Section 1 Medical and Related Expenses Maximum Limit per Insured Person (a) Insured Person aged up to 70 $1,000,000 $500,000 (b) Insured Person aged o

Transcription

1 AXA General Insurance Hong Kong Limited 23/F, One Kowloon, 1 Wang Yuen Street Kowloon Bay, Kowloon, Hong Kong ( 6 * : (852) (852) axagi@axa.com.hk Policy SmartTraveller Policy coverage attaching to and forming part of Policy of Insurance Welcome to your AXA General Insurance Hong Kong Limited SmartTraveller Insurance Policy. Your Policy consists of the proposal form (if any) the Policy wording in this jacket the Policy Schedule/Certificate of Insurance Your Policy Schedule/Certificate of Insurance shows details of your cover the period of insurance any special terms that may apply to your Policy Following payment of the premium stated in the Policy Schedule/Certificate of Insurance We will, in the event of Accident, Injury or loss happening during the period of insurance, provide insurance as described in the following pages for those Sections you have chosen. Please read this jacket together with your Policy Schedule/Certificate of Insurance to make sure you know what cover is provided. Definitions Certain words in the Policy have specific meanings. These words have the same meaning wherever they are used in the Policy or the Policy Schedule/Certificate of Insurance or subsequently endorsed hereon. These are given below or defined at the beginning of the appropriate Section. Accident means a sudden unforeseen and fortuitous event. Child/Children means dependent and unmarried child/children who is/are aged between 30 days and under 18 years old on the commencement date of this Policy as named in the Policy Schedule/Certificate of Insurance. Close Business Partner means a business companion who travels with the Insured Person for the same business purpose, and whose presence is necessary for the Insured Person s business. Compulsory Quarantine means the Insured Person is being confined in an isolated ward of a Hospital or an isolated site appointed by the government for at least 24 hours and continuously stays in there until discharged from the quarantine. Family means Insured Person, his/her spouse and Children (irrespective of the number) travelling with the Insured Person and/or his/her spouse for the entire period. Hong Kong means the Hong Kong Special Administrative Region. Hospital An establishment which meets all the following requirements: holds a license as a Hospital (if licensing is required in the state or governmental jurisdiction); operates primarily for the reception, care and treatment of sick, ailing or injured persons as in-patients; provides 24-hour a day nursing service by registered or graduated nurses; has a staff one or more licensed physicians available at all times; provides organized facilities for diagnosis and major surgical facilities; and is not primarily a clinic, nursing, rest or convalescent home or similar establishment, a place for alcoholics or drug addicts. Immediate Family Member means the Insured Person s spouse, parent, parent-in-law, grandparent, grandparent-in-law, son, daughter, brother, sister, grandchild or legal guardian. Infectious Disease means any kinds of Infectious Disease which are publicly announced and require quarantine by the government. Injury means bodily Injury sustained by an Insured Person and caused solely and directly by an Accident and does not include any illness or naturally occurring medical conditions or degenerative process. Insured/Policyholder means individual or business entity/company who owns the insurance Policy. Journey means travel originating from Hong Kong and ceasing when the Insured Person returning and re-entering into Hong Kong. Loss of Hearing means Permanent irrecoverable Loss of Hearing rendering the Insured Person absolutely deaf in both ears irremediable by surgical or other means of treatment. Limb means refers to a hand or foot. Loss of Limb means complete severance at or above the wrist or ankle joint or the total and Permanent functional disablement of an entire hand, arm, foot or leg. Loss of Sight means the total and irrecoverable Loss of all sight of an eye rendering the Insured Person absolutely blind in that eye beyond remedy by surgical or other treatment. Loss of Speech means the disability in articulating any three of the four sounds which contribute to the speech such as the Labial sounds, the Alveololabial sounds, the Palatal sounds and the Velar sounds or total loss of vocal cord or damage of speech centre in the brain resulting in Aphasia rendering the Insured Person absolutely Loss of Speech beyond remedy by surgical or other treatment. Loss of Use means total functional disablement and is treated like the total loss of said Limb or organ. Member Insured/Insured Person means the Insured Person(s) named in Policy Schedule/ Certificate of Insurance. In the case where the Insured is a business entity/company, they are to be interpreted as Insured Employee(s) so long as they are named in the Policy Schedule/ Certificate of Insurance. Permanent means lasting 12 consecutive months from the date of Accident and at the expiry of that period being beyond hope of improvement. Permanent Total Disablement means when as the result of Injury and commencing within 12 consecutive months from the date of the Accident, the Insured Person is totally and permanently disabled and prevented from engaging in or attending any business or occupation. If the Insured Person has no employment or occupation at the time of Injury, Permanent Total Disablement means the inability to perform to all of the daily activities in his/her daily life. Provided such disability has continued for a period of 12 consecutive months and certified by a Qualified and Licensed/Registered Medical Practitioner to be total, continuous and Permanent for the remainder of the Insured Person s life. Public Common Carrier means any mechanically propelled conveyance operated by a company or an individual licensed to carry passengers for hire which include aeroplane, bus, coach, ferry, hovercraft, hydrofoil, ship, train, tram or underground train only. Qualified and Licensed/Registered Medical Practitioner means a medical practitioner qualified by a medical degree and duly licensed or registered to practice medicine and who, in rendering such treatment (surgery or medical procedures for the sole purpose of cure or relief of Injury), is practicing within the scope of his or her licensing and training in the geographical area of practice. Travel Companion means the person who commited or arranged the travel booking or reservation together with the Insured Person and accompanied the Insured Person for the whole Journey and is also insured with Us under the same Journey other than the tour guide or the tour member. We, Us or Our means AXA General Insurance Hong Kong Limited. Geographical Limits Cover is provided on worldwide basis. This Policy is only valid for travel originating from Hong Kong, unless specify otherwise under the Policy Schedule/Certificate of Insurance. Operation of Insurance (1) For all Sections (except for Section 6 Personal Money and Travel Documents and Section 9 Loss of Deposit or Cancellation