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1 Hong Kong Professional Teachers Union - Happy Travel Protection (Annual Plan) Travel Insurance Terms and Conditions In consideration of the payment of premium and subject to the definitions, exclusions, limitations, provisions and terms contained herein, endorsed hereon, or attached hereto to this Policy, AIG Insurance Hong Kong Limited (hereinafter called the Company ) agrees to provide insurance to the Insured Person(s) named in the Policy Schedule issued in relation to an insured Journey and promises to pay indemnity for loss to the extent provided herein. The Policy Schedule, Travel Insurance Terms and Conditions and endorsements (if any), shall constitute the entire contract of insurance (hereinafter called the Policy ). This insurance is only valid for conventional leisure travel or business travel (limited to administrative duty) purpose only and shall not apply to persons undertaking expeditions, treks or similar journeys. COVERAGE SECTION 1 - EMERGENCY MEDICAL EXPENSES AND ASSISTANCE 1a. Medical Expenses Under this Section, if the Insured Person sustains an Injury or Sickness during the insured Journey and as a result the Insured Person incurs medical expenses for treatment of the said Injury or Sickness prior to his/her return to Hong Kong, the Company shall reimburse the Insured Person up to the Maximum Benefit stated in the Schedule for that portion of the medical expenses which (i) are incurred by the Insured Person within one hundred and eighty-two (182) days from his/her first sustaining the said Injury or Sickness; and (ii) constitute Usual, Reasonable and Customary Medically Necessary Expenses. Follow up Medical Expenses In the event that the Insured Person, following his/her return to Hong Kong, requires follow-up medical treatment for the Injury or Sickness referred to above (i.e. in addition to the treatment for the Injury or Sickness received prior to the Insured Person s return), then the Company shall also reimburse the Insured Person up to but not exceeding 10% of the Maximum Benefit of the Medical Expenses stated in the Schedule for that portion of the follow-up medical expenses which i) are incurred within 3 months of the Insured Person s return to Hong Kong and ii) constitute. Usual, Reasonable and Customary Medically Necessary Expenses charged by a Qualified Medical Practitioner practising western medicine. In no event, however, shall the total amount payable under this Section 1a (Medical Expenses) exceed 100% of the Maximum Benefit as stated in the Schedule of Benefits. 1b. Emergency Medical Evacuation When as a result of an Injury sustained or Sickness commencing whilst the Insured Person is traveling during the insured Journey and if in the opinion of the Company or its authorized representative, it is judged medically appropriate to move the Insured Person to another location for medical treatment, or to return the Insured Person to Hong Kong, the Company or its authorized representative shall arrange for the evacuation utilizing the means best suited to do so based on the medical severity of the Insured Person's condition. The Company shall pay directly to the medical provider the Covered Expenses for such evacuation. Covered Expenses are expenses for services provided and/or arranged by the Company or its authorized repres entative for the transportation, medical services and medical supplies necessarily incurred as a result of an emergency medical evacuation of an Insured Person as described herein. The means of evacuation arranged by the Company or its authorized representative may include air ambulance, surface ambulance, regular air transportation, railroad or any other appropriate means. All decisions as to the means of transportation and the final destination will be made by the Company or its authorized representative and will be based solely upon medical necessity. The Insured Person or a person on his/her behalf must contact Travel Guard Assistance Hotline at (852) for the arrangement. 1c. Repatriation of Remains When as a result of an Injury sustained or Sickness commencing while the Insured Person is traveling during the insured Journey, the Insured Person dies during the course of the insured Journey, the Company or its authorized representative shall make the necessary arrangements for the return of the Insured Person s remains to Hong Kong. The Company shall pay the actual cost incurred for such repatriation. In addition, the Company shall reimburse for expenses actually incurred at the place of death outside Hong Kong for the cost of a casket, the embalming and cremation process rendered by a mortician or undertaker. The Insured Person or a person on his/her behalf must contact Travel Guard Assistance Hotline at (852) for the arrangement. 1d. Overseas Hospital Cash The Company will pay the Insured Person HK$300 per one (1) day of overseas Hospital Confinement up to the Maximum Benefit as stated in the Schedule of Benefit in the event that the Insured Person is Confined in an overseas Hospital due to an Injury or Sickness sustained during the insured Journey. 1e. Child Guard The Company will reimburse up to the Maximum Benefit as stated in the Schedule of Benefits, the reasonable additional Accommodation and/or travel fare for one (1) Immediate Family Member or one (1) Traveling Companion to accompany the Insured Person s child(ren) aged under fifteen (15) back to Hong Kong in the event of death or Confinement of the Insured Person in an overseas Hospital due to Serious Injury Or Serious Sickness, and where no other Immediate Family Member or Traveling Companion is available to accompany the Insured Person s child(ren). Exclusions Applicable to Section 1- Emergency Medical Expenses and Assistance No benefits will be provided: 1. For any treatment by a Chinese Medicine Practitioner. 2. For surgery or medical treatment when in the opinion of the Qualified Medical Practitioner treating the Insured Person, the treatment can be reasonably delayed until the Insured Person returns to Hong Kong. 3. If the purpose of the insured Journey is to obtain medical treatment or the insured Journey undertaken against the Qualified Medical Practitioner's recommendation. 