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1 Citibank Travel Insurance Policy In consideration of the payment of premium and subject to the definitions, exclusions, limitations, provisions and terms contained herein, endorsed hereon, or attached hereto, we agree to insure the insured person(s) named in the certificate issued in relation to an insured journey and promise to pay indemnity for loss to the extent provided herein. Part 1 Definitions Certain words in this policy have specific meanings. We have printed these words in italics throughout this policy and have given the meanings below: Accident Certificate China Close Business Partner Compulsory Quarantine Confined / Confinement Effective Date Hong Kong Hospital Illness Immediate Family Member Infectious Disease Injury Insured Journey Insured Person Laptop Computer Loss of Hearing Loss of Limb Loss of Sight Loss of Speech Loss of Use Maximum Benefits Medically Necessary Expenses Part 2 Benefits Table of Benefits Section Coverage a sudden and unforeseen event that happens unexpectedly and causes injury during an insured journey. the certificate attached to and incorporated in this policy. the territorial limit of the People s Republic of China, but excluding Hong Kong and Macau. a close business partner of the insured person proved as such to the satisfaction of us on the basis of business registration or corporate registration documentation, which is acceptable to us. the insured person is being confined in an isolated ward of a hospital or kept in an isolated site appointed by the government for at least one (1) full day and continuously stays in there until discharged from the quarantine. the insured person is registered as an in-patient in a hospital for a medical treatment for an injury or illness upon the recommendation of a medical practitioner and continuously stays in the hospital prior to his/her discharge from the hospital. Hospital confinement will be evidenced by a daily room and board charged by the hospital. the application date as stated on the certificate. the Hong Kong Special Administrative Region of the People s Republic of China. an establishment which meets all the following requirements: holds a licence as a hospital (if licensing is required in the state or governmental jurisdiction); and operates primarily for the admission, care and treatment of sick, ailing or injured persons as in-patients; and provides 24-hour a day nursing service by registered or graduated nurses; and has a staff of one (1) or more licensed medical practitioner available at all times; and provides organized facilities for diagnosis and major surgical facilities; and is not primarily a clinic, nursing, rest or convalescent home or similar establishment or a place for alcoholics or drug addicts. sickness or disease of the insured person contracted and commenced during the insured journey and which results in a loss covered by this policy. the insured person s spouse, parent, parent-in-law, grandparent, son or daughter, brother or sister, grandchild or legal guardian. any kinds of infectious disease which are publicly announced and require quarantine by the government. bodily injury sustained in an accident directly and independently of all other causes. the period of travel commencing from the time when the insured person departs from Hong Kong Immigration Department office/counter and until the time when the insured person (1) returns to Hong Kong on the date specified in the certificate or (2) arrives at any immigration department office/counter for returning to Hong Kong, whichever first occurs. However, any period of insurance should not exceed one hundred and eighty (180) days. the person named in the certificate or subsequently endorsed hereon as insured person. a laptop, notebook or sub-notebook computer. Personal digital assistant (PDA), hand-held computer (HHC) and tablet PC of any kinds are excluded from this category. permanent irrecoverable loss of hearing where: If a db = Hearing loss at 500 Hertz If b db = Hearing loss at 1,000 Hertz If c db = Hearing loss at Hertz If d db = Hearing loss at 4,000 Hertz 1/6 (a+2b+2c+d) is above 80dB. loss by physical separation at or above the wrist or ankle joint. the entire and permanent irrecoverable loss of sight. the disability in articulating any three (3) of the four (4) sounds which contribute to the speech such as the labial sounds, the alveololabial sounds, the palatal sounds and the velar sounds or total loss of vocal cord or damage of speech centre in the brain resulting in aphasia. permanent total functional disablement or complete and permanent physical separation at or above the wrists or ankle joints. the benefit amount of each of the benefits covered under this policy as stated in the Table of Benefits. expenses incurred from the first day of sustaining an injury or illness during the insured journey which are paid by the insured person to a legally qualified medical practitioner, physiotherapist, nurse, hospital and/or ambulance service for medical, surgical, X-ray, hospital or nursing treatment including the cost of medical supplies and ambulance hire but excluding any expenses incurred under Section 2(b) - Emergency Medical Evacuation or Section 2(c) - Repatriation of Mortal Remains of this policy. All treatments must be prescribed by a qualified medical practitioner in order for expenses to be reimbursed under this policy. In the event an insured person becomes entitled to a refund of all or part of such expenses from any other source, we will only be liable for the excess of the amount recoverable from such other sources. Medical Practitioner a person other than the insured person or immediate family member, qualified by degree in western medicine and legally authorized in the geographical area of his/her practice to render medical and surgical services. Permanent the period of twelve (12) consecutive months from the date of an accident and at the expiry of that period being beyond hope of improvement. Permanent Total when as the result of injury and commencing within twelve (12) Disablement consecutive months from the date of an accident in which the insured person is totally and permanently disabled and prevented from engaging in