of Trip stated as below), Journey refers to the period of insurance shown in the Policy Schedule/Certificate of Insurance. It commences when the Insured Person leaves his/her place of residence or business in Hong Kong (whichever is the earlier) to commence the Journey until the time of return to his/her place of residence or business in Hong Kong (whichever is the later) on completion of the Journey. In any event, unless specified otherwise, cover does not commence more than 24 hours prior to booked departure time and shall cease (i) upon the expiry of the period of insurance as specified in the Policy Schedule or (ii) 24 hours after booked return time to Hong Kong, or arrival at final destination, whichever is the earlier. (2) For Section 6 Personal Money and Travel Documents, Journey commences (i) at the time when the Policy Schedule/Certificate of Insurance is issued or (ii) 24 hours before the period of insurance shown in the Policy Schedule/Certificate of Insurance, whichever is the later. (3) For Section 9 Loss of Deposit or Cancellation of Trip, Journey is effective immediately the Policy Schedule/Certificate of Insurance is issued. (4) For Single Journey, cover is provided up to a maximum of 184 days. (5) For Annual Cover, cover is provided up to a maximum of 90 days with policy limits applied to each Journey, irrespective of the number of Journeys that are made within the policy period. Covers end at (i) the last day of the period of insurance or (ii) the ending of Insured Person s last Journey provided the Journey is started within the period of insurance, whichever is the later. Memorandum for One Way Cover (applicable to Single Journey Only) For Insured Person not returning to Hong Kong, cover terminates no later than 7 days from scheduled time of arrival at the country of final destination or expiry of the original declared period of insurance whichever is the earlier. Memorandum for Automatic 10 Days Extension (applicable to Single Journey Only) This Insurance will be automatically extended for a maximum period of 10 days without additional premium charged for such extension in the event that the Insured Person is unavoidably delayed in the course of the scheduled itinerary which was stipulated prior to departure. Memorandum for Insured Person Aged below 18 For any Insured Person aged below 18 and paying the full adult premium, the maximum limit per Insured Person under Section 1 will be increased to 100% of item (a) of the selected plan; and the accidental death benefit under Section 3 will be limited to 50% of the selected plan, and not as originally stipulated in Provisions (i) under Section 3. 安盛保險有限公司 AXA General Insurance Hong Kong Limited 卓越 優遊樂 SmartTraveller Insurance 24 小時全球緊急援助熱線 24-hour Worldwide Emergency Assistance Hotline 如需緊急支援, 請致電 For immediate assistance, please call (852)

2 Section 1 Medical and Related Expenses Maximum Limit per Insured Person (a) Insured Person aged up to 70 $1,000,000 $500,000 (b) Insured Person aged over 70 $500,000 $250,000 (c) Insured Child $250,000 $125,000 We will pay (1) the incurred medical, Hospital and treatment expenses including the cost of dental treatment (as a result of Accident only), necessarily incurred outside Hong Kong, within 12 consecutive months as from the date of incident giving rise to the claim as a direct result of accidental bodily Injury sustained or sickness contracted by the Insured Person during the Journey. (N.B. Chinese bone-setting, acupuncture, physiotherapy or chiropractic treatment are subject to an aggregate limit of $3,000 and a per visit per day limit of $200) (2) the incurred reasonable additional accommodation and travelling expenses (confined to economy class) incurred for a relative or friend required on medical advice to travel to or remain behind with the Insured Person as a result of the Insured Person s hospitalization. Sub-limit per Insured Person $40,000 $20,000 (3) the incurred reasonable additional accommodation and travelling expenses (confined to economy class) incurred to return dependent Children of the Insured Person who are on the same Journey as Insured Person back to the Insured Person s place of residence in Hong Kong who are left unattended as a result of the Insured Person s hospitalization. Sub-limit per Insured Person $40,000 $20,000 (4) the incurred guarantee of Hospital admittance deposit in the event of accidental bodily Injury sustained or sickness contracted by the Insured Person during the Journey and the Insured Person is admitted into a Hospital. Sub-limit per Insured Person $40,000 $40,000 (5) the reasonable costs incurred by the Insured Person in engaging the services of a local translator/interpreter in the Hospital where the Insured Person is confined caused by accidental bodily Injury or sickness, which occurred or was contracted abroad during the Journey, subject to the period of confinement exceeding 24 hours. Sub-limit per Insured Person $5,000 $5,000 Limit per day $500 $500 (6) the reasonable additional accommodation and travelling expenses necessarily incurred by the Insured Person in reverting to his/her original travel schedule/itinerary and/or rejoining his/her original Travel Companions following an interruption or disruption of that schedule/itinerary caused by accidental bodily Injury or sickness, which occurred or was contracted abroad during the Journey. Sub-limit per Insured Person $5,000 $3,000 (7) the necessary medical, Hospital and treatment expenses (including the cost of dental treatment as a result of Accident only, a private ambulance or professional home-nursing fees) reasonably incurred by the Insured Person in Hong Kong within 3 consecutive months after the Insured Person s return from abroad and such expenses having resulted from accidental bodily Injury or sickness which occurred or was contracted abroad during the Journey and which necessitated medical consultation whilst abroad. Sub-limit per Insured Person due to 100% of maximum limit of Section 1 accidental bodily Injury Sub-limit per Insured Person due to 10% of maximum limit of Section 1 sickness (N.B. Chinese bone-setting, acupuncture, physiotherapy or chiropractic treatment are subject to an aggregate limit of $3,000 and a per visit per day limit of $200) We will also pay: (8) a daily hospital cash benefit to any Insured Person who is admitted to Hospital outside Hong Kong for more than 24 hours as a result of an accidental bodily Injury or sickness which occurred or was contracted during the Journey. This benefit is also payable to any Insured Person who, upon return to Hong Kong, is admitted to Hospital in Hong Kong for more than 24 hours as a follow-up treatment. Sub-limit per Insured Person $5,000 $3,000 Limit per day $500 $300 (9) a daily Compulsory Quarantine cash benefit to any Insured Person in the event such Insured Person is being quarantined compulsorily due to contraction of Infectious Disease or suspicion of being contracted of Infectious Disease outside Hong Kong during the Journey or within 7 days upon completion of the Journey and returning to Hong Kong. This benefit can only be utilized once during any one Journey. PROVISIONS (i) The Compulsory Quarantine must be executed by local authorized health department or any regulatory authority. Voluntary quarantine and/or home quarantine shall be excluded. (ii) We will pay the daily benefit on each full 24 hours of Compulsory Quarantine. (iii) This benefit is only payable when the Infectious Disease has been rated at phase 5 or above under the Epidemic and Pandemic Alert and Response by the World Health Organization on or before the first day of Compulsory Quarantine of the Insured Person during the Journey, or the Hong Kong Government has activated the Government s Preparedness Plan for Influenza Pandemic to the highest level Emergency Response Level on or before the first day of Compulsory Quarantine of the Insured Person in Hong Kong. (iv) 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 Journey. AXA Assistance (IPA) Worldwide Alarm Centre 安盛全球緊急援助中心 Hong Kong 香港 Singapore 新加坡 Australia 澳洲 U.S.A. 