AXA's "Excellence" overseas study program [Building Dreams Overseas, your all-round protection partner] guarantees a safe study abroad trip!

[AXA – Excellent overseas study experience]When you are ready to embark on an academic journey to the United States for further study or to explore Europe, "Excellence" Overseas Education will provide you with a solid guarantee for your dream journey. AXA, as one of the world's top insurance brands, is committed to providing worry-free protection for your overseas study and life, allowing you to devote yourself to your studies and expanding your network, creating unforgettable memories.

List of protection features

[Broadest Age Coverage] Whether you are a 10-year-old teenager or a 35-year-old adult student, you can enjoy our protection services.

[Leading insurance coverage in the industry] Medical expense coverage up to HKD 2 million, including HKD 250,000 for follow-up visits back to Hong Kong.

[Comprehensive personal accident protection] Accidental death or permanent disability protection of up to HK$1 million, with additional compensation of up to HK$500,000 under certain circumstances; maximum compensation for accidental fractures of HK$300,000; and an education fund of up to HK$300,000*.

[End-to-end personal protection] is not limited to the city where you are studying, but also includes global protection during internships, part-time jobs, and travel.

[Comprehensive Property Protection] Personal property can be compensated up to HKD 200,000, and overseas household property can also be compensated up to HKD 100,000.

[Guaranteeing residential safety] If the residence is uninhabitable, temporary accommodation support of up to HK$5,000 will be provided.

[Timely cash support] If the school is closed for more than 3 days, you can receive compensation of up to HK$2,000.

[A must-have for those who love sports] Comprehensive protection including sling jumping, rapids rafting and many other adventure sports.

[Worry-free and true experience] All guarantees are free of deductibles, so you can enjoy a truly worry-free overseas study experience.

"Excellent Study Abroad Joy"Carefully designed by AXA, you can enjoy the most comprehensive and worry-free protection on the road to pursuing your academic and life goals. Whether it is medical care, accidents, property or life safety, AXA is more considerate for you. Choose AXA to be your best partner in building your overseas dreams.

*Education Fund is a subsidy: AXA provides students with a solid backing. This innovative coverage ensures that a covered student’s education will not be interrupted due to financial burdens in the unfortunate event of accidental death or permanent disability of a student’s parent or legal guardian.

AXA overseas education insurance official website

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AXA's "Excellent Overseas Studying Joy" explains how to provide the most complete protection for your children to study abroad!

AXA's "Excellent Overseas Study Fun" is your all-round protection partner for dreaming of studying abroad.

Q&A on AXA’s “Excellent Study Abroad” Insurance Issues

Q1: What are the application qualifications for Excellent Study Abroad?

A1: (1) Age requirements: Applicants must be Hong Kong residents between the ages of 10 and 35. (2) Student status: Must be a student studying full-time overseas. (3) Application qualifications: (3.I) Students aged 18 or above: can apply by the student himself or his parents/legal guardian as the policy holder. (3.II) Students under 18 years old: Their parents or legal guardians must apply on their behalf and serve as the policy holder.

Q2: What is the insurance period for Excellent Study Abroad?

A2: (1) Insurance period: 1 year, designed to provide protection for the entire school year. (2) Protection start time: starting from the moment the insured student departs from Hong Kong to study overseas, or 4 hours before the scheduled departure time from Hong Kong, whichever is later. (3) Protection end time: until the student returns home to Hong Kong, or 4 hours after the scheduled arrival time in Hong Kong, or the policy expiration date, whichever is earliest. (4) Renewal conditions: Excellence Overseas Study Lok can renew the policy every year.

Q3: What is the difference between the travel duration of "Excellence" overseas study tour and "Excellence" Fengsheng Youle?

A3: (1) Limitation on the number of journeys: Both have no limit on the number of journeys during the warranty period. (2) Single trip period: (2.I) "Excellence" Study Abroad: The guarantee period for a single trip can be up to 365 days, which is suitable for overseas study needs throughout the academic year. (2.II) "Excellent" Fengsheng Youyou: The maximum coverage period for a single trip is 90 days, suitable for shorter trips.

Q4: Will students’ leisure travel or internship be protected during their overseas studies?

A4: During the process of studying abroad, leisure trips taken by insured students and internships arranged or recognized by overseas teaching institutions will be covered.

Q5: Will the sports activities students participate in overseas be protected?

A5: Most of the sports activities that insured students participate in overseas are covered. Specifically, it includes the following types: (1) Aviation sports: rope jumping, hot air balloon rides, paragliding, kite surfing, and kite surfing. (2) Water sports: water skiing, wideboard water skiing, surfing, windsurfing, rafting, and canoeing. (3) Winter sports: skiing, snowboarding, skating, and snowmobile riding. These activities are all covered by the "Excellence" overseas study program.

According to the insurance terms of "Excellence" Overseas Education, participation in sports activities under the following circumstances will not be covered.

