Symptom Terrorism Third Degree Burns Total Disablement a sign or an indication of disorder or disease experienced by an individual. an act of terroris

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1 Certificate of Insurance TravelFun Travel Insurance Plan 24-hour Emergency Assistance Hotline: Please quote Master Policy No.: TVB ZC Enquiry Hotline: Claims Hotline: In consideration of the payment of premium, we agree to insure the insured person(s) named in the official receipt issued in relation to an insured journey and promise to pay indemnity for loss to the extent provided in this certificate of insurance. This certificate of insurance is issued subject to and in accordance with the definitions, exclusions, provisions and terms of the Master Policy no. TVB ZC ( Policy ) together with any schedules, application forms or endorsements hereto. The definitions, exclusions, provisions and terms of the Policy together with any schedules, enrollment forms or endorsements thereto constitute the contract of insurance between the insured person(s) and us. Part 1 Definitions Certain words in this certificate of insurance have specific meanings. We have printed these words in italics throughout this certificate of insurance and have given the meanings below: Accident/Accidental Accommodation Certificate of Insurance China Chinese Medicine Practitioner Close Business Partner Compulsory Quarantine Confined / Confinement Effective Date Follow-Up Hong Kong Hospital Illness Immediate Family Member Infectious Disease a sudden and unforeseen event that happens unexpectedly and causes injury to the insured person during an insured journey. room charge only. this certificate of insurance and any other documents referred to in Clause 1 of the Part 5 - General Provisions section of the certificate of insurance. the territorial limit of the People s Republic of China, but excluding Hong Kong and Macau. a Chinese medicine practitioner other than the insured person or an immediate family member, who is registered under the Chinese Medicine Ordinance in the Laws of Hong Kong. a close business partner who is a resident in Hong Kong of the insured person proved as such to the satisfaction of us on the basis of business registration or corporate registration documentation, which is acceptable to us. the insured person is being confined in an isolated ward of a hospital or kept in an isolated site appointed by the government for at least one (1) full day and continuously stays in there until discharged from the quarantine. the insured person is registered as an in-patient in a hospital for a medical treatment for an injury or illness upon the recommendation of a medical practitioner and continuously stays in the hospital prior to his/her discharge from the hospital. Hospital confinement will be evidenced by a daily room and board charged by the hospital. either (i) the issue date of this certificate of insurance or (ii) the date on which the Cancellation of Trip benefit under Section 9 becomes effective, whichever is the later. the medical treatments directly caused by the injury or illness suffered by the insured person for which the insured person has received treatments or hospital confinement during the insured journey. the Hong Kong Special Administrative Region of the People s Republic of China. an establishment which meets all the following requirements: holds a licence as a hospital (if licensing is required in the state or governmental jurisdiction); and operates primarily for the admission, care and treatment of sick, ailing or injured persons as inpatients; and provides 24-hour a day nursing service by registered or graduated nurses; and has a staff of one(1) or more licensed medical practitioner available at all times; and provides organized facilities for diagnosis and major surgical facilities; and is not primarily a clinic, nursing, rest or convalescent home or similar establishment or a place for alcoholics or drug addicts. sickness or disease of the insured person contracted and commenced during the insured journey and which results in a loss covered by this certificate of insurance. the insured person s spouse, parent, parent-in-law, grandparent, son or daughter, brother or sister, grandchild or legal guardian. any kinds of infectious disease with human-to-human spread in a large cluster(s) of a local population which is announced by the World Health Organization. Injury bodily injury sustained in an accident directly and independently of all other causes. Insured Journey the period of travel commencing from the time when the insured person departs from an immigration counter in Hong Kong, until the time when the insured person (i) returns to Hong Kong on the date specified in the official receipt or (ii) arrives at any immigration counter in Hong Kong, whichever is the earlier. Insured Person the person(s) named on the official receipt or subsequently endorsed hereon as insured person(s). Itinerary the detailed plan for a journey issued and confirmed by public common carrier, travel agent, tour operator or cruise company, together with the official receipt or confirmation, prior to the commencement of the insured journey. Lap-Top Computer Loss of Hearing Loss of Limb Loss of Sight Loss of Speech Loss of Use Maximum Benefits Medically Necessary Expenses Medical Practitioner Official Receipt Permanent Pre-existing Condition Principal Home Public Common Carrier a lap-top, notebook or sub-notebook computer. Personal digital assistant (PDA), hand-held computer (HHC), and tablet PC of any kinds are excluded from this category. permanent irrecoverable loss of hearing where:- If a db = Hearing loss at 500 Hertz If b db = Hearing loss at 1,000 Hertz If c db = Hearing loss at 2,000 Hertz If d db = Hearing loss at 4,000 Hertz 1/6 (a+2b+2c+d) is above 80dB. loss by physical separation at or above the wrist or ankle joint. the entire and permanent irrecoverable loss of sight. the disability in articulating any three (3) of the four (4) sounds which contribute to the speech such as the labial sounds, the alveololabial sounds, the palatal sounds and the velar sounds or total loss of vocal cord or damage of speech centre in the brain resulting in aphasia. permanent total functional disablement or complete and permanent physical separation at the limb or organ. the benefit amount of each of the benefits covered under this certificate of insurance as stated in the Table of Benefits. expenses incurred from the first day of sustaining an injury