Hong Kong the Hong Kong Special Administrative Region of the People s Republic of China. Hospital an establishment which meets all the following requi

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1 Ctrip Travel Insurance Plan In consideration of the payment of premium and subject to the definitions, exclusions, limitations, provisions and terms contained herein, endorsed hereon, or attached hereto, we agree to insure the insured person(s) named in the schedule issued in relation to an insured journey and promise to pay indemnity for loss to the extent provided herein. Part 1 Definitions Certain words in this policy have specific meanings. We have printed these words in italics throughout this policy and have given the meanings below: Accident/Accidental a sudden and unforeseen event that happens unexpectedly and causes injury to the insured person during an insured journey. Accommodation room charge only. China the territorial limit of the People s Republic of China, but excluding Hong Kong and Macau. Compulsory Quarantine the insured person is being confined in an isolated ward of a hospital or kept in an isolated site appointed by the government for at least one (1) full day and continuously stays in there until discharged from the quarantine. Confined/Confinement the insured person is registered as an in-patient in a hospital for a medical treatment for an injury or illness upon the recommendation of a medical practitioner and continuously stays in the hospital prior to his/her discharge from the hospital. Hospital confinement will be evidenced by a daily room and board charge by the hospital. Domestic Partner an adult aged eighteen (18) or above who have chosen to live with the insured person in an intimate and committed relationship, and has resided with the insured person for at least three (3) years, intends to do so indefinitely and is able to provide such proof of residence. Domestic partner does not include roommates or any immediate family member. Effective Date either (i) the issue date of this policy or (ii) the date on which the Cancellation of Trip benefit under Section 11 becomes effective, whichever is the later. Follow-Up the medical treatments directly caused by injury or illness suffered by the insured person for which the insured person has received treatment during the insured journey. 1

2 Hong Kong the Hong Kong Special Administrative Region of the People s Republic of China. Hospital an establishment which meets all the following requirements: holds a licence as a hospital (if licensing is required in the state or governmental jurisdiction); and operates primarily for the admission, care and treatment of sick, ailing or injured persons as in-patients; and provides 24-hour a day nursing service by registered or graduated nurses; and has a staff of one or more licensed medical practitioner available at all times; and provides organized facilities for diagnosis and major surgical facilities; and is not primarily a clinic, nursing, rest or convalescent home or similar establishment or a place for alcoholics or drug addicts. Illness sickness or disease of the insured person contracted and commenced during the insured journey and which results in a loss covered by this policy. Immediate Family Member the insured person s spouse, parent, parent-in-law, grandparent, son or daughter, brother or sister, grandchild or legal guardian. Infectious Disease any kinds of infectious disease with human-to-human spread in a large cluster(s) of a local population which is announced by the World Health Organization. Injury bodily injury sustained in an accident directly and independently of all other causes. Insured Journey For single trip travel plan, the period of travel commencing from the time when the insured person departs from any immigration counter of Hong Kong and until the time when the insured person (i) returns to Hong Kong on the date specified in the schedule for the completion of the journey or (ii) arrives at any immigration counter of Hong Kong for returning to Hong Kong, whichever first occurs. However, any period of insurance shall not exceed forty-five (45) days. For one-way travel, the departing country or the arriving country must be at Hong Kong and any period of insurance shall not exceeding fifteen (15) days. Insured Person the person(s) named in the schedule or subsequently endorsed hereon as insured person(s). Itinerary 2

3 the detailed plan for a journey issued and confirmed by public common carrier, travel agency, tour operator or cruise company, together with the official receipt or confirmation, prior to the departure date of the insured journey. Lap-top Computer a lap-top, notebook or sub-notebook computer. Personal digital assistant (PDA), hand-held computer (HHC) and tablet PC of any kind are excluded from this category. Loss of Hearing permanent irrecoverable loss of hearing where: If a db = Hearing loss at 500 Hertz If b db = Hearing loss at 1,000 Hertz If c db = Hearing loss at 2,000 Hertz If d db = Hearing loss at 4,000 Hertz 1/6 (a+2b+2c+d) is above 80dB. Loss of Sight the entire and permanent irrecoverable loss of sight. Loss of Speech the disability in articulating any three (3) of the four (4) sounds which contribute to the speech such as the labial sounds, the alveololabial sounds, the palatal sounds and the velar sounds or total loss of vocal cord or damage of speech centre in the brain resulting in aphasia. Loss of Use permanent total functional disablement or complete and permanent physical separation at the limb or organ. Macau the Macau Special Administrative Region of the People's Republic of China. Maximum Benefits the benefit amount of each of the benefits covered under this policy as stated in the table of benefits. Medically Necessary Expenses expenses incurred from the first day of sustaining an injury or illness during the insured journey which are paid by the insured person to a legally qualified medical practitioner, physiotherapist, nurse, hospital and/or ambulance service for medical, surgical, X-ray, hospital or nursing treatment including the cost of medical supplies and ambulance hire but excluding any expenses incurred under Section 2(b) - Emergency Medical Evacuation or Section 2(c) - Repatriation of Mortal Remains of Part 2 of this policy. 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 a refund of all or part of such expenses from any other source, we will only be liable for the excess of the amount recoverable from such other sources. 3

4 Medical Practitioner a person other than the insured person or immediate family member, qualified by degree in western medicine and legally authorized in the geographical area of his/her practice to render medical and surgical services. Permanent lasting not less than twelve (12) consecutive months from the date of an accident and at the expiry of that period being beyond hope of improvement. Pre-existing Condition the insured person or travel companion received medical treatment, diagnosis consultation or prescribed drugs, or a condition for which medical advice or treatment was recommended by a medical practitioner before the effective date. Principal Home the house or building located in Hong Kong occupied as a private dwelling by the insured person as his/her only permanent residence. Public Common Carrier any mechanically propelled conveyance operated by a company or an individual licensed to carry passengers for hire, including but not limited to bus, coach, ferry, hovercraft, hydrofoil, ship, train, tram, cruise ship or underground train, and any fixed-wing aircraft provided and operated by an airline or an air charter company which is duly licensed for the regular transportation of fare-paying passengers and operating only between established commercial airports. Relevant Documents documents include schedule, enrollment form (if any), declaration, optional benefits, endorsements, attachments and amendments (regardless verbally or in written format). Schedule the schedule attached to and incorporated in this policy. Serious Physical Injury or Serious Illness an injury or illness which requires treatment by a medical practitioner and results in the insured person or travel companion being certified by that medical practitioner as being unfit to travel (or continue) with the insured person s original insured journey and having to be confined in a hospital. Serious physical injury or serious illness shall also include such injury or illness due to which the insured person or travel companion is being denied to board the scheduled public common carrier or is being denied to enter into the scheduled destination by any legal, governmental or airport authorities. When serious physical injury or serious illness is applied to the immediate family member(s) or domestic partner, it shall mean injury or illness for which the immediate family member or domestic partner requires treatment, and which is certified by medical practitioner as being dangerous to life and having to be confined in a hospital, and which results in the insured person s discontinuation or cancellation of his/her original insured journey. 4

5 Table of Benefits the table as shown under Part 2 Benefits in this policy stating the maximum benefits of each benefit section available in accordance to the type of plan. Terrorism an act of terrorism refers to any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s), carry out any act, preparation or threat of action which is intended to influence any government de jure or de facto of any nation or any political division thereof and/or to intimidate the public or any section of the public of any nation for political, religious, ideological, or similar purposes. An act of terrorism must be confirmed and announced to the public by the relevant government. However, any event arising from war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, insurrection, military force or coup, or any act with the use of nuclear engineering shall be excluded from this definition. Total Disablement when as the result of injury and commencing within twelve (12) consecutive months from the date of an accident the insured person is totally disabled and prevented from engaging in each and every occupation or employment for compensation or profit for which the insured person is reasonably qualified by reason of his/her education, training or experience, or if the insured person has no business or occupation, total disablement means the inability of the insured person to perform any activities which would normally be carried out in the insured person s daily life. Travel Companion the person who made the travel booking or reservation with the insured person and accompanied the insured person for the whole insured journey other than a tour guide or tour member. Travel Ticket a travel ticket purchased for travelling on any public common carrier. War A contest by force between two (2) or more nations, carried on for any purpose; or an armed conflict of sovereign powers, in either case whether such contest or armed conflict is declared or undeclared and open hostilities; or the state of nations among whom there is i) an interruption of peaceful relations and ii) a general contention by force, both authorized by the respective sovereigns of such nations. We, Us or Our Zurich Insurance Company Ltd Part 2 Benefits Table of Benefits Section Coverage Maximum Benefits per Insured Person per Insured Journey (HKD) 5

6 Insured Person aged Insured Person aged between 18 and or below or above Medical Cover (a) Medical Expenses 1,500,000 1,500,000 (17 or below) 750,000 (above 70) Including sub-limit for follow-up medical expense $150,000 - Chinese bonesetting and acupuncture expenses (HKD200/day/visit, max HKD2,400) (b) Overseas Hospital Daily Cash Benefit (HKD500 per day) 10, Zurich Emergency Assistance (a) Deposit Guarantee for Hospital Admission 40,000 (b) Emergency Medical Evacuation Actual Cost (c) Repatriation of Mortal Remains Actual Cost (d) 24-hour Telephone Hotline and Referral Services Included 3. Personal Accident 300, , Compassionate Visit (a) Compassionate Visit 50,000 (including one economy class roundtrip travel ticket and accommodation) (b) Return of Unattended Children 50,000 (including one economy class oneway travel ticket and accommodation) 5. Personal Baggage Cover 20,000 - Sub-limits: - Per item, pair, set or collection 3,000 - Lap-top computer 10,000 - An aggregate limit of all cameras, camcorders and their accessories and related equipment 5, Loss of Personal Money 3, Loss of Travel Document and/or Travel Ticket 10,000 (maximum HKD2,000 per day limit for travelling and accommodation) 8. Personal Liability 2,000, Travel Delay (a) Travel Delay (HKD300 for each full 6 hours' delay) 4,500 (b) Extra Re-routing Cost due to Travel Delay (over 12 5,000 hours delay) 10. Baggage Delay (HKD300 for each full 6 hours' delay) 1, Cancellation of Trip 30, Curtailment of Trip 40,000 6

7 13. Rental Vehicle Excess 5,000 Section 1 Medical Cover (a) Medical Expenses If the insured person suffers from injury or illness during the insured journey and incurs reasonable medically necessary expenses during the insured journey, we will reimburse the actual medically necessary expenses to the insured person. Follow-up Medical Expenses This section also insures the insured person up to the sub-limit as stated in the table of benefits against any actual medically necessary expenses charged by a medical practitioner in Hong Kong for the continuation of medical treatment sought by the insured person for the above injury or illness within three (3) months after the insured person s return to Hong Kong from the insured journey. The follow-up medical expenses shall also be extended to cover the medical expenses incurred for the same injury or illness paid to the Chinese bone-setting and acupuncture expenses, subject to an aggregate limit of HKD2,400 and a per visit and per day limit of HKD200. No follow-up medical expenses shall be provided unless the insured person returns to Hong Kong within twelve (12) months from the first day of injury or illness. In no event shall the total amount payable under this Section 1(a) Medical Expenses exceed 100% of the maximum benefits as stated in the Table of Benefits. Special Condition applicable to Section 1(a) The maximum benefits as shown on the table of benefits for each insured person is based on the insured person's age on the departure date of the insured journey. (b) Overseas Hospital Daily Cash Benefit If the insured person is confined in an overseas hospital due to an injury or illness during the insured journey, we will pay a daily allowance up to the maximum benefits as stated in the table of benefits. Exclusions applicable to Section 1 This section does not cover: 1. non-essential medical treatment or any medical treatment that is not recommended by a medical practitioner; 2. any loss or medical expenses arising from any travel contrary to the advice of a medical practitioner or for the purpose of receiving medical or surgical treatment; 3. dental work or treatment, unless procedures necessitated by damage to sound and natural teeth as a result of an injury or accident occurring during the insured journey. Benefit is payable purely for emergency condition and to alleviate the pain and in a legally registered dental clinic or hospital but in all circumstances shall not cover any restorative or remedial work, the use of any precious metals, orthodontic treatment of any kind, replacement of natural teeth, denture and prosthetic services such as bridges and crowns, their replacement and related expenses; 4. cosmetic surgery, refractive errors of eyes or hearing-aids, and prescriptions therefor except necessitated by injury occurring during the insured journey; 7

8 5. surgery or medical treatment which is not substantiated by a written report from a medical practitioner; 6. surgery or medical treatment when in the opinion of the medical practitioner treating the insured person, the treatment is not urgent and medically necessary during the insured journey, and can be reasonably delayed until the insured person returns to Hong Kong; 7. any follow-up medical expenses paid to the medical practitioner or Chinese medicine practitioner who is the insured person or immediate family member; 8. any additional cost of single or private room or semi-private room accommodation at a hospital (unless written document issued by hospital which has proven that ward room was fully occupied and has to be hospitalized in a semi-private room accommodation); or charges in respect of special or private nursing; nonmedical personal services such as radio, telephone and the like; 9. procurement or use of special braces (unless the use of special braces is resulting from accident only and it is recommended by medical practitioner), appliances or equipment; or 10. any loss if the insured person refuses to follow the recommendation of a medical practitioner to return to Hong Kong, or refuses to continue the insured journey whilst the insured person s physical condition at the time of recommendation is fit for travel. Section 2 Zurich Emergency Assistance Zurich Emergency Assistance will arrange for the following benefits in the event that the insured person has suffered from injury or illness during the insured journey and pay for any costs and expenses arising thereof: (a) Deposit Guarantee for Hospital Admission Upon admission to a hospital, Zurich Emergency Assistance provides guarantee for admission deposit up to a limit of HKD40,000 in respect of any one (1) insured person. Such deposit shall be fully refunded to us and is borne solely by the insured person unless otherwise covered under Section 1 - Medical Cover of Part 2 of this policy. (b) 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 or repatriation of the insured person. The timing, means and final destination of evacuation will be decided by Zurich Emergency Assistance and will be based entirely upon medical necessity. (c) 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 Zurich Emergency Assistance. (d) 24-hour Telephone Hotline and Referral Services (i) Pre-trip information assistance (ii) Embassy referral (iii) Medical service provider referral (iv) Lost passport assistance 8

