Coverage Maximum Benefit Per Insured Person (HK$) Gold Diamond 5) Personal Belongings Cover 15,000 20,000 - Sub-limit per item/set/pair (except Camera

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1 Dah Sing Insurance Company (1976) Limited 20/F Island Place Tower 510 King s Road, North Point Hong Kong T F hour Emergency Assistance: (852) JOURNEYSURE TRAVEL INSURANCE POLICY This Policy Terms & Conditions, the Schedule/Certificate of Insurance and any endorsement attached or to be attached thereon shall be read together as one contract (hereinafter called the Policy ) and any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule/Certificate of Insurance shall bear such specific meaning wherever it may appear. The Proposal Form and Declaration made by the Proposer / Insured Person(s) shall form the basis of this Policy and are deemed to be incorporated herein as part of this Policy. In consideration of the Insured Person(s) has/have applied to Dah Sing Insurance Company (1976) Limited (hereinafter called the Company ) for the insurance hereinafter contained and on the condition that the Insured Person(s) has/have paid or agreed to pay the premium as specified for such insurance, and on condition that at the time of effecting this Policy the Insured Person(s) is/are fit to travel and on condition that the information provided in the Proposal Form and Declaration / Certificate of Insurance is true and correct, the Company will pay the benefits subject to the definitions of words, exclusions, limitations, provisions and terms contained herein, endorsed hereon, or attached hereto. Where the Proposal Form and Declaration is in respect of more than one Insured Person, the Company further agrees to provide the insurance on the basis that this Policy, notwithstanding any other provisions, is deemed and accepted to constitute separate insurance in respect of each of such Insured Person covered. IMPORTANT - Please read this Policy carefully upon receipt and promptly request for any necessary amendments. SUMMARY OF BENEFITS (subject to terms and conditions of this Policy) Coverage Maximum Benefit Per Insured Person (HK$) Gold Diamond 1) Personal Accident Cover 500,000 1,000,000 - Aged 18 up to and including ,000 1,000,000 - Aged under 18 or over , , Extra Personal Accident Cover 250, , Burns Cover 250, , Loss of Income 12,000 12,000 - Weekly Limit 1,000 1,000 2) Medical Expenses Cover 500,000 1,000,000 - Aged up to and including ,000 1,000,000 - Aged above , , Overseas Transportation for Medical Treatment Hospitalisation / Quarantine Cash Benefit 3,000 5,000 - Daily Limit Hospitalisation in Overseas 3,000 5,000 - Hospitalisation in Hong Kong 3,000 5, Medical Treatment in Hong Kong - Due to Bodily Injury 500,000 1,000,000 - Due to Sickness 50, ,000 - Chinese Medicine Practitioner 1,500 3,000 - Daily Limit 150/visit 150/visit 2.4 Medical Equipment 10,000 20, Trauma Counseling 15,000 30,000 - Daily Limit 2,000 2,000 3) Compassionate Death Cash Benefit 10,000 20,000 4) Worldwide Emergency Assistance Services 4.1 Hospital Admission Guarantee 40,000 40, Emergency Medical Evacuation Actual Cost Actual Cost 4.3 Repatriation of Mortal Remains Actual Cost Actual Cost 4.4 Compassionate Visit 20,000 50, Accommodation for Convalescence 15,000 30, Return of Unattended Children 20,000 50, Travel Information Service Covered Covered Page 1 of 20 (TR )

2 Coverage Maximum Benefit Per Insured Person (HK$) Gold Diamond 5) Personal Belongings Cover 15,000 20,000 - Sub-limit per item/set/pair (except Camera) 2,000 3,000 - Camera 5,000 7, Loss of Personal Money 2,000 3, Loss of Travel Document or Transport Ticket 15,000 20,000 - Accommodation Daily Limit 1,500 2,000 6) Baggage Delay Cover 500 1,000 7) Travel Delay Cover 10,000 15, Travel Delay Cash Benefit 1,500 3,000 - First 5 hours of delay Each subsequent 10 hours of delay Additional Accommodation 1,500 3, Additional Transportation 5,000 10, Forfeited Travel Expenses 3,000 5,000 8) Trip Cancellation Cover 20,000 50,000 - Amber Alert 500 1,000 - Red Alert 1,000 2,000 - Black Alert 20,000 50,000 9) Trip Curtailment Cover 15,000 30,000 10) Personal Liability Cover 1,000,000 2,000,000 11) Loss of Home Contents Cover 5,000 10,000 - Sub-limit per item/set/pair 2,000 3,000 12) Rental Vehicle Excess Cover 2,500 5,000 13) Credit Card Protection 15,000 30,000 14) Golfer Hole-in-One 1,000 3,000 15) Cruise Interruption Cover 10, Additional Transport Ticket Not Applicable 5, Excursion Tour Cancellation 5,000 DEFINITIONS OF WORDS Certain words in the Policy have special meanings. These meanings are given below or defined at the beginning of the appropriate section. Whenever these words are used this is what they mean. 1. Accident / Accidental means:- an unforeseen and involuntary event which causes a Bodily Injury or a loss during an Insured Journey. 2. Accommodation means:- room charge only. 3. Bodily Injury means:- bodily injured to the Insured Person caused solely by violent Accidental external means and which is independent of any other causes. 4. Camera means:- camera body, photographic lens, flash or tripod. 5. Chinese Medicine Practitioner means:- Chinese bonesetter, acupuncturist, or Chinese medicine practitioner who is legally registered as Chinese medicine practitioner under the Chinese Medicine Ordinance, but excluding a Chinese Medicine Practitioner who is the Insured Person or an Immediate Family Member of the Insured Person. 6. Close Business Partner means:- a business associate who has a share in the Insured Person's business and is proved by the Insured Person to the satisfaction of the Company on the basis of business registration or corporate registration documentation, which is acceptable to the Company. 7. Compulsory Quarantine / Quarantine means:- detention of the Insured Person in an isolated ward of a Hospital or an isolation site, other than the dwelling, appointed by the local government for at least one (1) full day (twenty-four (24) hour) and continuously stays in there until discharge from the quarantine. 8. Confinement / Confined means:- confinement in a Hospital as an inpatient for medical treatment upon the recommendation of a Medical Practitioner for stay in the Hospital. Hospital Confinement must be supported by a daily room and board charge by a Hospital. 9. Effective Date means:- the date of this Policy for Single Trip Travel Plan is issued. For the Annual Travel Plan, it means either (i) the date of this Policy is issued or (ii) the date stated on the receipt regarding the planned journey, whichever is the later. 10. Home Contents means:- household goods, personal belongings, furniture, fixtures and fittings (excluding interior decorations) belonging to the Insured Person in the Principal Home. 11. Hong Kong means:- Hong Kong Special Administrative Region of the People s Republic of China. 12. Hospital means:- an establishment that: is licensed as a hospital; and primarily provides services of admission, care and inpatient treatment; and has twenty-four (24) hour nursing service by registered nurses; and has licensed Medical Practitioners available at all times; and provides organised facilities for diagnosis and major surgical facilities; and is not a clinic, health hydro or nature cure clinic, a nursing, rest or convalescent home or similar facility; and is not a place for the aged, alcoholics or drug addicts. 13. Immediate Family Member means:- the legal Spouse, parent(s), parent-in-law, child(ren), legally adopted child(ren), grandparent(s), grandchild(ren), sibling(s) or legal guardian(s). 14. Infectious Disease means:- any kind of infectious disease which is publicly announced and requires Quarantine by the government. Page 2 of 20 (TR )

