Part 2 - Benefits Table of Benefits Section Coverage 1 Medical Cover (a) Medical Expenses 500,000 Including sub-limit of follow-up medical expenses 75

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1 HK Express Travel Protection Plan - Travel Insurance Policy In consideration of the payment of premium and subject to the definitions, exclusions, provisions and terms contained herein, endorsed hereon, or attached hereto, we agree to insure the insured person(s) named in the schedule issued in relation to an insured journey and promise to pay indemnity for loss to the extent provided herein. Part 1 Definitions Certain words in this policy have specific meanings. We have printed these words in italics throughout this policy and have given the meanings below: Accident/Accidental a sudden and unforeseen event that happens unexpectedly and causes injury to the insured person during an insured journey. China the territorial limit of the People s Republic of China, but excluding Hong Kong and Macau. Chinese Medicine Practitioner a registered Chinese medicine practitioner under the Chinese Medicine Ordinance (Cap.549, Laws of Hong Kong) but excluding a Chinese medicine practitioner who is the insured person or an immediate family member of the insured person. Compulsory Quarantine the insured person is being confined in an isolated ward of a hospital or kept in an isolated site appointed by the government for at least one (1) full day and continuously stays in there until discharged from the quarantine. Confined/Confinement the insured person is registered as an in-patient in a hospital for medical treatment for an injury or illness upon the recommendation of a medical practitioner and continuously stays in the hospital prior to his/her discharge from the hospital. Hospital confinement will be evidenced by a daily room and board charged by the hospital. Effective Date either (i) the issue date of this policy or (ii) the date on which the Cancellation of Trip benefit under Section 8 becomes effective, whichever is the later. Follow-Up the medical treatments directly caused by the injury or illness suffered by the insured person for which the insured person has received treatment or hospital confinement during the insured journey. Hong Kong the Hong Kong Special Administrative Region of the People s Republic of China. HKE Hong Kong Express Airways Limited. Hospital an establishment which meets all the following requirements: holds a licence as a hospital (if licensing is required in the state or governmental jurisdiction); and operates primarily for the admission, care and treatment of sick, ailing or injured persons as in-patients; and provides 24-hour a day nursing service by registered or graduated nurses; and has a staff of one or more licensed medical practitioner available at all times; and provides organized facilities for diagnosis and major surgical facilities; and is not primarily a clinic, nursing, rest or convalescent home or similar establishment or a place for alcoholics or drug addicts. Illness sickness or disease of the insured person contracted and commenced during the insured journey and which results in a loss covered by this policy. Immediate Family Member the insured person s spouse, parent, parent-in-law, grandparent, son or daughter, brother or sister, grandchild or legal guardian. Infectious Disease any kinds of infectious disease with human-to-human spread in a large cluster(s) of a local population and which is announced by the World Health Organization. Injury bodily injury sustained in an accident solely and independently of all other causes during the insured journey resulting in a loss covered by this policy. Insured Journey For single trip travel plan, the period of travel commencing from the time when the insured person departs from any immigration counter of Hong Kong and until the time when the insured person (i) returns to Hong Kong on the date specified in the schedule or (ii) arrives at any immigration counter of Hong Kong for returning to Hong Kong, whichever first occurs. However, any period of insurance shall not exceed thirty (30) days. For one-way single trip travel plan, the period of travel commencing from the time when the insured person departs from any immigration counter of Hong Kong and until the time when the insured person arrives at any immigration counter of the final destination shown on the HKE air ticket. Insured Person the person(s) named on the schedule or subsequently endorsed hereon as insured person(s). Itinerary the detailed plan for a journey issued and confirmed by HKE or other public common carrier, travel agency, tour operator or cruise company, together with the payment receipt or confirmation, prior to the commencement of the insured journey. Loss of Hearing permanent irrecoverable loss of hearing where:- If a db = Hearing loss at 500 Hertz If b db = Hearing loss at 1,000 Hertz If c db = Hearing loss at 2,000 Hertz If d db = Hearing loss at 4,000 Hertz 1/6 (a+2b+2c+d) is above 80dB. Loss of Sight the entire and permanent irrecoverable loss of sight. Loss of Speech the disability in articulating any three (3) of the four (4) sounds which contribute to the speech such as the labial sounds, the alveololabial sounds, the palatal sounds and the velar sounds or total loss of vocal cord or damage of speech centre in the brain resulting in aphasia. Loss of Use permanent total functional disablement or complete and permanent physical separation at the limb or organ. Maximum Benefits the benefit amount of each of the benefits covered under this policy as stated in the Table of Benefits. Medically Necessary Expenses expenses incurred from the first day of sustaining an injury or illness during the insured journey which are paid by the insured person to a