Contents Part I Schedule of Benefits (Round Trip Plan 1)... 3 Part II Definition of Words... 4 Part III Description of Cover... 6 Part IV General Excl

Transcription

1 Chubb Premier Travel Cover (Round Trip Plan 1) 安達尊尚旅遊保 ( 來回程計劃 計劃一 ) Policy Wording 保單條款 Chubb Travel Insurance

2 Contents Part I Schedule of Benefits (Round Trip Plan 1)... 3 Part II Definition of Words... 4 Part III Description of Cover... 6 Part IV General Exclusions Part V - Extensions Part VI General Conditions Part VII How To Make A Claim Part VIII Personal Information Collection Statement About Chubb in Hong Kong Contact Us 目錄 第一部分 保障計劃 ( 來回程計劃 計劃一 ) 第二部分 - 詞彙釋義 第三部分 - 項目說明 第四部分 - 一般不受保事項 第五部分 - 延期條款 第六部分 - 一般條款 第七部分 - 如何索償 第八部分 個人資料收集聲明...40 關於安達香港 聯絡我們 Chubb Premier Travel Cover (Round Trip Plan 1) Policy Wording, Hong Kong. 安達尊尚旅遊保 ( 來回程計劃 計劃一 ) 保單條款, 香港. Published 06/ Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb and its respective logos, and Chubb.Insured. are protected trademarks of Chubb 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured.SM 乃安達的保護註冊商標 2

3 In consideration of the payment of a premium to The Company and subject to the terms and conditions of this policy, The Company agrees to provide cover in the manner and to the extent set out in this policy. Please Read This Policy If this policy contains incorrect information, please return it to The Company immediately for correction. Part I Schedule of Benefits (Round Trip Plan 1) Benefits A. Personal Accident (a) Accident whilst travelling on a Public Conveyance (18 to 75 years of age) Sum Insured 2,000,000 (b) Other Accident (18 to 75 years of age) Sum Insured 1,000,000 (c) Additional Personal Accident Coverage for Marco Polo Club / Asia Miles Member (18 to 75 years of age) Sum Insured 200,000 (d) Accident for under 18 or above 75 years of age Sum Insured 250,000 B. Medical Expenses (a) Medical Expenses Sum Insured 2,000,000 (b) Follow-up Medical Expenses Maximum Sum Insured for Accidental Follow-up Medical Expenses Sum Insured 100,000 Maximum Sum Insured for Sickness Follow-up Medical Expenses Sum Insured 50,000 HK$ (b)(i) Maximum amount for Chinese Medicine Practitioner Sum Insured 3,000 (b)(ii) Daily maximum amount for Chinese Medicine Practitioner Sum Insured 150 (b)(iii) Maximum amount for Medical Equipment Sum Insured 20,000 (c) Trauma Counselling Sum Insured 20,000 (c)(i) Daily maximum amount for Trauma Counselling Sum Insured 2,000 C. Chubb Assistance 24-Hour Worldwide Assistance Services (a) Emergency Medical Evacuation and/or Repatriation Unlimited (b) Return of Mortal Remains Unlimited (c) Compassionate Visit Sum Insured 30,000 (d) Child Escort Sum Insured 30,000 (e) CHUBB Assistance Twenty Four (24) Hour Telephone Hotline And Referral Services Applicable D. Hospital Cash (a) Maximum amount Sum Insured 10,000 (b) Maximum daily benefit Sum Insured 500 E. Burns Benefit Sum Insured 300,000 F. Personal Property (a) Maximum amount Sum Insured 20,000 (b) Maximum amount for each item / set / pair Sum Insured 2,000 G. Personal Money Sum Insured 2,000 H. Loss of Travel Documents Sum Insured 20,000 I. Trip Cancellation Sum Insured 40,000 J. Trip Interruption (a) Special Occasion Interruption Sum Insured 1,000 (b) Trip Curtailment Sum Insured 40,000 (c) Loss of Awards redeemed for car rental / hotel accommodation Sum Insured 1,000 K. Travel Delau Maximum Benefit (cover for any one of K(a) to K(e)) Sum Insured 5,000 (a) Cash Benefit for each period of delay Sum Insured 700 (Every 10 hour period of delay) respective logos, and Chubb.Insured. are protected trademarks of Chubb. 3