each and every occupation or employment for compensation or profit for which the insured person is reasonably qualified by reason of the insured person s education, training or experience, or if the insured person has no business or occupation, it means the inability of the insured person to perform any activities which would normally be carried out by the insured person in his/her daily life. Pre-existing Condition the insured person received medical treatment, diagnosis consultation or prescribed drugs, or a condition for which medical advice or treatment was recommended by a medical practitioner before the effective date. Principal Home the house or building located in Hong Kong occupied as a private dwelling by the insured person as his/her only permanent residence. Public Common Carrier any mechanically propelled conveyance operated by a company or an individual licensed to carry passengers for hire, including but not limited to bus, coach, ferry, hovercraft, hydrofoil, ship, train, tram or underground train. Serious Physical Injury or Serious Illness Terrorism 1. Medical Cover (a) Medical Expenses Including sub-limit for follow-up medical expenses Additional benefits: Overseas travelling expenses for seeking medical treatment (b) Overseas Hospital Daily Cash Benefit (HKD500 per day) Additional Benefits: Hospital confinement or quarantine cash allowance due to infectious disease (HKD300 per day) 2. Global Emergency Assistance (a) Compassionate Visit (b) Emergency Medical Evacuation (c) Repatriation of Mortal Remains (d) Return of Unattended Children (e) Deposit Guarantee for Hospital Admission (f) Additional Accommodation Expenses (g) 24-hour Telephone Hotline and Referral Services 3. Personal Accident (a) Accident on Public Common Carrier or during robbery (b) Other Accidents (c) Burns Cover 4. Personal Baggage Cover Sub-limits: HKD per item, pair, set or collection HKD for lap-top computer 5. Loss of Personal Money 6. Loss of Travel Document and/or Travel Ticket 7. Loss of Home Contents due to Burglary (HKD per item/ pair/ set or collection) Third Degree Burns Travel Companion Travel Ticket Voluntary Travel Insurance Policy War We, Us or Our an injury or illness which requires treatment by a medical practitioner or serious illness results in the insured person or travel companion being certified by that medical practitioner as being unfit to travel or continue with the insured person s original travel arrangement and having to be confined in a hospital. Serious physical injury or serious illness shall also include such injury or illness due to which the insured person or travel companion is being denied to board the scheduled public common carrier or is being denied to enter into the scheduled destination by any legal, governmental or airport authorities. When serious physical injury or serious illness is applied to the immediate family member(s) or close business partner, it shall mean injury or illness for which the immediate family member or close business partner requires treatment, and which is certified by medical practitioner as being dangerous to life and having to be confined in a hospital, and which results in the insured person s discontinuation or cancellation of his/her original insured journey. an act of terrorism includes any act, preparation or threat of action of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organization(s) or government(s) de jure or de facto committed for political, religious, ideological, or similar purposes, including the intention to influence any government de jure or de facto of any nation or any political division thereof and/or to intimidate the public or any section of the public of any nation and which involves violence against one or more persons; or involves damage to property; or endangers life other than that of the person committing the action; or creates a risk to the health or safety of the public or a section of the public; or is designed to interfere with or disrupt an electronic system. full thickness skin destruction due to burns. the person who made the travel booking or reservation with the insured person and accompanied the insured person for the whole insured journey other than the tour guide or the tour member. a travel ticket purchased for travelling on any public common carrier. travel insurance policy actually paid by the insured person or the proposer as stated on the application form of such policy. Any group travel insurance policy which is actually paid by any company, group, or association to insure the insured person shall be excluded from this definition. a contest by force between two or more nations, carried on for any purpose; or armed conflict of sovereign powers; or declared or undeclared and open hostilities; or the state of nations among whom there is (1) an interruption of peaceful relations and (2) a general contention by force, both authorized by the sovereign. Zurich Insurance Company Ltd Maximum Benefits per Insured Person per Insured Journey (HKD) Premier Plan Ordinary Plan 1,250, ,000 1,500,000 1,000, , , One economy class round-trip airfare Actual Cost Actual Cost One economy class one-way airfare and up to 39,000 7,800 Included 750, ,000 N/A 1,000 1

2 Section Coverage 8. Personal Liability 9. Travel Delay (a) Travel Delay (HKD300 for each and every full 6 hours delay) (b) Extra Hotel Cost due to Travel Delay (c) Extra Re-routing Costs due to Travel Delay 10. Baggage Delay / Emergency Purchases (for delay over 6 hours) 11. Cancellation of Trip 12. Curtailment of Trip 13. Compassionate Death Cash 14. Rental Vehicle Excess Section 1 Medical Cover (a) Medical Expenses If the insured person suffers from injury or illness during the insured journey and incurs reasonable medically necessary expenses, we will reimburse the actual medically necessary expenses to the insured person. Follow-up Medical Expenses This section also insures the insured person up to the sub-limit as stated in the Table of Benefits against any actual medically necessary expenses charged by a medical practitioner in Hong Kong for the continuation of medical treatment sought by the insured person for the above injury or illness within three (3) months after the insured person s return to Hong Kong. The