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1 Live2Play Working Holiday Insurance Plan 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 named in the schedule issued in relation to the working holiday 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/Accidental a sudden and unforeseen event that happens unexpectedly and causes injury to the insured person during an insured journey. China the territorial limit of the People s Republic of China, but excluding Hong Kong and Macau. Chinese Medicine a registered Chinese medicine practitioner under the Chinese Medicine Practitioner Ordinance (Cap.549, Laws of Hong Kong) but excluding a Chinese medicine practitioner who is the insured person or an immediate family member of the insured person. Compulsory Quarantine 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. Confined/Confinement 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 charge by the hospital. Domestic Journey any journey that involves travelling from one province or state to another province or state within the same country shall constitute a domestic journey. Such domestic journey must take place during an insured journey. Effective Date in respect of working holiday, either (i) the date of our acceptance of your application for this policy or (ii) the date stated on the receipt issued by the travel agent or public common carrier for the confirmation of payment of travel ticket, whichever is the later. Follow-Up the medical treatments directly caused by the injury or illness suffered by the insured person for which the insured person has received treatment or hospital confinement during the insured journey. Head the part from vertex to mandible of a person. Hong Kong the Hong Kong Special Administrative Region of the People s Republic of China. Hospital 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 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. Illness sickness or disease of the insured person contracted and commenced during the insured journey and which results in a loss covered by this policy. Immediate Family the insured person s spouse, parent, parent-in-law, grandparent, son or Member daughter, brother or sister, grandchild or legal guardian. Infectious Disease any kinds of infectious disease with human-to-human spread in a large cluster(s) of a local population and which is announced by the World Health Organization. Injury bodily injury sustained in an accident solely and independently of all other causes. Insured Journey each period of travel commencing from the time when the insured person departs from an immigration counter in the territory of Hong Kong, until the time when the insured person arrives at any immigration counter in the territory of Hong Kong in order to re-enter Hong Kong. All insured journey(s) must fall within the period of working holiday. Insured Person the person(s) named in the schedule or subsequently endorsed hereon as insured person(s). Itinerary the detailed plan for a journey issued and confirmed by public common carrier, travel agency, tour operator or cruise company, together with the official receipt or confirmation, prior to the commencement of the working holiday / insured journey / domestic journey. Laptop Computer a lap-top, notebook or sub-notebook computer. Personal digital assistant (PDA), hand-held computer (HHC) and tablet PC of any kind are excluded from this category. Loss of Hearing 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 2,000 Hertz If d db = Hearing loss at 4,000 Hertz 1/6 (a+2b+2c+d) is above 80dB. Loss of Sight the entire and permanent irrecoverable loss of sight. Loss of Speech 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. Loss of Use permanent total functional disablement or complete and permanent physical separation at the limb or organ. Macau the Macau Special Administrative Region of the People's Republic of China. Maximum Benefits the benefit amount of each of the benefits covered under this policy as stated in the table of benefits. Medically Necessary Expenses Medical Practitioner Period of Insurance 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 Part 2 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. 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. the twelve (12) months period as stated in the schedule during which this policy is effective and we have accepted the insured person s premium. If the first departure date for the working holiday is on a date after the commencement date of the period of insurance as stated in the schedule, the expiration of the period of insurance shall automatically be extended up to the expiration of the working holiday (subject to the relevant working holiday visa being issued is for a period of not more than twelve (12) months), provided that the expiration of such extended period of insurance shall not exceed six (6) months from the expiration of the period of insurance as stated in the schedule. Permanent lasting not less than twelve (12) consecutive months from the date of an accident and at the expiry of that period being beyond hope of improvement. Physiotherapy Expenses The expenses incurred for the exercises treatment for the weakness in the joints to muscles due to injury which is done by a registered physiotherapist (other than the insured person or immediate family member) but excluding chiropractic expenses. 