Travel Insurance for Hong Kong from India Starts @ ₹25.6/- Per Day
Travel Insurance for Hong Kong from India Starts @ ₹25.6/- Per Day
Hong Kong attracts thousands of Indian tourists with its breathtaking skyline, lively markets and rich culture. Planning your journey involves booking flights, arranging hotels and deciding what to see. However, many tourists overlook protecting themselves against unexpected problems during their trip.
Medical emergencies, stolen belongings or lost passports can happen to anyone exploring a foreign destination. Healthcare costs in Hong Kong are far higher than in India and without buying a travel insurance policy beforehand, treatment bills can become overwhelming in case of something as minor as a food allergy. That is why smart travellers secure proper coverage before departure, which ensures they can enjoy this vibrant city worry-free.
Expert's Guide to Hong Kong Visa for Indians
Hong Kong Transit Visa for Indians
Is Hong Kong Travel Insurance Mandatory for Indians
Indian tourists don't need mandatory travel insurance to enter Hong Kong. However, buying a travel insurance policy before your trip is highly recommended. Even the most well planned trips can have hurdles like delayed or missed flights, lost passports and delayed luggage.
Our travel insurance Hong Kong plans protect you from unexpected expenses. We cover medical bills, baggage issues, passport problems, accidents and more. This lets you explore Hong Kong's skyline, markets and temples without financial worry.
Benefits of TATA AIG Hong Kong Travel Insurance
Affordable Travel
Our travel insurance Hong Kong starts at just ₹25.6 per day. These plans give you extensive protection against medical emergencies, baggage troubles and passport loss throughout your trip.
Accident & Sickness Medical Expense
TATA AIG travel health insurance Hong Kong covers medical costs up to $200,000 for emergencies. This includes hospital stays, doctor visits, medicines and emergency ambulance services.
Baggage Delay
If airlines delay your bags at arrival, we pay up to $75. Use this to buy essentials like clothes and toiletries immediately. Save your receipts for the future and submit them for reimbursement.
Baggage Loss
When airlines permanently lose your luggage, we provide up to $1,000 coverage. Our best travel insurance Hong Kong policy covers theft and bags that are never recovered.
Loss of Passport
Our travel insurance policy includes up to $250 if you lose your passport in Hong Kong. We help cover replacement costs, including application fees, photos and embassy visits.
Personal Liability
We offer personal liability protection up to $200,000. If you accidentally damage property or hurt someone, we cover it. This includes property damage, medical bills and legal claims.
24/7 Assistance
TATA AIG provides round-the-clock help during your Hong Kong trip. For medical emergencies, we arrange hospital admission and treatment quickly. We also help locate lost baggage, arrange passport replacements and handle crises. Call 022-6489-8282 anytime.
Quick Online Purchase
Buy travel insurance online for Hong Kong through our website, mobile app or by calling 022-6489-8282. Your policy documents arrive in your email immediately after purchase.
**Disclaimer: *TATA AIG Travel Insurance – Asia Brochure - Gold Plan UIN: TATTIOP25042V052425.
Types of TATA AIG Travel Insurance India to Hong Kong
| TATA AIG Travel Insurance – Asia Gold | Medical expenses up to $200,000 with daily hospitalisation at $1,500 for 30 days ICU at $3,000 daily for 7 days and surgery up to $10,000 Anaesthetist fees at 25% of surgery costs and doctor visits at $75 for 10 consultations Diagnostic tests up to $500 and ambulance up to $400 Baggage delay $75 and baggage loss up to $1,000 Passport loss up to $250 with emergency evacuation included Personal liability up to $200,000 and accidental death up to $15,000 |
|---|---|
| TATA AIG Travel Insurance – Asia Silver Plus | Medical coverage up to $100,000 with hospitalisation at $1,500 daily for 30 days ICU at $3,000 per day for 7 days and surgery up to $10,000 Anaesthetist fees at 25% of surgery costs and doctor visits at $75 for 10 consultations Diagnostic tests up to $500 and ambulance up to $400 Baggage delay $75 and baggage loss up to $1,000 Passport loss up to $250 with evacuation included Personal liability up to $150,000 and accidental death up to $12,000 |
| TATA AIG Travel Insurance – Asia Silver | Medical coverage up to $50,000 with hospitalisation at $1,500 daily for 30 days ICU at $3,000 per day for 7 days and surgery up to $10,000 Anaesthetist fees at 25% of surgery costs and doctor visits at $75 for 10 consultations Diagnostic tests up to $500 and ambulance up to $400 Baggage loss up to $500 and passport loss up to $250 Emergency evacuation included with personal liability up to $100,000 Accidental death up to $10,000 |
Disclaimer: *TATA AIG Travel Insurance – Asia Brochure - Gold Plan UIN: TATTIOP25042V052425.
