SECTION 3 - JOURNEY CANCELLATION AND INTERRUPTION 3a. Journey Cancellation and Journey Postponement The Company shall reimburse the Insured Person up

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1 Singapore Airlines Travel Insurance Travel Insurance Terms and Conditions In consideration of the payment of premium and subject to the definitions, exclusions, limitations, provisions and terms contained herein, endorsed hereon, or attached hereto, AIG Insurance Hong Kong Limited (hereinafter called the Company ) agrees to provide insurance to the Insured Person(s) named in the Policy issued in relation to a Journey that commenced and occurred within the Period of Insurance subject to the terms and conditions of this Policy (hereinafter called "insured Journey") and promises to pay indemnity for loss to the extent provided herein. The Policy Schedule, Travel Insurance Terms and Conditions and endorsements (if any), shall constitute the entire contract of insurance (hereinafter called the Policy ). This insurance is only valid for conventional leisure travel or business travel (limited to administrative duty) purpose only and shall not apply to persons undertaking expeditions, treks or similar journeys. Schedule of Benefits Benefits Maximum Benefits (HK$) International Asia 1. Emergency Medical Expenses and Assistance a. Medical Expenses 3,800, ,000 - Sub-limit of Follow Up Medical Expenses in Hong Kong 40,000 20,000 b. Emergency Medical Evacuation Actual Cost Actual Cost c. Repatriation of Remains 80,000 80,000 d. Overseas Hospital Cash 8,000 8,000 - Sub-limit per day: e. Hospital Visitation and Compassionate Visit 20,000 12,000 f. Emergency Telephone Charges g. Child Guard 30,000 N/A 2. Personal Accident 600, ,000 (For Insured Person under 17, maximum benefit: HK$250,000) 3. Journey Cancellation and Interruption a. Journey Cancellation and Journey Postponement 40,000 20,000 b. Journey Curtailment and Interruption 40,000 20, Personal Effects a. Baggage & Personal Effects 20,000 12,000 - Sub-limit for any one article/ pair/ set of articles 2,000 2,000 b. Personal Money 3,000 2,000 c. Travel Documents 20,000 10, Delay Coverage a. Travel Delay 4,000 3,200 b. Baggage Delay 3,000 3, Personal Liability 4,000,000 4,000, Golf Advantage a. Damage or Loss of Golfing Equipment 3,000 3,000 b. Hole-in-One 1,000 1, Home Guard 20,000 12, Rental Vehicle Excess 2,000 1,200 BENEFITS SECTION 1 - EMERGENCY MEDICAL EXPENSES AND ASSISTANCE 1a. Medical Expenses Under this Section, if the Insured Person sustains an Injury or Sickness during the insured Journey and as a result the Insured Person incurs medical expenses for treatment of the said Injury or Sickness prior to his/her return to Hong Kong, the Company shall reimburse the Insured Person up to the Maximum Benefit stated in the Schedule for that portion of the medical expenses which (i) are incurred by the Insured Person within three-hundred and sixty-five (365) days from his/her first sustaining the said Injury or Sickness; and (ii) constitute Usual, Reasonable and Customary Medically Necessary Expenses. - Follow-up Medical Expenses In the event that the Insured Person, following his/her return to Hong Kong, requires follow-up medical treatment for the Injury or Sickness referred to above (i.e. in addition to the treatment for the Injury or Sickness received prior to the Insured Person s return), then the Company shall also reimburse the Insured Person up to but not exceeding HK$40,000 for that portion of the follow-up medical expenses which i) are incurred within 3 months of the Insured Person s return to Hong Kong and ii) constitute Usual, Reasonable and Customary Medically Necessary Expenses charged by a Qualified Medical Practitioner practising western medicine. This Follow-up Medical Expenses benefit shall also be extended to cover the Medically Necessary Expenses incurred for the same purpose paid to Chinese Medicine Practitioner subject to an aggregate limit of HK$1,800 and a per visit and per day limit of HK$150. In no event, however, shall the total amount payable under this Section 1a (Medical Expenses) exceed 100% of the Maximum Benefit as stated in the Schedule of Benefits. 1b. Emergency Medical Evacuation When as a result of an Injury sustained or Sickness commencing while the Insured Person is traveling overseas during the insured Journey and if in the opinion of the Company or its authorized representative, it is judged medically appropriate to move the Insured Person to another location for medical treatment, or to return the Insured Person to Hong Kong or his/her habitual residence, the Company or its authorized representative shall arrange for the evacuation utilizing the means best suited to do so, based on the medical severity of the Insured Person s condition. The Company shall pay directly to the medical provider the Covered Expenses for such evacuation. Covered Expenses are expenses for services provided and/or arranged by the Company or its authorized representative for the transportation, medical services and medical supplies necessarily incurred as a result of an emergency medical evacuation of an Insured Person as described herein. The means of evacuation arranged by the Company or its authorized representative may include air ambulance, surface ambulance, regular air transportation, railroad or any other appropriate means. All decisions as to the means of transportation and the final destination will be made by the Company or its authorized representative and will be based solely upon medical necessity. The Insured Person or a person on his/her behalf must contact Travel Guard Assistance Hotline at (852) for the arrangement. 