I want to claim for

Individual Business

insurance.

Select the category below to submit your claim.

Family & Home

Medical

Personal Accident

Travel and Leisure

Motor

Claim for Travel

Travel Claims Process

Each claim is different, let us guide you through your claim:

STEP 1

File your claim

Complete and sign the Claim Form - Travel Insurance with supporting documents to filing a travel claim
For emergency assistance overseas, please call 24-hour Emergency Assistance Hotline (852) 2164 9898

All medical reports, information and evidences as required by us shall be furnished at Claimant's own expenses.

STEP 2

Send us your claim

Please send the Claim Form - Travel Insurance with supporting documents to us by mail, email or fax.

Travel claims must be reported to Liberty within 30 days from the date of accident

STEP 3

Process your claim

Upon receiving all supporting documents, Liberty will process your claim within 10 working days.

Incomplete claim form cannot be accepted for processing of claim.

Further information may be needed.

STEP 4

Receive your claim amount

Reimbursement will be settled by cheuqe to the Policyholder. Notification of payment will be issued for your reference

Your top questions, answered

When should I make a claim?

You should notify us by submitting the claim form after an accident or loss. If you do not notify us within 30 days the delay in making the claim may prejudice your rights under your Overseas StudentCare policy.
What are the required documents to make a claim?
Here are the supporting documents required for each claim section:

Baggage and Personal Effects/Baggage delay/Personal Money/Loss of Travel Documents:
- Boarding Pass/E-ticket/itinerary/chop on a passport etc. to show the journey started and ended in Hong Kong or study country
- Copy of Claimant's HKID/Birth Certificate (applicable if insured is below age 18)
- Local Police Report
- Original purchase receipt of lost item/photos of damaged items/original receipt of repair quotation or invoice
- Carrier report
Personal Accident/Emergency Service/Medical Expenses/Others:
- Boarding Pass/E-ticket/itinerary/chop on a passport etc. to show the journey started and ended in Hong Kong or study country
- Copy of Claimant's HKID/Birth Certificate (applicable if insured is below age 18)
- Local Police Report
- Medical Reports/Original medical receipts
Emergency Purchase
- Boarding Pass/E-ticket/Itinerary/Chop on a passport etc. to show the journey started and ended in Hong Kong or study country
- Copy of Claimant's HKID/Birth Certificate (applicable if insured is below age 18)
- Local Police Report
- Carrier Report
- Original receipt of travel expenses and air ticket/Tickets invoice
- Original receipt of purchased items
Personal Liability
- Boarding Pass/E-ticket/Itinerary/Chop on a passport etc. to show the journey started and ended in Hong Kong or study country
- Copy of Claimant's HKID/Birth Certificate (applicable if insured is below age 18)
- Local Police Report
- Original purchase receipt of lost item/photos of damaged items/original receipt of repair quotation or invoice
- All correspondence directly related to the third party claim
Scholarship Rewards
- Boarding Pass/E-ticket/Itinerary/Chop on a passport etc. to show the journey started and ended in Hong Kong or study country
- Copy of Claimant's HKID/Birth Certificate (applicable if insured is below age 18)
- School/University certificate on the outstanding academy result
Kidnapping
- Boarding Pass/E-ticket/Itinerary/Chop on a passport etc. to show the journey started and ended in Hong Kong or study country
- Copy of Claimant's HKID/Birth Certificate (applicable if insured is below age 18)
- Local Police Report
What methods can I submit a claim?

You could send us your claim with supporting documents by mail, email or fax.

Address:
Claims Department
Liberty International Insurance Limited
13/F., Berkshire House, 25 Westlands Road, Quarry Bay, Hong Kong

Fax: 2577 9578

Email: life.medical@libertymutual.com.hk
Are photocopies of my original receipts/invoices acceptable for the purpose of processing my claim?

No. Original receipts/invoices are required in order to process the Overseas StudentCare claim.
I suffer from pre-existing medical conditions. Can I claim for related medical expenses incurred during the study trip?

No. Policy excludes pre-existing medical conditions, congenital or heredity condition.
What should I do if I lose my personal belongings, money or travel documents in the course of my study trip?

You should lodge a police report or report the loss to the local authority, within 24 hours after the incident.
If I am pregnant, am I covered for any medical treatment incurred overseas?

No. The policy excludes any compensation for pregnancy and any complications arising thereform.
Does this insurance cover follow-up medical expenses after return to Hong Kong?

Yes. Medical expenses section include follow-up medical expenses incurred within 3 months after return to Hong Kong. Please refer to the benefit table for more details.