Follow-up Medical Expenses In the event that the Insured Person, following his/her return to Hong Kong, requires follow-up medical treatment for the I

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1 Allianz Global Assistance Online Travel Protector TABLE OF CONTENTS BENEFITS Pg 1 13 GENERAL EXCLUSIONS Pg DEFINITIONS Pg GENERAL CONDITIONS Pg 18 GENERAL PROVISIONS Pg Travel Insurance Terms and Conditions In consideration of the payment of premium and subject to the definitions, exclusions, limitations, provisions and terms contained herein, endorsed hereon, or attached hereto, Liberty International Insurance Limited (hereinafter called the Company ) agrees to provide insurance to the Insured Person(s) named in the Certificate of Insurance issued in relation to a Journey that commenced and occurred within the Period of Insurance subject to terms and conditions of this Policy (hereinafter called "insured Journey") and promises to pay indemnity for loss to the extent provided herein. The company has appointed Allianz Global Assistance (hereinafter called the Authorized Representative ) as its agent and Authorized Representative, to provide you with claim and assistance services, and for the administration of your Policy. The Certificate of Insurance, Travel Insurance Terms and Conditions and endorsements (if any), shall constitute the entire contract of insurance (hereinafter called the Policy ). Please be sure to read and print a copy of your Certificate of Insurance and Travel Insurance Terms and Conditions, and pay attention to the General Exclusions and General Provisions which apply in all instances. Please refer to Certificate of Insurance for the Schedule of benefits. BENEFITS SECTION 1 - Medical expenses Under this Section, if the Insured Person sustains an Injury or Sickness during the insured Journey and as a result the Insured Person incurs medical expenses for treatment of the said Injury or Sickness prior to his/her return to Hong Kong, the Company shall reimburse the Insured Person up to the Sum Insured stated in the Schedule for that portion of the medical expenses which (i) are incurred by the Insured Person within one-hundred and eighty two (182) days from his/her first sustaining the said Injury or Sickness; and (ii) constitute Usual, Reasonable and Customary Medically Necessary Expenses charged by a Qualified Medical Practitioner at the place of the treatment. 1

2 Follow-up Medical Expenses In the event that the Insured Person, following his/her return to Hong Kong, requires follow-up medical treatment for the Injury or Sickness referred to above (i.e. in addition to the treatment for the Injury or Sickness received prior to the Insured Person s return), then the Company shall also reimburse the Insured Person up to the limit stated in the Schedule of Benefits for that portion of the follow-up medical expenses which i) are incurred within 3 months of the Insured Person s return to Hong Kong and ii) constitute Usual, Reasonable and Customary Medically Necessary Expenses charged by a Qualified Medical Practitioner. In no event, however, shall the total amount payable under this Section (Medical Expenses) exceed 100% of the Sum Insured as stated in the Schedule of Benefits. Exclusions Applicable to Section 1- Medical expenses No benefits will be provided: For surgery or medical treatment if it is in the opinion of the Qualified Medical Practitioner treating the Insured Person that the treatment can be reasonably delayed until the Insured Person returns to Hong Kong. If the purpose of the insured Journey is to obtain medical treatment or the insured Journey is undertaken against the Qualified Medical Practitioner's recommendation. For any expenses incurred for services provided by another party for which the Insured Person is not liable to pay, or any expenses already included in the cost of a scheduled insured Journey. For failure to obtain a written medical report from the Qualified Medical Practitioner. If the Insured Person refuses to follow the recommendation of a Qualified Medical Practitioner to return to Hong Kong or to continue the insured Journey whilst the Insured Person s physical condition at the time of recommendation is fit for travel. For the follow up treatment expenses obtained outside Hong Kong. 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. For any cosmetic surgery, refractive errors of eyes, hearing-aids, and prescriptions therefor except necessitated by accidental Injury occurring during the insured Journey. SECTION 2 - Overseas Hospital Daily Cash Benefit The Company will pay the Insured Person the daily limit stated in the Schedule of Benefits for each complete and consecutive 24 hours period of overseas Hospital Confinement up to the Sum Insured as stated in the Schedule of Benefits in the event that the Insured Person is Confined in an overseas Hospital due to an Injury or Sickness sustained during the insured Journey. Exclusions Applicable to SECTION 2 - Overseas Hospital Daily Cash Benefit No benefits will be provided: For surgery or medical treatment if it is in the opinion of the Qualified Medical Practitioner treating the Insured Person that the treatment can be reasonably delayed until the Insured Person returns to Hong Kong. If the purpose of the insured Journey is to obtain medical treatment or the insured Journey is undertaken against the Qualified Medical Practitioner's recommendation. For any expenses incurred for services provided by another party for which the Insured Person is not liable to pay, or any expenses already included in the cost of a scheduled insured Journey. 2