1c. Repatriation of Remains When as a result of an Injury sustained or Sickness commencing while the Insured Person is traveling during the insured Journey, the Insured Person dies during the course of the insured Journey, the Company or its authorized representative shall make the necessary arrangements for the return of the Insured Person s remains to Hong Kong, or his/her habitual residence. The Company shall pay the actual cost incurred for such repatriation up to the Maximum Benefit stated in the Schedule of Benefits. In addition, the Company shall reimburse for expenses actually incurred at the place of death outside Hong Kong for the cost of a casket, the embalming and cremation process rendered by a mortician or undertaker up to the Maximum Benefit stated in the Schedule of Benefits. The Insured Person or a person on his/her behalf must contact Travel Guard Assistance Hotline at (852) for the arrangement. 1d. Overseas Hospital Cash The Company will pay the Insured Person HK$800 per one (1) day of overseas Hospital Confinement up to the Maximum Benefit as stated in the Schedule of Benefit in the event that the Insured Person is Confined in an overseas Hospital due to an Injury or Sickness sustained during the insured Journey. 1e. Hospital Visitation and Compassionate Visit The Company will reimburse up to the Maximum Benefit as stated in the Schedule of Benefits for the reasonable additional Accommodation and/or Travel Ticket necessarily incurred by one (1) adult Immediate Family Member to fly over or one (1) Traveling Companion of the Insured Person to fly over or stay behind, to be with and/or take care of the Insured Person, following the death, Serious Injury Or Serious Sickness of the Insured Person during the insured Journey. This coverage can only be utilized once during the insured Journey. 1f. Emergency Telephone Charges The Company will reimburse the Insured Person up to Maximum Benefit stated in the Schedule of Benefits: (i) the telephone charges incurred by the Insured Person for use of the Insured Person s or a third party s personal mobile phone or of a phone using a standard LAN Line, or (ii) the Insured Person s purchase of a prepaid phone card subject to a maximum reimbursable amount of HK$60, for the sole purpose of engaging the services of Travel Guard during a medical assistance/emergency, and for which a medical claim has been submitted under Section 1a. 1g. Child Guard (applicable to International plan ONLY) The Company will reimburse up to the Maximum Benefit as stated in the Schedule of Benefits, the reasonable additional Accommodation and/or travel fare for one (1) Immediate Family Member or one (1) Traveling Companion to accompany the Insured Person s child(ren) aged under fifteen (15) back to Hong Kong in case the Insured Person is Confined in an overseas Hospital due to Serious Injury Or Serious Sickness and where no other Immediate Family Member is available to accompany the Insured Person s child(ren) at the time. Exclusions Applicable to Section 1 - Emergency Medical Expenses & Assistance 1. For 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. 2. If the purpose of the insured Journey is to obtain medical treatment or the insured Journey is undertaken against the Qualified Medical Practitioner's recommendation. 3. For any expenses incurred for services provided by another party for which the Insured Person is not liable to pay, or any expenses already included in the cost of a scheduled insured Journey. 4. For failure to obtain a written medical report from the Qualified Medical Practitioner. 5. If the Insured Person refuses to follow the recommendation of a Qualified Medical Practitioner to return to Hong Kong or to continue the insured Journey whilst the Insured Person s physical condition at the time of recommendation is fit for travel. 6. For any expenses for a service not approved and arranged by the Company or its authorized representative except that this exclusion shall be waived in the event the Insured Person or his/her Traveling Companion(s) cannot contact Travel Guard Assistance Hotline during an emergency medical situation for reasons beyond their control. In any event, the Company reserves the right to reimburse the Insured Person only for those expenses incurred for service which the Company or its authorized representative would have provided under the same circumstances. (For Section 1b. Emergency Medical Evacuation only) 7. For any expenses incurred for the transportation of the Insured Person s remains not approved and arranged by the Company or its authorized representative. (For Section 1c. Repatriation of Remains only). 8. For the follow up treatment expenses incurred outside Hong Kong. 9. For any additional cost of single or private room accommodation at a Hospital or charges in respect of special or private nursing, non-medical personal services such as radio, telephone (except for Section 1f. Emergency Telephone Charges) and the like; procurement or use of special braces, appliances or equipment. 10. For any cosmetic surgery, refractive errors of eyes or hearing-aids, and prescriptions therefor except necessitated by accidental Injury occurring during the insured Journey. 11. For the same loss under both Section 1e (Hospital Visitation and Compassionate Visit) and Section 1g (Child Guard) arising from the same cause. SECTION 2 - PERSONAL ACCIDENT The benefit under this Section is payable only with respect to Injury sustained by an Insured Person as a result of an Accident during the insured Journey which, directly and independently of all other causes shall result in any Event as provided in the Benefit Table hereunder, but only to the extent and if such Injury results in the Event happening within ninety (90) days after the date of the Accident. Benefit Table EVENTS Accidental Death and Disablement Percentage of Principal Sum 1. Death 100% 2. Permanent Total Disablement 100% 3. Permanent and incurable paralysis of all limbs 100% 4. Permanent total Loss of Sight of one eye or both eyes 100% 5. Loss of or the Permanent total Loss of Use of one limb 100% 6. Loss of or the Permanent total Loss of Use of two limbs 100% 7. Loss of Speech and Loss of Hearing 100% 8. Permanent total Loss of Hearing in: (a) both ears 75% (b) one ear 15% Compensation: 1. If more than one (1) of the above Events are applicable, only the Event with the highest compensation (i.e. the highest Percentage of Principal Sum) will be payable under this Section and in any event shall not exceed the Maximum Benefit stated in the Schedule of Benefits. 