3 15. Insured Family means:- the Insured Person and/or Spouse and their legitimate child(ren) aged below eighteen (18) years old enrolled under family plan named in the Schedule/Certificate of Insurance for the same Insured Journey. 16. Insured Journey means:- for the Single Trip Travel Plan, it means the period of travel commences from the time when the Insured Person departs and passed through from Hong Kong Immigration control point and until the time when the Insured Person either (i) returns to Hong Kong on the date specified in the Schedule /Certificate of Insurance; or (ii) arrives and passed through at Hong Kong Immigration Department control point upon returning to Hong Kong, whichever first occurs. Any period of insurance should not exceed one hundred and eightytwo (182) days for Single Trip Travel Plan. In the case of one-way trip, it shall mean the time when the Insured Person departs and passed through from Hong Kong Immigration Department control point to seven (7) days after the day of arrival at the final destination or until the expiration of the Policy, whichever first occurs. For the Annual Travel Plan, it means the period of travel commences from the time when the Insured Person departs and passed through from Hong Kong Immigration Department control point and until the time when the Insured Person either (i) arrives and passed through at Hong Kong Immigration Department control point upon returning to Hong Kong or (ii) the expiration of ninety (90) days period from the commencement date of each Insured Journey, whichever first occurs. 17. Insured Person means:- the person(s) named in the Schedule/Certificate of Insurance as the Insured Person, for whom insurance has been arranged. 18. Loss of Hearing means:- permanent and irrecoverable loss of hearing where one sixth of (a + 2b + 2c + d) is above 80dB: 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 19. Loss of Limb means:- loss by physical severance, or total and Permanent loss of use of a hand at or above the wrist or of a foot at or above the ankle. 20. Loss of Sight means:- complete blindness which is Permanent and incurable. 21. Loss of Speech means:- 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 to speech centre in the brain resulting in Aphasia. 22. Medical Equipment means:- wheel-chairs, prostheses, spectacles, crutches, walking frames, orthopaedic braces and supports, cervical collars and hearing aid. 23. Medically Necessary Expenses means:- medical expenses arising from a Bodily Injury or Sickness during the Insured Journey which are paid by the Insured Person to a Medical Practitioner, physiotherapist, nurse, Hospital and/or ambulance service for medical, surgical or nursing treatment including the cost of medical supplies and ambulance hire. All treatments must be prescribed by a Medical Practitioner in order for expenses to be reimbursed under this Policy. In the event an Insured Person becomes entitled to reimburse of all or part of such expenses from any other sources, the Company will only be liable for the excess of the amount irrecoverable from such other sources. 24. Maximum Benefit means:- the benefit amount of each benefits covered under this Policy stated in the Summary of Benefits. 25. Medical Practitioner means:- a person other than the Insured Person or Immediate Family Member, qualified and legally authorised in the geographical area of his/her practice to render medical and surgical services. 26. Permanent / Permanently means:- lasting twelve (12) consecutive months from the date of Accident and at the expiry of that period being beyond hope of further improvement. 27. Permanent Total Disablement means:- the state of the Insured Person is prevented from engaging in each and every occupation or employment for compensation or profit for which the Insured Person is reasonably qualified by the Insured Person s education, training or experience, or if the Insured Person has no business or occupation, it means the disability of the Insured Person to perform any activities which would normally be carried out by the Insured Person in his/her daily life; and such disability has continued for twelve (12) consecutive months and must be certified by a Medical Practitioner to be total, continuous and Permanent for the remainder of the Insured Person s life. 28. Personal Belongings means:- personal goods other than Camera which are normally worn or carried, and owned by the Insured Person during the Insured Journey or acquired by an insured Person during the Insured Journey. 29. Personal Money means:- cash, banknote, personal cheque or traveler s cheque. 30. Pre-existing Medical Condition means:- any Bodily Injury or Sickness sustained or suffered by either an Insured Person, Immediate Family Member, Travel Companion, or Close Business Partner which has been diagnosed or exhibited symptoms or which has occurred or required medical advice and/or treatment and/or the prescription of drugs prior to the Effective Date. 31. Principal Home means:- the house or building located in Hong Kong occupied as a private dwelling by the Insured Person as his/her only permanent / primary residence. 32. Professional Golfer means :- an Insured Person s livelihood is substantially dependent on income received as a result of that Insured Person playing golf. 33. Public Common Carrier means:- any mechanically propelled conveyance which operated by a company or an individual duly licensed for the regular transportation of fare-paying passengers or for hired. 34. Rental Vehicle means:- all non-commercial on-land vehicle (except motorcycle) rented or hired from a licensed motor vehicle rental/ hire company for the sole purpose of carrying an Insured Person on public roadways. 35. Riot means:- The act of a group of people in any disturbance of the public peace (whether in connection with a Strike or lock-out or not) and the action of any lawfully constituted governmental authority in suppressing or attempting to suppress any such disturbance or in minimizing the consequences of such disturbance. 36. Schedule/Certificate of Insurance means:- the Schedule/Certificate of Insurance attached to and incorporated in the Policy of insurance. 