legally qualified medical practitioner, physiotherapist, nurse, hospital and/or ambulance service for medical, surgical, X-ray, hospital or nursing treatment including the cost of medical supplies and ambulance hire. All treatments must be prescribed by a qualified medical practitioner in order for expenses to be reimbursed under this policy. In the event an insured person becomes entitled to a refund of all or part of such expenses from any other source, we will only be liable for the excess of the amount recoverable from such other sources. Medical Practitioner a person other than the insured person or immediate family member, qualified by a degree in western medicine and legally authorized in the geographical area of his/her practice to render medical and surgical services. Permanent lasting not less than twelve (12) consecutive months from the date of an accident and at the expiry of that period being beyond hope of improvement. Pre-existing Condition the insured person, travel companion or immediate family member received medical treatment, diagnosis consultation or prescribed drugs, or a condition for which medical advice or treatment was recommended by a medical practitioner before the effective date. Principal Home the house or building located in Hong Kong occupied as a private dwelling by the insured person as his/her only permanent residence. Public Common Carrier any mechanically propelled conveyance operated by a company or an individual licensed for regular transportation of fare-paying passengers, including but not limited to bus, coach, ferry, hovercraft, hydrofoil, ship, train, tram or underground train, and any fixed-wing aircraft provided and operated by an airline or an air charter company which is duly licensed for the regular transportation of fare-paying passengers and any helicopter provided and operated by an airline which is duly licensed for the regular transportation or fare-paying passengers and operating only between established commercial airports or licensed commercial heliports, and an regularly scheduled airport limousine operating on fixed routes and schedules. Relevant Documents documents include HKE receipt and ticket, schedule, Table of Benefits, declaration, riders, endorsements, attachments and amendments (regardless verbally or in written format). Schedule the schedule attached to and incorporated in this policy. Serious Physical Injury or Serious Illness an injury or illness which requires treatment by a medical practitioner or serious illness results in the insured person or travel companion being certified by that medical practitioner as being unfit to travel or continue with the insured person s original travel arrangement and having to be confined in a hospital. Serious physical injury or serious illness shall also include such injury or illness due to which the insured person or travel companion is being denied to board the scheduled public common carrier or is being denied to enter into the scheduled destination by any legal, governmental or airport authorities due to injury or illness. When serious physical injury or serious illness is applied to the immediate family member(s), it shall mean injury or illness for which the immediate family member requires treatment, and which is certified by medical practitioner as being dangerous to life and having to be confined in a hospital, and which results in the insured person s discontinuation or cancellation of his/her original insured journey. Terrorism an act of terrorism includes any act, preparation or threat of action including the intention to influence any government de jure or de facto of any nation or any political division thereof and/or to intimidate the public or any section of the public of any nation, of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organization(s) or government(s) de jure or de facto committed for political, religious, ideological, or similar purposes, and which involves violence against one (1) or more persons; involves damage to property; endangers life other than that of the person committing the action; creates a risk to the health or safety of the public or a section of the public; or is designed to interfere with or disrupt an electronic system. Third Degree Burns the damage or destruction of the skin to its full depth and damage to the tissues beneath. Total Disablement when as the result of injury and commencing within ninety (90) days from the date of an accident the insured person is totally disabled and prevented from engaging in each and every occupation or employment for compensation or profit for which the insured person is reasonably qualified by reason of his/her education, training or experience, or if the insured person has no business or occupation, total disablement means the inability of the insured person to perform any activities which would normally be carried out in the insured person s daily life. Travel Companion the person who made the HKE travel booking or reservation with the insured person and accompanied the insured person for the whole insured journey other than tour guide or tour member. Travel Document Travel document necessarily needed for the insured person to complete the insured journey. Travel Ticket a travel ticket purchased for traveling on any public common carrier. Usual, Reasonable and Customary expense which: (i) is charged for treatment, supplies or medical services medically necessary for caring of insured person(s) under the care, supervision, or order of a medical practitioner, (ii) does not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred; and (iii) does not include charges that would not have been made if no insurance existed. War a contest by force between two (2) or more nations, carried on for any purpose; or armed conflict of sovereign powers; or declared or undeclared and open hostilities; or the state of nations among whom there is (i) an interruption of peaceful relations and (ii) a general contention by force, both authorized by the sovereign. We, Us or Our Zurich Insurance Company Ltd