9 (v) Lost luggage assistance (vi) Interpreter referral (vii) Lawyer referral (viii) Telephone medical advice (ix) Monitoring of eedical condition when hospitalized (x) Arrangement for medical expenses guarantee In respect of services (ix) and (x) above, all hospitalization expenses or medical expenses charged to the insured person by a hospital or medical practitioner other than our approved doctors, or any other medical professions, are to be borne by the insured person unless otherwise covered under this policy. ZURICH EMERGENCY ASSISTANCE is rendered by a service provider nominated by Zurich Insurance Company Ltd. Exclusions applicable to Section 2 No service will be provided or paid under this section: 1. when the insured person is located in areas which represent war risks or political conditions such as to make the provision of services under this section impossible or reasonably impracticable; 2. for emergency medical evacuation or repatriation of mortal remains or other cost not approved in advance and in writing and/or not arranged by Zurich Emergency Assistance. This exclusion shall not apply to emergency medical evacuation from remote or primitive areas where Zurich Emergency Assistance cannot be contacted in advance and delay might reasonably be expected to result in loss of life or extreme prejudice to the insured person s prospect; 3. when the insured person is residing or travelling outside Hong Kong contrary to the advice of a medical practitioner; or 4. when the insured person is residing or travelling outside Hong Kong for the purpose of obtaining medical treatment or for rest and recuperation following any prior accident or illness. Section 3 Personal Accident In the event of an accident which causes injury to the insured person, and such injury results in any one (1) of the following Events listed in the Compensation Table hereunder within ninety (90) consecutive days after the date of the accident, we will pay compensation in accordance with the percentage stated in the Compensation Table, up to the maximum benefits as stated in the table of benefits. Compensation Table Events Percentage of Maximum Accidental Death and Disablement Benefits 1. Death 100% 2. Permanent Total Disablement 100% 3. Permanent and Incurable Paralysis of all Limbs 100% 4. Permanent Total Loss of Sight of both Eyes 100% 5. Permanent Total Loss of Sight of one Eye 100% 6. Loss of or the Permanent Total Loss of Use of two Limbs 100% 9

10 7. Loss of or the Permanent Total Loss of Use of one Limb 100% 8. Loss of Speech and Hearing 100% 9. Permanent Total Loss of Hearing in (a) both ears 75% (b) one ear 15% (i) Benefit shall not be payable for more than one (1) of the Events listed above in respect of the same accident. Should more than one (1) of the Events occur as a result of the same accident, only the Event with the highest compensation will be payable under this section. (ii) Upon the occurrence of any compensation for which indemnity is payable under any one (1) of the above Events to any one (1) insured person in the policy, all benefits under the policy shall then immediately cease to be in force with regard to such insured person, but such termination shall be without prejudice to any claim originating out of the accident causing such loss. (iii) For any disablement in relation to Events 2-9 existed prior to an injury covered under this policy and becomes totally disabled or a total disablement as a result of such injury, the Percentage of Maximum Benefits payable shall be determined by us having regard to the extent of disablement caused by the covered injury. However, no payment shall be made in respect of any disablement which was totally disabled prior to the injury. Extensions to Section 3 1. Under this section, we extend to cover any injury sustained by the insured person while: (i) the insured person is travelling directly from his/her place of residence or place of regular employment in Hong Kong to an immigration counter in the territory of Hong Kong for the purpose of conducting immigration clearance procedures within three (3) hours before the scheduled departure time of the public common carrier in which the insured person has arranged to travel for the purpose of commencing the insured journey; and (ii) the insured person is travelling directly from an immigration counter in the territory of Hong Kong to his/her place of residence or place of regular employment within three (3) hours after the 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. 2. Disappearance Clause If the body of the insured person has not been found within one (1) year after the date of disappearance, sinking or wrecking of the aircraft or other public common carrier either on the ground or at sea in which the insured person was travelling at the time of the accident and under such circumstances as would otherwise be covered hereunder, it will be presumed that the insured person suffered death resulting from an accident covered by this policy at the time of such disappearance, sinking or wrecking. Maximum Liability for Personal Accident Where any individual life is insured under multiple policies or certificates of insurance which include accidental death and permanent disablement covers as defined in each policy or certificate of insurance and are issued by us and/or our related companies, the maximum liability in respect of any one (1) individual life under all accidental death and permanent disablement covers shall not exceed HKD5,000,000 in aggregate and each policy or certificate of insurance shall bear a proportionate share of the total loss. 10

11 Exclusion applicable to Section 3 This section does not cover any loss caused by an injury which is a consequence of any kind of disease and/or illness. Section 4 Compassionate Visit (a) Compassionate Visit In the event of death of the insured person/immediate family member or confinement of the insured person in a hospital outside Hong Kong for over three (3) consecutive days due to serious physical injury or serious illness, Zurich Emergency Assistance will pay one (1) economy class round-trip travel ticket for one (1) immediate family member or domestic partner to travel to the location of the insured person, and accommodation expenses necessarily and unavoidably incurred by the immediate family member or domestic partner up to a maximum of HKD700 per day and a maximum of five (5) days. This benefit cannot be claimed for more than once for any one (1) insured journey. (b) Return of Unattended Children Zurich Emergency Assistance will arrange and pay the one-way economy class travel ticket for returning the insured person s unattended child(ren) aged below seventeen (17) year old back to Hong Kong in the event of death or confinement of the insured person in a hospital outside Hong Kong for over three (3) consecutive days due to serious physical injury or serious illness, up to the maximum benefits as stated in the table of benefits. If necessary, Zurich Emergency Assistance will also arrange a qualified attendant to accompany the unattended child(ren) during the return journey. Section 5 Personal Baggage Cover We will pay the insured person up to the maximum benefits as stated in the table of benefits and subject to the sub-limits below, for the accidental loss of or damage to the personal possessions including luggage during the insured journey which are normally worn or carried by and owned by the insured person. For any personal possession and belonging that are kept inside an unattended and locked vehicle, it must be locked inside the trunk of the vehicle. We may make payment or, at our option, reinstate or repair the personal possessions as we may elect, subject to due allowance for wear and tear and depreciation. If any damaged article is proven to be beyond economical repair, a claim will be dealt with as if the article has been lost. Sub-limits applicable to Personal Baggage are as follows: 1. HKD3,000 for any one (1) article, pair, set or collection in respect of any one (1) insured person. 2. HKD10,000 for one (1) lap-top computer in respect of any one (1) insured person. 3. An aggregate maximum limit of HKD5,000 for all cameras and camcorders and their accessories and related equipment in respect of any one (1) insured person. In no event shall the total amount payable under this Section 5 - Personal Baggage Cover exceed 100% of the maximum benefit stated in the table of benefits. Exclusion applicable to Section 5 This section does not cover: 11

12 1. the following classes of property: business merchandise or sample, foodstuffs and/or medicine, tobacco, contact lenses, dentures and/or its appliances, animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, or any other conveyances, household furniture, antiques, any kind of jewelleries or accessories made of or contain of any kind of gold, platinum, diamond, jade or pearl, money (including cheques, traveller s cheques, etc), plastic money (including the credit value of credit card, Octopus cards, etc), coupons or securities, bonds, negotiable instruments, tickets or documents; 2. mobile phone including PDA phone, smart phone or similar device with telecommunications function and other accessories; 3. lap-top computer with any problems or defects triggered by software and malicious code (including but not limited to download of such software); 4. any loss not reported to the local police or public authority within twenty-four (24) hours of discovery and such local report is not obtained; 5. any loss or damage caused by wear and tear, gradual deterioration, insects, vermin, corrosion, rot, mildew, fungus, atmospheric conditions, the action of light, any process of heating, drying, cleaning, dyeing, alteration or repair, breakdown, misuse, faulty workmanship or design, the use of faulty materials, or its resulting loss or damage; 6. any loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism, or action taken by government authorities in hindering, combating or defending against such an occurrence; detention or destruction under quarantine or customs regulations, confiscation by order of any government of public authority or risk of contraband or illegal transportation or trade; 7. any loss of property which occurs when it is not being on the same public common carrier as the insured person, or souvenirs and articles mailed or shipped separately; 8. any loss of or damage to property which resumes to function normally after it has been fixed or repaired by a third party with no additional costs incurred by the insured person; 9. any loss of property when it is left unattended in public place; any unexplained loss or mysterious disappearance; 10. any loss of property left in unlocked vehicle, any property that is not locked inside a trunk of the vehicle; 11. any loss of data recorded on tapes, cards, diskettes; 12. damage to any brittle or fragile items such as glass or crystal; 13. 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 if the event occurs in an aircraft; 14. any loss claimed under Section 10 - Baggage Delay Allowance of Part 2 of this policy arising from the same cause; 15. any loss of or damage to property insured under any other policy or certificate of insurance, or otherwise reimbursed by public common carrier or a hotel or other parties. Section 6 Loss of Personal Money We will reimburse the insured person for the loss of personal money, that is, cash, cheques, money order or traveller s cheques only, 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, up to the maximum benefits stated in the table of benefits. 12

13 Exclusions applicable to Section 6 This section does not cover: 1. in respect of any loss not reported to the local police, or hotel management or public authority, as appropriate, within twenty-four (24) hours upon discovery of loss and for which a relevant report is not obtained at the place of loss; 2. loss of traveller s cheque not immediately reported to the local branch or agent of the issuing authority; 3. shortage due to error, omission, exchange or depreciation in value; 4. any unexplained loss or mysterious disappearance; or 5. any loss arising from fraud or deception. Section 7 - Loss of Travel Document and/or Travel Ticket We will pay the replacement cost of the Hong Kong Identity Card, credit cards, driving license, travel ticket or travel document belonging to the insured person which is accidentally lost during the insured journey. In the event of the accidental loss of travel ticket and/or travel document belonging to the insured person during the insured journey, we will also reimburse the additional travelling expenses and/or accommodation expenses incurred by the insured person, provided that the maximum HKD2,000 per day limit for travelling and accommodation. In no event shall the total amount payable under this Section 7 - Loss of Travel Document and/or Travel Ticket exceed 100% of the maximum benefit stated in the table of benefits. Exclusions applicable to Section 7 This section does not cover: 1. any loss not reported to the local police within twenty-four (24) hours upon discovery of loss and for which such police report is not obtained at the place of loss; 2. any loss of travel document and/or visa and/or travel ticket which is not necessary for completing the insured journey; 3. any loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism, or action taken by government authorities in hindering, combating or defending against such an occurrence; detention or destruction under quarantine or customs regulations, confiscation by order of any government of public authority or risk of contraband or illegal transportation or trade; 4. any loss of property left in unlocked vehicle, any property that is not locked inside a trunk of the vehicle; 5. any loss of property when it is left unattended in public place; any unexplained loss or mysterious disappearance; 6. any fine or penalties incurred due to non-replacement or late replacement of the documents by the insured person; or 7. the replacement costs of both the temporary and permanent versions of the same travel document. In the event of such loss, the insured person may claim only one (1) version of the same document. Section 8 Personal Liability We will indemnify any amount which the insured person becomes legally liable to pay as compensation and / or legal expenses for an accident occurring during the insured journey which causes death or injury to a third party 13

14 or damage to property of a third party, up to the maximum benefit stated in the table of benefits. However, the insured person must not make any offer or promise of payment or admit liability to any other party, or become involved in any litigation without our prior written approval. Exclusions applicable to Section 8 This section does not cover liability arising directly or indirectly from: 1. any business, profession or trade; 2. any wilful, malicious or unlawful act of the insured person or any criminal acts; 3. any cause whatsoever due to any person who is the immediate family member or domestic partner or relative or employer or employee of the insured person; 4. contracts; 5. ownership, possession, use or control of any vehicle, aircraft, watercraft, land, buildings, firearms or animals; 6. damage to property owned by or held in trust or in the custody of the insured person, or the immediate family member or domestic partner or relative or employer of the insured person; 7. any act of terrorism, regardless of any other cause or event contributing concurrently or in any other sequence to the loss; or 8. any action in controlling, preventing, suppressing, retaliating against or responding to any such act of terrorism. Section 9 Travel Delay In the event that the public common carrier in which the insured person has arranged to travel is delayed from the departure or arrival time specified in the insured person s original itinerary as a result of strike or other industrial action, riot, civil commotion, hijack, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the public common carrier, or airport closure, we will pay the following benefits to the insured person: (a) Travel Delay HKD300 for each and every full six (6) hours of delay up to the maximum benefits as stated in the table of benefits. The period of delay will be calculated as follows: departure delay will be calculated starting from the original scheduled departure time of the public common carrier specified in the itinerary provided to the insured person, until the actual departure time (i) of the original public common carrier or (ii) the first available alternative transportation offered by that public common carrier; or arrival delay will be calculated starting from the original arrival time specified in the itinerary provided 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 or arrival delay of the same public common carrier. If the insured person has consecutive connecting flights, the delay is to be calculated based on the difference between actual arrival or departure time, as the case may be, and that stated on the itinerary regardless of the time spent on transit and the proximate cause of the delay must be one (1) of the causes set out in the first paragraph of this Section 9. 14

15 (b) Extra Re-routing Cost due to Travel Delay The additional costs incurred by the insured person for the purchase of a one-way economy class travel ticket in order to travel to the planned destination as specified in his/her original itinerary by an alternative public common carrier after at least twelve (12) hours of delay, up to the maximum benefits stated in the table of benefits. This benefit cannot be claimed for more than once for any one (1) insured journey. Special Conditions for Section 9 1. The insured person must have checked-in for the original scheduled public common carrier and all claims must be substantiated by written confirmation from the public common carrier on the number of hours of delay and the reason for such delay or such other proof as we may reasonably require. 2. In the event that the original scheduled public common carrier is cancelled due to the above-mentioned reasons as stated in the first paragraph of this section and no alternative transportation is arranged to the insured person by that public common carrier, the insured person can only claim for Section 9(a) Travel Delay or Section 9(b) Extra Re-routing Costs due to Travel Delay. Exclusions applicable to Section 9 This section does not cover: 1. delay of the insured journey as a result of any circumstance which is existing or announced before the effective date; 2. any loss arising from late arrival of the insured person at the airport or port (i.e. arrival at a time later than the time required for check-in or booking except for the late arrival due to strike by the employees of the public common carrier); 3. any loss in relation to alterations to original itinerary that is not verified by the airline, travel agency or other relevant organizations; 4. any loss arising from air traffic control by local government or relevant authorities, or any loss arising from any government s regulations control or act; 5. any circumstances covered by any other insurance scheme, government programme or which will be paid or refunded by public common carrier, travel agency, tour operator or other provider of any service forming part of the booked itinerary (except for Section 9(a) - Travel Delay);or 6. any losses reimbursed under Section 11 Cancellation of Trip arising from the same cause. Section 10 Baggage Delay HKD300 for each and every full six (6) hours of delay in the event of the insured person s checked-in baggage being delayed for over six (6) hours after the insured person s actual arrival at the scheduled destination abroad, regardless of the number of checked-in baggage, we will pay a lump sum allowance as stated in the table of benefit to the insured person, and subject to the same delayed checked-in baggage can only be claimed once by one (1) insured person in any one (1) insured journey. Special Condition for Section 10 All claims must be substantiated by written confirmation from the public common carrier on the number of hours of delay, the reason of such delay and the identified checked-in baggage. 15