2. The insurance for any Insured Person under this Policy shall terminate upon the occurrence of any loss 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. 3. When a limb or organ which had been partially disabled prior to an Injury covered under this Policy becomes totally disabled as a result of such Injury, the Percentage of Principal Sum payable shall be determined by the Company having regard to the extent of disablement caused by the Injury. No payment however shall be made in respect of the loss of a limb or organ which was permanently disabled prior to the Injury. 4. If the Insured Person is under seventeen (17) years of age on the Effective Date, the Maximum Benefit payable will be HK$250,000 subject to the Percentage of Principal Sum as stated in the above Benefit Table under Section 2 (Personal Accident). This Section is extended to cover an Injury sustained by the Insured Person: 1. While he/she is traveling directly from his/her place of residence or place of regular employment in Hong Kong to the immigration counter within three (3) hours before the scheduled departure time of the Common Carrier in which the Insured Person has arranged to travel for the purpose of commencement of his/her insured Journey. 2. While he/she is traveling directly from the immigration counter in Hong Kong to his/her place of residence or place of regular employment within three (3) hours upon his/her arrival in Hong Kong after completion of his/her insured Journey. Exposure If by the reason of any covered Accident occurring during the insured Journey, the Insured Person is unavoidably exposed to the elements (including but not limited to prolonged and rigorous weather or environmental conditions) and as a direct and unavoidable result of such exposure sustains death, loss or disablement within twelve (12) months from the date of Accident, the Company will pay in accordance to the Events as stated in the Benefit Table. Disappearance If the Insured Person disappears as a result of the disappearance, sinking or wrecking of the Common Carrier caused by an Accident in which the Insured Person was traveling at the time of the Accident during the course of the insured Journey and remains missing after twelve (12) months from the date of the Accident, and the Company has reason to believe that the Insured Person has died in the Accident, the Company will pay the Personal Accident benefit, subject to receipt of a signed undertaking by the personal representative of the Insured Person s estate that any such payment shall be refunded to the Company if it is later discovered that the Insured Person did not die as a result of the Accident. Exclusion Applicable to Section 2 - Personal Accident 1. For the purpose of Section 2, in no event shall the Company be liable to pay for any loss caused by an Injury or otherwise which is a consequence of any kind of disease or Sickness. AIG Insurance Hong Kong Limited Page 1 of 8 Singapore Airlines Travel Insurance (SIA201506)

2 SECTION 3 - JOURNEY CANCELLATION AND INTERRUPTION 3a. Journey Cancellation and Journey Postponement The Company shall reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for (1) the loss of travel fare and/or Accommodation paid in advance by the Insured Person and for which the Insured Person is legally liable and which are not recoverable from any other source consequent upon the cancellation of the insured Journey; OR (2) administrative charges to postpone the Insured Journey, always provided these cost are less than what the Company would have otherwise paid under 3a.(1) above, necessitated by the occurrence of any of the following, within the period of ninety (90) days before the scheduled departure date of the insured Journey (except for sub-paragraphs (iii) and (iv) below): i. Death or Serious Injury Or Serious Sickness of the Insured Person, Insured Person s Immediate Family Member, Close Business Partner or Traveling Companion; ii. Witness summons, jury service or compulsory quarantine of the Insured Person; iii. Unexpected outbreak of strike by the employees of a Common Carrier for the planned insured Journey, epidemic, riot or civil commotion at the planned destination within the period of one (1) week before the departure date of the planned insured Journey; iv. Serious damage to the Insured Person s and/or Traveling Companion s Primary Residence in Hong Kong from fire, flood, earthquake or similar natural disasters within the period of one (1) week before the departure date of the planned insured Journey which requires the Insured Person s and/or Traveling Companion s presence in the premises on the departure date of the insured Journey. This coverage under Section 3a (Journey Cancellation and Journey Postponement) cannot be utilized once the Insured Person has commenced the insured Journey. 