Travel Direct Global Insurance (Single-Trip plan)

Transcription

1 @Travel Protection Plan (Single-Trip Plan) Travel Insurance Terms and Conditions This document contains your travel insurance Policy terms and conditions. It is important that you read and understand it and retain it in a safe place. This Policy is signed and issued in consideration of the acceptance and approval of the application by the Insurer and it will take effect at the Policy effective date as shown in the Policy Schedule subject to which also the first premium has been fully received by the Insurer. The Policy will end at the expiry of the Period of Insurance as shown in the Policy Schedule. This is an overseas single-trip insurance product covering one (1) journey only. If during the Period of Insurance more than one (1) journey is undertaken only the first journey will be covered under this Policy. The Insurer This Policy is issued by: AIG Insurance Hong Kong Limited 46/F, One Island East 18 Westlands Road Island East Hong Kong Eligibility Criteria To be eligible for cover under this Policy: 1. you must be either a Hong Kong citizen or Hong Kong permanent resident or a resident with full rights to enter into and return to Hong Kong regardless of medical status; and 2. your itinerary must include Hong Kong and such travel arrangement must be made and paid for in Hong Kong ; and 3. your journey must commence in Hong Kong Important Contact Information AIG Travel Asia Pacific (ATAP) (available twenty-four (24) hours worldwide for emergency travel related calls) AIG claims (9:00am to 6:00pm week days, excluding public holidays) or us at eclaims.hk@aig.com Hong Kong Customer Service (9.00am to 6:00pm week days, excluding public holidays) or us at travelguard.hk@aig.com.hk. If you require assistance or need to call about a Policy that we have issued to you please quote the Policy Number as shown on your Policy Schedule. Please also have close to hand any information that will assist the call operator in answering your question or request for assistance. This includes your circumstances, current location and contact number. AIG Travel Asia Pacific Emergency Assistance Twenty-four (24) hour world-wide pre-trip and emergency assistance is provided by AIG Travel Asia Pacific (ATAP). If you require medical treatment that necessitates admittance to hospital as an in-patient, emergency transportation services or to return home for any reason covered by this Policy, you must contact ATAP and follow their advice or instruction. Failure to do so may prejudice your claim under this Policy. ATAP operates a network of service centres that will provide you with 24 / 7 access to appropriate medical facilities and emergency transportation services. By choosing AIG, you have direct access to these vital services before and during your journey. Depending on your specific needs, we can: AIG Insurance Hong Kong Limited Page 1 of Protection Plan(Single Trip) 01/07/2017

2 1. provide pre-trip advice and the local medical conditions at your destination; 2. help you in the event of lost baggage, travel documents or credit card by putting you in touch with the nearest consulate, embassy or other authorities; 3. when medical care is needed, direct you to suitable medical facilities, monitor your condition and treatment as well as keeping your family and friends at home informed; 4. decide if and when evacuation or repatriation is necessary and coordinate all services; and 5. provide help to re-schedule travel plans when your journey is interrupted by an emergency. We will try to get you medical attention when you travel but ATAP cannot guarantee that appropriate medical facilities will always be available. ATAP is only provided to assess and monitor your condition and cannot take over the running of your medical treatment. Please note that where your claim is not covered under the Policy, the provision of emergency assistance will not in itself be an admission of liability of your claim. To contact our assistance services, phone from anywhere in the world on AIG Travel Asia Pacific Hotline and Referral Service We will provide you with access to the following assistance services under this policy. Assistance Services are provided by AIG Travel Asia Pacific (ATAP). Please note that assistance services are not insurance benefits, and all expenses incurred in provision of such assistance services are to be borne by you. You can call ATAP on for utilising the following service. 1. Pre-Trip Visa Information: ATAP can provide information such as passport/visa requirements and assist in expediting the procurement of these documents. 2. Pre-Trip Inoculation Information Services: ATAP will provide inoculation recommendations that may be needed prior to traveling to the insured destination. 3. Pre-Trip Weather forecast Information Services: You can contact ATAP at any time to receive worldwide weather forecasts and information which may affect your travel plans. 4. Embassy Referral: Embassies and consulates are excellent sources for information and assistance to customers while traveling. ATAP will provide the address and phone number of the local embassy or consulate. 5. Legal Firm Referral: ATAP will provide the convenient legal referrals in your general area. 6. Interpreter Referral: ATAP provides emergency telephone translation services in all major languages and offers referrals to interpreter services. 7. Lost Luggage Assistance: ATAP can assist with the return of lost luggage by coordinating efforts with the commercial carrier. In the event that an item is lost while traveling, ATAP will assist you in the search for the lost item. ATAP will coordinate getting the luggage to your current destination or home. 8. Lost Passport Assistance: ATAP will assist you in the replacement of lost or stolen travel documents, passports or visas. 