4. For any expenses incurred for services provided by another party for which the Insured Person is not liable to pay, or any expenses already included in the cost of a scheduled insured Journey. 5. For failure to obtain a written medical report from the Qualified Medical Practitioner. 6. If the Insured Person refuses to follow the recommendation of a Qualified Medical Practitioner to return to Hong Kong or to continue the insured Journey whilst the Insured Person s physical condition at the time of recommendation is fit for travel. 7. For any expenses for a service not approved and arranged by the Company or its authorized representative, except that this exclusion shall be waived in the event the Insured Person or his/her Traveling Companion(s) cannot contact Travel Guard Assistance Hotline during an emergency medical situation for reasons beyond their control. In any event, the Company reserves the right to reimburse the Insured Person only for those expenses incurred for service which the Company or its authorized representative would have otherwise provided under the same circumstances (For Section 1b Emergency Medical Evacuation only). 8. For any expenses incurred for the transportation of the Insured Person's remains not approved and arranged by the Company or its authorized representative (For Section 1c Repatriation of Remains only). 9. For follow up treatment expenses incurred outside Hong Kong. 10. For any additional cost of single or private room Accommodation at a Hospital or charges in respect of special or private nursing, non-medical personal services such as radio, telephone and the like; procurement or use of special braces, appliances or equipment. 11. For any cosmetic surgery, refractive errors of eyes, hearing-aids prescriptions or dental treatment therefor except necessitated by accidental Injury occurring during the insured Journey. SECTION 2 - PERSONAL ACCIDENT The benefit under this Section is payable only with respect to Injury sustained by an Insured Person as a result of an Accident during the insured Journey which, directly and independently of all other causes shall result in any Event as provided in the Benefit Table hereunder, but only to the extent and if such Injury results in the Event happening within ninety (90) days after the date of the Accident. BENEFIT TABLE EVENTS Accidental Death and Disablement Percentage of Principal Sum 1. Death 100% 2. Permanent Total Disablement 100% 3. Permanent and Incurable Paralysis of all limbs 100% 4. Permanent Total Loss of sight of one eye or both eyes 100% 5. Loss of or the Permanent Total Loss of use of one limb 100% 6. Loss of or the Permanent Total Loss of use of two limbs 100% 7. Loss of Speech and Hearing 100% 8. Permanent Total Loss of Hearing in (a) both Ears 75% (b) one Ear 15% Third Degree Burns Area Damage as a Percentage of Total Surface Area Percentage of Principal Sum 1. Head Equal to or greater than 8% damage of total head surface area 100% Equal to or greater than 5% but less than 8% damage of total head surface area 75% Equal to or greater than 2% but less than 5% damage of total head surface area 50% 2. Body Equal to or greater than 20% damage of total body surface area 100% (excluding Equal to or greater than 15% but less than 20% damage of total body surface area 75% head) Equal to or greater than 10% but less than 15% damage of total body surface area 50% Compensation: 1. If more than one (1) of the above Events is applicable, only the Events with the higher compensation will be payable under this Section and in any event shall not exceed the limit stated in the Schedule of Benefits. 2. The insurance for any Insured Person under this Policy shall terminate upon the occurrence of any loss for which indemnity is payable under any one (1) of the above Events as stated in the Benefit Table, but such termination shall be without prejudice to any claim originating out of the Accident causing such loss. 3. When a limb or organ which had been partially disabled prior to an Injury covered under this Policy and which becomes totally disabled as a result of such Injury, the Percentage of Principal Sum payable shall be determined by the Company having regard to the extent of disablement caused by the Injury. No payment however shall be made in respect of the loss of a limb or organ which was disabled prior to the Injury. 4. If the Insured Person is under seventeen (17) years of age at the Effective Date of this Policy, the Maximum Benefit payable will be HK$250,000 subject to the Percentage of Principal Sum as stated in the above Benefit Table under Section 2 (Personal Accident). This Section is extended to cover the Injury sustained by the Insured Person: 1. While he/she is traveling directly from his/her place of residence or place of regular employment in Hong Kong to the immigration counter within three (3) hours before his/her scheduled departure time of the Common Carrier in which the Insured Person has arranged to travel for the purpose of commencement of his/her insured Journey; 2. While he/she is traveling directly from the immigration counter in Hong Kong to his/her place of residence or place of regular employment within three (3) hours upon his/her arrival in Hong Kong after completion of his/her insured Journey. Exposure If by the reason of any covered Accident occurring during the insured Journey, the Insured Person is unavoidably exposed to the elements (including but not limited to prolonged and rigorous weather or environmental conditions) and as a direct and unavoidable result of such exposure sustains death, loss or disablement within twelve (12) months from the date of Accident, the Company will pay in accordance with the Events as stated in the Benefit Table. Disappearance If the Insured Person disappears as a result of the disappearance, sinking or wrecking of the Common Carrier caused by an Accident in which the Insured Person was traveling at the time of the Accident during the course of the insured Journey and remains missing after twelve (12) months from the date of the Accident, and the Company has reason to believe that the Insured Person has died in the Accident, the