37. Serious Medical Condition means:- a Bodily Injury or Sickness which requires treatment and certified by a Medical Practitioner and which results in the Insured Person or Travel Companion as being unfit to travel or continue with the Insured Person s original travel arrangement. Serious Medical Condition shall also include such Bodily Injury or Sickness 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 planned destination by any legal, government or airport authorities. When Serious Medical Condition is applied to the Immediate Family Member or Close Business Partner, it shall mean Bodily Injury or Sickness for which the Immediate Family Member or Close Business Partner requires treatment, 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. 38. Sickness means:- sickness or disease commencing during the Insured Journey which is the direct and independent cause of loss. 39. Spouse means:- the husband or wife of the Insured Person by a valid and legal marriage. 40. Terrorist Act means:- any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption, or commission of an act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not. Criminal acts, primarily committed for personal gain and acts arising primarily from prior personal relationships between perpetrator(s) and victim(s) shall not be considered terrorist acts. Terrorist act also includes any act, which is verified or recognised by the (relevant) government as an act of terrorism. Page 3 of 20 (TR )

4 41. Third Degree Burns means:- a condition diagnosed by a Medical Practitioner in which the skin has been damaged or destroyed to its full depth and there is damage to the tissue beneath. 42. Travel Companion means:- the person who is accompanying the Insured Person, other than the tour guide or the tour staff member, during the whole Insured Journey and is also insured with the Company under the same Insured Journey. 43. Travel Agent means:- the travel agent who is legally licensed in the Registrar of Travel Agents under the Travel Agents Ordinance of Hong Kong, but excluding a travel agent who is the Insured Person or an Immediate Family Member of the Insured Person. 44. Travel Document means:- passport, Hong Kong Identity Card, travel visa, other documents or permit of the Insured Person which necessary for immigration clearance during the Insured Journey. 45. Transport Ticket means:- a transport ticket of the Insured Person purchased for travelling on any Public Common Carrier for the Insured Journey. 46. The Company means:- Dah Sing Insurance Company (1976) Limited. DESCRIPTION OF COVER SECTION (1): PERSONAL ACCIDENT COVER In the event that the Insured Person suffers from Bodily Injury resulting from an Accident during the Insured Journey, the Company will pay up to the Maximum Benefits as stated in the Summary of Benefits in accordance with the percentage stated in the Compensation Table hereunder, but only to the extent and if such Bodily Injury results in loss within twelve (12) consecutive months after the date of the Accident. Compensation Table Event of Accidental Death & Disablement % of Maximum Benefit 1) Accidental Death 100% 2) Permanent Total Disablement 100% 3) Loss of two limbs or sight of both eyes 100% 4) Permanent total Loss of Speech and hearing 100% 5) Loss of one or sight of one eye 50% 6) Permanent total Loss of Speech 50% 7) Permanent total Loss of Hearing 50% If more than one of the events listed above are applicable in respect of the same Accident, only the event with the highest compensation will be payable under Section (1) and in any event shall not exceed the Maximum Benefit stated in the Summary of Benefits. When a limb or organ which has been partially disabled prior to the Accident covered under this Policy, and which become totally disabled as a result of such Bodily Injury, the Percentage of Maximum Benefit payable shall be determined by the Company having regard to the extent of disablement caused by the Bodily Injury. No compensation is payable in respect of loss of a limb or organ which is totally disabled prior to the Accident. Under Section (1), the Company also covers any Bodily Injury sustained by the Insured Person while: a) the Insured Person is traveling directly from the Principal Home or place of regular employment in Hong Kong to Hong Kong Immigration Department control point within three (3) hours before the Insured Person s scheduled departure time of the Public Common Carrier in which the Insured Person has arranged to travel for the purpose of commencement of the Insured Journey. b) the Insured Person is traveling directly from Hong Kong Immigration Department control point to the Principal Home or place of regular employment within three (3) hours after the Insured Person s actual arrival time of the Public Common Carrier in which the Insured Person has arranged to travel for returning to Hong Kong from the Insured Journey. In the case of disappearance of the Insured Person: if the Insured Person cannot be located within one (1) year after the date of disappearance due to sinking or wrecking of an aircraft or other Public Common Carrier either on land or at sea in which the Insured Person was traveling at the time of the Accident during the Insured Journey and under such circumstances as would otherwise be covered hereunder, it will be presumed that the Insured Person has suffered an Accidental death covered by this Policy at the time of such disappearance, sinking or wrecking. Page 4 of 20 (TR ) Extensions applicable to Section (1): 1.1) Extra Personal Accident Cover The Maximum Benefit payable will increase by 50% of the Maximum Benefit of Section (1) as stated in the Summary of Benefit in the event of the Insured Person s Accidental death or Permanent disablement within twelve (12) consecutive months after the date of Accident and subject to the Maximum Benefit of Section (1.1) stated in the Summary of Benefit whilst the Insured Person is: 1.1.1) riding solely as a fare-paying passenger (not as operator, pilot or crew member) in or on, boarding or alighting from a Public Common Carrier during the Insured Journey; or 1.1.2) being an innocent victim in a robbery or attempted robbery during the Insured Journey. 