2 Part 2 - Benefits Table of Benefits Section Coverage 1 Medical Cover (a) Medical Expenses 500,000 Including sub-limit of follow-up medical expenses 75,000 (b) Overseas Hospital Daily Cash Benefit 500 per day Up to 5,000 (c) Hospital Confinement or Compulsory Quarantine Cash allowance due to Infectious Disease 300 per day Up to 3,000 2 Personal Accident Maximum Benefits per Insured Person per Insured Journey (HKD) (a) Personal Accident 300,000 (b) Burns Cover 100,000 3 Personal Baggage Cover 6,000 Including sub-limits of: Per item, pair, set or collection 2,000 Aggregate limit for all cameras, camcorders and their accessories and related equipment 4,000 4 Loss of Travel Document and/or Travel Ticket 3,000 5 Personal Liability 2,000,000 6 Travel Delay (HKD300 for each and every 8 hours) 3,000 7 Baggage Delay Allowance (over 10 hours) Cancellation of Trip 5,000 9 Curtailment of Trip 5,000 Section 1 Medical Cover (a) Medical Expenses If the insured person suffers from injury or illness during the insured journey and incurs usual, reasonable and customary medically necessary expenses, we will reimburse the actual medically necessary expenses incurred to the insured person. - Inclusive of Follow-up Medical Expenses This section also insures the insured person up to the sub-limit as stated in the Table of Benefits against any actual medically necessary expenses charged by a medical practitioner in Hong Kong for the follow-up of medical treatment sought by the insured person for the above injury or illness within three (3) months after the insured person s return to Hong Kong from the insured journey. The follow-up medical expenses shall also be extended to cover the medical expenses incurred for the same purpose paid to the Chinese medicine practitioner, subject to an aggregate limit of HKD1,800 and a per visit and per day limit of HKD150. No Follow-up Medical Expenses shall be provided if the insured person returns to Hong Kong after twelve (12) consecutive months from the first day of the above injury or illness was sustained. In no event shall the total amount payable under this Section 1(a) - Medical Expenses exceed 100% of the maximum benefits as stated in the Table of Benefits. (b) Overseas Hospital Daily Cash Benefit If the insured person is confined in an overseas hospital due to an injury or illness during the insured journey, we will pay a daily allowance of HKD500 and up to the maximum benefits as stated in the Table of Benefits. (c) Hospital Confinement or Compulsory Quarantine Cash Allowance due to Infectious Disease If the insured person is confined in an overseas hospital due to infectious disease during the insured journey, we will pay a daily hospital confinement allowance of HKD300 and up to the maximum benefits as stated in the Table of Benefits. In the event that the insured person is suspected or confirmed to have contracted infectious disease during the insured journey and results in compulsory quarantine by the local government or by the Hong Kong Government within three (3) days upon completion of the insured journey and returning to Hong Kong, we will pay the insured person a daily quarantine allowance of HKD300 for each and every day of such compulsory quarantine, up to the maximum benefits as stated in the Table of Benefits. The insured person can only claim for either overseas hospital confinement allowance or quarantine allowance due to infectious disease. Regardless of the number of days of hospital confinement or compulsory quarantine due to infectious disease, in no event shall the maximum amount payable under this benefit exceed the maximum benefits as stated in the Table of Benefits. Special Conditions applicable to Section 1(c) - Hospital Confinement or Compulsory Quarantine Cash Allowance due to Infectious Disease 1. Any home quarantine is excluded from this benefit. 2. No benefit shall be payable if the planned destination(s) has been declared as an infected area on or before the departure date of the insured journey. Exclusions applicable to Section 1 This section does not cover: 1. non-essential medical treatment that is not recommended by a medical practitioner; 2. any loss or medical expenses arising from any travel contrary to the advice of a medical practitioner or for the purpose of receiving medical or surgical treatment; 3. dental care and treatment unless such cost is necessarily incurred due to the necessary dental treatment for the sound and natural teeth of the insured person and is caused by injury during the insured journey; 4. any follow-up treatment expenses incurred outside Hong Kong; 5. any expense incurred or services provided by another party for which the insured person is not liable to pay, or any expenses already included in the cost of the insured journey; 6. cosmetic surgery, refractive errors of eyes or hearing-aids, and prescriptions therefor except necessitated by injury occurring during the insured journey; 7. surgery or medical treatment which is not substantiated by a written report from the qualified medical practitioner or Chinese medicine practitioner; 8. surgery or medical treatment when in the opinion of the qualified medical practitioner treating the insured person, the treatment is not urgent and medically necessary during the insured journey, and can be reasonably delayed until the insured person returns to Hong Kong; 9. any additional cost of single or private room or semi-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; or 10. any loss if the insured person