美國 United Kingdom 英國 Sub-limit per Insured Person $5,600 $3,500 Limit per day $800 $500 (N.B. An Insured Person cannot claim under both benefit (8) and (9) for the same event) (10) the satellite phone call expenses reasonably incurred while on board a cruise during the Journey as a result of serious accidental bodily Injury sustained or serious illness contracted by the Insured Person or his/her Travel Companion which prevents the Insured Person from continuing the Journey, provided that the Insured Person must return directly to Hong Kong following such interruption. 1 failure to furnish an official receipt issued by the satellite phone service provider as proof of satellite phone call expenses incurred by the Insured Person. 2 failure to obtain and provide a written report from the Qualified and Licensed/ Registered Medical Practitioner certifying the serious bodily Injury or serious illness suffered by the Insured Person or his/her Travel Companion whilst on board the cruise. 3 such expense is covered by any other existing insurance scheme, government program, or which will be paid or refunded by a cruise, hotel, Public Common Carrier, travel agency or any other provider of travel and/or accommodation or such expenses is already included in the cost of a schedule Journey. 4 any circumstances leading to the disruption of his/her Journey known to have existed on or before the application date of this Policy (for Single Journey) or either before (i) the application date of this Policy or (ii) the date of booking the scheduled Journey (for Annual Cover). Sub-limit per Insured Person $3,000 $1,500 EXTENSIONS It is extended to cover (a) any additional travelling expenses (subject to a proof of receipt) up to a maximum of $500 incurred by the Insured Person for the purpose of seeking medical treatment in an overseas Hospital if the Insured Person suffers from accidental bodily Injury or sickness during the Journey. (b) any incurred necessary medical expenses charged by a Qualified and Licensed/Registered Medical Practitioner in Hong Kong within 3 consecutive months for the medical treatment even if the Insured Person has not incurred any medical expenses overseas, provided that the Insured Person contracted the Infectious Disease during the Journey and the Qualified and Licensed/Registered Medical Practitioner s diagnosis proved that the contraction happened during the Journey and the contraction is confirmed within 7 days after the Insured Person returns to Hong Kong. The total amount payable shall not exceed the sub-limit set under (7) stated as above. 1 Treatment or aid obtained in Hong Kong (except as specifically provided for in benefit (7), (8), (9) and extension (b) above). 2 Surgery or medical treatment which, in the opinion of the Qualified and Licensed/Registered Medical Practitioner treating the Insured Person, can be reasonably delayed until the Insured Person s return to Hong Kong or arrival in country of final destination for Insured Persons not returning to Hong Kong. 3 The additional cost of single or private room accommodation at a Hospital, clinic or nursing home, except where the Qualified and Licensed/Registered Medical Practitioner treating the Insured Person deems it necessary for the Insured Person to occupy such accommodation. 4 Medical consultation or treatment (other than Chinese bone-setter, acupuncturist, physiotherapy or chiropractic), not received from local Qualified and Licensed/Registered Medical Practitioner. 5 Any treatment provided by Chinese bone-setter, acupuncturist, physiotherapy or chiropractic who is the Insured Person himself/herself or a relative of the Insured Person or Insured Person s Immediate Family Members. Section 2 Worldwide Emergency Assistance Service Maximum Limit per Insured Person Fully Covered Fully Covered The services described in this Section must be necessitated by a medical emergency and coordinated by an assistance company appointed by Us (the Assistance Company ). (1) 24-Hour Emergency Assistance Hotline Service A 24-hour emergency assistance hotline service is operated for the benefit of Insured Person so that, in the event of an emergency medical problem or situation covered herein, help and advice will be given. (2) Emergency Medical Evacuation If the local medical services are inadequate or not available and the medical condition warrants emergency evacuation to another place, the Assistance Company will arrange and We will pay the incurred cost for: (i) emergency transport include air ambulance to the nearest and most appropriate Hospital or medical centre available to the nature of the Insured Person s accidental bodily Injury or sickness suffered; and (ii) medical attendants to accompany the Insured Person enroute on the advice and/or direction of the attending Qualified and Licensed/Registered Medical Practitioner. (3) Repatriation/Repatriation of Mortal Remains We will pay for services arranged by the Assistance Company in respect of: (i) extra costs for economy airfare incurred when the Insured Person suffers a sickness or accidental bodily Injury such that the Insured Person must fly to Hong Kong immediately on the written advice of a Qualified and Licensed/Registered Medical Practitioner. (ii) extra costs for economy airfare incurred for a Qualified and Licensed/Registered Medical Practitioner to accompany the Insured Person on the written advice of a Qualified and Licensed/Registered Medical Practitioner. (iii) reasonable charges in the event of death for burial or cremation of the Insured Person in the locality where death occurs or the reasonable cost of transport of body or ashes to Hong Kong for each Insured Person. In addition to the Policy exclusions in Section 1, the following also applies:- 1 Emergency Medical Evacuation or Repatriation/Repatriation of Mortal Remains or costs not approved and arranged by the Assistance Company or its authorized representative, except when We reserve the right to waive this exclusion at Our full discretion and decision. 2 The cost of burial in Hong Kong. Section 3 Personal Accident We will pay the following benefit per Insured Person in the event of accidental bodily Injury being sustained by an Insured Person during the Journey. COMPENSATION TABLE Maximum Benefit per Insured Person $1,000,000 $500,000 2