Company will pay the Personal Accident benefit, subject to receipt of a signed undertaking by the personal representative of the Insured Person s estate that any such payment shall be refunded to the Company if it is later discovered that the Insured Person did not die as a result of the Accident. Exclusion Applicable to Section 2 Personal Accident 1. For the purpose of Section 2, in no event shall the Company be liable to pay for any loss caused by an Injury or otherwise which is a consequence of any kind of disease or sickness. SECTION 3 - JOURNEY CANCELLATION AND INTERRUPTION 3a. Journey Cancellation loss of basic tour fee and/or Accommodation paid in advance by the Insured Person and for which the Insured Person is legally liable and which are not recoverable from any other source consequent upon the cancellation of the insured Journey necessitated by the occurrence of any of the followings, within thirty (30) days before the scheduled departure date of the insured Journey (except for sub-paragraphs (iii) and (iv) below) : i. Death or Serious Injury Or Serious Sickness of the Insured Person, Insured Person's Immediate Family Member or Traveling Companion; ii. Witness summons, jury service or compulsory quarantine of the Insured Person; iii. Unexpected outbreak of strike by the employees of a Common Carrier, epidemic, riot or civil commotion within the period of one (1) week before the departure date of the planned insured Journey; iv. Serious damage to the Insured Person's and/or the Traveling Companion's Primary Residence in Hong Kong from fire, flood, earthquake or similar natural disasters within the period of one (1) week before the departure date of the planned insured Journey which requires the Insured Person's and/or Traveling Companion's presence in the premises on the departure date of the insured Journey. This coverage under Section 3a (Journey Cancellation) cannot be utilized once the Insured Person has commenced the insured Journey. 3b. Journey Interruption (1) Curtailment Expenses the amount of basic tour fee and/or Accommodation forfeited and/or additional travel fare and/or Accommodation reasonably and necessarily incurred after the commencement of the insured Journey where the Insured Person has to terminate and cut short the insured Journey and return to Hong Kong as a result of the following reasons: i. Death, Serious Injury or Serious Sickness or hijacking of the Insured Person or Traveling Companion; ii. iii. Death, Serious Injury or Serious Sickness of Insured Person's Immediate Family Member; Sudden occurrence of strike by the employees of a Common Carrier, unanticipated outbreak of riot or civil commotion, natural disasters, or epidemic at the planned destination which prevents the Insured Person from continuing with his/her scheduled insured Journey. (2) Journey Re-arrangement additional and reasonable travel fare and/or Accommodation incurred after the commencement of the insured Journey as AIG Insurance Hong Kong Limited Page 1 of 7 HKPTU Happy Travel Protection (Annual Plan) 12/2016 TCP

2 a direct result of sudden occurrence of strike by the employees of a Common Carrier, unanticipated outbreak of riot or civil commotion, inclement weather, natural disasters, or epidemic at the planned destination. Such reimbursement is only payable if the aforesaid expenses are incurred solely for the purpose of the continuation of the traveling to the original planned destination comprised in the insured Journey. Curtailment Expenses payable under Section 3b.(1) in relation to the amount of basic tour fee and/or Accommodation forfeited will be calculated in proportion to the number of days remaining after the relevant interruption of the insured Journey. Actual expenses incurred in relation to additional travel fare and/or Accommodation for the insured Journey payable under both Section 3b(1) (Curtailment Expenses) and 3b(2) (Journey re-arrangement) will be reimbursed up to the Maximum Benefit as stated in the Schedule of Benefits. (3) Compulsory Quarantine the amount of pro-rated basic tour fee and/or Accommodation forfeited after the commencement of the insured Journey where the Insured Person is Compulsorily Quarantined due to suspected exposure to Pandemic Influenza infection. Compulsory Quarantine payable under Section 3b(3) in relation to the amount of basic tour fee and/or Accommodation forfeited will be calculated in proportion to the number of quarantined days during the insured Journey. The maximum amount payable under Section 3b(1) (Curtailment Expenses), Section 3b(2) (Journey re-arrangement) and Section 3b(3) (Compulsory Quarantine) shall not in aggregate exceed 100% of the Maximum Benefit for Section 3b (Journey Interruption) as stated in the Schedule of Benefits. This coverage Section 3b (Journey Interruption) is effective only if this insurance is purchased before the Insured Person becomes aware of any circumstances which can lead to the disruption or interruption of the Insured Journey. Exclusions Applicable to Section 3 - Journey Cancellation and Interruption No benefits will be provided for any loss: 1. That is covered by any other existing insurance scheme, government program, or which will be paid or refunded by any Common Carrier, travel agent or any other provider of transportation and/or accommodation. 2. That is caused directly or indirectly by government regulations or control, bankruptcy, liquidation or default of travel agents, tour operator and/or Common Carrier. 3. Where the Insured Person becomes aware of any circumstances leading to the cancellation and/or disruption of his/her insured Journey before a) the purchase of this travel insurance or b) the commencement of each insured Journey thereafter. 4. That is directly or indirectly arising from the Insured Person's failure to notify the travel agent / tour operator or provider of transportation or accommodation immediately if it is necessary to cancel the travel arrangement for the reasons set out in sub-paragraph i. to iv. of Section 3a (Journey Cancellation) or sub-paragraphs i. to iii. of Section 3b (Curtailment Expenses). 5. In respect of losses claimed under Section 5a (Travel Delay), Section 3b(1) (Curtailment Expenses) and Section 3b(2) (Journey re-arrangement) arising from the same cause. 