refuses to follow the recommendation of a medical practitioner to return to Hong Kong, or refuses to continue the insured journey whilst the insured person s physical condition at the time of recommendation is fit for travel. Section 2 Personal Accident (a) Personal Accident In the event that the insured person suffers from injury resulting from accident during the insured journey, we will pay in accordance with the percentage stated in the Compensation Table hereunder up to the maximum benefits as stated in the Table of Benefits, but only to the extent and provided that if such injury results in any one (1) of the following Events within twelve (12) consecutive months after the date of the accident. Events Accidental Death and Disablement Compensation Table Percentage of Maximum Benefits 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 Sight of one Eye 100% 6. Loss of or the Permanent Total Loss of Use of two Limbs 100% 7. Loss of or the Permanent Total Loss of Use of one Limb 100% 8. Loss of Speech and Hearing 100% 9. Permanent Total Loss of Hearing in (a) both ears 75% (b) one ear 15% Compensation Conditions: (i) Benefit shall not be payable for more than one (1) of the Events listed above in respect of the same accident. Should more than one (1) of the Events occur as a result of the same accident, only the Event with the highest compensation will be payable under this section. (ii) Upon the occurrence of any compensation for which indemnity is payable under any one (1) of the above Events to any one (1) insured person in the policy, all benefits under the policy shall then immediately cease to be in force with regard to such insured person, but such termination shall be without prejudice to any claim originating out of the accident causing such loss. (iii) For any partial disablement in relation to Events 2-9 inclusive which existed prior to an injury covered under this and becomes a total disablement as a result of such injury, the Percentage of Maximum Benefits payable shall be determined by us having regard to the extent of disablement caused by the covered injury. However, no payment shall be made in respect of any disablement which was totally disabled prior to the injury. (b) Burns Cover In the event that the insured person suffers from third degree burns as a result of an accident during the insured journey, we will pay in accordance with the percentage stated in the Third Degree Burns Table hereunder up to the maximum benefits as stated in the Table of Benefits, but only to the extent and provided that such third degree burns results in the specified damage to any one (1) of the following specified Areas within twelve (12) consecutive months after the date of the accident. Third Degree Burns Table Area Compensation Table Damage as a percentage of total surface area Percentage of Maximum Benefits Head (a) Equal to or greater than 12% damage of total head surface area 100% (b) Equal to or greater than 8% but less than 12% damage of total 75% head surface area (c) Equal to or greater than 5% but less than 8% damage of total 50% head surface area (d) Equal to or greater than 2% but less than 5% damage of total 25% head surface area Body (a) Equal to or greater than 20% damage of total body surface area 100% (Exclude Head) (b) Equal to or greater than 15% but less than 20% damage of total 75% body surface area (c) Equal to or greater than 10% but less than 15% damage of total 50% body surface area

3 Compensation Conditions: (i) Benefit shall not be payable for more than one (1) of the Areas listed above in respect of the same accident. If injury occurs to more than one (1) of the Areas as a result of the same accident, we shall pay only for the Area for which the highest compensation is payable under this section. (ii) For any third degree burns resulting in damage to an Area listed in the Third Degree Burns Table above and existed prior to an injury covered under this policy, and which the same Area is damaged again due to third degree burns caused by such injury, the Percentage of Maximum Benefits payable shall be determined by us having regard to the extent of damage on the Area caused by the covered injury. In no event shall we pay for any damage on the Area sustained prior to the injury. Disappearance Clause If the body of the insured person has not been found within one (1) year after the date of the disappearance due to disappearance, sinking or wrecking of the aircraft or other public common carrier either on the ground or at sea in which the insured person was travelling at the time of the accident and under such circumstances as would otherwise be covered hereunder, it will be presumed that the insured person suffered death resulting from an accident covered by this policy at the time of such disappearance, sinking or wrecking. Maximum Liability for Personal Accident Where any individual life is insured under multiple policies or certificates of insurance which include accidental death and permanent disablement covers as defined in each policy and are issued by us and/or our related companies, the maximum liability in respect of any one individual life under all accidental death and permanent disablement covers shall not exceed HKD5,000,000 in aggregate and each policy shall bear a proportionate share of the total loss. Exclusion applicable to Section 2 This section does not cover any loss caused by an injury which is a consequence of any kind of disease and/or illness. Section 3 Personal Baggage Cover We will pay for accidental loss of or damage to personal possessions normally worn or carried, including luggage and belonging, owned by the insured person during the insured journey. For any personal possession and belonging that are kept inside an unattended vehicle, it must be left inside a trunk of a locked vehicle. We may make payment or at our option reinstate or repair as we may elect subject to due allowance for wear and tear and depreciation. If any damaged article is proven to be beyond economical repair, a claim shall be dealt with as if the article had been lost. Sub-limits for Personal Baggage are as follows: 1. HKD2,000 for any one (1) article, pair, set or collection in respect of any one (1) insured person. 