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 consider purchasing 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.

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.

A $50,000 Hong Kong travel insurance plan from India for 4 days for 1 adult starts from ₹395 (excluding GST).

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 (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.

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.

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.

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.

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.