Follow-up Medical Expenses shall also be extended to cover the medical expenses incurred for the same purpose paid to the Chinese medicine bone-setting, acupuncture or chiropractic treatment subject to an aggregate limit of HKD and a per visit and per day limit of HKD150. No Follow-up Medical Expenses shall be provided if the insured person returns to Hong Kong after twelve (12) consecutive months from the first day of the above injury or illness was sustained. In no event shall the total amount payable under this Section 1(a) - Medical Expenses exceed the maximum benefits as stated in the Table of Benefits. Extension to Section 1(a) Under this section, we extend to reimburse: (i) any additional travelling expenses (subject to a receipt proof) up to a maximum of HKD300 incurred to the insured person for the purpose of seeking medical treatment in an overseas hospital if the insured person suffers from injury or illness during the insured journey; and (ii) any actual medically necessary expenses charged by a medical practitioner in Hong Kong for the medical treatment sought by the insured person for infectious disease that is contracted during the insured journey and corresponding follow-up diagnosis within ten (10) days after the insured person's return to Hong Kong. The total amount payable under this extension (ii) shall not exceed the Sub-limit for follow-up medical expenses due to illness as stated in the Table of Benefits. (b) Overseas Hospital Daily Cash Benefit If the insured person is confined in an overseas hospital due to an injury or illness during the insured journey, we will pay a daily allowance of HKD500 and up to the maximum benefits as stated in the Table of Benefits. Extension to Section 1(b) - Hospital Confinement or Quarantine Cash Allowance due to Infectious Disease If the insured person is confined in an overseas hospital due to infectious disease during the insured journey, we will pay a daily hospital confinement allowance of HKD300 up to a maximum of ten (10) days at a maximum amount of HKD. In the event that the insured person is suspected or confirmed to have contracted infectious disease during the insured journey and results in compulsory quarantine by the local government, or by the Hong Kong Government within three (3) days upon completion of the insured journey and returning to Hong Kong, we will pay the insured person a daily quarantine allowance of HKD300 for each and every day of such compulsory quarantine and up to a maximum of ten (10) days at a maximum amount of HKD. In the event that more than one (1) compulsory quarantine has been arisen in the same insured journey, the maximum amount payable under this benefit shall not exceed HKD in aggregate. The insured person can only claim for either overseas hospital confinement allowance or quarantine cash allowance. In no event shall the total amount payable under this extension exceed the maximum benefits as stated in the Table of Benefits. Special Conditions applicable to overseas Hospital Confinement or Quarantine Cash Allowance due to Infectious Disease 1. This benefit is only payable when the infectious disease has been rated at phase 5 or above under the Epidemic and Pandemic Alert and Response by the World Health Organization on or before the first day of compulsory quarantine of the insured person during the insured journey, or the Hong Kong Government has activated the Government s Preparedness Plan for Influenza Pandemic to the highest level Emergency Response Level on or before the first day of compulsory quarantine of the insured person in Hong Kong. 2. Any dwelling quarantine is excluded from this benefit. 3. No benefit shall be payable if the planned destination(s) has been declared as an infected area on or before the departure date of the insured journey. Exclusions applicable to Section 1 1. non-essential medical treatment; 2. any loss or medical expenses arising from any travel contrary to the advice of a medical practitioner or for the purpose of receiving medical or surgical treatment; 3. dental care and treatment unless such cost is necessarily incurred due to the necessary dental treatment for the sound and natural teeth of the insured person and is caused by injury during the insured journey; 4. cosmetic surgery, refractive errors of eyes or hearing-aids, and prescriptions therefor except necessitated by injury occurring during the insured journey; 5. surgery or medical treatment which is not substantiated by a written report from the qualified by a medical practitioner; 6. surgery or medical treatment when in the opinion of the qualified medical practitioner treating the insured person, the treatment can be reasonably delayed until the insured person returns to Hong Kong; 7. any follow-up medical expenses paid to the Chinese medicine bone-setter, acupuncturist or chiropractor who is the insured person or immediate family member; or 8. any additional cost of single or private room accommodation at a hospital or charges in respect of special or private nursing except in the event of an emergency medical evacuation or repatriation under Section 2(b) - Emergency Medical Evacuation; non-medical personal services such as radio, telephone and the like; procurement or use of special braces, appliances or equipment. Section 2 Global Emergency Assistance We will pay the following benefits in the event that the insured person has suffered from injury or illness during the insured journey: (a) Compassionate Visit In the event that the insured person suffered from serious physical injury or serious illness and being confined in a hospital outside Hong Kong for over three (3) consecutive days, we will pay for one (1) economy class round-trip airfare for one (1) immediate family member to travel over to be with and/or take care of the insured person. This coverage can only be utilized once during any one (1) insured journey. (b) Emergency Medical Evacuation The actual cost of transportation, medical services and medical supplies necessarily and unavoidably incurred as a result of an emergency medical evacuation or repatriation of the insured person. The timing, means and final destination of evacuation will be decided by Zurich Emergency Assistance and will be based