2. An aggregate maximum limit of HKD4,000 for all cameras and camcorders and their accessories and related equipment in respect of any one (1) insured person. In no event shall the total amount payable under this Section 4 - Personal Baggage Cover exceed 100% of the maximum benefits stated in the Table of Benefits. Exclusions applicable to Section 3 This section does not cover: 1. the following classes of property: business goods or sample, foodstuffs and/or medicine, tobacco, contact lenses, dentures and/or its appliances, animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, any other conveyances, household furniture, antiques, any kind of jewelleries or accessories make of or contains of any kind of gold, platinum, diamond, jade or pearl, mobile phone (including PDA phone, smart phone or similar device with telecommunications function and other accessories), money (including cheques, traveller s cheques, etc), plastic money (including the credit value of credit card, Octopus cards, etc), coupons or securities, bonds, negotiable instruments, tickets or documents; 2. lap-top computer with any problems or defects triggered by software and malicious code (including but not limited to download of such software); 3. any loss not reported to the local police or public authority within twenty-four (24) hours of discovery and such report is not obtained at the place of loss; 4. any loss or damage caused by wear, tear, gradual deterioration, insects, vermin, corrosion, rot, mildew, fungus, atmospheric conditions, the action of light, any process of heating, drying, cleaning, dyeing, alteration or repair, scratching, denting, breakdown, misuse, faulty workmanship or design, the use of faulty materials, or its resulting loss or damage; 5. any loss or damage resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism, or action taken by government authorities in hindering, combating or defending against such an occurrence; destruction under quarantine or customs regulations, confiscation or detention by customs or other government officials or risk of contraband or illegal transportation or trade; 6. any loss of property not being on the same public common carrier of the insured person, or souvenirs and articles mailed or shipped separately from the insured journey; 7. any loss of or damage to property which resumes to function normally after it has been fixed or repaired by a third party with no additional costs incurred to the insured person; 8. any loss of property 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; 9. any loss of property left in unlocked vehicle or in vehicle which is left unattended with no one inside, unless the property is locked inside a trunk of the vehicle; 10. any loss of data recorded on tapes, cards, diskettes; 11. damage to any brittle or fragile items like glass or crystal; 12. any loss of or damage to property while in the custody of a hotel or public common carrier, unless reported immediately on discovery in writing to such hotel or public common carrier within three (3) days and a Property Irregularity Report is obtained in the case of the event occurred in an airline; 13. any loss claimed under Section 7 - Baggage Delay Allowance arising from the same cause; 14. any loss of or damage to property insured under any other insurance certificate/policy, or otherwise reimbursed by public common carrier or a hotel; 15. any loss or damage to hired or leased equipment; or 16. any unexplained loss or mysterious disappearance. Section 4 Loss of Travel Document and/or Travel Ticket In the event that the insured person loses his/her travel ticket and/or travel document due to robbery, burglary or theft occurring during the insured journey, we will pay for the cost of replacing the travel ticket and/or travel document. In no event shall the total amount payable under this Section 4 Loss of Travel Document and/or Travel Ticket exceed 100% of the maximum benefits as stated in the Table of Benefits. Exclusions applicable to Section 4 This section does not cover: 1. any loss not reported to the police within twenty-four (24) hours from of discovery of the incident and for which such police report is not obtained at the place of loss; 2. for loss of driver s license, credit card(s), or any loss of any travel document and/or visa and/or travel ticket which is not needed to complete the insured journey; 3. any unexplained loss or mysterious disappearance; 4. any fine or penalties incurred due to non-replacement or late replacement of the documents by the insured person; 5. for the claim of both temporary and permanent version of the same travel document. In the event of such loss, the insured person may claim either one (1) version; 6. in respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism or action taken by governmental authorities in hindering, combating or defending against such an occurrence, 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); or 7. any expense incurred or services provided by another party for which the insured person is not liable to pay, or any expenses already included in the cost of the insured journey. Section 5 Personal Liability We will indemnify any amount which the insured person becomes legally liable to pay as compensation and/or legal expenses for an accident occurring during the insured journey which causes death