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Travel Insurance for Hong Kong from India Online, Starting ₹395

Are you planning a trip to Hong Kong to soak in the Chinese culture? Well, before you say ‘Ni hao’ to Hong Kong, you should buy travel insurance.
But why does one need Hong Kong travel insurance?
Well, traveling, especially to international destinations, can be fraught with many unforeseen dangers. So, in any case, it is better to have a travel insurance plan without needing to claim it than not to have one at all during emergencies.
Still, before learning about such an insurance policy, here is more about Hong Kong and the fantastic times you will probably experience during your travel there.
Table of Contents
Is Travel Insurance Mandatory for Hong Kong?
No, travel insurance is not mandatory for a trip to Hong Kong. However, that should not stop you from availing travel insurance for Hong Kong from India. Things tend to go wrong on trips, especially when travelling abroad. Opting for such an insurance plan should limit unplanned and unforeseen stress on your finances during the travel.
What is the Cost of Travel Insurance for Hong Kong from India?
A $50,000 Hong Kong travel insurance plan from India for 4 days for 1 adult starts from ₹395 (excluding GST).
Hong Kong Visa for Indian Passport Holders
Hong Kong is a much-loved tourist destination. It has beautiful theme parks, beaches and islands, museums and monasteries, and other avenues for sightseeing. Combining culture, history, and entertainment in one exciting package, Hong Kong is one of the most glamorous cities in the world, attracting tourists throughout the year.
Indian passport holders do not need a visa to travel to Hong Kong if they are visiting the country for 14 days or less. In this case, Indian citizens have the provision for visa-free entry into Hong Kong through visa on arrival for indians (pre-arrival registration). However, if one wishes to extend their stay in Hong Kong for more than 14 days, he/she must apply for a Hong Kong visa.
What’s Great About International Travel Insurance for Hong Kong by Digit?
Hong Kong Travel Insurance Plan That Fits You
Double Secure
Double Secure Plus
Medical Covers |
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Medical Treatment And Evacuation Exigencies If you fall ill during your trip and need emergency hospitalisation to save your life or relieve acute pain, we will cover:
(Up to the sum insured as shown in your policy)
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Accidental Treatment And Evacuation Exigencies If you get injured in an accident and need urgent hospitalisation, we’ll cover:
(Up to the sum insured as per your policy) |
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Personal Accident If you suffer an accidental injury that directly causes:
We’ll pay compensation as per your policy limits. |
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Accidental Death And Disability Cover (Common Carrier) Covers accidents while travelling in public transport like a plane, train, or bus, resulting in:
(Compensation as per policy limits) |
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Dental Treatment If you face acute pain or injury to your natural teeth during the trip, we’ll cover the cost of treatment by a qualified dentist, up to the policy limits. |
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Daily Cash Allowance If you’re hospitalised for more than 24 hours, we’ll pay a daily benefit for up to a maximum number of days as per policy. This cover will be extended for a maximum of 5 days. |
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Sub-Limits* Applicable only to members above 55 years for medical/accidental hospitalisation. If your claim amount for these coverages exceeds the sub-limit mentioned in the policy schedule, the extra amount has to be paid by you. Limits apply to:
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Maternity And Baby Cover Covers hospitalisation expenses for the delivery and vaccination of a newborn. |
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Waiver of PED Option to waive pre-existing disease exclusion (subject to policy terms). |
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Smooth Transit Covers |
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Total Loss Of Checked-In Baggage If your checked-in baggage is permanently lost by the airline, we’ll pay compensation as per policy. |
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Delay Of Checked-In Baggage If baggage is temporarily delayed beyond the specified time, we’ll cover essential replacement purchases. |
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Missed Connection If you miss a pre-booked connection due to the delay of a common carrier, we’ll cover the extra travel expenses and accommodation costs to reach your next destination. |
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Trip Cancellation If your outbound journey is cancelled due to the listed reasons, we’ll reimburse you:
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Trip Abandonment If you have to cut short your trip or return early, we’ll cover:
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Trip Extension If your return is unexpectedly delayed, we’ll reimburse:
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Common Carrier Delay If your flight/train is delayed beyond the specified time, you’ll receive a fixed amount for every additional block of delay as per policy. |
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Hijack Distress Allowance If your mode of transport is hijacked, we’ll pay a daily distress allowance (must be officially confirmed). |
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Other Coverages |
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All Risk Cancellation Charges We cover the non-refundable, pre-paid, or contracted-to-be-paid portion of the booking amount up to the policy limit if you cancel tickets due to unforeseen events beyond your control. |
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Loss Of Passport, Driving License And Temporary Permit We pay for expenses (as per policy) if your passport, visa, or driving license is lost, stolen, or damaged, preventing trip continuation. |
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Bounced Booking for Accommodation If your hotel booking is denied due to overbooking or any other issue beyond your control, we will reimburse:
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Bounced Booking for Common Carrier If your airline, train, or bus is unable to honour your prepaid booking due to overbooking or similar reasons, and you’ve opted for this cover:
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Compassionate Visit If you’re hospitalised during your trip, we will cover the travel and stay of one close family member or friend who comes to be with you:
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Loss Of Baggage And Personal Belongings We cover the loss or damage of your accompanying baggage and personal items due to theft, robbery, larceny, or holdup during the trip.
