Travel Insurance For Hong Kong

Hong Kong offers an amazing blend of modern city life and traditional culture that attracts visitors from around the world. You can enjoy stunning views from Victoria Peak, experience the excitement of Hong Kong Disneyland and explore bustling street markets filled with local treasures and authentic cuisine.

While planning your Hong Kong adventure sounds exciting, smart travellers understand that unexpected situations can happen during any trip. Picture yourself landing at Hong Kong airport, ready to visit the famous Victoria Harbour, but finding out your suitcase hasn't arrived with you. IndusInd travel insurance helps by covering costs for necessary items so your vacation continues smoothly.
Think about accidentally misplacing your passport while browsing through Mong Kok's busy markets, creating stress about your upcoming return journey home. Quality travel insurance provides both money protection and professional help to get replacement documents through proper embassy channels without major delays.

These examples show how travel insurance changes travel problems into simple solutions, making your Hong Kong experience easy and enjoyable. IndusInd General Insurance (formerly Reliance General Insurance) offers round-the-clock assistance and easy digital claim processing through their IndusInd Insurance app. This allows you to explore Hong Kong's delicious restaurants, beautiful harbour cruises and rich cultural attractions without stress about surprise costs.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

IndusInd General Insurance (formerly Reliance General Insurance) makes your Hong Kong experience smooth from the start. With comprehensive coverage and easy access, you can fully enjoy everything this vibrant city-state has to offer.

Location - Travel Insurance

$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in Hong Kong

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

Just apply, pay and download!

Benefits of Buying Hong Kong Travel Insurance

Being covered by a travel insurance plan ensures a safe, stress‑free journey by protecting you from unexpected medical, financial, and travel-related emergencies. It adds an extra layer of security so you can explore Hong Kong with complete peace of mind.

Medical Coverage

While enjoying skiing lessons on the beautiful slopes of Zermatt, you decide to visit a local clinic for a routine check-up after feeling slightly unwell. Our travel insurance helps you get medical care without worrying about high costs, so you can focus on enjoying your Hong Kong trip. We provide extensive coverage up to USD 500,000* for medical expenses and USD 500* for urgent dental care needs.

Passport Loss

Imagine discovering your passport is missing while shopping at the famous Ladies' Market in Mong Kok, just before your planned ferry trip to Macau. Our travel insurance makes this situation easier by paying for all replacement costs and helping with embassy procedures quickly. We cover up to USD 300* for embassy fees, expedited processing charges and all essential reissue requirements.

Flight Delays & Connecting Flights

Consider your connecting flight from Hong Kong International Airport getting delayed due to unexpected weather conditions, leaving you stranded overnight with nowhere to stay. Our flight delay coverage gives you money for hotel stays and meals during these longer waiting times, keeping you comfortable. We offer up to USD 60* daily payment for delays over 12 hours to cover your hotel and food costs. And we also cover missed connecting flights due to these delays.

Baggage Support

Envision arriving at Hong Kong airport excited for your Victoria Peak adventure, only to learn your luggage containing warm clothes has been delayed for hours. Our baggage protection covers these inconvenient situations comprehensively. We provide up to USD 100* for delays exceeding 12 hours and up to USD 1,500* for complete luggage loss compensation.

Personal Liability

While walking through the charming streets of Bern, you might accidentally bump into someone's property or cause a small mishap with another person. Our personal liability coverage protects you from unexpected legal costs that could arise from such situations, giving you confidence to explore freely. We offer protection up to USD 200,000* against claims and legal costs for your financial safety.

Emergency Cash

Suppose you're enjoying the beautiful views at Lake Geneva when you realise your wallet is missing, leaving you without money for transport and meals. Our emergency cash help gives you quick financial support to continue your Hong Kong adventure while you arrange replacement cash and documents. We provide up to USD 300* to cover your important expenses during this situation.

Key Features

Key Features of IndusInd Hong Kong Insurance

Individual Travel Plan

Our individual travel plan provides ease for solo or group travellers exploring Hong Kong's vibrant streets, iconic attractions and cultural experiences. While you are travelling, this individual policy will protect you from any unplanned circumstances, so you can just enjoy your trip.

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

Our family travel plan offers reliable protection for families discovering Hong Kong's amazing attractions together. This specially designed policy covers all family members under one convenient plan, making your group travel experience enjoyable.

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Inlcusion Exclusion

IndusInd Hong Kong Insurance: Inclusions & Exclusions

Location - Travel Insurance

What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

Location - Travel Insurance

What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy documents for detailed information linked here.