3 Benefit Compensation (% of the Maximum Benefit per Insured Person) (1) Accidental 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 100% Use of two Limbs (7) Loss of or the Permanent total Loss of 100% Use of one Limb (8) Permanent Loss of Speech and Loss of 100% Hearing (9) Permanent total Loss of Hearing in (a) both ears 75% (b) one ear 20% (10) Permanent Loss of Speech 50% EXTENSIONS It is extended to cover (a) Third Degree Burn If as a result of an Accident the Insured Person sustains an Injury and is diagnosed by a Qualified and Licensed/Registered Medical Practitioner to have suffered any of the Events listed hereunder, We will pay the Insured Person in respect of the following Events as specified below. EVENTS COMPENSATION Third Degree Burn On 45% or more of body surface $200,000 $100,000 On 27% or more of body surface $120,000 $60,000 On 18% or more of body surface $100,000 $50,000 On 9% or more of body surface $60,000 $30,000 On 4.5% or more of body surface $40,000 $20,000 Compensation shall not be payable for more than one of the above Events in respect of the same accidental bodily Injury. Should more than one of the Events occur from the same accidental bodily Injury, We shall only be liable for the greatest Compensation. DEFINITIONS a. Burns means tissue damage caused by the agent of heat only. b. Degree means the unit of measurement for the Burns customarily used by the local government in the place where this Policy is issued. c. Third Degree Burn means the damage or destruction of the skin to its full depth and damage to the tissues beneath. (b) Compassionate Death Cash Benefit We will pay the Insured Person s beneficiary in the event of the death of the Insured Person either due to Accident or sickness only. Sub-limit per Insured Person (a) Death due to accidental bodily Injury $50,000 $25,000 (b) Death due to sickness $20,000 $10,000 (c) Credit Card Protection We will pay for any outstanding balance payable on the credit cards of the deceased Insured Person for items and sundries charged to his/her credit cards as at the date of Accident if during the Journey the Insured Person sustains Injury which directly causes or results in his/her death; provided the accidental death benefit is paid or payable under the same Injury. Sub-limit per Insured Person $50,000 $30,000 (d) Disappearance Accidental death shall not in any way be presumed by reason of the disappearance of the Insured Person except in the event of the total loss by sinking or wrecking of the ship or aircraft in which the Insured Person was travelling at the material time. Accidental death payment is subject to the receipt of a signed undertaking by the personal representative(s) of the Insured Person s estate and that such payment shall be refunded to Us if it is later discovered that the Insured Person is found to be living and had not suffer Accident death as a result of the Accident. PROVISIONS (i) In respect of an Insured Person who is aged under 18, the Sum Insured of benefit (1) will be limited to $100,000 irrespective of the plan selected. (ii) In respect of an Insured Person who is aged over 70, the maximum amount We will pay under this Section will be limited to 50% of the above benefits (1) to (10). (iii) No claims will be payable : (a) Under benefits (1) and (2) unless such benefits occurs within 12 months from the date of Accident; (b) Under benefits (3) to (10), except on proof to Us that the disablement has continued for 12 months from the date of Injury and in all probability, will continue for the remainder of the Insured Person s life. (iv) The amount of all benefits (1) to (10) and extension (a) payable for one or more Injuries sustained by an Insured Person during the Journey shall not exceed $1,000,000 and $500,000 for and Plan respectively. (v) No interest accrued or financial charges shall be covered under extension (c). (vi) We will not pay for extension (c) if the Insured Person is entitled to this benefit under any other source. (vii) Extension (c) is not applicable to Insured Persons aged under 18 years of age. (viii) This section exclude cover for illness, sickness, disease, any pre-existing physical or mental defect or infirmity, bacterial or viral infections even if contracted by Accident. This does not exclude bacterial infection that is the direct result of an accidental cut or wound. (ix) When a Limb which had been partially dysfunctional or disabled prior to an Injury covered under this Policy and which becomes totally dysfunctional or disabled as a result of such Injury, the percentage of sum insured payable shall be determined by Us in its sole discretion having regard to the extent of disablement caused by the Injury. No payment however shall be made in respect of the loss of or the Permanent total Loss of Use of one Limb which was totally dysfunctional or disabled prior to the Injury. Section 4 Baggage and Personal Effects Maximum Limit per Insured Person $25,000 $15,000 Limit per article/pair/set of article $7,500 $5,000 Limit per mobile phone or tablet computer $3,000 $2,000 (Subject to a maximum of one set of either item) We will pay the incurred loss of or damage to baggage taken, sent in advance or purchased on the Journey (including clothing and personal effects worn or carried on the Insured Person, trunks, suitcases, receptacles and the like), occurring during the Journey and owned by the Insured or Insured Person. In the event that the Insured or the Insured Person purchases a replacement item comparable with the original brand, style & condition of the lost article, We will only pay for the replacement cost provided the lost article was not more than 2 years old at the date of loss. If the Insured or the Insured Person cannot prove the age of the lost article or if the article is more than 2 years old or if the article is not replaced, We will assess the claim on the basis of intrinsic value of the article, or the cost of repair, whichever is the lesser. If any article is proven to be beyond economic repair, a claim will be assessed under this Policy as if the article had been lost. We have the option to indemnify the Insured or the Insured Person by cash payment for the loss or damage or by repair or replacement. In the event of loss or damage occurring whilst the Insured property is in the custody or control of the Public Common Carrier, the Insured Person should firstly lodge his/her claim against that Public Common Carrier. We shall reimburse the balance if the Insured or the Insured Person is not fully compensated by the Public Common Carrier subject to the limit under this Section of the Policy. PAIR AND SET CLAUSE Where any insured item consists of articles in a pair or set, this Section will not pay more than the value of any particular part or parts which may be lost, without reference to any special cause which such article or articles may have as part of such pair or set, nor more than a proportionate part of the insured value of the pair or set. 1 Loss of or damage arising from delay or confiscation or detention by Customs or other official. 2 Loss of or damage to stamps, documents, contact or conceal lenses or damage to fragile or brittle articles such as glass or crystal. 3 Loss of or damage to Business goods or samples. 