9. Telephone Medical Advice: You can call ATAP during a journey and speak with a qualified medical person about general medical conditions and/or specific symptoms. 10. Medical Services Provider Referral: You will be provided with a list of physicians, dentists and optometrists in the area in which you are traveling. Note: (a) (b) (c) ATAP undertakes to exercise due-care and diligence in the appointment and/or referral of any service provider to assist you. ATAP assumes no responsibly for any advice or service provided by any third party service provider. All third party costs associated with the services provided are your responsibility. Schedule of Benefits The Schedule of Benefits contains a brief summary of your Policy cover. The Plan limits that apply are the applicable limits for the Plan you selected for the insurance and shown on the Policy Schedule. The Maximum Benefit values shown are the maximum amounts in Hong Kong dollars that we will pay during the Period of Insurance, including any agreed extension period. Policy terms, conditions and sub-limits may apply. Please refer to the relevant Policy Section in the Policy Wording for further details. Maximum Limits for Insured Persons and Family 1. If you have purchased insurance to cover one (1) person only, the maximum amount we will pay under the Policy is the Maximum Benefit stated in the Schedule of Benefits under the applicable Plan selected by you and shown on the Policy Schedule issued to you. 2. If you have purchased insurance to cover two (2) people travelling together, the maximum amount we will pay under the Policy for each Insured Person is the Maximum Benefit stated in the Schedule of Benefits under the applicable Plan and shown on the Policy Schedule issued to you. 3. If you have purchased insurance to cover you, your spouse and children travelling together, then the maximum amount we will pay under the Policy is as follows: (a) for each Insured Person, is the Maximum Benefit stated in Schedule of Benefits under the applicable Plan selected by you and shown on the Policy Schedule issued to you; and AIG Insurance Hong Kong Limited Page 2 of Protection Plan(Single Trip) 01/07/2017

3 (b) Please note: in total for all Insured Persons, is 300% of the Maximum Benefit stated in the Schedule of Benefits under the applicable Plan selected by you and shown on the Policy Schedule issued to you. If you are under seventeen (17) years of age or over seventy (70) years of age, your benefits for Section 2 (Personal Accident) will be limited to 50% of the Maximum Benefit stated in the Schedule of Benefits for the Plan selected. All other benefits will remain at 100%. All ages are determined based on age when the journey commences. In this Policy, the journey commences when you leave an immigration counter of Hong Kong for the purpose of commencement of your journey. The Policy This Policy is primarily designed and valid for conventional leisure and business travel. A range of benefits are available under this Policy. However, there are some circumstances where cover cannot be provided. These limits, exclusions and conditions are described in the Benefits Section. However, we draw your attention to some important points below: 1. This Policy does not cover any pre-existing condition. This does not apply to Section 1e (Repatriation of Remains). 2. This Policy does not cover certain activities or travel, including but not limited to: (a) (b) (c) (e) extreme sport or sport activities or competing in sporting competitions; expeditions; manual work; or missionary or humanitarian travel. Ongoing Duty of Disclosure If you or a person to be covered under this Policy suffers a new medical or dental event or your general state of health deteriorates after you have purchased this Policy, but before your departure for your journey, you must contact us, otherwise the consequences of your change in health may not be covered under the Policy once your journey commences. In this circumstance, we reserve the right to review the cover granted including withdrawing or amending cover previously approved for the journey. If we apply new cover restrictions and the new restrictions imposed by us prevent you from undertaking the planned journey, then you will have the right to lodge a claim under Section 4a (Journey Cancellation). Product and Plan Selections On your Policy Schedule you will see your selected Product, Policy Type and Plan. Product This is an overseas Single-Trip insurance product that covers one (1) journey during the Policy Period up to the maximum duration as shown on your Policy Schedule. This Product is also broken down further into Plans. Plans You can select from three (3) types of Plans under each Product. Different Plans have different levels of benefit. These benefits are set out under Schedule of Benefits. The possible Plans are Silver, Gold and Platinum. Policy types On your Policy Schedule, you will also be able to see your selected Policy Type. The Policy Type shows which people are insured. The possible Policy Types are Individual or Family cover. 1. Individual if you selected Individual cover the Policy covers you only. 2. Family if you selected Family cover the Policy covers you plus your spouse and children named in the Policy Schedule who travel with you for the entire journey on the same itinerary. BENEFITS SECTION 1 - EMERGENCY MEDICAL EXPENSES AND ASSISTANCE 1a. Overseas Medical Expenses If you sustain an injury or sickness during the journey and as a result you incur medical expenses for treatment of the injury or sickness prior to your return to Hong Kong, we will reimburse you up to the Maximum Benefit stated in the Schedule of Benefits for that portion of the medical expenses which: (i) (ii) (iii) for Silver and Gold plans, are incurred by you within ninety (90) days from first sustaining the injury or sickness; or for Platinum plan, are incurred by you within one-hundred and eighty (180) days from first sustaining the injury or sickness; and constitute usual, reasonable and customary medically necessary expenses. Important: If you are admitted to a hospital and you are likely to be kept as an inpatient for more than twenty-four (24) hours, you or a person on your behalf must contact ATAP at (852) immediately. If you or a person acting on your behalf does not notify ATAP prior to your stay exceeding twenty-four (24) hours, we may provide no cover or may reduce the amount reimbursed to you for medical expenses. 