4 (b) Forfeited travel expenses (trip eventually cancelled after at least 24 hours delay) Sum Insured 5,000 (c) Forfeited car rental expenses (at least 10 hours delay) Sum Insured 5,000 (d) Forfeited hotel accommodation expenses (at least 12 hours delay) Sum Insured 5,000 (e) Additional hotel accommodation and Public Conveyance expenses Sum Insured 5,000 L. Baggage Delay Sum Insured 2,000 M. Personal Liability Sum Insured 5,000,000 N. Credit Card Protection Sum Insured 50,000 O. Rental Vehicle Excess Sum Insured 5,000 Customer Services Hotline: (852) Hour Worldwide Assistance Hotline: (852) Part II Definition of Words The following defined terms shall have the meaning set out as follows in this policy: 1. A Second Degree Burn means Bodily Injury sustained as a result of burn and diagnosed by a Physician in which both the epidermis and the underlying dermis are damaged. 2. A Third Degree Burn means Bodily Injury sustained as a result of burn and diagnosed by a Physician in which the skin has been damaged or destroyed to its full depth and there is damage to the tissue beneath. 3. Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance. 4. Chubb Assistance or Authorised Assistance Service Provider means the independent service provider appointed by The Company to provide outside Hong Kong assistance services to Insured Persons. 5. Asia Miles means the travel reward programme operated by Asia Miles Limited on behalf of Cathay Pacific Airways Limited in conjunction with a group of airlines. 6. Award means car rental or hotel accommodation expenses which is redeemed through Asia Miles or Marco Polo Club. 7. Black Alert means the travel black alert issued by the Security Bureau of the Hong Kong Government under the Outbound Travel Alert (OTA) System. This definition may be changed by The Company from time to time based on changes to the OTA System communicated by the Security Bureau of the Hong Kong Government. 8. Bodily Injury means physical injury caused solely and independently by an Accident and sustained during the Period of Insurance. 9. Business Partner means one or more persons engaged in, and sharing the profits and risks of the same business enterprise as an Insured Person. 10. Cash means cash, banknotes or travellers cheques belonging to an Insured Person taken by an Insured Person on the Journey. 11. Chinese Medicine Practitioner means a person other than an Insured Person or an Immediate Family Member who is duly registered as a Chinese medicine practitioner according to the Chinese Medicine Ordinance (Cap. 549). 12. Confinement or Confined means a continuous period of necessary confinement in a Hospital as a Resident Inpatient for which the Hospital makes a charge for room and board. 13. Hospital means a legally constituted establishment operated and licensed pursuant to the laws of the country in which it is located and which meets all of the following requirements: (a) Operates primarily for the reception and medical care and treatment of sick, ailing or injured persons on a Resident Inpatient basis; and (b) Admits a Resident Inpatient only under the supervision of one or more Physicians, at least one of whom is available for consultation at all times; and (c) Maintains organised facilities for medical diagnosis and treatment of Resident Inpatients and provides (where appropriate) facilities for major surgery within the confines of the establishment or in facilities controlled by the establishment; and (d) Provides full-time nursing service by and under the supervision of a staff or nurses; and (e) Has an on-duty staff of at least one Physician and one qualified nurse at all times; and (f) Hospital shall not include the following: a mental institution, an institution operating primarily for the treatment of psychiatric or psychological disease including sub-normality or the psychiatric department of a hospital; respective logos, and Chubb.Insured. are protected trademarks of Chubb. 4

5 a place for the aged, a rest home or a place for drug addicts or alcoholics; a health hydro or nature cure clinic, a nursing or convalescent home, a special unit of a hospital used primarily as a place for drug addicts or alcoholics or as a nursing, convalescent, rehabilitation, extended-care facility or rest home. 14. Hong Kong means the Hong Kong Special Administrative Region. 15. Immediate Family Member means an Insured Person s spouse, parents, parents-in-law, grandparents, children, siblings, grandchildren or legal guardians. 16. Insured Person means the person or persons named in the Policy Schedule or subsequent endorsement(s) (if any). 17. Journey means the trip outside Hong Kong described in the Policy Schedule. 18. Marco Polo Club means The Marco Polo Club managed and operated by Cathay Pacific Airways Limited. 19. Medical Equipment means the following medical equipment or medical appliances: wheel-chairs, prostheses, spectacles, crutches, walking frames, orthopaedic braces and supports, cervical collars and hearing aids, which are certified by a Physician as being medically necessary to improve an Insured Person s condition resulting from a Bodily Injury or Sickness. 20. Medical Expenses means all Usual, Reasonable and Customary Medical Expenses necessarily incurred by an Insured Person as a result of Bodily Injury sustained or Sickness contracted, for Confinement, surgical, medical, or other diagnostic or remedial treatment given or prescribed by a Physician, including employment of a nurse, x-ray examination or the use of an ambulance as the result of an emergency. 21. Period of Insurance means the period described under the relevant plan in this policy as follows: For Round Trip Plan means, in relation to: (a) Section I (Trip Cancellation) of this policy only, the period of insurance starts from the Purchase Date as specified in the Policy Schedule and ends at the commencement of the Journey; or (b) all other sections of this policy, the period of insurance starts at the later of: (i) three (3) hours before the Insured Person s scheduled departure from Hong Kong to embark on a Journey; or (ii) the time at which an Insured Person commences his or her travel from anywhere in Hong Kong directly to the Hong Kong immigration control point to embark on a Journey and ends at the earliest of: (i) one-hundred-eighty (180) days after the Insured Person embarked the Travel Period (inclusive of start date) as specified in the Policy Schedule; or (ii) three (3) hours after the Insured Person has passed through Hong Kong immigration control point on his/her return; or (iii) after the Travel Period end date shown on the Policy Schedule. For One Way Plan means, in relation to: (a) Section I (Trip Cancellation) of this policy only, the period of insurance starts from the Purchase Date as specified in the Policy Schedule and ends at the commencement of the Journey; or (b) all other sections of this policy, the period of insurance starts at the later of: (i) three (3) hours before the Insured Person s scheduled departure from Hong Kong to embark on a Journey; or (ii) the time at which an Insured Person commences his or her travel from anywhere in Hong Kong directly to the Hong Kong immigration control point to embark on a Journey; and ends at the earliest of: (i) the time an Insured Person leaves the airport terminal of the final destination shown on the Policy Schedule; or (ii) Seventy-two (72) hours after the actual departure time from Hong Kong immigration control point. However, there will be no coverage during the period when an Insured Person is outside the airport premises while waiting for transit flight. 22. Permanent means: (a) In relation to one or both limbs, loss of use lasting twelve (12) consecutive months from the date of Accident and being beyond hope of improvement or remedy by surgical or other treatment at the expiry of that period, or loss by physical separation at or above the wrist or ankle joint during the same period; or (b) In relation to any other type of loss, being beyond hope of improvement or remedy by surgical or other treatment at the end of twelve (12) consecutive months from the date of Accident. 23. Permanent Total Disability means disablement that results solely, directly or independently of all other causes from Bodily Injury and which occurs within one hundred eighty (180) days of the Accident in which such Bodily Injury was sustained, which, having lasted for a continuous and uninterrupted period of at least twelve (12) consecutive months, will, in all probability, entirely prevent the Insured Person from engaging in gainful employment of any and every kind for the remainder of his/her life and from which there is no hope of improvement. 24. Personal Property means personal goods belonging to an Insured Person taken on the Journey or acquired by an Insured Person during the Journey, other than any form of money, any kind of document, any kind of food or beverage, antiques, contracts, bonds, securities, animals, software, mobile telecommunications device and accessories, means of transport and accessories, and jewelry (including but not limited to, for example crystals, earrings, necklaces, rings or brooches etc.) that is not being worn or carried by the Insured Person at the time of loss or damage. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 5