16 Exclusions applicable to Section 10 This section does not cover: 1. any baggage not being on the same public common carrier of the insured person or souvenirs and articles mailed or shipped separately; 2. any loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism, or action taken by government authorities in hindering, combating or defending against such an occurrence; detention or destruction under quarantine or customs regulations, confiscation by order of any government of public authority or risk of contraband or illegal transportation or trade;or 3. any loss reimbursed under Section 5 - Personal Baggage Cover arising from the same cause. Section 11 Cancellation of Trip In the event that the insured person has to cancel the insured journey as a result of any the following: (i) death, serious physical injury or serious illness of the insured person, immediate family member, domestic partner or travel companion within ninety (90) days before the departure date of the insured journey; (ii) witness summons, jury service or compulsory quarantine of the insured person within ninety (90) days before the departure date of the insured journey; (iii) unexpected outbreak of strike, riot, civil commotion, infectious disease, adverse weather conditions or natural disaster at the planned destination arising within one (1) week before the departure date of the insured journey; or (iv) serious damage to the insured person s or travel companion s principal home in Hong Kong due to fire, flood, earthquake or similar natural disasters within one (1) week before the departure date of the insured journey which requires the insured person s presence in Hong Kong on the departure date of the insured journey for the purpose of police investigation; we will pay for the loss of unused travel fare and/or accommodation expenses which have been paid in advance and for which the insured person is legally liable and which are not recoverable from any other sources, up to the maximum benefit stated in the table of benefits. Section 12 Curtailment of Trip In the event that after the insured journey has begun, the insured person has to abandon the insured journey and return to Hong Kong due to: (i) death, serious physical injury or serious illness of the insured person, immediate family member, domestic partner or travel companion; or (ii) unexpected outbreak of strike, riot, civil commotion, infectious disease or natural disaster at the planned destination which prevents the insured person from continuing the insured journey; we will pay for the loss of unused travel fare and/or accommodation expenses for which the insured person is legally liable and which is not recoverable from any other sources, or additional actual travel fare and/or accommodation expenses reasonably and necessarily incurred for the insured person to return to Hong Kong. If the insured journey is a packaged group tour arranged by travel agency, the benefit payable for the curtailment expenses in relation to the loss of unused travel fare and/or accommodation expenses forfeited will be calculated in proportion of the packaged group tour cost to the number of days remaining after the relevant interruption of the insured journey. 16

17 The insured person can only claim either the forfeited expenses for unused days of the insured journey or additional expenses incurred for the curtailment. In no event shall the total amount payable under Section 12 Interruption of Trip exceed the maximum benefits stated in the table of benefits. Exclusions applicable to Section 11 and Section 12 These sections do not cover: 1. any circumstances leading to the cancellation or curtailment of the insured journey which is existing or announced before the effective date; 2. if the purpose of the insured journey is to obtain medical treatment or the insured journey is undertaken against the medical practitioner s recommendation; 3. any medical condition or other circumstances known to have existed before the effective date; 4. any loss directly or indirectly arising from any government s regulations control or act, or air traffic control by local government or relevant authorities; 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; 5. 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 rearrange the travel arrangement immediately when it is found necessary to do so; 6. any loss in relation to cancellations or rearrangements to schedules that is not verified by the airline, travel agency or other relevant organizations; 7. 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; 8. failure to obtain a written medical report from the medical practitioner; 9. any expenses incurred for services provided by another party for which the insured person is not liable to pay and/or any expenses already included in the cost of a scheduled insured journey; 10. any loss if the insured person refuses to follow the recommendation of a medical practitioner to return to Hong Kong, or refuses to continue the insured journey whilst the insured person s physical condition at the time of recommendation is fit for travel (applicable to Section 12 - Curtailment of Trip only); or 11. in respect of losses reimbursed under Section 9 - Travel Delay arising from the same cause. Section 13 Rental Vehicle Excess If the insured person rents a rental vehicle in the course of the insured journey which is involved in a collision whilst under the control of the insured person or such vehicle is stolen or damaged and the rental agreement includes an excess (or deductible or similar condition), we will reimburse the insured person for the rental vehicle excess up to the maximum benefits stated in the table of benefits for the liable loss or damage of the rental vehicle. This benefit cannot be claimed for more than once for any one (1) insured journey. Special Condition for Section 13 The insured person must take relevant comprehensive motor vehicle insurance provided by the rental organization against loss or damage to the rental vehicle during the rental period. 17

18 Exclusions applicable to Section 13 This section does not cover: 1. any use of the rental vehicle by the insured person that is in violation of the terms of the rental agreement or applicable comprehensive motor vehicle insurance policy; 2. any condition under the influence of alcohol or drugs of the insured person who is in charge of a rental vehicle; 3. any illegal or unlawful use of the rental vehicle by the insured person during the rental period; 4. the insured person not holding a valid driving license of the country. Part 3 General Exclusions This policy does not cover any loss or liability directly or indirectly arising as a result of or in connection with: 1. any pre-existing condition, congenital and hereditary condition; 2. any illegal or unlawful act by the insured person or the insured person s direct participation in strike, riot or civil commotion or terrorism; confiscation, detention, destruction by customs or other authorities; 3. the insured person not taking all reasonable efforts to safeguard his/her property/money, or to avoid injury to minimize any claim under this insurance; 4. riding or driving in any kind of motor racing, competition, or engaging in a sport in a professional capacity or where the insured person would or could earn income or remuneration from engaging in such sport; 5. suicide or intentional self-inflicted injury; 6. insanity, mental or nervous disorders, any condition under the influence of alcohol or drugs (other than those prescribed by a medical practitioner), alcoholism; drug addiction or solvent abuse; 7. any condition resulting from pregnancy, childbirth or miscarriage, abortion, pre-natal care as well as postnatal care and other complications arising therefrom, venereal disease; 8. any home leave while the insured person is confined to a hospital as an in-patient; 9. being a crew member or an operator of any air carrier; 10. any activity or involvement of the insured person in the air unless such insured person is at the relevant time (i) travelling as a fare paying passenger on a regular scheduled flight or licensed chartered aircraft, or (ii) participating in such activity where the maneuver or navigation of such activity is responsible by another person who is adequately licensed for guiding such activity and the provider of such activity must be authorized by the relevant local authority; 11. engaging in any kind of labour work; engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives, performing as an actor/actress, being a site worker, fisherman, cook or kitchen worker, tour guide or tour escort; naval, military or air force service or operations or armed force services; 12. any injury, illness, death, loss, expense or other liability attributable to HIV (Human Immunodeficiency Virus) and/or HIV-related illness including AIDS and/or any mutant derivative or variations thereof however caused or however named; 13. any event arising from war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, insurrection, military force or coup; 14. trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level; 15. any medical treatment received during an insured journey which was taken for the purpose of receiving medical treatment or if the insured journey was taken while the insured person was unfit to travel; or the 18

19 insured person is travelling against the advice of a medical practitioner; 16. any expenses that can be compensated from any other sources except for Section 1(b) - Overseas Hospital Daily Cash Benefit, Section 3 - Personal Accident, Section 9(a) - Travel Delay and Section 10 Baggage Delay Allowance of Part 2 of this policy; 17. any insured person who is a holder of the People s Republic of China passport and travels to/within China. However, this exclusion will be waived if such insured person has an official document issued by an overseas government (other than China) as proof that he/she is a legal resident of the relevant country and travelling with a passport of the People s Republic of China; or 18. any expenses, consequential loss, legal liability or loss of or damage directly or indirectly arising from: ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component. Part 4 General Conditions 1. At the time of effecting this policy the insured person must be fit to travel; otherwise we shall have the right to repudiate any liability under this policy. 2. All trips must depart from Hong Kong or with the final destination as Hong Kong provided that the travel arrangements must be made and paid in Hong Kong. For insured journey which is not departing from Hong Kong, all the words "Hong Kong" which appears in the policy (Except for the definitions of China and Hong Kong under Part 1 and all provisions under Part 5) shall be changed to read as "Departure Country" except for the currency. The following benefits shall not be available unless the insured journey is departing from and returning to Hong Kong: follow-up medical expenses under Section 1(a) Medical Cover and Section 2 - Zurich Emergency Assistance of Part 2 of this policy. 4. For single trip travel plan, no refund of premium is allowed once the policy has been issued and the policy cannot be renewed once it has expired. 5. The maximum period of the insured journey for single trip travel plan shall not exceed one hundred and forty-five (45) days per trip. 6. If the insured journey cannot be completed within the period stated in the original official itinerary issued by the travel agent, public common carrier or cruise company due to any circumstances which are beyond the insured person s control and arise after the insured journey has begun, we will automatically extend the cover period of insurance, subject always to a maximum of ten (10) calendar days, without charge for such a period as is reasonably necessary for completion of the insured journey. 7. The insurance is valid only for conventional leisure travel or business travel during which the insured person performs office or management duties without any manual work. The insurance shall not apply to persons undertaking expeditions, treks, equipped mountaineering or similar journey. 8. If the insured person is covered under more than one (1) comprehensive voluntary travel insurance policies underwritten by us for the same insured journey, only the travel insurance policy with the greatest compensation will apply and benefits thereunder be payable. Part 5 General Provisions 1. Entire Contract This policy including all relevant documents will constitute the entire contract between the parties. No agent or 19

20 other person has the authority to change or waive any provision of this policy. No changes in this policy shall be valid unless approved by our authorized officer and evidenced by endorsement of amendment. 2. Age Limit For single trip travel plan, the insurance applies to any insured person at all ages. 3. Notice of Claims Written notice of claim must be given to us by the insured person within thirty (30) days of the date of the incident causing such loss. In the event of accidental death, immediate notice thereof must be given to us. All certificates, information and evidences required by us shall be furnished at the expenses of the insured person s or their personal representative and shall be in such form and of such nature as we may prescribe. If the insured person does not comply with this condition, we shall have the sole discretion to decide not to pay any benefits under this policy. 4. Proof of Loss Written proof of loss must be furnished to us within thirty (30) days from the date of issuance of our receipt of the claim form provided to us. Failure to furnish such proof within the specified time frame shall not invalidate any claims if it was not reasonably practicable to provide proof within such time, provided that such proof is furnished as soon as reasonably practicable, and in no event later than one hundred and eighty (180) days from the time when such proof is otherwise required. All certificates, information and evidence in such form and of such nature and within such time as we may reasonably require shall be furnished at the expense of the claimant without any expense to us. 5. Claims Admittance In no case shall we be liable in respect of any claim after the expiry of twelve (12) months from the occurrence of the incident giving rise to a claim under the policy unless the claim has been admitted or is the subject of a pending legal action or arbitration. 6. Medical Examination We shall be entitled in the case of non-fatal injury to call for examination by a medical referee appointed by us if we deem necessary and in the event of death to have a post-mortem examination at our expense. The result of such examination shall be our property. 7. Payment of Claims We will pay all benefits (except for Section 2(b) and 2(c)) to the insured person for their respective rights and interests. Benefits payable under Section 2(b) - Emergency Medical Evacuation and Section 2(c) - Repatriation of Mortal Remains will be paid directly to the service provider. All payment of claims in this policy shall be in Hong Kong dollars and are payable to the insured person after the receipt of due proof upon our approval. In the event of accidental death of the insured person, we will pay all the pending benefits to the estate of the insured person. All indemnities provided in this policy will be paid immediately after the receipt of due proof upon our approval. 8. Liability Claims The insured person must not admit, deny, or settle a claim without our consent. 9. Misrepresentation or Non-disclosure If the insured person, or anyone acting on behalf of the insured person makes a statement in the application or in connection with any claim knowing that the statement is false, or fail to disclose pre-existing conditions or fail to act in utmost good faith, we will not be liable for any claim and all covers and benefits under this policy shall cease immediately. We will not be liable to refund any premium paid. If any benefit has been paid by us, the 20

21 insured person shall refund such benefit to us within seven (7) working days from the date of our notice of demand. 10. Misstatement of Age If the insured person s age has been misstated, the premium difference would be returned or charged according to the correct age. In the event that the insured person s age has been misstated and if, according to the correct age, the coverage provided by this policy would not have become effective, or would have ceased prior to the acceptance of each premium or premiums, then our liability shall be limited to the refund of premium paid for this policy, and we will be entitled to void or terminate this policy totally. No refund shall be provided for any child(ren) covered under a family plan. 11. Zurich Emergency Assistance The service provider of Zurich Emergency Assistance is an independent service provider providing such respective services to the insured person upon his/her request. We or any of our affiliates, agents, or employees of any of them has no responsibility or liability of any act, default, negligence, error or omission of the relevant service provider of Zurich Emergency Assistance or any of its respective employees, agents or representatives. 12. Other Insurance If at the time of a claim there is any other policy insured by other insurance company which also provides the same benefits as the ones being claimed under this policy, we will only be liable for our proportionate share (except for Section 1(b) - Overseas Hospital Daily Cash Benefit, Section 3 - Personal Accident, Section 9(a) - Travel Delay and Section 10 Baggage Delay Allowance of Part 2 of this policy) which will be paid under this policy. 13. Clerical Error Our clerical errors shall not invalidate insurance otherwise valid nor continue insurance otherwise not valid. 14. Legal Action No legal action shall be brought to recover on this policy prior to the expiration of sixty (60) days after written proof of claims has been filed in accordance with the requirements of this policy, nor shall such action be brought at all unless commenced within one (1) year from the expiration of the time within which proof of claims is required. 15. Subrogation We have the right to proceed at our own expense in the name of the insured person against third parties who may be responsible for an occurrence giving rise to a claim under this policy, and the insured person shall concur in doing and permit to be done all such acts and things as may be necessary or reasonably required by us for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other parties to which we are entitled by virtue of our right hereunder. 16. Alternative Dispute Resolution In the event of a dispute arising out of the policy, the parties may settle the dispute through mediation in good faith in accordance with the relevant Practice Direction on civil mediation issued by the Judiciary of Hong Kong and applicable at the time of dispute. If the parties are unable to settle the dispute through mediation within ninety (90) days, the parties shall refer the dispute to arbitration administered by the Hong Kong International Arbitration Centre ( HKIAC ) under the HKIAC Administered Arbitration Rules in force when the Notice of Arbitration is submitted. The law of this arbitration clause shall be Hong Kong law and the seat of arbitration shall be Hong Kong. The number of arbitrators shall be one (1) and the arbitration proceedings shall be conducted in English. It is expressly stated that the obtaining of an arbitral award is a condition precedent to any right of legal action arising out of the policy. Irrespective of the status or outcome of any form of alternative dispute resolution, if we 21