1b. Follow-up Medical Expenses If, following your return to Hong Kong, you require follow-up medical treatment for the injury or sickness covered under 1a above (i.e. in addition to the treatment for the injury or sickness you first received overseas), then we will also reimburse you up to the Maximum Benefit stated in the Schedule of Benefits for injury or sickness respectively, for that portion of the follow-up AIG Insurance Hong Kong Limited Page 3 of Protection Plan(Single Trip) 01/07/2017

4 medical expenses which: (i) for Silver and Gold plans, are incurred within ninety (90) days of your return to Hong Kong; or (ii) (iii) for Platinum plan, are incurred within one hundred and eighty (180) days of your return to Hong Kong; and constitute usual, reasonable and customary medically necessary expenses charged by a qualified medical practitioner practicing western medicine. This Follow-up Medical Expenses benefit will also be extended to cover the medically necessary expenses incurred for a Chinese medicine practitioner up to the Maximum Benefit stated in the Schedule of Benefits, subject to a maximum of HK$200 per visit and/or per day. In no event, however, will the total amount payable under Section 1a (Medical Expenses) and 1b (Follow-up Medical Expenses) exceed 100% of the Maximum Benefit stated in the Schedule of Benefits under Section 1a. 1c. Overseas Hospital Cash We will pay you HK$500 per one (1) day of overseas hospital confinement up to the Maximum Benefit stated in the Schedule of Benefits if you are confined in an overseas hospital due to an injury or sickness sustained during the journey. Payment will only be made after the period of hospital confinement, supported by written evidence of the hospital confinement reason and period. In no event will the total amount payable under this Section 1c (Overseas Hospital Cash) exceed the Maximum Benefit stated in the Schedule of Benefits. 1d. Emergency Medical Evacuation When as a result of an injury sustained or sickness commencing while you are traveling during the journey and if in our or ATAP s opinion, it is judged medically appropriate to move you to another location for medical treatment, or to return you to Hong Kong or your habitual residence, we or ATAP will arrange for the evacuation utilising the means best suited to do so, based on the medical severity of your condition. We will pay directly to the medical provider the Covered Expenses for such evacuation. Covered Expenses are expenses for services provided and/or arranged by us or ATAP for the transportation, medical services and medical supplies necessarily incurred as a result of your emergency medical evacuation. The means of evacuation arranged by us or ATAP 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 us or ATAP and will be based solely upon medical necessity. You or a person on your behalf must contact ATAP at (852) for the arrangement. 1e. Repatriation of Remains When as a result of an injury sustained or sickness commencing while you are traveling during the journey, you die during the course of the journey, we or ATAP will make the necessary arrangements for the return of your remains to Hong Kong, or your habitual residence. We will pay the actual cost incurred for such repatriation. In addition, we will 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. A person on your behalf must contact ATAP at (852) for the arrangement. 1f. Emergency Telephone Charges and Internet Use We will reimburse you up to the Maximum Benefit stated in the Schedule of Benefits for telephone charges you incur for the use of your or a third party s personal mobile phone, any internet use or a phone using a standard LAN line connection, for the sole purpose of contacting ATAP during a medical or travel emergency. We will verify the call requirement and costs with ATAP before any payment is made. If you were required to purchase a prepaid card for this purpose then we will reimburse you the cost of such card but only up to the amount which is reasonable, necessary and appropriate for the intended use. In no event will the total amount payable under this Section 1f (Emergency Telephone Charges and Internet Use) exceed the Maximum Benefit stated in the Schedule of Benefits. Exclusions Applicable to Section 1 - Emergency Medical Expenses & Assistance No benefits will be provided: 1. For surgery or medical treatment when in the opinion of the qualified medical practitioner treating you, the treatment can be reasonably delayed until you return to Hong Kong. 2. If the purpose of the journey is to obtain medical treatment or the journey is undertaken against a qualified medical practitioner's recommendation. 3. For any expenses incurred for services provided by another party for which you are not liable to pay, or any expenses already included in the cost of a scheduled journey. 4. For failure to obtain a written medical report from the qualified medical practitioner. 5. If you refuse to follow the recommendation of a qualified medical practitioner to return to Hong Kong or to continue the journey whilst your physical condition at the time of recommendation is fit for travel. 6. 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 and the like; procurement or use of special braces, appliances or equipment. 7. For any cosmetic surgery, refractive errors of eyes, hearing-aids, and prescriptions therefor except necessitated by accidental injury occurring during the journey. AIG Insurance Hong Kong Limited Page 4 of Protection Plan(Single Trip) 01/07/2017

