you won't get any coverage benefits
Nervous/Mental Disorders: Any medical expenses caused by nervous or mental disorders will not be covered under this Hong Kong trip insurance
Pre-existing Diseases: Your Hong Kong travel insurance will not cover any medical expenses due to pre-existing conditions. You may buy an add-on that covers PED if you need additional coverage.
War or Terrorism: Losses incurred due to civil war, rebellion, military actions, chemical or biological weapons, and acts of terrorism are not covered.
Losses due to Negligence: If you incur a loss due to your own negligence, it won't be covered by the insurer. For example, if you left your passport unattended and it was stolen, then you won't be covered for it.
Illegal Acts: If a claim arises because you committed a breach of the law in the country you are visiting, your travel insurance for Hong Kong trip will not cover it.
Suicide/Self-inflicted Injury/Drug Use: Travel insurance from India to Hong Kong will not cover any claim in case of intentional injury or damage you cause to yourself. It will also not cover any claim if you suffer a loss because of inebriation.
Visa Information for Hong Kong from India
The type of visa you need to enter Hong Kong will depend on the purpose of your visit. Mentioned below are the various types of Hong Kong Visa:
➣ Work Visa
➣ Dependent Visa
➣ Permanent Residency Visa
➣ Student Visa
Other than these, Hong Kong also offers PAR or Pre-Arrival registration to many foreigners, for which you need to apply in advance.
Documents Required for Hong Kong Travel
Since visiting Hong Kong requires a visa first, you must apply for it in advance. You also need to take care of other formalities and documentation required. Here are some important documents required before travelling to Hong Kong:
Hong Kong Entry Requirements from India
Indians can visit Hong Kong visa-free after getting a PAR. Here are some other documents required to prepare for your trip:
Hong Kong visa for Indians
Vaccination proof
Proof of sufficient funds
Hong Kong travel insurance from India(recommended)
Travel Insurance Purchase
The following are the documents required to purchase travel insurance.
Passport number of travellers
ID proof (PAN/Aadhar etc.) for KYC for the proposal form*
*You must also have your travel dates and destination for the proposal form.
Hong Kong Travel Insurance Claim
The following are the documents required for travel insurance claim.
FIR or police report for criminal cases
Copy of your passport with immigration stamps
ID Proof
Completed claim forms
Copy of your original policy
Original bills and receipts
You may be asked to provide all of these or more documents, depending on your claim.
Travel Guide for Indians Visiting Hong Kong
Here are some essential things to know to help you get started on your journey planning:
Know Hong Kong Airports
Hong Kong has only one international airport, the Hong Kong International Airport or Chek Lap Kok International Airport. Flights from Mumbai, Delhi, Bangalore and Chennai land here. It is a major hub for international carriers and is well connected by taxis, Airport Express train and buses.
Currency in Hong Kong
The currency used in Hong Kong is the Hong Kong Dollar (HKD). Here is the latest exchange rate to get an estimate: 11.34 INR = 1 HKD = 0.13 USD
Indian Embassy in Hong Kong
You can contact the Indian Consulate in Hong Kong in case of an emergency situation involving political upheavals, natural calamities, loss of passport and other emergencies. The emergency hotline for weekends, holidays and emergencies is 9077 1083.
Why Buy from Policybazaar.com?
Buying from us comes with a lot of benefits:
Travel insurance for Hong Kong from India
Easy Comparison: Compare multiple policies on the go
Accepted Worldwide: Plans that are approved worldwide, including visa insurance requirements.
Budget-friendly: Find the cheapest travel insurance for Hong Kong
Instant Issuance: Get your policy within minutes
Global Support: Emergency & claim assistance throughout the world
Hong Kong Travel: Safety & Precautionary Measures to be Undertaken
Just like every place in the world, Hong Kong has risks of its own. For your own safety, keep these in mind:
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Emergency Assistance: Dial 999 for an emergency (fire, police, ambulance)
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Travel and Health Insurance: Medical care here can be expensive, so don’t forget to buy a suitable travel medical insurance for Hong Kong before coming here.