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How to Buy?

How to Buy IndusInd Hong Kong Travel Insurance?

Anyone who is above 18 years of age, have completed education up to at least 10th Standard and has a valid Aadhaar card & PAN card. For instance, below are few categories who can be benefited the most.

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose Hong Kong as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your Hong Kong travel insurance plan instantly via email.

Homepage Curated Plans Client Extension

How to Claim?

How to Claim IndusInd Hong Kong Travel Insurance ?

Location Travel Insurance

Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

Location Travel Insurance

Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.

Types of Visas for Hong Kong

Hong Kong offers various visa types for different purposes, including work, study, business and tourism. Each visa has specific requirements and processing times. Many nationalities enjoy visa-free entry, including Indians who can visit for up to 14 days with pre-arrival registration.

Visit Visa

The Hong Kong Visit Visa allows tourists and short-term visitors to enter Hong Kong. Many nationalities enjoy visa-free entry for various periods. Indian nationals can visit visa-free for up to 14 days with pre-arrival registration (PAR). Visitors cannot work, study or conduct business during their stay.

Transit Visa

The Hong Kong Transit Visa is for travellers passing through Hong Kong to another destination. You need this if you don't qualify for visa-free transit or want to stay longer than 14 days. Requirements include adequate funds, an onward ticket to the destination and a clear criminal record. Not needed for Mainland China/Macao.

Employment Visa

Investment Visa

The Hong Kong Investment Visa is for entrepreneurs who want to start or join a business. You need a good education, a solid business plan, sufficient funds and the ability to contribute to Hong Kong's economy. The Capital Investment Scheme requires HKD 30 million minimum investment for seven years.

Training Visa

The Hong Kong Training Visa allows professionals to acquire special skills not available in their home country. Valid for up to 12 months, you need sponsorship from a well-established Hong Kong company with a signed training contract. Processing takes 4 weeks. Family members can accompany you.

Student Visa

The Hong Kong Student Visa is for international students studying at registered schools or universities. You need admission confirmation and proof of sufficient funds to cover tuition and living expenses. Students in undergraduate/postgraduate programs can bring their families. Some restrictions apply to Mainland Chinese students.

Embassy Contact Details: India and Hong Kong

Parameter	Hong Kong Embassy in India	Indian Embassy in Hong Kong
Location	Kolkata, India	Hong Kong, China
Address	EC-72, Sector I, Salt Lake City, 700064, Kolkata, West Bengal, India	Unit A, 16th Floor, United Centre, 95 Queensway, Admiralty, Hong Kong
Contact Number	913340048169	(852) 3970 9900
Email Address	chinaconsul_kkt@mfa.gov.cn	visasection.hongkong@mea.gov.in
Website	https://kolkata.china-consulate.gov.cn/eng/	https://cgihk.gov.in/
Operating Days	Monday to Friday	Monday to Friday
Operating Hours	9:00 AM to 4:00 PM	09:00 AM to 05:30 PM

Disclaimer: The weather conditions, tourist flow, airfare estimates and travel costs mentioned above are indicative and may vary based on your travel dates, airline and booking time. Always check with official sources or your travel provider for the most accurate and up-to-date information before planning your trip.

Best Time to Visit Hong Kong

Hong Kong’s compact size and subtropical climate create distinct seasonal experiences throughout the year. Each season has its own benefits, such as great weather for hikes or cosy indoor shopping. This will help you decide when the best time is to go on vacation to Hong Kong.

March - May

What to Expect: Central and Tsim Sha Tsui enjoy pleasant 20°C-26°C temperatures with mild humidity and occasional showers.

Perfect for: Sightseeing at Victoria Peak in Central, Hong Kong Disneyland, visiting Wong Tai Sin Temple in Kowloon, Tsim Sha Tsui Promenade and hiking trails in Lantau Island

Tourist Flow: High - Popular time for families and couples visiting Central, Causeway Bay and Tsim Sha Tsui areas

Flights and Hotel Rates: Expensive due to high demand, especially hotels in Central Hong Kong and Tsim Sha Tsui waterfront

Return Airfare from India

(Approx): ₹45,000 - ₹65,000*

Keep in Mind: Book accommodations in advance, in Central Hong Kong, Tsim Sha Tsui and Causeway Bay areas; carry a light jacket for evening walks.

June - August

What to Expect: Central, Kowloon and Lantau Island experience sweltering 26°C-31°C heat with 80-90% humidity and thunderstorms.