5 8. For the follow-up treatment expenses obtained outside Hong Kong (for Section 1b. Follow-up Medical Expenses only). 9. For any expenses for a service not approved and arranged by us or ATAP except that this exclusion will be waived in the event you or your traveling companion(s) cannot contact ATAP during an emergency medical situation for reasons beyond your control. In any event, we reserve the right to reimburse you only for those expenses incurred for service which we or ATAP would have provided under the same circumstances (for Section 1d. Emergency Medical Evacuation only). 10. For any expenses incurred for the transportation of your remains not approved and arranged by us or ATAP (for Section 1e. Repatriation of Remains only). 11. For any expenses incurred and paid for religious rights or ceremonies (for Section 1e. Repatriation of Remains only). SECTION 2 - PERSONAL ACCIDENT 2a. Accident while in a Common Carrier The benefit under this Section is payable to you if you suffer an injury while riding as a fare paying passenger (and not as pilot, operator or crew member) in or on, or while boarding or alighting from any common carrier at the time of injury during the journey which, directly and independently of all other causes, results in any Event provided in the Benefit Table below, but only to the extent and if such injury results in such Event happening to you within ninety (90) days after the date of the accident. This Section is extended to cover an injury sustained by you while riding on, boarding or alighting from a carrier arranged by a travel agent or while you are driving or riding in an automobile at the time of injury during the journey which, directly and independently of all other causes, results in any Event provided in the Benefit Table below, but only to the extent and if such injury results in such Event happening to you within ninety (90) days after the date of the accident. 2b. Other Accidents The benefit under this Section is payable only with respect to injury sustained by you as a result of an accident other than those accidents referred to in Section 2a (Accident while in a Common Carrier) during the journey which, directly and independently of all other causes results in any Event as provided in the Benefit Table below, 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: (a) (b) both eyes one eye 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% Third Degree Burns Area Damage as a Percentage of Total Surface Area Percentage of Principal Sum 1. Head Equal to or greater than 8% damage of total head surface area 100% 2. Body (exclude head surface area) Equal to or greater than 5% but less than 8% damage of total head surface area 75% Equal to or greater than 2% but less than 5% damage of total head surface area 50% 100% Equal to or greater than 20% damage of total body surface area 100% Equal to or greater than 15% but less than 20% damage of total body surface area 75% Equal to or greater than 10% but less than 15% damage of total body surface area 50% 50% AIG Insurance Hong Kong Limited Page 5 of Protection Plan(Single Trip) 01/07/2017

6 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 will not exceed the Maximum Benefit stated in the Schedule of Benefits. 2. The insurance for you under this Policy will terminate upon the occurrence of any loss for which indemnity is payable under any one (1) of the above Events, but such termination will 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 the accident covered under this Policy becomes totally disabled as a result of such injury, the Percentage of Principal Sum payable will be determined by us having regard to the extent of disablement caused by the injury. No payment however will be made in respect of the loss of a limb or organ which was permanently disabled prior to the accident. 4. If you are under seventeen (17) years of age or over seventy (70) years of age when your journey commences, the Maximum Benefit payable will be 50% of the amount stated in the Schedule of Benefits under Section 2 (Personal Accident) and subject to the Percentage of Principal Sum stated in the above Benefit Table. This Section is extended to cover an injury sustained by you: 1. While you are traveling directly from your 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 you have arranged to travel for the purpose of commencement of your journey. 2. While you are traveling directly from the immigration counter in Hong Kong to your place of residence or place of regular employment within three (3) hours upon your arrival in Hong Kong after completion of your journey. Exposure If by the reason of any covered accident occurring during the journey, you are 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 sustain death, loss or disablement within twelve (12) months from the date of accident, we will pay in accordance to the Events as stated in the Benefit Table. Disappearance If you disappear as a result of the disappearance, sinking or wrecking of the common carrier caused by an accident in which you were traveling at the time of the accident during the course of the journey and remain missing after twelve (12) months from the date of the accident, and we have reason to believe that you have died in the accident, we will pay the Personal Accident benefit, subject to receipt of a signed undertaking by the personal representative of your estate that any such payment will be refunded to us if it is later discovered that you 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 will we be liable to pay for any loss caused by an injury which is a consequence of any kind of disease or sickness. SECTION 3 - COMPASSIONATE DEATH CASH We will pay your estate a cash benefit up to the Maximum Benefit stated in the Schedule of