Avo Covid
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Disease Protection

We provide you with hospital cash and death benefit coverage
In light of the recent coronavirus outbreak that has been impacting all of us across Hong Kong, we're offering for customers for a limited time coronavirus disease protection:
  • Coverage Duration: Insurance coverage for 3 months.
  • Hospital Cash: If the insured person is hospitalised due to coronavirus, he/she will be paid HK$500 per day Hospital Cash, up to 30 days.
  • Death Benefit: In the unfortunate event of death caused by the coronavirus, we will pay a Death Benefit of HK$50,000.
With just a few more clicks, you’ll receive our coronavirus disease protection.
Hospital Cash
HK$ 500 per day (up to 30 days)
Death Benefit
HK$ 50,000

Important Stuff

  • The Policy Holder must be aged 18 or above.
  • The Policy Holder and the Insured (must be below or aged 65) must hold a valid HKID.
  • If the Insured Person is aged below 18, the Policy Holder must be his / her parents or the legal guardian.
  • The Insured will be entitled to the benefits after 14 days from the date you purchase your plan, i.e., 14 days' waiting period.
  • Premium rate quoted has included the Premium Levy as required by the Insurance Authority. For more details, click here .
  • This protection offers cash benefits which can be on top of any other insurance policies elsewhere.
  • No benefits shall be payable for any Coronavirus Disease resulting directly or indirectly from or in respect of any event -
    1. any Pre-existing Conditions and / or within the Waiting Period; or
    2. if 30 days on or before or the day after Policy Effective Date, anyone residing in the same address as the Insured Person has been under mandatory quarantine due to entry into Hong Kong from a place outside Hong Kong; or
    3. if 30 days on or before or the day after Policy Effective Date, the Insured Person has left Hong Kong or boarded a cruise; or
    4. if the Insured Person is diagnosed with Coronavirus Disease outside of Hong Kong.
  • The above information is for reference only and does not constitute any contract between you and Avo. Please read the Policy Wordings for details.
  • Avo reserves the right to review, alter or terminate the offer and / or the terms and conditions at any time without prior notice. In case of any dispute, the decision of Avo shall be final and conclusive.


  • Q1.  Who can buy this protection plan?
  • Q2.  Is a person who aged under 18 eligible for purchasing this protection plan?
  • Q3.  Is there any waiting period for this protection plan?
  • Q4.  Can I purchase the protection plan outside Hong Kong?
  • Q5.  Can I cancel my policy?
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