6. If the Insured Person fails to produce to the Company with a written confirmation containing the information, issued by the government or other relevant authorities regarding the Compulsory Quarantine, including but not limited to the quarantined period and the reason for such quarantine. SECTION 4 - PERSONAL EFFECTS 4a. Baggage and Personal Effects The Company will pay the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for loss of or damage to baggage, clothing and personal effects, worn, carried by the Insured Person by hand, in trunks, suitcases and like receptacles owned by the Insured Person occurring during the insured Journey. If any damaged article is proven to be beyond economical repair, a claim will be dealt as if the article had been lost. The Company shall not be liable for more than HK$2,000 in respect of any one (1) article, pair or set of articles and may make payment or at its opinion reinstate or repair the article, pair, or set of articles subject to due allowance for wear and tear. Exclusions Applicable to Section 4a - Baggage & Personal Effects No benefits will be provided for: 1. The following classes of property: business goods or sample, foodstuffs, animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, any other conveyances, household furniture, antiques, jewelry or accessories, mobile phone (including PDA phone and other accessories), money (including checks, traveler s checks, etc), plastic money (including credit value of credit cards, Octopus cards, etc), securities, tickets or documents. 2. Any loss or damage caused by wear and tear, gradual deterioration, moths, vermin, inherent vice or damage sustained due to any process initiated by the Insured Person to repair, clean or alter any property. 3. Any loss or damage to hired or leased equipment. 4. Any loss of or damage to property resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate such property; or in respect of any property which is contraband or which is or has been illegally transported or traded. 5. Any loss of or damage to property insured under any other insurance, or which could be reimbursed by Common Carrier, a hotel, and any service providers or otherwise. 6. Any loss of or damage to property which function normally after it has been fixed or repaired by a third party. 7. With respect to any of the Insured Person s baggage which the Insured Person either intentionally sent by a different Common Carrier than the one in which the Insured Person was traveling, or with respect to any baggage, souvenir or other items which the Insured Person mailed or shipped separately. 8. Any loss of the Insured Person's baggage when it is left unattended in public place or as a result of the Insured Person's failure to take due care and precautions for the safe guard and security of such property. 9. Any loss of data recorded on tapes, cards, diskettes or otherwise. 10. Breakage or damage to fragile articles. 11. Any loss or damage while in the custody of a hotel or Common Carrier, unless reported immediately on discovery in writing to such hotel or Common Carrier within three (3) days and a Property Irregularity Report is obtained in the case of the event occurred in an airline. 12. Any loss not reported to the police within twenty-four (24) hours from occurrence of the incident and such police report not obtained at the place of loss. 13. Loss by any mysterious disappearance. 14. Shortage due to error, omission, exchange or depreciation in value. 15. Receipts of the claimed items submitted which are not in the Insured Person s name. 16. Any loss claimed under Section 5b (Baggage Delay) arising from the same cause. 4b. Personal Money The Company will reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for the loss of cash, bank notes, traveler's check and money order arising out of robbery or burglary occurring during the insured Journey. This reimbursement is subject to the condition that the relevant loss must have been reported to the police at the place of loss within twenty-four (24) hours from the occurrence of the incident and any such claim must be accompanied by written documentation and report from such police. Exclusions Applicable to Section 4b - Personal Money No benefits will be provided: 1. In respect of any form of the plastic money (including credit value of credit cards, Octopus cards, etc) or securities. 2. In respect of losses not reported to the police within twenty-four (24) hours from the occurrence of the incident and for such police report is not obtained at the place of loss. 3. In respect of shortage due to error, omission, exchange or depreciation in value. 4. In respect of loss of traveler's checks where such loss is not immediately reported to the local branch or agent of the issuing authority. 5. For loss by any mysterious disappearance. 6. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate such cash, bank notes, check or property; or in respect of any cash, bank notes, check or property which is (or represents the proceeds of) contraband or which is or has been illegally transported or traded (or represents the proceeds of such actions). 4c. Travel Documents In the event that the Insured Person loses his/ her travel documents and/or travel tickets during the insured Journey as a direct result of robbery, burglary or theft, the Company will reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for: (i) the replacement cost for travel documents and/or travel tickets; and/or (ii) reasonable additional cost of travel fare and/or Accommodation necessarily incurred by an Insured Person for the sole purpose of making necessary travel arrangements for replacing the travel documents. Exclusions Applicable to Section 4c - Travel Documents No benefits will be provided: 1. If the loss is not reported to the police within twenty-four (24) hours from the occurrence of the incident and for which such police report is not obtained at the place of loss. 2. If the lost travel document and/or visa and/or travel tickets which are not needed by the Insured Person to complete to the insured Journey. 