entirely upon medical necessity. (c) Repatriation of Mortal Remains The reasonable and unavoidable expenses for transporting the insured person s mortal remains from the place of death back to either Hong Kong, or the cost of local burial at the place of death as approved by Zurich Emergency Assistance. (d) Return of Unattended Children We will pay for a one-way economy class airfare up to the maximum benefits as stated in the Table of Benefits for returning the insured person s unattended child(ren) aged below seventeen (17) years back to Hong Kong in the event of death or confinement of the insured person in a hospital outside Hong Kong for over three (3) consecutive days due to serious physical injury or serious illness. If necessary, we will also arrange a qualified attendant to accompany the unattended child(ren) on the return journey. (e) Deposit Guarantee for Hospital Admission Upon admission to a hospital, we guarantee the medical expenses incurred by the insured person in the hospital up to a limit of HKD39,000 in respect of any one (1) insured person. Such expenses are to be borne by the insured person unless otherwise covered under Section 1 - Medical Cover of this policy. (f) Additional Accommodation Expenses We shall pay for the additional hotel accommodation expenses necessarily and unavoidably incurred by the insured person related to an incident requiring emergency evacuation to resume the course of the insured person s insured journey or to return him/her to Hong Kong subject to HKD1,950 per day and up to a limit of HKD7,800. Our prior approval and our determination on the payment of the expenses incurred by the insured person shall be based on medical grounds. (g) 24-hour Telephone Hotline and Referral Services (i) Pre-trip Information Assistance (ii) Embassy Referral (iii) Medical Service Provider Referral (iv) Lost Passport Assistance (v) Lost Luggage Assistance (vi) Interpreter Referral (vii) Lawyer Referral (viii) Telephone Medical Advice (ix) Monitoring of Medical Condition when Hospitalized (x) Arrangement for Medical Expenses Guarantee Maximum Benefits per Insured Person per Insured Journey (HKD) Premier Plan Ordinary Plan,000 1,000,000 1,500 N/A In respect of medical practitioner services (ix) and (x) above, hospitalization expenses or medical expenses charged to the insured person by a hospital, physicians other than our approved doctors, or any other medical professions are to be borne by the insured person unless otherwise covered under this policy. ZURICH EMERGENCY ASSISTANCE is rendered by the service provider which is nominated by Zurich Insurance Company Ltd. Exclusions applicable to Section 2 No service will be provided or paid under this section: 1. when the insured person is located in areas which represent war risks or political conditions such as to make the provision of services under this section impossible or reasonably impracticable; 2. for emergency medical evacuation or repatriation of mortal remains or other cost not approved in advance and in writing and/or not arranged by Zurich Emergency Assistance. This exclusion shall not apply to emergency medical evacuation from remote or primitive areas where Zurich Emergency Assistance cannot be contacted in advance and delay might reasonably be expected to result in loss of life or extreme prejudice to the insured person s prospect; 3. when the insured person is residing or travelling outside Hong Kong contrary to the advice of a medical practitioner; or 4. when the insured person is residing or travelling outside Hong Kong for the purpose of obtaining medical treatment or for rest and recuperation following any prior accident or illness. Section 3 Personal Accident (a) Accident on Public Common Carrier or during Robbery In the event that during the insured journey the insured person suffers from injury while: (i) riding solely as a passenger (not as operator, pilot, or crew member) in or on, boarding or alighting from any public common carrier; or (ii) being an innocent victim in a robbery or attempted robbery including escape of the perpetrators therefrom; we will pay up to the maximum benefits as stated in the Table of Benefits in accordance with the percentage stated in the Compensation Table hereunder, but only to the extent and if such injury results in any Event listed in the Compensation Table within twelve (12) consecutive months after the date of the accident. This cover shall not apply to any insured person aged at or below seventeen (17) years or at or over sixty-six (66) years upon the commencement of the insured journey. (b) Other Accidents & (c) Burns Cover In the event that the insured person suffers from injury or third degree burns resulting from accident other than the accident referred to Accident on Public Common Carrier or during Robbery during the insured journey, we will pay up to the maximum benefits as stated in the Table of Benefits in accordance with the percentage stated in the Compensation Table hereunder, but only to the extent and if such injury or third degree burns results in any one of the following Events within twelve (12) consecutive months after the date of the accident. Compensation Table Events Percentage of Accidental Death and Disablement Maximum Benefits 1. Death 100% 2. Permanent Total Disablement 100% 3. Permanent and Incurable Paralysis of all Limbs 100% 4. Permanent Total Loss of Sight of both Eyes 100% 5. Permanent Total Loss of Sight of one Eye 100% 6. Loss of or the Permanent Total Loss of Use of two Limbs 100% 7. Loss of or the Permanent Total Loss of Use of one Limb 100% 8. Loss of Speech and Hearing 100% 9. Permanent Total Loss of Hearing in (a) both ears 75% (b) one ear 15% Third Degree Burns Percentage of Area Damage as a percentage of total surface area Maximum Benefits Head (a) Equal to or greater than 12% damage of total head surface area 100% (b) Equal to or greater than 8% but less than 12% damage of total head surface area 75% (c) Equal to or greater than 5% but less than 8% damage of total head surface area 50% (d) Equal to or greater than 2% but less than 5% damage of total head surface area 25% Body (a) Equal to or greater than 20% damage of total body surface area 100% (Exclude (b) Equal to or greater than 15% but