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Personal Liability & Bail Bond The insurer will cover legal and financial liabilities if you accidentally cause harm to someone or their property during your trip:
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Home Building And Contents If your home (at the address listed in your policy) suffers loss or damage while you’re away, the insurer will reimburse:
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Emergency Cash Assistance Service If your money or luggage is lost due to theft or holdup, the insurer will:
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Financial Emergency Cash If you’re left without any travel funds (cash, cards, travellers cheques) due to theft, robbery, or dacoity, the insurer will reimburse you for the lost amount, provided:
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Golfer’s Hole In One If you hit a hole-in-one at a USGA-recognised golf course (outside India), the insurer will pay a fixed amount to cover your celebration expenses, as per the policy. |
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Fraudulent Charges Cover If your payment card is lost or stolen during the trip, you’ll be reimbursed for any unauthorised charges made up to 12 hours before you reported the loss to your card issuer. |
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Extended Pet Stay If your return journey is delayed by more than 24 hours, the insurer will cover the extra cost of keeping your pet at the pet boarding facility back home, up to the policy limit. |
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Hazardous or Adventure Sports If opted for, it covers participation (under supervision) in activities such as trekking, scuba diving, etc. Coverage includes:
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Escort Of Minor Child If you are hospitalised during your trip, we will cover the economy class travel costs for one immediate family member, relative, or friend to escort up to two minor children, as well as the return travel expenses for the children, up to the policy limits. (As long as hospitalisation does not occur within 3 days of the trip’s end). |
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Upgradation To Business Class If you’re seriously ill, we’ll pay up to the sum insured mentioned in the policy for upgrading your return ticket to business class from the place of hospitalisation. |
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Study Interruption If you have to discontinue your planned studies during the covered period unexpectedly, we will reimburse you up to the sum insured for:
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Accident Of The Sponsor If your sponsor named in the policy dies or is permanently disabled, we’ll cover:
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Inter-Collegiate Sports Cover Medical & accidental injury coverage extended to college sports injuries sustained during the policy period. |
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Home to Home Cover |
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Hazardous or Adventure Sports |
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Coverage at Home Country |
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Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverage as per your requirements. Please call us at 1800-258-5956 in case you want to opt for any other coverage or wish to know further details.
How to Buy International Travel Insurance for Hong Kong with Digit?
Enter Your Trip Details
Hop onto the Digit app or website, select your destination, number of travellers, and date of birth. Then, hit ‘View Prices’.
Choose Your Plan
Now, you can view the plans, select the one that is perfect for you, set your sum insured, and click ‘Continue.’
Fill, Confirm & Pay
Next, fill in your personal and nominee details, complete the health declaration, click ‘Pay Now’ and complete the payment.
Done & Delivered!
That’s it! Your policy arrives via email, SMS, and WhatsApp. Need it later? It’s always on the Digit App!
How to File a Travel Insurance Claim with Digit?
After you buy our international travel insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Step 1
Give us a call at 1800-258-5956 (if in India) or drop a missed call at +91-7799022308 & we’ll call back in 10 mins.