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, and any fixed-wing aircraft provided and operated by an airline or an air charter company which is duly licensed for the regular transportation of fare-paying passengers and operating only between established commercial airports. Relevant Documents documents include schedule, enrollment form, declaration, riders, endorsements, attachments and amendments (regardless verbally or in written format). Schedule the schedule attached to and incorporated in this policy. Serious Physical Injury an injury or illness which requires treatment by a medical practitioner or or Serious Illness serious illness results in the insured person 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 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), it shall mean injury or illness for which the immediate family member 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. Specialist A registered medical practitioner other than the insured person, or immediate family member, who is legally registered in the Specialist Register of the Medical Council of Hong Kong. In the event of treatment or surgery received outside Hong Kong, it shall mean a registered medical practitioner who can legally practise specialist care in accordance with the equivalent speciality law in the geographical area of his/her practice to render medical and surgical services. Table of Benefits the table as shown under Part 2 - Benefits in this policy stating the maximum benefits of each benefit available in accordance to the type of plan. Terrorism an act of terrorism includes any act, preparation or threat of action 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, 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, and which involves violence against one (1) or more persons; involves damage to property; endangers life other than that of the person committing the action; 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. Third Degree Burns the damage or destruction of the skin to its full depth and damage to the tissues beneath. Total Disablement when as the result of an injury and commencing within twelve (12) consecutive months from the date of an accident the insured person is totally 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 his/her education, training or experience, or if the insured person has no business or occupation, total disablement means the inability of the insured person to perform any activities which would normally be carried out in the insured person s daily life. Travel Ticket a travel ticket purchased for travelling on any public common carrier. Voluntary Travel travel insurance policy actually paid by the insured person or the proposer Insurance Policy 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. War a contest by force between two (2) 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 (i) an interruption of peaceful relations and (ii) a general contention by force, both authorized by the sovereign. We, Us or Our Zurich Insurance Company Ltd Working Holiday the period from the date when the insured person first departs from Hong Kong to (i) the country of working holiday using the working holiday visa validly issued by an overseas country pursuant to the Working Holiday Scheme between Hong Kong and the overseas country, or (ii) any other overseas country before arriving in the country of working holiday, as the case may be, and until the expiration of three hundred and sixty-five (365) days later from such first departure date from Hong Kong. For the purpose of this policy, unless otherwise specified, all ancillary leisure trips to other countries (except Hong Kong) during such period shall be covered by this policy. The commencement date of the working holiday (i.e. the first departure date from Hong Kong for the working holiday) must fall within the first six (6) months from the commencement of the period of insurance.

2 Part 2 Benefits Table of Benefits Section Coverage 1. Medical Cover (a) Section 1 Medical Cover (a) Medical Expenses If the insured person suffers from injury or illness and incurs reasonable medically necessary expenses during the insured journey, we will reimburse the actual medically necessary expenses to the insured person. For outpatient visits, specialist or physiotherapy expenses, or ambulance services expenses, the total amount payable shall be subject to the sub-limits as stated in the table of benefits. 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 from the insured journey. The follow-up medical expenses shall also be extended to cover the medical expenses incurred for the same injury or illness paid to a Chinese medicine practitioner (up to maximum five (5) visits), or for the purposes of Chinese medicine bone-setting, acupuncture or chiropractic treatments, subject to an aggregate limit of HKD3,000 and a per visit and per day limit of HKD150. No follow-up medical expenses shall be provided unless the insured person returns to Hong Kong within twelve (12) months from the first day of injury or illness. Extension to Section 1(a) Under this section, we extend to reimburse 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 from the insured journey. This extension forms part of the follow-up medical expenses under Section 1(a), and the total amount payable under this extension shall not in aggregate exceed the sub-limit for follow-up medical expenses as stated in the table of benefits. In no event shall the total amount payable under this Section 1(a) - Medical Expenses (including follow-up medical expenses and extension to Section 1(a)) exceed of the maximum benefits 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 up to the maximum benefits as stated in the table of benefits. (c) Hospital Confinement or Quarantine Cash Allowance due to Infectious Disease (subject to the special conditions stated below) If the insured person is confined in an overseas hospital due to infectious disease during the insured journey, we will additionally pay a daily hospital confinement allowance up to the maximum benefits as stated in the table of benefits. 