6 25. Physician means a person other than an Insured Person or an Immediate Family Member who is a qualified medical practitioner licensed by the competent medical authorities of the jurisdiction in which treatment is provided and who, in providing treatment, practices within the scope of his or her licensing and training. 26. Policy Schedule means the document(s) which (i) allow each Insured Person to be identified by name, (ii) states the destination of the insured Journey, and (iii) indicates which plan (Round Trip Plan or One Way Plan) has been selected. 27. Pre-existing Medical Condition means any sickness or injury of which, in the six (6) consecutive months before the first day of the Period of Insurance, an Insured Person, Immediate Family Member, Travel Companion or Business Partner presented signs or symptoms, or for which, in the same period, an Insured Person, Immediate Family Member, Travel Companion or Business Partner sought or received (or ought reasonably to have sought or received) medical treatment, consultation, prescribed drugs, advice or diagnosis by a Physician. 28. Principal Home means an Insured Person s primary place of residence in Hong Kong. 29. Public Conveyance means any mechanically propelled carrier operated by a company or an individual licensed to carry passengers for hire. 30. Resident Inpatient means an Insured Person whose Confinement as a resident bed patient is necessary for the medical care, diagnosis and treatment of Bodily Injury or Sickness and not merely for any form of nursing, convalescence, rehabilitation, rest or extended-care. 31. Rental Vehicle means a non-commercial inland vehicle (except motorcycle) rented or hired from a licensed motor vehicle rental/hire company for the sole purpose of carrying an Insured Person on public roadways. 32. Riot means the act of a group of people that disturb the public peace (whether in connection with a Strike or lock-out or not) and the action of any lawfully constituted governmental authority in suppressing or attempting to suppress any such disturbance or in minimizing the consequences of such disturbance. 33. Schedule of Benefits means the schedule of benefits in Part I of this policy. 34. Sickness means illness or disease commencing during the Period of Insurance. 35. Specially Designated List means names of a person, entities, groups, corporate specified on a list who are subject to trade or economic sanctions or other such similar laws or regulations of the United States of America, Australia, United Nations, European Union or United Kingdom. 36. Special Occasion means visiting or attending as a spectator a theme park, museum, musical or sporting event or competition which is open to the general public, opera, theatre, musical performance or concert. 37. Strike means the wilful act of any striker or locked-out worker done in furtherance of a strike or in resistance to a lock-out or the action of any lawfully constituted authority in preventing or attempting to prevent any such act or in minimizing the consequences of any such act. 38. Sum Insured means, in relation to each benefit available to an Insured Person under this policy, the maximum amount listed in the Schedule of Benefits or any endorsement(s) corresponding to that benefit. 39. The Company means Chubb Insurance Hong Kong Limited. 40. Travel Companion means a person who accompanies an Insured Person for the entire Journey. 41. Usual, Reasonable and Customary Medical Expenses means charges for treatment, supplies or medical services medically necessary to treat an Insured Person s condition and which do not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the charges are incurred. Charges that would not have been made if no insurance existed are excluded from this definition. Part III Description of Cover Section A Personal Accident (a) Accident whilst travelling on a Public Conveyance (18 up to and including 75 years of age on the first day of the Period of Insurance): If an Insured Person who is eighteen (18) up to and including seventy-five (75) years of age on the first day of the Period of Insurance sustains Bodily Injury while travelling as a fare-paying passenger on board a Public Conveyance or a carrier arranged by a travel agent and, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company will pay the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(a) of the Schedule of Benefits. (b) Other Accident (18 up to and including 75 years of age on the first day of the Period of Insurance): If an Insured Person who is eighteen (18) up to and including seventy-five (75) years of age on the first day of the Period of Insurance sustains Bodily Injury other than as set out at Section A(a) above, and, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company respective logos, and Chubb.Insured. are protected trademarks of Chubb. 6

