trunks, suitcases and like receptacles owned by the Insured Person as a direct result of robbery, burglary or theft occurring during the insured Journ

Transcription

1 AIG Working Holiday Protection 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, AIG Insurance Hong Kong Limited (hereinafter called the Company ) agrees to provide insurance to the Insured Person(s) named in the Policy Schedule in relation to a Journey that commenced and occurred during the Period of Insurance subject to the terms and conditions of this Policy (hereinafter called "insured Journey") and promises to pay indemnity for loss to the extent provided herein. The Policy Schedule, Terms and Conditions and endorsements (if any), shall constitute the entire contract of insurance (hereinafter called the Policy ). BENEFITS SECTION 1 - PERSONAL ACCIDENT 1a. Accident while in a Common Carrier The benefit under this Section is payable to the Insured Person who suffers an Injury while riding as a fare paying passenger (and not as pilot, operator or crew member) in or on, or while boarding or alighting from any Common Carrier at the time of Injury during the insured Journey which, directly and independently of all other causes, results in any Event provided in the Benefit Table hereunder, but only to the extent and if such Injury results in such Event happening to the Insured Person within ninety (90) days after the date of the Accident. This Section is extended to cover an Injury sustained by the Insured Person while riding on, boarding or alighting from a carrier arranged by a travel agent or while the Insured Person is driving or riding in an automobile at the time of Injury during the insured Journey which, directly and independently of all other causes, results in any Event provided in the Benefit Table hereunder, but only to the extent and if such Injury results in such Event happening to the Insured Person within ninety (90) days after the date of the Accident. 1b. Other Accidents The benefit under this Section is payable only with respect to Injury sustained by an Insured Person as a result of an Accident other than those Accidents referred to in Section 1a (Accident while in a Common Carrier) 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 Loss of 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 75% head surface area Equal to or greater than 2% but less than 5% damage of total 50% head surface area 2. Body Equal to or greater than 20% damage of total body surface area 100% (exclude head Equal to or greater than 15% but less than 20% damage of total 75% surface area) body surface area Equal to or greater than 10% but less than 15% damage of total 50% body surface area Compensation: 1. If more than one (1) of the above Events are applicable, only the Event with the highest compensation (i.e. the highest Percentage of Principal Sum) will be payable under this Section and in any event shall not exceed the Maximum Benefit 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, 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 the Accident covered under this Policy 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 permanently disabled prior to the Accident. This Section is extended to cover an Injury sustained by the Insured Person: 1. While he/she is traveling directly from his/her place of residence in Hong Kong to the immigration counter within three (3) hours before the 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 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 to 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 1 - Personal Accident 1. For the purpose of Section 1, 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 2 - EMERGENCY MEDICAL EVACUATION AND REPATRIATION OF REMAINS 2a. Emergency Medical Evacuation When as a result of an Injury sustained or Sickness commencing while 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 representative 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. 2b. 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. The total amount payable under Section 2a. Emergency Medical Evacuation and 2b. Repatriation of Remains shall not exceed the Maximum Benefits as stated in the Schedule of Benefits. Exclusions Applicable to Section 2 - Emergency Medical Evacuation and Repatriation of Remains 1. 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 provided under the same circumstances. (For Section 2a. Emergency Medical Evacuation only) 2. 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 2b. Repatriation of Remains only). SECTION 3 - OVERSEAS HOSPITAL CASH The Company will pay the Insured Person USD50 per one (1) day of overseas Hospital Confinement in the event that the Insured Person is Confined in a Hospital outside Hong Kong due to an Injury or Sickness sustained during the insured Journey. The Overseas Hospital Cash benefit payable per policy year is subject to the Maximum Benefits stated in the Schedule of Benefits. SECTION 4 COMPASSIONATE VISIT The Company will reimburse up to the Maximum Benefit as stated in the Schedule of Benefits for the reasonable additional Travel Ticket and/or Accommodation necessarily incurred by one (1) adult Immediate Family Member to fly over to be with and/or take care of the Insured Person, following the death, Serious Injury Or Serious Sickness of the Insured Person during the insured Journey. This coverage can only be utilized once during the Period of Insurance. Exclusions Applicable to Section 3 Overseas Hospital Cash and Section 4 Compassionate Visit 1. 