less than 20% damage of total body surface area 75% Head) (c) Equal to or greater than 10% but less than 15% damage of total body surface area 50% (i) Benefit shall not be payable for more than one (1) of the Events listed above in respect of the same accident. Should more than one (1) of the Events occur from the same accident, only the Event with the highest compensation will be payable under this section. (ii) The insurance for any insured person(s) under this policy shall terminate upon the occurrence of any compensation for which indemnity is payable under any one (1) of the above Events, but such termination shall be without prejudice to any claim originating out of the accident causing such loss. (iii) When a limb or organ which had been partially disabled prior to an injury covered under this policy and which becomes totally disabled as a result of such injury, the Percentage of Maximum Benefits payable shall be determined by us having regard to the extent of disablement caused by the injury. However, no payment shall be made in respect of the loss of a limb or organ which was totally disabled prior to the injury. (iv) For insured person aged at or below seventeen (17) years or at or over sixty-six (66) years upon the commencement of the insured journey, the maximum indemnity payable in regard to any accident as defined will be 50% of the maximum benefits as stated in the Table of Benefits and subject to the Percentage of Maximum Benefits as stated in the above Compensation Table. Extension to Section 3 1. Under this section, we extend to cover any injury sustained by the insured person while: (i) the insured person is travelling directly from his/her place of residence or place of regular employment in Hong Kong to Hong Kong Immigration Department office/counter within three (3) hours before the insured person s scheduled departure time of the public common carrier in which the insured person has arranged to travel for the purpose of commencing the insured journey; and (ii) the insured person is travelling directly from Hong Kong Immigration Department office/counter to his/her place of residence or place of regular employment within three (3) hours after the insured person s actual arrival time of the public common carrier in which the insured person has arranged to travel for returning to Hong Kong from the insured journey. 2. Disappearance Clause If the body of the insured person has not been found within one (1) year after the date of the disappearance due to disappearance, sinking or wrecking of the aircraft or other public common carrier either on the ground or at sea in which the insured person was travelling at the time of the accident and under such circumstances as would otherwise be covered hereunder, it will be presumed that the insured person suffered death resulting from an accident covered by this policy at the time of such disappearance, sinking or wrecking. Maximum Liability on Personal Accident Where any individual life is insured under multiple policies which contain accidental death and permanent disablement covers and are issued by us and/or our related companies, the maximum liability in respect of any one (1) individual life under all accidental death and permanent disablement covers shall not exceed HKD,000 in aggregate and each policy shall bear a proportionate share of the total loss. Exclusions applicable to Section 3 This section does not cover any loss caused by an injury which is a consequence of any kind of disease and/or illness. Section 4 Personal Baggage Cover We will pay the insured person up to the maximum benefits as stated in the Table of Benefits and subject to the sub-limits below, for the accidental loss of or damage to the personal possessions including luggage during the insured journey which are normally worn or carried by and owned by the insured person. We may make payment or at our

3 option to reinstate or repair as we may elect, subject to due allowance for wear and tear and depreciation. If any damaged article is proven to be beyond economical repair, a claim will be dealt with as if the article has been lost. Sub-limits for Personal Baggage are as follows: 1. HKD for any one article, pair, set or collection in respect of any one insured person. (For video and camera equipments, "per set" means each item cannot be used independently and all items must be used together to function as a whole set). 2. HKD for one (1) laptop computer. In no event shall the total amount payable under this Section 4 - Personal Baggage Cover exceed 100% of the maximum benefits as stated in the Table of Benefits. Exclusions applicable to Section 4 1. the following classes of property: business goods or sample, foodstuffs and/or medicine, contact lenses, dentures and/or its appliances, animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, or any other conveyances, household furniture, antiques, any kind of jewelleries or accessories make of or contain of any kind of gold, platinum, diamond, jade or pearl, mobile phone (including PDA phone, smart phone or similar device with telecommunications function and other accessories), money (including cheques, traveller s cheques, etc), plastic money (including the credit value of credit card, Octopus cards, etc), coupons or securities, bonds, negotiable instruments, tickets or documents; 2. laptop computer with any problems or defects triggered from software and malicious code (including but not limited to download of such software); 3. any loss not reported to the local police or public authority within twenty-four (24) hours of discovery and such local report is not obtained; 4. any loss or damage caused by wear, tear, gradual deterioration, insects, vermin, corrosion, rot, mildew, fungus, atmospheric conditions, the action of light, any process of heating, drying, cleaning, dyeing, alteration or repair, scratching, denting, breakdown, misuse, faulty workmanship or design, the use of faulty materials, or its resulting loss or damage; 5. any loss or damage resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism, or action taken by government authorities in hindering, combating or defending against such an occurrence; destruction under quarantine or customs regulations, confiscation