7 will pay the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(b) of the Schedule of Benefits. (c) Additional Personal Accident Coverage for Marco Polo Club / Asia Miles Member (18 up to and including 75 years of age on the first day of the Period of Insurance) (Applicable for Round Trip Plan only) : If an Insured Person who is a valid member of Marco Polo Club or Asia Miles at the time of Accident and is eighteen (18) up to and including seventy-five (75) years of age on the first day of the Period of Insurance sustains Bodily Injury and, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company will pay the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(c) of the Schedule of Benefits, in additional to Section A(a) or Section A(b). (d) Accident for whom under 18 or above 75 years of age on the first day of the Period of Insurance: If an Insured Person who is under eighteen (18) years of age or above seventy-five (75) years of age on the first day of the Period of Insurance sustains Bodily Injury and, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company will pay the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(d) of the Schedule of Benefits. Section A Loss Table: Category Percentage of the Sum Insured 1. Accidental death 100% 2. Permanent Total Disability 100% 3. Permanent and total loss or incurable paralysis of all limbs 100% 4. Permanent and total loss of sight in both eyes 100% 5. Permanent and total loss of sight in one eye 100% 6. Permanent and total loss of two limbs 100% 7. Permanent and total loss of one limb 100% 8. Permanent and total loss of speech and hearing 100% 9. Permanent and total loss of hearing in both ears 75% 10. Permanent and total loss of hearing in one ear 15% 11. Permanent and total loss of speech 50% Special Conditions to Section A: 1. Where an Insured Person suffers more than one type of loss listed in the Loss Table in this Section A in the same Accident, The Company s liability under this Section A shall be limited to one payment for the type of loss which, of all the types of loss actually suffered, attracts the largest percentage stated in the Loss Table in this Section A of the relevant Sum Insured stated in Section A of the Schedule of Benefits. 2. The Company s total liability under this Section A for all Accidents involving the same Insured Person occurring during the Period of Insurance shall not exceed the relevant Sum Insured. 3. Where the use or enjoyment of an Insured Person s limb or organ was partially impaired before an Accident occurred, The Company may, in its sole discretion and after considering a medical assessment by The Company s appointed medical adviser of the extent to which any Bodily Injury was, in the medical adviser s opinion, caused solely and independently by that Accident, pay such percentage of the relevant Sum Insured as it considers reasonable. No payment shall be made for a limb or organ which was totally unusable before an Accident occurred. 4. Exposure: If during the Period of Insurance, the Insured Person is exposed to the elements as a result of an Accident and within twelve (12) months of the Accident the Insured Person suffers any one type of loss listed in the Loss Table in this Section A as a direct result of that exposure, the Insured Person will be deemed for the purpose of this policy to have suffered a Bodily Injury on the date of the Accident. 5. Disappearance: Where an Insured Person's body has not been found within one (1) year of the date of the disappearance, sinking or wrecking of the means of transport being used by the Insured Person on the date of the disappearance, sinking or wrecking: (a) It will be presumed that the Insured Person suffered Accidental death resulting from Bodily Injury at the time of such disappearance, sinking or wrecking; and (b) Subject to receiving an undertaking, signed by the deceased Insured Person s legal representatives, that if the presumption of Accidental death resulting from Bodily Injury is subsequently found to be wrong, any amount paid by The Company under this Section A will be immediately refunded to The Company. The Company will pay to respective logos, and Chubb.Insured. are protected trademarks of Chubb. 7