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. 2. If the purpose of the insured Journey is to obtain medical treatment or the insured Journey is undertaken against the Qualified Medical Practitioner's recommendation. 3. For failure to obtain a written medical report from the Qualified Medical Practitioner. 4. 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. SECTION 5 - COMPASSIONATE DEATH CASH The Company shall pay the Insured Person's estate a cash benefit up to the Maximum Benefit as stated in the Schedule of Benefits in case the Insured Person dies during the insured Journey as a result of Sickness. SECTION 6 JOURNEY CURTAILMENT The Company shall reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for the amount of additional Travel Ticket 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. Serious Injury Or Serious Sickness of the Insured Person ; ii. Death, Serious Injury Or Serious Sickness of the Insured Person s Immediate Family Members ; iii. unanticipated outbreak of riot or civil commotion, natural disasters, or epidemic at the Destination which prevents the Insured Person from continuing with his/her scheduled insured Journey. This coverage can only be utilized once during the Period of Insurance. Exclusions Applicable to Section 6 - Journey Curtailment 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 Common Carrier, travel agent or any other provider of transportation and/or accommodation. 2. That arises from any circumstances leading to disruption of his/her insured Journey before the purchase of this insurance. SECTION 7 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 AIG Insurance Hong Kong Limited Page 1 of 8 WHP_R (03/2014) (rev 11/2015)

2 trunks, suitcases and like receptacles owned by the Insured Person as a direct result of robbery, burglary or theft 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 USD400 in respect of any one (1) article, pair or set of articles. The Company 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 7 - Baggage and 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 the credit value of credit card, Octopus cards, etc), securities, tickets or documents. 2. Any loss of or damage to hired or leased equipment. 3. Any loss of or damage to property insured under any other insurance, or which could be reimbursed by a Common Carrier, a hotel, and any service providers or otherwise. 4. Any loss of or damage to property which functions normally after it has been fixed or repaired by a third party. 5. 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. 6. 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. 7. Any loss of data recorded on tapes, cards, diskettes or otherwise. 8. Breakage or damage to fragile articles. 9. 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. 10. Any loss not reported to the police within twenty-four (24) hours from occurrence of the incident and such police report is not obtained at the place of loss. 11. Any loss claimed under Section 11 (Baggage Delay) arising from the same cause. 12. Loss by any mysterious disappearance. 13. Shortage due to error, omission, exchange or depreciation in value. 14. Receipts of the claimed items submitted which are not in the Insured Person s name. SECTION 8 TRAVEL DOCUMENT 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 of the 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 8 Travel Document No benefits will be provided for: 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 are not needed by the Insured Person to complete 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 any property; or in respect of any property which is (or represents the proceeds of) contraband or which is or has been illegally transported or traded (or represents the proceeds of such actions). 5. For both the temporary and permanent versions of the same travel document. In the event of such loss, an Insured Person may claim either one (1) version but not both. SECTION 9 - PERSONAL LIABILITY The Company shall indemnify the Insured Person up to the Maximum Benefit 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 9 - 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. 