3b. Journey Curtailment and Interruption (1) Journey Curtailment The Company shall reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefit for the amount of basic tour fee and/or Accommodation forfeited and/or additional travel fare and/or Accommodation reasonably and necessarily incurred after the commencement of the insured Journey where the Insured Person has to terminate and cut short the insured Journey and return to Hong Kong as a result of the following reasons: i. Death, Serious Injury Or Serious Sickness or hijacking of the Insured Person or Close Business Partner who is a resident in Hong Kong; ii. Death, Serious Injury Or Serious Sickness of the Insured Person s Immediate Family Members or Traveling Companion; iii. Sudden occurrence of strike by the employees of a Common Carrier, unanticipated outbreak of riot or civil commotion, natural disasters, or epidemic at the planned destination which prevents the Insured Person from continuing with his/her scheduled insured Journey. (2) Journey re-arrangement The Company shall reimburse the Insured Person up to the Maximum Benefit stated in the Schedule of Benefits for additional and reasonable travel fare and/or Accommodation incurred after the commencement of the insured Journey as a direct result of sudden occurrence of strike by the employees of a Common Carrier, unanticipated outbreak of riot or civil commotion, inclement weather, natural disasters, or epidemic at the planned destination. Such reimbursement is only payable if the aforesaid expenses are incurred solely for the purpose of the continuation of the traveling to the original planned destination comprised in the insured Journey. Curtailment Expenses payable under Section 3b(1) in relation to the amount of basic tour fee and/or Accommodation forfeited will be calculated in proportion to the number of days remaining after the relevant interruption of the insured Journey. Actual expenses incurred in relation to additional travel fare and/or Accommodation for the insured Journey payable under both Section 3b(1) (Curtailment Expenses) and 3b(2) (Journey re-arrangement) will be reimbursed up to the Maximum Benefit as stated in the Schedule of Benefits. (3) Compulsory Quarantine The Company shall reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for the amount of pro-rated basic tour fee and/or Accommodation forfeited after the commencement of the insured Journey where the Insured Person is Compulsorily Quarantined due to suspected exposure to Pandemic Influenza infection. Compulsory Quarantine payable under Section 3b(3) in relation to the amount of basic tour fee and/or Accommodation forfeited will be calculated in proportion to the number of quarantined days during the insured Journey. The maximum amount payable under Section 3b(1) (Curtailment Expenses), Section 3b(2) (Journey re-arrangement) and Section 3b(3) (Compulsory Quarantine) shall not in aggregate exceed 100% of the Maximum Benefit for Section 4b (Journey Interruption) as stated in the Schedule of Benefits. This coverage Section 4b (Journey Interruption) is effective only if this insurance is purchased before the Insured Person becomes aware of any circumstances which can lead to the disruption or interruption of the insured Journey. Exclusions Applicable to Section3 - Journey Cancellation And Interruption No benefits will be provided for any loss: 1. That is covered by any other existing insurance scheme, government program, or which will be paid or refunded by any Common Carrier, travel agent or any other provider of transportation and/or accommodation. 2. That is caused directly or indirectly by government regulations or control, bankruptcy, liquidation or default of travel agencies, tour operator and/or Common Carrier. 3. That arises from any circumstances leading to the cancellation and/or disruption of his/her insured Journey before the purchase of this travel insurance. 4. That directly or indirectly arises from the Insured Person's failure to notify the travel agent/ tour operator or provider of transportation or accommodation immediately if it is necessary to cancel or curtail the travel arrangement for the reasons set out in sub-paragraphs i. to iv. of Section 3a (Journey Cancellation and Journey Postponement) or sub-paragraphs i. to iii. of Section 3b(1) (Journey Curtailment). 5. In respect of any loss claimed under Section 5a (Travel Delay), Section 3b(1) (Journey Curtailment) and Section 3b (2) (Journey re-arrangement) arising from the same cause. 6. If the Insured Person fails to produce to the Company a written confirmation containing the information issued by the government or other relevant authorities regarding the Compulsory Quarantine, including but not limited to the quarantined period and the reason for such quarantine. SECTION 4 PERSONAL EFFECTS 4a. Baggage and Personal Effects The Company will pay the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for loss of or damage to baggage, clothing and personal effects, worn, carried by the Insured Person by hand, in trunks, suitcases and like receptacles owned by the Insured Person occurring during the insured Journey. If any damaged article is proven to be beyond economical repair, a claim will be dealt as if the article had been lost. The Company shall not be liable for more than HK$2,000 in respect of any one (1) article, pair or set of articles and may make payment or at its opinion reinstate or repair the article, pair, or set of articles subject to due allowance for wear and tear and depreciation in respect of any item more than one (1) year old from the date of purchase. Exclusions Applicable to Section 4a - Baggage and Personal Effects No benefits will be provided for: 1. The following classes of property: business goods or sample, foodstuffs, animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, any other conveyances, household furniture, antiques, jewelry or accessories, mobile phone (including PDA phone and other accessories), money (including checks, traveler s checks, etc), plastic money (including the credit value of credit card, Octopus cards, etc), securities, tickets or documents. 2. Any loss or damage caused by wear and tear, gradual deterioration, moths, vermin, inherent vice or damage sustained due to any process initiated by the Insured Person to repair, clean or alter any property. 3. Any loss of or damage to hired or leased equipment. 