8 the legal representatives of the deceased Insured Person the percentage stated for Accidental death in the Loss Table in this Section A of the relevant Sum Insured stated in Section A of the Schedule of Benefits. 6. Any claim based on the membership of Marco Polo Club or Asia Miles must be accompanied by written official confirmation of such membership obtained from Cathay Pacific Loyalty Programmes Ltd. Exclusion to Section A: This Section A does not cover: 1. Sickness, disease or bacterial infection. Section B Medical Expenses (a) Medical Expenses: Applicable to Round Trip Plan Only If an Insured Person incurs Medical Expenses during the Period of Insurance arising from Bodily Injury or Sickness, The Company will reimburse the Insured Person for those Medical Expenses up to the Sum Insured stated in Section B(a) of the Schedule of Benefits. Applicable to One Way Plan Only If an Insured Person incurs Medical Expenses during the Period of Insurance arising from Bodily Injury, The Company will reimburse the Insured Person for those Medical Expenses up to the Sum Insured stated in Section B(a) of the Schedule of Benefits. (b) Follow-up Medical Expenses: (Applicable to Round Trip Plan Only) If an Insured Person incurs Medical Expenses outside Hong Kong during a Journey arising from Bodily Injury or Sickness and, after returning to Hong Kong, that Insured Person still requires treatment in Hong Kong for the same Bodily Injury or Sickness as given or prescribed by a Physician and/or Chinese Medicine Practitioner, The Company will continue to reimburse the Insured Person for: (i) Reasonable medical expenses incurred in Hong Kong for the purpose of Chinese medical treatment and charged by a Chinese Medicine Practitioner; or (ii) Any Medical Expenses incurred in Hong Kong other than as set out at Section B (b)(i) above; and/or (iii) The actual purchasing cost of Medical Equipment incurred in Hong Kong up to ninety (90) days after the Insured Person s return to Hong Kong or until the Sum Insured stated in Section B(b) of the Schedule of Benefits has been exhausted, whichever comes first. (c) Trauma Counselling Benefit (Applicable to Round Trip Plan Only) If during the Period of Insurance, an Insured Person is the victim of a traumatic event such as, but not limited to, rape, armed hold up, assault, natural disaster, hijack or acts of terrorism and sustains Bodily Injury due to that traumatic event, upon the production of the Physician s advice on the need of trauma counselling service as a result of such Bodily Injury, The Company will reimburse the Insured Person for reasonable and necessary expenses for trauma counselling incurred within ninety (90) days from the occurrence of the traumatic event, up to the Sum Insured stated in Section B(c) of the Schedule of Benefits. Special Conditions to Section B: 1. The Authorised Assistance Service Provider must be notified promptly if the Insured Person is admitted or anticipates admission to Hospital as a Resident Inpatient during the Period of Insurance outside Hong Kong. Failure to give the notice required by this condition precedent will result in The Company having no liability under this policy for those Medical Expenses. 2. The Company s liability under Section B(a) for all Medical Expenses incurred during the Period of Insurance shall not exceed the Sum Insured stated in Section B(a) of the Schedule of Benefits. 3. The Company s liability under Section B(b) for each and every expense incurred shall not exceed the amount stated in Section B(b) of the Schedule of Benefits. 4. The Company s liability under Section B(b)(i) for all expenses charged by Chinese Medicine Practitioner shall not exceed the amount stated in Section B(b)(i) of the Schedule of Benefits. The maximum daily amount incurred by Chinese Medicine Practitioner shall be the amount stated in Section B(b)(ii) of the Schedule of Benefits. 5. The Company s liability of Medical Expenses (including medical expenses charged by Chinese Medicine Practitioner) incurred in Hong Kong shall not exceed the amount stated in Section B(b) of the Schedule of Benefits. 6. The Company s liability under Section B(b)(iii) for all costs incurred for purchasing Medical Equipment shall not exceed the amount stated in Section B(b)(iii) of the Schedule of Benefits. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 8

9 7. The Company s total liability under Section B(c) for Trauma Counselling benefit incurred during the Period of Insurance shall not exceed the Sum Insured stated in Section B(c) of the Schedule of Benefits. The maximum daily amount incurred for trauma counselling benefit shall be the amount stated in Section B(c)(i) of the Schedule of Benefits. 8. The Company s total liability under this Section B for all Medical Expenses and all medical expenses charged by Chinese Medicine Practitioner, and all expenses for trauma counselling shall not exceed the Sum Insured stated in Section B(a) of the Schedule of Benefits. Exclusions to Section B: This Section B does not cover: 1. Any expense included or contemplated in the cost of a Journey at the time it was paid for. 2. Surgery or medical treatment which, in the opinion of the Physician attending the Insured Person, can reasonably be delayed until the Insured Person returns to Hong Kong. 3. Any expense incurred after an Insured Person has failed, within a reasonable period, to follow a Physician s advice to return to Hong Kong to continue treatment for Bodily Injury suffered or Sickness contracted outside Hong Kong. 4. Any expense incurred during a Journey after an Insured Person has been advised by a Physician prior to the departure of the Journey that he or she is unfit to travel. 5. Any expenses incurred under Section B(a) after twelve (12) months from the date the first expenses were incurred. 6. Any follow up expenses incurred under Section B(b) after ninety (90) days from the date the Insured Person returned to Hong Kong. 7. Any expenses incurred under Section B(c) after ninety (90) days from the occurrence of the traumatic event. 8. Health check-ups or any investigation(s) not directly related to admission diagnosis, Bodily Injury or Sickness or any treatment or investigation which is not medically necessary. 9. The cost of any medical equipment, unless it is claimable as Medical Equipment under Section B(b)(iii). Section C Chubb Assistance 24-Hour Worldwide Assistance Services (a) Emergency Medical Evacuation and/or Repatriation: (Applicable to Round Trip Plan Only) Where a Physician, designated by an Authorised Assistance Service Provider, certifies that Bodily Injury or Sickness renders an Insured Person unfit to travel or continue with their Journey or is a danger to their life or health; and the necessary medical treatment is not available, either at the nearest Hospital where the Insured Person was transported to or in the immediate vicinity thereof, after suffering the Bodily Injury or Sickness, The Company may, based on the advice of that Physician that the Insured Person is medically fit to be evacuated, determine in its sole discretion, that the Insured Person, should be evacuated to another location for the necessary medical treatment. The Authorised Assistance Service Provider shall arrange for the evacuation within a reasonable timeframe and utilise the best suited means, based on the medical severity of the Insured Person s condition for the transport of the Insured Person, including but not limited to, air ambulance, surface ambulance, regular air transport, railroad or any other appropriate means. All decisions as to the means of transport and the final destination will be made by Authorised Assistance Service Provider, and will be based solely upon medical necessity. The Insured Person may, in appropriate circumstances, be returned to Hong Kong. The Company will pay the actual cost of the Insured Person s emergency medical evacuation and/or repatriation and associated medical services and medical supplies directly to Authorised Assistance Service Provider. (b) Return of Mortal Remains: (Applicable to Round Trip Plan Only) Upon the death of an Insured Person as a direct and unavoidable result of Bodily Injury or Sickness, The Company will pay the actual cost for transporting the Insured Person s mortal remains from the place of death to Hong Kong, or the cost of local burial at the place of death as approved by the Authorised Assistance Service Provider. (c) Compassionate Visit: (Applicable to Round Trip Plan Only) If a Physician certifies that Bodily Injury or Sickness renders an Insured Person unfit to travel or continue with their Journey or is a danger to their life or health or suffers death during Journey, The Company will pay, up to the Sum Insured stated in Section C(c) of the Schedule of Benefits (i) the cost of one (1) economy class round trip ticket for one (1) person to visit the Insured Person outside Hong Kong, and (ii) the cost of one (1) ordinary room accommodation in any reasonable hotel outside Hong Kong for a maximum period of five (5) consecutive nights, but not the cost of drinks, meals and other room services. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 9