9. Any fines, penalties, aggravated or exemplary damages. SECTION 10 TRAVEL DELAY (APPLICABLE TO PREMIER PLAN ONLY) The Company shall pay USD80 for each of the full eight (8) hours of delay up to the Maximum Benefits as stated in the Schedule of Benefits in the event that the pre booked and paid Common Carrier in which the Insured Person has arranged to travel for the departure from Hong Kong is delayed for at least eight (8) hours from the departure or arrival time specified in the itinerary provided to the Insured Person by the Common Carrier, where such delay is caused directly by inclement weather, natural disaster, equipment failure, hijack or strike by the employees of the Common Carrier.. Departure or arrival delay will be calculated from the original scheduled departure or arrival time specified in the itinerary provided by the Common Carrier to the Insured Person until the actual departure or arrival time of a) the original Common Carrier or b) the first available alternative transportation offered by that Common Carrier management. The Insured Person can only claim for either departure delay or arrival delay of the same delayed Common Carrier. This coverage is effective only if this insurance is purchased 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 Travel Delay benefit payable per policy year is subject to the Maximum Benefits stated in the Schedule of Benefits. Exclusions Applicable to Section 10 - Travel Delay No benefits will be provided for: 1. Failure of the Insured Person to obtain written confirmation from the Common Carrier on the number of hours of and the reason for such delay. 2. Any loss arising from any event or occurrence leading up to the relevant delay already existing and known to the public before this insurance is purchased. 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. SECTION 11 BAGGAGE DELAY (APPLICABLE TO PREMIER PLAN ONLY) The Company shall pay up to the Maximum Benefit as stated in the Schedule of Benefits for the actual expenses incurred for emergency purchase of essential items or requisites in consequence of temporary deprivation of the Insured Person s baggage for full ten (10) hours from the time of arrival at the destination due to the misdirection in delivery of the baggage by a Common Carrier on or in which the Insured Person is traveling for the departure from Hong Kong during the Period of Insurance. This benefit can only be utilized once during the Period of Insurance. Exclusions Applicable to Section 11 - Baggage Delay 1. For the failure of the Insured Person to obtain written confirmation from the Common Carrier as to 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 7 (Baggage and Personal Effects) arising from the same cause. SECTION 12 KIDNAPPING BENEFIT (APPLICABLE TO PREMIER PLAN ONLY) In the event of death of the Insured Person that is caused by Injury inflicted during a Kidnapping while the Insured Person is traveling outside of Hong Kong during the Period of Insurance, the Company shall pay up to the Maximum Benefits stated in the Schedule of Benefits. The insurance of any Insured Person shall terminate upon the occurrence of any loss for which indemnity is payable under this section, but such termination shall be without prejudice to any claim originating out of the event causing such loss. Exclusions applicable to Section 12 - Kidnapping Benefit 1. as the result of fraudulent, dishonest, or criminal acts of the Insured Person. 2. as the result of any Kidnapping arising out of any Terrorist Act. 3. for failure to obtain sufficient proof of such event. SECTION 13 MEDICAL EXPENSES (APPLICABLE TO PREMIER PLAN ONLY) 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 three hundred and sixty-five (365) 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 USD5,000 sought for the above Injury or the above Sickness for that portion of the follow-up medical expenses which i) are incurred within thirty (30) days 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. This Follow-up Medical Expenses benefit shall also be extended to cover the Medically Necessary Expenses incurred for the same purpose paid to Chinese Medicine Practitioner or chiropractor subject to an aggregate limit of USD230 and a per visit and per day limit of USD20. In no event, however, shall the total amount payable per policy year under this Section 13 (Medical Expenses) exceed 100% of the Maximum Benefit as stated in the Schedule of Benefits. Exclusions Applicable to Section 13 -Medical Expenses 1. 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. 2. If the purpose of the insured Journey is to obtain medical treatment or the insured Journey is undertaken against the Qualified Medical Practitioner's recommendation. 3. 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. 4. For failure to obtain a written medical report from the Qualified Medical Practitioner. 5. 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. 6. For the follow up treatment expenses obtained outside Hong Kong. 7. 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. 8. For any cosmetic surgery, refractive errors of eyes, hearing-aids, and prescriptions therefor except necessitated by accidental Injury occurring during the insured Journey. 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. An Insured Person who travels in, to or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria; 3. An Insured Person who is: AIG Insurance Hong Kong Limited Page 2 of 8 WHP_R (03/2014) (rev 11/2015)