Perfect for: Attractions like Hong Kong Museum of History, shopping in malls in Causeway Bay and Mong Kok, visiting Ocean Park in Aberdeen early morning

Tourist Flow: Low - Many tourists avoid this season, quieter in popular areas like Central, Tsim Sha Tsui and Lantau Island

Flights and Hotel Rates: Cheapest rates available across all hotel districts, including Central, Admiralty and Tsim Sha Tsui

Return Airfare from India (Approx): ₹25,000 - ₹40,000*

Keep in Mind: Carry an umbrella, stay hydrated, book hotels with AC in Central or Admiralty areas; avoid outdoor activities in the New Territories during midday.

December - February

What to Expect: Central, Sheung Wan and New Territories experience cool 15°C-22°C temperatures with low humidity.

Perfect for: Walking tours in Central/Sheung Wan districts, Man Mo Temple in Sheung Wan, exploring Ladies' Market in Mong Kok, hot pot restaurants in Causeway Bay and ferry rides between Central and Tsim Sha Tsui

Tourist Flow: Moderate - Comfortable crowd levels in Central, Tsim Sha Tsui and major attractions in Lantau Island

Flights and Hotel Rates: Moderate pricing for hotels in Central, Tsim Sha Tsui and Causeway Bay; slightly higher during Christmas and Chinese New Year

Return Airfare from India (Approx): ₹35,000 - ₹50,000*

Keep in Mind: Pack light jackets for waterfront areas like Tsim Sha Tsui Promenade, and book early for Chinese New Year. Check reduced hours for outlying island attractions.

Interesting Facts About Hong Kong

Fragrant Harbour: Hong Kong's name literally means "fragrant harbour" in Chinese, reflecting its maritime heritage and identity.

Island Collection: Hong Kong consists of 263 different islands, with over 100 of them remaining completely uninhabited today.

Skyscraper Capital: The city has more than 300 buildings over 150 meters tall, more than New York or Dubai.

Seawater Toilets: Hong Kong uses seawater to flush toilets, saving 71 billion gallons of freshwater annually across the city.

Green Metropolis: Despite its urban reputation, over 40% of Hong Kong consists of nature reserves and parks.

Fishing Village: Hong Kong started as a humble fishing village before transforming into a major global financial centre.

Public Housing: Nearly half of Hong Kong's population lives in government-subsidised public housing provided by the city.

Wild Tigers: South China Tigers once roamed Hong Kong's territories before urban development transformed the natural landscape.

Free Museums: Many Hong Kong museums offer completely free admission every Wednesday, including the popular History Museum.

Kung Fu: Hong Kong popularised traditional Chinese martial arts globally through movies, books and cultural exports worldwide.

Essential Apps for Your Hong Kong Trip

Creating assets takes years of hard work, but one theft can leave you crippled financially. The Reliance Burglary and Housebreaking Insurance Policy keeps your property safe and gives you the peace of mind that you deserve.

Translation

Communication becomes effortless in Hong Kong with reliable translation apps that help you interact with locals and read signs in traditional Chinese characters. Google Translate offers camera translation for menus and signs, while Microsoft Translator provides real-time conversation translation. Pleco specialises in Chinese-English translation with handwriting recognition, and iTranslate works offline for subway announcements.

Accommodation and Hotel Booking

Finding perfect accommodation in Hong Kong becomes simple with booking applications that provide low pricing and immediate confirmations tailored to your interests. Booking.com provides extensive hotel options from budget to luxury with flexible cancellation policies. Agoda specialises in Asian properties with exclusive deals, while Hotels.com offers loyalty rewards, and Airbnb provides unique local experiences and apartments.

Navigation

Getting around Hong Kong's bustling streets and complex MTR system becomes effortless with navigation apps designed for the city's unique geography and transport network. Google Maps provides correct walking directions and real-time traffic updates for all areas. Citymapper excels at public transport routing with live departure times, while Maps.me works offline, and Waze helps avoid traffic congestion.

Transport

Hong Kong's efficient public transport system becomes even more convenient with apps that provide real-time schedules, route planning and mobile payment options. MTR Mobile offers official subway information with service updates and station facilities. KMB App covers bus routes and schedules, while HKeTaxi helps book reliable taxis. Octopus serves as the city’s universal payment card for transport, shopping and dining establishments.

Sightseeing and Events

Discovering Hong Kong's attractions and cultural events becomes exciting with apps that provide insider information, tickets and guided experiences for memorable sightseeing adventures. Klook offers discounted attraction tickets and unique local experiences with skip-the-line access. GetYourGuide provides guided tours and activities, while Eventbrite lists local events and TripAdvisor offers reviews and recommendations from fellow travellers.