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 for such compulsory quarantine, up to the maximum benefits as stated in the table of benefits. The insured person can only claim for either overseas hospital confinement allowance or quarantine cash allowance due to infectious disease, but not both notwithstanding the total amount claimed being within the maximum benefits as stated in the table of benefits. Regardless of the number of days of hospital confinement or compulsory quarantine due to infectious disease, in no event shall the maximum amount payable under this benefit 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 relevant 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 home 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. (b) Trauma Counselling Benefits If during the insured journey, an insured person is the victim of a traumatic event including but not limited to accident on natural disaster or acts of terrorism, we shall pay the cost of trauma counselling incurred within six (6) months after the insured person s return to Hong Kong. The trauma counselling must be recommended by a medical practitioner in writing subject to our prior written consent. The maximum limit we will pay shall not exceeding HKD1,500 per visit per day and up to the maximum benefits as stated in the table of benefits. Maximum Benefits Per Insured Person Per Working Holiday (HKD) Essential Plan Enhanced Plan Medical Expenses Inclusive of: 250, ,000 Sub-limit for outpatient visit 500/visit/day (Max.10 visits) 800/visit/day (Max.20 visits) Sub-limit for specialist or physiotherapy expenses 1,500/visit/day (Max.5 visits) 2,000/visit/day (Max.10 visits) Sub-limit for ambulance services expenses 1,000/visit/day (Max.5 rides) 1,000/visit/day (Max.10 rides) Sub-limit for follow-up medical expenses in three (3) months after return to Hong Kong - 25% of maximum benefits for Section 1(a) Medical Expenses (b) Overseas Hospital Daily Cash Benefit 3,000 (300 per day) 5,000 (500 per day) (c) Hospital Confinement or Quarantine Cash Allowance due to Infectious Disease 3,000 (300 per day) 5,000 (500 per day) (d) Trauma Counselling Benefits 15,000 (1,500 / visit / day) 15,000 (1,500 / visit / day) 2. Zurich Emergency Assistance (a) Deposit Guarantee for Hospital Admission 39,000 (b) Emergency Medical Evacuation Actual cost (c) Repatriation of Mortal Remains Actual cost (d) Compassionate Visit (HKD700 per day) One economy class round-trip travel ticket (e) Travelling and Accommodation Expenses (HKD1,950 per day) One economy class one-way travel ticket and hotel accommodation expenses up to HKD7,800 (f) 24-hour Telephone Hotline and Referral Services Included 3. Personal Accident (a) Accident on Public Common Carrier 500,000 1,500,000 (b) Accident while Engaging in Adventure Activities 350, ,000 (c) Accident while At Work 350, ,000 (d) Other Accidents 250, , Compassionate Death Cash and Visit (a) Compassionate Death Cash 10,000 (b) Compassionate Visit One economy class round-trip travel ticket and hotel accommodation expenses up to 20, Personal Baggage Cover Not applicable 20,000 Sub-limits: HKD2,500 per item, pair, set or collection HKD10,000 per lap-top computer An aggregate limit of HKD5,000 for all camera, camcorders and their accessories and related equipment 6. Loss of Travel Document and/or Travel Ticket 3, Personal Liability 1,000,000 2,000, Travel Delay (a) Travel Delay (HKD300 for each and every full 6 hours delay) Not applicable 1,500 (b) Extra Hotel Costs due to Travel Delay Not applicable 2, Baggage Delay Allowance (for delay over 6 hours) Not applicable 1, Cancellation of Trip Not applicable 20, Curtailment of Trip Not applicable 20, Rental Vehicle Excess 5, Course Tuition Fee Cover 5,000 10,000 Exclusions applicable to Section 1 1. non-essential medical treatment that is not recommended by a medical practitioner; 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 a qualified medical practitioner; 6. surgery or medical treatment when in the opinion of the qualified medical practitioner treating the insured person, the treatment is not urgent and medically necessary during the insured journey, and can be reasonably delayed until the insured person returns to Hong Kong; 7. any follow-up medical expenses paid to the medical practitioner, Chinese Medicine Practitioner, Chinese medicine bone-setter, acupuncturist or chiropractor who is the insured person or immediate family member; 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; or 9. 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. Section 2 Zurich Emergency Assistance Zurich Emergency Assistance will arrange for the following benefits in the event that the insured person has suffered from injury or illness during the insured journey and pay for any costs and expenses arising thereof: (a) Deposit Guarantee for Hospital Admission Upon admission to a hospital, Zurich Emergency Assistance will provide a guarantee for admission deposit up to a limit of HKD39,000 in respect of the insured person. Such deposit shall be fully refunded to us and is borne solely by the insured person unless otherwise covered under Section 1 - Medical Cover of Part 2 of the policy. (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 Hong Kong, or the cost of local burial at the place of death as approved by Zurich Emergency Assistance. (d) 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, Zurich Emergency Assistance will pay one (1) economy class round-trip travel ticket for one (1) immediate family member to travel to the location of the insured person, and hotel accommodation expenses necessarily and unavoidably incurred by the immediate family member up to