or detention by customs or other government officials or risk of contraband or illegal transportation or trade; 6. any loss of property not being on the same public common carrier of the insured person, or souvenirs and articles mailed or shipped separately; 7. any loss of or damage to property which resumes to function normally after it has been fixed or repaired by a third party with no additional costs incurred to the insured person; 8. any loss of property when it is left unattended in public place, in unlocked vehicle or in vehicle which is left unattended with no one inside; 9. any loss of data recorded on tapes, cards, diskettes; 10. damage to any brittle or fragile items such as glass or crystal; 11. any loss of or damage to property while in the custody of a hotel or public common carrier, unless reported immediately on discovery in writing to such hotel or public common carrier within three (3) days and a Property Irregularity Report is obtained in the case of the event occurred in an airline; 12. any loss claimed under Section 10- Baggage Delay/Emergency Purchases arising from the same cause; 13. any loss of or damage to property insured under any other insurance certificate/policy, or otherwise reimbursed by public common carrier or a hotel. Section 5 Loss of Personal Money We will reimburse the insured person up to the maximum benefits as stated in the Table of Benefits for the loss of personal money, defined as cash, cheques, money order or traveller s cheques only, belonging to and being carried by the insured person or in a locked hotel room due to robbery, burglary or theft occurring during the insured journey. Exclusions applicable to Section 5 1. in respect of loss not reported to the local police, or hotel management or public authority within twenty-four (24) hours upon discovery of loss and for which a relevant report is not obtained at the place of loss; 2. loss of traveller s cheque not immediately reported to the local branch or agent of the issuing authority; 3. shortage due to error, omission, exchange or depreciation in value; or 4. any unexplained loss or mysterious disappearance. Section 6 Loss of Travel Document and/or Travel Ticket We will pay for the replacement cost of the Hong Kong Identity Card, credit cards, driving licence, travel ticket or travel document belonging to the insured person following the accidental loss during the insured journey. In the event of the accidental loss of travel ticket and/or travel document belonging to the insured person during the insured journey, we will also reimburse the additional travelling expenses and/or accommodation expenses incurred to the insured person, provided that the travelling class and/or the room type for the accommodation shall not be better than the original travelling class and/or the room type for the accommodation in the insured journey. In no event shall the total amount payable under this Section 6 Loss of Travel Document and/or Travel Ticket exceed 100% of the maximum benefits as stated in the Table of Benefits. Exclusions applicable to Section 6 1. any loss not reported to the local police within twenty-four (24) hours upon discovery of loss and for which such police report is not obtained at the place of loss; 2. for loss of any travel document and/or visa and/or travel ticket which is not needed to complete the insured journey; 3. any unexplained loss or mysterious disappearance; 4. any fine or penalties incurred due to non-replacement or late replacement of the documents by the insured person; or 5. for the claim of both temporary and permanent version of the same travel document. In the event of such loss, the insured person may claim either one (1) version. Section 7 Loss of Home Contents due to Burglary We will pay up to the maximum benefits as stated in the Table of Benefits for the loss or damage to the home contents within the insured person s principal home in Hong Kong which is uninhabited during the insured journey as a direct result of burglary involving the use of forcible and violent entry to or exit from the premises while the insured person is travelling on the insured journey. We may make payment or at our opinion reinstate or repair subject to due allowance for wear and tear and depreciation and shall be subject to maximum of HKD for any one article, pair, set or collection. Special Definition for Section 7 Home contents shall be limited to: household goods, personal belongings, furniture, fixtures and fittings (including interior decorations) belonging to the insured person or a member in the principal home. Exclusions applicable to Section 7 1. any loss or damage of bonds, bills of exchange, cash, coins, cheques, jewellery or accessories, promissory notes, postal or money orders, record or book or similar tokens, luncheon vouchers or other coupons, stored value cards, credit cards, deeds, documents of title, manuscripts, medals, passports, stamps, share certificates, contact or corneal lenses, mobile phones, travel tickets, foodstuffs, animals and motor vehicles (including accessories), motorcycles, boats, motors, any other conveyances, loss of data recorded on tapes, cards, diskettes or otherwise; 2. any loss not reported to the police within twenty-four (24) hours after the insured person returns to Hong Kong from the insured journey and a police report for such loss not having been obtained; 3. shortage due to error, omission, exchange or depreciation in value; or 4. special equipment or apparatus used in connection with any profession, business or employment Section 8 Personal Liability We will indemnify any amount which the insured person becomes legally liable to pay as compensation for an accident occurring during the insured journey which causes injury to a third party or damage to property of a third party. However, the insured person must not make any offer or promise of payment or admit liability to any other party, or become involved in any litigation without our prior written approval. We will pay up to the maximum benefits as stated in the Table of Benefits inclusive of costs agreed by us in writing. Exclusions applicable to Section 8 This section does not cover liability arising directly or indirectly from: 1. any