3 (i) a Terrorist; (ii) a member of a terrorist organization; (iii) a narcotics trafficker; or (iv) a purveyor of nuclear, chemical or biological weapons; 4. Any illegal or unlawful act by the Insured Person or confiscation, detention, destruction by customs or other authorities; 5. Any prohibition or regulations by any government; 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; 6. Any Terrorist Act except for Section 1 (Personal Accident), Section 2 (Emergency Medical Evacuation and Repatriation of Remains), Section 3 (Overseas Hospital Cash), Section 4 (Compassionate Visit), Section 5 (Compassionate Death Cash) and Section 13 (Medical Expenses). 7. The Insured Person is not taking all reasonable efforts to safeguard his/her property/money, to avoid Injury or to minimize any claim under this insurance; 8. 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 a source of income or Extreme sports and sporting activities; 9. Any loss which has connection with the effects of alcohol or drugs other than those prescribed by a Qualified Medical Practitioner; 10. Pregnancy or childbirth, and any Injury or Sickness associated with pregnancy or childbirth; 11. Suicide or attempted suicide or intentional self-injury, or self-exposure to needless peril; 12. Any Pre-Existing Condition, congenital and heredity condition; 13. AIDS or any Injury or Sickness commencing in the presence of a sero positive test for HIV and related disease, sexually transmitted disease; 14. Psychosis, sleep disturbance disorder, mental or nervous disorders; 15. The Insured Person engaging in naval, military or airforce service or operations; armed force/ disciplinary force or service; being as a crew member or an operator of any air carrier; engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives; employed as driver of any kind of conveyance;, animal trainer, diver,, jockey, newspaper-war correspondent, security guard, stuntman, while working in casino, disco, construction site,, or night club. 16. Any medical treatment received during an insured Journey which was made for the purpose of receiving medical treatment or if the insured Journey was undertaken while the Insured Person was unfit to travel; or the Insured Person is traveling against the advice of a Qualified Medical Practitioner; 17. Any loss and expenses that can be reimbursed or recovered from any other source except for Section 1 (Personal Accident), Section 3 (Overseas Hospital Cash), Section 5 (Compassionate Death Cash), Section 10 (Travel Delay), Section 11 (Baggage Delay) and Section 12 (Kidnapping Benefit); 18. The Insured Person undertakes expeditions, treks or similar journeys. 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), but excluding 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 fixed-wing aircraft provided and operated by an airline or an air charter company which is duly licensed for the regular transportation of fare-paying passengers and any helicopter provided and operated by an airline which is duly licensed for the regular transportation 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. 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. Destination means the destination specified under Remark of the Schedule of Benefits. Extreme sports and sporting activities means any sport or sporting activities that present a high level of inherent danger (i.e. involves a high level of expertise, exceptional physical exertion, highly specialized gear or stunts) including but not limited to big wave surfing, canoeing down rapids, cliff jumping, horse jumping, ultra marathons and stunt riding. It does not mean usual tourist activities that are accessible to the general public without restriction (other than height or general health or fitness warnings) and which are provided by a recognized local tour operator but always providing that the Insured Person is acting under the guidance and supervision of qualified guides and/or instructors of the tour operator when carrying out such tourist activities. Hong Kong means the Hong Kong Special Administrative Region. 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 Person(s) named in the Policy Schedule or subsequently endorsed herein. Journey wherever used in this Policy shall mean the period of travel commencing from when the Insured Person leaves an immigration counter of Hong Kong for the purpose of commencement of working holiday until the Insured Person's arrival at any immigration counter of Hong Kong after the said journey or the expiry date of the Period of Insurance, whichever first occurs. The deviation or sojourns to/from any country before the first arrival at the Destination of the working holiday are not included for the purposes of this policy. "Kidnapping" means the unlawful act of taking away of a person by force, threat, or deceit, with intent to cause him to be detained against his will, usually to hold the person for ransom or in furtherance of another crime. 