2027 Leave Guide | How can employees take 4 days off to enjoy 11 days' leave? Includes travel insurance comparison.

“My only demand is to go to work” would definitely not be believed, but “my only demand is to travel” is the genuine sentiment of many office workers. The Hong Kong Government has already announced the public holidays for 2027. Which days should you take leave next year to make the most of it? If you travel several times a year, is it more suitable to buy single-trip or annual travel insurance? This time, the 10Life insurance comparison platform has put together a 2027 leave-planning guide for everyone, along with tips on choosing travel insurance. 

New Year's Day | No need to take leave, 3 days off

• New Year's Day in 2027 falls on a Friday, so you can take the weekend too and enjoy 3 days off from 1 to 3 January.

Lunar New Year | Take 3 days of leave, get 9 days off

• Suggested leave: 10 to 12 February 
• Long holiday period: 6 to 14 February

Easter + Ching Ming Festival | Take 4 days of leave, get 11 days off

• Suggested leave: 30 March to 2 April 
• Long holiday period: 26 March to 5 April

For employees working a five-day week who are entitled to public holidays, Easter and Ching Ming Festival can be combined to give 11 days off with 4 days of leave. Those entitled only to statutory holidays should note that Good Friday and the day after Good Friday are not statutory holidays. If you take leave from 30 March to 2 April, you would generally only be able to get 10 days off with 4 days of leave; if you want to start your holiday on 26 March, you will need to take 5 days of leave to get 11 days off.

Buddha's Birthday | Take 1 day of leave, get 4 days off

• Suggested leave: 14 May 
• Long holiday period: 13 to 16 May

Tuen Ng Festival | Take 2 days of leave, get 5 days off

• Suggested leave: 10 to 11 June 
• Long holiday period: 9 to 13 June

HKSAR Establishment Day | Take 1 day of leave, get 4 days off

• Suggested leave: 2 July 
• Long holiday period: 1 to 4 July

The day after the Mid-Autumn Festival | Take 1 day of leave, get 4 days off

• Suggested leave: 17 September 
• Long holiday period: 16 to 19 September

National Day + Chung Yeung Festival | Take 4 days of leave, get 10 days off

• Suggested leave: 4 to 7 October 
• Long holiday period: 1 to 10 October

The longest leave combination of the year — if you are planning a long-haul trip, be sure to seize the opportunity.

Christmas | No need to take leave, 3 days off

• In 2027, the Christmas holiday can be taken continuously from 25 to 27 December for 3 days.  

Note: The above arrangement assumes that employees rest on Saturdays and Sundays and are entitled to Hong Kong public holidays. Actual leave arrangements will depend on the employment contract, shift arrangements and company policy.  

There is no fixed answer. The most straightforward way is to compare the total premium of purchasing single-trip travel insurance multiple times within a year with the premium of annual travel insurance. However, premium is not the only consideration; you should also take note of the length of each trip, the destinations, and your coverage needs. 

Note: The coverage period, premium and maximum trip duration per journey may vary between products. The actual terms of the policy and the latest quotation shall prevail. 

Before taking out cover, you can compare the following points:

• Maximum covered duration per trip  
• Whether the geographical coverage is Asia or worldwide  
• Overseas medical and emergency assistance cover limits  
• Trip cancellation, delay and baggage cover  
• Whether high-risk activities are covered  
• Whether short trips to Mainland China are covered  
• Premium differences between individual, couple and family plans  

In simple terms, single-trip travel insurance is more flexible, as you can choose cover according to each trip; annual travel insurance is more convenient and is suitable for people who travel abroad several times a year. However, “unlimited trips for a year” does not mean every trip is covered. Before taking out cover, you should still read the maximum trip duration, scope of cover and exclusions carefully to know which option truly suits you.  

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When is the most cost-effective time to take leave in 2027?

Employees who enjoy public holidays and have Saturdays and Sundays off can take 4 days’ leave for 11 days off during the period between Easter and Ching Ming Festival; during National Day and Chung Yeung Festival, they can take 4 days’ leave for 10 days off.

How many days can you get off for Chinese New Year in 2027?

If you take leave from 10 to 12 February, a total of 3 days, you can have a holiday from 6 to 14 February, giving you 9 days in total.

What is the difference between public holidays and statutory holidays?

Public holidays and statutory holidays do not cover exactly the same days. There are 15 statutory holidays in 2027; Good Friday and the day following it are public holidays, but not statutory holidays. Employees should therefore first check their employment contracts and the company holiday arrangement.

Does annual travel insurance cover every trip?

Not necessarily. Annual travel insurance usually specifies the covered regions, the maximum number of days per trip, excluded activities and other restrictions. You should still confirm before departure that the trip complies with the policy terms. 

This English version of this article has been generated by machine translation powered by AI. It is provided solely for reference purposes. In the event of any discrepancy or inconsistency between this translation and the original Chinese version, the Chinese version shall prevail.