22 deny or reject liability for any claim under the policy and the insured person does not commence arbitration in the aforesaid manner within twelve (12) calendar months from the date of our disclaimer, the insured person s claim shall then for all purposes be deemed to have been withdrawn or abandoned and shall not thereafter be recoverable under the policy. 17. Right of Third Parties Other than the insured/policyholder or the insured persons or as expressly provided to the contrary, a person who is not a party to this policy has no right to enforce or to enjoy the benefit of any term of this policy. Any legislation in relation to third parties' rights in a contract shall not be applicable to this policy. Notwithstanding any terms of this policy, the consent of any third party is not required for any variation (including any release or compromise of any liability under) or termination of this policy. 18. Compliance with Policy Provisions Failure to comply with any of the provisions contained in this policy shall invalidate all claims hereunder. 19. Statement of Purpose for Collection of Personal Data All personal data collected and held by us will be used in accordance with our privacy policy, as notified to the insured person from time to time and available at this website: The insured person shall, and shall procure all other insured person covered under the policy to, authorize us to use and transfer data (within or outside Hong Kong), including sensitive personal data as defined in the Personal Data (Privacy) Ordinance (Cap.486), Laws of Hong Kong, for the obligatory purposes as set out in our privacy policy as applicable from time to time. When information about a third party is provided by the insured person to us, the insured person warrant that proper consents from the relevant data subjects have been obtained before the personal data are provided to us, enabling us to assess, process, issue and administer this policy, including without limitation, conducting any due diligence, compliance and sanction checks on such data subjects. 20. Governing Law and Jurisdiction The policy shall be governed by and interpreted in accordance with the laws and regulations of Hong Kong. Subject to the Alternative Dispute Resolution clause herein, the parties agree to submit to the exclusive jurisdiction of the Hong Kong courts. Claims Procedure Step 1: Notify us within thirty (30) days of any occurrence which may give rise to a claim. Step 2: Complete and provide a claim form and the following documents to us. Medical Expenses Original medical bills issued by a clinic or hospital with the itemized list and / or details of the medical expenses Copy of a dated medical report / certificate showing the name of the insured person, diagnosis and treatment certified by medical practitioner Referral letter issued by a medical practitioner certifying that the recommendation for trauma counselling is based solely on the a traumatic event the insured person has experienced during the insured journey Personal Accident Copy of a death certificate Copy of a dated medical report / certificate issued by a medical practitioner certifying the degree or severity 22

23 of disability Police report and /or coroner s report, where relevant Letters of Administration or Grant of Probate (In the event of a disappearance) Presumption of death as proclaimed by a court or documents proving the disappearance of the body for one year due to sinking or wrecking of the transportation means Compassionate Visit Copy of a death certificate Copy of documents for the proof of relationship (e.g. birth certificate, marriage certificate etc) Original official receipts for the paid travel fare and/or accommodation Personal Baggage Copy of police report (which must be made within twenty-four (24) hours of the occurrence) and / or property irregularity report from airline/public common carrier, where relevant Original purchase receipts for the lost /damaged item (s) Copy of repair quotation for the damaged item (s) Photographs showing the extent of damage to the claim item (s) Loss of Personal Money, Travel Document and/or Travel Ticket Copy of police report (which must be made within twenty-four (24) hours of the occurrence) Original official receipts for extra accommodation fee, travel expenses and replacement cost of the lost travel document and/or travel ticket Copy of notification to the issuing authority in respect of loss of traveller s cheques (which must be made within twenty-four (24) hours of the occurrence) Baggage Delay Copy of written report from the related public common carrier including date, times and duration and reason of the delay Travel Delay/Re-routing cost Copy of written report from the related public common carrier including date, times and duration and reason of the delay Original receipt(s) issued by the public common carrier for the cost of the actual ticket(s) Cancellation or Curtailment of Trip Original official receipts for the prepaid travel fare and / or accommodation and /or travel tour and / or shore excursion tour Copy of a death certificate / dated medical report / certificate showing the name of the insured person / close business partner / immediate family members / domestic partner / travel companion, diagnosis and treatment certified by medical practitioner Summons to a witness or jury service or compulsory quarantine Evidence showing the serious damage to the insured person s principal home Written confirmation from the public common carrier including date, times in the event of mechanical and/or 23

24 electrical breakdown Copy of documents for the proof of relationship (e.g. birth certificate, marriage certificate, etc.) Copy of written confirmation issued by airlines /public common carrier /cruise company / accommodation provider and travel agent indicating whether there is any refund for the paid travel fare and / or accommodation and /or travel tour and / or excursion tour Personal Liability Statement of the nature and circumstances of the incident or event (No admission of liability or settlement can be made or agreed to without our written consent) Copy of police report or incident report issued by relevant authority All associated documentation received in connection with the incident or event (including copies of any summons, all court documents, solicitors and other legal correspondence) Rental Vehicle Excess Copy of Vehicle rental agreement Copy of the comprehensive motor vehicle insurance showing details of coverage and the deductible taken out by the insured person for the rental vehicle Copy of incident report issued by vehicle rental company and/or police report, both documents showing details of accident Original invoice/receipt showing the charge of the rental vehicle excess by the rental company Additional documents relevant to the claim may be required and to be forwarded upon our request. What To Do When the Insured Person Needs Help In a medical or other emergency, call our 24-hour Zurich Emergency Assistance hotline in Hong Kong via and quote the insured person s name and the policy number printed on the schedule. An experienced assistance coordinator will handle the insured person s enquiry. To make a claim, call our claims hotline on For our customer service, call our enquiry hotline on Customer Services Hotline: Our office hours are Monday to Friday 9:00 a.m. to 5:30 p.m. There are two versions of this policy, one in English and one in Chinese. If there is any discrepancy between the English and the Chinese versions, the English version shall prevail. 24

25 攜程旅遊保險計劃當 本公司 收妥保費後, 即依據本保險單或批註內的定義 不承保事項 限制 條款和條件, 同意承保名字列於 附表 內之 受保人 及對有關 受保旅程 之損失作出賠償 第一部份 詞彙的定義本保險單內某些詞彙具有指定含意, 釋義已分別列明於下 為方便識別有關詞彙, 特將此等詞彙全部加上引號 意外 在 受保旅程 中, 任何不可預見或預料並導致 受保人 蒙受 損傷 之突發事件 住宿 指房租費用 中國 指中華人民共和國, 惟不包括 香港 及 澳門 強制隔離 是指 受保人 必須於 醫院 內之隔離病房 住院 或政府指定之隔離地點最少一整日, 並連續逗留於該隔離地點直至可以離開隔離區為止 住院 因損傷或疾病而須遵照 醫生 囑咐入住 醫院 接受治療並在出院前一直逗留於 醫院 內 受保人 須出示 醫院 發出的每日病房及膳食費用單據, 以作證明 同居伴侶 一名年齡十八歲或以上 選擇以親密和忠誠的關係與 受保人 共同生活的未婚成年人, 與 受保人 同居於一起最少三年或以上並以此為長遠目標, 以及能提供相關住址證明 同居伴侶並不包括室友或任何 直系親屬 生效日期 指 (i) 本保險單的簽發日期或 (ii) 第十一節 取消旅程保障開始生效之日期, 以較遲者為準 覆診 直接因 受保人 在 受保旅程 中已接受治療的 損傷 或 疾病 所引致的治療 香港 中華人民共和國香港特別行政區 醫院 符合下列條件的機構 : 持牌醫院 ( 如所在國家或司法管轄區規定領有牌照 ); 及 主要業務為接受患病 染恙或受傷人士住院及提供醫療護理服務 ; 及 駐有註冊護士或合格護士每天 24 小時提供看護服務 ; 及 一名或以上持牌 醫生 時刻駐院 ; 及 提供有組織的設施為住院病人進行醫學診斷及大型外科手術 ; 及 主要業務並非診所 護理院 療養院 復康院或同類機構, 亦非戒酒所或戒毒所 疾病 受保人 於 受保旅程 中感染或開始患上的疾病或病症, 以致構成本保險單所承保的損失 直系親屬 受保人 的配偶 父母 配偶父母 祖父母 / 外祖父母 子女 兄弟姊妹 孫兒女或合法監護人 傳染病 指任何被世界衛生組織宣佈由人傳人感染及已在有關當地人口中廣泛傳播的傳染病 損傷 純粹因 意外 而非任何其他事故下所蒙受之身體損傷 25

26 受保旅程 單次旅遊計劃中, 是指 受保人 為出境 香港 而離開香港入境事務處 / 櫃檯開始, 直至 受保人 (i) 於列明於 附表 內完成旅程之日期返回 香港 或 (ii) 返回 香港 境內抵達香港入境事務處 / 櫃檯為止, 二者以較先為準 無論如何, 單次旅遊計劃之保險日數不得超過 45 天 如是單程的單次旅遊計劃, 其出境或入境國家必須為 香港 及其保險期限最長期限不得超逾十五天 受保人 附表 或批註內註明為受保人之人士 行程表 在 受保旅程 開始前已由 公共交通工具 機構 旅行社 旅遊承辦商或郵輪公司確定, 並連同正式收據或確認文件一同簽發的詳細行程計劃 手提電腦 手提電腦 記事簿型電腦或迷你記事簿型電腦, 惟不包括個人數碼助理 (PDA), 掌上電腦 (HHC) 或任何類型之平板電腦 失聰 永久 及無法恢復之聽力, 如 : a - 分貝 = 500 赫茲失聰 b - 分貝 = 1,000 赫茲失聰 c - 分貝 = 2,000 赫茲失聰 d - 分貝 = 4,000 赫茲失聰即 1/6 (a + 2b + 2c + d) 高於 80 分貝 失明 視力完全喪失及 永久 無法復原 喪失說話能力 無法發出說話所需的四種語音中的三種, 例如唇音 齒齦音 顎音及軟顎音, 或聲帶完全喪失功能, 或大腦控制說話的中樞受損, 導致語言失能症 殘廢 永久 完全喪失功能, 或完全及 永久 失去肢體或器官 澳門 中華人民共和國澳門特別行政區 最高賠償額 列於本保單的 保障表 內每項受保保障的賠償額 醫療必需費用 是指 受保人 於 受保旅程 中由第一日遭遇 損傷 或感染 疾病 起計所須支付予 醫生 物理治療師 護士 醫院 及 / 或救傷車服務的費用, 包括醫藥 手術 X 光檢查 醫院 或護理治療包括醫療用品及租用救傷車的費用, 但不包括本保險單第二部份第二節 (b)- 緊急醫療運送及第二節 (c)- 遺體運返兩項保障所需的任何費用 本保險單僅負責賠償經 醫生 所處方或治療的費用 倘 受保人 可從其他來源取回全部或部份費用, 本公司 則根據保險單條款負責賠償剩餘的費用 醫生 擁有西方醫藥學位及已獲准在其執業的地區合法提供醫療及外科服務的人士, 惟 受保人 或 直系親屬 除外 永久 意外 事故發生之日起計, 損害情況持續至少 12 個月, 並於此段時間終結時沒有好轉之跡象 投保前已存在的傷疾 指 受保人 或 同行人士 於 生效日期 前已曾接受 醫生 之治療 診症或傷疾處方服藥, 又或 醫生 曾作出醫療建議或治療的任何狀況 主要居所 26

27 在 香港 被用作為私人住宅的屋苑或樓宇, 而該屋苑或樓宇須為 受保人 唯一的永久住所 公共交通工具 任何由個別公司或個人持牌出租的機動客運交通工具以接載付款乘客, 包括但不限於公共巴士 旅遊巴士 渡輪 氣墊船 水翼船 輪船 火車 電車 郵輪或地下火車, 及由註冊的航空公司或包機公司營運以接載付款乘客 來往於商業機場之間的飛機 有關文件 包括 附表 申請表 ( 如有 ) 聲明 附加保障 批單 附件及修訂本 ( 不論以口述或書面形式 ) 附表 隨附本保險單名為 Schedule 並構成保單一部份之附表 嚴重損傷 或 嚴重疾病 需經由 醫生 治療的損傷或疾病, 並經 醫生 證實 受保人 或 同行人士 不適宜旅遊 ( 或繼續 ) 其原定的 受保旅程 及必須於 醫院 住院 嚴重損傷或嚴重疾病亦包括 受保人 或 同行人士 因損傷或疾病而被任何司法 政府或機場之管理機構拒絕登上原定之 公共交通工具 或被拒絕入境 若套用於 直系親屬 或 同居伴侶, 是指其 直系親屬 或 同居伴侶 的損傷或疾病, 經 醫生 證明他們會有生命危險及必須於 醫院 住院, 以致 受保人 需要停止或取消原定 受保旅程 保障表 指在本保單第二部份 保障內的報表, 當中列明各保險計劃中不同保障項目的 最高賠償額 恐怖活動 任何個人或團體, 不論獨自行動或代表任何組織或與任何組織有關連, 為達到政治 宗教 信念或類似目的, 作出任何意圖影響任何國家 政治部門, 或由此而威脅公眾或任何國家的部份公眾的行為 準備或恐嚇的行動 任何恐怖活動必須經有關政府確認及公開宣怖 惟本定義並不包括 戰爭 侵略 外敵行動 敵對局面 ( 不論曾正式宣戰與否 ) 內戰 叛亂 暴動 軍事力量或政變, 或任何使用核子技術的行為 三級燒傷 皮膚所有皮層及皮下組織被燒毀 完全傷殘 受保人 遭遇 意外 而蒙受 損傷, 並且於事發後連續 12 個月內完全不能從事任何根據 受保人 的學歷 專業訓練或經驗而可賺取薪金 酬勞或利益的工作 如 受保人 並無從事任何職業或工作, 則指其喪失應付日常生活事務的能力 同行人士 與 受保人 一同報名參加或預訂旅遊行程的人士, 於整個 受保旅程 一直與 受保人 同行, 而非其導遊或團友 旅行票 用以乘坐任何 公共交通工具 的旅行票 戰爭 兩國或多國因任何目的交戰, 或主權國家之間的武裝衝突, 又或正式宣戰或未正式宣戰的公開軍事衝突, 又或國與國之間經主權國正式授權而 : (i) 終止和平關係及 (ii) 陷入武裝敵對的局面 本公司 蘇黎世保險有限公司 27

28 第二部份 保障 保障表 節數 保障範圍 每名 受保人 每次 受保旅程 之 最高賠償額 ( 港元 ) 1. 醫療保障 歲至 70 歲之 受保人 17 歲或以下或 70 歲以上之 受保人 (a) 醫療費用 1,500,000 1,500,000 (17 歲或以下 ) 750,000 (70 歲以上 ) 包括 覆診 費用限額 150,000 - 跌打針灸治療 ( 每日每次上限 200 港元, 最高累積至 2,400 港元 ) (b) 海外 醫院 現金津貼保障 ( 每日 500 港元 ) 10, 蘇黎世緊急支援 (a) 入院保證金 40,000 (b) 緊急醫療運送 實際費用 (c) 遺體運返 實際費用 (d) 24 小時電話熱線諮詢及轉介服務包括 3. 個人 意外 300, , 緊急啟程 (a) 近親探望 50,000 ( 包括一張來回經濟客位 旅行票 及 住宿 費用 ) (b) 隨行兒童護送 50,000 ( 包括一張單程經濟客位 旅行票 及 住宿 費用 ) 5. 行李保障包括 : 20,000 - 每件 每對 每套或每組物品限額 3,000 - 手提電腦 限額 10,000 - 所有相機及數碼攝錄機及其有關配件及裝備限額 5, 遺失個人現金 3, 遺失旅遊證件及 / 或 旅行票 10,000 ( 交通及 / 或 住宿 費用限額為每日上限為 2,000 港元 ) 8. 個人責任 2,000, 旅程延誤 (a) 旅程延誤 ( 每滿六小時之延誤賠償 300 港元 ) 4,500 (b) 因旅程延誤引致之更改行程費用 ( 延誤超過 12 小時 ) 5, 行李延誤 ( 每滿六小時之延誤賠償 300 港元 ) 1, 取消旅程 30, 旅程中斷 40, 租車自負額保障 5,000 第一節 醫療保障 (a) 醫療費用如 受保人 蒙受 損傷 或感染 疾病 並在 受保旅程 中已支付合理的 醫療必需費用, 本公司 會賠償有關實際之 醫療必需費用 予 受保人 覆診 費用本節亦承保 受保人 於返回 香港 後三個月內, 因以上的 損傷 或 疾病 需要繼續接受 醫生 的醫藥治療, 本公司 將負責賠償 受保人 所需的實際 醫療必需費用, 但不超過 保障表 所載之 覆診 費用限額 而

