SHLT High Light Tours Inc.

COVID Upgrade 50K

Single / Annual Plan:: All trips must depart from and return to Hong Kong

Select a plan:: Family plan shall apply to any one of the legal couple, and their legitimate child(ren) aged below 18.

No. of Insured Person:

Area of Travel:: Only Extra Plan Valid Worldwide INCLUDING Schengen Countries.; No Covid-19 coverage for destinations to China including Hong Kong, Macau, and Taiwan.

Departure Date (DD/MM/YYYY):

Arrival Date (DD/MM/YYYY):

Promo Code

Essential

Extra

Coverage

Sum Insured (PHP)

Section 1 - Accidental Death and Disablement (Common Carrier Benefit)

1,000,000

1,200,000

Pays for death or permanent disablement arising within 12 months of an incident

1,000,000

1,200,000
Section 3 - Medical Expenses

up to 1,000,000

up to 2,500,000

Reimburses actual expenses for treatment of injury or sickness

up to 1,000,000

up to 2,500,000

Follow up Medical Treatment

Reimburses medical expenses incurred within 30 consecutive days after returning to the Philippines

up to 100,000

up to 250,000
Section 3b - Overseas Hospital Cash

500 Per Day/
5,000 Per Trip

1,000 Per Day/
10,000 Per Trip

Pays cash benefit for each day of hospital confinement due to injury or sickness while abroad

500 Per Day/
5,000 Per Trip

1,000 Per Day/
10,000 Per Trip
Section 3c - First Medical Assistance in case of Pre-existing illness

15,000

25,000

Pays for urgent medical assistance in case of sudden and acute illnesses

15,000

25,000
Section 3d - Amateur Sports

Included

Included

Pays for medical treatment for injuries sustained from recreational sport activities during a trip abroad

Included

Included
Section 4c - Hospital Admission Guarantee

up to 500,000

up to 1,000,000

Provides guaranteed payment of hospital admittance fees

up to 500,000

up to 1,000,000
Section 12 - Personal Liability

up to 2,000,000

up to 2,500,000

Pays for legal cost in respect of accidental bodily injury or property damage to third parties due to negligence

up to 2,000,000

up to 2,500,000

Section 1 - Accidental Death and Disablement (Common Carrier Benefit)

1,000,000

1,200,000

Pays for death or permanent disablement arising within 12 months of an incident

1,000,000

1,200,000
Section 2 - Burns Benefit

up to 100,000

up to 120,000

Pays for second or third degree burns as a result of an injury

up to 100,000

up to 120,000
Section 3 - Medical Expenses

up to 1,000,000

up to 2,500,000

Reimburses actual expenses for treatment of injury or sickness

up to 1,000,000

up to 2,500,000

Follow up Medical Treatment

Reimburses medical expenses incurred within 30 consecutive days after returning to the Philippines

up to 100,000

up to 250,000
Section 3b - Overseas Hospital Cash

500 Per Day/
5,000 Per Trip

1,000 Per Day/
10,000 Per Trip

Pays cash benefit for each day of hospital confinement due to injury or sickness while abroad

500 Per Day/
5,000 Per Trip

1,000 Per Day/
10,000 Per Trip
Section 3c - First Medical Assistance in case of Pre-existing illness

15,000

25,000

Pays for urgent medical assistance in case of sudden and acute illnesses

15,000

25,000
Section 3d - Amateur Sports

Included

Included

Pays for medical treatment for injuries sustained from recreational sport activities during a trip abroad

Included

Included
Section 4 - Starr Global Emergency Assistance Services

Included

Included

(a) Round-the-clock Hotline ServiceProvides 24-hour hotline for travel assistance, business concierge and medical assistance

Included

Included

(b) Emergency Medical Evacuation and RepatriationProvides emergency medical evacuation and repatriation due to serious injury or sickness

Included

Included

(c) Compassionate Visit

(i) Hospitalization of Insured Person (at least 7 days)Pays for cost of airfare and accommodation of one relative or friend up to 5 consecutive nights

Travel expense plus
up to 5,000/day

Travel expense plus
up to 5,000/day

(ii) Death of Insured PersonPays for cost of airfare and accomodation of one immediate family member up to 5 consecutive nights

Travel expense plus
up to 5,000/day

Travel expense plus
up to 5,000/day

(iii) Death of Immediate Family Member of the InsuredPays for cost of round trip airfare returning to the Philippines

Travel expense plus
up to 5,000/day

Travel expense plus
up to 5,000/day

(d) Return of Dependent ChildPays for cost of one way airfare for sending back an unattended child during the hospitalization of the insured person

Travel expense plus
up to 5,000/day

Travel expense plus
up to 5,000/day

(e) Repatriation of Mortal RemainsPays for return of remains to the Philippines of the Insured person, as a result of sickness or injury

Covered

Covered
Section 4c - Hospital Admission Guarantee

up to 500,000

up to 1,000,000

Provides guaranteed payment of hospital admittance fees

up to 500,000

up to 1,000,000
Section 5 - Personal Baggage

up to 50,000

up to 50,000

Pays for loss of or damage to baggage and personal effects.

up to 50,000

up to 50,000

Sub-limit per item / pair / set of articles

7,000

7,000

Sub-limit for lap-top computer

8,000

10,000
Section 6 - Baggage Delay

up to 5,000

up to 5,000

Pays for emergency purchase of necessary clothings or toiletries due to baggage delay after 6 hrs.

