Overseas Study Insurance
Heading to South Korea or Malaysia for an exchange, or studying further afield in the UK, US, Australia, or Canada? You might wonder: why buy overseas study insurance with HK Express if we don’t fly directly to your destination? 🤔
Simple— We cover you globally~ AND fund your next trip! ✈️
With the "SmartStudent Overseas" plan#, you’ll earn an HK Express credit voucher^ for your next getaway while staying fully protected for medical expenses, worldwide personal liability, and travel delays. Enjoy total peace of mind, so you can focus on your new chapter abroad.
✨Limited Time Offer: Enjoy 50% off your premium until 26 June 2026!
Purchase overseas study insurance# by 23 September 2026 and receive a HKD 350 HK Express credit voucher^
Your pre-departure study checklist
Got your flight, visa and student housing sorted? Time to protect yourself.
Travel insurance is usually enough for short trips — but if you are staying overseas for a few months or a full academic year, an Overseas Study Insurance plan gives you the coverage that actually fits, so you can leave with confidence and focus on your what matters.
Overseas Study Insurance – protection for your whole study-abroad journey
Extended coverage designed around your daily life and studies.
✅ Tailor‑made for overseas study – whether you’re living and studying abroad for an extended period, taking an internship, part‑time jobs+, or short trips during semester breaks, you can stay protected along the way.
Travel Insurance – protection from “depart” to “return” to Hong Kong
Shorter coverage period, with limited coverage for most study‑related needs.
✅ Ideal for short trips, grad trips and other brief getaways.
When you begin your overseas study journey, let your protection level up with you – so you can fully enjoy learning, living and exploring your new world.
AXA “SmartStudent Overseas” Highlights#
Market-leading coverage
Up to HKD2,000,000 of medical expenses, including HKD250,000 for follow-up treatments in Hong Kong.
Extensive personal accident protection
Up to HKD 1,000,000 for accidental death or permanent disablement. An additional compensation of up to HKD 500,000 applies if the accident results from travelling on a common carrier, kidnapping or a natural disaster.
Coverage also includes up to HKD 30,000 for accidental broken bones, and a separate education fund* of up to HKD 300,000.
Point-to-point protection
Coverage extends beyond your city of study — you're protected anywhere overseas, whether you're on an internship, a non-manual part-time job, or travelling for leisure during your study period.
Full belongings cover
Up to HKD20,000 coverage for personal belongings and up to HKD10,000 for overseas home contents.
Timely cash support
Receive up to HKD2,000 when your school closes unexpectedly for more than 3 consecutive days.
Freedom to Enjoy Sports
Covers most adventurous sports such as bungee jumping, rafting, wind surfing, snow skiing, snowboarding and more.
FAQ
SmartStudent Overseas is available to students aged 10 to 35 who are Hong Kong residents enrolled in full-time overseas study.
For students aged 18 or above, either the student or their parent or legal guardian may apply and serve as the policyholder. For students aged below 18, the applicant and policyholder must be their parent or legal guardian.
SmartStudent Overseas is designed to provide one full year of coverage, aligned with a standard academic year.
Protection begins when the insured student leaves home in Hong Kong for overseas study, or 4 hours before the scheduled departure time from Hong Kong — whichever is later.
Protection ends when the insured student returns home in Hong Kong, 4 hours after the scheduled arrival time, or on the policy expiry date — whichever is earliest.
SmartStudent Overseas is renewable annually.
Yes, the insured student is covered for non-manual part-time work and internships while abroad. Coverage applies worldwide, excluding Hong Kong.
However, the insured student is not covered for manual employment, unless such work is part of their course of study.
Below are some examples of manual and non-manual employment for reference (list is non-exhaustive):
- Manual employment — delivery work, cooking, cleaning, car repair, fitness training, yoga instruction, lifeguarding, and farming.
- Non-manual employment - waiter, bartender, barista or cashier.
- The insured student remains covered for manual work if it is reasonably expected as part of a non-manual role.
For other questions related to “SmartStudent Overseas” Insurance, please refer to the AXA official website for more details.
To contact AXA Customer Service, please refer to contact details below:
Email: axa.gi.hke@axa.com.hk
Hotline: (852) 2894 4673
Operating Hours: 9:00a.m. to 5:30p.m. from Monday to Friday
(Closed on Saturday, Sunday and Public Holiday)
Remark:
~This coverage applies to study and travel outside Hong Kong only and is subject to the policy’s ‘Sanction limitation and Exclusion Clause’.
# Please refer to Policy Wording to understand all the benefits and exclusions terms and conditions of all the benefits and major exclusions of the Policy.
^ Terms and conditions apply. For any inquiries, please contact our Customer Connect team.
+Coverage for internship and part-time work is subject to the policy terms and conditions, including the ‘Manual Employment Exclusion’.
*Education fund is a subsidy to enable the continuation of education in the event that the insured student’s parent/guardian suffers from accidental death or permanent disablement.
Disclaimer
Information on this webpage is for reference only, and not intended to be a complete description of the applicable terms and conditions. For details, please refer to Policy Wording to understand the terms and conditions of all the benefits and exclusions. The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"). Hong Kong Express Airways Limited (Licence No.: FA2201) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distributing the product in the Hong Kong SAR.