29 覆診 費用當中亦包括因同一 損傷 或 疾病 引起的跌打針灸治療, 每日每次上限為 200 港元, 最高累積至 2,400 港元 受保人 必須於蒙受上述 損傷 或感染上述 疾病 當日起計 12 個月內返回 香港, 否則不會獲得任何 覆診 費用之賠償 在任何情況下, 第一節 (a) 醫療費用的合共總賠償額不可超過保障表所載之 最高賠償額 100% 第一節 (a) 之特別條款每名 受保人 於 保障表 所載之 最高賠償額 將根據 受保人 於 受保旅程 出發當日之年齡為準 (b) 海外 醫院 現金津貼保障如 受保人 在 受保旅程 中蒙受 損傷 或感染 疾病 而需於海外 醫院 住院, 本公司 將支付每日現金津貼, 以 保障表 所載之 最高賠償額 為限 第一節的不承保事項本節並不承保 : 1. 任何非必要的醫療治療或任何並非由 醫生 推薦的醫療治療 ; 2. 任何有違 醫生 之勸喻出外旅遊, 或旅遊的目的為接受醫療或手術治療而所衍生之任何損失或治療費用 ; 3. 任何性質之牙科療程或治療, 惟因天然牙齒在 受保旅程 內因 意外 受損而需要治療則除外 ; 保障只適用於緊急情況並用以減輕痛楚及必須在合法之牙科診所或 醫院 內進行治療, 惟在任何情況下均不保障修復或補救程序 任何貴金屬的應用 矯齒治療 補牙 假牙及假體服務 ( 例如齒橋及假齒冠及其修補及相關費用 ); 4. 整容手術 糾正眼球折射的誤差或配用助聽器, 以及有關的處方費用, 除非於 受保旅程 中因 損傷 導致之必需診治費用 ; 5. 任何未能提供 醫生 的醫療報告佐證的手術或治療 ; 6. 根據 醫生 的意見, 在合理情況下該手術或治療在 受保旅程 中並非急切及醫療必須, 而且可合理地延期至 受保人 返回 香港 後進行 ; 7. 任何 覆診 費用支付予同時為 受保人 或 直系親屬 之 醫生 或 中醫 ; 8. 任何 醫院 內獨立或私人房間或半私人房間住宿 ( 除非 受保人 可提供 醫院 發出之書面文件以證明 醫院 內之大房已完全被佔用繼而需要入住半私人房間住宿 ) ; 或特別或私家看護的額外費用 ; 非醫療用的個人服務, 包括收音機 電話及類同的物品 ; 9. 採購或採用特別支架 ( 除非該特別支架的用途是由 意外 引致並由 醫生 建議使用 ) 儀器或裝置的額外費用 ; 或 10. 在身體狀況許何下, 受保人 拒絕依循 醫生 之建議返回 香港 或繼續其 受保旅程 第二節 蘇黎世緊急支援如 受保人 在 受保旅程 中蒙受 損傷 或感染 疾病, 蘇黎世緊急支援將安排以下保障及支付有關所需費用 : (a) 入院保證金蘇黎世緊急支援將為每名 受保人 提供因入住 醫院 而需繳付的住院保證金, 惟不超過 40,000 港元 如該保證金之用途並非保單第二部份 保障內第一節 - 醫療保障承保之項目, 則金額需退還給 本公司, 並一律由 受保人 自付 (b) 緊急醫療運送支付有關 受保人 因緊急醫療運送或運返所引致的必要及無可避免的交通 醫療服務及醫療用品費用 離境的時間 交通工具及離境最後目的地均由蘇黎世緊急支援服務完全根據醫療需要作出決定 (c) 遺體運返將 受保人 之遺體由身故地點運送回 香港 所引致合理及無可避免的開支, 又或經蘇黎世緊急支援服務批准於身故地殮葬的費用 (d) 24 小時電話熱線諮詢及轉介服務 (i) 啟程前諮詢援助 (ii) 轉介領使館 (iii) 轉介醫療服務人員或機構 (iv) 遺失護照援助 (v) 遺失行李援助 (vi) 轉介傳譯服務 (vii) 轉介律師 (viii) 電話醫療顧問服務 (ix) 住院期間監察病情 29

30 (x) 醫療費用保證金安排除非本保險單另行訂明承保, 如以上 (ix) 及 (x) 項的服務並非由 本公司 指定的醫生或專業醫療人員負責, 有開之 醫院 或 醫生 收取之住院或醫療費用一律由 受保人 負責支付 蘇黎世緊急支援服務由蘇黎世保險有限公司所委任的服務機構提供 第二節的不承保事項 本公司 不會就下列情況提供本節任何服務或支付其費用 : 1. 如 受保人 身處的地點有爆發 戰爭 的危險或政治危機, 以致無法或實際上不可提供本節訂明的服務 ; 2. 事前未經蘇黎世緊急支援服務書面同意及 / 或未經由蘇黎世緊急支援服務安排緊急醫療運送或遺體運返或其他費用 如 受保人 必須從偏遠或落後地區緊急撤離就醫而事前無法通知蘇黎世緊急支援服務, 鑒於任何延誤可能危害 受保人 性命或構成嚴重影響, 則屬例外 ; 3. 任何有違 醫生 勸喻, 而到 香港 境外的國家旅遊或居住 ; 或 4. 受保人 離開 香港 旅行或居住之目的是為啟程前已發生的意外或疾病而接受治療 休養或療養 第三節 個人 意外 如 受保人 因遭遇 意外 事故而蒙受 損傷, 而該 損傷 於 意外 發生後連續九十日內引致以下賠償表內任何之保障項目, 本公司 將根據賠償表所載該項目的百分比作出賠償, 最高至 保障表 所載之 最高賠償額 為上限 賠償表 保障項目 意外 死亡及傷殘 最高賠償額 百分比 1. 死亡 100% 2. 永久 完全傷殘 100% 3. 永久 及無法痊癒之四肢癱瘓 100% 4. 雙眼 永久 完全 失明 100% 5. 單眼 永久 完全 失明 100% 6. 喪失任何兩肢或任何兩肢 永久 完全 殘廢 100% 7. 喪失任何單肢或任何單肢 永久 完全 殘廢 100% 8. 喪失說話能力 及 失聰 100% 9. 永久 完全 失聰 (a) 雙耳 75% (b) 單耳 15% (i) 在同一宗 意外 事件中只會獲賠償以上保障項目的其中一項 假如在同一次 意外 事件中遭受多於一項保障項目, 則只按其在本節中可獲最高賠償額的一項賠償 (ii) 任何於保單內之 受保人 就上述任何一項保障項目獲得賠償後, 該 受保人 於保單內之所有保障即時終止, 但不會影響因該 意外 所導致的索償事宜 (iii) 如 受保人 蒙受 損傷 前已有任何與以上 2-9 保障項目所述的殘缺, 而在保單所承保之 損傷 後導致完全殘缺或 完全傷殘, 本公司 會就該 損傷 所引致的殘缺部份決定 最高賠償額 之百分比作為賠償 而於 損傷 前已出現的任何完全殘缺, 則不會獲得任何賠償 第三節的額外保障 1. 於本節中, 本公司 提供額外保障予 受保人 於以下時間蒙受的任何 損傷 : (i) 受保人 於安排乘坐的 公共交通工具 預定離港時間前三小時內, 直接從 香港 住所或慣常工作地點為出境 香港 而啟程到香港入境事務處 / 櫃檯以開始 受保人 的 受保旅程 ; 及 (ii) 受保人 在結束 受保旅程 時, 於安排乘坐的 公共交通工具 實際抵港時間後三小時內, 直接從香港入境事務處 / 櫃檯進入 香港 境內返回 受保人 的 香港 住所或慣常工作地點 2. 失蹤條款倘若 受保人 乘搭之飛機 陸上或海上之 公共交通工具 失蹤 墮毀或沉沒, 而 受保人 之遺體於該次 意外 事件發生後一年內, 仍無法尋回 ; 本公司 將視 受保人 在本保險單承保的 意外 事故中死亡而作出賠償 個人 意外 之最高賠償責任如任何個別人士同時受保於多張由 本公司 及 / 或其有關公司所簽發之保單或保險證書而每張均包括其個別定義之 30

31 意外 死亡及 永久 傷殘保障, 該名人士於所有有關之保單或保險證書的 意外 死亡及 永久 傷殘保障合共總賠償額不可超過 5,000,000 港元, 而每份保單或保險證書的賠償將根據總賠償額按比例分配 第三節的不承保事項本節並不承保一切由病毒及 / 或 疾病 引致的 損傷 第四節 緊急啟程 (a) 近親探望如 受保人 或 直系親屬 在 受保旅程 中死亡 或 受保人 遭遇 嚴重損傷 或患上 嚴重疾病 而需於 香港 境外之 醫院 住院 連續三天以上, 蘇黎世緊急支援將支付一張來回經濟客位 旅行票 予一名 直系親屬 或 同居伴侶 前往該地及其 直系親屬 或 同居伴侶 必要及無可避免地在當地引起的酒店 住宿 費用, 每日上限為 700 港元及最高至五日, 以陪伴及 / 或照顧 受保人 本保障只可在同一 受保旅程 中索償一次 (b) 隨行兒童護送如 受保人 在 受保旅程 中死亡 或遭遇 嚴重損傷 或患上 嚴重疾病 而需於 香港 境外之 醫院 住院 連續三天以上, 其同行之 17 歲以下之兒童因此而失去照顧, 蘇黎世緊急支援將支付一張單程的經濟客位 旅行票 予該名 ( 等 ) 兒童返回 香港, 最高至 保障表 所載之 最高賠償額 為上限 如有需要, 蘇黎世緊急支援亦可安排一名合資格的服務員陪伴該名 ( 等 ) 兒童返回 香港 第五節 行李保障如 受保人 穿戴或攜帶及屬於 受保人 的個人財物, 包括行李, 於 受保旅程 中意外遺失或損毀, 本公司 將根據以下個別限額上限, 但以不超過 保障表 所載的 最高賠償額 作出賠償 而任何存放在無人看管的上鎖汽車內之個人財物, 則必需存放在上鎖的汽車行李箱內 本公司 有權根據有關財物之損耗及折舊程度賠償其重估價值或維修該物品 若修理費用超越損毀物品之價值時, 本公司 於處理該賠償申請時會視該物品已遺失 個人行李的個別限額如下 : 1. 每位 受保人 的每件 每對 每套或每組物品的最高賠償限額為 3,000 港元 2. 每位 受保人 的每部 手提電腦 最高賠償限額為 10,000 港元 3. 每位 受保人 的攝錄及 / 或攝影器材上, 及其所有輔助配件或有關物品的最高賠償總額將不超過 5,000 港元 在任何情況下, 第五節 - 行李保障的合供總賠償額不可超過 保障表 所載之 最高賠償額 之 100% 第五節的不承保事項本節並不承保 : 1. 以下之物品 : 商業貨品或樣本 食品或飲料及 / 或藥物 煙草 隱形眼鏡 假牙及 / 或其配備 動物 汽車 ( 包括配件 ) 電單車 單車 船 發動機 或任何交通工具 家用傢具 古董 任何以黃金, 白金, 鑽石, 翡翠或珍珠做成或配有以上物料的手飾或配件 金錢 ( 包括支票, 旅行支票等 ) 電子貨幣 ( 包括信用卡或八達通的信用額等 ) 票券或證券 債券 流通票據 票或文件 ; 2. 任何手提電話, 包括電子手帳電話, 任何擁有對話功能之類似儀器及其他配件 ; 3. 手提電腦 因軟件或病毒問題故障或操作不善 ( 包括但不限於下載軟件 ); 4. 任何在發現遺失後 24 小時內未向當地警方或公共機構報告及未能提供有關報告的任何損失 ; 5. 任何由於磨損 逐漸退化 蟲蛀 侵蝕 腐蝕 腐爛 發霉 真菌 空氣狀況 光線作用 或在加熱 弄乾 清潔 染色 更換或維修 故障 使用不當 手工或設計欠佳 使用有問題物料等所造成或引致的損失或損毀 ; 6. 任何直接或間接因暴動 反叛 革命 內戰 篡權 恐怖活動 或因政府意圖阻礙 對或防禦此等動亂所引起的損失 ; 由於被海關條例而遭破壞或檢疫 ; 政府充公之違禁品或非法攜帶或交易的物品 ; 7. 與 受保人 不同 公共交通工具 寄運之物品, 或因獨立郵寄或付運紀念品與物件所引致的損失 ; 8. 已獲第三者或機構提供維修服務, 使操作回復正常的物品, 而 受保人 並不需要支付任何額外費用 ; 9. 任何在公眾場所因無人看管下而遺失的物品 ; 任何原因未明的遺失或神祕失蹤 ; 10. 在沒上鎖的車輛內或無人在車內, 或未有放置於已上鎖的車輛行李箱內 ; 11. 任何存錄於磁帶 記憶儲存卡 磁碟的資料遺失 ; 12. 任何易碎或易破物品的損毀, 如玻璃或水晶 ; 13. 任何在酒店或 公共交通工具 機構保管下的財物損失或損毀, 除非發現損失後三天內以書面通知該酒店或 公共交通工具 機構, 如該機構為航空公司, 亦需獲得由該航空公司發出之財物紊亂報告 ; 14. 任何基於同一原因於第十節 - 行李延誤津貼同時提出的索償 ; 15. 任何遺失或損毀之物品已受其他保險承保, 或已獲 公共交通工具 機構或酒店或其他機構賠償的損失 第六節 遺失個人現金如 受保人 在 受保旅程 中因搶劫 爆竊或偷竊而損失隨身攜帶或放在已鎖的酒店客房內的現金 支票 匯票或旅 31