or injury to a third party or damage to property of a third party, up to the maximum benefits stated in the Table of Benefits. However, the insured person must not make any offer or promise of payment or admit liability to any other party, or become involved in any litigation without our written approval. Exclusions applicable to Section 5 This section does not cover liability arising directly or indirectly from: 1. any employment, business, profession or trade; 2. any wilful, malicious or unlawful act of the insured person or any criminal acts; 3. liability to any person who is the immediate family member or relative or employer or employee; 4. contractual liability; 5. ownership, possession, use or control of any vehicle, aircraft, watercraft, land, buildings, firearms or animals; 6. damage to property owned by or held in trust or in the custody of the insured person or relative or the immediate family member or employer; 7. any act of terrorism, regardless of any other cause or event contributing concurrently or in any other sequence to the loss; or 8. any action in controlling, preventing, suppressing, retaliating against or responding to any such act of terrorism. Section 6 Travel Delay In the event that the public common carrier in which the insured person has arranged to travel is delayed from the departure time specified in the insured person s original itinerary as a result of strike by the employees of the public common carrier, hijack, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the public common carrier, we will pay the following benefits to the insured person HKD300 for each and every full eight (8) hours of delay up to the maximum benefits as stated in the Table of Benefits. The period of delay will be calculated the original scheduled departure time of the public common carrier specified in the itinerary supplied to the insured person until the actual departure time of (i) the original public common carrier or (ii) the first available alternative transportation offered by that public common carrier. Special Condition for Section 6 The insured person must check-in for the original scheduled public common carrier and all claims must be substantiated by written confirmation from the public common carrier on the number of hours of delay and the reason for such delay. Exclusions applicable to Section 6 This section does not cover: 1. delay of the insured journey as a result of any circumstances which is existing or announced before the effective date; 2. any loss arising from late arrival of the insured person at the airport or port (i.e. arrival at a time later than the time required for check-in or booking except for the late arrival due to strike by the employees of the public common carrier); 3. any loss in relation to alterations to original itinerary that is not verified by HKE or other public common carrier, travel agency or other relevant organizations; 4. any loss due to air traffic control by local government or relevant authorities; or 5. any circumstances covered by any other insurance scheme, government programme or which will be paid or refunded by HKE or travel agency, tour operator or other provider of any service forming part of the booked itinerary. Section 7 Baggage Delay Allowance In the event of the insured person s checked-in baggage being delayed for over ten (10) hours after the insured person s arrival at the scheduled destination abroad, regardless of the number of checked-in baggage, we will pay a lump sum allowance as stated in the Table of Benefit to the insured person, and subject to the same delayed checked-in baggage can only be claimed once by one (1) insured person. Special Condition for Section 7 All claims must be substantiated by written confirmation from the public common carrier on the number of hours and the reason of such delay. Exclusions applicable to Section 7 This section does not cover: 1. any baggage not being on the same public common carrier of the insured person or souvenirs and articles mailed or shipped separately; 2. any loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism, or action taken by governmental authorities in hindering, combating or defending against such an occurrence; detention or destruction under quarantine or customs regulations, confiscation by order of any Government of Public Authority or risk of contraband or illegal transportation or trade; 3. any loss claimed under Section 3 - Personal Baggage Cover arising from the same cause; or 4. any loss as a result of any quarantine or customs regulations, confiscation or detention by customs or other government officials or risk of contraband or illegal transportation or trade. Section 8 Cancellation of Trip In the event that the insured person has to cancel the insured journey as a result of any of the following: (i) death, serious physical injury or serious illness of the insured person, immediate family member or travel companion within ninety (90) days before the commencement date of the insured journey; (ii) witness summons, jury service or compulsory quarantine of the insured person within ninety (90) days before the commencement date of the insured journey; (iii) serious damage to the principal home of the insured person or travel companion in Hong Kong due to fire, flood or burglary within one (1) week before the commencement date of the planned insured journey which requires the insured person or travel companion s presence in Hong Kong on the commencement date of the insured journey for the purpose of police investigation; we will pay up to the maximum benefits as stated in the Table of Benefits for the loss of HKE ticket fare which have been paid in advance and for which the insured person is legally liable and which are not recoverable from any other sources.