1.2) Burns Cover In the event of Accident occurred during the Insured Journey in which the Insured Person sustains Third Degree Burns, provided that assessment of such Third Degree Burns is certified by a Medical Practitioner with written medical reports and full diagnosis. The Company will pay the benefit as stated in the Compensation Table below and subject to the Maximum Benefit of Section (1.2) stated in the Summary of Benefit. Compensation Table Third Degree Burns % of Maximum Benefit Head a) on 12% or more of total head surface area 100% b) on 8% or more but less than 12% of total head 75% surface area c) on 5% or more but less than 8% of total head surface area 50% Body (Excl. Head) a) on 20% or more of total body surface area 100% b) on 15% or more but less than 20% of total body 75% surface area c) on 10% or more but less than 15% of total body surface area 50% 1.3) Loss of Income If the Insured Person sustain Bodily Injury during the Insured Journey and upon the Insured Person returning to Hong Kong, the Insured Person is incapacitated by such Bodily Injury from engaging in his/her usual gainful occupation as certified by a Medical Practitioner for seven (7) consecutive days, the Company will pay the weekly income benefit of HK$1,000 for each full consecutive seven (7) days period (one (1) week). The maximum compensation period is limited to twelve (12) weeks and up to the Maximum Benefit of Section (1.3). No indemnity payment shall be made for the first six (6) days of incapacity in performing the occupation after the Insured Person has returned to Hong Kong. Maximum Liability of Section (1): If the Insured Person is under eighteen (18) or over seventy-five (75) years old upon the commencement of the Insured Journey, the maximum amount payable, subject to the Percentage of Maximum Benefit stated in the above Compensation Tables, shall be limited to 50% of the Benefits. This however does not apply to Section (1.1) for which the Insured Person is not entitled to any Benefit. The maximum amount payable for all benefits including the extensions under this Section shall in aggregate not exceed 100% of the Maximum Benefit of Section (1) as stated in the Summary of Benefits. If any individual is insured under multiple policies which contain Accidental death and Permanent disablement covers and are issued by the Company, the maximum liability of the Company in respect of any one individual life under all Accidental death and Permanent disablement covers shall not exceed HK$5,000,000 (or HK$2,500,000 for Insured Person aged under eighteen (18) or over seventy-five (75)) in aggregate and each relevant policy shall bear a proportionate share of the total loss. Exclusion to Section (1): Section (1) under this Policy does not cover: a) any loss caused by an Injury or otherwise which is a consequence of any kind of disease and/or Sickness. b) Section (1.1) is not applicable to Insured Person aged under eighteen (18) or over seventy-five (75) years old upon the commencement of the Insured Journey.

5 c) Section (1.3) is not applicable to Insured Person who is unemployed, retired or self-employed. d) Section (1.3) is not applicable to Insured Person who failed to submit an official or legal documentation issued by his/ her employer to prove his/her employment status. e) Section (1.3) is not applicable to Insured Person who failed to obtain a written medical report form the Medical Practitioner certifying that the Insured Person is unable to work in his/her gainful occupation. SECTION (2): MEDICAL EXPENSES COVER The Company will reimburse the actual Medically Necessary Expenses reasonably incurred during the Insured Journey outside Hong Kong arising from Bodily Injury or Sickness up to the Maximum Benefit as stated in the Summary of Benefits. Extensions applicable to Section (2): 2.1) Overseas Transportation for Medical Treatment The Company extends to reimburse the transportation expenses outside Hong Kong incurred necessarily and unavoidably for medical treatment arising from Bodily Injury or Sickness during the Insured Journey up to the Maximum Benefit stated in the Summary of Benefit. 2.2) Overseas Hospitalisation / Quarantine Cash Benefit 2.2.1) In the event that the Insured Person is Confined in a Hospital during the Insured Journey outside Hong Kong arising from Bodily Injury or Sickness; or/and 2.2.2) In the event that the Insured Person is Compulsorily Quarantined by national, regional or government or relevant authority at the scheduled destination or during the Insured Journey due to suspected or confirmed contraction of Infectious Disease; In the event that more than one Compulsory Quarantine has been arisen as a result of the same Insured Journey, the maximum amount payable under Section (2.2) shall not exceed the Maximum Benefit stated in the Summary of Benefit in aggregate ) If, upon the completion of the Hospital Confinement stated in Section (2.2.1), that Insured Person requires further Confinement for the same Bodily Injury or Sickness after the Insured Person return to Hong Kong. The Company will pay the Insured Person a daily cash allowance of the limit stated in the Summary of Benefit of Section (2.2) up to the Maximum Benefit stated in the Summary of Benefit. 2.3) Medical Treatment in Hong Kong The Company extends to reimburse the actual Medically Necessary Expenses charged by Medical Practitioner in Hong Kong for the medical treatment sought by the Insured Person for such Bodily Injury or Sickness up to the Maximum Benefit of Section (2.3) either: ) before the Insured Person s arrival to the planned destination during the Insured Journey; and/or 2.3.2) within three (3) months after the Insured Person s return to Hong Kong as the follow-up treatment by the western Medical Practitioner provided that the Medically Necessary Expenses have been incurred overseas for the same Bodily Injury or Sickness; and/or the Medically Necessary Expenses paid to Chinese Medicine Practitioner, subject to an aggregate limit as stated in the Summary of Benefit and daily limit per visit of HK$ ) Medical Equipment The Company extends to reimburse the actual purchasing cost of Medical Equipment which is certified by a Medical Practitioner as being medically necessary to improve an Insured Person s condition resulting from a Bodily Injury or Sickness sustained during the Insured Journey, up to the Maximum Benefit of Section (2.4). 2.5) Trauma Counselling If during the Insured Journey, an Insured person is the victim of a traumatic event and sustains Bodily Injury or is diagnosed as suffering from a post-traumatic stress disorder by a Medical Practitioner due to that traumatic event, the Company will reimburse the necessary expenses for counselling service incurred (i) during the Insured Journey; and /or (ii) within three (3) months after the Insured Person s return to Hong Kong, subject to an aggregate limit as stated in the Summary of Benefit and a per visit and per daily limit of HK$2,000. Maximum Liability of Section (2): If the Insured Person aged over seventy-five (75) years old upon the commencement of the Insured Journey, the maximum amount the Company will pay is 50% of the Maximum Benefit as stated in the Summary of Benefits. The maximum amount payable for all benefits including the extensions under this Section shall not in aggregate exceed 100% of the Maximum Benefit of Section (2) as stated in the Summary of Benefits. Exclusion to Section (2): Section (2) under this Policy does not cover: a) any non-essential medical treatment; b) any