or illness during the insured journey which are paid by the insured person to a medical practitioner, physiotherapist, nurse, hospital and/or ambulance service for medical, surgical, X-ray, hospital or nursing treatment including the cost of medical supplies and ambulance hire but excluding any expenses incurred under Section 2(b) - Emergency Medical Evacuation and/or Repatriation Service or Section 2(c) Repatriation of Mortal Remains of Part 2 of this certificate of insurance. All treatments must be prescribed by a medical practitioner in order for expenses to be reimbursed under this certificate of insurance. In the event that the insured person becomes entitled to a refund of all or part of such expenses from any other source, we will only be liable for the excess of the amount recoverable from such other sources. a person other than the insured person or immediate family member, qualified by a degree in western medicine and legally authorized in the geographical area of his/her practice to render medical and surgical services. the official receipt issued by the travel agent to the insured person bearing an assigned certificate number. lasting not less than twelve (12) consecutive months from the date of an accident and at the expiry of that period being beyond hope of improvement. any symptom existed in or any condition which received by the insured person, travel companion, immediate family member or close business partner within one hundred and eighty (180) days prior to the effective date and for which a medical practitioner recommended to treat under: (a) any medical treatment; or (b) any diagnosis; or (c) any consultation; or (d) any use of prescribed drugs leading to a claim under this certificate of insurance. the house or building located in Hong Kong occupied as a private dwelling by the insured person as his/her only permanent residence. any mechanically propelled conveyance operated by a company or an individual licensed to carry passengers for hire including but not limited to bus, coach, taxi, ferry, cruise ship, hovercraft, hydrofoil, ship, train, tram or underground train, and any fixed-wing aircraft provided and operated by an airline or an air charter company which is duly licensed for the regular transportation of fare-paying passengers and any helicopter provided and operated by an airline which is duly licensed for the regular transportation of farepaying passengers and operating only between established commercial airports or licensed commercial heliports, and an regularly scheduled airport limousine operating on fixed routes and schedules. Relevant Documents documents include enrollment form, official receipt, certificates of insurance, table of benefits, declarations, riders, endorsements, attachments and amendments (regardless verbally or in written format). Serious Physical Injury or Serious Illness an injury or illness which requires treatment by a medical practitioner and which results in the insured person or travel companion being certified by that medical practitioner as being unfit to travel or continue with the insured person s original travel arrangement. For immediate family member(s) or close business partner, serious physical injury or serious illness shall mean injury or illness which requires treatment and which is certified by a medical practitioner as being life-threatening and which results in the insured person s discontinuation or cancellation of his/her original insured journey.

2 Symptom Terrorism Third Degree Burns Total Disablement a sign or an indication of disorder or disease experienced by an individual. an act of terrorism refers to any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s), carry out any act, preparation or threat of action which is intended to influence any government de jure or de facto of any nation or any political division thereof and/ or to intimidate the public or any section of the public of any nation for political, religious, ideological, or similar purposes. An act of terrorism must be confirmed and announced to the public by the relevant government. However, any event arising from war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, insurrection, military force or coup, or any act with the use of nuclear engineering shall be excluded from this definition. the damage or destruction of the skin to its full depth and damage to the tissues beneath. when as the result of injury and commencing within ninety (90) days from the date of an accident the insured person is totally disabled and prevented from engaging in each and every occupation or employment for compensation or profit Travel Agent Travel Companion Travel Ticket War We, Us or Our for which the insured person is reasonably qualified by reason of his/her education, training or experience, or if the insured person has no business or occupation, total disablement means the inability of the insured person to perform any activities which would normally be carried out in the insured person s daily life. Hong Kong Wing On Travel Services Limited. the person who made the travel booking or reservation together with the insured person and accompany the insured person for the whole insured journey other than the tour guide or tour member. a travel ticket purchased for travelling on any public common carrier. a contest by force between two (2) or more nations, carried on for any purpose; or armed conflict of sovereign powers; or declared or undeclared and open hostilities; or the state of nations among whom there is (i) an interruption of peaceful relations and (ii) a general contention by force, both authorized by the sovereign. Zurich Insurance Company Ltd Part 2 Table of Benefits Maximum Benefits per Insured Person per Insured Journey (HKD) Section Coverage Short Tour Plan Worldwide Tour Plan (Macau & Guangdong Province*) Section 1 Medical Cover (a) Medical Expenses - including sublimit for follow-up medical expenses 1,000, , , ,000 (b) Overseas Travelling Expenses for Seeking Medical Treatment in Hospital (c) Overseas Hospital Cash Allowance 10,000 (500 per day) Not Applicable (d) Compulsory Quarantine Cash Allowance due to Infectious Disease 3,000 (300 per day) Not Applicable (e) Trauma Counseling Expenses 5,000 (1,000 per day) 5,000 (1,000 per day) Section 2 Zurich Emergency Assistance (a) Deposit Guarantee for Hospital Admission 78,000 (b) Emergency Medical Evacuation and/or Repatriation Service Unlimited (c) Repatriation of Mortal Remains Unlimited (d) Accommodation Expenses 7,800 (1,950 