3 For failure to obtain a written medical report from the Qualified Medical Practitioner. If the Insured Person refuses to follow the recommendation of a Qualified Medical Practitioner to return to Hong Kong or to continue the insured Journey whilst the Insured Person s physical condition at the time of recommendation is fit for travel. 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. For any cosmetic surgery, refractive errors of eyes, hearing-aids, and prescriptions therefor except necessitated by accidental Injury occurring during the insured Journey. SECTION 3 - Emergency Medical Assistance 3a. Emergency Medical Evacuation When as a result of an Injury sustained or Sickness commencing while the Insured Person is traveling overseas during the insured Journey and if in the opinion of the Company or its authorized representative, it is medically appropriate to move the Insured Person to another location for medical treatment, or to return the Insured Person to Hong Kong or his/her habitual residence, the Company or its Authorized Representative shall arrange for the evacuation utilizing the means best suited to do so, based on the medical severity of the Insured Person s physical condition. The Company shall pay directly to the medical service provider the covered expenses up to the Sum Insured stated in the Schedule for such evacuation. Covered expenses are expenses for services provided and/or arranged by the Company or its Authorized Representative for the transportation, medical services and medical supplies necessarily incurred as a result of an emergency medical evacuation of an Insured Person. The means of evacuation arranged by the Company or its Authorized Representative may include air ambulance, surface ambulance, regular air transportation, railroad or any other appropriate means. All decisions as to the means of transportation and the final destination will be made by the Company or its Authorized Representative and will be based solely upon medical necessity. The Insured Person or a person on his/her behalf must contact the Assistance Hotline for the arrangement. 3b. Compassionate Visit Under this Section, if the Insured Person sustains an Injury or Sickness during the insured Journey and as a result the Insured Person incurs an in Hospital medical treatment which is expected to exceed 7 days and Insured Person is unable to take care of him/herself of the said Injury or Sickness prior to his/her return to Hong Kong, the Company shall reimburse the reasonable and necessary expenses of one economy class round-trip travel ticket (flight, ship or boat ticket) for one Immediate Family Member to travel from his/her regular residence to the place of the Insured person to visit and take care of the Insured Person. The Insured Person or a person on his/her behalf must contact the Assistance Hotline for the arrangement. 3c. Repatriation of Mortal Remains When, as a result of an Injury sustained or Sickness commencing while the Insured Person is traveling during the insured Journey, the Insured Person dies during the course of the insured Journey, the Company or its Authorized Representative shall make the necessary arrangements for the return of the Insured Person s remains to Hong Kong or his/her habitual residence. The Company shall pay the actual cost incurred up to the 3

4 Sum Insured stated in the Schedule for such repatriation. In addition, the Company shall reimburse up to the Sum Insured stated in the Schedule for expenses actually incurred at the place of death outside Hong Kong for the reasonable cost of a casket, the embalming and cremation process rendered by a mortician or undertaker. The Insured Person or a person on his/her behalf must contact the Assistance Hotline for the arrangement. 3d. Return of Unattended Children When, traveling overseas with effective documents and as a result of an Injury sustained or Sickness commencing while the Insured Person is traveling during the insured Journey, which leads to un-attendance of his/her accompany minor child(ren), the Company or its Authorized Representative shall reimburse the reasonable and necessary expenses of one economy class round-trip travel ticket (flight, ship or boat ticket) to repatriate his/her accompany minor child(ren) to the regular residence in Hong Kong. The accompanying minor child(ren) of the Insured person shall use the original return ticket or electronic ticket bought in the beginning of the Journey. If the original return ticket or electronic ticket bought by the Insured person is expired due to the rescue, the assistance agency shall cover the return ticket for the accompanying minor child(ren), provided that the Insured person shall hand over the original return ticket or electronic ticket to the assistance agency, or provide the evidence of his/her purchase of return ticket. If the Insured person has no original return ticket or electronic ticket, or cannot provide relevant evident thereof, the return ticket of the accompanying minor child(ren) to the original place shall be shouldered by the Insured person. The Insured Person or a person on his/her behalf must contact the Assistance Hotline for the arrangement. 3e. Compassionate Return Under this Section, if the Insured Person s Immediate Family Member sustains an Injury or Sickness in Hong Kong and as a result dies during the insured Journey period in Hong Kong. The Company shall reimburse the reasonable and necessary expenses of one economy class round-trip travel ticket (flight, ship or boat ticket) for the Insured Person to travel back to his/her regular residence place. The Insured Person or a person on his/her behalf must contact the Assistance Hotline for the arrangement. Exclusions Applicable to SECTION 3 - Emergency Medical Assistance No benefits will be provided: For surgery or medical treatment if it is in the opinion of the Qualified Medical Practitioner treating the Insured Person that the treatment can be reasonably delayed until the Insured Person returns to Hong Kong. If the purpose of the insured Journey is to obtain medical treatment or the insured Journey is undertaken against the Qualified Medical Practitioner's recommendation. For any expenses incurred for services provided by another party for which the Insured Person is not liable to pay, or any expenses already included in the cost of a scheduled insured Journey. For failure to obtain a written medical report from the Qualified Medical Practitioner. 4