Benefits in the event you die during the journey as a result of injury or sickness. SECTION 4 - JOURNEY CANCELLATION AND INTERRUPTION 4a. Journey Cancellation We will reimburse you up to the Maximum Benefit stated in the Schedule of Benefits for the cost of accommodation, basic tour fees, and visas for the journey paid by you and for which you are legally liable and which are not recoverable from any other source consequent upon the cancellation of the journey necessitated by the occurrence of any of the following, within the period of ninety (90) days before the scheduled departure date of the journey (except for sub-paragraphs 3, 4 and 5 below): 1. Death or serious injury or serious sickness of you, your immediate family member, close business partner, traveling companion or a relative or friend living abroad who you had planned to stay with for the majority of your journey; 2. Witness summons, jury service or compulsory quarantine of you; 3. Your redundancy within the period of one (1) week before the scheduled departure date of the journey, providing you had been working at your current place of employment for a minimum continuous period of two (2) years, and that at the date and time you purchased this insurance cover you had no reason to believe that you would be made redundant. This cover does not apply if you are self-employed or accepts voluntary redundancy or to payments made after you were made aware of the redundancy; 4. Occurrence of any of the following within the period of one (1) week before the departure date of the planned journey: (a) natural disaster and extreme weather conditions at your main travel destination(s); (b) (c) (d) (e) terrorist act for which the Government of Hong Kong has issued a notice formally advising against non-essential travel to the area impacted by the event; epidemic or pandemic for which a high declaration or other similar publication is issued by the HKSAR or the World Health Organisation advising against travel to infected areas outside of Hong Kong; major industrial or common carrier accident of your intended carrier; civil unrest, riot or commotion resulting in cancellation of scheduled common carrier AIG Insurance Hong Kong Limited Page 6 of Protection Plan(Single Trip) 01/07/2017

7 (f) (g) (h) services; strike resulting in cancellation of scheduled common carrier services; any event leading to airspace or multiple airport closures; or the Government of Hong Kong issuing a Red or Black OTA Alert for the intended travel destination(s) for an event which directly impacts your itinerary and prevents you commencing the planned journey; partner, traveling companion or a relative or friend living abroad who you had planned to stay with for the majority of your journey; 9. Your primary residence in Hong Kong is rendered uninhabitable following a fire or natural disaster and extreme weather conditions; 10. Your primary residence or place of business in Hong Kong is the subject of burglary or vandalism and the Police require your urgent attendance or the burglary or vandalism renders your primary residence in Hong Kong uninhabitable; 5. Serious damage to your and/or your traveling companion s primary residence in Hong Kong from fire or natural disasters and extreme weather conditions within the period of one (1) week before the departure date of the planned journey which requires you and/or your traveling companion s presence in the premises on the departure date of the journey. This coverage under Section 4a (Journey Cancellation) cannot be utilised once you have commenced the journey. Payment in respect of Section 4a 4.(h) in the event you cancel your planned journey on the issuance of a Red OTA Alert in the absence of an event listed in (a) to (g) will be limited to 50% of the forfeited costs. 4b. Journey Interruption 4b (1) Curtailment Expenses 11. The aircraft in which you are travelling as a fare paying passenger is hijacked while you are on board and as a direct consequence of the trauma you suffer from the hijack you are unable to continue your journey; 12 The Government of Hong Kong issuing a Red or Black OTA Alert for the intended travel destination(s) for an event which directly impacts your itinerary and prevents you continuing the planned journey. Payment in respect of Section 4b (1)12 in the event you curtail your planned journey on the issuance of a Red OTA Alert in the absence of an event listed in 1-11 above will be limited to 50% of the forfeited costs. 4b (2) Journey Re-arrangement We will reimburse you up to the Maximum Benefit stated in the Schedule of Benefits for additional reasonable and necessary: We will reimburse you up to the Maximum Benefit stated in the Schedule of Benefits for the amount of basic tour fee and/or accommodation, forfeited travel tickets and/or additional travel ticket and/or accommodation reasonably and necessarily incurred after the commencement of the journey where you have to terminate and cut short your journey and return to Hong Kong as a result of one (1) of the following reasons: 1. Natural disaster and extreme weather conditions; 2. Terrorist act for which the Government of Hong Kong has issued a notice formally advising against non-essential travel to the area impacted by the event; (i) (ii) (iii) (iv) Common carrier costs to re-arrange your travel to reach your intended destination; Accommodation costs because you were stranded on an international connection; Accommodation costs because you were stranded on your return journey Hong Kong; Airport car parking costs in Hong Kong because of your late arrival to Hong Kong; or 3. Epidemic or pandemic for which a high declaration or other similar publication is issued by the HKSAR or the World Health Organisation advising against travel to infected areas; 4. Major industrial or common carrier accident of your intended carrier; 5. Civil unrest, riot or commotion resulting in cancellation of scheduled common carrier services; 6. Strike resulting in cancellation of scheduled common carrier services; 7. Any event leading to airspace or multiple airport closures; 8. Unexpected death or serious injury or serious sickness of your immediate family member, close business (v) Kennel or cattery fees in Hong Kong because of your late arrival to Hong Kong; incurred after the commencement of the journey as a direct result of sudden occurrence of one (1) of the following reasons at the planned destination. Such reimbursement is only payable if the additional expenses are incurred solely for the purpose of continuing to the original planned destination comprised in the journey. 