4 Loss or damage caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown or derangement. 5 Loss or damage whilst in the custody of the Public Common Carrier, unless reported immediately on discovery and, in the case of an airline, a Property Irregularity Report obtained. 6 Loss not reported to the police within 24 hours and a report obtained, unless:- (i) to do so would be impossible; (ii) by doing so would invoke an additional claim under another Section of the Policy. 7 Loss of or damage to banknotes, treasury bills, currency notes or any other form of negotiable document. 8 Replacement cost of credit cards. 9 Loss of unattended properties. 10 Loss of data recovery or data recorded on tapes, cards, diskettes or laptop computer. 11 Any loss claimed under Section 5 Baggage Delay arising from the same cause. 12 Any damage to sports equipment whilst in use. Section 5 Baggage Delay Maximum Limit per Insured Person $1,000 $800 We will pay the incurred costs of emergency purchases of essential items or clothing or requisites consequent upon temporary deprivation of baggage for at least 6 hours from time of arrival at destination abroad due to mishandling by the airlines or carrier or hi-jack. PROVISIONS (i) All claims must be substantiated by written confirmation from the Public Common Carrier or in the case of an airline, a Property Irregularity Report obtained on the number of hours and the reason of such delay. 1 Any loss claimed under Section 4 Baggage and Personal Effects arising from the same cause. 2 Any baggage not being on the same Public Common Carrier of the Insured Person or souvenirs and articles mailed or shipped separately. Section 6 Personal Money and Travel Documents Maximum Limit per Insured Person $6,000 $4,000 (a) Personal Money We will pay the incurred loss of money owned by the Insured or Insured Person (including cash, bank or currency notes, cheques, travellers cheques, postal or money orders), or loss of and unauthorized use of credit cards owned by the Insured Person by any person not related to, or residing with, the Insured Person. Sub-limit per Insured Person $3,000 $2,000 (b) Travel Documents We will pay the actual replacement cost of travel documents including passports, Hong Kong Identity Card or the like, applicable entry visas, credit cards, driving licences, travel ticket and other travel documents belonging to the Insured Person following the accidental loss during the insured Journey. In the event of the loss of travel ticket and/or other travel documents belonging to the Insured Person during the Journey, We will also reimburse the additional travelling expenses and/or accommodation expenses incurred by the Insured Person, provided that the travelling class and/or the room type for the accommodation shall not be better than the original travelling class and/or the room type for the accommodation in the Journey. Sub-limit per Insured Person $3,000 $2,000 1 Loss not reported to the local police within 24 hours or for which a relevant police report is not obtained. 2 Shortages due to error, omission, exchange or depreciation in value. 3 Loss or damage arising from delay or confiscation or detention by Customs or other official. 4 Loss of traveller s cheques not immediately reported to the local branch or agent of issuing authority. 5 Any unexplained loss or mysterious disappearance. 6 Loss of credit cards not immediately reported to the local branch or agent of issuing authority. 7 Loss of credit cards not complying with the terms and conditions of the issuing authority. 8 Loss of membership cards of any kind. 9 Loss of any travel document and/or visas and/or travel ticket which is not necessary to complete the Journey. 10 Any fine or penalties incurred due to non-replacement or late replacement of the documents by the Insured Person. 3

4 11 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 1 version. Section 7 Personal Liability Maximum Limit per Insured Person $3,000,000 $1,500,000 (inclusive of all costs and expenses) To indemnify the Insured Person in respect of his/her legal liability towards third parties up to the limit of the plan selected arising during the Journey as a result of:- (1) Accidental bodily Injury (including death). (2) Accidental loss of or damage to property. In addition, to indemnify the Insured Person for:- (3) third parties costs and expenses recoverable from the Insured Person either under Common Law or under the law of the country where the Accident, loss or damage occurred; and (4) the Insured Person s costs and expenses incurred with Our prior written consent. Claims arising directly or indirectly from, in respect of or due to:- 1 Employers Liability, contractual liability or liability to a member of an Insured Person s Family, Travel Companion. 2 Property belonging to or held in trust or in the care, custody or control of an Insured Person. 3 Any wilful, malicious or unlawful act. 4 Pursuit of trade, business or profession. 5 Ownership or occupation of land or building (other than occupation only of any temporary residence). 6 Ownership, possession or use of vehicles, aircraft or watercraft (other than small nonmechanical sailing craft, canoes, dinghies and the like). 7 Legal costs, fines, penalties or the like resulting from any criminal proceedings. 8 The Insured Person being under the influence of drugs or intoxicating liquor. Section 8 Travel Delay, Trip Re-routing, Missed Journey and Overbooking Maximum Limit per Insured Person $10,000 $5,000 In respect of (a), (b) and (c) below as a direct result of : strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the Public Common Carrier or closure of the airport, We will pay : (a) Travel Delay in the event of the Public Common Carrier in which the Insured Person has arranged to travel is delayed for at least 6 hours from the departure or arrival time specified in the Insured Person s original itinerary. The period of delay will be calculated from EITHER: Departure delay - 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; or Arrival delay - the original arrival time of the Public Common Carrier specified in the itinerary supplied to the Insured Person until the actual arrival time of (i) the original Public Common Carrier or (ii) the first available alternative transportation offered by that Public Common Carrier. The Insured Person can only claim for either Departure delay or Arrival delay of the same Public Common Carrier. If the Insured Person has consecutive connected flights, each period of delayed hours cannot be accumulated and the proximate cause of the delay must be due to the above-mentioned reasons. Sub-limit per Insured Person $2,500 $2,000 Each and every full 6 hours $300 $250 (b) Extra Accommodation Expenses, Irrecoverable Pre-paid Deposits or Charges due to Travel Delay (i) the additional, reasonable and irrecoverable accommodation expenses; or (ii) the irrecoverable pre-paid deposits or charges or contracted to be paid for the benefit of the Insured Person incurred outside Hong Kong in the event that the outward or transit of the Public Common Carrier in which the Insured Person has arranged to travel is delayed for more than 6 hours from the time specified in the Insured Person s