32 行支票, 本公司 將根據 保障表 所載的 最高賠償額 為上限作出賠償 第六節的不承保事項本節並不承保 : 1. 任何在發現遺失後 24 小時內未向當地警方 或酒店管理或公共機構報告及未能提供有關報告的任何損失 ; 2. 在發現遺失旅行支票後, 未即時向當地有關簽發機構或代理公司報告 ; 3. 因錯誤 遺漏 兌換或貶值而減少的金額 ; 4. 任何原因未明的遺失或神秘失蹤 ; 或 5. 任何因欺詐或行騙引致的損失 第七節 遺失旅遊證件及 / 或 旅行票 若 受保人 的香港身份證 信用卡 駕駛執照 旅行票 或旅遊證件於 受保旅程 中意外遺失, 本公司 將支付其補領費用 如 受保人 於 受保旅程 中意外遺失 旅行票 及 / 或旅遊證件, 本公司 將支付因此而衍生的額外交通及 / 或 住宿 費用, 惟此上限為每日 2,000 港元 在任何情況下, 第七節 - 遺失旅遊證件及 / 或 旅行票 的合共總賠償額不可超過 保障表 所載之 最高賠償額 之 100% 第七節的不承保事項本節並不承保 : 1. 任何在發現遺失後 24 小時內未向當地警方報失及未能提供有關報告的任何損失 ; 2. 沒有需要於是次 受保旅程 使用之任何旅遊證件及 / 或簽證及 / 或 旅行票 ; 3. 任何直接或間接因暴動 反叛 革命 內戰 篡權 恐怖活動 或因政府意圖阻礙 對或防禦此等動亂所引起的損失 ; 由於被海關條例而遭破壞或檢疫 ; 政府充公之違禁品或非法攜帶或交易的物品 ; 4. 在沒上鎖的車輛內或無人在車內, 或未有放置於已上鎖的車輛行李箱內 ; 5. 任何在公眾場所因無人看管下而遺失的物品 ; 任何原因未明的遺失或神祕失蹤 ; 6. 因 受保人 未有或延誤補領證件而需繳納的任何罰款 ; 或 7. 同時索償臨時或永久但屬相同性質的旅遊證件之補領費用, 此情況下, 受保人 只能選擇索償其中一款 第八節 個人責任如 受保人 在 受保旅程 中發生 意外 令第三者死亡或蒙受 損傷 或財物損失, 以致必須承擔法律賠償責任及 / 或任何法律費用, 本公司 將作出賠償 本公司 的賠償將以 保障表 所載之 最高賠償額 為上限 惟在未得到 本公司 書面同意前, 受保人 不可向他人承認責任 提出或允許付出任何賠償或有關承諾 或牽涉入任何訴訟中 第八節的不承保事項本節並不承保因下列原因直接或間接引起的責任 : 1. 任何商業 專業或貿易活動 ; 2. 受保人 任何故意 蓄意及不法行為或刑事行為 ; 3. 受保人 對任何 直系親屬 或 同居伴侶 或親屬或僱主或僱員的責任 ; 4. 合約責任 ; 5. 擁有 佔用 使用或控制任何車輛 飛機 船隻 土地 建築物 槍械或動物 ; 6. 受保人 或 直系親屬 或 同居伴侶 或親屬或僱主擁有 持控托管或保管的財物損毀 ; 7. 任何 恐怖活動, 不論損失是由同時或連接發生之其他原因或事故所引致 ; 或 8. 任何 恐怖活動 或因政府意圖抑制 防止 鎮壓 報復或回應此等動亂所引起的損失 第九節 旅程延誤如 受保人 安排乘坐及列明於原定 行程表 上之 公共交通工具 的出發或到達時間因罷工或其他工業行動 騷亂 暴亂 劫機 惡劣天氣 天災 公共交通工具 的機械及 / 或電路故障 或機場關閉而延誤, 本公司 會賠償以下保障予 受保人 : (a) 旅程延誤每滿六小時的延誤, 本公司 會賠償 300 港元, 最高至 保障表 所載的 最高賠償額 為上限 延誤時間將以下列其中一項方式計算 : 出發延誤是由列明於 受保人 原定 行程表 上之 公共交通工具 的開出時間, 直至 (i) 該 公共交通工具 的實際開出時間或 (ii) 由該 公共交通工具 機構安排的首班取替交通工具的實際開出時間作出計算 ; 或 到達延誤是由列明於 受保人 原定 行程表 上之 公共交通工具 的到達時間, 直至 (i) 該 公共交通工具 的實際到達時間或 (ii) 由該 公共交通工具 機構安排的首班取替交通工具的實際到達時間作出計算 32

33 在同一班次的 公共交通工具 延誤下, 受保人 只可索償出發延誤或到達延誤其中一項 假如 受保人 有連續的接駁航班, 不論轉機所需之時間, 延誤均以 行程表 上列明和實際之出發或到達時間的差別作出計算, 而延誤的主因必須為於第十一節第一段之事故所導致 (b) 因旅程延誤引致之更改行程費用 受保人 安排乘坐的 公共交通工具 延誤超過十二小時, 受保人 需自行安排乘坐其他 公共交通工具 前往列明於原定 行程表 內目的地, 本公司 會支付所需之 旅行票 ( 只限經濟客位 ), 惟以不超過保障表所載之 最高賠償額 為上限 本保障只可在同一 受保旅程 中索償一次 第九節的特別條款 1. 受保人 必須按照原定安排乘坐的 公共交通工具 辦理登機手續, 及於索償時必須提供 公共交通工具 機構書面證明其延誤時間及原因以作證明或 本公司 要求的其他合理證明 2. 如 受保人 原定安排乘坐之 公共交通工具 並未有安排任何替代交通工具予 受保人, 受保人 只可索償第九節 (a) - 旅程延誤或第九節 (b) - 因旅程延誤引致之更改行程費用其中一項 第九節的不承保事項本節並不承保 : 1. 於 生效日期 前已發生或已宣佈會引致 受保旅程 延誤的情況 ; 2. 因 受保人 遲到機場或碼頭所引起的任何損失 ( 即在最後登記時間結束後才到達, 惟因 公共交通工具 機構員工罷工導致遲到除外 ) ; 3. 任何未經航空公司 旅行社或其他有關機構證實的更改或取消 行程表 的損失 ; 4. 任何因由當地政府或有關機構的航空管制而引致的損失 ; 或任何因政府法例及規條限制引致的損失 ; 5. 任何受保於其他保險計劃的事項 政府計劃所承保的項目或已由旅行社 旅遊承辦商或 行程表 內提供服務的機構 / 人士承諾賠償或退款 ( 第九節 (a) - 旅程延誤除外 ) ; 或 6. 任何基於同一原因但已於第十一節 取消旅程獲得賠償 第十節 行李延誤如 受保人 已登記寄艙的行李於 受保人 實際抵達海外目的地後超過六小時, 該行李仍未送抵, 不論已登記寄艙的行李數目多寡, 本公司 將按 保障表 所載, 每滿六小時的延誤, 本公司 會賠償 300 港元, 惟每件被延誤的相同寄艙行李只可由一名 受保人 於同一 受保旅程 中索償一次 第十節的特別條款於索償時必須提供 公共交通工具 機構書面證明其登記寄艙行李之延誤時間, 原因及有關之行李標簽以作證明 第十節的不承保事項本節並不承保 : 1. 任何並非與 受保人 所乘坐的 公共交通工具 同時寄運之行李, 或因獨立郵寄或付運紀念品與物件所引致的損失 ; 2. 直接或間接因暴動 反叛 革命 內戰 篡權或因政府意圖阻礙 反對或防禦此等動亂所引起的損失 ; 基於海關條例或檢疫而遭扣留或破壞 ; 政府或有關公共機構充公之違禁品或非法攜帶或交易的物品 ; 或 3. 任何基於同一原因已於第五節 - 行李保障獲得賠償 第十一節 取消旅程 (a) 取消旅程如 受保人 因以下事故必須要取消旅程 : (i) 受保人 直系親屬 同居伴侶 或 同行人士 於 受保旅程 出發日前 90 日內死亡 蒙受 嚴重損傷 或患上 嚴重疾病 ; (ii) 受保人 於 受保旅程 出發日前 90 日內被傳召作證人 履行陪審員責任或需按規定接受 強制隔離 ; (iii) 於 受保旅程 出發日前一星期內, 預定前往之目的地突然發生不可預見的罷工 騷亂 暴亂 傳染病 惡劣天氣或天災 ; 或 (iv) 受保人 或 同行人士 在 香港 的 主要居所 於 受保旅程 出發日前一星期內因火災 水浸 地震或類似的天災而嚴重損毀, 而 受保人 需於出發當日留於該處協助警方調查 ; 本公司 會根據保障表所載的 最高賠償額 為上限, 賠償 受保人 未有使用及無法從其他途徑追討但已依法支付或預付的旅行及 / 或 住宿 費用, 惟以 保障表 所載之 最高賠償額 為限 第十二節 旅程中斷 33

34 如 受保人 於 受保旅程 啟程後因以下事故而必需放棄行程返回 香港 : (i) 受保人 直系親屬 同居伴侶 或 同行人士 死亡 蒙受 嚴重損傷 或患上 嚴重疾病 ; 或 (ii) 預定的行程目的地突然發生 受保人 不可預見的罷工 騷亂 暴亂 傳染病 或天災, 以致 受保人 未能繼續其 受保旅程 ; 本公司 將賠償 受保人 未有使用及無法從其他途徑追討已支付及須依法支付的旅遊費用及 / 或 住宿 費用, 或額外所衍生的實際而合理的交通及 / 或 住宿 費用 如 受保旅程 是由旅行社安排之旅行團, 旅程中斷保障內之未使用的旅遊費用及 / 或 住宿 費用賠償是根據 受保旅程 中斷後, 按比例計算賠償剩餘 受保旅程 日數中未享用的團費 受保人 只可索償 受保旅程 剩餘日數內被沒收之費用, 或因旅程中斷而額外衍生的費用其中一項 於任何情況下, 第十二節 - 旅程阻礙的合共總賠償額不可超過 保障表 所載的 最高賠償額 第十一及第十二節的不承保事項此兩節並不承保 : 1. 於 生效日期 前已發生或已宣佈會引致 受保旅程 取消或中斷或須重新安排的任何情況 ; 2. 受保旅程 之目的為接受醫藥治療或違反 醫生 之勸告進行 受保旅程 ; 3. 於 生效日期 前已發生或已得知的任何身體醫療狀況或情況 ; 4. 任何因政府法例及規條限制或因由當地政府或有關機構的航空管制而引致的損失 ; 因旅行社 旅遊承辦商 公共交通工具 及 / 或於 行程表 內提供服務的機構 / 人士破產 清盤 錯誤 疏忽或不負責任的行為 ; 5. 受保人 已知必須取消或更改行程但未有即時通知旅行社 旅遊承辦商 公共交通工具 及 / 或 行程表 內提供服務的機構 / 人士 ; 6. 任何未經航空公司 旅行社或其他有關機構證實的取消或更改行程的損失 ; 7. 任何受保於其他保險計劃的事項 政府計劃所承保的項目或已由 公共交通工具 旅行社 旅遊承辦商或任何其他交通及 / 或住宿服務機構 / 人士承諾賠償或退款 ; 8. 未能提供 醫生 之醫療報告 ; 9. 一切毋須由 受保人 支付及 / 或已包括於 受保旅程 中的費用 ; 10. 受保人 拒絕依循 醫生 之建議返回 香港 接受治療, 或在身體狀況許可下, 拒絕繼續其 受保旅程 ( 只適用於第十二節 - 旅程中斷 ) ; 或 11. 任何基於同一原因但已於第九節 旅程延誤獲得賠償 第十三節 租車自負額保障如 受保人 在 受保旅程 中租用出租車輛而在駕駛途中發生碰撞, 或車輛被偷竊或遭到損毀 ; 而在租用條款上包括自負額 ( 或扣減或類似條款 ), 本公司 將以 保障表 所載之 最高賠償額 為上限賠償予 受保人 因該車輛被偷竊或遭到損毀而引致的自負額賠償 本保障在每一 受保旅程 中只可賠償一次 第十三節的特別條款 受保人 必須購買由有關出租車輛安排的汽車綜合保險以保障於租車期間對出租車輛之損失 第十三節不承保事項本節並不承保 : 1. 受保人 於使用出租車輛時違反租車條款或車輛保險條款 ; 2. 受保人 於受到酒精或藥物影響下去使用出租車輛所引致的任何情況 ; 3. 受保人 於租用車輛期間作出任何違法或非法行為 ; 4. 受保人 並沒有擁有在當地國定的合法駕駛証件 第三部份 不承保事項本保險單將不會承保直接或間接由下列項目所引致的損失或責任 : 1. 任何 投保前已存在的傷疾 先天及遺傳性疾病 ; 2. 受保人 任何違法或非法行為或 受保人 直接參與罷工 騷亂 暴亂或 恐怖活動 ; 受到海關或其他機關充公 扣留 毀滅的財物 ; 3. 受保人 並未採取所有合理行動保障個人物品 / 金錢, 或盡量避免蒙受 損傷 以減低對本保險提出索償機會 ; 4. 以乘客或司機身份參與任何形式的賽車, 比賽, 又或參加職業體育活動或 受保人 可能或可以賺取收入或報酬的體育活動 ; 5. 自殺或蓄意自我傷害 ; 6. 神經錯亂 心智或精神不正常 ; 受到酒精或藥物影響下的任何情況 ( 除非由 醫生 處方 ) ; 酗酒 ; 濫用藥物或其他溶劑 ; 7. 任何因妊娠 分娩或流產引致的狀況 墮胎, 以及產前 產後護理及其他有關併發症 性病 ; 34