a maximum of HKD700 per day and a maximum period of five (5) days. This benefit cannot be claimed for more than once during the working holiday. (e) Travelling and Accommodation Expenses Zurich Emergency Assistance shall pay for the one-way economy class travel ticket and hotel accommodation expenses necessarily and unavoidably incurred by the insured person in connection with any incident requiring emergency medical evacuation (pursuant to Section 2(b) above) to resume the course of the insured person s insured journey or to return him/her to Hong Kong up to a maximum amount of HKD1,950 per day and up to a limit of HKD7,800 per working holiday. Any approval on the payment of expenses incurred by the insured person is subject to the sole decision of Zurich Emergency Assistance on the basis of medical necessity. (f) 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

3 (vi) Interpreter Referral (vii) Lawyer Referral (viii) Telephone Medical Advice (ix) Monitoring of Medical Condition when Hospitalized (x) Arrangement for Medical Expenses Guarantee In respect of services (ix) and (x) above, all hospitalization expenses or medical expenses charged to the insured person by a hospital or 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 a service provider 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 In the event that during the insured journey the insured person suffers from injury while riding solely as a passenger (not as operator, pilot, or crew member) in or on, boarding or alighting from any public common carrier; we will pay in accordance with the percentage stated in the Compensation Table hereunder up to the maximum benefits as stated in the table of benefits, but only to the extent and provided that such injury results in any one (1) of the following Events listed in the Compensation Table within twelve (12) consecutive months after the date of the accident. (b) Accident while Engaging in Adventure Activities In the event that during the insured journey the insured person suffers from injury while engaging in mountain-biking, skiing, diving, surfing, skydiving or bungy-jumping, we will pay in accordance with the percentage stated in the Compensation Table hereunder up to the maximum benefits as stated in the table of benefits, but only to the extent and provided that such injury results in any one (1) of the following Events listed in the Compensation Table within twelve (12) consecutive months after the date of the accident. (c) Accident while At Work In the event that the insured journey the insured person suffers from injury while actively working as a working holiday traveler, we will pay in accordance with the percentage stated in the Compensation Table hereunder up to the maximum benefits as stated in the table of benefits, but only to the extent and provided that such injury results in any one (1) of the following Events listed in the Compensation Table within twelve (12) consecutive months after the date of the accident. (d) Other Accidents In the event that the insured person suffers from injury resulting from an accident during the insured journey other than the accident referred in Section 3(a) - Accident on Public Common Carrier, Section 3(b) - Accident while Engaging in Adventure Activities or Section 3(c) - Accident while At Work above, we will pay in accordance with the percentage stated in the Compensation Table hereunder up to the maximum benefits as stated in the table of benefits, but only to the extent and provided that such injury results in any one (1) of the following Events listed in the Compensation Table within twelve (12) consecutive months after the date of the accident. Compensation Table Events Percentage of Accidental Death and Disablement Maximum Benefits 1. Death 2. Permanent Total Disablement 3. Permanent and Incurable Paralysis of all Limbs 4. Permanent Total Loss of Sight of both Eyes 5. Permanent Total Loss of Sight of one Eye 6. Loss of or the Permanent Total Loss of Use of two Limbs 7. Loss of or the Permanent Total Loss of Use of one Limb 8. Loss of Speech and Hearing 9. Permanent Total Loss of Hearing in (a) both ears 75% (b) one ear 15% Third Degree Burns 10. Third Degree Burns on Head (a) Equal to or greater than 12% damage of total head surface area (b) Equal to or greater than 8% but less than 12% damage of total head surface area (c) Equal to or greater than 5% but less than 8% damage of total head surface area 75% 50% (d) Equal to or greater than 2% but less than 5% damage of total head surface area 25% 11. Third Degree Burns on Body (Exclude Head) (a) Equal to or greater than 20% damage of total body surface area (b) Equal to or greater than 15% but less than 20% damage of total body surface area (c) Equal to or greater than 10% but less than 15% damage of total body surface area 75% 50% Compensation Conditions: (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 as a result of the same accident, only the Event with the highest compensation will be payable under this section. (ii) Upon the occurrence of any compensation for which indemnity is payable under any one (1) of the above Events to the insured person in the policy, all benefits under the policy shall immediately cease to be in force with regard to such insured person, but such termination shall be without prejudice to any claim arising from the accident causing such loss. (iii) For any disablement in relation to Events 2-9 existed prior to an injury covered under this policy and becomes totally disabled or a total disablement 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 covered injury. However, no payment shall be made in respect of any disablement which was totally disabled prior to the injury. (iv) For any third