up to 5,000

up to 5,000

Pays cash benefit for baggage delay after 6 hours upon return to the Philippines

1,500

1,500
Section 7 - Personal Money

up to 5,000

up to 10,000

Pays for loss of cash, signed traveller's cheque or money order due to theft, robbery, or burglary.

up to 5,000

up to 10,000
Section 8 - Document Loss

up to 50,000

up to 50,000

Document Loss

up to 50,000

up to 50,000

Reimburses replacement cost of lost travel documents, additional travel and/or accommodation expenses due to theft, robbery, or burglary
(Maximum per day limit for travel and accommodation expenses).

up to 8,000
Per Day

up to 10,000
Per Day
Section 9 - Travel Delay and Re-Route

2,000 per 6 hours
up to 20,000

2,000 per 6 hours
up to 20,000

Pays cash benefit for common carrier delay due to strike, riot, civil commotion, hijack, adverse weather or mechanical fault after 6 hours

2,000 per 6 hours
up to 20,000

2,000 per 6 hours
up to 20,000

Reimburses additional travel expenses incurred for re-routing if the common carrier is cancelled or delayed for over 12 hours due to above reasons

up to 20,000

up to 20,000
Section 10 - Trip Cancellation

up to 150,000

up to 150,000

Pays for travel and/or accommodation expenses in the event of trip cancellation due to: death, serious injury, serious sickness of insured person/immediate family member/travel companion/business partner; witness summons, compulsory quarantine or jury service of an insured person; strike, riot or civil commotion, adverse weather conditions or infectious disease at the planned destination; serious damage to the insured person's residence from fire or flood

up to 150,000

up to 150,000
Section 11 - Trip Curtailment

up to 150,000

up to 150,000

Pays for travel and/or accommodation expenses incurred for trip curtailment due to: death, serious injury, serious sickness of an insured person/immediate family member/travel companion/business partner; strike, riot or civil commotion, adverse weather conditions or infectious disease at the planned destination

up to 150,000

up to 150,000
Section 12 - Personal Liability

up to 2,000,000

up to 2,500,000

Pays for legal cost in respect of accidental bodily injury or property damage to third parties due to negligence.

up to 2,000,000

up to 2,500,000
Section 13 - Rental Vehicle Excess

up to 5,000

up to 10,000

Reimburses the excess of the rented vehicle insurance, in case the rented vehicle is stolen, damaged or involved in a collission

up to 5,000

up to 10,000
Section 14 - Loss of Credit Card

up to 5,000

up to 10,000

Reimburses monetary loss of credit card as a direct result of theft, robbery or burglary

up to 5,000

up to 10,000

Show More Download Product Brochure and Policy Specimen

Product Highlights

Cover for terrorism
Medical expenses up to Php 2,500,000 including in and outpatient treatments
No sublimit or restriction on outpatient expenses and number of doctor visits
Follow up Medical Treatment benefit up to Php 250,000
Hospital Admission Guarantee benefit up to Php 1,000,000
No co-payment or deductible
Personal accident benefit covers 18 different events of disablement and accidental death
Provides cover for amateur hazardous sports, such as hot air ballooning, scuba diving, skiing, etc.
Extends to cover rental vehicle excess
Assist Card Assistance Services providing assistance in 197 countries and 17,000 cities
The company reserves the right to update the information as necessary

Global Emergency Assistance Services

Starr Global Emergency Assistance Services is supported by Assist Card which is one of the subsidiaries of Starr Companies. Assist Card has more than 400,000 service providers providing travel assistance services in 197 countries and 17,000 cities around the world.

Major Exclusions

War, suicide, pregnancy, childbirth, any illegal or unlawful act, HIV-related illness including AIDS, professional sport, riding or driving in any kind of motor racing competition, loss connected to the effects of alcohol or drugs, psychosis, jewelry or accessories, mobile phone, antique, fragile articles, unlawful acts and any pre-existing conditions. Travel in, to or through Afghanistan, Cuba, Iran, North Korea, Sudan, Syria or Iraq.
View General Exclusions

Age Limit

Single Trip Plan: 6-months old – 85 years old
Annual Travel Plan: Enroll up to 70 years old and renewable up to 75 years old.

General Conditions

An individual applicant must be at least 18 years old to apply for travel insurance.
An insured person or traveler aged from 6-months old to 85 years old is eligible to purchase a Short-Term Travel Plan.
An insured person or traveler aged from 76 years old to 80 years old will require a premium loading of 100%.
An insured person or traveler aged from 81 years old to 85 years old will require a premium loading of 200%.
The maximum age eligible for purchasing an Annual Travel Plan is 70 years old and is renewable until 75 years old.
For an insured person aged 17 and below, the maximum sum insured for Accidental Death and Disablement is 25% of the sum insured.
Maximum number of days per trip is 180 days for Short Term Travel policies.
Maximum number of days per trip is 90 days for Annual Travel policies.
Personal money cover is not applicable to insured person aged 10 or below.
Insurance cover on Short Term Travel Policies will be automatically extended for up to a maximum of 7 days at no additional premium, if the return trip is unavoidably delayed due to unforeseen circumstances beyond the control of the insured person.
Written notice (Email : claimcare.ph@starrcompanies.com) of a claim must be given and notified to Starr Philippines within 30 days of the incident.
The Policyholder may cancel this Policy within five (5) days of purchasing this Policy provided this Policy is valid for a minimum of 30 days by giving us a written notice Email: customercare.ph@starrcompanies.com
All services under Section 4 – Starr Global Emergency Assistance Services must be arranged by Starr Global Emergency Assistance.
This brochure provides a summary of the plan only and is not a contract of insurance. Please refer to the policy wordings for the complete details of the benefits.

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