5 If the Insured Person refuses to follow the recommendation of a Qualified Medical Practitioner to return to Hong Kong or to continue the insured Journey whilst the Insured Person s physical condition at the time of recommendation is fit for travel. For the follow up treatment expenses obtained outside Hong Kong. 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. For any cosmetic surgery, refractive errors of eyes, hearing-aids, and prescriptions therefor except necessitated by accidental Injury occurring during the insured Journey. For any expenses for a service not approved and arranged by the Company or its Authorized Representative except that this exclusion shall be waived in the event the Insured Person cannot contact the Assistance Hotline during an emergency medical situation for reasons beyond their control. In any event, the Company reserves the right to reimburse the Insured Person only for those expenses incurred for service which the Company or its Authorized Representative would have provided under the same circumstances (For Section 3a. Emergency Medical Evacuation only). For any expenses incurred for the transportation of the Insured Person s remains not approved and arranged by the Company or its Authorized Representative (For Section 3c. Repatriation of Mortal Remains only). SECTION 4 - PERSONAL ACCIDENT The benefit under this Section is payable to the Insured Person who suffers an Injury during the insured Journey which, directly and independently of all other causes, shall result in any Event provided in the Benefit Table hereunder, but only to the extent and if such Injury results in the Event happening within ninety (90) days after the date of the Accident. Schedule of Compensation Accidental Death and Disablement Percentage of Sum Insured 1. Death 100% 2. Permanent total disablement 100% 3. Permanent and Incurable paralysis of all limbs 100% 4. Permanent total loss of sight of both eyes 100% 5. Permanent total loss of or the of use of two limbs 100% 6. Permanent total loss of speech 100% 7. Permanent total Loss of Hearing in: a) both ears 75% 5

6 b) one ear 15% 8. Permanent total loss of sight in one eye 50% 9. Loss of or the Permanent total Loss of Use of one limb 50% Compensation: If more than one (1) of the above Events are applicable, only the Event with the highest compensation (i.e. the highest Percentage of Principal Sum) will be payable under this Section and in any event shall not exceed the Sum Insured stated in the Schedule of Benefits. The insurance for any Insured Person under this Policy shall be terminated upon the occurrence of any loss for which indemnity is payable under any one (1) of the above Events, but such termination shall be without prejudice to any claim originating out of the Accident causing such loss. When a limb or organ which had been partially disabled prior to the Accident covered under this Policy and which becomes totally disabled as a result of such Injury, the Percentage of Principal Sum payable shall be determined by the Company having regard to the extent of disablement caused by the Injury. No payment however shall be made in respect of the loss of a limb or organ which was permanently disabled prior to the Accident. Exposure: If by the reason of any covered Accident occurring during the insured Journey, the Insured Person is unavoidably exposed to the elements (including but not limited to prolonged and rigorous weather or environmental conditions) and as a direct and unavoidable result of such exposure sustains death, loss or disablement within twelve (12) months from the date of Accident, the Company will pay in accordance with the Events as stated in the Benefit Table under Section 4 hereinabove. Disappearance: If the Insured Person disappears as a result of the disappearance, sinking or wrecking of the Common Carrier caused by an Accident in which the Insured Person was traveling at the time of the Accident during the course of the insured Journey and remains missing after twelve (12) months from the date of the Accident, and the Company has reason to believe that the Insured Person has died in the Accident, the Company will pay the Personal Accident benefit, subject to receipt of a signed undertaking by the personal representative of the Insured Person s estate that any such payment shall be refunded to the Company if it is later discovered that the Insured Person did not die as a result of the Accident. Exclusion Applicable to Section 4 - Personal Accident For the purpose of Section 4, in no event shall the Company be liable to pay for any loss caused by an Injury or otherwise which is a consequence of any kind of disease or Sickness. SECTION 5 - Personal Baggage Cover The Company will pay the Insured Person up to the Sum Insured as stated in the Schedule of Benefits if Your Baggage and Personal Effects are stolen, accidentally damaged, or are permanently lost by the common carrier or accommodation provider during the insured Journey. the repair cost; The Company will pay the lesser of: 6