degree burns resulting in damage to an area relating to Events 10 and 11 and existed prior to an injury covered under this policy, and which the same area is damaged again due to third degree burns caused by such injury, the Percentage of Maximum Benefits payable shall be determined by us having regard to the extent of damage on the area caused by the covered injury. In no event shall we pay for any damage on the area sustained prior to the injury. Special Condition applicable to Personal Accident The insured person can only make a claim under either Section 3(a), 3(b), 3(c) or 3(d) in respect of the same accident 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 an immigration counter in the territory of Hong Kong for the purpose of conducting immigration clearance procedures within three (3) hours before the 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 an immigration counter in the territory of Hong Kong to his/her place of residence or place of regular employment within three (3) hours after the 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 for Personal Accident Where any individual life is insured under multiple policies or certificates of insurance which include accidental death and permanent disablement covers as defined in each policy or certificate of insurance and are issued by us and/or our related companies, the maximum liability in respect of any one individual life under all accidental death and permanent disablement covers shall not exceed HKD5,000,000 in aggregate and each policy or certificate of insurance shall bear a proportionate share of the total loss. Exclusion 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 Compassionate Death Cash and Visit (a) 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 (b) estate of the insured person. Compassionate Visit We will also pay for one (1) economy class round-trip travel ticket and the reasonable hotel accommodation expenses necessarily incurred and up to the maximum benefits as stated in the table of benefits to one (1) immediate family member to travel over to the place where the insured person dies. In no event shall the total amount payable under this Section 4(b) - Compassionate Visit exceed the maximum benefits as stated in the table of benefits. Section 5 Personal Baggage Cover (applicable to Enhanced Plan only) 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, provided that any personal possession and belonging that are kept inside an unattended vehicle are locked inside a trunk of the vehicle. We may make payment or, at our option, reinstate or repair the personal possessions 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 applicable to Personal Baggage are as follows: 1. HKD2,500 for any one (1) article, pair, set or collection in respect of the insured person. 2. HKD10,000 for one (1) lap-top computer in respect of the insured person. 3. An aggregate maximum limit of HKD5,000 for all cameras and camcorders and their accessories and related equipment in respect of the insured person. Extension to Section 5 Golf Equipment We will pay the insured person the cost of replacement or repair or arrangement for repair arising from the accidental loss of or damage to golf equipment, including but not limited to golf bags, golf balls, golf trolleys and umbrellas, whilst in transit to or from or whilst at any recognized golf club during the insured journey, subject to the sub-limits below and up to the maximum benefits stated in the table of benefits. Sub-limits applicable to this extension are as follows: 1. HKD2,500 for any one article, pair, set or collection in respect of the insured person; and 2. The maximum amount we will pay under this extension shall not exceed HKD5,000 per working holiday. In no event shall the total amount payable under this Section 5 - Personal Baggage Cover exceed of the maximum benefits stated in the table of benefits. Exclusion applicable to Section 5 1. the following classes of property: business merchandise or sample, foodstuffs and/or medicine, tobacco, 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 made of or contain 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. lap-top computer with any problems or defects triggered by 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 which occurs when it is not being on the same public common carrier as 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 by the insured person; 8. any loss of property when it is left unattended in public place; 9. any loss of property left in unlocked vehicle or in vehicle which is left unattended with no one inside, unless the property is locked inside a trunk of the vehicle; 10. any loss of data recorded on tapes, cards, diskettes; 11. damage to any brittle or fragile items such as glass or crystal; 12. 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 if the event occurs in an aircraft; 13. any loss claimed under Section 9 - Baggage Delay Allowance arising from the same cause; 14. any loss of or damage to property insured under any other policy or certificate of insurance, or otherwise reimbursed by public common carrier or a hotel; 15. loss of golf balls unless contained in the golf bag which is lost at the same time; or 16. damage to golf balls in play. Section 6 Loss of Travel Document and/or Travel Ticket We will pay the replacement cost of the Hong Kong Identity Card, credit cards, driving licence, travel ticket or travel document belonging to the insured person which is accidentally lost during the insured journey. In no event shall the total amount payable under this Section 6 - Loss of Travel Document and/or Travel Ticket exceed of the maximum benefits 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. any loss of travel document and/or visa and/or travel ticket which is not necessary for completing the insured journey;