additional cost of single or private room at a Hospital; c) any charges in respect of special or private nursing; d) non-medical personal services such as radio, telephone and the like; e) the cost of prostheses, contact lenses, spectacles, hearing aids, dentures and other medical equipment or optical treatment, unless it is claimable Medical Equipment under Section (2.4); f) any claim if the Insured Person is traveling against the advice of a Medical Practitioner or for the purpose of obtaining surgical or medical treatment; g) dental care and treatment unless such expense is necessarily incurred due to the necessary dental treatment of the sound and natural teeth of the Insured Person as a direct result of Bodily Injury occurred during the Insured Journey; h) cosmetic surgery, refractive errors of eyes or hearing-aids, and any relevant prescriptions except necessitated by Bodily Injury occurred during the Insured Journey; i) any surgery or medical treatment which is not evidenced by a written report from a Medical Practitioner; j) any surgery or medical treatment which in the opinion of the Medical Practitioner treating the Insured Person and the Medical Practitioner appointed by the Company can be reasonably delayed until the Insured Person returns to Hong Kong; k) any follow-up medical treatment paid to the Chinese Practitioner who is the Insured Person or Immediate Family Member; l) any medical treatment provided by health spa, convalescent or nursing home or any rehabilitation centre. m) the post-traumatic stress disorder is not as a direct result of the traumatic event. SECTION (3): COMPASSIONATE DEATH CASH BENEFIT If the Insured Person dies during the Insured Journey, the Company will pay the Insured Person s estate an immediate cash benefit up to the Maximum Benefit as stated in the Summary of Benefits. SECTION (4): WORLDWIDE EMERGENCY ASSISTANCE In the event that the Insured Person outside Hong Kong suffers Bodily Injury or Sickness during the Insured Journey, the Company will pay or provide the following benefits rendered by the service provider nominated by the Company: 4.1) Hospital Admission Guarantee The guarantee of Hospital admission deposit up to a limit of HK$40,000, provided that the Confinement is duly approved by both the attending Medical Practitioner and the Company. Such deposit is to be borne by the Insured Person, unless otherwise covered under Section (2) Medical Expenses Cover. 4.2) Emergency Medical Evacuation The actual cost of transportation, medical services and medical supplies necessarily and unavoidably incurred as a result of an emergency medical evacuation if the Insured Person s condition must require immediate medical treatment which is not available in the place of Accident or sickness, emergency evacuation to the nearest appropriate medical facility will be arranged. The timing, means and final destination of evacuation will be decided by the Company and will be based entirely upon medical necessity. 4.3) Repatriation of Mortal Remains The reasonable and unavoidable expenses for transporting the Insured Person s mortal remains from the place of death back to Hong Kong, or the cost of local burial at the place of death as approved by the Company upon the death of the Insured Person caused by Bodily Injury or Sickness. 4.4) Compassionate Visit If a Medical Practitioner certifies that Bodily Injury or Sickness renders an Insured Person unfit to travel or continue with the Insured Journey or is danger to their life or health. The Company will pay, (i) One (1) economy class round-trip airfare, and (ii) Accommodation reasonably incurred for one (1) designated person to visit the Insured Person provided that the Insured Person is Confined in a Hospital outside Hong Kong over three (3) consecutive days. This coverage can only be utilised once during any one Insured Journey. Page 5 of 20 (TR )

6 4.5) Accommodation for Convalescence The additional Accommodation expenses necessarily and unavoidably incurred by the Insured Person, for the sole purpose of convalescence immediately following his/her discharge from the Hospital, and if deemed medically necessary by both attending Medical Practitioner and the Company. 4.6) Return of Unattended Children A one-way economy class airfare up to the Maximum Benefits as stated in the Summary of Benefits for returning the Insured Person s dependent child(ren) aged under eighteen (18) years who is/are left unattended back to Hong Kong in the event of death or Confinement of the Insured Person in a Hospital outside Hong Kong due to Serious Medical Condition. If necessary, the Company will also arrange a qualified attendant to accompany the unattended child(ren) on the return journey. 4.7) Travel Information Service i) Update immunization and inoculation requirement and needs ii) Passport and Visa requirements iii) Consulate and embassies addresses and contact numbers iv) Legal referral v) Arrangement of interpreter services vi) Worldwide Weather information vii) Lost luggage retrieval viii) Lost passport assistance ix) Emergency rerouting arrangements x) Transmission of urgent messages for medical reasons xi) Children escort assistance Maximum Liability of Section (4): The maximum amount payable for all benefits including the extensions under this Section shall not in aggregate exceed 100% of the Maximum Benefit of Section (4) as stated in the Summary of Benefits. Exclusion to Section (4): Section (4) under this Policy does not cover: a) 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 the planned journey. b) any expenses for a service not approved and arranged by the service provider and the Company. SECTION (5): PERSONAL BELONGINGS COVER In the event of Accidental loss of or damage to the Insured Person s Personal Belongings and/or Camera which are worn or carried, and owned by the Insured Person during the Insured Journey, the Company will pay up to the Maximum Benefits subject to the sub-limit per item/ set/ item as stated in the Summary of Benefit. The Company will pay at its absolute of discretion reinstate, repair or replace the article, subject to due allowance for wear and tear, and depreciation. If any article is proven to be beyond economic repair, a claim will be dealt as the article had been lost. Extensions applicable to Section (5): 5.1) Loss of Personal Money In the event the Insured Person suffers from loss of Personal Money belonging to and being carried by the Insured Person or in a locked hotel room due to robbery, burglary or theft occurring during the Insured Journey, the Company will reimburse the Insured Person up to the Maximum Benefit as stated in the Summary of Benefit. 