7 the replacement cost; the amount it would cost the Company to repair or replace the item(s) allowing for any trade discounts the Company is entitled to; or the original purchase price; or The depreciated value after allowing for age, wear and tear The Company shall impose sub-limit restrictions on any single item, pair set or collection or articles, laptop computers, and cameras camcorders and their accessories. Please refer to the Schedule of Benefits for detail on any sub-limit that may be imposed. The Company may make payment or at its opinion reinstate or repair the article, pair, or set of articles subject to due allowance for wear and tear. Exclusion Applicable to SECTION 5 - Personal Baggage Cover No benefits will be provided for: The following classes of property: business goods or sample, foodstuffs, animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, any other conveyances, household furniture, antiques, jewelry or accessories, mobile phone (including PDA phone and other accessories), money (including checks, traveler s checks, etc.), plastic money (including the credit value of credit card, Octopus cards, etc.), securities, tickets or documents. Any loss or damage caused by wear and tear, gradual deterioration, moths, vermin, inherent vice or damage sustained due to any process initiated by the Insured Person to repair, clean or alter any property. Any loss of or damage to hired or leased equipment. Any loss of or damage to property resulting directly or indirectly from insurrection, rebellion, revolution, civil War, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate such property; or in respect of any property which is contraband or which is or has been illegally transported or traded. Any loss or damage to property insured under any other insurance, or which could be reimbursed for by a Common Carrier, a hotel, and any service providers or otherwise. Any loss of or damage to property which function normally after it has been fixed or repaired by a third party. With respect to any of the Insured Person s baggage which the Insured Person either intentionally sent by a different Common Carrier than the one in which the Insured Person was traveling, or with respect to any baggage, souvenir or other items which the Insured Person mailed or shipped separately. Any loss of the Insured Person s baggage when it is left unattended in public place or as a result of the Insured Person s failure to take due care and precautions for the safe guard and security of such property. Any loss of data recorded on tapes, cards, diskettes or otherwise. Breakage or damage to fragile articles. 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. 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. Any loss claimed under Section 10 (Baggage Delay Allowance) arising from the same cause. 7

8 Loss by any mysterious disappearance. Shortage due to error, omission, exchange or depreciation in value. Receipts of the claimed items submitted which are not in the Insured Person s name. SECTION 6 - Loss of Personal Money The Company will reimburse the Insured Person up to the Sum Insured as 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 insured Journey. This reimbursement is subject to the condition that the relevant loss must have been reported to the police at the place of the loss within twenty-four (24) hours from the occurrence of the incident and any such claim must be accompanied by written documentation and report from such police. Exclusions Applicable to SECTION 6 - Loss of Personal Money No benefits will be provided: In respect of any form of the plastic money (including any credit card, Octopus cards, etc.) or securities. If the loss is 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. In respect of shortage due to error, omission, exchange or depreciation in value. 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. For loss by any mysterious disappearance. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil War, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate such cash, bank notes, check or money; or in respect of any cash, bank notes, check or money which is (or represents the proceeds of) contraband or which is or has been illegally transported or traded (or represents the proceeds of such actions). SECTION 7 - Loss of Travel Document In the event that the Insured Person loses his/ her travel documents during the insured Journey as a direct result of robbery, burglary or theft, the Company will reimburse the Insured Person up to the Sum Insured as stated in the Schedule of Benefits for the replacement cost for travel documents, including necessary and reasonable travel and accommodation costs. Exclusions Applicable to SECTION 7 - Loss of Travel Document No benefits will be provided for any loss: In respect of loss 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. In respect of loss of any travel document and/or visa which is not needed to complete to the insured Journey. For loss by any mysterious disappearance. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil War, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any 8