original itinerary or cancellation of the holiday/journey by the Insured Person. The Insured Person can only claim for either (i) or (ii) above. Sub-limit per Insured Person $3,000 $2,000 (c) Trip Re-routing Costs due to Travel Delay the additional and irrecoverable costs of travel 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 in the event that the Public Common Carrier in which the Insured Person has scheduled to travel is cancelled as a consequence of the Public Common Carrier being delayed for more than 6 hours after the Insured Person s check-in. This benefit can only be utilized once during any one Journey. Sub-limit per Insured Person $10,000 $5,000 (d) Missed Journey We will pay expenses reasonably incurred for the accommodation and meals, if it is not provided or compensated by the Public Common Carrier or any third party, in the event that the Insured Person fails to board the Public Common Carrier due to missed transportation connection on which the Insured Person had obtained a confirmed reservation. The failure to board the Public Common Carrier due to the missed Journey connection must be verified in writing by the Public Common Carrier. Sub-limit per Insured Person $10,000 $5,000 (e) Overbooking We will pay expenses reasonably incurred for the accommodation and meals, if it is not provided or compensated by the Public Common Carrier or any third party, in the event that the Insured Person fails to board the Public Common Carrier due to overbooking on which the Insured Person had obtained a confirmed reservation. The failure to board the Public Common Carrier due to the overbooking must be verified in writing by the Public Common Carrier. Sub-limit per Insured Person $10,000 $5,000 Claims arising from: 1 Failure of the Insured Person to check in according to the itinerary supplied to him/her, and failure to obtain written confirmation from the Public Common Carriers (or their handling agents) of the number of hours of delay and the reason for such delay. 2 Any circumstances leading to the relevant delay of the Journey which is existing or announced on or before the application date of this Policy (for Single Journey) or either before (i) the application date of this Policy or (ii) the date of booking the scheduled Journey. 3 Late arrival of the Insured Person at the airport, port, train station or other place of boarding after check-in or booking-in-time (except for the late arrival caused by events beyond control of the Insured Person). 4 Any loss in relation to alternations to schedules that is not verified by the Public Common Carrier, travel agency or other relevant organizations. 5 Any circumstances covered by other insurance scheme, government programme or which will be paid or refunded by travel agency, tour operator or other provider of any service forming part of the booked itinerary (except for (a) Travel Delay). 6 In respect of losses claimed under Section 10 Trip Curtailment arising from the same cause. Section 9 Loss of Deposit or Cancellation of Trip Maximum Limit per Insured Person $50,000 $25,000 We will pay for the loss of irrecoverable deposits or charges paid in advance or contracted to be paid for the benefit of the Insured Person, in the event that the following is occurring after this insurance has been effected: (i) unexpected outbreak of strike, riot, civil commotion, terrorism, hijack, natural disasters or adverse weather conditions at the planned destination arising within 7 days before the departure date of the Journey. (ii) serious damage to the Insured Person s principal home in Hong Kong arising from fire, flood or burglary within 7 days before the departure date of the planned Journey which requires the Insured Person s presence in Hong Kong on the departure date of the Journey for the purpose of police investigation. (iii) the Government of the Hong Kong Special Administrative Region issuing a Red or Black alert for the planned destination, according to the Outbound Travel Alert System, within 7 days before the departure date of the Journey (notwithstanding General Exclusions 1A(iii)). For Red alert, We will reimburse up to 50% of the irrecoverable deposits or charges paid in advance. (iv) death, serious physical Injury or serious illness of the Insured Person, Immediate Family Member, Close Business Partner or Travel Companion. (v) witness summons, jury service or Compulsory Quarantine of the Insured Person. (vi) bankruptcy of a travel agent licensed by the Registrar of Travel Agents and who is a member of the Travel Industry Council of Hong Kong to whom the Insured and/or the Insured Person have made travel deposits or travel fares to. Refer to (Applicable to Section 9 and 10) stated under Section 10 - Trip Curtailment. Section 10 Trip Curtailment Maximum Limit per Insured Person $50,000 $25,000 We will pay for the proportional return of relevant irrecoverable prepaid cost of the booked itinerary as shown on the booking invoice, calculated at pro-rata for each complete day of the booked itinerary lost, or additional incurred travel costs (confined to economy class) and accommodation expenses reasonably and necessarily incurred, in the event that the Insured Person has to abandon the Journey and return to Hong Kong after the Journey has begun due to : (i) unexpected outbreak of strike, riot, civil commotion, terrorism, hijack, natural disasters or adverse weather conditions at the planned destination which prevents the Insured Person from continuing with his/her scheduled Journey. (ii) serious damage to the Insured Person s principal home in Hong Kong arising from fire, flood or burglary. (iii) the Government of the Hong Kong Special Administrative Region issuing a Red or Black alert for the planned destination, according to the Outbound Travel Alert System, during the Journey (notwithstanding General Exclusions 1A(iii)). For Red alert, We will reimburse up to 50% of the relevant irrecoverable prepaid cost or additional costs and expenses as stipulated in this section. (iv) death, serious physical Injury or serious illness of the Insured Person, Immediate Family Member, Close Business Partner or Travel Companion. (v) bankruptcy of a travel agent licensed by the Registrar of Travel Agents and who is a member of the Travel Industry Council of Hong Kong to whom the Insured and/or the Insured Person have made travel deposits or travel fares to. Curtailment expenses payable in relation to the amount of prepaid cost of the booked itinerary and/or travel costs and/or accommodation expenses forfeited will be calculated in proportion to the number of days remaining after the relevant interruption of the Journey. The Insured Person can only claim for either the forfeited expenses for the Journey or additional expenses incurred for the curtailment. (Applicable to Section 9 and 10) Claims arising directly or indirectly from, in respect of or due to: 1 Any government s regulations control or act, bankruptcy, liquidation, error, omission or default of any travel agency, tour operator, Public Common Carrier and/or other provider of any service forming part of the booked itinerary, except bankruptcy of the licensed travel agent as specified above. 