10 (d) Child Escort: (Applicable to Round Trip Plan Only) Where: (i) An Insured Person is Confined as a direct and unavoidable result of Bodily Injury or Sickness which a Physician certifies as either rendering that Insured Person unfit to travel or continue with his/her Journey or as being a danger to his/her life or health or suffers death during Journey; and (ii) That Insured Person is accompanied by a child who is an Insured Person and was at or under seventeen (17) years old on the first day of the Period of Insurance; and (iii) That child is at risk of being left unattended as a result of the Insured Person s Confinement or the Insured Person s death. The Company will arrange and pay up to the Sum Insured stated in Section C(d) of the Schedule of Benefits, for an economy class one-way ticket, together with escort services, for that child to be escorted back to Hong Kong. (e) Chubb Assistance Twenty Four (24) Hour Telephone Hotline And Referral Services: The services are provided by way of referral and arrangement only and all expenses incurred are to be borne by the Insured Person: Inoculation and Visa Requirement Information services Embassy Referral Interpreter Referral Loss of Baggage Assistance Loss of Travel Document Assistance Telephone Medical Advice Medical Service Provider Referral Monitoring of Medical Condition when Hospitalized Arrangement of Appointments with Doctors Arrangement of Hospital Admission For full details on this service, please refer to the telephone hotline and referral service information provided by Chubb Assistance. If you have any queries on this telephone hotline and referral service, please telephone Chubb Assistance on (852) Special Conditions to Section C: 1. Services under Section C are provided by the Authorised Assistance Service Provider. The Company or the Authorised Assistance Service Provider must be promptly notified of the occurrence of any event which may give rise to a potential claim under Section C(a) (d) Chubb Assistance 24 Hour Worldwide Assistance Services. Failure to give the notice required by this condition precedent could result in The Company having no liability under this Section C of the policy. 2. The arrangements for, means and final destination of emergency medical evacuation and/or repatriation will be decided by the Authorised Assistance Service Provider and will be based entirely upon medical necessity. 3. Upon payment being made under this Section C, The Company shall be entitled to any monies refundable from an original return airfare. Exclusions to Section C: This Section C does not cover any: 1. Expenses included or contemplated in the cost of a Journey at the time it was paid for. 2. Expenses incurred during a Journey after an Insured Person has been advised by a Physician prior to the departure of the Journey that he or she is unfit to travel. 3. Expenses incurred for services provided by another party for which the Insured Person is not liable to pay. 4. Expenses for a service not approved and arranged by an Authorised Assistance Service Provider. 5. Treatment performed or ordered by a person who is not a Physician. 6. Expenses incurred in relation to treatment that can be reasonably delayed until the Insured Person returns to Hong Kong. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 10

11 Section D Hospital Cash (Applicable to Round Trip Plan Only) Upon the Confinement in a Hospital outside Hong Kong of an Insured Person as a direct and unavoidable result of Bodily Injury or Sickness, The Company will pay an Insured Person a daily benefit of the amount stated in Section D(b) of the Schedule of Benefits for each day of Confinement, up to the Sum Insured stated in Section D(a) of the Schedule of Benefits. Extension to Section D: If, upon the completion of the Confinement of an Insured Person outside Hong Kong arising from Bodily Injury or Sickness, the Insured Person requires further Confinement for the same Bodily Injury or Sickness after the Insured Person s return to Hong Kong, The Company will pay the Insured Person a daily benefit in the amount stated in Section D(b) of the Schedule of Benefits for each day of further Confinement in Hong Kong, up to ninety (90) days after the Insured Person s return to Hong Kong or until the Sum Insured stated in Section D(a) of the Schedule of Benefits has been exhausted, whichever comes first. Special Conditions to Section D: 1. Payment of benefits under this Section D shall only be made after the Confinement ends. 2. The Company s liability under Section D for all Confinement of an Insured Person shall not exceed the amount stated in Section D(a) of the Schedule of Benefits. 3. Payment of benefits under this Section D shall be in addition to those payable under Section B Medical Expenses. Exclusion to Section D: This Section D does not cover: 1. Any Confinement which occurs more than ninety (90) days after the Insured Person s return to Hong Kong. Section E Burns Benefit If an Insured Person sustains Bodily Injury is diagnosed by a Physician to have suffered from A Second Degree Burn or A Third Degree Burn, The Company will pay the percentage stated for the degree of burn in the Burns Table in this Section E of the Sum Insured stated in Section E of the Schedule of Benefits. Burns Table Percentage of Compensation A Second Degree Burn or A Third Degree Burn on Head: Equal to or greater than 8% 100% Equal to or greater than 5% but less than 8% 75% Equal to or greater than 2% but less than 5% 50% Body: Equal to or greater than 20% 100% Equal to or greater than 15% but less than 20% 75% Equal to or greater than 10% but less than 15% 50% Special Conditions to Section E: 1. Where an Insured Person suffers more than one type of burn listed in the Burns Table in this Section E in the same Accident, The Company s liability under this Section E shall be limited to a single payment for the type of burn which, of all the types of burn actually suffered, attracts the largest percentage stated in the Burns Table in this Section E of the Sum Insured stated in Section E of the Schedule of Benefits. 2. Payment of benefits under this Section E shall be in addition to those payable under Section A Personal Accident. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 11