9 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). For both the temporary and permanent versions of the same travel document. In the event of such loss, an Insured Person may claim either one (1) version but not both. SECTION 8 - Personal Liability The Company shall indemnify the Insured Person up to the Sum Insured as stated in the Schedule of Benefits for legal liability to a third party arising during the insured Journey as a result of: death or accidental bodily Injury to a third party; accidental loss of or damage to property of a third party. However, the Insured Person must not make any offer or promise of payment or admit his/her fault to any other party, or become involved in any litigation without the Company s written approval. Exclusions Applicable to SECTION 8 - Personal Liability No benefits will be provided for: Property of any person who is the Insured Person, Insured Person s Immediate Family Member or employer or deemed by law to be his/her employee. Liability to any person who is the Insured Person s Immediate Family Member or employer or deemed by law to be his/her employee. Property which belongs to the Insured Person or is in his/her care of custody or control. Any liability assumed under contract. Liability relating to the willful, malicious, or unlawful act on the part of the Insured Person. Liability arising from the ownership, possession or use of vehicles, aircraft, watercraft, firearms or animals. Liability arising from the undertaking of any trade, business or profession. Liability arising from any criminal acts. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil War, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate 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). SECTION 9 - Travel Delay The Company shall pay up to the Sum Insured as stated in the Schedule of Benefits in the event that the Common Carrier for the Insured Person to travel is delayed from the departure time specified in the itinerary, where such delay is caused directly by inclement weather, natural disaster, equipment failure, hijack or strike by the employees of the Common Carrier during the insured Journey. Departure delay will be calculated from the original scheduled departure time specified in the itinerary provided by the Common Carrier to the Insured Person until the actual departure time of i) the original Common Carrier or ii) the first available alternative transportation offered by the administration of the relevant Common Carrier. 9

10 Exclusions Applicable to SECTION 9 - Travel Delay No benefits will be provided for: Any loss arising from failure of the Insured Person to obtain written confirmation from the Common Carrier on the number of hours of and the reason for such delay. Any loss arising from any event or occurrence leading up to the relevant delay which is announced before this insurance is purchased. Any loss arising from late arrival of Insured Person at the airport or port (i.e. arrival at a time later than the time required for check-in or booking-in except for the late arrival due to strike by the employees of the Common Carrier). Any loss arising from failure of Insured Person to get on-board the first available alternative transportation offered by the administration of the relevant Common Carrier. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil War, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate 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). SECTION 10 - Baggage Delay Allowance The Company shall pay up to the Sum Insured as stated in the Schedule of Benefits for the actual expenses incurred for emergency purchase of essential items or requisites in consequence of temporary deprivation of the Insured Person s baggage due to the misdirection in delivery of the baggage by the Common Carrier on or in which the Insured Person is traveling during the insured Journey. This benefit can only be utilized once during the insured Journey. Exclusions Applicable to SECTION 10 - Baggage Delay Allowance No benefits will be provided: For the failure of the Insured Person to obtain written confirmation from the Common Carrier as to the number of hours and the reason for such delay. With respect to any of the Insured Person s baggage which the Insured Person either intentionally sent by a different Common Carrier than the one in which the Insured Person was traveling, or with respect to any baggage, souvenir or other items which the Insured Person mailed or shipped separately. Any loss deemed by the Company or its Authorized Representative as being purchased for non-essential reasons; or if it is determined that the Insured Person has not acted in a manner to reduce the additional costs incurred during the delay. Any loss claimed under Section 5 (Personal Baggage Cover) arising from the same cause. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil War, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate 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). 10

11 SECTION 11 - Cancellation of Trip The Company shall reimburse the Insured Person up to the Sum Insured as stated in the Schedule of Benefits for loss of travel cost paid in advance by the Insured Person and for which the Insured Person is legally liable and which is not recoverable from any other source consequent upon the cancellation of the insured Journey necessitated by the occurrence of any of the following, within the period of thirty (30) days before the Departure Date of the insured Journey (except for sub-paragraphs (iii) and (iv) below): Death or Serious Injury Or Serious Sickness of the Insured Person, Traveling Companion and/ or Immediate Family Member; Witness summons, jury service or compulsory quarantine of the Insured Person; Sudden occurrence of strike by the employees of the Common Carrier, unanticipated outbreak of riot or civil commotion or epidemic within the period of one (1) week before the departure date of the planned insured Journey; Serious damage to the Primary Residence of the Insured Person or Traveling Companion in Hong Kong from fire, flood, earthquake or similar natural disasters within the period of one (1) week before the departure date of the planned insured Journey which requires the Insured Person s presence in the premises on the departure date of the insured Journey. The coverage under Section 11 (Cancellation of Trip) extends to cover only those travel costs paid on the Online Travel Booking Platform, from which you have applied for this insurance policy. This coverage under Section 11 (Cancellation of Trip) shall not be valid once the Insured Person has commenced the insured Journey. Exclusions Applicable to SECTION 11 - Cancellation of Trip No benefits will be provided for any loss: That is covered by any existing insurance scheme, government program, or which will be paid or refunded by any Common Carrier, travel agent or any other provider of transportation and/or Accommodation. That is caused directly or indirectly by government regulations or control, bankruptcy, liquidation or default of travel agencies, tour operator and/or Common Carrier. That arises from any circumstances leading to the cancellation and/or disruption of his/her insured Journey before the purchase of this travel insurance. That directly or indirectly arises from the Insured Person's failure to notify the travel agent/ tour operator or provider of transportation or Accommodation immediately if it is necessary to cancel or curtail the travel arrangement for the reasons set out in sub-paragraphs i. to iii. of Section 11 (Cancellation of Trip). That relate to travel costs that were not booked through the Online Travel Booking Platform from which you have applied for this insurance policy. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil War, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate 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 11