**Please Note: Coverage benefits are subject to policy conditions and deductibles. Please refer to the policy wording for further details.
Hong Kong Travel Insurance - Inclusions and Exclusions
Travel Insurance Policy Inclusions - What is Covered
Medical Expenses for Accidents and Illness: Covers doctor bills and hospital costs if you get injured or fall sick while visiting Hong Kong.
24x7 Assistance Services: Provides help anytime for hospital arrangements, emergency transport, legal matters, lost passport or luggage and other urgent needs.
Delay and Loss of Baggage: Gives you money to buy essential items when bags arrive late and covers the full value if luggage is lost permanently.
Personal Liability Protection: Covers legal expenses and compensation if you injure someone or damage the property during your visit.
Emergency Medical Evacuation: Pays to move you to a proper hospital nearby or fly you back to India if you need serious medical care.
Loss of Passport: Covers fees and expenses to get a replacement passport if yours gets lost or stolen in Hong Kong.
Accidental Death and Dismemberment: Provides compensation to the family if the insured person dies in an accident or suffers permanent injuries, like losing limbs or eyesight.
Repatriation of Remains: Covers all expenses to bring the insured's remains back to India if they pass away while travelling.
Travel Insurance Policy Exclusions - What is Not Covered
Travel Against Medical Advice: Coverage doesn't apply if you travel when your doctor advised against it due to health issues.
Pre-existing Medical Conditions: Health problems you already had before buying the travel insurance policy are not covered.
Self-Inflicted Harm or Suicide: Injuries you cause to yourself intentionally, including suicide attempts, are excluded except when defending yourself.
Sexually Transmitted Conditions: Medical issues from STDs are not included in coverage.
Military Service or War Participation: Injuries during military duty or from war, combat or political violence are excluded.
Substance Influence: Injuries while intoxicated or using drugs are not covered unless someone else caused the accident.
Unlawful Acts or Riots: Losses from participating in riots, committing crimes or illegal activities are excluded.
Aviation-Related Activities: Flying aircraft, taking flying lessons or working as a flight crew is not covered.
Terrorism and Nuclear Risks: Damage from terrorist attacks, nuclear incidents or chemical/biological weapons is excluded.
Hazardous Sports and Activities: Dangerous activities like skydiving, rock climbing, bungee jumping, deep-sea diving and motor racing are excluded unless your policy specifically covers them.
Pregnancy and Childbirth: Any Medical expenses related to pregnancy, childbirth or pregnancy complications are not covered.
How to Get Travel Insurance for Hong Kong from TATA AIG
Step 1: Visit the TATA AIG Website: Go to the TATA AIG website and navigate to the International Travel Insurance section.
Step 2: Enter Trip Details: Select Hong Kong as your destination. Fill in your departure date, return date, number of travellers and other requested information.
Step 3: Compare Plans: Click "See Plans" to view all available travel insurance Hong Kong options and coverage levels.
Step 4: Provide Details and Pay: Enter your personal information and upload identity documents accurately. Complete payment through secure online banking, debit card or credit card.
Step 5: Get Instant Policy: Your travel insurance policy documents will be emailed to you within minutes after successful payment confirmation.