1. Natural disaster and extreme weather conditions; 2. Terrorist act for which the Government of Hong Kong has issued a notice formally advising against non-essential travel to the area impacted by the event; 3. Epidemic or pandemic for which a high declaration or other similar publication is issued by the HKSAR or the World AIG Insurance Hong Kong Limited Page 7 of Protection Plan(Single Trip) 01/07/2017

8 Health Organisation advising against travel to infected areas; theft, we will reimburse you up to the Maximum Benefit stated in the Schedule of Benefits for: 4. Major industrial or common carrier accident of your intended carrier; (i) the replacement cost of the travel documents and/or travel tickets; and/or 5. Civil unrest, riot or commotion resulting in cancellation of scheduled common carrier services; 6. Strike resulting in cancellation of scheduled common carrier services; 7. Any event leading to airspace or multiple airport closures; 8. Your unexpected serious injury or serious sickness and ATAP agrees that you should stay where you are; 9. Unexpected serious injury or serious sickness of your traveling companion; 10. The Government of Hong Kong issuing a Red or Black OTA Alert for the intended travel destination(s) for an event which directly impacts your itinerary and prevents you continuing the planned journey. Curtailment Expenses payable under Section 4b (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 journey. Actual expenses incurred in relation for the additional travel ticket and/or accommodation for the journey payable under both Section 4b (1) (Curtailment Expenses) and 4b (2) Journey Re-arrangement will be reimbursed up to the Maximum Benefit stated in the Schedule of Benefits. Payment in respect of Section 4b (2)10 in the event you rearrange your planned journey on the issuance of a Red OTA Alert in the absence of an event listed in 1-9 above will be limited to 50% of the additional expenses incurred. 4b (3) Missed Connection We will reimburse you up to the Maximum Benefit stated in the Schedule of Benefits for the necessary and reasonable expenses incurred to enable you to use an alternative common carrier to arrive at your destination on time, in the event you miss your scheduled common carrier connection at the transfer point due to the late arrival of the preceding common carrier which was due to one (1) or more of the covered events listed under Section 4b (1) (Curtailment Expenses) and as a result you are unable to arrive at your destination by the time originally intended during the journey. 4b (4) Compassionate Visit We will reimburse up to the Maximum Benefit stated in the Schedule of Benefits for the reasonable additional travel ticket and/or accommodation necessarily incurred by one (1) adult immediate family member or one (1) traveling companion of you to fly over or stay behind, to be with and/or take care of you, following the death, serious injury or serious sickness of you during the journey. This coverage can only be utilised once during the journey. 4b (5) Travel Documents In the event that you lose your travel documents and/or travel tickets during the journey as a direct result of robbery, burglary or (ii) reasonable additional cost of travel fare and/or accommodation necessarily incurred by you for the sole purpose of making necessary travel arrangements for replacing your travel documents. 4b (6) Compulsory Quarantine We will reimburse you up to the Maximum Benefit stated in the Schedule of Benefits for the amount of pro-rated basic tour fee and/or accommodation forfeited after the commencement of the journey where you are compulsorily quarantined due to suspected exposure to pandemic influenza infection. Compulsory Quarantine payable under this Section 4b (6) 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 journey. The maximum amount payable under Section 4b (1) (Curtailment Expenses), Section 4b (2) (Journey re-arrangement), Section 4b (3) Missed Connection, Section 4b (4) Compassionate Visit, Section 4b (5) (Travel Documents) and 4b (6) (Compulsory Quarantine) will not in aggregate exceed 100% of the Maximum Benefit for Section 4b (Journey Interruption) stated in the Schedule of Benefits. This coverage Section 4b (Journey Interruption) is effective only if this insurance is purchased before you become aware of any circumstances which can lead to the disruption or interruption of the journey. Exclusions Applicable to Section 4 - 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 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 your journey before the purchase of this travel insurance. 4. That directly or indirectly arises from your 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 1 to 5 of Section 4a (Journey Cancellation) or sub-paragraphs 1 to 12 of Section 4b (1) (Curtailment Expenses). 5. In respect of any loss claimed under Section 7a (Travel Delay), Section 4b (1) (Curtailment Expenses), Section 4b (2) (Journey re-arrangement) and 4b (3) (Missed Connection) arising from the same cause. 6. For surgery or medical treatment when in the opinion of the AIG Insurance Hong Kong Limited Page 8 of Protection Plan(Single Trip) 01/07/2017