12 Section F Personal Property Subject to a reduction or allowance for physical deterioration, depreciation or obsolescence, The Company will indemnify, at its absolute discretion, reinstate, repair or replace Personal Property lost, stolen or damaged during the Period of Insurance, up to the Sum Insured stated in Section F(a) of the Schedule of Benefits. Special Conditions to Section F: 1. The local police or equivalent local law enforcement officials must be notified within twenty-four (24) hours of the occurrence of any Personal Property lost, stolen or damaged by the wilful act of a third party and which may give rise to a claim under this Section F. Failure to give the notice required by this condition precedent will result in The Company having no liability under this Section F. 2. Any claim for Personal Property lost, stolen or damaged by the wilful act of a third party under this Section F must be accompanied by written proof of loss having been reported to the police or equivalent local law enforcement officials. Failure to provide written proof of the notice required by this condition precedent will result in The Company having no liability under this Section F. 3. If loss, theft or damage occurs in transit, the Public Conveyance carrier must be promptly notified of the loss or damage within twenty-four (24) hours of the discovery of the loss or damage. Failure to give the notice required by this condition precedent will result in The Company having no liability under this Section F of the policy. 4. Any claim for Personal Property lost, stolen or damaged occurs in transit must be accompanied by written proof of loss having been reported to the responsible Public Conveyance carrier. Failure to provide written proof of the notice required by this condition precedent will result in The Company having no liability under this Section F. 5. The Company s maximum liability for loss or theft of, or damage to, each item of Personal Property during the Period of Insurance will be restricted to the amount stated in Section F(b) of the Schedule of Benefits. 6. Where any item of lost, stolen or damaged Personal Property forms part of a pair or set, The Company s maximum liability for that item and that pair or set will be restricted to the amount stated in Section F(b) of the Schedule of Benefits. 7. The Company s total liability under this Section F for all loss, theft or damage in connection with Personal Property during the Period of Insurance shall not exceed the Sum Insured stated in Section F(a) of the Schedule of Benefits. 8. Upon any payment being made under this Section F, The Company shall be entitled to take and retain the benefit and value of any recovered or damaged Personal Property and to deal with salvage at its absolute discretion. Exclusions to Section F: This Section F does not cover: 1. Loss, theft or damage arising from an Insured Person s negligence including, but not limited to, leaving Personal Property unattended. 2. Any unexplained loss. 3. Any loss or damage to Personal Property which was left unattended in a vehicle (except locked in the trunk) or Public Conveyance or in other public places. 4. Loss of, or damage to, any Personal Property due to moth, vermin, wear and tear, atmospheric or climatic conditions, gradual deterioration, mechanical or electrical failure, any process of cleaning, restoring, repairing, alteration, confiscation or detention or destruction by customs or any other authority. 5. Any hired or leased equipment. 6. Any loss or damage to, or any Personal Property forwarded in advance of a Journey or separately mailed or shipped in a Public Conveyance other than a Public Conveyance carrying the Insured Person at the same time. 7. Breakage and damage of fragile article. 8. Any amount/loss which is payable to, refundable to, or recoverable by, an Insured Person from any other source of indemnity, reimbursement or compensation. 9. Loss claimed under Section L Baggage Delay for the same incident. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 12

13 Section G Personal Money The Company will pay loss of an Insured Person s Cash due to i) Accident, ii) theft or robbery occurring during the Period of Insurance, up to the Sum Insured stated in Section G of the Schedule of Benefits. Special Conditions to Section G: 1. The local police or equivalent local law enforcement officials must be notified within twenty-four (24) hours of the occurrence of any event which may give rise to a claim under this Section G. Failure to give the notice required by this condition precedent will result in The Company having no liability under this Section G. 2. Any claim under this Section G must be accompanied by written proof of loss having been reported to the police or equivalent local law enforcement officials. Failure to provide written proof of the notice required by this condition precedent will result in The Company having no liability under this Section G. 3. The Company s total liability under this Section G for all loss during the Period of Insurance shall not exceed the Sum Insured stated in Section G of the Schedule of Benefits. Exclusions to Section G: This Section G does not cover: 1. Loss arising from an Insured Person s negligence including, but not limited to, leaving Cash unattended. 2. Any unexplained loss or loss due to confiscation or detention by customs or any other authority, devaluation of currency or shortages due to errors or omissions during money exchange transactions. 3. Loss arising from the use or misuse of any form of plastic money including, but not limited to, the credit value held on any card, electronic purse or equivalent store of credit. 4. Any amount/loss which is payable to, refundable to, or recoverable by, an Insured Person from any other source of indemnity, reimbursement or compensation. Section H Loss of Travel Documents The Company will reimburse an Insured Person up to the Sum Insured stated in Section H of the Schedule of Benefits for (a) the replacement cost of travel documents necessary for immigration clearance and/or travel tickets which are lost or stolen during the Period of Insurance, the absence of which would otherwise lead to delay of the Journey; and/or (b) the reasonable additional cost of transport and/or accommodation expenses necessarily incurred outside Hong Kong by an Insured Person for the sole purpose of arranging the replacement travel documents and/or travel tickets referred to in (a) above; and/or (c) the replacement cost of Marco Polo Club and/or Asia Miles membership card(s) which are lost or stolen during the Period of Insurance. Special Conditions to Section H: 1. The local police or equivalent local law enforcement officials must be notified within twenty-four (24) hours of the occurrence of any event which may give rise to a claim under this Section H. Failure to give the notice required by this condition precedent will result in The Company having no liability under this Section H. 2. Any claim under this Section H must be accompanied by written proof of loss having been reported to the police or equivalent local law enforcement officials. Failure to provide written proof of the notice required by this condition precedent will result in The Company having no liability under this Section H. 3. The Company s total liability under this Section H for all loss during the Period of Insurance shall not exceed the Sum Insured stated in Section H of the Schedule of Benefits. Exclusion to Section H: This Section H does not cover: 1. Loss arising from an Insured Person s negligence including, but not limited to, leaving travel documents necessary for immigration clearance and/or travel tickets unattended. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 13