4. Any loss of or damage to property resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate such property; or in respect of any property which is contraband or which is or has been illegally transported or traded. 5. Any loss or damage to property insured under any other insurance, or which could be reimbursed by a Common Carrier, a hotel, and any service providers or otherwise. 6. Any loss of or damage to property which functions normally after it has been fixed or repaired by a third party. 7. With respect to any of the Insured Person s baggage which the Insured Person either intentionally sent by a different Common Carrier than the one in which the Insured Person was traveling, or with respect to any baggage, souvenir or other items which the Insured Person mailed or shipped separately. 8. Any loss of the Insured Person s baggage when it is left unattended in a public place or as a result of the Insured Person s failure to take due care and precautions for the safe guard and security of such property. 9. Any loss of data recorded on tapes, cards, diskettes or otherwise. 10. Breakage or damage to fragile articles. 11. Any loss or damage while in the custody of a hotel or Common Carrier, unless reported immediately on discovery in writing to such hotel or 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 not reported to the police within twenty-four (24) hours from occurrence of the incident and such police report is not obtained at the place of loss. 13. Loss by any mysterious disappearance. 14. Shortage due to error, omission, exchange or depreciation in value. 15. Receipts of the claimed items submitted which are not in the Insured Person s name. 16. Any loss claimed under Section 5b (Baggage Delay) arising from the same cause. 4b. Personal Money The Company will reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for the loss of cash, bank notes, traveler's check and money order occurring during the insured Journey. This reimbursement is subject to the condition that the relevant loss must have been reported to the police at the place of the loss within twenty-four (24) hours from the occurrence of the incident and any such claim must be accompanied by written documentation and report from such police. Exclusions Applicable to Section 4b - Personal Money 1. In respect of any form of the plastic money (including any credit card, Octopus cards, etc) or securities. 2. In respect of loss not reported to the police within twenty-four (24) hours from the occurrence of the incident and such police report is not obtained at the place of loss. 3. In respect of shortage due to error, omission, exchange or depreciation in value. 4. In respect of loss of traveler's checks where such loss is not immediately reported to the local branch or agent of the issuing authority. 5. For loss by any mysterious disappearance. 6. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate such cash, bank notes, check or money; or in respect of any cash, bank notes, check or money which is (or represents the proceeds of) contraband or which is or has been illegally transported or traded (or represents the proceeds of such actions). 4c. Travel Documents In the event that the Insured Person loses his/ her travel documents and/or travel tickets during the insured Journey as a direct result of robbery, burglary or theft, the Company will reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for: (i) the replacement cost of the travel documents and/or travel tickets; and/or (ii) reasonable additional cost of travel fare and/or Accommodation necessarily incurred by an Insured Person for the sole purpose of making necessary travel arrangements for replacing the travel documents. Exclusion Applicable to Section 4c - Travel Documents 1. If the loss is not reported to the police within twenty-four (24) hours from the occurrence of the incident and for which such police report is not obtained at the place of loss. 2. If the lost travel document and/or visa and/or travel tickets are not needed by the Insured Person to complete to the insured Journey. 3. For loss by any mysterious disappearance. 4. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against any such an occurrence; or from action taken by any Government of Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate any property; or in respect of any property which is (or represents the proceeds of) contraband or which is or has been illegally transported or traded (or represents the proceeds of such action). 5. For both the temporary and permanent versions of the same travel document. In the event of such loss, an Insured Person may claim either one (1) version but not both. SECTION 5 - DELAY COVERAGE 5a. Travel Delay The Company shall pay HK$400 for every full six (6) hours of delay up to the Maximum Benefit as stated in the Schedule of Benefits in the event that the 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 itinerary provided to the Insured Person by the Common Carrier, where such delay is caused directly by inclement weather, natural disaster, equipment failure, hijack or strike by the employees of the Common Carrier during the insured Journey. Departure or arrival delay will be calculated from the original scheduled departure or arrival time specified in the itinerary provided by the Common Carrier to the Insured Person until the actual departure or arrival time of a) the original Common Carrier or b) the first available alternative transportation offered by that Common Carrier management. The Insured Person can only claim for either departure or arrival delay of the same delayed Common Carrier. This coverage is effective only if this insurance is purchased before the announcement of any event or occurrence leading up to the relevant delay of the Common Carrier by the authorized representative/management of the Common Carrier. Exclusions Applicable to Section 5a - Travel Delay No benefits will be provided for: 1. Failure of the Insured Person to obtain written confirmation from the Common Carrier on the number of hours of and the reason for such delay. 