business, profession or trade; 2. any wilful, malicious or unlawful act of the insured person or any criminal acts; 3. liability to any person who is the immediate family member or relative or employer or employee; 4. contractual liability; 5. ownership, possession, use or control of any vehicle, aircraft, watercraft, land, buildings, firearms or animals; 6. damage to property owned by or held in trust or in the custody of the insured person or the immediate family member or relative or employer; 7. any act of terrorism, regardless of any other cause or event contributing concurrently or in any other sequence to the loss; or 8. any action in controlling, preventing, suppressing, retaliating against or responding to any such act of terrorism. Section 9 Travel Delay (a) Travel Delay In the event that the public common carrier in which the insured person has arranged to travel is delayed for at least six (6) hours from the departure or arrival time specified in the insured person s original itinerary as a result of strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the public common carrier, we will pay HKD300 for each and every full six (6) hours of delay up to the maximum benefits as stated in the Table of Benefits. The period of delay will be calculated from either: departure delay will be calculated from the original scheduled departure time of the public common carrier specified in the itinerary supplied to the insured person until the actual departure time (i) of the original public common carrier or (ii) the first available alternative transportation offered by that public common carrier; or arrival delay will be calculated from the original arrival time specified in the itinerary provided by the public common carrier supplied to the insured person until the actual arrival time of (i) the original public common carrier or (ii) the first available alternative transportation offered by that public common carrier. The insured person can only claim for either departure or arrival delay of the same public common carrier. If the insured person has consecutive connected flights, each period of delayed hours cannot be accumulated and the proximate cause of the delay must be due to the above-mentioned reasons. (b) Extra Hotel Cost due to Travel Delay In the event that the outward or transit of the public common carrier in which the insured person has arranged to travel abroad is delayed for more than six (6) hours from the time specified in the insured person s original itinerary as a result of strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the public common carrier, we will pay the additional, reasonable and irrecoverable accommodation expenses incurred outside Hong Kong, up to the maximum benefits as stated in the Table of Benefits. (c) Extra Re-routing Costs due to Travel Delay In the event that the public common carrier in which the insured person has scheduled to travel is cancelled as a consequence of the public common carrier being delayed for more than six (6) hours after the insured person s check-in due to strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the public common carrier and that public common carrier fails to arrange an alternative transportation, we will pay up to the maximum benefits as stated in the Table of Benefits for the additional costs of travel ticket (economy class only) incurred by the insured person to reach the planned destination as specified in his/her original itinerary by an alternative means of public common carrier. This benefit can only be utilized once during any one (1) insured journey. Special Condition for Section 9 The insured person must check-in in accordance with the original scheduled public common carrier and all claims must be substantiated by written confirmation from the public common carrier on the number of hours and the reason for such delay. Exclusions applicable to Section 9 1. any circumstances leading to the relevant delay of the insured journey which is existing or announced before the effective date; 2. any loss arising from late arrival of the insured person at the airport or port (i.e. arrival at a time later than the time required for check-in or booking-in except for the late arrival due to strike by the employees of the public common carrier); 3. any loss in relation to alternations to schedules that is not verified by the airline, travel agency or other relevant organizations; or 4. any circumstances covered by any other insurance scheme, government programme or which will be paid or refunded by travel agency, tour operator or other provider of any service forming part of the booked itinerary (except for Section 9(a) - Travel Delay). Section 10 Baggage Delay / Emergency Purchases In the event of the insured person s checked-in baggage being delayed for over six (6) hours after the insured person s arrival at the scheduled destination abroad, we will reimburse the insured person for the actual costs of emergency purchase of essential clothing or toiletries up to the maximum benefits as stated in the Table of Benefits. Special Condition for Section 10 All claims must be substantiated by written confirmation from the public common carrier on the number of hours and the reason of such delay. Exclusions applicable to Section any baggage not being on the same public common carrier of the insured person or souvenirs and articles mailed or shipped separately; 2. any purchase for which the insured person fails to submit receipts for the purchase of emergency items or requisites; 3. in respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism, or action taken by governmental authorities in hindering, combating or defending against such an occurrence; detention or destruction under quarantine or customs regulations, confiscation by order of any Government of Public Authority or risk of contraband or illegal transportation or trade; or 4. any loss claimed under Section 4 - Personal Baggage Cover arising from the same cause. Section 11 Cancellation of Trip In the event that the insured person has to cancel the insured journey necessitated by the following and occurring within ninety (90) days (except for sub-paragraphs (iii) and (iv)) before the commencement date of the insured journey as a result