(1) If the insured student competes as a professional athlete or receives compensation for participating in sports activities. (2) Any competition that is not conducted on foot, such as swimming competitions, car rallies, automobile races, horse riding competitions, driving competitions, etc. (3) Mountaineering or hiking activities, if the altitude exceeds 5,000 meters. (4) Scuba diving activities, if the water depth exceeds 30 meters. (5) Participate in high-risk sports such as ski jumping, using sleds, gliders, and skydiving. (6) Cave exploration activities. (7)Hunting activities. (8) Flight activities, unless traveling as a paying passenger on an approved licensed passenger aircraft. These activities are usually not covered by general student overseas insurance plans due to their higher risk. Students may need to seek special insurance plans or additional insurance coverage if they plan to participate in these activities.

Q6: Will the impact caused by terrorist activities also be protected?

A6: Excellence Overseas Education’s coverage covers losses caused by terrorist activities to insured students, including the impact of terrorist activities caused by nuclear, chemical or biological contamination.

Q7: Are hospitalization expenses covered? Will hospital cash allowance be provided? Are there any sub-item limits for surgical expenses, room and board expenses, etc.?

A7: Hospital expenses are covered, including surgical expenses performed in a hospital or an approved day care center owned and operated by the hospital. If insured students need to be admitted to the intensive care unit of a hospital, they will receive a hospitalization cash subsidy of HK$1,500 per day, and the total amount of such subsidy can be up to a maximum of HK$30,000 during each insurance period. In addition, the policy does not set any sub-limits for hospitalization expenses.

Q8: Are overseas outpatient expenses covered?

A8: Excellence Overseas Education provides overseas outpatient protection, and can reimburse up to 25 outpatient expenses within each insurance period. In addition, we also provide protection for the insured students’ follow-up medical expenses within 90 days after returning to Hong Kong. The insurance coverage for follow-up medical expenses within each insurance period can be up to HK$250,000.

Q9: Will students be protected if they are accidentally injured during part-time work or internship during the process of further studies? What are the conditions?

A9: Insured students are protected for accidental injuries while engaged in part-time non-manual work overseas or during internships. This coverage applies worldwide, excluding Hong Kong. However, accidents that occur while the insured student is engaged in part-time work of a manual nature are not covered unless the manual work is part of his or her course of study.

Here is a breakdown of some common examples of manual and non-manual jobs for your reference: Manual jobs include but are not limited to: Delivery boy, cook, cleaner, car mechanic, fitness instructor, yoga instructor, lifeguard, farmer. Non-manual jobs include but are not limited to: waiters, bartenders, baristas, cashiers. Even insured students who work in non-manual jobs are still covered when they reasonably engage in some expected physical activities at work. .

Q10: Will I be protected during a pandemic?

A10: Even during pandemics such as COVID-19, AXA still provides you with comprehensive protection. However, please note the following details: (1) If the trip is canceled due to a red or black travel alert due to the pandemic, this situation will not be covered. (2) Medical and related expenses arising from failure to receive preventable vaccines, as well as claims requiring global emergency assistance services, will not be covered under the following circumstances: (2.I) You have not received relevant vaccines. (2.II) This vaccine is required by the government of Hong Kong and/or the country you plan to travel to.

Q11: Is there any guarantee if the airport is closed?

A11: Coverage is provided when airport closures cause travel delays. This coverage is intended to alleviate the inconvenience and possible additional costs caused by airport closures. The specific scope and conditions of coverage may be stipulated in the policy details.

Q12: When applying for the "Excellence" program for overseas study, is it necessary to submit a certificate for overseas study?

A12: When applying for the "Excellence" overseas study program, you do not need to submit proof of overseas study.

Q13: What is an education fund? Under what circumstances will a claim be paid?

A13: The education fund is a safeguard measure that provides financial support for the education of insured students. In the unfortunate event that a parent or legal guardian of an insured student dies unexpectedly or becomes permanently disabled, the Education Fund will provide a subsidy to ensure that the insured student can continue their education. The specific compensation amount and conditions will be detailed in the insurance contract, so when such an unfortunate event occurs, the insured student or his family can file a claim with the insurance company.

Q14: How to handle medical bills?

A14: Please pay the medical bill first, and then submit a copy of the bill via email. When submitting the claim, please be sure to attach the following documents: (1) Diagnosis results, which must clearly indicate the disease or injuries suffered. harm. (2) Treatment items received. (3) If there is a prescription issued, it should also be attached. (1) Proof of the amount paid. Additionally, a completed claim form must be completed.

Q15: Assuming that the insured student is only 10 years old, can parents claim compensation on their behalf? How to claim compensation overseas?

A15: For insured students under the age of 18, since they have not reached the legal age of majority, the policy holder will be their parents or legal guardians. In this case, the parent or legal guardian may make a claim on behalf of the covered student. When submitting a claim, please ensure that your identity as a policyholder is confirmed and authorized to facilitate a smooth claim process.

Claims can be submitted via email from anywhere in the world. Please go to the "Document Download" section of the AXA Excellent Study Abroad website to obtain the claim form. After completing it, send it together with all necessary supporting documents to the designated email address travel.claims@axa.com.hk.

Q16: Are working holidays also protected?

A16: Excellence Overseas Education Policy does not cover working holidays. The insured person must be a student studying full-time overseas.

A17: What are the main excluded items?

A17: (1) Physical conditions that existed before taking out insurance. (2) Pregnancy, childbirth, miscarriage, abortion and all complications. (3) Nervous or mental diseases or abnormalities, AIDS, sexually transmitted diseases, congenital anomalies or deformities.

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