2. Any loss arising from any event or occurrence leading up to the relevant delay which is announced before this insurance is purchased. 3. Any loss arising from late arrival of 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 Common Carrier). 4. Any loss arising from failure of Insured Person to get on-board the first available alternative transportation offered by the administration of the relevant Common Carrier. 5. Any consequential loss arising from the late arrival of a preceding Common Carrier that causes subsequent delays/misconnections of each Common Carrier in which the Insured Person has arranged to travel during the course of the insured Journey. 6. Any loss claimed under Section 3b(2) (Journey Re-arrangement) arising from the same cause. 5b. Baggage Delay The Company shall pay up to the Maximum Benefit as stated in the Schedule of Benefits for the actual expenses incurred for emergency purchase of essential items or requisites in consequence of temporary deprivation of the Insured Person s baggage for full ten (10) hours from the time of arrival at the destination due to the misdirection in delivery of the baggage by a Common Carrier on or in which the Insured Person is traveling during the insured Journey. This benefit can only be utilized once during the insured Journey. Exclusions Applicable to Section 5b - Baggage Delay 1. For the failure of the Insured Person to obtain written confirmation from the Common Carrier as to the number of hours and the reason for such delay. 2. With respect to any of the Insured Person s baggage which the Insured Person either intentionally sent by a different Common Carrier than the one in which the Insured Person was traveling, or with respect to any baggage, souvenir or other items which the Insured Person mailed or shipped separately. 3. For any loss claimed under Section 4a (Baggage and Personal Effects) arising from the same cause. AIG Insurance Hong Kong Limited Page 2 of 8 Singapore Airlines Travel Insurance (SIA201506)

3 SECTION 6 - PERSONAL LIABILITY The Company shall indemnify the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for legal liability to a third party arising during the insured Journey as a result of: 1. death or accidental bodily Injury to a third party; 2. accidental loss of or damage to property of a third party. However, the Insured Person must not make any offer or promise of payment or admit his/her fault to any other party, or become involved in any litigation without the Company s written approval. Exclusions Applicable to Section 6 - Personal Liability No benefits will be provided for: 1. Property of any person who is the Insured Person, Insured Person s Immediate Family Member or employer or deemed by law to be his/her employee. 2. Liability to any person who is the Insured Person s Immediate Family Member or employer or deemed by law to be his/her employee. 3. Property which belongs to the Insured Person or is in his/her care of custody or control. 4. Any liability assumed under contract. 5. Liability relating to the willful, malicious, or unlawful act on the part of the Insured Person. 6. Liability arising from the ownership, possession or use of vehicles, aircraft, watercraft, firearms or animals. 7. Liability arising from the undertaking of any trade, business or profession. 8. Liability arising from any criminal acts. 9. any fine or penalty. 10. punitive, aggravated or exemplary damages. SECTION 7 GOLF ADVANTAGE 7a. Damage or Loss of Golfing Equipment The Company will pay the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for theft of or damage to any Golf Baggage carried by the Insured Person during an insured Journey. If any damaged article of Golf Baggage is proven to be beyond economical repair, a claim will be dealt with as if such article was lost. The Company may make payment or at its opinion reinstate or repair such article subject to due allowance for wear and tear. 7b. Hole-in-One If the Insured Person completes a hole-in-one in an organised event at any 18-hole golf course during the insured Journey, the Company will pay up to the Maximum Benefit stated in the Schedule of Benefits to cover the cost of one round of celebratory drinks. The Insured Person must provide the Company with written confirmation from the Golf Club Professional that the hole-in-one was achieved and the receipts for the cost of celebratory drinks on the date of accomplishment at the golf club. Exclusions Applicable to Section 7. Golf Advantage 1. For accidental breakage or damage of the Golf Baggage while in use. 2. Any loss or damage caused by wear and tear, gradual deterioration, moths, vermin, inherent vice or damage sustained due to any process initiated by the Insured Person to repair, clean or alter any Golf Baggage. 3. Any loss of or damage to hired or leased Golf Baggage. 4. Any loss of or damage to property resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate such property; or in respect of any property which is contraband or which is or has been illegally transported or traded. 5. Any loss or damage to property insured under any other insurance, or which could be reimbursed for by a Common Carrier, a hotel, and any service providers or otherwise. 6. Any loss of or damage to Golf Baggage which functions normally after it has been fixed or repaired by a third party. 7. With respect to any of the Insured Person s baggage which the Insured Person either intentionally sent by a different Common Carrier than the one in which the Insured Person was traveling, or with respect to any baggage, souvenir or other items which the Insured Person mailed or shipped separately. 8. Any loss of the Insured Person s Golf Baggage when it is left unattended in a public place or as a result of the Insured Person s failure to take due care and precautions for the safe guard and security of such property. 