14 Section I Trip Cancellation If after this policy has been purchased, in the event of: (a) The sudden and unexpected death of an Insured Person, an Immediate Family Member, intended Travel Companion or Business Partner occurring within ninety (90) days prior to the date the Journey is scheduled to begin; or (b) The Bodily Injury or Sickness of an Insured Person or an intended Travel Companion occurring within ninety (90) days prior to the date the Journey is scheduled to begin; or (c) The Bodily Injury or Sickness of an Immediate Family Member or Business Partner occurring within ninety (90) days prior to the date the Journey is scheduled to begin; or (d) The unexpected compulsory quarantine of an Insured Person beginning after this policy has been purchased and continuing within ninety (90) days prior to the date the Journey is scheduled to begin; or (e) The jury service of an Insured Person or an Insured Person being the subject of a witness summons, notice of which was received by that Insured Person after this policy has been purchased and continuing within ninety (90) days prior to the date the Journey is scheduled to begin; or (f) The unexpected occurrence of a Strike, Riot or civil commotion after this policy has been purchased at a destination scheduled in the Journey and continuing within one (1) week prior to the date the Journey is scheduled to begin; or (g) Serious damage to the Insured Person s Principal Home from fire, flood, earthquake or similar natural disaster occurring within one (1) week prior to the date the Journey is scheduled to begin and which reasonably requires the Insured Person s presence in Hong Kong on the scheduled departure date of the Journey; or (h) The unexpected issuance of a Black Alert for a destination scheduled in the Journey at least one (1) day after this policy has been purchased and which is in force at any time within one (1) week prior to the date the Journey is scheduled to begin resulting in cancellation of the Journey, The Company will reimburse, up to the Sum Insured stated in Section I of the Schedule of Benefits, the Insured Person s loss of transport and/or accommodation expenses paid in advance and forfeited, and/or the actual fee paid to Asia Miles for re-scheduling of the flight ticket by the Insured Person. Special Conditions to Section I: 1. Where a Journey is cancelled as a result of Bodily Injury or Sickness of an Insured Person or an intended Travel Companion, that Bodily Injury or Sickness must be certified by a Physician as rendering that Insured Person or intended Travel Companion unfit to travel or as being a danger to their life or health. 2. Where a Journey is cancelled as a result of Bodily Injury or Sickness of an Immediate Family Member or Business Partner, that Bodily Injury or Sickness must be certified by a Physician as being a danger to the life of that Immediate Family Member or Business Partner. 3. Failure to obtain the certifications required by this condition precedent will result in The Company having no liability under this Section I for the Insured Person s loss of transport and/or accommodation expenses paid in advance and forfeited. 4. Where an Insured Person is covered under more than any one item above, The Company s liability under this Section I shall be limited to the one which attracts the largest compensation under Section I in the Schedule of Benefits. 5. The Company s total liability under this Section I for all reimbursement under this Section I shall not exceed the Sum Insured stated in Section I of the Schedule of Benefits. Exclusions to Section I: This Section I does not cover any amount/ loss which: 1. Is payable to, refundable to, or recoverable by, an Insured Person from any other source of indemnity, reimbursement or compensation. 2. Any amount which an Insured Person is not legally obligated to pay. 3. Cancelled as a direct or indirect result of a prohibition or regulation issued by any national, regional or local government. 4. Cancelled due to the negligence, misconduct or insolvency of the travel agent through whom the Journey was booked. 5. Cancelled due to the inability of a tour operator or wholesaler to complete a group tour due to a deficiency in the number of persons. 6. Cancelled as a direct or indirect result of financial hardship experienced by an Insured Person, changes in an Insured Person s circumstances or contractual obligations or an Insured Person s general disinclination to proceed with the Journey. 7. Arising from a condition which, at the time of booking a Journey, existed or might reasonably have been anticipated as being likely to result in the Journey being cancelled. 8. Claimed under Section B Medical Expenses arising from the same cause or event. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 14