12 traded (or represents the proceeds of such actions). SECTION 12 - Curtailment of Trip The Company shall reimburse the Insured Person up to the Sum Insured as stated in the Schedule of Benefits for the unused and forfeited travel cost where the Insured Person has to terminate and cut short the insured Journey and return to Hong Kong as a result of the following reasons: Death, Serious Injury Or Serious Sickness or hijacking of the Insured Person or Close Business Partner; Death, Serious Injury Or Serious Sickness of the Insured Person s Immediate Family Members or Traveling Companion; Sudden occurrence of strike by the employees of a Common Carrier, unanticipated outbreak of riot or civil commotion, natural disasters, or epidemic which prevents the Insured Person from continuing with his/her scheduled insured Journey. The coverage under Section 12 (Curtailment of Trip) extends to cover only those travel costs paid on the Online Travel Booking Platform, from which you have applied for this insurance policy. This coverage Section 12 (Curtailment of Trip) is effective only if this insurance is purchased before the Insured Person becomes aware of any circumstances which can lead to the disruption, interruption or cancellation of the insured Journey. Exclusions Applicable to SECTION 12 - Curtailment of Trip No benefits will be provided for any loss: That is covered by any existing insurance scheme, government program, or which will be paid or refunded by any Common Carrier, travel agent or any other provider of transportation and/or Accommodation. That is caused directly or indirectly by government regulations or control, bankruptcy, liquidation or default of travel agencies, tour operator and/or Common Carrier. That arises from any circumstances leading to the cancellation and/or disruption of his/her insured Journey before the purchase of this travel insurance. That directly or indirectly arises from the Insured Person's failure to notify the travel agent/ tour operator or provider of transportation or Accommodation immediately if it is necessary to cancel or curtail the travel arrangement for the reasons set out in sub-paragraphs i. to ii. of Section 12 (Curtailment of Trip). That relate to travel costs that were not booked through the Online Travel Booking Platform from which you have applied for this insurance policy. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil War, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate 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). GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS 12

13 THE COMPANY WILL NOT PAY UNDER ANY SECTION OF THIS POLICY FOR LOSS, INJURY, DAMAGE OR LIABILITY SUFFERED AND/OR SUSTAINED BY OR ARISING DIRECTLY OR INDIRECTLY AS A RESULT OF OR IN CONNECTION WITH ANY OF THE FOLLOWING: War, civil War, invasion, insurrection, revolution, use of military power or usurpation of government or military power. Please note that travel to any of the following countries is not eligible for coverage. We will not accept liability for any losses incurred in these ineligible countries. The ineligible countries are as follows: Cuba, Iraq, Iran, Syria, Afghanistan, Korea (North) and other countries or under sanctions of the United Nations, the European Union or the United States; Any travel to countries which were known to be at elevated risk, with sufficient warning against travelling to such destination from media outlets or governmental agencies being issued prior to the Effective Date. Any losses resulting from your participation in trekking or mountaineering, or undertaking expeditions or similar activities. An Insured Person who is: a Terrorist; a member of a Terrorist organization; a narcotics trafficker; or a purveyor of nuclear, chemical or biological weapons. Any illegal or unlawful act by the Insured Person or confiscation, detention, destruction by customs or other authorities; Any prohibition or regulations by any government; any breach of government regulation or any failure by the Insured Person to take reasonable precautions to avoid a claim under this insurance following the warning of any intended strike by the employees of a Common Carrier, riot or civil commotion, inclement weather, natural disasters, or epidemic; The Insured Person is not taking all reasonable efforts to safeguard his/her property/money, to avoid Injury or to minimize any claim under this insurance; Riding or driving in any kind of motor racing, competition, engaging in a professional capacity in any sport where an Insured Person would or could earn income or remuneration from engaging in such sport as a source of income; Any loss which has connection with the effects of alcohol or drugs other than those prescribed by a Qualified Medical Practitioner; Pregnancy or childbirth, and any Injury or Sickness associated with pregnancy or childbirth; Suicide or attempted suicide or intentional self-injury, or self-exposure to needless peril; Any Pre-Existing Condition, congenital and heredity condition; AIDS or any Injury or Sickness commencing in the presence of a sero-positive test for HIV and related disease, sexually transmitted disease; Pandemics or Epidemics; Psychosis, sleep disturbance disorder, mental or nervous disorders; The Insured Person engaging in naval, military or airforce service or operations; armed force service; being as a crew member or an operator of any air carrier; testing of any kind of conveyance; engaging in any kind of labor work; engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives; performing as actor/actress; being a site worker, fisherman, cook or kitchen worker; tour guide or tour escort; Any medical treatment received during an insured Journey which was made for the purpose of receiving 13