2 Disinclination to travel or financial circumstances of the Insured or any Insured Person. 3 Any unlawful act or criminal proceedings of any Insured Person on whom the Journey depend, other than attendance under subpoena as a witness at a Court of Law. 4 Failure to notify the 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. 5 Any circumstances leading to the cancellation or curtailment of the Journey which is existing or announced on or before the application date of this Policy (for Single Journey) or either before (i) the application date of this Policy or (ii) the date of booking the scheduled Journey. 6 Any medical condition or other circumstances known to have existed on or before the application date of this Policy (for Single Journey) or either before (i) the application date of this Policy or (ii) the date of booking the scheduled Journey. 7 Any loss which will be paid or refunded by any existing insurance scheme, government programme, Public Common Carrier, travel agency or any other provider of transportation and/or accommodation. 8 Any loss in relation to cancellations or curtailments to schedules that is not verified by the Public Common Carrier, travel agency or other relevant organizations. 9 Failure to obtain a written medical report from the Qualified and Licensed/Registered Medical Practitioner. 10 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 Journey. 4

5 11 Any loss if the Insured Person refuses to follow the recommendation of the Qualified and Licensed/Registered Medical Practitioner and to return to Hong Kong on Insured Person s own decision, or refuses to continue the Journey whilst the Insured Person s physical condition at the time of recommendation is fit for travel (Applicable to Section 10 Trip Curtailment only). 12 In respect of losses claimed under Section 8 Travel Delay, Trip Re-routing, Missed Journey and Overbooking arising from the same cause (Applicable to Section 10 Trip Curtailment only). 13 Any training or studying courses fee and/or deposits. Section 11 Home Care Benefit Maximum Limit per Insured Person $20,000 $10,000 We will, in the event of any accidental fire and/or burglary, provide indemnity to Insured Person by cash payment, repair or reinstatement, at Our option, against physical loss of or damage to the Contents within Insured Person principal residence in Hong Kong which was left vacant when Insured Person is on a Journey. Contents means household furniture and furnishing, clothing and personal effects belonging to Insured Person or to Insured Person s Family members or domestic helpers permanently residing with Insured Person and fixtures and fittings Insured Person owns (for which Insured Person is responsible) not being landlord s fixtures and fittings. Contents shall exclude deeds, bonds, bills of exchange, promissory notes, cheques, travellers cheques, securities for money, documents of any kind, cash, currency notes, articles of gold, silver or other precious metal, jewellery, furs, watches, and precious or semi-precious gems. In the event of loss of or damage to any property insured forming part of a pair or set, Our liability shall not exceed a proportionate part of the value on the pair or set. We shall not be liable for more than $2,000 in respect of any one article or pair or set of articles. We will not pay for claims arising directly or indirectly from, in respect of, or due to: 1 Wear, tear, depreciation, the process of cleaning, dyeing repairing or restoring any article, the action of light or atmospheric conditions, moth, insects, vermin or any other gradually operating cause. 2 Any loss or damage occasioned through the willful act of the Insured Person or with the connivance of the Insured Person. 3 Any loss (whether temporary or permanent) of the Insured property or any part thereof by reason of confiscation, requisition, detention or legal or illegal occupation of such property or of any premises, vehicle or thing containing the same by any government authorities. 4 Electrical or mechanical breakdown. 5 Business or professional use in respect of photographic and sporting equipment and accessories and musical instruments. 6 Motor vehicles, boats, bicycles and any equipment or accessories relating thereto. Section 12 Trauma Counseling Maximum Limit per Insured Person $25,000 $15,000 Limit per visit per day $1,500 $1,000 We will pay the cost of trauma counseling as recommended by the Qualified and Licensed/ Registered Medical Practitioner in the event that the Insured Person witness &/or is the victim of a traumatic event include rape, armed hold up, assault, natural disaster or acts of terrorism only during the Journey. Section 13 Rental Vehicle Excess Maximum Limit per Insured Person $5,000 $3,000 We will pay the motor insurance policy excess or deductibles incurred by the Insured Person in the event that the Insured Person is involved in a collision whilst the rental vehicle is driven by the Insured Person or the rental vehicle is stolen or parking damaged during the Journey. Provided that such vehicle is rented from a licensed rental vehicle company; and a rental agreement between the Insured Person and the licensed rental vehicle company is signed; and a relevant comprehensive motor insurance policy covering the rental vehicle, which is effected during the rental period. 1 Any condition under the influence of alcohol or drugs of the Insured Person who is controlling of a rental vehicle during the rental period. 2 Loss arising from operation of the rental vehicle which is in violation of the terms of the rental agreement or applicable comprehensive motor insurance. 3 Any illegal or unlawful use of the rental vehicle by the Insured Person during the rental period. 4 The Insured Person is not holding a valid driving license for the country. 5 Liability other than loss of or damage to the rental vehicle. 6 The rental of the following types of vehicles : motorcycles, mopeds, motorbikes, trailers or caravans, motor homes, trucks, commercial vehicles, recreational vehicles, off-road vehicles, vans and vehicles with more than 9 seats. Section 14 China Hospital Deposit Guarantee Benefit (Only applicable if mentioned in the Certificate of Insurance or Policy Schedule) In the event of accidental bodily Injury sustained or sickness contracted by the Insured Person during the Journey and the Insured Person is admitted into a Hospital under Hospital Network in China, the Assistance Company will, on Our behalf, guarantee to the Hospital under Hospital Network the amount of admission deposit upon presenting the China Hospital Deposit Guarantee Card (hereinafter called China Card ) by the Insured Person to the Hospital. PROVISIONS (i) This benefit applies only within China and outside the Country of Residence of the Insured Person. (ii) The Insured Person is required to present the China Card and his/her identity card or any relevant travelling documents with his/her name and photo to the staff of Accident & Emergency Department under Hospital Network. The Assistance Company will on behalf of the Insured Person issue the deposit guarantee for hospital admission to the Hospital under Hospital Network. (iii) The Insured Person or his/her representative shall fully and directly settle the medical