5.2) Loss of Travel Document or Transport Ticket In the event the Insured Person suffers from Accidental loss of Travel Document or Transport Ticket during the Insured Journey, the Company will pay the relevant replacement cost up to the Maximum Benefit as stated in the Summary of Benefits. Under Section (5.2), the Company extends to cover additional traveling expenses and/or Accommodation expenses incurred reasonably to the Insured Person for the sole purpose of continuation of the Insured Journey, subject to an aggregate as stated in the Summary of Benefits and daily limit of Accommodation, provided that the traveling class and/or the room type for the Accommodation shall not be better than the traveling class and/or the room type for the Accommodation originally arranged. Exclusion to Section (5.2) Section (5.2) under this Policy does not cover: a) loss of any Travel Document and/or Transport Ticket which is not necessary to complete the Insured Journey; b) any fine or penalties incurred due to non-replacement or late replacement of the Travel Documents by the Insured Person; c) 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 only one version. Maximum Liability of Section (5): The maximum amount payable for all benefits including the extensions under this Section shall not in aggregate exceed 100% of the Maximum Benefit of Section (5) as stated in the Summary of Benefits. Exclusion to Section (5): Section (5) under this Policy does not cover: a) loss not reported to the local police, or hotel management, or the operator of the Public Common Carrier, or public authority within twenty-four (24) hours from the occurrence of the incident and for which a relevant written report is not obtained at the place of loss; b) the following classes of property: business goods or sample, foodstuffs and/or medicine, contact lenses, dentures and/or its appliances, animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, any other conveyances, household furniture, antiques, jewellery or accessories (that is not being worn or carried by the Insured Person at the time of loss of damage), mobile phone and any device with telephoning function (including PDA phone and other accessories), plastic money (including the credit value of credit card, Octopus cards, etc.), coupons or securities, bonds, negotiable instruments, tickets or documents; c) portable computer with any problems or defects triggered from software and malicious code(including but not limited to software downloading); d) where receipts of the items being claimed are not under Insured Person s name; e) any loss or damage caused by wear, tear, gradual deterioration, mechanical or electrical failure, 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 any of its resulting loss or damage; f) any loss of property not being on the same Public Common Carrier of the Insured Person, or souvenirs and articles mailed or shipped separately; g) any loss of or damage to property which resumes to function normally after it has been fixed or repaired by a third party without additional costs incurred to the Insured Person; h) any loss of data recorded on tapes, cards, diskettes; i) damage to any brittle or fragile items like glass or crystal; j) 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 a hotel or Public Common Carrier; k) any loss claimed under Section (6) - Baggage Delay Cover arising from the same cause; l) any loss of or damage to property insured under any other insurance, or otherwise reimbursed by Public Common Carrier or a hotel; m) loss of golf balls unless contained in the golf bag which is lost at the same time; n) any unexplained loss or mysterious disappearance, or shortage due to error, omission, exchange or depreciation in value; o) damage to any sports equipment while in use; p) any loss of property left unattended in a vehicle (except locked in the trunk) or Public Common Carrier, in transit or in public place q) as a result of the Insured Person s failure to take due care and precautions for the safeguard and security of such property; r) any hired or leased equipment; s) any loss or damage due to confiscation or detention or destruction by customs or any other authority. SECTION (6): BAGGAGE DELAY COVER In the event the Insured Person s checked-in baggage being delayed by a Public Common Carrier for over six (6) hours after the Insured Person arrives at the planned destination outside Hong Kong, the Company will pay the actual cost of emergency purchase of essential clothing or toiletries by the Inured Person up to the Maximum Benefit as stated in the Summary of Benefits, provided that a written confirmation from the Public Common Carrier on the number of hours and the reason of such delay must be obtained. Page 6 of 20 (TR )

7 Maximum Liability of Section (6): The maximum amount payable under Section (6) shall not exceed the Maximum Benefit as stated in the Summary of Benefits. The Company will pay under Section (6) once only for the Insured Journey. Exclusion to Section (6): Section (6) under this Policy does not cover: a) any baggage of the Insured Person not being on the same Public Common Carrier of the Insured Person, or souvenirs and articles mailed or shipped separately; b) any claim(s) under Section (5) Baggage and Personal Belongings Cover arising from the same cause; c) any loss for which the Insured Person fails to submit the receipt(s) for the relevant purchase; SECTION (7): TRAVEL DELAY COVER In the event that the scheduled Public Common Carrier in which the Insured Person has arranged to travel is delayed as a result of unexpected outbreak of industrial action, Riot, civil commotion, Terrorist Act, hijack, adverse weather conditions, natural disaster, mechanical or electrical breakdown of the Public Common Carrier, airline winding up or closure of airport, the Company will pay up to the Maximum Benefit as stated in the Summary of Benefits Section (7):- 7.1) Travel Delay Cash Benefit In the event that the scheduled Public Common Carrier is delayed for at least five (5) consecutive hours from the departure or arrival time specified in the Insured Person s original itinerary, the Company will pay HK$300 for first five (5) consecutive hours of delay, then HK$600 for each of the following full ten (10) consecutive hours of delay, up to Maximum Benefit as stated in the Summary of Benefits Section (7.1). Departure or arrival delay will be calculated from the original scheduled departure or arrival time specified in the itinerary provided by the scheduled Public Common Carrier to the Insured Person until the actual departure or arrival time of either a) the original transportation of that schedule Public Common Carrier or b) the first available alternative transportation offered by that scheduled Public Common Carrier. 7.2) Additional Accommodation In the event that the outward or transit journey of the scheduled Public Common Carrier in which the Insured Person has arranged to travel outside Hong Kong is delayed for at least six (6) consecutive hours from the time specified in the Insured Person s original itinerary, the Company will pay the additional, reasonable and irrecoverable Accommodation expenses incurred outside Hong Kong, up to the Maximum Benefit as stated in the Summary of Benefits Section (7.2). 