4 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. the replacement costs of both the temporary and permanent versions of the same travel document. In the event of such loss, the insured person may claim only one (1) version of the same document. Section 7 Personal Liability We will indemnify any amount which the insured person becomes legally liable to pay as compensation and/or legal expenses for an accident occurring during the insured journey which causes accidental death or injury to a third party or damage to property of a third party, up to the maximum benefits stated in the table of benefits. 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. Exclusions applicable to Section 7 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. any cause whatsoever liability to any person who is the immediate family member or relative or employer or employee of the insured person; 4. contracts; 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 of the insured person; 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 8 Travel Delay (applicable to Enhanced Plan only) 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, or airport closure, we will pay the following benefits to the insured person: (a) Travel Delay 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 as follows: departure delay will be calculated starting from the original scheduled departure time of the public common carrier specified in the itinerary provided to the insured person until the actual departure time of (i) the original public common carrier or (ii) the first available alternative transportation offered by that public common carrier; or arrival delay will be calculated starting from the original arrival time specified in the itinerary provided to the insured person until the actual arrival time of (i) the 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 connecting flights, the delay is to be calculated based on the difference between actual arrival or departure time, as the case may be, and that stated on the itinerary regardless of the time spent on transit and the proximate cause of the delay must be one (1) of the causes set out in the first paragraph of this Section 8. (b) Extra Hotel Cost due to Travel Delay The additional, reasonable and irrecoverable accommodation expenses incurred outside Hong Kong as a result of the delay up to the maximum benefits stated in the table of benefits. Special Condition for Section 8 The insured person must have checked-in for 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 of delay and the reason for such delay or such other proof as we may reasonably require. Exclusions applicable to Section 8 1. delay of the insured journey as a result of any circumstance 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 except for the late arrival due to strike by the employees of the public common carrier); 3. any loss in relation to alterations to original itinerary that is not verified by the airline, travel agency or other relevant organizations; 4. any loss arising from air traffic control by local government or relevant authorities, or any loss arising from any government s regulations control or act; or 5. 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 8(a) - Travel Delay). Section 9 Baggage Delay Allowance (applicable to Enhanced Plan only) 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 pay a lump sum allowance to the insured person as stated in the table of benefits. This benefit cannot be claimed for more than once during any one (1) insured journey. Special Definition applicable to Section 9 All claims must be substantiated by written confirmation from the public common carrier on the number of hours of delay and the reason of such delay. Exclusions applicable to Section 9 1. any baggage not being on the same public common carrier of the insured person or souvenirs and articles mailed or shipped separately; 2. any 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 3. any loss claimed under Section 5 - Personal Baggage Cover arising from the same cause. Section 10 Cancellation of Trip (applicable to Enhanced Plan only) In the event that the insured person has to cancel the insured journey for the working holiday as a result of any of the following: (i) death, serious physical injury or serious illness of the insured person or immediate family member within ninety (90) days before the commencement date of the insured journey; (ii) witness summons, jury service or compulsory quarantine of the insured person within ninety (90) days before the commencement date of the insured journey; (iii) unexpected outbreak of strike, riot, civil commotion, infectious disease, terrorism, adverse weather conditions or natural disaster at the planned destination arising within one (1) week before the commencement date of the insured journey; or (iv) serious damage to the insured person s principal home in Hong Kong due to fire, flood or burglary within one (1) week before the commencement date of the planned insured journey which requires the insured person s presence in Hong Kong on the commencement date of the insured journey for the purpose of police investigation; we will pay 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, up to the maximum benefits stated in the table of benefits. Extension on Domestic Travel under Section 10 In the event that the insured person has to cancel the domestic journey as a result of any of the following: (i) death, serious physical injury or serious illness of the insured person within thirty (30) days before the commencement of the domestic journey; (ii) death, serious