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Avoid Carrying Valuables: Especially in crowded areas like Tsim Sha Tsui and Mong Kok markets, don’t wear expensive jewellery, gadgets or prepaid forex cards.
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Mind the Local Laws: Hong Kong has strict laws; you can’t smoke publicly, you will be fined for littering, and even minor violations mean heavy fines.
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Weather Precautions: Avoid visiting during June-September as Hong Kong is prone to typhoons and heavy rains.
What’s more, you should buy international travel insurance for Hong Kong as soon as you're done booking flights and hotels. This will provide better coverage even if the trip is delayed or cancelled due to unpredictable reasons.
Hong Kong Travel Insurance Add-Ons
While a standard travel insurance plan may cover basics like medical emergencies, trip cancellation or flight-related issues, you should choose the right add-ons to make your Hong Kong trip even more secure.
For instance, if you plan to hike in Dragon’s Back or try water sports at nearby beaches, make sure to buy adventure sports cover along with your Hong Kong travel insurance.
If you suffer from high blood pressure or a health condition, then you can buy a pre existing disease add-on which will cover you incase you face a medical emergency caused by it. This benefit is not provided by regular plans, so a PED add-on will help you avoid major costs in an expensive place like Hong Kong.
Hong Kong Itinerary
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1Decide your trip duration and finalise your travel dates
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2Book flights and reserve hotels
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3Shortlist places you wish to visit in Hong Kong
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4Decide on activities you wish to try in Hong Kong
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5Book/buy train/flight tickets in Hong Kong
Money-Saving Tips for Hong Kong
Given its abundant attractions and well-developed cities, Hong Kong offers a spectacular experience to tourists. However, exploring the whole city without a proper budget could burn a hole in your pockets. Here are some ways to save money while traveling to Hong Kong:
Visit Free Attractions
You should not miss out on experiences like the Star ferry ride, Victoria Harbour’s Symphony of Lights show, Nan Lian Garden & Chi Lin Nunnery, Temple Street Night Market. These are mostly free or very low-cost attractions.
Pick Affordable Area to Stay
Pick budget stays in Tsim Sha Tsui, Mong Kok and Causeway Bay for comfortable and affordable options.
Buy Octopus Card
This travel card will let you explore Hong Kong for buses, MTR, ferries, trams and a few convenience stores.
Klook Combo Tickets
Buy Hong Kong pass or Klook combo tickets to visit popular attractions like Ocean Park Ngong Ping 260, Disneyland.
Save on Food
Go for ‘Cha Chaan Teng’ or Hong Kong-style cafes that offer cheaper but hearty meals.
Most Visited Places in Hong Kong
Hong Kong has something to offer people of different tastes. Take a look at the various places to Visit in Hong Kong:
The Peak: Also called Victoria Peak, it offers the best view of Hong Kong’s skyline and harbour. You can reach it via tram or a hiking trail.
Victoria Harbour: It is a stunning harbour famous for its night views and free light & sound show every evening.
Disneyland: If you have always dreamt of visiting Disneyland, Hong Kong has it for you. Ideal for families and Disney lovers.
Tian Tan Buddha: This giant bronze statue of the Buddha in Po Lin Monastery is a popular place to visit in Hong Kong.
Lan Kwai Fong: Popular among young travellers who are about that nightlife, clubbing and exploring restaurants.
Nan Lian Garden: Offers free entry to the garden as well as Chi Lin Nunnery. Known for traditional Chinese gardens and temple architectures.
Ladies’ Market: Situated in Mong Kok, it offers perfect budget shopping for bags, clothes, accessories and more. Ideal for some souvenir shopping.
How Can Indians Complete PAR to Visit Hong Kong?
Indian nationals are eligible to visit Hong Kong without a visa if they have successfully completed their Pre-Arrival Registration (PAR) online.