7.3) Additional Transportation In the event that the scheduled Public Common Carrier in which the Insured Person has scheduled to travel is cancelled as a consequence of the scheduled Public Common Carrier being delayed for at least six (6) consecutive hours after the Insured Person s check-in, and that the operator of scheduled Public Common Carrier fails to arrange an alternative transportation, the Company will pay up to the Maximum Benefits as stated in Summary of Benefits Section (7.3) for the additional costs of Transport Ticket (economy class only) incurred by the Insured Person to reach the planned destination as specified in his/her original itinerary by an alternative means of Public Common Carrier. This benefit can only be utilized once during the Insured Journey. 7.4) Forfeited Travel Expenses The Company will reimburse the paid and forfeited cost of Transport Ticket, Accommodation, group tour fees, admission fees of overseas sports, musical or other performance events up to the Maximum Benefit as stated in the Summary of Benefits Section (7.4), if the scheduled Public Common Carrier depart from Hong Kong was delayed for at least twenty-four (24) consecutive hours, resulting that the Insured Person decides to cancel the Insured Journey. Maximum Liability of Section (7): The maximum amount payable for all benefits including the extensions under this Section shall not in aggregate exceed 100% of the Maximum Benefit of Section (7) as stated in the Summary of Benefits. Exclusion to Section (7): Section (7) under this Policy does not cover: a) any loss arising from the late arrival of an Insured Person at any point of departure stated in the Insured Person s original itinerary for the Insured Journey, other than late arrival due to unexpected outbreak of industrial action during the Insured Journey; b) any consequential loss or consecutive flights following, each period of delayed hours are accumulated and/or the proximate cause of the delay not directly due to the same delay reason. c) any consequential loss as result of the preceding Public Common Carrier arrival delayed that causes delays/ misconnections of subsequent Public Common Carrier in which the Insured Person has arranged to travel. d) any expense which an Insured Person is not legally obliged to pay; e) any circumstances leading to the relevant delay of the Insured Journey which is existing or announced before the Effective Date; f) any loss in relation to alternations to schedules that is not verified by the operator of the Public Common Carrier, Travel Agent or other relevant parties; g) any loss covered by any other insurance scheme, government program or which has been/will be paid or refunded by Travel Agent, tour operator, the operator of the Public Common Carrier or other services providers forming part of the scheduled and booked itinerary except Section (7.1) Travel Delay Cash Benefit; h) in respect of any loss claimed under Section (8) Trip Cancellation Cover and/or Section (9) Trip Curtailment Cover arising from the same cause. i) if Insured Person who failed to obtain an official document(s) of the Public Common Carrier which stated the time duration and reason of delay. SECTION (8): TRIP CANCELLATION COVER The Company will pay up to the Maximum Benefits as stated in the Summary of Benefits for the loss of unused Transport Ticket, Accommodation, group tour fees, admission fees of overseas sports, musical or other performance events which have been paid in advance or forfeited and for which the Insured Person is legally liable and not otherwise covered from any other sources, in the event that the Insured Person has to cancel the Insured Journey necessitated by the occurrence of any of the followings:- After the Effective Date: Travel Agent or the operator of the Public Common Carrier, in which the Insured Person has arranged to travel between Hong Kong and the planned destination, is publicly announced bankrupt or winding up. After the Effective Date and within sixty (60) days before the scheduled departure date of Insured Journey: Death or Serious Medical Condition of the Insured Person, his/her Immediate Family Members or Close Business Partner; Death or Serious Medical Condition which does lead to Confinement of Travel Companion; Jury service or witness summons of the Insured Person; After the Effective Date and within seven (7) days before the scheduled departure date of the Insured Journey: Compulsory Quarantine of the Insured Person; serious damage to the Insured Person s Principal Home in Hong Kong arising from fire, flood or burglary which requires the Insured Person s continued presence in Hong Kong; unexpected outbreak of industrial action, Riot, civil commotion, Terrorist Act, natural disasters, or closure of airport at the planned designated cities of the Insured Journey; issuance of the Black Outbound Travel Alert towards the planned destination of the Insured Journey by the Hong Kong Government, with at least one (1) day after the Effective Date (for Single Trip Plan) or the date stated on the receipt regarding the planned journey (for Annual Travel Plan) and the Outbound Travel Alert is still in force (notwithstanding General Exclusions 12). After the Effective Date and within twenty-four (24) hours before the scheduled departure date of the Insured Journey: issuance of the Red or Amber Outbound Travel Alert towards the planned designated cities of the Insured Journey by the Hong Kong Government, with at least one (1) day after the Effective Date (for Single Trip Plan) or the date stated on the receipt regarding the planned journey (for Annual Travel Plan) and the Outbound Travel Alert is still in force (notwithstanding General Exclusions 12). Section (8) extends to cover the irrecoverable admission fees of overseas sport, musical or other art performance paid by the Insured Person s or Travel Companion s credit card prior to the commencement of the Insured Journey or the occurrence of any of the conditions mentioned-above, Page 7 of 20 (TR )