per day) (e) 24-hour Telephone Hotline and Referral Services Included Section 3 Personal Accident (a) Accident on Public Common Carrier 1,000, ,000 (b) Other Accident * Insured person aged below 17 or over 75 will entitle to 50% of the maximum benefits 500, ,000 Section 4 Compassionate Visit Cover (a) Compassionate Visit 30,000 (Including 2 economy class travel ticket and accommodation) (b) Child Guard 30,000 (Including 1 economy class travel ticket and accommodation) (c) Compassionate Death Cash 10,000 10,000 (d) Extra Compassionate Death Cash due to High Altitude Syndrome For insured person aged 75 or below For insured person aged over 75 50,000 25,000 Not Applicable Not Applicable Section 5 Personal Baggage Cover Baggage and Personal Effects 10,000 2,500 Sublimits: Per article, pair, set or collection 3,000 2,000 An aggregate limit of all cameras and camcorders and their related 5,000 2,500 accessories and equipment An aggregate limit of all clothing 5,000 2,500 An aggregate limit of all sport equipment 5,000 2,500 Section 6 Personal Money, Travel Document and Credit Card Cover (a) Personal Money 3, (b) Loss of Travel Document and/or Travel Ticket and/or Unauthorized Use of Lost Credit Card 10,000 1,500 Section 7 Baggage Delay Cover Baggage Delay (over 10 hours) 1,000 Not Applicable Section 8 Travel Delay Cover (a) Travel Delay (over 6 hours) 2,000 (300 per 6 hours) Not Applicable (b) Re-routing Cost (over 10 hours) Actual Cost Not Applicable (c) Extra Hotel Cost (over 6 hours) 1,500 Not Applicable (d) Loss of Vacation Allowance (over 24 hours) 1,000 (500 per day) Not Applicable (e) Cancellation due to Travel Delay (over 10 hours) 2,500 Not Applicable Section 9 Travel Inconvenience Cover (a) Cancellation of Trip 30,000 3,000 (b) Single Occupancy 5,000 Not Applicable (c) Curtailment of Trip 30,000 3,000 Section 10 Personal Liability Personal Liability 1,000, ,000 Section 11 Zurich Personal Care Cover (a) Involuntary Journey Extension Allowance 2,500 (500 per day) Not applicable (b) Rental Vehicle Excess 3,000 Not Applicable * including tours arranged by the travel agent to Guangdong province, or to Guangdong province plus other provinces within Mainland China.

3 Section 1 Medical Cover (a) Medical Expenses If the insured person suffers from injury or illness during the insured journey and incurs reasonable medically necessary expenses, we will reimburse the actual medically necessary expenses incurred by the insured person. Inclusive of Follow-up Medical Expenses This section also insures the insured person up to the sublimit as stated in the Table of Benefits against any actual medically necessary expenses charged by a medical practitioner in Hong Kong for the follow-up of medical treatment sought by the insured person for the injury or illness within six (6) months after the insured person s return to Hong Kong. The follow-up medical expenses shall also be extended to cover the medical expenses incurred for the same purpose paid to the Chinese medicine practitioner subject to an aggregate limit of HKD1,800 and a per visit per day limit of HKD150. In no event shall the total amount payable under this Section 1(a) Medical Expenses exceed 100% of the maximum benefits as stated in the Table of Benefits. (b) Overseas Travelling Expenses for Seeking Medical Treatment in Hospital We shall pay the actual traveling expenses (a receipt of the transportation fee is required as a proof of claim) to and from hospital up to the maximum benefits as stated in the Table of Benefits incurred by the insured person for the purpose of seeking medical treatment in an overseas hospital if the insured person suffers from injury or illness during the insured journey. (c) Overseas Hospital Cash Allowance (Applicable to Worldwide Tour Plan Only) If the insured person is confined in an overseas hospital due to an injury or illness during the insured journey, we will pay a daily allowance up to the maximum benefits as stated in the Table of Benefits. (d) Compulsory Quarantine Cash Allowance due to Infectious Disease (Applicable to Worldwide Tour Plan Only) In the event that the insured person is suspected or confirmed to have contracted infectious disease during the insured journey and results in compulsory quarantine by the local government, or by the Hong Kong Government within three (3) days upon completion of the insured journey and returning to Hong Kong, we will pay the insured person a daily quarantine cash allowance up to the maximum benefits as stated in the Table of Benefits. In the event that more than one (1) compulsory quarantine have been arisen in the same insured journey, the maximum amount payable under this benefit shall not exceed the maximum benefits as stated in the Table of Benefits. Special Conditions for Section 1(d) 1. Any dwelling quarantine is excluded from this benefit. 2. No benefit shall be payable if the planned destination(s) has been declared as an infected area on or before the departure date of the insured journey. (e) Trauma Counseling Expenses If during the insured journey, an insured person is the victim of a traumatic event including but not limited to accident on public common carrier, armed hold-up, assault, natural disaster or acts of terrorism, we shall pay the cost of trauma counseling incurred in Hong Kong within six (6) months after the insured person's return to Hong Kong. The trauma counseling must be recommended by a medical practitioner in writing and agreed by us with prior written consent. The maximum amount payable under this benefit shall not exceed the maximum benefits as stated in the Table of Benefits. Exclusions applicable to Section 1 1. non-essential medical treatment that is not recommended by a medical practitioner; any loss or medical expenses arising from any travel contrary to the advice of a medical practitioner or for the purpose of receiving medical or surgical treatment; any loss if the insured person refuses to follow the recommendation of a medical practitioner to return to Hong Kong, or refuses to continue the insured journey whilst the insured person s physical condition at the time of recommendation is fit for travel; 2. surgery or medical treatment which is not substantiated by a written report from the medical practitioner or Chinese medicine practitioner; 3. surgery or medical treatment when in the opinion of the medical practitioner treating the insured person, the treatment is not urgent and medically necessary during the insured journey, and can be reasonably delayed