4 Section 9 Curtailment of Trip In the event that the insured person has to abandon the insured journey and return to Hong Kong after the insured journey has begun due to death, serious physical injury or serious illness of the insured person, immediate family member or travel companion, we will pay for the loss of unused HKE ticket fare for which the insured person is legally liable and which is not recoverable from any other sources, subject to the maximum benefits specified in the Table of Benefits. Exclusions applicable to Section 8 and Section 9 These sections do not cover: 1. any circumstances leading to the cancellation or curtailment of the insured journey which is existing or announced before the effective date; 2. if the purpose of the insured journey is to obtain medical treatment or the insured journey is undertaken against the medical practitioner s recommendation; 3. any medical condition or other circumstances known to have existed before the effective date; 4. any loss directly or indirectly arising from any government s regulations control or act, bankruptcy, liquidation, error, omission or default of HKE or any travel agency, tour operator, public common carrier and/or other provider of any service forming part of the booked itinerary; 5. failure to notify the HKE or travel agency, tour operator, public common carrier and/or other provider of any service forming part of the booked itinerary of the need to cancel or curtail the travel arrangement immediately when it is found necessary to do so; 6. any loss in relation to cancellations or curtailments to schedules that is not verified by HKE or public common carrier, travel agency or other relevant organizations; 7. any loss which will be paid or refunded by any existing insurance scheme, government programme, HKE or public common carrier, travel agency or any other provider of transportation and/or accommodation; 8. failure to obtain a written medical report from the medical practitioner; 9. any expenses incurred for services provided by another party for which the insured person is not liable to pay and/or any expenses already included in the cost of a scheduled insured journey; 10. any loss if the insured person refuses to follow the recommendation of a medical practitioner to return to Hong Kong, or refuses to continue the insured journey whilst the insured person s physical condition at the time of recommendation is fit for travel (applicable to Section 9 Curtailment of Trip only); 11. in respect of losses claimed under Section 6 - Travel Delay arising from the same cause (applicable to Section 9 Curtailment of Trip only); or 12. the insured person fails to provide a written confirmation issued by the relevant government or other relevant authorities regarding the compulsory quarantine, including but not limited to the quarantined period and the reason for such quarantine. Part 3 General Exclusions This policy does not cover any loss or liability directly or indirectly arising as a result of or in connection with: 1. any pre-existing condition, congenital and hereditary condition; 2. any illegal or unlawful act by the insured person or confiscation, detention, destruction by customs or other authorities; 3. the insured person is not taking all reasonable efforts to safeguard his/her property, or to avoid injury to minimize any claim under this insurance; 4. riding or driving in any kind of motor racing, competition or engaging in a sport in a professional capacity or where the insured person would or could earn income or remuneration from engaging in such sport; 5. suicide or intentional self-inflicted injury; 6. insanity, psychosis, sleep disturbance disorder, mental or nervous disorders, any condition under the influence of alcohol or drugs (other than those prescribed by a qualified medical practitioner), alcoholism, drug addiction or solvent abuse; 7. any condition resulting from pregnancy, childbirth or miscarriage, abortion, pre-natal care as well as post-natal care and other complications arising therefrom, venereal disease; 8. any home leave while the insured person is confined to a hospital as an in-patient; 9. being as a crew member or an operator of any air carrier, or testing of any kind of conveyance; 10. any activity or involvement of the insured person in the air unless such insured person is at the relevant time (i) travelling as a fare paying passenger on a regular scheduled flight or licensed chartered aircraft, or (ii) participating in such activity where the maneuver or navigation of such activity is responsible by another person who is adequately licensed for guiding such activity and the provider of such activity must be authorized by the relevant local authority; 11. engaging in any kind of labour work; engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives, performing as an actor/actress, being a site worker, fisherman, cook or kitchen worker, tour guide or tour escort; naval, military or air force service or operations or armed force services; 12. trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level; 13. any injury, illness, death, loss, expense or other liability attributable to HIV (Human Immunodeficiency Virus) and/or HIV-related illness including AIDS and/or any mutant derivative or variations thereof however caused or however named; 14. any event arising from war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, insurrection, military force or coup; 15. the insured person s direct participation in strike, riot or civil commotion or terrorism; 16. any medical treatment received during an insured journey which was made for the purpose of receiving medical treatment or if the insured journey was undertaken while the insured person was unfit to travel; or the insured person is traveling against the advice of a medical practitioner; 17. any expenses, consequential loss, legal liability or loss of or damage to any property directly or indirectly arising from: ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component; 18. any expenses that can be compensated from any other sources except for except for Section 1(b) - Overseas Hospital Income Benefit, Section 1(c) - Hospital Confinement or Compulsory Quarantine Cash Allowance due to Infectious Disease, Section 2 - Personal Accident, Section 6 - Travel Delay and Section 7 Baggage Delay Allowance; or 19. any insured person who is a holder of the People s Republic of China passport and travels to/within China during the insured journey. However, this exclusion will be waived if the insured person mentioned in the aforesaid has an official document issued by an overseas government (other than China) as proof that he/she is a legal resident of the relevant country of such government but travelling with a passport of the People s Republic of China. Part 4 General Conditions 1. At the time of effecting this policy, the insured person must be fit to travel; otherwise any claims shall result in our right to repudiate liability under this policy. 