Step 2
Upload the required documents & your bank account details, on the link sent.
Step 3
We’ll take care of the rest!

Why Choose Digit for Hong Kong Travel Insurance from India?
Now that you have decided to purchase travel insurance, the next step is picking the right insurance provider.
Digit is one of the foremost travel insurance companies in India, providing a range of beneficial features in their travel insurance products.
Listed below are some of the advantages that you can look forward to when you buy travel insurance from Digit:
- Loss of Passport, Driving License and Temporary Permit - If you lose your passport, visa, driving license, or temporary permit while abroad, it stops you from continuing your trip. Then we'll cover costs incurred in issuance of an emergency certificate or duplicate passport so that you can get back on enjoying your trip.
- Home to Home cover - We provide coverage for your medical expenses, evacuation, and accidents during travel from home to the departure point and during return journey from port to home (Up to 12 hours from the planned trip).
- Hijack Distress Allowance - In case your trip gets interrupted because the common carrier is hijacked*, we'll pay you for each day of the hijacking, up to the amount mentioned in your policy.
- Escort of a Minor Child - If you end up in the hospital unexpectedly, we'll cover the costs for a family member, relative, or friend to bring back up to two unattended minor children to their home country or city, which includes the actual cost of round-trip economy class tickets for the escort and return tickets for the kids, minus any refund for the kids' scheduled return tickets.
- Accidental Treatment and Evacuation Exigencies - If you meet with an accident during your trip, resulting in hospitalization, the cost of treatment will be covered. We will pay reasonable and customary charges as mentioned in the policy.
Disclaimer: Your policy is subject to the terms and conditions mentioned in your policy schedule and the policy wording. It is important that you thoroughly review these documents before making any decisions.
List of Network Hospitals in Hong Kong with Digit
Disclaimer: This list is not a comprehensive list of network hospitals in Hong Kong. Last updated on 31st July-2025. In case of emergencies, we recommend to reach out to Digit insurance team first to check about the hospitals.
What is Hong Kong’s Official Currency?
The official currency of Hong Kong is the Hong Kong dollar (HKD), often shown as "$" or "HK$." The dollar is divided into 100 cents, and each 10 cents is called a "houh."
HKD banknotes are in six denominations: HK$10, HK$20, HK$50, HK$100, HK$500 and HK$1,000. The Hong Kong dollar is divided into 100 cents and issued in seven denominations: 10c, 20c, 50c, HK$1, HK$2, HK$5 and HK$10.
As of 16th July 2024, the currency exchange rates of HKD are as follows:
Note: Some shops or restaurants may accept other currencies like US dollars and Chinese Renminbi.
What is Hong Kong Famous For?
Hong Kong is actually a country within China rather than a completely different nation. However, it is part of a special administrative region, meaning that Hong Kong enjoys certain privileges that other Chinese areas don’t.
The first thing you will notice on your trip is that the country is full of skyscrapers. Hong Kong remains an odd mix of the modern-day hustle and bustle with its cultural heritage. You can enjoy the lovely parks or hike across one of the many stunning trails.
If all that walking makes you hungry, the country serves some of the best Chinese delicacies on the planet. Visit these eateries and try their mouth-watering dim-sums.
When is the Best Time to Visit Hong Kong?
Autumn is the best time to visit Hong Kong since the weather remains calm, dry, and comfortable. To get maximum delight out of your international trip, you need to factor in the climatic conditions of your destination during your journey.
If you are looking for optimal travel temperatures, September to December is the best time. The temperatures range between 21 degrees and 27 degrees Celsius.
Another popular time for tourists to visit Hong Kong is during the winter months, December through February. During these months, the country receives the least rainfall while temperatures stay within the comfortable 13 to 19 degrees Celsius range.
Safety Tips When Travelling to Hong Kong
Hong Kong is a relatively safe country. Nonetheless, as a tourist here, you must beware of a few things:
- Violent crimes are uncommon, although petty theft and pickpocketing are rampant.
- Typhoons are common in the country. Tourists must check the weather forecast every day before venturing out.
- Some locals may try to scam foreign tourists, which is why you should beware of offers and prospects that seem too good to be true.