until the insured person returns to Hong Kong, or until his/her arrival in the country of citizenship or the declared country of final destination which the repatriation arrangement was made by Zurich Emergency Assistance; 4. dental care and treatment unless such cost is incurred due to the necessary dental treatment for the sound and natural teeth of the insured person and is caused by injury during the insured journey; 5. cosmetic surgery, refractive errors of eyes or hearing-aids, and prescriptions therefor except necessitated by injury occurring during the insured journey; 6. the follow-up treatment expenses obtained outside the country of citizenship or declared country of final destination for the insured person not returning to Hong Kong (only applicable to the circumstance stated in Section 2(b) of this certificate of insurance); 7. any additional cost of single or private room accommodation at a hospital or charges in respect of special or private nursing except in the event of Emergency Medical Evacuation provided under Section 2(b); non-medical personal services such as radio, telephone and the like; procurement or use of special braces (unless the use of special braces is resulting from accident only and it is recommended in writing by medical practitioner), appliances or equipment. Section 2 Zurich Emergency Assistance Zurich Emergency Assistance will arrange for the following benefits in the event that the insured person has suffered from injury or illness during the insured journey and pay for any costs and expenses arising thereof: (a) Deposit Guarantee for Hospital Admission Upon admission to a hospital, Zurich Emergency Assistance will provide a guarantee for admission deposit up to a limit of HKD78,000 in respect of any one (1) insured person. Such deposit shall be fully refunded to us and is borne solely by the insured person unless otherwise covered under Section 1 Medical Cover of this certificate of insurance. (b) Emergency Medical Evacuation and/or Repatriation Service The actual cost of transportation, medical services and medical supplies necessarily and unavoidably incurred as a result of an emergency medical evacuation of the insured person to another location for medical treatment, or repatriation of the insured person to Hong Kong or the insured person s country of citizenship or declared country of final destination. The timing, means and final destination of evacuation will be decided by Zurich Emergency Assistance and will be based entirely upon medical necessity. (c) Repatriation of Mortal Remains The reasonable and unavoidable expenses for transporting the insured person s mortal remains from the place of death to either Hong Kong or the insured person s country of citizenship or declared country of final destination, or the cost of local burial at the place of death as approved by Zurich Emergency Assistance. The cost shall include cost of a casket, the embalming and cremation process rendered by a mortician or undertaker. (d) Accommodation Expenses Zurich Emergency Assistance shall pay for the hotel accommodation expenses necessarily and unavoidably incurred by the insured person in connection with any incident requiring emergency medical evacuation (pursuant to Section 2(b) above) to resume the course of the insured person s insured journey or to return him/her to Hong Kong up to a maximum of HKD1,950 per day and up to a limit of HKD7,800 per insured journey. Any approval on the payment of expenses incurred by the insured person is subject to the sole decision of Zurich Emergency Assistance on the basis of medical necessity. (e) 24-hour Telephone Hotline and Referral Services i. Pre-Trip Information Assistance ii. Embassy Referral iii. Medical Service Provider Referral iv. Lost Passport Assistance v. Lost Luggage Assistance vi. Interpreter Referral vii. Lawyer Referral viii. Telephone Medical Advice ix. Monitoring of Medical Condition When Hospitalized x. Arrangement for Medical Expenses Guarantee In respect of services (ix) and (x) above, all hospitalization expenses or medical expenses charged to the insured person by a hospital, medical practitioner other than our approved doctors, or any other medical professions are to be borne by the insured person unless otherwise covered under this certificate of insurance. ZURICH EMERGENCY ASSISTANCE is rendered by the service provider nominated by Zurich Insurance Company Ltd. Exclusions applicable to Section 2 No service will be provided or paid under this section: 1. when the insured person is located in areas which represent war risks or political conditions thereby making the provision of services under this section impossible or reasonably impracticable; 2. for emergency medical evacuation and/or repatriation or repatriation of mortal remains or other cost not approved in advance and in writing and/or not arranged by Zurich Emergency Assistance. This exclusion shall not apply to emergency medical evacuation from remote or primitive areas where Zurich Emergency Assistance cannot be contacted in advance and delay might reasonably be expected to result in loss of life or extreme prejudice to the insured person s prospect; 3. when the insured person is residing or travelling outside Hong Kong contrary to the advice of a medical practitioner; 4. when the insured person is residing or travelling outside Hong Kong for the purpose of obtaining medical treatment or for rest and recuperation following any prior accident or illness. Section 3 Personal Accident In the event of an accident described under Section 3(a) or 3(b) as below which causes injury to the insured person, and such injury results in any one (1) of the following Events listed in the Compensation Table hereunder within ninety (90) consecutive days after the date of the accident, we will pay compensation in accordance with the percentage stated in the Compensation Table, up to the maximum benefits as stated in the Table of Benefits. (a) Accident on Public Common Carrier During the insured journey the insured person suffers from injury while riding solely as a fare paying passenger (not as operator, pilot, or crew member) in or on, boarding or alighting from any public common carrier; (b) Other Accident The insured person suffers from injury resulting from an accident other than the accident referred in Section 3(a) above during the insured journey. Events A. Accidental Death and Disablement Compensation Table Percentage of Maximum Benefits 1. Death 100% 2. Permanent total disablement 100% 3. Permanent and incurable paralysis of all limbs 100% 4. Permanent total loss of sight of both eyes 100% 5. Permanent total loss of sight of one eye 100% 6. Loss of or the permanent total loss of use of two limbs 100% 7. Loss of or the permanent total loss of use of one limb 100% 8. Loss of speech and loss of hearing 100% 9. Permanent and incurable insanity 100% 10. Permanent total loss of hearing in (a) both ears (b) one ear 75% 15% 11. Loss of speech 50% 12. Permanent total loss of lens of one eye 50% 13. Loss of or the permanent total loss of use of four fingers and thumb of (a) right hand 70% (b) left hand 50% 14. Loss of or the permanent total loss of use of any four fingers of (a) right hand 40% (b) left hand 30% 15. Loss of or the permanent total loss of use of one thumb (a) both right joints 30% (b) one right joint 15% (c) both left joints 20% (d) one left joint 10%