Consider annual travel insurance Hong Kong if you plan multiple visits throughout the year, as it covers all your trips with a single policy.
Why Do You Need Hong Kong Travel Insurance
Visiting Hong Kong is a delightful experience; nevertheless, unanticipated circumstances have the ability to make any trip more challenging. Medical emergencies, lost belongings and accidents require financial protection. Here's how travel health insurance Hong Kong:
Scenario 1: Slip and Fall at Victoria Peak
While exploring Victoria Peak's scenic viewpoints, you slipped on wet stairs during rain. The fall caused an ankle fracture requiring immediate hospital attention. Emergency care and treatment costs at Hong Kong's private hospitals shocked you with their high rates.
How Can We Help
TATA AIG best travel insurance Hong Kong covers all accident medical expenses including hospital admission, doctor fees, medicines and ambulance charges so you can focus on healing.
Scenario 2: Sudden Illness in Tsim Sha Tsui
After exploring Tsim Sha Tsui's bustling shopping districts, you developed some stomach pain and breathing difficulty. The symptoms worsened rapidly, requiring urgent admission to a private medical facility where international patient treatment proved extremely expensive.
How Can We Help
Our coverage pays for complete medical treatment including hospitalisation costs, prescribed medications and all necessary doctor consultations until you recover safely.
Scenario 3: Luggage Missing After Transit
Your flight from Mumbai transited through Bangkok before reaching Hong Kong. Upon landing at Hong Kong International Airport, your checked bags didn't arrive. After days of searching, the airline couldn't trace your luggage.
How Can We Help
When you buy travel insurance Hong Kong with TATA AIG, we compensate up to $1,000 for permanently lost baggage, letting you purchase replacement clothing, toiletries and essentials immediately.
Scenario 4: Wallet Stolen on MTR
While riding the crowded MTR during rush hour, a pickpocket stole your bag containing your passport, credit cards and emergency cash. Without identification or funds, returning home seemed impossible and you felt stranded.
How Can We Help
We provide up to $250 for passport replacement covering embassy fees, photographs and documentation. Our assistance team guides you through the entire process smoothly.
Scenario 5: Broke Restaurant Property in Central
While dining at a Central district restaurant, you accidentally knocked over an expensive decorative item while reaching for your phone. The item shattered and management demanded immediate compensation for the damage.
How Can We Help
Our cheap travel insurance Hong Kong includes personal liability coverage up to $200,000, which handles accidental property damage costs so you pay nothing out of pocket.
How to File a Claim for the Hong Kong Travel Insurance with TATA AIG
Filing claims with TATA AIG is simple and efficient. Follow our straightforward process, submit necessary documents and we'll process your claim quickly.
Steps to Follow to File a Claim for TATA AIG Travel Insurance
Inform Us Promptly: Contact TATA AIG within 7 days of the incident via email, phone or mobile app to report your loss.
Secure Your Belongings: For lost, damaged or stolen items, file a police report within 24 hours and attempt property recovery.
Get Pre-Authorisation: Before receiving medical treatment under your travel insurance policy, contact us for prior approval to ensure faster claim processing.
Complete Claim Forms: We'll provide claim forms. Fill all sections accurately with correct information and sign before submitting.
Send Supporting Documents: Submit the completed form with all supporting documents like bills, receipts and medical reports within 30 days.
Await Settlement: Our team reviews your documents, approves your claim and processes payment promptly once verified.
Documents Needed to File a Claim
Completed Claim Form: Filled and signed the form with accurate details for the insured traveller.
Original Bills: All medical bills, pharmacy receipts, hospital invoices, doctor fees, diagnostic test charges and treatment receipts.
Medical Documentation: Complete medical reports, hospital records, investigation results, doctor's notes, treatment details and discharge summaries.
Diagnosis Report: Specific diagnosis from the treating physician explaining the medical condition clearly.
Treatment Breakdown: Itemised list of all services, treatments, procedures, tests and medications with individual costs for each.