9. Any loss or damage while in the custody of a hotel or Common Carrier, unless reported immediately on discovery in writing to such hotel or Common Carrier within three (3) days and a Property Irregularity Report is obtained in the case of the event occurred in an airline. 10. Any loss not reported to the police within twenty-four (24) hours from occurrence of the incident and such police report is not obtained at the place of loss. 11. For the same loss under Section 4a. (Baggage and Personal Effects) and Section 5b (Baggage Delay) arising from the same cause. 12. Loss by any mysterious disappearance. 13. Receipts submitted which are not in the Insured Person s name. SECTION 8 HOME GUARD The Company shall reimburse the Insured Person up to the Maximum Benefit stated in the Schedule of Benefits for the loss or damage to household contents owned, used or worn by the Insured Person contained within his/her Primary Residence in Hong Kong as a direct result of burglary while the Insured Person is traveling on the insured Journey. Such loss must be reported to the police and supported by written documentation and report from the police. The Company may make payment or at its opinion reinstate or repair subject to due allowance for wear and tear and depreciation. Exclusions Applicable to Section 8 Home Guard 1. Arising out of burglary while the Insured Person s Primary Residence in Hong Kong or any part thereof is unoccupied for more than thirty (30) days from or prior to the departure date of the insured Journey. 2. For any loss/ damage of bonds, bills of exchange, cash, coins, cheques, promissory notes, postal or money orders, record or book or similar tokens, luncheon voucher or other coupons, stored value cards, credit cards, deeds, documents of title, manuscripts, medals, passports, stamps, share certificates, contact or corneal lenses, mobile / portable telephone, 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. 3. For any loss not reported to the police within twenty-four (24) hours after the Insured Person returns back to Hong Kong after the insured Journey and a police report for such loss not having been obtained. 4. For shortage due to error, omission, exchange or depreciation in value. 5. For special equipment or apparatus used in connection with any profession, business or employment, or items which are insured under a separate insurance policy. 6. For malicious damage or vandalism by any person lawfully in the Primary Residence in Hong Kong. 7. For loss arising from the Insured Person not taking all reasonable efforts to take due care and precautions for the safeguarding and security of his/her home contents within his/her Primary Residence in Hong Kong to avoid or to minimize any claim and loss under this insurance. SECTION 9 - RENTAL VEHICLE EXCESS The Company shall reimburse the Insured Person up to the Maximum Benefits specified in the Schedule of Benefits for any excess or deductible which the Insured Person become legally liable to pay in respect of loss or damage caused by an Accident to the rental vehicle during the insured Journey. The Insured Person must be either a named driver or co-driver of the rental vehicle. The Company shall only be liable under this Section if the following conditions are satisfied:- a) the rental vehicle must be rented from a licensed rental agency; b) as part of the hiring arrangement, the Insured Person must take up all comprehensive motor insurance against loss or damage to the rental vehicle during the rental period; and c) the Insured Person must comply with all requirements of the rental organisation under the hiring agreement and of the insurer under such insurance, as well as the laws, rules and regulations of the country. Exclusions Applicable to Section 9 Rental Vehicle Excess No benefits will be provided for: 1. loss or damage arising from operation of the rental vehicle in violation of the terms of the rental agreement or loss or damage which occurs beyond the limits of any public roads or in the violation of laws, rules and regulations of the country; and 2. loss or damage arising from wear and tear, gradual deterioration, damage from insects or vermin, inherent vice, latent defect or damage. GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS THE COMPANY WILL NOT PAY UNDER ANY SECTION OF THIS POLICY FOR LOSS, INJURY, DAMAGE OR LIABILITY SUFFERED AND/OR SUSTAINED BY OR ARISING DIRECTLY OR INDIRECTLY AS A RESULT OF OR IN CONNECTION WITH ANY OF THE FOLLOWING: 1. War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power; 2. An Insured Person who travels in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria; 3. An Insured Person who is: (i) a Terrorist; (ii) a member of a terrorist organization; (iii) a narcotics trafficker; or (iv) a purveyor of nuclear, chemical or biological weapons; 4. Any illegal or unlawful act by the Insured Person or confiscation, detention, destruction by customs or other authorities; 5. Any prohibition or regulations by any government (except where a government is subjecting an Insured Person to Compulsory Quarantine as covered under Section 3a(ii) and 3b(3)); any breach of government regulation or any failure by the Insured Person to take reasonable precautions to avoid a claim under this insurance following the warning of any intended strike by the employees of a Common Carrier, riot or civil commotion, inclement weather, natural disasters, or epidemic; 6. Any Terrorist Act except for Section 1 (Emergency Medical Expenses and Assistance) and Section 2 (Personal Accident). 