of: (i) death, serious physical injury or serious illness of the insured person, immediate family member, close business partner or travel companion; (ii) witness summons, jury service or compulsory quarantine of the insured person; (iii) unexpected outbreak of strike, riot, civil commotion, terrorism or adverse weather conditions at the planned (iv) destination arising within one (1) week before the departure date of the insured journey; or serious damage to the insured person s principal home in Hong Kong arising from fire, flood or burglary within one (1) week before the departure date of the planned insured journey which requires the insured person s presence in Hong Kong on the departure date of the insured journey for the purpose of police investigation; we will pay up to the maximum benefits as stated in the Table of Benefits for the loss of unused travel fare and/or accommodation expenses which have been paid in advance and for which the insured person is legally liable and which are not recoverable from any other sources. Section 12 Curtailment of Trip In the event that the insured person has to abandon the insured journey and return to Hong Kong after the insured journey has begun due to: (i) death, serious physical injury or serious illness of the insured person, immediate family member, close business partner or travel companion; (ii) unexpected outbreak of strike, riot, civil commotion, terrorism, adverse weather conditions or natural disaster at the planned destination which prevents the insured person from continuing with his/her scheduled journey; or (iii) serious damage to the insured person s principal home in Hong Kong arising from fire, flood or burglary; we will pay for the loss of unused travel fare and/or accommodation expenses for which the insured person is legally liable and which is not recoverable from any other sources, or additional actual travel fare and accommodation expenses reasonably and necessarily incurred. Curtailment expenses payable in relation to the amount of travel fare and/or accommodation expenses forfeited will be calculated in proportion to the number of days remaining after the relevant interruption of the insured journey. The insured person can only claim for either the forfeited expenses for the insured journey or additional expenses incurred for the curtailment. In no event shall the total amount payable under Section 12 - Curtailment of Trip exceed the maximum benefits as stated in the Table of Benefits. Exclusions applicable to Section 11 and Section 12 These sections do not cover: 1. any circumstances leading to the cancellation or curtailment of the insured journey which is existing or announced before the effective date; 2. if the purpose of the insured journey is to obtain medical treatment or the insured journey is undertaken against the medical practitioner s recommendation; 3. any medical condition or other circumstances known to have existed before the effective date; 4. any loss directly or indirectly arising from any government s regulations control or act, bankruptcy, liquidation, error, omission or default of any travel agency, tour operator, public common carrier and/or other provider of any service forming part of the booked itinerary; 5. failure to notify the travel agency, tour operator, public common carrier and/or other provider of any service forming part of the booked itinerary of the need to cancel or curtail the travel arrangement immediately when it is found necessary to do so; 6. any loss in relation to cancellations or curtailments to schedules that is not verified by the airline, travel agency or other relevant organizations; 7. any loss which will be paid or refunded by any existing insurance scheme, government programme, public common carrier, travel agent or any other provider of transportation and/or accommodation; 8. failure to obtain a written medical report from the medical practitioner; 9. any expenses incurred for services provided by another party for which the insured person is not liable to pay and/or any expenses already included in the cost of a scheduled insured journey; 10. any loss if the insured person refuses to follow the recommendation of a medical practitioner to return to Hong Kong, or refuses to continue the insured journey whilst the insured person s physical condition at the time of recommendation is fit for travel (applicable to Section 12 - Curtailment of Trip only); or 11. in respect of losses claimed under Section 9 - Travel Delay arising from the same cause (applicable to Section 12 - Curtailment of Trip only). Section 13 Compassionate Death Cash In the event that the insured person dies (naturally or due to accident) during the insured journey, we will pay the Compassionate Death Cash as stated in the Table of Benefits to the estate of the insured person as emergency cash or for funeral expenses. Section 14 Rental Vehicle Excess If the insured person rents or hires a rental vehicle in the course of the insured journey which is involved in a collision whilst under the control of the insured person or such vehicle is stolen or damaged and the rental agreement includes an excess (or deductible or similar condition), we will reimburse the insured person for the rental vehicle excess up to the maximum benefits as stated in the Table of Benefits for the liable loss or damage of the rental vehicle. In no event shall this benefit be paid more than once per insured journey. Special Condition for Section 14 The insured person must take relevant comprehensive motor vehicle insurance provided by the rental organization against loss or damage to the rental vehicle during the rental period. Exclusions applicable to Section any use of the rental vehicle by the insured person that is in violation of the terms of the rental agreement or applicable comprehensive motor vehicle insurance policy; 2. any condition under the influence of alcohol or drugs of the insured person who is in charge of a rental vehicle; 3. any illegal or unlawful use of the rental vehicle by the insured person during the rental period; 4. the insured person not holding a valid driving license for the country; or 5. any rental vehicle that has not taken out a comprehensive motor vehicle insurance.