4 16. Loss of or the permanent total loss of use of fingers (a) three right joints (b) two right joints (c) one right joint (d) three left joints (e) two left joints (f) one left joint 17. Loss of or the permanent total loss of use of toes (a) all toes one foot (b) great toe both joints (c) great toe one joint 15% 10% 7.5% 10% 7.5% 5% 20% 7.5% 5% 18. Permanent disability not otherwise provided for under Events 10 to 17 inclusive, such percentage of the maximum benefits as we shall in its absolute discretion determine and being in its opinion not inconsistent with the compensation provided under Events 10 to 17 inclusive. B. Third Degree Burns Area Head Body (Exclude Head) Damage as a percentage of total surface area (a) Equal to or greater than 8% damage of total head surface area (b) Equal to or greater than 5% but less than 8% damage of total head surface area (c) Equal to or greater than 2% but less than 5% damage of total head surface area (a) Equal to or greater than 20% damage of total body surface area (b) Equal to or greater than 15% but less than 20% damage of total body surface area (c) Equal to or greater than 10% but less than 15% damage of total body surface area Percentage of Maximum Benefits 100% 75% 50% 100% 75% 50% i. Benefit shall not be payable for more than one (1) of the Events listed above in respect of the same accident. Should more than one (1) of the Events occur as a result of the same accident, only the Event with the highest compensation will be payable under this section. ii. The insurance for any insured person(s) under this certificate of insurance shall terminate upon the occurrence of any compensation 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. iii. When a limb or organ which had been partially disabled prior to an injury covered under this certificate of insurance and which becomes totally disabled as a result of such injury, the percentage of maximum benefits payable shall be determined by us having regard to the extent of disablement caused by the injury. However, no payment shall be made in respect of the loss of a limb or organ which was totally disabled prior to the injury. Special Condition for Section 3 The insured person can only make a claim under either Section 3(a) or 3(b) in respect of the same accident. Extensions to Section 3 1. Under this section, we extend to cover any injury sustained by the insured person while: (a) the insured person is traveling directly from his/her place of residence or place of regular employment in Hong Kong to Hong Kong Immigration Department office/ counter within three (3) hours before the insured person s scheduled departure time of the public common carrier in which the insured person has arranged to travel for the (b) purpose of commencing the insured journey; and the insured person is traveling directly from Hong Kong Immigration Department office/ counter to his/her place of residence or place of regular employment within three (3) hours after the insured person s actual arrival time of the public common carrier in which the insured person has arranged to travel for returning to Hong Kong from the insured journey. 2. Disappearance Clause If the body of the insured person has not been found within one (1) year after the date of the disappearance due to accident, sinking or wrecking of the aircraft or other public common carrier either on the ground or at sea in which the insured person was traveling at the time of the accident and under such circumstances as would otherwise be covered hereunder, it will be presumed that the insured person suffered death resulting from bodily injury caused by an accident covered by this certificate of insurance at the time of such disappearance, sinking or wrecking. Exclusion applicable to Section 3 This section does not cover death or any loss caused by an injury which is a consequence of any kind of disease and/or illness. Section 4 Compassionate Visit Cover (a) Compassionate Visit We will pay for the economy class round-trip travel ticket and the actual and reasonable hotel accommodation expenses incurred up to the maximum benefit as stated in the Table of Benefits incurred by two (2) immediate family members to travel over (or two (2) travel companion if appropriate to stay behind provided only a one-way economy class travel ticket) to be with and/or take care of the insured person, as a result of death, serious physical injury or serious illness of the insured person during the insured journey. This coverage can only be utilized once during any one (1) insured journey. (b) Child Guard We will pay for the economy class round-trip travel ticket and the actual and reasonable hotel accommodation expenses incurred up to the maximum benefit as stated in the Table of Benefits incurred by one (1) immediate family member (or one (1) travel companion if appropriate provided only a one-way economy class travel ticket) to accompany with the relevant insured person s child(ren) who is/are travelling with the insured person and aged under fifteen (15) years old to return to Hong Kong (or declared country of final destination) in the event of death or confinement of the said insured person in an overseas hospital due to serious physical injury or serious illness and no other immediate family member accompanies with the child(ren) for the rest of the insured journey. (c) Compassionate Death Cash In the event of death (accident or natural) of the insured person during the insured journey, we will pay to the estate of the insured person a compassionate death cash up to the maximum benefits as stated in the Table of Benefits. (d) Extra