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 Sight shall mean the entire and irrecoverable loss of sight. 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 Syndrome. Maximum Benefit means the maximum benefit amount of each of the benefits covered under this Policy for the Period of Insurance 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 2a (Emergency Medical Evacuation) and Section 2b (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. Percentage of Principal Sum is the Percentage of Principal Sum as stated in the Benefit Table in Section 1 (Personal Accident) herein used to calculate the compensation payable. Period of Insurance means the Period of Insurance in the Policy Schedule attached to the Policy. Permanent shall mean lasting twelve (12) consecutive months from the date of an Accident and at the expiry 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 normally 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 or Immediate Family Member received from or were recommended by a Qualified Medical Practitioner prior to the commencement of the insured Journey of this 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 prior to the commencement of the insured Journey leading to a claim under this Policy. 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 Policy Schedule entitled Schedule of Benefits as 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 requires treatment and which is certified by a Qualified Medical Practitioner as being dangerous to life and as rendering the Insured Person 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 and 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 or member of a terrorist organization shall mean any person who commits, or attempts to commit, a Terrorist Act or who participates in or facilitates the commission of a Terrorist Act and/or is verified or recognized or designated by any government or authority or committee as a terrorist. 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 shall mean full thickness skin destruction due to burns. Travel Ticket means an economy class travel ticket purchased for traveling on any Common Carrier. 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. 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. 2. The insured Journey must commence from Hong Kong. This condition shall be waived if this is a renewal policy. 3. If the Insured Person is covered under more than one (1) comprehensive voluntary insurance policies underwritten by the Company for the same trip, only the insurance policy with the greatest compensation will apply and benefits thereunder be payable. 4. The insurance is only valid for working holidays purpose only and shall not apply to persons undertaking expeditions, treks or similar journeys. 5. Any non-disclosure or fraudulent misrepresentation in any particular material shall lead to the whole Policy being void from inception. GENERAL PROVISIONS 1. ENTIRE CONTRACT The Policy Schedule, 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. ELIGIBILITY The Insured Person must be a legal Hong Kong resident aged between 18 and 31 and renewable up to 34 years old (subject to the approval of the Company) who is issued a working holiday visa or relevant documentations by the relevant participating countries. The list of the participating countries can be found at and as revised from time to time. 3. RENEWAL CONDITIONS If the Insured Person wishes to renew the Policy, the Insured Person has to give a written notice to the Company expressing the intention to renewal at least thirty (30) days prior to the expiry date of the current policy. AIG Insurance Hong Kong Limited Page 3 of 8 WHP_R (03/2014) (rev 11/2015)

4 Otherwise, the request of renewal will not be considered. The Company reserves its right to not accept renewal of the policy or to adjust the terms and conditions of the policy at renewal, including the premium charged and benefits offered. The Company s acceptance of premium coupled with its renewal confirmation shall constitute its consent to renewal. 4. TIME OF NOTICE OF CLAIM Written notice of loss on which a claim may be based must be given to the Company within thirty (30) days after the date of the incident causing such loss and in the event of accidental death, immediate notice thereof must be given to the Company. 5. FORMS FOR PROOF OF LOSS The Company, upon receipt of such notice, will furnish to the claimant such forms as are usually furnished by it for filing proofs of loss. If such forms are not so furnished within fifteen (15) days after the receipt of such notice, the claimant shall be deemed to have complied with the requirements of this Policy as to proof of loss upon submitting within the time fixed in this Policy for filing proofs of loss, written proof covering the occurrence, character and extent of the loss for which a claim is made. All certificates, information and evidence required by the Company shall be furnished at the expense of the Insured Person/claimant or his legal personal representatives and shall be in such form and of such nature as the Company may prescribe. 