7. The Insured Person is not taking all reasonable efforts to safeguard his/her property/money, to avoid Injury or to minimize any claim under this insurance; 8. Riding or driving in any kind of motor racing, competition, engaging in a professional capacity in any sport where an Insured Person would or could earn income or remuneration from engaging in such sport as a source of income; 9. Any loss which has connection with the effects of alcohol or drugs other than those prescribed by a Qualified Medical Practitioner; 10. Pregnancy or childbirth, and any Injury or Sickness associated with pregnancy or childbirth; 11. Suicide or attempted suicide or intentional self-injury, or self-exposure to needless peril; 12. Any Pre-Existing Condition, congenital and heredity condition; 13. AIDS or any Injury or Sickness commencing in the presence of a sero positive test for HIV and related disease, sexually transmitted disease; 14. Psychosis, sleep disturbance disorder, mental or nervous disorders; 15. The Insured Person engaging in naval, military or airforce service or operations; armed force service; being as a crew member of an operator of any air carrier; testing of any kind of conveyance; engaging in any kind of labor work; engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives; performing as actor/actress; being a site worker, fisherman, cook or kitchen worker; tour guide or tour escort; 16. Any medical treatment received during an insured Journey which was made for the purpose of receiving medical treatment or if the insured Journey was undertaken while the Insured Person was unfit to travel; or the Insured Person is traveling against the advice of a Qualified Medical Practitioner; 17. Any loss and expenses that can be reimbursed or recovered from any other source except for Section 1d (Overseas Hospital Cash), Section 2 (Personal Accident) and Section 5a (Travel Delay); DEFINITIONS Accident means an unforeseen and involuntary event which causes an Injury during an insured Journey. Accommodation means room charge only. Acquired Immune Deficiency Syndrome or AIDS shall have the meanings assigned to it by the World Health Organization including Opportunistic Infection, Malignant Neoplasm, Human Immune Deficiency Virus (HIV) Encephalopathy (Dementia), HIV Wasting Syndrome or any disease or sickness in the presence of a sero-positive test for HIV. Chinese Medicine Practitioner shall mean any Chinese bonesetter, acupuncturist or Chinese medicine practitioner who is legally registered as a Chinese medicine practitioner under the Chinese Medicine 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. Close Business Partner shall mean a close business partner of an Insured Person proved as such to the satisfaction of the Company on the basis of business registration or corporate registration documentation acceptable to the Company. Common Carrier shall mean any bus, coach, ferry, hovercraft, hydrofoil, ship, train, tram or underground train provided and operated by a carrier duly licensed for the regular transportation of fare-paying passengers, 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 any helicopter provided and operated by an airline which is duly licensed for the regular transportation of fare-paying passengers and operating only between established commercial airports or licensed commercial heliports, and any regularly scheduled airport limousine operating on fixed routes and schedules. Compulsorily Quarantined or Compulsory Quarantine means the Insured Person is ordered to be quarantined compulsorily by the government or other relevant authorities. Confinement or Confined means the period the Insured Person is registered as an in-patient in a Hospital because of a medical necessity under the professional care of a Qualified Medical Practitioner and which the Hospital levies a charge for room and board for the treatment of an Injury or Sickness for such confinement. Effective Date means either 1) the issue date of the Policy or 2) the date the Journey Cancellation benefit becomes effective, whichever is later. Golf Baggage means golf clubs and golf bags. Hong Kong means the Hong Kong Special Administrative Region or the HKSAR. Hospital shall mean a hospital (other than an institution for the aged, chronically ill or convalescent rest or nursing home or a place for alcoholics or drug addicts, or for any similar purpose) operated pursuant to law for the care and treatment of sick or injured persons with organized facilities for diagnosis and surgery and having 24 hours nursing service and medical supervision. Immediate Family Member means Insured Person s spouse, parent, parent-in-law, grandparent, son or daughter, brother or sister, grandchild, legal guardian. Injury shall mean the bodily injury sustained in an Accident directly and independently of all other causes. Insured Person shall mean the Insured Person(s) named in the Policy Schedule or subsequently endorsed herein. Journey wherever used in this Policy shall mean the period of travel commencing from when the Insured Person leaves an immigration counter of Hong Kong for the purpose of commencement of his/ her journey until the Insured Person's arrival at any immigration counter of Hong Kong after the said journey or the expiry date of the Period of Insurance, whichever first occurs. Loss of or Loss of Use shall mean the Permanent total functional disablement or complete and permanent physical severance of a hand at or above the wrists or of a foot at or above ankle joints, and as used with reference to eyes, shall mean the entire and irrecoverable Loss of Sight. Loss of Hearing shall mean 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 of (a+2b+2c+d) is above 80dB. Loss of Speech shall mean the disability in articulating any three of the four 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 center in the brain resulting in Aphasia. Macau means the Macau Special Administrative Region or the Macau SAR. Malignant Neoplasm shall include but not be limited to Kaposi s sarcoma, central nervous system lymphoma and/or AIG Insurance Hong Kong Limited Page 3 of 8 Singapore Airlines Travel Insurance (SIA201506)