8 whichever is the earliest. Maximum Liability of Section (8): The maximum amount payable under Section (8) shall not exceed the Maximum Benefits as stated in the Summary of Benefits. SECTION (9): TRIP CURTAILMENT COVER The Company will pay up to the Maximum Benefits as stated in the Summary of Benefits for the loss of unused Transport Ticket, Accommodation expenses, group tour fees, admission fees of overseas sports, musical or other performance events which have been paid in advance and for which the Insured Person is legally liable and not otherwise covered from any other sources, in the event that the Insured Person has to abandon the Insured Journey and directly return to Hong Kong, or any additional actual cost of Transport Ticket and Accommodation reasonably and necessarily incurred consequent upon the curtailment of the Insured Journey, due to the occurrence of any of the followings: i) Travel Agent or the operator of the Public Common Carrier, in which the Insured Person has arranged to travel between Hong Kong and the planned destination, is publicly announced bankrupt or winding up; ii) death, Serious Medical Condition of the Insured Person, his/her Immediate Family Members or Close Business Partner or Travel Companion; iii) serious damage to the Insured Person s Principal Home in Hong Kong arising from fire, flood or burglary; iv) curtailment due to unexpected outbreak of industrial action, Riot, civil commotion, Terrorist Act, hijack, adverse weather conditions, natural disasters, or closure of airport at the planned designated cities which prohibits the Insured Person from continuing with his/her scheduled Insured Journey; v) issuance of the Black Outbound Travel Alert towards the planned designated cities by the Hong Kong Government (notwithstanding General Exclusions 12). Curtailment expenses payable in relation to the amount of Transport Ticket, Accommodation, group tour fees forfeited will be calculated in proportion to the number of days remaining after the relevant interruption of the Insured Journey. The Insured Person can only claim for either the forfeited expenses for the Insured Journey or additional Transport Ticket and Accommodation expenses incurred for the curtailment. Maximum Liability of Section (9): The maximum amount payable under Section (9) shall not exceed the Maximum Benefits as stated in the Summary of Benefits. Exclusions to Section (8) and Section (9): Section (8) and Section (9) under this Policy do not cover: a) any Pre-existing Medical Condition; b) any loss directly or indirectly arising from any government s regulations control or act, error, omission or default of any Travel Agent, tour operator, Public Common Carrier and/or other provider of any service forming part of the booked itinerary; c) any loss directly or indirectly arising from failure to notify the Travel Agent, 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; d) any loss in relation to cancellations or curtailments to schedules that is not verified by the operator of the Public Common Carrier, Travel Agent or other relevant organizations; e) any loss which will be paid or refunded by any existing insurance scheme, government programme, Public Common Carrier, Travel Agent or any other provider of transportation and/or Accommodation; f) where there is failure to obtain a written medical report from the Medical Practitioner; g) 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; h) 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) - Trip Curtailment Cover only); i) any loss directly or indirectly arising from disinclination to travel or financial circumstances of the Insured Person or Travel Companion; j) any training or studying courses fee and/or deposits paid; k) where Travel Agent, or tour operator, or Public Common Carrier is owned or jointly owned by the Insured Person, his/her Immediate Family Member or Travel Companion; l) any loss claimed under Section (7) Travel Delay Cover arising from the same cause. SECTION (10): PERSONAL LIABILITY COVER The Company will indemnify the amount which the Insured Person becomes legally liable to pay as compensation for an Accident occurring during the Insured Journey which causes death, injury to a third party or damage to property of a third party. 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 the Company s prior written approval. Maximum Liability of Section (10): The maximum amount payable under Section (10) in respect of any one occurrence or series of occurrences consequent upon one source or an original cause and in aggregate during the Insured Journey shall not exceed the Maximum Benefit as stated in the Summary of Benefits inclusive of any legal costs and expenses awarded against or incurred by the Insured Person with the Company s written approval. Exclusion to Section (10): Section (10) under this Policy does not cover: a) any liability incurred if the Insured Person 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; b) liability related to any business, profession or trade; c) any willful, malicious or unlawful act of the Insured Person or any criminal acts; d) liability to any person who is the Immediate Family Member, relatives, Travel Companion, employer or employee of the Insured Person; e) contractual liability; f) liability to ownership, possession, use or control of any vehicle, aircraft, watercraft, land, buildings, firearms or animals; g) damage to property owned by or held in trust or in the custody of the Insured Person or his/her Immediate Family Member, Travel Companion, relatives, employee or employer of the Insured Person; h) any cumulative, punitive or vigilant payment sentenced by the court. SECTION (11): LOSS OF HOME CONTENTS COVER In the event the Insured Person suffers from loss of or damage to the Home Contents within the Insured Person s Principal Home which is uninhabited during the Insured Journey as a direct result of burglary involving the use of forcible and violent entry to or exit from the premises, the Company will reimburse such loss or damage up to the Maximum Benefit as stated in the Summary of Benefits provided that such loss must be reported to the police and the relevant written documentation and report from the police must be obtained. The Company may make payment or at its options to reinstate or repair the article, pair or set of articles subject to due allowance for wear and tear, and depreciation. Maximum Liability of Section (11): The maximum amount payable under Section (11) shall not exceed the Maximum Benefits and subject to the sub-limit stated in the Summary of Benefits. Exclusion to Section (11): Section (11) under this Policy does not cover: a) the Insured Person s Principal Home in Hong Kong which is unoccupied for more than thirty (30) days from or prior to commencement of the Insured Journey; b) any loss of or damage to bonds, bills of exchange, cash, coins, cheques, jewellery or accessories, promissory notes, postal or money orders, record or book or similar tokens, luncheon vouchers or other coupons, stored value cards, credit cards, deeds, documents of title, manuscripts, medals, passports, stamps, share certificates, contact or corneal lenses, mobile telephones, Transport Tickets, foodstuffs, animals and motor vehicles (including accessories), motorcycles, boats, motors, any other conveyances, loss of data recorded on tapes, cards, diskettes or otherwise; c) any loss not reported to the police within twenty-four (24) hours after the Insured Person returns to Hong Kong from the Insured Journey and a police report for such loss not having been obtained; d) shortage due to error, omission, exchange or depreciation in value; Page 8 of 20 (TR )