6. TIME FOR FILING PROOF OF LOSS Affirmative proof of loss must be furnished to the Company at its said office in case of a claim for such loss within sixty (60) days after the termination of the period for which the Company is liable. If it shall be shown not to have been reasonable possible to give such notice within such time, such proof is furnished as soon as reasonable possible and within one (1) year after the date of such loss. 7. SUFFICIENCY OF NOTICE Such notice by or on behalf of the Insured Person given to the Company, with particulars sufficient to identify the Insured Person shall be deemed to be notice to the Company. Failure to give notice within the time provided in this Policy shall not invalidate any claim if it shall be shown not to have been reasonably possible to give such notice and that notice was given as soon as was reasonably possible. 8. IMMEDIATE PAYMENT OF INDEMNITIES All indemnities provided in this Policy for loss other than that of time on account of disability will be paid immediately after receipt of due proof. 9. TO WHOM INDEMNITIES PAYABLE Any indemnity paid for loss of life shall be payable to the Insured Person s estate. All other indemnities shall be payable to the Insured Person except for Emergency Medical Evacuation and Repatriation of Remains where relevant amounts will be paid directly to the provider of service in accordance with the terms of this Policy. 10. MISSTATEMENT OF AGE In the event the age of the Insured Person has been misstated, and if according to the correct age of the Insured Person, the coverage provided by the Policy would not have become effective, or would have ceased prior to the acceptance of such premium or premiums, then the liability of the Company during the period the Insured Person is not eligible for coverage shall be limited to the refund, upon written request, of all premiums paid for the period not covered by the Policy. 11. TERMINATION CLAUSE 1. The policy will be terminated: i. upon the death of the Insured Person ii. in the circumstances mentioned under Compensation item 2 under Section 1 Personal Accident of Benefits. iii. upon the expiry of the Period of Insurance. iv. upon the expiry date of the Working Holiday Visa 2. The Company may cancel this Policy at any time by written notice delivered to the Insured Person or mailed to his/her last known address as shown by the records of the Company stating when such cancellation shall be or shall have been deemed effective. In the event of such cancellation, the Company will return promptly the pro rata unearned portion of any premium actually paid by the Insured Person. Such cancellation shall be without prejudice to any claim originating prior thereto. In the event the Policy is cancelled by the Policyholder, the earned premium shall be computed in accordance with the short rate table used by the Company at the time of cancellation. Duration of Period of Insurance Refund to Policyholder exhausted 2 months (Minimum) 60% 3 months 50% 4 months 40% 5 months 30% 6 months 25% Over 6 months Nil If the Policyholder could submit the rejected confirmation on the working holiday visa application before the Period of Insurance for the policy cancellation, the premium shall be fully refunded, subject to USD50 administration fee payable to the Company. 12. FRAUDULENT CLAIMS If the claim be in any respect fraudulent or if any fraudulent means or devices be used by the Insured Person or anyone acting on the behalf to obtain any benefit under this Policy, all benefit in respect of such claims shall be forfeited. 13. RIGHT OF RECOVERY In the event that authorization of payment and/or payment is made by the Company and/or its authorized representative for a claim which is not covered under this Policy or when the limit of liability of this insurance exceeds, the Company reserves the right to recover the said sum or excess from the Insured Person. 14. RIGHTS OF THIRD PARTIES Nothing in this Policy is intended to confer a direct enforceable benefit on any party other than the Insured Person(s) and the Company, whether pursuant to the Contracts (Rights of Third Parties) Ordinance or otherwise. It is hereby noted and agreed, however, that the Company and the Policyholder named in the Schedule alone have the right to amend this Policy by agreement or (if any such rights exist in the Policy) to cancel or terminate the Policy, without giving notice, or requiring the consent of any other person. 