9 qualified medical practitioner treating you, the treatment can be reasonably delayed until you return to Hong Kong. 7. If the purpose of the journey is to obtain medical treatment or the journey is undertaken against a qualified medical practitioner's recommendation. 8. For any expenses incurred for services provided by another party for which you are not liable to pay, or any expenses already included in the cost of a scheduled journey. 9. For failure to obtain a written medical report from a qualified medical practitioner. 10. If you refuse to follow the recommendation of a qualified medical practitioner to return to Hong Kong for continuation of medical attention, or to continue the journey whilst your physical condition at the time of recommendation is fit for travel. 11. 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. 12. If the lost travel documents and/or visas and/or travel tickets are not needed by you to complete to your journey. 13. For loss by any mysterious disappearance. 14. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, 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 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 actions). 15. For both the temporary and permanent versions of the same travel document. In the event of such loss, you may claim either one (1) version but not both. 16. If you fail to produce to us 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 5 - LOSS OF INCOME We will pay you up to the Maximum Benefit stated in the Schedule of Benefits for the loss of your income if you sustain an injury during the journey and are unable to return to work in your usual gainful occupation in Hong Kong, as recommended by a qualified medical practitioner, for at least seven (7) days from the date you intended to resume your work. We will pay a weekly income benefit of up to HK$1,250 less any amount you can recover from any other source for each full week that you are unable to return to work, not exceeding a maximum period of twenty-four (24) weeks and up to the limit stated in the Schedule of Benefits. Exclusions Applicable to Section 6 Loss of Income No Benefits will be provided: 1. For the first seven (7) days after you planned to resume your usual occupation. 2. When you fail to submit official or legal documentation issued by your current employer to prove your employment status. 3. For failure to obtain a written medical report from a qualified medical practitioner certifying that you are unable to work in your gainful occupation. 4. For any injury which is covered by any workers compensation scheme or statutory benefits. 5. For any inability to work as result of sickness or disease. SECTION 6 - LAND TRAVEL ARRANGEMENT We will reimburse you up to the Maximum Benefit stated in the Schedule of Benefits for any additional reasonable and necessary land transportation expenses incurred by you: 1. Overseas for travel to a hospital to seek medical treatment following your injury or sickness during the journey; and 2. Upon arrival in Hong Kong after completion of the journey to return you to your place of residence following your hospital confinement overseas. This reimbursement is subject to the condition that your injury, sickness and/or hospital confinement is covered as a valid claim under Section 1 (Emergency Medical Expenses & Assistance). SECTION 7 - CHILD GUARD We will reimburse up to the Maximum Benefit stated in the Schedule of Benefits, the reasonable additional accommodation and/or travel ticket for one (1) immediate family member or one (1) traveling companion to accompany your legitimate child(ren) aged under fifteen (15) back to Hong Kong in the event of death or confinement of you in an overseas hospital due to serious injury or serious sickness, and where no other immediate family member or traveling companion is available to accompany your child(ren). Exclusions Applicable to Section 7 - Child Guard No benefits will be provided: 1. For surgery or medical treatment when in the opinion of the qualified medical practitioner treating you, the treatment can be reasonably delayed until you return to Hong Kong. 2. If the purpose of the journey is to obtain medical treatment or the journey is undertaken against a qualified medical practitioner's recommendation. 3. For any expenses incurred for services provided by another party for which you are not liable to pay, or any AIG Insurance Hong Kong Limited Page 9 of Protection Plan(Single Trip) 01/07/2017

10 expenses already included in the cost of a scheduled journey. 4. For failure to obtain a written medical report from the qualified medical practitioner. 5. If you refuse to follow the recommendation of a qualified medical practitioner to return to Hong Kong for continuation of medical attention, or to continue the journey whilst your physical condition at the time of recommendation is fit for travel. SECTION 8 - PERSONAL EFFECTS 8a. Baggage and Personal Effects We will pay you up to the Maximum Benefit stated in the Schedule of Benefits for loss of or damage to baggage, clothing and personal effects, excluding mobile phones, worn, carried by you by hand, in trunks, suitcases and like receptacles owned by you occurring during the journey. If any damaged article is proven to be beyond economical repair, a claim will be dealt as if the article had been lost. We will not be liable for more than the Sub-limit per Article, Pair or Set of Articles or the Sub-limit for laptop computers/all Cameras, Camcorders and Accessories and Related Equipment, as applicable, stated in the Schedule of Benefits. We may make payment or at our opinion reinstate or repair the article, pair, or set of articles, laptop computer, camera, camcorder, accessory or related equipment subject to due allowance for wear and tear. 8b. Mobile Phone (only applicable to Platinum Plan) We will pay you up to the Maximum Benefit stated in the Schedule of Benefits for loss of or damage to a mobile phone owned by you occurring