3. For loss by any mysterious disappearance. 4. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate such cash, bank notes, check or property; or in respect of any cash, bank notes, check or property which is (or represents the proceeds of) contraband or which is or has been illegally transported or traded (or represents the proceeds of such actions). 5. For both the temporary and permanent version of the same travel document. In the event of such loss, an Insured Person may claim either one (1) version but not both. SECTION 5 - DELAY COVERAGE 5a. Travel Delay (i) Delay The Company shall pay the Maximum Benefit as stated in the Schedule of Benefits in the event that the departure time of the Common Carrier in which the Insured Person has arranged to travel is delayed for a full eight (8) hours from the departure time of the Common Carrier specified in the itinerary supplied to the Insured Person by the Common Carrier which such delay is caused directly by inclement weather, natural disaster, equipment failure, hijack or strike by the employees of the Common Carrier during the insured Journey. OR (ii) Cancellation the expenses paid in advance and any amounts for which he/she is legally liable and are not recoverable from any other source if he/she decides to cancel the insured Journey due to inclement weather, natural disasters, equipment failure, hijack or strike by the employees of the Common Carrier which causes delay of departure for at least ten (10) hours after the time of check-in for departure. This coverage is effective only if the insured Journey is arranged before the announcement of any event or occurrence leading up to the relevant delay of the Common Carrier by the authorized representative/management of the Common Carrier. The Insured Person can only claim for either i or ii above but not both. Exclusions Applicable to Section 5a - Travel Delay No benefits will be provided for any loss: 1. Failure of the Insured Person to obtain written confirmation from the Common Carrier on the number of hours and the reason for such delay. 2. Any loss arising from any event or occurrence leading up to the relevant delay of the Common Carrier which is announced by the authorized representative / management of the Common Carrier before a) this insurance is purchased or b) the commencement of each insured Journey thereafter. 3. Any loss arising from late arrival of Insured Person at the airport or port (i.e. arrival at a time later than the time required for check-in or booking-in except for the late arrival due to strike by the employees of the Common Carrier). 4. Any loss arising from failure of Insured Person to get on-board the first available alternative transportation offered by the administration of the relevant Common Carrier. 5. Any consequential loss arising from the late arrival of a preceding Common Carrier that causes subsequent delays/misconnections of each Common Carrier in which the Insured Person has arranged to travel during the course of the insured Journey. 6. Any loss claimed under Section 3b(2) (Journey Re-arrangement) arising from the same cause. 5b. Baggage Delay The Company shall pay HK$250 to the Insured Person in the consequence of temporary deprivation of the Insured Person s baggage for each ten (10) hours of delay from time of arrival at the overseas destination due to the misdirection in delivery of the baggage by a Common Carrier on which the Insured Person is traveling during the insured Journey and subject to the Maximum Benefit as stated in the Schedule of Benefits. This benefit can only be utilized once during the insured Journey. Exclusions Applicable to Section 5b. - Baggage Delay No benefits will be provided: 1. For the failure of the Insured Person to obtain written confirmation from the Common Carrier on the number of hours and the reason for such delay. 2. With respect to any of the Insured Person s baggage which the Insured Person either intentionally sent by a different Common Carrier than the one in which the Insured Person was traveling, or with respect to any baggage, souvenir or other items which the Insured Person mailed or shipped separately. 3. For any loss claimed under Section 4a (Baggage and Personal Effects) arising from the same cause. SECTION 6 - PERSONAL LIABILITY The Company shall indemnify the Insured Person up to the Maximum Benefits as stated in the Schedule of Benefits for legal liability to a third party arising during the insured Journey as a result of: 1. death or accidental bodily Injury to a third party; 2. accidental loss of or damage to property of a third party. However, the Insured Person must not make any offer or promise of payment or admit his/her fault to any other party, or become involved in any litigation without the Company's written approval. Exclusions Applicable to Section 6 - Personal Liability No benefits will be provided for: 1. Property of any person who is the Insured Person, Insured Person s Immediate Family Member or employer or deemed by law to be his/her employee. 2. Liability to any person who is the Insured Person s Immediate Family Member or employer or deemed by law to be his/her employee. 3. Property which belongs to the Insured Person or is in his/her care of custody or control. 4. Any liability assumed under contract. 5. Liability relating to the willful, malicious, or unlawful act on the part of the Insured Person. 6. Liability arising from the ownership, possession or use of vehicles, aircraft, watercraft, firearms or animals. 7. Liability arising from the undertaking of any trade, business or profession. 8. Liability arising from any criminal acts. GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS THE COMPANY WILL NOT PAY UNDER ANY SECTION OF THIS POLICY FOR LOSS, INJURY, DAMAGE OR LIABILITY SUFFERED AND/OR, SUSTAINED BY OR ARISING DIRECTLY OR INDIRECTLY AS A RESULT OF OR IN CONNECTION WITH ANY OF THE FOLLOWING: 1. War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power; 2. This Policy will not cover any loss, injury, damage or legal liability arising directly or indirectly from planned or actual travel in, to, or through Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region 3. This Policy will not cover any claim, loss, injury, damage or legal liability suffered or sustained by residents of Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region AIG Insurance Hong Kong Limited Page 2 of 7 HKPTU Happy Travel Protection (Annual Plan) 12/2016 TCP