14 medical treatment or if the insured Journey was undertaken while the Insured Person was unfit to travel; or the Insured Person is traveling against the advice of a Qualified Medical Practitioner; Any loss and expenses that can be reimbursed or recovered from any other source; Arising from nuclear explosion including all effects thereof or radioactive contamination caused by ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste caused by the combustion and/or ongoing combustion of nuclear fuel; or the radioactive, toxic, explosive or other hazardous properties of any nuclear equipment or component thereof; or the dispersal or application of pathogenic or poisonous biological or chemical materials; or the release of pathogenic or poisonous biological or chemical materials. DEFINITIONS Accident means an unforeseen and involuntary event which causes an Injury during an insured Journey. Accommodation means room charge only. Acquired Immune Deficiency Syndrome or AIDS shall have the meanings assigned to it by the World Health Organization including Opportunistic Infection, Malignant Neoplasm, Human Immune Deficiency Virus (HIV) Encephalopathy (Dementia), HIV Wasting Syndrome or any disease or Sickness in the presence of a seropositive test for HIV. Allianz Global Assistance means the Authorized Representative appointed by the company, registered in Hong Kong as Allianz Worldwide Partners (Hong Kong) Suite , 3rd Floor, Cityplaza Four, 12 Taikoo Wan Road, Taikoo Shing, Hong Kong, Hong Kong. Assistance Hotline shall mean the 24/7 call center operation provided by Allianz Global Assistance, as the Authorized Representative, and which contact details are found in the Certificate of Insurance. Authorized Representative shall mean Allianz Global Assistance. Baggage and Personal Effects means your suitcases, trunks and similar containers including their contents and articles worn or carried by you including your valuables. It does not mean any bicycle, business samples or items that you intend to trade, passport or travel documents, cash, bank notes, currency notes, cheques, negotiable instruments, watercraft of any type (other than surfboards), furniture, furnishings, household appliances, hired items or any other item listed as excluded on your Certificate of Insurance. Close Business Partner shall mean a Close Business Partner of an Insured Person proved as such to the satisfaction of the Company on the basis of business registration or corporate registration documentation acceptable to the Company. Common Carrier shall mean any bus, coach, taxi, ferry, hovercraft, hydrofoil, ship, train, tram or underground train provided and operated by a carrier duly licensed for the regular transportation of fare-paying passengers, and any fixed-wing aircraft provided and operated by an airline or an air charter company which is duly licensed for the regular transportation of fare-paying passengers and any helicopter provided and operated by an airline which is duly licensed for the regular transportation of fare-paying passengers and operating only between established commercial airports or licensed commercial heliports, and any regularly scheduled airport limousine operating on fixed routes and schedules. Confinement or Confined means the period the Insured Person is registered as an in-patient in a Hospital because of a medical necessity under the professional care of a Qualified Medical Practitioner and which the Hospital levies a charge for room and board for the treatment of an Injury or Sickness for such Confinement. Effective Date means the date of the Period of Insurance starts. 14