Simply feed the required information, which will be automatically processed by the computer system, and you will instantly get the results. The registration is valid for 6 months, and you can visit Hong Kong for a span of 14 days for multiple journeys. If you have planned your visit to Hong Kong, then it is suggested that you apply for a PAR 4 to 6 weeks in advance.
Best Time to Visit Hong Kong
Hong Kong has different weather conditions throughout the year, and during the rainy season, the city is prone to typhoons as well. The city is located in the Subtropical region, which makes it suitable to visit around the year. Spring lasts from March to May and is the ideal time to experience the beautiful weather and to enjoy the Hong Kong beaches.
It is also fun to visit the city during September and November as the skies are clear and low humidity makes it suitable to indulge in Outdoor activities. During mid-November, the city enjoys the Winter Fest, and the celebrations continue till New Year's Day. It is also one of the best times to visit Hong Kong.
Secure your Hong Kong trip anytime of the Year
Things to Do in Hong Kong
Hong Kong is definitely a paradise for tourists, and if you have a Hong Kong travel insurance policy in place, you can enjoy your vacation without any worry. Here are some of the things that you should not miss out on while visiting Hong Kong:
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Hong Kong Harbour Night Cruise and Dinner at Victoria Peak
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Madame Tussauds in Hong Kong
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Small-Group Hong Kong Island Food Tour
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Worship at the Man Mo Temple
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Hong Kong Pink Dolphin Watching Cruise
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Shenzhen Sightseeing and Shopping Tour from Hong Kong
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Lantau Enlightenment Afternoon Tour
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Hong Kong Sham Shui Po District Food Tour with Tastings
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Hong Kong Disneyland Admission with MTR Transportation
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LanLantau Island Tour: Cable Car, Giant Buddha, Tai O Boat Ride
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Hong Kong Shore Excursion: Full-Day City Sightseeing Tour
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Hong Kong Travel Pass with MTR, Ngong Ping, Big Buddha Tour
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Skip the Line: Hong Kong Ocean Park Admission
Travel Insurance Hong Kong: FAQs
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Q. Is travel insurance for Hong Kong mandatory?
Ans: As of now it's not compulsory to buy travel insurance for Hong Kong, however, it’s strongly recommended so that you’re completely safe and free of any stress in case something goes wrong. -
Q. What are the benefits offered under a Hong Kong travel insurance policy?
Ans: Most travel insurance plans offer benefits like coverage for medical expenses, accidental injuries, loss or destruction to your checked baggage, emergency cash assistance, evacuation and repatriation expenses and more, depending on the insurer. -
Q. What are the different types of Hong Kong travel insurance plans?
Ans: Depending upon your requirements, there are varying travel insurance for Hong Kong: Single Trip Hong Kong Travel Insurance Plans, Annual Multi-trip Hong Kong Travel Insurance Plans, Family Hong Kong Travel Insurance Plans, Student Hong Kong Travel Insurance Policy, etc. -
Q. Is the loss of checked-in baggage covered under Hong Kong travel insurance policy?
Ans: Most travel insurance for Hong Kong offer compensation in case your checked-in baggage gets lost while travelling in a common carrier. -
Q. What is the medical coverage under travel insurance for Hong Kong?
Ans: Medical coverage under travel health insurance usually includes all life-threatening health emergencies and other covered emergencies that you may face in a foreign land. It includes the hospitalisation cost, doctor fees, dental cover, and medical evacuation costs in case of accidental demise. -
Q. What are non-medical covers under the Hong Kong travel insurance policy?
Ans: Non-medical coverage under a Hong Kong travel insurance policy includes flight and trip delay, loss of passport, personal liability, baggage loss, etc.
Travel Insurers
Aditya Birla
Bajaj Allianz
Care
Cholamandalam MS
Digit
Future Generali
HDFC ERGO General
ICICI Lombard
IFFCO Tokio
National Insurance
Disclaimer: The list of insurers mentioned are arranged according to the
alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any
particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of
insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India
refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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* Price shown is for a 30 day trip to Hong Kong with 50,000 dollar coverage for an adult of age 25 years
