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Hiking MicroInsurance experience exclusively for KMB passengers!
Crafted for our Hong Kong hikers at the core of the product, HYKE covers popular hiking trails across Hong Kong. We safeguard your each hike with real-time and seamless protection for up to 6 hours!
1 hike
HK$ 15
6 hours protection
Valid for 1 month
On your journey to the top, have you ever:
Sprained your ankle
Watch your step!
Sustained injuries that need extra doctor visits
Twisting your knee could mean multiple visits to the doctor.
Tripped and dropped your phone
Every hiker’s worst nightmare.
Covers popular hiking trails across Hong Kong!
Designated trails will be updated from time to time. Don't forget to check the map before activating your HYKE!
Coverage
1a. Accidental Medical Expenses
Cover up to HK$5,000
For Chinese bone-setting or acupuncture therapy, the expense will be subject to HK$500 deductible per accident.
For Chinese bone-setting or acupuncture therapy, the expense will be subject to HK$500 deductible per accident.
1b. Extension of Accidental Medical Expenses: Cover for Damage of Personal Items
Cover up to HK$2,000
With this extended coverage, you’re covered for up to HK$1,000 per item, and up to HK$2,000 with HK$200 deductible per accident.
This Benefit is only payable if the Benefit for Accidental Medical Expenses is payable for the same accident.
This Benefit is only payable if the Benefit for Accidental Medical Expenses is payable for the same Accident.
With this extended coverage, you’re covered for up to HK$1,000 per item, and up to HK$2,000 with HK$200 deductible per accident.
This Benefit is only payable if the Benefit for Accidental Medical Expenses is payable for the same accident.
This Benefit is only payable if the Benefit for Accidental Medical Expenses is payable for the same Accident.
2. Accidental Death & Permanent Disablement
Cover up to HK$300,000 if there's accidental death or permanent disablement during the hiking trip.
For full details of the coverage and exclusions, please refer to the "HYKE Policy Provisions".
Be aware
Accidents during the hiking trip, which activates after extreme weather conditions are hoisted (Typhoon signal no. 8 above/black rainstorm warning) are excluded
Hiking trips out of the designated trails are excluded
For full details of exclusions, please refer to HYKE Policy Provisions.
How to use?
Step 1
Get HYKE online
Get HYKE online
Protection by trip with HK$ 15/hike
Step 2
Download YAS APP and you’re good to go!
Download YAS APP and you’re good to go!
View your purchased policy in "Coverage" and activate protection
Step 3
Enjoy 6 hours seamless protection
Enjoy 6 hours seamless protection
Tap "End" and finish your hike protection
Eligibility:
8-55 years old with a valid HKID
Reminders before purchase:
- Acceptable hiking routes may change from time to time without prior notice. Don't forget to check the list of acceptable routes before activating a ticket.
- Hiking trip needs to be completed within a month from the purchase date.
- Claim application must be submitted within 30 days after the incident via the YAS MicroInsurance App, together with completed claim information and supporting document(s). You can make multiple claims for each benefit until it reaches the respective benefit coverage limit.
- Cover for Damage of Personal Items is only payable if the benefit for Accidental Medical Expenses is payable for the same accident.
- Each hiking trip is covered for up to 6 hours. If your trip is more than 6 hours, please activate another hiking trip to continue the coverage.
- For full details of the coverage and exclusions, please refer to HYKE Policy Provisions.
Frequently Asked Questions
Any coverage out of designated hiking trails?
Only the designated cycling routes accepted by Assicurazioni Generali S.p.A.(Hong Kong Branch) are covered, which is subject to change from time to time without prior notice. Please check the list of acceptable routes before activating a ticket.
You can also check out the designated trails on the map on YAS MicroInsurance App.
You can also check out the designated trails on the map on YAS MicroInsurance App.
How to claim?
In the YAS MicroInsurance App:
1. Tap "Account" on the menu list.
2. Tap "Past Activities"
3. Click on the completed trip that you would like to claim
4. Tap "Claim" and fill in the required information
5. For anything urgent or if you require additional support, contact us at rylie@hk.yas.io and we will do our utmost to help.
1. Tap "Account" on the menu list.
2. Tap "Past Activities"
3. Click on the completed trip that you would like to claim
4. Tap "Claim" and fill in the required information
5. For anything urgent or if you require additional support, contact us at rylie@hk.yas.io and we will do our utmost to help.
HYKE is issued by Assicurazioni Generali S.p.A.(Hong Kong Branch) (“the Company”), an authorised insurer in Hong Kong, and arranged by YAS Digital Limited. The Company reserves the right to accept or decline any application.