expenses including the deposit guarantee for hospital admission by the Assistance Company when the Insured Person is discharged. (iv) For checking the nearest Hospital under Hospital Network, the Insured Person may call 24-hour Emergency Assistance Hotline at (852) The Insured Person is required to provide the information including but not limited to the name of the Insured Person, Policy Number, the contact number of the Insured Person or his/her representative, the location of the Insured Person and the brief description of the Accident/sickness and the nature of help required for verification. Upon the confirmation of the coverage, the Assistance Company will refer a Hospital under Hospital Network to the Insured Person. (v) While the Assistance Company will exercise its best endeavor to refer the Insured Person to the medical facilities in China. It is understood that the physicians, Hospitals and any kind of professionals to whom the Insured Person will be referred to by the Assistance Company are independent contractors responsible for their own acts and are not employees, agents or servants of the Assistance Company. Any Hospitals or physicians referred by the Assistance Company and chosen by the Insured Person shall also be acting as the principal party in giving their medical services. We and the Assistance Company will not be liable for any default in their medical services provided. (vi) In the event of the loss or damage of the China Card, the Insured Person shall report to Us in writing as soon as possible. A replacement card will be issued upon receiving a replacement card fee of $50 from the Insured Person or the Insured. DEFINITIONS a. China means the People s Republic of China excluding Hong Kong Special Administrative Region and Macau Special Administrative Region. b. Hospital Network means the network of Hospitals in China which joins the Assistance Company s Hospital Network scheme and accepts the China Card issued by Us and will allow the Insured Person to be admitted into the Hospitals without paying the admission deposit. A list of Hospital Network can be referred to Our website at c. Country of Residence means the Hong Kong Special Administrative Region. General Exclusions 1 This Policy does not cover claims:- A Directly or indirectly occasioned by, happening through or in consequence of:- (i) any Injury, illness, disease, infirmity, physical defect or condition which existed prior to the Journey. (ii) the Insured Person engaging in sports or games in a professional capacity. (iii) war, invasion, acts of foreign enemies, hostilities or war-like operations (whether war be declared or not), civil war, mutiny, riot or civil commotion assuming the proportions of or amounts to popular rising (except as specified under individual Sections), military rising, insurrection, rebellion, revolution, military or usurped power, martial law, confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority. (iv) the Insured Person s direct participation in terrorist acts. (v) Accidents whilst the Insured Person is engaging in racing (other than on foot), motor rallies and competitions or aviation (other than as a fare-paying passenger in a duly certified multi-engined passenger carrying aircraft flown in the course of licensed operations for the transportation of passengers by air by a properlylicensed crew). (vi) wilfully self-inflicted Injury or illness, insanity, the effect or influence (temporary or otherwise) of alcohol, or the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a registered medical practitioner, but not for the treatment of drug addiction), self-exposure to needless peril (except in an attempt to save human life or property). (vii) nuclear fission, nuclear fusion or radioactive contamination arising from nonterrorist event, whether direct or indirect. B In respect of any property more specifically insured or any claim which, but for the existence of this Policy, would be recoverable under any other Policy of insurance. C Incidents which may give rise to a claim not notified directly in writing to Us within 31 days of the expiry of the individual scheduled travel itinerary. D If the Insured Person is travelling contrary to the advice of a medical practitioner or for the purpose of obtaining medical treatment or for migration. E For venereal disease or sexually transmissible diseases including AIDS (Acquired Immune Deficiency Syndrome) and ARC (AIDS Related Complex). F For pregnancy, miscarriage, childbirth and all complications thereof. G If the Insured Person engaging in any kind of labor or manual work; engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives; performing as actor/actress; being a site worker, fisherman, cook or kitchen worker; tour guide or tour escort during the period of insurance. H Arising from Black alert for the planned destination, according to the Outbound Travel Alert System, in existence prior to (i) the issuance of the Policy Schedule/Certificate of Insurance (applicable to Single Journey); or (ii) the date of booking the scheduled Journey (applicable to Annual Cover). I Any incidents/circumstances which is existing or announced or publicly known on or before the date of booking the scheduled Journey and/or before the effective date of the Policy. 2 Sanction Limitation and Exclusion Clause Under no circumstances shall this insurance contract be deemed to provide cover and no liability be incurred to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose insurers to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America. General Conditions 1 Compliance with Conditions The due observance and fulfilment of all the terms and conditions of this Policy by the Insured, Insured Person, or anyone acting on his/her behalf insofar as they relate to anything to be done or complied with by the Insured, Insured Person, or anyone acting on his/her behalf shall be a condition precedent to any liability of Us to make any payment under this Policy. 2 Reasonable Care The Insured or Insured Person shall act in a prudent manner and exercise reasonable care and prevent Accidents, Injury, illness, loss or damage. 3 Fraud If any claim shall be fraudulent or intentionally exaggerated or if any false declaration or statement shall be made, then this Policy shall be void and no claim shall be payable. 4 Claim In the event of a claim, the Insured or Insured Person should:- (a) advise Us in writing as soon as possible but always subject to 1C under General Exclusions. (b) provide all documents, information and evidence as may be required by Us at the expense of the Insured, Insured Person or his/her legal representatives. (c) in the case of loss of or damage to baggage whilst in the custody of carriers or loss of baggage or money, obtain a report from the carrier, the police or other proper authority and provide a copy when claiming to Us. (d) in the event of travel delay, obtain written confirmation from the Public Common Carrier for the reason and duration of the delay. (e) in the event of loss of money, loss must be reported to the police within 24 hours of discovery and a report obtained. (f) not to admit liability or to give any representations or other undertakings binding 5