Compassionate Death Cash due to High Altitude Syndrome (Applicable to Worldwide Tour Plan only) In the event of death of an insured person arising out of high altitude syndrome during the insured journey and such diagnosis is certified by a medical practitioner, we will pay to the estate of the insured person an extra compassionate death cash up to the maximum benefits as stated in the Table of Benefits. Exclusions applicable to Section 4 1. when the insured person is residing or traveling outside Hong Kong contrary to the advice of a medical practitioner; 2. when the insured person is residing or traveling outside Hong Kong for the purpose of obtaining medical treatment or for rest and recuperation following any prior accident or illness. Section 5 Personal Baggage Cover Baggage and Personal Effects We will pay for accidental loss of or damage to personal possessions normally worn or carried, including luggage and belonging, owned by the insured person during the insured journey. For any personal possession and belonging that are kept inside an unattended locked vehicle, it must be left inside a trunk of the vehicle. We may make payment or at our option reinstate or repair as we may elect subject to due allowance for wear and tear and depreciation. If any damaged article is proven to be beyond economical repair, a claim shall be dealt with as if the article had been lost. The sublimit for the Personal Baggage Cover is stated in the Table of Benefits. In no event shall the total amount payable under this Section 5 Personal Baggage Cover exceed 100% of the maximum benefits as stated in the Table of Benefits. Exclusions applicable to Section 5 1. any loss not reported to the local police or public authority within twenty-four (24) hours of discovery and such report is not obtained at the place of loss; 2. any loss of or damage to property while in the custody of a hotel or public common carrier, unless reported immediately on discovery in writing to such hotel or public common carrier within three (3) days and a Property Irregularity Report is obtained in case of the event occurred in an aircraft; 3. any loss of property when it is left unattended in public place or in an unlocked vehicle; or as a result of the insured person's failure to take due care and precautions for the safeguard and security of such property; 4. any unexplained loss or mysterious disappearance; 5. any loss of or damage to property insured under any other insurance certificate/policy, or otherwise reimbursed by public common carrier or hotel; 6. the following classes of property: business goods or sample, foodstuffs, medicine, contact lenses, dentures and/or its appliances, animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, any other conveyances, household furniture, antiques, any kind of jewelleries or accessories make of or contain of any kind of gold, platinum, diamond, jade or pearl; mobile phone (including PDA phone, smart phone or similar device with telecommunications function and other accessories), money (including cheques, traveller s cheques, etc.), plastic money (including the credit value of credit card, Octopus cards, etc.), coupons or securities, bonds, negotiable instruments, tickets or documents; 7. lap-top computer with any problems or defects triggered from software and malicious code (including but not limited to download of such software); 8. any loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism, or action taken by government authorities in hindering, combating or defending against such an occurrence; detention or destruction under quarantine or customs regulations, confiscation by order of any government of public authority or risk of contraband or illegal transportation or trade; 9. any loss or damage caused by wear and tear, gradual deterioration, insects, vermin, inherent vice or damage sustained due to any process initiated by the insured person to repair, clean or alter any property; 10. any loss of or damage to property which resumes to function normally after it has been fixed or repaired by a third party with no additional costs incurred to the insured person; 11. damage to any brittle or fragile items like glass or crystal; 12. any loss of or damage to hired or leased equipment; 13. any loss of property not being on the same public common carrier of the insured person, or souvenirs and articles mailed or shipped separately from the insured journey; 14. any loss of data recorded on tapes, cards, diskettes; 15. any loss claimed under Section 7 Baggage Delay Cover arising from the same cause. 16. claims supported by receipts not in the insured person s name. Section 6 Personal Money, Travel Document and Credit Card Cover (a) Personal Money We will reimburse the insured person up to the maximum benefits as stated in the Table of Benefits for the loss of personal money, defined as cash, cheques, money order or traveller s cheques only, belonging to and being carried by the insured person or in a locked hotel room due to robbery, burglary or theft, occurring during the insured journey. (b) Loss of Travel Document and/or Travel Ticket and Unauthorized Use of Lost Credit Card We will pay for the replacement cost of Hong Kong Identity Card, credit cards, driving licence, travel ticket or travel document belonging to the insured person following accidental loss during the insured journey. In the event of the accidental loss of travel ticket and/or travel document belonging to the insured person during the insured journey, we will also reimburse the additional travelling expenses and/or accommodation expenses incurred by the insured person up to the maximum benefits as stated in the Table of Benefits for the sole purpose of making necessary travel arrangement for replacing the travel document, provided that the travelling class and/or the room type for the accommodation shall not be better than the original travelling class and/or the room type for the accommodation in the insured journey. In the event that the credit card is accidentally lost when carried with the insured person during the insured journey, we will also reimburse the insured person up to the maximum benefits as stated in the Table of Benefits for the monetary loss due to unauthorized use of credit card within the insured journey. In no event shall the total amount payable under this Section 6(b) Loss of Travel Document and/or Travel Ticket and Unauthorized Use of Lost Credit Card exceed 100% of the maximum benefits as stated in the Table of Benefits.