Valid Prescriptions: Doctor's prescription showing your name, medicines prescribed, dosage, costs and signed payment receipts.
Legal Certificates: Death certificate, disability certificate, police FIR, postmortem report or other relevant legal documents when applicable.
Additional Proof: Any other documents requested by our Claims Department relevant to your annual travel insurance Hong Kong coverage.
Important Contact Information for Claim Assistance
Visit Our Website: Visit TATA AIG website to register your travel insurance Hong Kong claim online and upload documents.
Use Mobile App: Download the TATA AIG app from Play Store or App Store to file claims conveniently from your phone.
Call Helpline: Dial our toll-free number 022-6489-8282 to report your claim immediately through our support centre.
Email Us: Write to general.claims@tataaig.com with your claim details, policy number and incident information for prompt assistance.
Choose any method to start your claim process quickly and get the support you need during your Hong Kong visit.
Best Time to Visit the Hong Kong
Hong Kong has pleasant weather year-round, so visit based on your preferences. Cool, dry months bring comfortable temperatures, while summer offers festivals despite heat and rain.
| Season (Temp & Months) | "What to Expect | Things to Know Before Visiting |
|---|---|---|
| Cool Season (15–20°C) November – February | Clear skies and comfortable temperatures make this perfect for exploring outdoor attractions and hiking trails. | The most popular tourist season means higher hotel rates, so book accommodations at least two months ahead. |
| Hot Season (26–31°C) May – September | Hot and humid with afternoon thunderstorms that pass quickly, leaving evenings pleasant for dining out. | This is when cheap travel insurance Hong Kong becomes essential as heat increases during these months. |
| Spring/Autumn (20–26°C) March, April, October | Mild temperatures with occasional showers that don't disrupt sightseeing plans much. | These shoulder months offer the best value with fewer tourists and comfortable weather for walking around. |
Recommended 10D Itinerary for Hong Kong and Estimated Costs
This 10-day plan covers Hong Kong's urban attractions, natural beauty and cultural highlights. You'll explore bustling markets, scenic peaks and traditional villages.
Total estimated budget: ₹90,000 to ₹1,40,000 per person.
| Days | Highlights |
|---|---|
| Day 1 | Arrive at Hong Kong International Airport and check into your hotel in Tsim Sha Tsui |
| Day 2 | Ride the Star Ferry to Central, then take the Peak Tram up to Victoria Peak for panoramic views |
| Day 3 | Explore Wong Tai Sin Temple in the morning, followed by shopping at Mong Kok's street markets |
| Day 4 | Visit Tian Tan Buddha on Lantau Island and ride the Ngong Ping 360 cable car |
| Day 5 | Spend the day at Hong Kong Disneyland enjoying rides and entertainment shows |
| Day 6 | Take a ferry to Lamma Island for hiking and fresh seafood lunch at waterfront restaurants |
| Day 7 | Walk through Nan Lian Garden, then explore the Chi Lin Nunnery's beautiful architecture |
| Day 8 | Shop along Nathan Road and visit the Temple Street Night Market after sunset |
| Day 9 | Take a day trip to Macau to see colonial architecture and try your luck at casinos |
| Day 10 | Relax at Repulse Bay Beach and visit Stanley Market for souvenirs |
| Day 11 | Enjoy dim sum breakfast before heading to the airport for departure |
Must-See Attractions in Hong Kong
Victoria Peak: Hong Kong's highest point offers breathtaking 360-degree views of the skyline and harbour.
Tian Tan Buddha: This massive bronze Buddha statue stands 34 meters tall on Lantau Island.
Temple Street Night Market: This bustling market comes alive after sunset with fortune tellers, street food stalls and vendors selling everything at bargain prices.
Star Ferry: The iconic ferry crossing Victoria Harbour connects Hong Kong Island and Kowloon.
Wong Tai Sin Temple: This active Taoist temple attracts worshippers seeking fortune-telling services.