3 4. The Company shall not be deemed to provide cover and the Company shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the Company, its parent company or its ultimate controlling entity to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws, or regulations of the European Union or the United States of America; 5. Any illegal or unlawful act by the Insured Person or confiscation, detention, destruction by customs or other authorities; 6. Any prohibition or regulations by any government (except where a government is subjecting an Insured Person to Compulsory Quarantine as covered under Section 3a(ii) and 3b(3)); any breach of government regulation or any failure by the Insured Person to take reasonable precautions to avoid a claim under this insurance following the warning of any intended strike by the employees of a Common Carrier, riot or civil commotion, inclement weather, natural disasters, or epidemic; 7. Any Terrorist Act except for Section 1 (Emergency Medical Expenses and Assistance) and Section 2 (Personal Accident) ; 8. The Insured Person is not taking all reasonable efforts to safeguard his/her property/money, or to avoid Injury to minimize any claim under this insurance; 9. Riding or driving in any kind of motor racing, competition, engaging in a professional capacity in any sport where an Insured Person would or could earn income or remuneration from engaging in such sport as sole source of income; 10. Any loss which has connection with the effects of alcohol or drugs other than those prescribed by a Qualified Medical Practitioner; 11. Pregnancy or childbirth, and any Injury or Sickness associated with pregnancy or childbirth; 12. Suicide or attempted suicide or intentional self-injury; or self-exposure to needless peril; 13. Any Pre-Existing, congenital and heredity condition; 14. AIDS or any Injury or Sickness commencing in the presence of a sero positive test for HIV and related disease, sexually transmitted disease; 15. Psychosis, sleep disturbance disorder, mental or nervous disorders; 16. The Insured Person engaging in naval, military or airforce service or operations; armed force service; being as a crew member or an operator of any air carrier; testing of any kind of conveyance; engaging in any kind of labor work; engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives; performing as actor/actress; being a site worker, fisherman, cook or kitchen worker; tour guide or tour escort; 17. Any medical treatment received during an insured Journey which was made for the purpose of receiving medical treatment or if the insured Journey was undertaken while the Insured Person was unfit to travel; or the Insured Person is traveling against the advice of a Qualified Medical Practitioner; 18. Any loss and expenses that can be reimbursed or recovered from any other source except for Section 1d (Overseas Hospital Cash), Section 2 (Personal Accident) and Section 5 (Delay Coverage); 19. Any Insured Person who is a People s Republic of China passport holder and travels to/within People s Republic of China (except Hong Kong, Taiwan and Macau). However, this exclusion will be waived if the Insured Person mentioned in the aforesaid has an official document issued by the overseas Government other than People s Republic of China (except Hong Kong, Taiwan and Macau) as proof that he/she is a legal resident of the respective country but traveling with a People s Republic of China passport. DEFINITIONS Accident means an unforeseen and involuntary event which causes an Injury during an insured Journey. Accommodation means room charge only. Acquired Immune Deficiency Syndrome or AIDS shall have the meanings assigned to it by the World Health Organization including Opportunistic Infection, Malignant Neoplasm, Human Immune Deficiency Virus (HIV) Encephalopathy (Dementia), HIV Wasting Syndrome or any disease or sickness in the presence of a sero-positive test for HIV. Chinese Medicine Practitioner shall mean any Chinese bonesetter, acupuncturist or Chinese medicine practitioner who is legally registered as a Chinese medicine practitioner under the Chinese Medicine Ordinance (Cap 549, Laws of Hong Kong), including a Chinese Medicine Practitioner who is the Insured Person or an Immediate Family Member of the Insured Person. Common Carrier shall mean any bus, coach, ferry, hovercraft, hydrofoil, ship, train, tram or underground train provided and operated by a carrier duly licensed for the regular transportation of fare-paying passengers, and any fixedwing aircraft provided and operated by an airline or an air charter company which is duly licensed for the regular transportation of fare-paying passengers and any helicopter provided and operated by an airline which is duly licensed for the regular transportation of fare-paying passengers and operating only between established commercial airports or licensed commercial heliports, and any regularly scheduled airport limousine operating on fixed routes and schedules. Compulsorily Quarantined or Compulsory Quarantine means the Insured Person is ordered to be quarantined compulsorily by the government or other relevant authorities. Confinement or Confined means the period the Insured Person is registered as an in-patient in a Hospital because of a medical necessity under the professional care of a Qualified Medical Practitioner and which the Hospital levies a charge for room and board for the treatment of an Injury or Sickness for such confinement. Effective Date means either 1) the issue date of this Policy; 2) the commencement of each insured Journey thereafter or 3) the date the Journey Cancellation benefit becomes effective, whichever is later. Hong Kong means the Hong Kong Special Administrative Region or the HKSAR. Hospital shall mean a hospital (other than an institution for the aged, chronically ill or convalescent rest or nursing home or a place for alcoholics or drug addicts, or for any similar purpose) operated pursuant to law for