Food Delivery

Enjoying Hong Kong's incredible food scene becomes convenient with delivery apps that bring authentic local cuisine and international options directly to your accommodation. Foodpanda offers the widest restaurant selection with fast delivery across all districts. Deliveroo focuses on premium restaurants and quality food, while OpenRice helps discover local favourites, and Uber Eats provides familiar international chains.

Key Takeaways

Hong Kong travel insurance isn't just protection—it's your gateway to experiencing this vibrant destination. With India's outbound tourism market projected to grow from USD 187,975 million in 2024 to USD 439,479.6 million by 2032, more Indians are exploring international destinations like Hong Kong, which makes comprehensive travel coverage essential for every journey.

With an quick claim settlement process, IndusInd General Insurance (formerly Reliance General Insurance) is there when you need it. Our coverage extends up to USD 500,000 for medical expenses, protecting you from Hong Kong's high healthcare costs while you explore Victoria Peak or enjoy Disneyland adventures.
What sets us apart is our 24/7 customer support and easy digital claim processing through the IndusInd Insurance app. Whether you're dealing with delayed baggage at Hong Kong International Airport or need emergency cash assistance while shopping at Ladies' Market, our round-the-clock assistance ensures help is always available.
Our dual plan options—individual and family coverage—cater to every travel style, from solo adventurers to family groups. With benefits covering passport loss, flight delays, personal liability and even home burglary insurance, we've thought of everything.

IndusInd Hong Kong travel insurance, starting at ₹306*, streamlines your travel experience, letting you concentrate on making wonderful moments in this amazing city.

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

Argentina travel insurance plans starting at just ₹306*

Explore Hong Kong with Confidence

From flight delays and lost baggage to medical emergencies abroad, IndusInd General Insurance helps you stay protected throughout your journey so you can focus on making unforgettable memories.

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Voices of Trust

Stories shared by our happy customers!

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4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

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Frequently Asked Questions (FAQs)

How many days are sufficient to visit Hong Kong?

A 4-5 day trip covers Hong Kong's major attractions, including Victoria Peak, Disneyland, Ocean Park and cultural sites. This allows time for shopping, dining and island hopping. Extended stays of 7-10 days let you explore outlying islands, take day trips to Macau and experience local neighbourhoods more thoroughly.

Is travel insurance mandatory for Hong Kong?

Travel insurance isn't legally mandatory for Hong Kong visits, but it's highly recommended due to expensive healthcare costs. For example, a typical emergency room visit can cost HKD 180 - 400* (₹2,008.27-₹4,462*), while a hospital stay may reach HKD 6,650* per day (₹74,194.38*+). Hong Kong's medical treatment can be costly for tourists, making insurance essential for financial protection against emergencies, medical expenses and unexpected travel disruptions. Disclaimer: The given currency conversion rate was taken on 31/07/2025, at 11:43 am IST and is subject to change. Please ensure you check the current Rupee (INR) to Hong Kong Dollar (HKD) conversion rates before proceeding.

How much does a Hong Kong trip cost from India?

A Hong Kong trip from India typically costs ₹40,000-₹80,000* per person for 4-5 days, including flights (₹25,000-₹65,000*), accommodation (₹3,000-₹8,000*/night), meals (₹1,500-₹3,000*/day) and activities. Budget travellers can manage with ₹35,000* while luxury experiences may exceed ₹1,00,000* per person depending on preferences. For seamless payments during your trip, Payme enables instant money transfers between friends, while AlipayHK works at most merchants, and Xe currency provides real-time exchange rates.

What are some warnings or precautions for visitors in Hong Kong?

Hong Kong is generally very safe, but visitors should be cautious of pickpockets in crowded areas like Mong Kok markets. Avoid unlicensed taxis, stay hydrated during humid summers and keep emergency contacts handy - dial 999 for police, fire and ambulance services. Respect local customs, carry identification always and be aware of sudden weather changes during typhoon season. Use HKO (Hong Kong Observatory) or AccuWeather to monitor conditions and typhoon warnings.

How much is travel insurance to Hong Kong?

Hong Kong travel insurance starts from just ₹306* with IndusInd General Insurance, varying based on coverage amount, trip duration and traveller age. We offer comprehensive protection with competitive rates, flexible policy options and 24/7 customer support to suit your specific Hong Kong travel needs and budget requirements.