5 Exclusions applicable to Section 6 1. any of loss not reported to the local police, hotel management or public authority within twenty-four (24) hours upon discovery of loss and for which a relevant report is not obtained at the place of loss; 2. any loss of property while in the custody of a hotel or public common carrier, unless reported immediately on discovery in writing to such hotel or public common carrier within three (3) days and a Property Irregularity Report is obtained in case of the event occurred in an aircraft; 3. any loss of property when it is left unattended in public place or in an unlocked vehicle; 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; 4. any unexplained loss or mysterious disappearance; 5. any loss of or damage to property insured under any other insurance certificate/policy, or otherwise reimbursed by public common carrier or a hotel; 6. any loss in respect of any form of the plastic money (including the credit value of credit card, Octopus cards, etc.), tickets (except travel ticket), coupons or securities; 7. any loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism, or action taken by government authorities in hindering, combating or defending against such an occurrence; detention or destruction under quarantine or customs regulations, confiscation by order of any government of public authority or risk of contraband or illegal transportation or trade; 8. any fine or penalties incurred due to non-replacement or late replacement of the documents by the insured person; 9. shortage due to error, omission, exchange or depreciation in value; 10. loss of any travel document and/or visa and/or travel ticket which is not indispensable for completing the insured journey; 11. loss of credit card or traveller s cheque not immediately reported to the local branch or agent of the issuing authority; 12. any unauthorized use of credit card by immediate family member. Section 7 Baggage Delay Cover (Applicable to Worldwide Tour Plan only) In the event of the insured person s checked-in baggage being delayed for over ten (10) hours after the insured person s arrival at the scheduled destination abroad, regardless of the number of checked-in baggage, we will pay a lump sum allowance as stated in the Table of Benefits to the insured person, and subject to the same delayed checked-in baggage can only be claimed once by one (1) insured person. In the event of the insured person s checked-in baggage being delayed for over ten (10) hours after the insured person's arrival in Hong Kong, we will compensate the insured person for the actual expense up to the maximum benefits as stated in the Table of Benefits for emergency purchase of essential items or requisites during the deprivation of his/her baggage. This benefit can only be utilized once during any one (1) insured journey. Special Condition for Section 7 All claims must be substantiated by written confirmation from the public common carrier on the number of hours and the reason of such delay. Exclusions applicable to Section 7 1. any baggage not being on the same public common carrier of the insured person or souvenirs and articles mailed or shipped separately; 2. any loss for which the insured person fails to submit receipts for the purchase of emergency items or requisites (applicable to return trip only); 3. any loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism, or action taken by government authorities in hindering, combating or defending against such an occurrence; detention or destruction under quarantine or customs regulations, confiscation by order of any government of public authority or risk of contraband or illegal transportation or trade; 4. any loss claimed under Section 5 Personal Baggage Cover arising from the same cause. Section 8 Travel Delay Cover (Applicable to Worldwide Tour Plan only) In the event that the public common carrier in which the insured person has arranged to travel is delayed from the departure time or arrival time specified in the insured person s original itinerary as a result of strike or other industrial action, riot, civil commotion, hijack, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the public common carrier or airport closure, we will pay the following benefits to the insured person: (a) Travel Delay HKD300 for each and every full six (6) hours of delay up to the maximum benefits as stated in the Table of Benefits. The period of delay will be calculated as follows: departure delay will be calculated starting from the original scheduled departure time of the public common carrier specified in the itinerary provided to the insured person, until the actual departure time (i) of the original public common carrier or (ii) the first available alternative transportation offered by that public common carrier; or arrival delay will be calculated starting from the original arrival time specified in the itinerary provided to the insured person, until the actual arrival time of (i) the original public common carrier or (ii) the first available alternative transportation offered by that public common carrier. The insured person can only claim for either departure or arrival delay of the same public common carrier. If the insured person has consecutive connecting flights, the delay will be calculated based on the difference between actual departure or arrival time, as the case may be, and that stated on the itinerary regardless of the time spent on transit and the proximate cause of the delay must be one (1) of the causes set out in the first paragraph of this Section 8. (b) Re-routing Cost The additional costs incurred by the insured person for the purchase of the one-way economy class travel ticket in order to travel to the planned destination as specified in his/her original itinerary by an alternative public common carrier after at least ten (10) hours of delay. This benefit can only be utilized once during any one (1) insured journey. (c) Extra Hotel Cost The extra, reasonable and irrecoverable accommodation expenses incurred outside Hong Kong as a result of the delay over six (6) hours, up to the maximum benefits as stated in the Table of Benefits. (d) Loss of Vacation Allowance We will pay HKD500 per day up to the maximum benefits as stated in the Table of Benefits as a result of delay over twenty four (24) hours and the insured person continues to commence his/her insured journey abroad. Calculation of the delay is based on Section 8(a) Travel Delay above. (e) Cancellation due to Travel Delay We will reimburse the insured person for the travelling expenses and/or accommodation expenses paid in advance which he/she is legally liable and are not recoverable from any other source if he/she decides to cancel the insured journey as a result of delay over ten (10) hours from the originally scheduled departure time. Special Conditions for Section 8 1. The insured person must have already checked-in the public common carrier for its original schedule of departure. 