2. All insured journey must depart from Hong Kong. 3. No refund of premium is allowed once the policy has been issued and the policy cannot be renewed once expired. 4. If the insured person s insured journey cannot be completed within the period stated in the schedule due to any circumstances beyond the insured person s control, we will automatically extend the cover period of insurance, subject always to a maximum of ten (10) calendar days, without charge for such a period as is reasonably necessary for completion of the insured person s insured journey. 5. The maximum period of the insured journey cannot exceed thirty (30) days. 6. The insurance is only valid for conventional leisure travel or business travel (limited to administrative work only). The insurance shall not apply to persons undertaking expeditions, treks or similar journey. 7. If the insured person is covered under more than one (1) comprehensive voluntary travel insurance policy underwritten by us for the same insured journey, only the travel insurance policy with the greatest compensation will apply and benefits thereunder payable. Part 5 General Provisions 1. Entire Contract This policy contract including all relevant documents will constitute the entire contract between the parties. No agent or other person has the authority to change or waive any provision of the policy. No changes in this policy shall be valid unless approved by our authorized officer and evidenced by endorsement of amendment. 2. Age Limit Unless specifically mentioned in the contrary, this insurance applies to any insured person at all ages. 3. Notice of Claims Written notice of claim must be given to us by the insured person within thirty (30) days of the date of the incident causing such loss. In the event of accidental death, immediate notice thereof must be given to us by insured person s legal representative. All other certificates, information and evidences required by us shall be furnished at the expenses of the insured person s or the personal representative of the insured person and shall be in such form and of such nature as we may prescribe. If the insured person does not comply with this condition, we shall have the sole discretion to decide not to pay any benefits under this policy. 4. Proof of Loss Written proof of loss must be furnished to us within thirty (30) days from the date of issuance of our receipt of the claim provided to us. Failure to furnish such proof within the specified time frame shall not invalidate any claims if it was not reasonably practicable to provide proof within such time, provided that such proof is furnished as soon as reasonably practicable, and in no event later than one hundred and eighty (180) days from the time when such proof is otherwise required. All certificates, information and evidence in such form and of such nature and within such time as we may reasonably require shall be furnished at the expense of the claimant without any expense to us. 5. Claims Admittance In no case shall we be liable in respect of any claim after the expiry of twelve (12) months from the occurrence of the incident giving rise to a claim under the policy unless the claim has been admitted or is the subject of a pending legal action or arbitration. 6. Medical Examination We shall be entitled in the case of non-fatal injury to call for examination by a medical referee appointed by us if we deem necessary and in the event of death to have a postmortem examination at our expense. The result of such examination shall be our property. 7. Payment of Claims We will pay all benefits to the insured person for their respective rights and interests. All payment of claims in this policy shall be in Hong Kong dollars and are payable to the insured person after the receipt of due proof upon our approval. In the event of accidental death of the insured person, we will pay all the pending benefits to the estate of the insured person. In the event that the insured person is aged seventeen (17) years or below, we will pay all benefits to his/her parent or legal guardian for their respective rights and interests. All indemnities provided in this policy will be paid immediately after the receipt of due proof upon our approval. 8. Liability Claims The insured person must not admit, deny, or settle a claim without our consent. 9. Misrepresentation or Non-disclosure If the insured person, or anyone acting on behalf of the insured person makes a statement in the application or in connection with any claim knowing that the statement is false, or fail to disclose pre-existing conditions or fail to act in utmost good faith, we will not be liable for any claim and all covers and benefits under this policy shall cease immediately. We will not be liable to refund any premium paid. If any benefit has been paid by us, the insured person shall refund such benefit to us within seven (7) working days from the date of our notice of demand. 10. Misstatement of Age If the insured person s age has been misstated, the premium difference would be returned or charged according to the correct age. In the event that the insured person s age has been misstated and if, according to the correct age, the coverage provided by this policy would not have become effective, or would have ceased prior to the acceptance of each premium or premiums, then our liability shall be limited to the refund of premiums paid this policy, and we will be entitled to void or terminate the policy totally. 11. Other Insurance If at the time of a claim there is any other policy insured by other insurance company which also provides the same benefits as this, we will only be liable for our proportionate share (except for Section 1(b) - Overseas Hospital Income Benefit, Section 1(c) - Hospital Confinement or Compulsory Quarantine Cash Allowance due to Infectious Disease, Section 2 - Personal Accident, Section 6 - Travel Delay and Section 7 Baggage Delay Allowance). 12. Clerical Error Our clerical errors shall not invalidate insurance otherwise valid nor continue insurance otherwise not valid. 13. Legal Action No legal action shall be brought to recover on this policy prior to the expiration of sixty (60) days after written proof of claims has been filed in accordance with the requirements of this policy, nor shall such action be brought at all unless commenced within one (1) year from the expiration of the time within which proof of claims is required. 14. Subrogation We have the right to proceed at our own expense in the name of the insured person against third parties who may be responsible for an occurrence giving rise to a claim under this policy, and the insured person shall concur in doing and permit to be done all such acts and things as may be necessary or reasonably required by us for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other