physical injury or serious illness of the immediate family member within thirty (30) days before the commencement of the domestic journey and as a result the insured person has (iii) to abandon the domestic journey and return to Hong Kong ; or unexpected outbreak of strike, riot, civil commotion, infectious disease, terrorism or adverse weather conditions or natural disaster at the planned destination arising within one (1) week before the commencement date of the domestic journey; we will pay for the loss of unused travel ticket 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, up to HKD5,000 per domestic journey. In no event shall the total amount payable under this Section 10 Cancellation of Trip exceed of the maximum benefits as stated in the Table of Benefits. Section 11 Curtailment of Trip (applicable to Enhanced Plan only) 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) (ii) (iii) death, serious physical injury or serious illness of the insured person or immediate family member; unexpected outbreak of strike, riot, civil commotion, infectious disease, terrorism, adverse weather conditions or natural disaster at the planned destination which prevents the insured person from continuing the insured journey; or 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 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. In no event shall the total amount payable under Section 11 Curtailment of Trip exceed the maximum benefits specified in the table of benefits. Exclusions applicable to Section 10 and Section 11 These sections do not cover: 1. any circumstances leading to the cancellation of the insured journey / domestic journey or the curtailment of the insured journey which is existing or announced before the effective date; 2. if the purpose of the insured journey / domestic journey is to obtain medical treatment or the insured journey / domestic 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, or air traffic control by local government or relevant authorities, 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 / domestic 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 11 - Curtailment of Trip only); or 11. in respect of losses claimed under Section 8 - Travel Delay arising from the same cause (applicable to Section 11 - Curtailment of Trip only). Section 12 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 which is payable by the insured person in respect of the loss of or damage to the rental vehicle, up to the maximum benefits stated in the table of benefits. In no event shall this benefit be paid more than once per working holiday. Special Condition applicable to Section 12 The cover under this Section is subject to the insured person having taken out relevant comprehensive motor vehicle insurance as arranged by the rental organization against loss of or damage to the rental vehicle during the rental period. Exclusions applicable to Section any loss arising from the 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 loss arising from the insured person being in charge of a rental vehicle while under the influence of alcohol or drugs; 3. any loss arising from the illegal or unlawful use of the rental vehicle by the insured person during the rental period; 4. any loss arising from the insured person not holding a driving license that is valid in the country where the rental vehicle is used; or 5. any loss if the insured person fails to purchase a comprehensive motor vehicle insurance policy that covers the rental vehicle. Section 13 Course Tuition Fee Cover In the event that the insured person is unable to attend the course enrolled prior to or during the working holiday as a result of any of the following: (i) (ii) (iii) death, serious physical injury or serious illness of the insured person within ninety (90) days before the course start date; death, serious physical injury or serious illness of the immediate family member within ninety (90) days before the course start date and as a result the insured person has to abandon the course and return to Hong Kong; or serious damage to the insured person s principal home in Hong Kong due to fire, flood or burglary within one (1) week before the course start date which requires the insured person s presence in Hong Kong on the course start date for the purpose of police investigation; we will reimburse the loss of course tuition fee which have been arranged and paid in advance and for which the insured person is legally liable and which are not recoverable from any other sources, up to the maximum benefits stated in the table of benefits. Part 3 General Exclusions This policy does not cover any loss or liability directly or indirectly arising as a result of or in connection with: 1. any pre-existing condition, congenital and hereditary condition; 2. any illegal or unlawful act by the insured person or confiscation, detention, destruction by customs or other authorities; 3. the insured person is not taking all reasonable efforts to safeguard his/her property/money, or to avoid injury to minimize any claim under this insurance; 4. riding or driving in any kind of motor racing, or engaging in a sport in a professional capacity or where the insured person would or could earn income or remuneration from engaging in such sport; 5. suicide or intentional self-inflicted injury; 6. insanity, mental or nervous disorders, any condition under the influence of alcohol or drugs (other than those prescribed by a qualified medical practitioner), alcoholism, drug addiction or solvent abuse; 7. any condition resulting from pregnancy, childbirth or miscarriage, abortion, pre-natal care as well as post-natal care and other complications arising therefrom, venereal disease;