35 8. 受保人 以病人身份在 醫院 住院 期間離院返家; 9. 出任為任何空中乘載工具的機務人員或操作員 ; 10. 受保人 進行或涉及任何空中活動, 除非當時 受保人 (i) 是以付費乘客身份在持牌航空公司航機或包機上, 或 (ii) 所參與之活動是由另一位已持牌帶領有關活動的人士負責操縱或航行而提供活動的舉辦者亦已獲當地有關當局授權 ; 11. 從事任何體力勞動性工作 從事離岸活動如商業潛水 油田鑽探 採礦或空中攝影 處理爆炸品 演員 地盤工人 漁夫 廚師或廚房工人 導遊或領隊 從事或參與海陸空服務或行動或持械工作 ; 12. 由於 HIV ( 人類免疫力缺乏症病毒 ) 及 / 或愛滋病與 HIV 有關的任何疾病及 / 或不論如何引起或不論如何定名的有關疾病, 其任何突變體衍化物或變種造成的任何損傷 疾病 死亡 損失 費用或其他責任 ; 13. 戰爭 侵略 外敵行動 敵對局面( 不論曾正式宣戰與否 ) 內戰 叛亂 暴動 軍事力量或政變所引起的任何事件 ; 14. 在海拔 5,000 米以上進行高山遠足, 或在 40 米水深以下潛水 ; 15. 受保人 旅遊目的為醫藥治療, 或 受保人 在身體不適合旅遊的情況下旅遊 ; 或 受保人 違反 醫生 勸喻出外旅遊 ; 16. 已從其他方面獲得的賠償, 惟第一節 (b) - 海外 醫院 現金津貼保障 第三節 - 個人 意外 第九節 (a) - 旅程延誤及第十節 - 行李延誤津貼除外 ; 17. 任何持有中華人民共和國護照及以此往返 中國 之 受保人, 但若該 受保人 事先已通知 本公司 有關 受保人 同時擁有由其他海外國家政府( 中國 除外) 所簽發的法定文件證明為該地合法居民, 則本項不適用 ; 或 18. 直接或間接由下列原因造成的任何費用 間接損失 法律責任或任何損失或損毀 : 任何核子燃料 核子燃燒後所產生的核子廢料所產生的電離子輻射或放射性污染 ; 任何核能裝置或元件所產生的放射性 有毒 爆炸性或其他危險物質 第四部份 一般條款 1. 本保險單生效時 受保人 的身體健康狀況必須適合旅遊 ; 否則 本公司 有權拒付本保單的賠償款項 2. 所有旅程均需由 香港 啟程或旅遊最終目的地為 香港, 而該行程必須經 香港 安排及付款 若旅遊人士之 受保旅程 啟程地點不在 香港 本保單內 ( 惟不包括以下部份 : 第一部份的 香港 及 中國 定義及第五部份的條款 ) 所提供 香港 的字詞 ( 貨幣除外 ) 將更改為出境國家 除非 受保行程 的啟程及回程兩個地點均為 香港, 否則下列之保障亦不適用 : 第一節 (a) 覆診 費用及第二節 - 蘇黎世緊急支援 3. 單次旅遊計劃中, 保險單一經簽發, 恕不退還任何保費, 而保險單亦不能續保 4. 單次旅遊計劃的最長 受保旅程 期限不得超逾 45 天 5. 如 受保人 因 受保旅程 開始後發生不能控制的事故而未能於原列於由旅行社或 公共交通工具 機構發出的 行程表 內之日期完成其 受保旅程, 本公司 會延長保險的受保期至 受保人 能合理及必需地完成其 受保旅程, 並不額外就此收費, 惟最長以十日為上限 6. 本保險只適用於常規的假期旅遊及商務旅遊 ( 只限不涉及任何體力勞動的文書工作 ) 本保險亦不適用於 受保人 進行探險 跋涉 附有裝備之登山運動或類似旅程 7. 若 受保人 為同一 受保旅程 購買多於一份由 本公司 承保的自購綜合旅遊保險, 本公司 只會根據可獲較高賠償額的一份保單作出賠償 第五部份 基本條款 1. 整體協議本保險單包括所有 有關文件, 乃立約各方之間的整體協議 任何代理或其他人士均無權更改或豁免本保單的任何條款 本保險單如有任何修改, 必須獲得 本公司 有關的負責人批准並簽發批單作實, 方始生效 2. 年齡限制單次旅遊計劃 : 本保險提供保障予任何年齡之 受保人 3. 索償通知如要申請索償, 受保人 必須於引致損失的事件發生後 30 日內以書面通知 本公司 倘因 意外 死亡之索償, 受保人 之合法代表必須立即通知 本公司 本公司 所需之任何證明書 資料及證據, 須依據 本公司 所定之形式及性質提交, 而所需費用概由 受保人 或 受保人 之個人代表負責 如 受保人 不遵守本條款, 本公司 將全權酌情決定不會支付本保單的任何保障 4. 損失證明所有損失證明文件需於 本公司 收到賠償申報表後 30 日內呈交給 本公司 倘有合理的緣由不能於此限期內將有關證明文件送交 本公司, 但已盡可能於限期後立即送出, 且從需要該有關證明文件起計不超過 180 日之限, 則不會被視為放棄申請賠償的權利 本公司 所需之證書 資料及證據, 須依據 本公司 所定之形式及性質提交, 所有費用需由索償者負責, 本公司 概不會負責任何費用 5. 索償時限除索償已被 本公司 接納或為有待進行之未審結訴訟或仲裁外, 於任何情況下, 本公司 概不會就 受保人 引致損失的事件發生後滿 12 個月方提出之有關索償支付賠償 35

36 6. 身體檢查如 受保人 蒙受非致命 損傷, 本公司 有權按需要要求由 本公司 指定的醫療機構為 受保人 進行身體檢查 如 受保人 身故, 本公司 有權自費進行驗屍 本公司 擁有該等調查結果之所有權 7. 支付索償 本公司 將按照 受保人 各自之權利及權益向彼等支付賠償 ( 第二節 (b) 及第二節 (c) 除外 ) 第二節 (b) - 緊急醫療運送及第二節 (c) - 遺體運返之保障則直接付予服務提供者 本保單之所有索償將以港元支付及將在收到所有 本公司 承認之必須證明後支付予 受保人 如 受保人 意外 死亡, 本公司 會將所有尚未支付之賠償額支付予 受保人 之遺產承繼人 當 本公司 收妥所需的證明文件並批核後, 將根據本保單立即作出合理賠償 8. 責任索償 受保人 未經 本公司 同意, 不可承認 否認或解決任何索償 9. 虛報或漏報資料若 受保人 或任何代表 受保人 之人士在投保表格及聲明或就任何索償知情地作出任何虛假陳述 或未如實地申報任何 投保前已存在之傷疾 或未能遵行最高誠信, 本公司 概不就任何索償進行理賠責任, 本保單規定之所有保障亦即時停止生效 本公司 亦不會就已付保費作出任何退款 如 本公司 已支付本任何保障, 受保人 必須於收到 本公司 發出之還款通知書後七日內退還有關之保障賠償予 本公司 10. 年齡錯誤陳述如 受保人 年齡被錯誤陳述, 本公司 會按正確年齡應付之保費而退回或收取保費的差額 倘 受保人 投保時的正確年齡未符合本保單的要求或已超出限制, 本公司 只會退回保費而不負責任何承保責任, 本公司 亦有權完全取消此保單 所有於家庭保單中受保的兒童均不會獲退回任何保費 11. 蘇黎世緊急支援服務受委任提供服務之蘇黎世緊急支援機構乃是一間獨立服務供應商, 在 受保人 要求下為 受保人 提供服務 本公司 本公司 的附屬機構 代理或旗下的員工不會就蘇黎世緊急支援的有關服務供應商 該機構之員工 代理或代表的任何行為 違責 疏忽錯誤或遺漏負責 12. 其他保險如 受保人 於索償時同時受保於其他保險公司保單或保險證書內的相同保障, 本公司 只會按比例作出賠償 ( 惟第一節 (b) - 海外 醫院 現金津貼保障 第三節 - 個人 意外 第九節 (a) - 旅程延誤及第十節 - 行李延誤津貼除外, 並會按本保單所載作出賠償 ) 13. 筆誤 本公司 的筆誤不會令生效之保單因而失效, 或令失效之保單因而生效 14. 法律訴訟當索償證明文件依據本保單規定送交 本公司 後,60 日內不得向本保單進行法律訴訟以求賠償 此外, 受保人 亦不得在 本公司 要求其提供索償證明的指定限期屆滿一年後提出訴訟 15. 代位權 本公司 有權自費以 受保人 名義對任何有可能導致本保單索償的承保事件的第三者進行追討, 受保人 需同意執行並允許 本公司 因執行任何權利及補救, 或從他人獲取援助或賠償的目的下所作出的合理要求的行為或事情 16. 替代性爭議解決方案如有任何關乎本保單出現的爭議, 爭議各方可根據 香港 司法機構為民事調解所訂立及爭議當時所適用之有關實務指示, 真誠進行調解 如爭議各方未能於 90 日內透過調解解決爭議, 爭議各方均應將有關爭議提交予香港國際仲裁中心, 按照提交仲裁通知時有效的 香港國際仲裁中心機構仲裁規則 仲裁解決 本仲裁條款適用的法律為 香港 法律, 而仲裁地應為 香港 仲裁員人數為一名, 而仲裁程序應以英語進行 現明文述明, 在爭議各方根據本保單行使任何法律權利前, 必須先取得仲裁決定 不論任何類型爭議解決方案的任何狀況或結果, 如 本公司 否認或否決 受保人 追索本保單之任何責任, 而並未能於 本公司 所發出之通知 12 個月內按以上規定展開仲裁, 受保人 之賠償申請即被視作已被撤回或放棄, 並且不能根據本保單再次進行追討 17. 第三者權利除保單持有人或 受保人 或本保單以明示方式指明以外, 任何人士如非本保單之一方並沒有權利執行或享有本保單條款的保障 任何有關合約第三者權益之法例將不適用於本保單 不論本保單任何條款所列, 任何保單變更 ( 包括任何解除責任或責任妥協 ) 或終止均不須第三者同意 18. 遵從基本條款如 受保人 違反本保險單任何條款, 所有就本保險單提出的索償均告無效 19. 個人資料收集目的 本公司 將根據 本公司 不時通知 受保人 的私隱政策使用所有已收集及持有的個人資料, 受保人 亦可透過此網址查閱有關私隱政策 : 受保人 會, 及會促使保單內其他 受保人, 授權 本公司 根據 本公司 於不時適用之私隱政策所詳列的強制性用途, 使用及轉發 ( 至 香港 境內或境外 ) 包括屬敏感性如 香港 法例第 486 章 個人資料 ( 私隱 ) 條例 中所定義之個人資料 如 受保人 向 本公司 提供任何第三者資料, 受保人 必須保證於提供此等個人資料予 本公司 前已獲得有關資料當事人之正式同意, 使 本公司 可以評估 處理 簽發及執行管理本保單, 包括但並不限於進行任何對有關資料當事人進行審慎調查 合規及製裁查核 36

37 20. 管轄法律及司法裁判權本保單受 香港 法律管轄及按其詮釋 而受本保單中之替代性爭議解決方案條文所限下, 爭議各方同意受 香港 法院的專有司法裁判權 賠償程序 步驟 1: 於可能導致索償的事件發生後 30 天內通知 本公司 步驟 2: 填寫賠償申報表及提交下列適當證明文件 醫療費用 詳列各項收費及 / 或醫療費用之診所或 醫院 正本賬單 注有日期的醫療報告 / 證明副本, 內容包括 受保人 的姓名, 經 醫生 證明的診斷及治療 創傷輔導服務必須要 醫生 的轉介信單及註明有關之建議是完全因 受保人 於 受保旅程 中發生的創傷事故而引致 個人 意外 死亡證副本 由 醫生 簽發及注有日期的醫療報告 / 證明副本列明傷殘的嚴重程度 警方報告及 / 或法醫官報告 ( 如適用 ) 遺產管理委任狀或遺囑認證書 ( 如屬失蹤 ) 因所乘搭的交通工具發生沉沒或撞毀, 引致法院宣佈 受保人 假設死亡的證明或以致屍體失蹤一年的證明文件 緊急啟程 死亡證副本 關係證明文件副本 ( 如出世紙 結婚證明書等 ) 已付旅費及 / 或 住宿 正本收據 個人行李 警方報告副本 ( 必須於發現後 24 小時內發出 ) 及 / 或由航空公司 / 公共交通工具 機構發出的財物紊亂報告 ( 如適用 ) 遺失 / 損毀物品之購買正本收據 損毀物品之維修報價單副本 顯示損毀物品程度的相片 個人現金 旅行證件及 / 或 旅行票 警方報告副本 ( 必須於發現後 24 小時內發出 ) 額外 住宿 費用交通費用及補發遺失之旅行證件或旅行票之正本收據 致旅行支票簽發機構之遺失通知書副本 ( 必須於發現後 24 小時內發出 ) 行李延誤 有關 公共交通工具 發出之書面報告副本以證明延誤之日期 時間及原因 旅程延誤 / 更改行程費用 有關 公共交通工具 發出之書面報告副本以證明延誤之日期 時間及原因 由 公共交通工具 機構所發出購票的實際費用的正本收據 取消旅程或旅程中斷 已付旅費及 / 或 住宿 及 / 或旅行團及 / 或岸上觀光行程收據正本 注有日期的醫療報告 / 證明副本, 內容包括 受保人 / 直系親屬 / 同居伴侶 / 同行人士 的姓名, 經 醫 37

38 生 證明的診斷及治療 證人 / 陪審員傳票或 強制隔離 檢疫之文件 受保人 的 主要居所 損毀證明 提交 公共交通工具 機構所發出的正式文件證明其機械及 / 或電路故障, 並包括日期及時間 關係證明文件副本 ( 如出世紙 結婚證明書等 ) 航空公司 / 公共交通工具 機構/ 郵輪公司 / 住宿機構及旅遊公司發出之書面報告副本, 證明有否退還有關已付之旅費及 / 或 住宿 及 / 或旅行團及 / 或岸上觀光行程的費用 個人責任 事發或事件經過及聲明 ( 未經 本公司 書面同意, 不得承認責任或作出解決或協議 ) 警方報告或有關機構發出之事件報告副本 就事發或事件收到的所有有關文件 ( 包括任何法院傳票副本 所有法院文件 律師函件及其他法律往來文件 ) 租車自負額 出租車輛同意書之副本 該出租車輛之綜合保險證書副本, 包括列明保障範圍細節及 受保人 租用該車輛需負責之自負額 由出租車輛公司發出之事故報告及 / 或警方報告之副本, 兩份報告均須列明 意外 詳情 由出租車輛公司發出列明有關自負額收費之正本發票 / 收據 如有需要, 本公司 將要求索償人提供額外之有關文件以供處理索償事宜用途 求助須知如 受保人 急需協助, 可致電 香港 蘇黎世 24 小時緊急支援熱線 : , 說出 受保人 姓名及載於 附表 上的保單號碼 本公司 的資深援助主任將處理 受保人 的查詢及提供協助 如需索償, 請致電 本公司 賠償熱線 : 聯絡客戶服務, 請致電 本公司 查詢熱線 : 辦公時間為星期一至星期五上午 9 時至下午 5 時 30 分 ( 本保單備有中文及英文版本 兩個版本如有任何歧義, 概以英文版本為準 ) CTP/CTP/002/05/