Top International Airports in Hong Kong
| Airport | Address |
|---|---|
| Hong Kong International Airport | 1 Sky Plaza Rd, Chek Lap Kok, Hong Kong |
Must-Know Travel Facts for Your Hong Kong Trip
Transportation in Hong Kong
MTR (Mass Transit Railway): The efficient subway system connects all major areas with clean, air-conditioned trains running every few minutes.
Trams: Historic double-decker trams run along Hong Kong Island's north coast for just a few dollars per ride. They're slow but offer great street-level sightseeing.
Star Ferry: This traditional ferry connects Central, Wan Chai and Tsim Sha Tsui across the harbour. It's the most scenic way to travel between Hong Kong Island and Kowloon.
Buses: Double-decker buses reach areas the MTR doesn't cover, including beaches and hiking trails. Routes can be confusing, so use Google Maps for guidance.
Taxis: Colour-coded taxis serve different regions - red for urban areas, green for New Territories, blue for Lantau Island. They're metered and relatively affordable.
Best International SIM Cards in Hong Kong
CSL Mobile: Offers the strongest network coverage throughout Hong Kong, including remote hiking areas and outlying islands.
SmarTone: Provides excellent tourist data packages with fast 4G/5G speeds at competitive prices for visitors.
3 Hong Kong: Known for affordable unlimited data plans that work well in urban areas and major tourist spots.
China Mobile Hong Kong: Reliable service with good coverage in residential areas and shopping districts across the city.
Local Phrases to Learn Before Visiting Hong Kong
| Phrases | Cantonese |
|---|---|
| Hello | Nei hou |
| Thank you | M goi / Doh je |
| You're welcome | M sai haak hei |
| Excuse me / Sorry | M goi / Deui m jyu |
| How much? | Gei do chin? |
| Delicious | Hou sik |
| Yes | Hai |
| No | M hai |
| Please | M goi |
| Goodbye | Joi gin |
Travelling with Kids in the Hong Kong
Hong Kong Disneyland: Features themed lands, character meet-and-greets, parades and fireworks shows that children of all ages enjoy.
Ocean Park: Combines marine exhibits, animal shows, thrill rides and a cable car with stunning ocean views, perfect for family adventures.
Hong Kong Science Museum: Interactive exhibits let kids explore science through hands-on experiments, moving displays and engaging activities.
Ngong Ping 360 Cable Car: This ride offers panoramic views and leads to attractions including the Big Buddha and Po Lin Monastery.
Peak Tram and Sky Terrace: Kids love the steep tram ride up Victoria Peak, followed by a 360-degree viewing platform with interactive exhibits.
Repulse Bay Beach: Calm, shallow waters make this beach safe for young swimmers with lifeguards on duty and nearby playgrounds.
Popular Activities You Can Take Part in Hong Kong
Hiking Dragon's Back Trail: This scenic coastal trail offers breathtaking views of beaches, mountains and islands on an easy 8-kilometre route.
Dim Sum Cooking Classes: Learn to make dumplings, buns and traditional Cantonese dishes from expert chefs in hands-on sessions.
Junk Boat Cruises: Traditional Chinese boats take you around Victoria Harbour with stunning skyline views, especially beautiful at sunset.
Temple Hopping Tours: Visit historic temples like Man Mo Temple and Wong Tai Sin Temple to experience Hong Kong's spiritual heritage.
Currency in Hong Kong
The official currency is the Hong Kong Dollar (HKD), used everywhere from restaurants to shops. Exchange Indian Rupees at authorised forex services in India or use online platforms for home delivery.
After arrival, currency exchange counters operate at the airport and throughout the city. Airport rates are higher, so exchange only small amounts there and find better rates at licensed money changers in Central or Tsim Sha Tsui later.
Where to Stay in Hong Kong
Budget Options
Hostel dorm beds shared with other travellers, common areas and sometimes free breakfast. Yesinn and Hop Inn are popular choices in central locations.
Private hostel rooms offer basic privacy with shared bathrooms, good for couples. Check Inn HK and Mojo Nomad are well-reviewed budget options.