the care and treatment of sick or injured persons with organized facilities for diagnosis and surgery and having 24 hours nursing service and medical supervision. Immediate Family Member means Insured Person s spouse, parent, parent-in-law, grandparent, son or daughter, brother or sister, grandchild, legal guardian. Injury shall mean the bodily injury sustained in an Accident directly and independently of all other causes. Insured Person shall mean the insured named in the Policy Schedule or subsequently endorsed herein. Journey shall mean the period of travel commencing from the Insured Person leaves the Hong Kong immigration counter on the departure date specified in the travel itinerary for the purpose of commencement of his/her insured Journey and until the expiration of a ninety (90) days period beginning from the date of each insured Journey or the Insured Person's arrival at any immigration counter for returning to Hong Kong after the insured Journey, whichever first occurs. Loss Of or Loss Of Use shall mean the Permanent total functional disablement or complete and permanent physical severance through or above the wrists or ankle joints, and as used with reference to eyes, shall mean the entire and irrecoverable loss of sight. Loss of Hearing shall mean Permanent irrecoverable loss of hearing where: If a db - Hearing loss at 500 Hertz, If b db - Hearing loss at 1,000 Hertz If c db - Hearing loss at 2,000 Hertz If d db - Hearing loss at 4,000 Hertz 1/6 of (a+2b+2c+d) is above 80dB. Loss of Speech shall mean the disability in articulating any three of the four sounds which contribute to the speech such as the Labial sounds, the Alveololabial sounds, the Palatal sounds and the Velar sounds or total loss of vocal cord or damage of speech center in the brain resulting in Aphasia. Malignant Neoplasm shall include but not be limited to Kaposi's sarcoma, central nervous system lymphoma and/or other malignancies now known or which become known as immediate causes of death, an illness, or disability, in the presence of Acquired Immune Deficiency. Maximum Benefit means the benefit amount of each of the benefits covered under this Policy as stated in the Schedule of Benefits Medically Necessary Expenses means expenses incurred and paid by the Insured Person to a legally Qualified Medical Practitioner, physician, surgeon, nurse, hospital and/or ambulance service for medical, surgical, X-ray, hospital or nursing treatment including the cost of medical supplies and ambulance hire but excluding the cost of dental treatment unless such treatment is necessarily incurred to sound and natural teeth and is caused by Injury, and excluding any expenses incurred under Section 1b (Emergency Medical Evacuation) and Section 1c (Repatriation of Remains) of this Policy. All treatment must be prescribed by a Qualified Medical Practitioner in order for expenses to be reimbursed under this Policy. Provided that in the event an Insured Person becomes entitled to a refund of all or part of such expenses from any other source, the Company will only be liable for the excess of the amount recoverable from such other sources. Opportunistic Infection shall include but not be limited to pneumocystis carinii pneumonia, organism of chronic enteritis, virus and/or disseminated fungi infection. Pandemic Influenza means an epidemic of an influenza virus that spreads on a worldwide scale and infects a large proportion of human population to the extent that the World Health Organization has announced that the level of Epidemic and Pandemic Alert and Response is phase 5 or above. Percentage of Principal Sum is the Percentage of Principal Sum as stated in the Benefit Table in Section 2 (Personal Accident) herein. Permanent shall mean lasting twelve (12) consecutive calendar months from the date of an Accident and at the expiry Page 3 of 7 AIG Insurance Hong Kong Limited of the twelve (12) months period being beyond any hope of improvement. Permanent Total Disablement shall mean disablement which commences ninety (90) days from the date of the Accident and which is Permanent and which entirely prevents an Insured Person from attending to any business or gainful occupation of any and every kind or if he/she has no business or occupation from attending to any duties, which would normal be carried out by him/her in his/her daily life. Policy Schedule means the attachment to this Policy entitled Policy Schedule as may be amended by the Company from time to time. Pre-existing Condition means any condition for which the Insured Person, Immediate Family Member or Traveling Companion received from or were recommended by a Qualified Medical Practitioner during a ninety (90) days period prior to the Effective Date as stated in the Policy for: a) any medical treatment; b) any diagnosis; c) any consultation; or d) any prescribed drugs leading to a claim under this Policy; or any Symptom which existed within ninety (90) days prior to the Effective Date leading to a claim under this Policy. Primary Residence means the house or building permanently occupied by the Insured Person for the sole purpose of private dwelling in Hong Kong. Principal Sum means the Maximum Benefit. Qualified Medical Practitioner shall mean any person legally authorized by the Government with jurisdiction in the geographical area of his or her practice to render medical or surgical service, but excluding a qualified medical practitioner who is the Insured Person or an Immediate Family Member of the Insured Person. Schedule of Benefits means the section to this Travel Insurance Terms and Conditions entitled Schedule of Benefits and may be amended by the Company from time to time. Serious Injury Or Serious Sickness means an injury or sickness for which the Insured Person or Traveling Companion requires treatment and which is certified by a Qualified Medical Practitioner as being dangerous to life and as rendering the Insured Person or Traveling Companion unfit to travel or continue with his/her original insured Journey. When Serious Injury Or Serious Sickness is applied to the Insured Person s Immediate Family Member(s), it shall mean injury or sickness for which the Insured Person s Immediate