39 Declaration 1. I/We hereby apply for Ctrip Travel Insurance Plan ("this Plan") provided to me/us by Zurich Insurance Company Ltd ("the Company"). I/We declare that to the best of my/our knowledge and belief the information given on this enrolment form is true and complete in every respect and all information disclosed has been verified by me/us as true and correct, and that no person listed hereon is travelling against the advice of any medical practitioner or for the purpose of obtaining medical treatment. I/We declare that I/we have full and complete authority from my spouse, relative(s), friend(s) to sign the application and disclose any personal information being requested to assess the insurance application. I/We agree that this enrolment form and declaration shall form the basis of the contract between me/us and the Company. 2. I/We understand that this Plan is a product solely provided by the Company. Ctrip.Com(Hong Kong)Limited and its affiliates have no duty to verify or make inquiries into any aspect of this Plan and make no warranty or representation howsoever to this Plan. I/We expressly agree that Ctrip.Com(Hong Kong)Limited and its affiliates disclaim any responsibility whatsoever for any issues in relation to, arising from and/or caused by/under this Plan or the Company. 3. I/We authorize the Company to obtain medical information from my/our medical practitioner(s) and I/we agree to supply additional information relevant to this Plan at my/our own expense. 4. I/We understand that I/We shall refer to the Policy for details of the insurance coverage, exclusion clauses and terms and conditions. 5. I/We understand I/we must complete and provide all information requested in this form, failing which the Company cannot process my/our application for the Policy. 聲明 1. 本人 / 吾等現投保蘇黎世保險有限公司 ( 貴公司 ) 向本人 / 吾等提供之 攜程旅遊保險計劃 ( 此計劃 ) 本人 / 吾等謹此聲明本投保表格所列全部資料乃就本人 / 吾等所知一切據實填報, 並經本人 / 吾等核實正確無誤, 上述受保人是次出外旅遊並未違背專業醫生勸告或以尋求醫療為目的 本人 / 吾等聲明本人 / 吾等已獲得配偶 親屬 朋友授予全權, 簽署此項投保申請, 並提供任何個人資料作評核此項申請之用 本人 / 吾等明白本投保表格及聲明將構成本人 / 吾等貴公司之間的合約依據 2. 本人 / 吾等明白此計劃乃由貴公司獨自提供之產品 攜程旅行網 ( 香港 ) 有限公司及其相關機構無責任對此計劃之任何方面進行核實或查詢, 亦不對此計劃作出任何保證或陳述 本人 / 吾等明確同意攜程旅行網 ( 香港 ) 有限公司及其相關機構不對與此計劃或貴公司有關 由此引起及 / 或造成的任何問題承擔任何責任 3. 本人 / 吾等明白本人 / 吾等必須填妥授權貴公司有權向本人 / 吾等之醫生索取有關病歷資料, 本人 / 吾等亦同意提供任何進一步與此計劃有關之資料並自付所需費用 4. 本人 / 吾等明白所有保障範圍 不承保事項 條款及細則概以此保險計劃保單為準 5. 本人 / 吾等明白本人 / 吾等必須完成及提供此表格之所有資料, 貴公司將不會受理本人 / 吾等資料不全之保單申請

40 Statement of purpose for collection of personal data All personal data collected and held by Zurich Insurance Company Ltd ( Zurich ) will be used in accordance with Zurich s privacy policy, as notified to the insured person from time to time and available at this website: The policyholder shall, and shall procure the insured / insured members to, authorise Zurich to use and transfer data (within or outside Hong Kong), including sensitive personal data as defined in the Personal Data (Privacy) Ordinance (Cap.486), Laws of Hong Kong, for the obligatory purposes as set out in Zurich s privacy policy as applicable from time to time. When information about a third party is provided by the policyholder / insured / insured member to Zurich, the policyholder / insured / insured member warrants that proper consents from the relevant data subjects have been obtained before the personal data are provided to Zurich, enabling Zurich to assess, process, issue and administer this policy, including without limitation, conducting any due diligence, compliance and sanction checks on such data subjects. Rights of third parties Other than the policyholder or the insured / insured persons, or as expressly provided to the contrary, a person who is not a party to this policy has no right to enforce or to enjoy the benefit of any term of this policy. Any legislation in relation to third parties' rights in a contract shall not be applicable to this policy. Notwithstanding any terms of this policy, the consent of any third party is not required for any variation (including any release or compromise of any liability under) or termination of this policy. Note: In case of any discrepancy or inconsistency between the above 2 clauses with any existing clauses in the policy, the above 2 clauses shall prevail and replace the wording of such existing clauses to the extent of the discrepancy or inconsistency. The above wording will automatically apply to your policy (in the case of a new policy) or renewal policy (in the case of policy renewal) on the policy effective or renewal effective date (as the case may be). Unless as otherwise specified, other terms and conditions of the policy will not be affected

41 個人資料收集目的 蘇黎世保險有限公司 ( 本公司 ) 將根據 本公司 不時通知 閣下 的私隱政策使用所有已收集及持有的個人資料, 閣下 亦可透過此網址查閱有關私隱政策 : 閣下 會, 及會促使 受保人, 授權 本公司 根據 本公司 於不時適用之私隱政策所詳列的強制性用途, 使用及轉發 ( 至 香港 境內或境外 ) 包括屬敏感性如 香港 法例第 486 章 個人資料 ( 私隱 ) 條例 中所定義之個人資料 如 閣下 / 受保人 向 本公司 提供任何第三者資料, 閣下 / 受保人 必須保證於提供此等個人資料予 本公司 前已獲得有關資料當事人之正式同意, 使 本公司 可以評估 處理 簽發及執行管理本保單, 包括並不限於進行任何對有關 資料當事人進行審慎調查 合規及製裁查核 第三者權益 除保單持有人或受保人, 或本保單以明示方式指明以外, 任何人士如非本保單之一方並沒有權利執行或享有本保單條款的保障 任何有關合約第三者權益之法例將不適用於本保單 不論本保單任何條款所列, 任何保單變更 ( 包括任何解除責任或責任妥 協 ) 或終止均不須第三者同意 註 : 如以上條款與保單任何現有條款產生差異或矛盾, 將以以上條款為準並以其取代保單現有條款相關之差異或矛盾部分 以 上條款將於閣下保單生效 ( 如現為新保單 ) 或續保生效 ( 如現為保單續保 ) 時自動生效 除非另作註明, 保單內的其他條款及細則 將不受影響

42 Notice to Customers relating to the Personal Data (Privacy) Ordinance ( Ordinance ) 1. The personal information of customers (include policy owners, insured persons, beneficiaries, premium payors, trustees, policy assignees and claimants) collected or held by Zurich Insurance Company Ltd ( Company ) may be used by the Company for the following obligatory purposes necessary in providing services to the customers (otherwise the Company is unable to provide services to customers who fail to provide the required information): (1) to process, investigate (and assist others to investigate) and determine insurance applications, insurance claims and provide ongoing insurance services; (2) to process requests for payment, and for direct debit authorization; (3) to manage any claim, action and/or proceedings brought against the customers, and to exercise the Company s rights as more particularly defined in applicable policy wording, including but not limited to the subrogation right; (4) to compile statistics or use for accounting and actuarial purposes; (5) to meet the disclosure requirements of any local or foreign law, regulations, codes or guidelines binding on the Company and/or its group ( Zurich Insurance Group ) and conduct matching procedures where necessary; (6) to comply with the legitimate requests or orders of the courts of Hong Kong and regulators including but not limited to the Insurance Authority, Hong Kong Federation of Insurers, auditors, governmental bodies and government-related establishments; (7) to collect debts; (8) to facilitate the Company s authorized service providers to provide services to the Company and/or the customers for the above purposes; and (9) to enable an actual or proposed assignee of the Company to evaluate the transaction intended to be the subject of the assignment. 2. The Company may provide any personal information of customers to the following parties, within or outside of Hong Kong, for the obligatory purposes: (1) companies within the Zurich Insurance Group, or any other company carrying on insurance or reinsurance related business, or an intermediary; (2) any agent, contractor or third party service provider who provides administrative, telecommunications, computer, payment or other services to the Zurich Insurance Group in connection with the operation of its business; (3) third party service providers including legal advisors, accountants, investigators, loss adjusters, reinsurers, medical and rehabilitation consultants, surveyors, specialists, repairers, and data processors; (4) credit reference agencies, and, in the event of default, any debt collection agencies or companies carrying on claim or investigation services; (5) any person to whom the Zurich Insurance Group is under an obligation to make disclosure under the requirements of any law binding on the Zurich Insurance Group or any of its associated companies and for the purposes of any regulations, codes or guidelines issued by governmental, regulatory or other authorities with which the Zurich Insurance Group or any of its associated companies are expected to comply; (6) any person pursuant to any order of a court of competent jurisdiction; (7) any actual or proposed assignee of the Zurich Insurance Group or transferee of the Zurich Insurance Group s rights in respect of the policy owners. 3. Certain personal information of policy owners and insured persons collected or held by the Company, in particular, names, contact information, age, gender, identity document reference, marital status, policy information, claim information, and medical history may be used by the Company for the following voluntary purposes: (1) to provide marketing materials and conduct direct marketing activities in relation to insurance and/or financial products and services of the Zurich Insurance Group and/or other financial services providers, and/or other related services of business partners, with whom the Company maintains business referral or other arrangements; (2) to perform customer analysis, profiling and segmentation; and (3) to conduct market research and insurance surveys for the Zurich Insurance Group s development of services and insurance products. The Company is not allowed to use the personal information of any customer for the above voluntary purposes without such customer s consent. In the absence of any opt-out request, the Company shall treat the insurance application and continuation of the policy(ies) held with the Company as an indication of no objection of such policy owner and insured person to the Company s use of their personal information for the above voluntary purposes. 4. The Company may provide certain personal information, in particular, name, contact information, age, gender and policy information of a policy owner and an insured person, upon such policy owner s and insured person s written consent, to the following parties, within or outside of Hong Kong, for the voluntary purposes: (1) companies within the Zurich Insurance Group; (2) other banking/financial institutions, commercial or charitable organisations with whom the Company maintains business referral or other arrangements; (3) third party marketing service providers and insurance intermediaries. The Company is not allowed to provide to any third party the personal information of any customer, specifically, policy owners or insured persons, for the above voluntary purposes without their written consent. 5. All customers have the right to access to, correct, or change any of their own personal information held by the Company, and in the case of policy owners and life insured, opt-out of the Company s use and transfer of their personal information for the voluntary purposes, by request in writing to the Company s Personal Data Privacy Officer at the address below. Requests for opt-out must state clearly the full name, identity document number, policy number, telephone number and address of the person making such request. Policy owners and insured persons may otherwise delete both the above paragraphs 3 and 4 (in italics) to indicate their wish to opt-out altogether. Personal Data Privacy Officer 26/F, One Island East 18 Westlands Road Island East Hong Kong 6. In accordance with the Ordinance, the Company has the right to charge a reasonable fee for processing any data access request. 7. In the event of any discrepancy or inconsistencies between the English and Chinese versions of this notice, the English version shall prevail.

43 PICS_ 有關個人資料 ( 私隱 ) 條例 ( 私隱條例 ) 的客戶通知 1. 由 Zurich Insurance Company Ltd( 本公司 ) 收集或持有的客戶 ( 包括保單持有人 受保人 受益人 保費付款人 信託人 保單受讓人及索償人 ) 個人資料, 均可供本公司使用作以下強制性用途, 以便為客戶提供服務 ( 否則本公司將無法為未能提供所需資料的客戶提供服務 ): (1) 辦理, 調查 ( 及協助他人調查 ) 和決定保險申請 保險索償及提供持續的保險服務 ; (2) 辦理付款要求及直接付款授權 ; (3) 處理任何對客戶的索償 訴訟及 / 或司法程序 ; 以及行使本公司的權利 ( 詳情見適用保單條款所定 ), 包括但不限於代位權 ; (4) 編撰統計數字, 或作會計及精算用途 ; (5) 符合對本公司及 / 或其所屬集團 ( 蘇黎世保險集團 ) 具約束力的任何本地或外國法例 規則 守則或指引的披露規定及如需要時進行核對程序 ; (6) 遵循香港法院及監管機構作出的合法要求或指令, 包括但不限於保險業監理處 香港保險業聯會 核數師 政府組織和政府相關機構 ; (7) 債務追討 ; (8) 便利本公司的認可服務供應商, 就上述目的為本公司及 / 或客戶提供服務 ; 及 (9) 使本公司的實際或建議承讓人能夠評核擬進行涉及有關轉讓的交易 2. 本公司可就強制性用途, 向以下於香港境內或境外的人士提供任何客戶個人資料 : (1) 蘇黎世保險集團成員公司, 或任何進行保險或再保險相關業務的其他公司或中介人 ; (2) 任何向蘇黎世保險集團提供行政 電訊 電腦 付款或其他與其業務運作有關的服務的代理人 承包商或第三方服務供應商 (3) 第三方服務供應商, 包括法律顧問 會計師 調查員 理賠師 再保公司 醫護及復康顧問 考察員 專家 維修人員 及資料處理者 ; (4) 信貸諮詢機構 而在客戶欠賬時, 任何債務追收代理或進行索償或調查服務的公司 ; (5) 根據對蘇黎世保險集團或其任何關連機構具約束力的任何法例, 及就任何由政府 監管或其他機關所頒佈且蘇黎世保險集團或其任何關連機構預期須遵守的任何規例 守則或指引而言, 蘇黎世保險集團有責任向其作出披露的任何人士 ; (6) 根據主管司法權區的法院的任何頒令的任何人士 ; 及 (7) 蘇黎世保險集團的任何實際或建議承讓人或蘇黎世保險集團對保單持有人的權利的受讓人 3. 由本公司收集或持有的保單持有人及受保人的某些個人資料, 特別是姓名 聯絡資料 年齡 性別 身份證明文件資料 婚姻狀況 保單資料 索償資料 及醫療紀錄等, 均可供本公司使用作以下自願性用途 : (1) 為蘇黎世保險集團及 / 或與本公司維持業務引薦關係或其他安排之其他金融服務供應商的保險及 / 或金融產品及服務, 及 / 或其他商業合作伙伴之相關服務, 提供市場推廣資料及進行直接市場推廣活動 ; (2) 進行客戶硏究分析及分層 ; 及 (3) 就蘇黎世保險集團的服務及保險產品發展進行市場調查及保險研究 未經客戶同意, 本公司不得使用任何客戶的個人資料作上述自願性用途 在未有收到任何 反對 要求, 本公司將把有關保險申請及持續投保, 視作有關保單持有人及受保人之不反對本公司使用其個人資料作上述自願性用途 4. 經保單持有人及受保人書面同意後, 本公司可就上述自願性用途, 向以下於香港境內或境外的人士提供其某些個人資料, 特別是姓名 聯絡資料 年齡 性別 保單持有人及受保人的保單資料等 : (1) 蘇黎世保險集團成員公司 ; (2) 與本公司維持業務引薦關係或其他安排的其他銀行 / 金融機構 商業或慈善組織 ; (3) 第三方市場推廣服務供應商及保險中介人 未經客戶書面同意, 本公司不得向任何第三方提供有關客戶 ( 特別指保單持有人及受保人 ) 的個人資料作上述自願性用途 5. 所有客戶均有權以書面向本公司之個人資料私隱主任 ( 地址如下 ) 要求查閱 修正及 / 或更改由本公司所持有有關其本身的任何個人資料 如保單持有人及受保人欲反對本公司使用及提供其個人資料作上述自願性用途, 亦可向本公司提出, 並於有關反對要求中清楚註明要求人士之全名 身份證明文件編號 保單編號 電話號碼和地址 保單持有人及受保人亦可同時刪劃以上第 3 及 4 段 ( 見斜字 ) 以提出有關所有自願性用途之反對要求 個人資料私隱主任香港港島東華蘭路 18 號港島東中心 26 樓 6. 根據私隱條例, 本公司有權收取合理費用, 藉以處理任何資料的查閱要求 7. 本通知的中英文版本如有任何歧異或不一致, 概以英文版為準