15 Epidemics means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community. Expiry Date means the date of the Period of Insurance ends. Hong Kong means the Hong Kong Special Administrative Region. Hospital shall mean a Hospital (other than an institution for the aged, chronically ill or convalescent rest or nursing home or a place for alcoholics or drug addicts, or for any similar purpose) operated pursuant to law for the care and treatment of sick or injured persons with organized facilities for diagnosis and surgery and having 24 hours nursing service and medical supervision. Immediate Family Member means Insured Person s spouse, parent, parent-in-law, grandparent, son or daughter, brother or sister, grandchild, legal guardian. Injury shall mean the bodily Injury sustained in an Accident directly and independently of all other causes. Insured Person shall mean the Insured Person(s) named in the Certificate of Insurance or subsequently endorsed herein. Journey wherever used in this Policy shall mean the Journey with the period of travel commencing from the Insured Person leaves the Hong Kong immigration counter on the departure date for the purpose of commencement of his/her insured Journey and until the expiry of the period of travel as specified in the Certificate of Insurance or the Insured Person s arrival at any immigration counter for returning to Hong Kong after the insured Journey, whichever first occurs. Liberty means Liberty International Insurance Limited 13/F, Berkshire House, 25 Westlands Road, Quarry Bay, Hong Kong. Loss of or Loss of Use shall mean the Permanent total functional disablement or complete and Permanent physical severance through or above the wrists or ankle joints, and as used with reference to eyes, shall mean the entire and irrecoverable loss of sight. Loss of Hearing shall mean Permanent irrecoverable Loss of Hearing where: If a db - Hearing loss at 500 Hertz If b db - Hearing loss at 1,000 Hertz If c db - Hearing loss at 2,000 Hertz If d db - Hearing loss at 4,000 Hertz 1/6 of (a+2b+2c+d) is above 80dB. Loss of Sight shall mean the entire and irrecoverable loss of sight. Loss of Speech shall mean the disability in articulating any three of the four sounds which contribute to the speech such as the Labial sounds, the Alveololabial sounds, the Palatal sounds and the Velar sounds or total loss of vocal cord or damage of speech center in the brain resulting in Aphasia. Malignant Neoplasm shall include but not be limited to Kaposi s sarcoma, central nervous system lymphoma and/or other malignancies now known or which become known as immediate causes of death, an illness, or disability, in the presence of Acquired Immune Deficiency Syndrome. Sum Insured means the Sum Insured amount of each of the benefits covered under this Policy as stated in the Schedule of Benefits. Medically Necessary Expenses means expenses incurred and paid by the Insured Person to a legally Qualified Medical Practitioner, physician, surgeon, nurse, Hospital and/or ambulance service for medical, surgical, X-ray, Hospital or nursing treatment including the cost of medical supplies and ambulance hire but excluding the cost of dental treatment unless such treatment is necessarily incurred to sound and natural teeth and is caused by Injury, and excluding any expenses incurred under Section 3a (Emergency Medical 15

16 Evacuation) and Section 3c (Repatriation of Mortal Remains) of this Policy. All treatment must be prescribed by a Qualified Medical Practitioner in order for expenses to be reimbursed under this Policy. Provided that in the event an Insured Person becomes entitled to a refund of all or part of such expenses from any other source, the Company will only be liable for the excess of the amount recoverable from such other sources. Online Travel Booking Platform shall mean a website of an airline, online travel agent, or other from which you have purchased your travel related products (fares, accommodations) and your travel insurance policy. Opportunistic Infection shall include but not be limited to pneumocystis carinii pneumonia, organism of chronic enteritis, virus and/or disseminated fungi infection. Pandemics means a form of an epidemic that extends throughout an entire continent, even the entire human race Percentage of Principal Sum is the Percentage of Principal Sum as stated in the Benefit Table in Section 4 (Personal Accident) herein used to calculate the compensation payable. Period of Insurance means as follows: For Benefits Section 11, the period of insurance starts from the Policy Issue Date shown on the Certificate of Insurance, or 30 days prior to the Departure Date, whichever is later. For Benefits Section 11, the cover expires on the Departure Date, at the moment of the journey commencement. For all other Benefits, the period of insurance starts on the Departure Date, at the moment of the journey commencement. The cover expires upon any of the following (whichever comes first): The Expiry Date stated on your Certificate of Insurance; Your return back to Hong Kong; 120 days from your Departure Date; or When Allianz Global Assistance determines that you should return to Hong Kong for treatment. Permanent shall mean lasting twelve (12) consecutive months from the date of an Accident and at the expiry of the twelve (12) months period being beyond any hope of improvement. Permanent Total Disablement shall mean disablement which commences ninety (90) days from the date of the Accident and which is Permanent and which entirely prevents an Insured Person from attending to any business or gainful occupation of any and every kind or if he/she has no business or occupation from attending to any duties, which would normally be carried out by him/her in his/her daily life. Pre-Existing Condition means any condition for which the Insured Person or Immediate Family Member received from or were recommended by a Qualified Medical Practitioner prior to the Effective Date of this Policy for: a) any medical treatment; b) any diagnosis; c) any consultation; or d) any prescribed drugs leading to a claim under this Policy; or any Symptom which existed prior to the Effective Date leading to a claim under this Policy. Primary Residence means the primary house or building permanent Permanently occupied by the Insured Person for the sole purpose of private dwelling. Principal Sum means the Sum Insured. Qualified Medical Practitioner shall mean any person legally authorized by the Government with jurisdiction in the geographical area of his or her practice to render medical or surgical service, but excluding a Qualified Medical Practitioner who is the Insured Person or an Immediate Family Member of the Insured Person. Schedule of Benefits means the section to this Travel Insurance Terms and Conditions entitled Schedule of Benefits as may be amended by the Company from time to time. 16