during the journey. We will pay you based on the value of the mobile phone at the time it was lost or damaged however in no case will be liable for more than the amount stated in the Schedule of Benefits for any one (1) mobile phone. We may make payment or at our opinion reinstate or repair the mobile phone subject to due allowance for wear and tear and depreciation depending on the age of the item. Each Insured Person covered under this Policy may only claim once under this benefit for any one (1) journey. Exclusions Applicable to Section 8a - Baggage and Personal Effects and Section 8b Mobile Phone No benefits will be provided for: 1. The following classes of property: business goods or sample, medicines, foodstuffs, animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, any other conveyances, household furniture, antiques, jewelry or accessories, mobile phone (other than as provide under Section 8b above), 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 you 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, 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 your baggage which you either intentionally send by a different common carrier than the one in which you are traveling, or with respect to any baggage, souvenir or other items which you mailed or shipped separately. 8. Mobile phones, valuables and technology items that are left unattended in a vehicle at any time or are checked in with the common carrier. 9. Any personal baggage items that are checked in with the common carrier contrary to the terms and conditions of the common carrier. 10. Mobile phones and personal baggage items left unattended in any unlocked paid accommodation room or private dwelling. 11. Mobile phones, valuables and technology items left unattended and not secured in a safe or strongroom at the time of loss when such is provided at the paid accommodation at which you are staying. 12. Mobile phones and personal baggage items that are secured, destroyed, damaged, quarantined or confiscated by any customs or other regulations or any property which is contraband or which is or has been illegal transported or traded. 13. Any loss of your baggage when it is left unattended in public place or as a result of your failure to take due care and precautions for the safeguarding and security of such property. 14. Any loss of data recorded on tapes, cards, diskettes or otherwise. 15. Breakage or damage to fragile articles. 16. 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. 17. 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. 18. Any loss claimed under Section 9b (Baggage Delay) AIG Insurance Hong Kong Limited Page 10 of Protection Plan(Single Trip) 01/07/2017

11 arising from the same cause. 19. Loss by any mysterious disappearance. 20. Shortage due to error, omission, exchange or depreciation in value. 21. Receipts of the claimed items submitted which are not in your name. 8c. Personal Money We will reimburse you up to the Maximum Benefit stated in the Schedule of Benefits for the loss of cash, bank notes, traveler's check and money order as a direct result of robbery, burglary or theft occurring during the 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. close business partner or traveling companion during the journey. This reimbursement is subject to the condition that the relevant loss must have been reported to the police and credit card provider 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 and the credit card provider. SECTION 9 - DELAY COVERAGE 9a. Travel Delay 1. We will pay you HK$300 for the first full five (5) hours of delay, then HK$500 for each of the following full ten (10) hours of delay up to the Maximum Benefit stated in the Schedule of Benefits in the event that the common carrier in which you have arranged to travel is delayed for at least five (5) hours from the departure or arrival time specified in the itinerary provided to you by the common carrier, where such delay is caused directly by one (1) or more of the listed events below that first occurs after your journey has commenced: Exclusions Applicable to Section 8c - Personal Money No benefits will be provided: 1. In respect of any form of the plastic money (including any credit card, Octopus cards, etc) or securities. (a) Natural disaster and extreme weather conditions; (b) Less severe but delay impacting weather conditions not included in (a) above; 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. Personal money left unattended and not secured in a safe or strongroom at the time of loss when such is provided at the paid accommodation at which you are staying. (c) (d) (e) (f) Terrorist act; Major industrial or common carrier accident; Civil unrest, riot or commotion resulting in the delay of scheduled common carrier services; Strike resulting in delay of scheduled common carrier services; 6. For loss by any mysterious disappearance. 7. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, 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). 8d. Fraudulent Credit Card Use We will reimburse you up to the Maximum Benefit stated in the Schedule of Benefits for your non-recoverable legal liability for payment arising out of the unauthorised use of your credit cards and/or the cost replacing credit cards if your credit cards are stolen by any person other than your immediate family member, (g) (h) Any event leading to airspace or multiple airport closures; Mechanical breakdown, equipment failure or structural defect of the common carrier. 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 you until the actual departure or arrival time of the original common carrier or the first available alternative transportation offered by that common carrier management. You can only claim for either departure delay or arrival delay of the same delayed common carrier. AIG Insurance Hong Kong Limited Page 11 of Protection Plan(Single Trip) 01/07/2017