Basic guesthouses provide simple rooms with private bathrooms in older buildings, often family-run with personal service.
Mid-Range Hotels
Standard hotels feature air conditioning, WiFi and breakfast in convenient areas like Tsim Sha Tsui and Causeway Bay.
Boutique hotels offer stylish design, rooftop bars and better amenities. Hotel Indigo and Ovolo Hotels provide excellent mid-range experiences.
Luxury Options
Upscale hotels include Four Seasons, Mandarin Oriental and The Peninsula, offering harbour views, world-class spas and fine dining.
Top properties like The Ritz-Carlton and W Hong Kong provide spectacular high-floor locations with premium service and stunning views.
How to Get A Visa for Hong Kong Trip
Visa Requirement: You need a pre-approved visa to enter Hong Kong. You cannot get a visa on arrival, so apply online before travelling.
Online Application: Visit the Hong Kong Immigration Department website and complete the visa application form. Upload required documents, including passport copy, photo, flight bookings and hotel confirmations.
Processing Time: Applications typically take 4-6 weeks for processing. Apply in advance of your travel dates to avoid delays.
Visa Validity: Tourist visas allow stays of up to 14 days. If you need longer, explain your reasons clearly in the application with supporting documents.
Travel Documents Needed for Hong Kong
For Visa Application
Valid passport with at least six months validity beyond your intended stay
Recent passport-sized photograph meeting Hong Kong specifications
Confirmed return flight tickets showing departure within visa validity
Hotel bookings or accommodation proof for your entire stay
Bank statements from last three months showing sufficient funds
Additional Documents
Travel insurance policy covering medical emergencies and other risks
Leave approval letter from the employer if employed
Business documents if traveling for work purposes
Credit cards and backup payment methods for emergencies
Indian High Commission in Hong Kong - Address & Contact
| Address | Contact |
|---|---|
| 16/F, United Centre, 95 Queensway, Admiralty, Hong Kong | +852 3970 9900 |
Travel Tips for Indian Nationals to Hong Kong
Keep Documents Safe: Carry your passport, visa, flight tickets and hotel bookings. Make photocopies and store them separately in case originals get lost.
Get Travel Insurance: Buy travel insurance Hong Kong coverage before departure. Medical costs in Hong Kong are extremely high, so proper insurance covering hospital bills, lost luggage and cancellations is essential.
Money Matters: Local currency is the Hong Kong Dollar. Most places accept cards, but carry cash for small shops, markets and public transport using Octopus cards.
Getting Around: MTR subway is the fastest and cheapest. Download apps like Google Maps for navigation. Taxis are metered and honest.
Respect Local Customs: Queue properly everywhere - Hong Kong residents take line discipline seriously. Keep voices down in public transport and restaurants.
Hong Kong Travel Advisories
Weather Risks: Typhoon season runs from June to September. Typhoons may occur during your stay, so follow weather warnings and safety advice.
Health Precautions: Bring prescription medicines from India with doctor's notes. Air quality can be poor on some days, so carry masks if you have respiratory issues.
Stay Alert: Hong Kong is very safe, but watch your belongings in crowded areas like markets and MTR stations to prevent pickpocketing.
Transportation Safety: Stand behind the yellow lines on MTR platforms. Hold handrails on escalators, which move faster than in India.
Follow Laws: Hong Kong has strict laws against littering, jaywalking and smoking in public areas, with heavy fines for violations.
Conclusion
Before you fly to Hong Kong, securing comprehensive international travel insurance online is very important for financial protection from trip-related emergencies and unforeseen events. A good travel insurance policy helps every traveller.
Our TATA AIG plans cover hospital bills, lost bags, passport problems and accidents for confident exploration. When you buy travel insurance from TATA AIG, you travel without worry to Hong Kong. Our best travel insurance Hong Kong starts at just ₹25.6 daily with great coverage at low prices. Don't risk your savings on unexpected emergencies. Purchase your policy today through our website, mobile app or by calling 022-6489-8282 and travel safely knowing you're fully protected.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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