Family Member requires treatment, certified by a Qualified Medical Practitioner as being dangerous to life and which results in the Insured Person s discontinuation or cancellation of his/her original insured Journey. Sickness means a sickness or disease which is contracted during the insured Journey directly and independently of any other cause and which commences during the insured Journey. Symptom means a sign or an indication of disorder or disease experienced by an individual. Terrorist Act shall mean any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption, or commission of an act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not. Criminal acts, primarily committed for personal gain and acts arising primarily from prior personal relationships between perpetrator(s) and victim(s) shall not be considered terrorist acts. Terrorist act also includes any act, which is verified or recognised by the (relevant) Government as an act of terrorism. Third Degree Burns means full thickness skin destruction due to burns. Traveling Companion shall mean the person who is to accompany with the Insured Person for the whole insured Journey. Usual, Reasonable And Customary shall mean an expense which: (1) is charged for treatment, supplies or medical services medically necessary for caring of Insured Person(s) under the care, supervision, or order of a Qualified Medical Practitioner; (2) does not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expense is incurred; and (3) does not include charges that would not have been made if no insurance existed. War shall mean war, whether declared or not, or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends. GENERAL CONDITIONS 1. All Insured Persons covered under this Policy should be legal Hong Kong residents. 2. At the time this insurance becomes effective, the Insured Person must be fit to travel and not be aware of any circumstances which could lead to cancellation or disruption of the insured Journey, otherwise any claim could be forfeited 3. No refund of premium is allowed once the Policy has been issued. 4. If the Insured Person is covered under more than one (1) comprehensive voluntary travel insurance policies underwritten by the Company for the same Journey, only the travel insurance policy with the greatest compensation will apply and benefits thereunder be payable. 5. The insurance is only valid for conventional leisure travel or business travel (limited to administrative duty) purpose only and shall not apply to persons undertaking expeditions, treks or similar journeys. 6. The maximum period of an insured Journey cannot exceed ninety (90) days per Journey. 7. Any non-disclosure or fraudulent misrepresentation in any particular material shall lead to the whole Policy being void from inception. 8. For Insured Person under seventeen (17) years of age on the Effective Date, the Maximum Benefit payable will be HK$250,000 subject to the Percentage of Principal Sum payable stated in the Benefit Table under Section 2 (Personal Accident) whilst 50% of the Maximum Benefit will be payable for all other sections covered under this Policy except Section 1b (Emergency Medical Evacuation) and Section 1c (Repatriation of Remains). GENERAL PROVISIONS 1. ENTIRE CONTRACT The Policy Schedule, Travel Insurance Terms and Conditions, and endorsements (if any) shall constitute the entire contract of insurance. No statement made by the applicant for insurance not included herein shall avoid the Policy or be used in any legal proceedings hereunder unless such statement is fraudulent. No agent has authority to change this insurance or to waive any of its provisions. No change in this insurance shall be valid unless approved by the Company and such approval is endorsed hereon. 2. ELIGIBILTY The insurance under this Policy shall only cover a) For adult between age seventeen (17) and seventy (70) years old; b) For child under seventeen (17) years old. 3. 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 the Insured Person s age has been misstated and if, according to Your correct age, the coverage provided by the Policy would not have become effective, or would have ceased prior to the acceptance of each premium or premiums, then the Company s liability during the period that the Insured Person is not eligible for coverage shall be limited to the refund of all premiums paid for the period covered by the Policy. 4. STATUS CHANGE The Insured Person must take full responsibility to inform the Company forthwith of any change in respect of the information provided in the application for this Policy, otherwise the Company reserves it s right to refuse or invalidate all claims under this Policy. 5. RENEWAL CLAUSE This Policy will be in force by payment of premium in advance. However, the Company reserves it s rights to make adjustment on the premium rates, benefits, terms and conditions of this Policy upon each renewal. 6. GRACE PERIOD In respect of an annual payment policy, a grace period of thirty-one (31) days from the expiry date will be granted for payment of renewal premium. Otherwise, the Policy will lapse from the expiry date. 7. REINSTATEMENT OF POLICY If this Policy lapses due to non-payment of premiums, it may be reinstated with the Company s approval. Benefits will not, however, be payable for any event likely to give rise to a claim under this Policy which occurs while the Policy has lapsed and Pre-existing Condition should re-apply as if the Policy commenced on such reinstatement date. 8. TERMINATION a. All coverage under this Policy will be terminated when any premium pertaining to the Policy is not paid at the end of the Grace Period; or b. on next premium due date when the Insured Person no longer fulfills the eligibility as stated under Clause (2) Age Limit for Insured Person of General Provisions section; or c. All coverage under this Policy will be terminated on the date the status change of the Insured Person is not approved and accepted by the Company; or d. Upon the occurrence of any loss of the Insured Person for which indemnity is payable as provided under HKPTU Happy Travel Protection (Annual Plan) 12/2016 TCP

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