15. MEDICAL EXAMINATION AND TREATMENT The Company at its own expense shall have the right and opportunity to conduct medical examination on the Insured Person when and as often as it may reasonably require during a pending claim under this Policy and to make an autopsy in the case of death where it is not forbidden by law. The Insured Person shall as soon as possible after the occurrence of any Injury or Sickness obtain and follow the advice of a duly Qualified Medical Practitioner and the Company shall not be liable for any consequences arising by reason of the Insured Person 's failure to obtain or follow such advice and use such appliances or remedies as may be prescribed. 16. SUBROGATION In the event of any payment under this Policy, the Company shall be subrogated to all the Insured Person s rights of recovery therefore against any person or organization and the Insured Person shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights. The Insured Person shall take no action after the loss to prejudice such rights. 17. LEGAL ACTIONS No action at law or in equity shall be brought to recover on this Policy prior to the expiration of sixty (60) days after written proof of loss has been furnished in accordance with the requirements of this Policy. No such action shall be brought after the expiration of three (3) years after the time written proof of loss is required to be furnished. 18. LIMITATIONS CONTROLLED BY STATUTE If any time limitation of this insurance, with respect to giving notice of claim or furnishing proof of loss, is less than that permitted by the law of Hong Kong, such limitation is hereby extended to agree with the minimum period permitted by such law. 19. COMPLIANCE WITH POLICY PROVISIONS Failure to comply with any of the provisions contained in this Policy shall invalidate all claims hereunder. 20. POLICY INTERPRETATION This Policy is subject to the laws of the Hong Kong and the parties hereto agree to submit to the jurisdiction of the courts of the Hong Kong. 21. ASSIGNMENT No notice of assignment of interest under this Policy shall be binding upon the Company unless and until the original or a duplicate thereof is filed at the Home Office of AIG Insurance Hong Kong Limited, 46/F, One Island East, 18 Westlands Road, Island East, Hong Kong and the Company s consent to such assignment is endorsed. The Company does not assume any responsibility for the validity of an assignment. No provision of the charter, constitution or by-laws of the Company shall be used in defense of any claim arising under this Policy, unless such provision is incorporated in full in this Policy. 22. DATA PRIVACY The Insured Person/Policyholder/Applicant agree(s) that: (a) the personal data collected during the application process or administration of this policy may be used by AIG HK for the purposes stated in its Data Privacy Policy, which include underwriting and administering the insurance policy being applied for (including obtaining reinsurance, underwriting renewals, data matching, claim processing, investigation, payment and subrogation). (b) AIG HK may use the Insured Person s/policyholder s/applicant s contact details (name, address, phone number and address) to contact him/her about other insurance products provided by the AIG group (assuming AIG HK has obtained the agreement of the Insured Person/Policyholder/Applicant to use such contact details for this purpose). (c) AIG HK may transfer the personal data to the following classes of persons (whether based in Hong Kong or overseas) for the purpose identified: i) third parties providing services related to the administration of this policy, including reinsurers (per (a) above); ii) financial institutions for the purpose of processing this policy and obtaining policy payments (per (a) above); iii) in the event of a claim, loss adjustors, assessors, third party administrators, emergency providers, legal services providers, retailers, medical providers and travel carriers (per (a) above); iv) for the purpose of conducting direct marketing activities (per (b) above), marketing companies authorized by the AIG group; v) another member of the AIG group (for all of the purposes stated in (a) and (b)) in any country; or vi) other parties referred to in AIG HK s Data Privacy Policy for the purposes stated therein. (d) The Insured Person/Policyholder/Applicant may gain access to, or request correction of his/her personal data (in both cases, subject to a reasonable fee), or change the option he/she previously elected in relation to the use of his/her contact details for direct marketing at any time, by writing to the Privacy Compliance Officer of AIG Insurance Hong Kong Limited at GPO Box 456 or cs.hk@aig.com. The same addresses may be used to contact AIG HK with any comments in relation to the services it provides. The full version of AIG HK s Data Privacy Policy can be found at CLERICAL ERROR Clerical errors by the Company shall not invalidate insurance otherwise valid nor continue insurance otherwise not valid. Copyright in this Terms and Conditions is reserved. No part of this Terms and Conditions may be reproduced in whole or part without the express consent of AIG Insurance Hong Kong Limited. AIG Insurance Hong Kong Limited Page 4 of 8 WHP_R (03/2014) (rev 11/2015)