2. All claims must be substantiated by written confirmation from the public common carrier on the number of hours and the reason for such delay. 3. Should a loss arise for which a claim for Section 8(e) is payable, no further claims shall be payable under Section 8(a) to Section 8(d) arising from the same cause. Exclusions applicable to Section 8 1. delay of the insured journey as a result of any circumstance which is existing or announced before the effective date; 2. any loss arising from late arrival of the insured person at the airport or port (i.e. arrival at a time later than the time required for check-in or booking-in except for the late arrival due to strike by the employees of the public common carrier); 3. any loss in relation to cancellations or alternations to original itinerary that is not verified by the airline, travel agency or other relevant organizations; 4. any loss arising from airport closure due to air traffic control by local government or relevant authorities; or any loss arising from any government s regulations control or act; 5. any circumstances covered by any other insurance scheme, government programme or which will be paid or refunded by travel agency, tour operator or other provider of any service forming part of the booked itinerary (not applicable to Section 8(a) - Travel Delay and Section 8(d) Loss of Vacation Allowance); 6. any loss arising from the failure of insured person to get on board the first available alternative transportation offered by the administration of the relevant public common carrier; 7. any claims on other sections under this certificate of insurance when a claim for Section 8(e) is payable arising from the same cause (except for point 1(a) under Extensions to Section 3); 8. any loss claimed under Section11(a) Involuntary Journey Extension Allowance arising from the same cause (applicable to Section 8(a) Travel Delay only). Section 9 Travel Inconvenience Cover (a) Cancellation of Trip In the event that the insured person has to cancel the insured journey as a result of any the following: i. death, serious physical injury or serious illness of the insured person, immediate family member or travel companion or close business partner within ninety (90) days before the commencement date of the insured journey; ii. witness summons, jury service or compulsory quarantine of the insured person within ninety (90) days before the commencement date of the insured journey; iii. unexpected outbreak of strike, riot, civil commotion, adverse weather condition, natural disaster or infectious disease at the planned destination arising within one (1) week before the departure date of the insured journey; iv. serious damage to the insured person s principal home in Hong Kong arising from fire, flood or burglary within one (1) week before the commencement date of the insured journey which requires the insured person s presence in Hong Kong on the departure date of the insured journey for the purpose of police investigation; we will pay for the loss of unused travel fare and/or accommodation expenses which have been paid in advance and for which the insured person is legally liable and which are not recoverable from any other source, up to the maximum benefits as stated in the Table of Benefits. (b) Single Occupancy (Applicable to Worldwide Tour Plan only) In the event of death, serious physical injury or serious illness of the travel companion which occurs within one (1) week before the commencement date of the insured journey and the insured person decides to travel as planned, we will reimburse the insured person, up to the maximum benefits as stated in the Table of Benefits, for the additional cost incurred as a result of a change in the per person occupancy rate applicable to the prepaid travel ticket and/or accommodation, or tour package. Special Condition for Section 9(a) and 9 (b) The insured person can only make a claim under either Section 9(a) or 9(b) in respect of any losses arising from the same cause. (c) Curtailment of Trip In the event that the insured person has to: i. abandon the insured journey and return to Hong Kong after the insured journey has begun due to: death, serious physical injury or serious illness of the insured person, immediate family member, travel companion or close business partner who is a resident in Hong Kong; unexpected outbreak of strike, riot, civil commotion, natural disaster or infectious disease at the planned destination abroad which prevent the insured person from continuing with his/her scheduled journey; ii OR the insured person is suspected or confirmed to have contracted infectious disease during the insured journey and which results in compulsory quarantine and the insured person being detained at the planned destination; we will pay for the loss of unused travel fare and/or accommodation expenses for which the insured person is legally liable and which is not recoverable from any other sources, and/or additional actual travel fare and accommodation expenses reasonably and necessarily incurred. In the event that the insured journey is a packaged group tour arranged by travel agent, the benefit payable for the curtailment expenses in relation to the loss of unused travel fare and/or accommodation expenses forfeited will be calculated in proportion of the packaged group tour cost to the number of days remaining after the relevant interruption of the insured journey. Exclusions applicable to Section 9 1. any circumstances leading to the cancellation or curtailment of the insured journey which is existing or announced before the effective date; 2. if the purpose of the insured journey is to obtain medical treatment or the insured journey is undertaken against the medical practitioner s recommendation; 3. any government s regulations control or act, bankruptcy, liquidation, error, omission or default of any travel agency, tour operator, cruise ship company, public common carrier and/or other provider of any service forming part of the booked itinerary; 4. failure to notify the travel agency, tour operator, public common carrier, cruise ship company and/or other provider of any service forming part of the booked itinerary of the need to cancel or curtail the travel arrangement immediately when it is found necessary to do so; 5. any loss in relation to cancellations or curtailments to original itinerary that is not verified by the airline, travel agency, cruise company, or other relevant organizations; 6. any loss which will be paid or refunded by any existing insurance scheme, government programme, public common carrier, travel agent or any other provider of transportation and/or accommodation; 7. any loss if the insured person refuses to follow the recommendation of a medical