Travel Protection
Add-on Service

Add a CUHK Medical Clinic COVID-19 Test and Coronavirus Disease Protection (Included FREE)
Can I cover my trip during the coronavirus outbreak?

As business trips abroad slowly begin resume, travellers must be aware they’ll still be facing a number of significant risks associated with the COVID-19 pandemic, as most travel insurance policies won’t provide coronavirus-related protection.

Also, in light of the evolving coronavirus situation, a number of governments have issued entry restrictions, visa suspensions and quarantine measures for travellers; some have imposed an entry requirement that travellers should hold a valid passed COVID-19 test certificate.

You can still buy your travel insurance with Avo Insurance, and on selected policies, namely our China and Greater Bay Area plans, we are offering an Add-on Service - CUHK Medical Clinic COVID-19 (SARS-CoV-2) Real-time PCR Test together with a Coronavirus Disease Protection (Included FREE) plan.

But before you pack your suitcase, you’ll need to check the following government websites for advice and updates on the latest outbound and inbound travel arrangements:

Travel Health Service website at
Outbound Travel Alert - Security Bureau website at

What is the CUHK Medical Clinic COVID-19 (SARS-CoV-2) Real-time PCR Test?

Outbound travellers heading to China will be required to have a valid and passed COVID-19 test certificate to satisfy China immigration entry requirements.

Travellers can purchase the CUHK Medical Clinic COVID-19 (SARS-CoV-2) Real-time PCR Test, as part of the Add-on Service to Avo China and Greater Bay Area Travel Protection Plans.

COVID-19 (SARS-CoV-2) Real-time PCR Test:

A PCR antigen test detects the sequence of the virus RNA and is highly accurate; the antigen test detects the presence of the SARS-CoV-2 in your body.

To get a PCR test, you need to provide your respiratory samples. Doctors at the CUHK Medical Clinic may take your nasal swab or collect your deep throat saliva. All the samples are sent to a local COVID-19 testing institutions recognised by the Hong Kong SAR Government for analysis.

How it works
Order Add-on Service online at
Make an appointment
Conduct physician consultation
Collect sample
Send to HKSAR Govt. recognised COVID-19 testing institutions
Normally receive results in 1-2 working days
Coronavirus Disease Protection included FREE with the Add-on Service
30-day protection period
You’ll be covered for HK$10,000 for hospital cash
Avo Insurance will provide 30-day Coronavirus Disease Protection coverage from the effective date of the policy, provided you have taken and have a negative test result for the CUHKMC COVID-19 PCR test. If you develop COVID-19 while on trip, you will be covered for HK$10,000 hospital cash benefit.

Important Stuff

The packaged “Deep Throat Saliva” testing service for detection of COVID-19 is provided by CUHK Medical Clinic.

The COVID-19 viral test shall be performed by a local COVID-19 testing institutions recognised by the Hong Kong SAR Government.

Key features:

  • Pre-test infection risk assessment through doctor consultation (physical or teleconsultation)
  • The specimen collection process can be conducted at home
  • Result of the test to be informed by clinic staff normally in 1-2 working days (from submission date of the sample)
  • Complimentary Coronavirus Disease Protection Insurance offered:
    • The policy effective date shall be the same as the original travel policy effective date and no further changes is allowed.
    • No benefits shall be payable for any Coronavirus Disease resulting directly or indirectly from or in respect of any event which arises before the policy effective date.

The details of the Hong Kong health code system are to be announced by the Hong Kong SAR Government.

Without prejudice, Avo Insurance shall not be liable to any person for any loss, damage, expenses or claim (whether direct or indirect) in relation to this Add-on Service or goods and/or services provided under this Service.


  • Q1.  What is the Add-on Service of Avo China/GBA Travel Protection?
  • Q2.  When should I conduct the COVID-19 test after purchasing an Add-on Service of Avo China/GBA Travel Protection?
  • Q3.  Where should I go for COVID-19 test after purchasing the Add-on Service?
  • Q4.  When will I know my COVID-19 test result?
  • Q5.  Can I get my COVID-19 test result on the same day?
  • Q6.  My deep throat saliva sample bottle is ready, can I send it to the laboratory directly?
  • Q7.  What should I do if the doctor decides not to perform the COVID-19 test on me because of my upper respiratory symptoms?
  • Q8.  Can I apply for a refund if I did not conduct the COVID-19 test due to personal reason before my insured trip starts?
  • Q9.  What kind of protection does the Coronavirus Disease Protection cover?
  • Q10.  When is the effective date and is there any waiting period for the complimentary Coronavirus Disease Protection cover?
  • Q11.  If I decided to change my travel plan and as a consequence have to amend my travel protection policy period, will the effective date of the Coronavirus Disease Protection (Included FREE) Plan be changed accordingly?

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