Temporary Total Disablement (TTD) The entire prevention of the insured person from attending to his/her daily business or usual occupation and confini

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1 PAMultiple Personal Accident Insurance Plan Please read this policy carefully upon receipt and promptly request for any necessary amendments. Loss of Limb Loss by physical separation at or above the wrist or ankle joint. This policy together with the enclosed schedule and any relevant documents subsequently issued should be read as if they are one document and form the contract between you and us, and no variations shall be admitted except those acknowledged in writing by us. The Zurich PAMultiple Personal Accident Insurance Plan enrolment form and declaration which you completed and provided to us, either verbal (if recorded by us or by our appointed authorized agent) or written are the basis of this contract. We agree, in consideration of your payment of the premium and in reliance upon the statements, warranties or declarations you have made and subject to the terms and conditions of this policy and the attached schedule, we will insure the insured person(s) under those sections shown in the schedule during any period of insurance to pay the benefits defined to the insured person who sustain(ed) injury or incurs charges within the scope of coverage provided hereinafter upon recommendation of a medical practitioner. This policy is an annual personal accident policy which will be renewed subject to subsequent premium payments and our acceptance. You are required to settle the annual premium for the concurrent policy year. Should you wish to change any information given on your enrollment form (regardless verbally or in written format), please inform us of the changes immediately as the changes may affect the insured person s insurance cover. This policy is a legal document and should be kept in a safe place. Part 1 Definitions Certain words in this policy have specific meanings. These meanings are given below. To help you identify these words in this policy, we have printed them in italics throughout this policy. Words embodying the masculine gender shall include the feminine gender, and words indicating the singular case shall include the plural and vice-versa. Accident / Accidental A sudden and unforeseen event that happens unexpectedly during the period of insurance and causes injury to the insured person. Civil War An internecine war carried on between or among opposing citizens of the same country or nation. Confinement(s) / Confined The insured person is admitted to a hospital as a result of injury with medical necessity upon the recommendation of a medical practitioner and continuously stays in the hospital prior to his/her discharge from the hospital. Hospital confinement will be evidenced by a daily room and board charge by the hospital. Fracture The complete breakage of a bone. Fractured Leg or Patella with Established Non-union The complete breakage into two pieces of the patella or leg bone. The fractured leg or patella does not mend properly and function normally and remains separated. These conditions will last for the remainder of the insured person s life. Head The part from vertex to mandible of a person. Hong Kong The Hong Kong Special Administrative Region of the People s Republic of China. Hospital an establishment which meets all the following requirements: holds a licence as a hospital (if licensing is required in the state or governmental jurisdiction); and operates primarily for the admission, care and treatment of sick, ailing or injured persons as in-patients; and provides 24-hour a day nursing service by registered or graduated nurses; and has a staff of one or more licensed medical practitioner available at all times; and provides organized facilities for diagnosis and major surgical facilities; and is not primarily a clinic, nursing, rest or convalescent home or similar establishment or a place for alcoholics or drug addicts. Immediate Family Member Definition applicable for insured person attained age 18 or above upon policy anniversary: Insured person s spouse, parent, parent-in-law, grandparent, son or daughter, brother or sister, grandchild or legal guardian. Definition applicable for insured person below age 18 upon policy anniversary: Your or the insured person s spouse, parent, parent-in-law, grandparent, son or daughter, brother or sister, grandchild, or legal guardian. Injury / Injuries Bodily injury, food and drink poisoning and/or gas poisoning to the insured person caused by an accident solely and independently of any other cause. Insured Person Definition applicable for insured person attained age 18 or above upon policy anniversary: The name listed under the Insured Name in the schedule who is the insured person and the policyholder of this policy. Definition applicable for insured person below age 18 upon policy anniversary: The name listed under the Insured Name in the schedule who is the insured person of this policy. Loss of Hearing Permanent irrecoverable loss of hearing where if: a db = Hearing loss at 500 Hertz b db = Hearing loss at 1,000 Hertz c db = Hearing loss at 2,000 Hertz d db = Hearing loss at 4,000 Hertz 1/6 (a+2b+2c+d) is above 80dB 1 Loss of Sight of Eyes The entire and permanent irrecoverable loss of sight. Loss of Speech The disability in articulating any three (3) of the four (4) sounds which contribute to the speech such as the Labial sounds, the Alveololabial sounds, the Palatal sounds and the Velar sounds or total loss of vocal cord or damage of speech centre in the brain resulting in Aphasia. Loss of Use Permanent total functional disablement or complete and permanent physical separation at the limb or organ. Medical Necessity The necessity to have a medical service which is consistent with the diagnosis and is the customary medical treatment for the condition; and in accordance with standards of good and prudent medical practice; and not furnished primarily for the convenience of medical practitioner or any other medical service providers; and furnished at the most appropriate level sufficient to safely and adequately treat the insured person s disability and are performed in the least costly setting required for treatment of a covered disability; and not rendered primarily for diagnostic tests, diagnostic scanning purpose, imaging examination, laboratory test or physiotherapy in the event of a confinement. Medical Practitioner A person other than you, the insured person or immediate family member, who is a registered medical practitioner under Medical Registration Ordinance, Chapter 161, Laws of Hong Kong. In the event of treatment or surgical operation received outside Hong Kong, it shall mean a person other than you, the insured person, or immediate family member, who is qualified by degree in western medicine, legally authorized in the geographical area of his/her practice to render medical and surgical services. Occupation Class Occupations are grouped into different classes according to the risks associated with a particular occupation as specified in our Occupation Manual, which shall be final and conclusive. The general principle is, the higher the risk associated with a particular occupation, the higher the numbering of the class and higher premium rating chargeable. Period of Insurance The period of time as stated in the schedule during which this policy is effective and we have accepted your premium. Permanent Lasting not less than twelve (12) consecutive months from the date of an accident and at the expiry of that period being beyond hope of improvement. Physiotherapy Expenses The expenses incurred for the exercises treatment for the weakness in the joints or muscles due to injury which is done by the registered physiotherapist (other than you, the insured person or immediate family member) but excluding chiropractic expenses. Policy Effective Date The effective date of the policy as stated in the schedule, or the renewal date as stated in the latest renewal notice, whichever is the later, provided the premium has been paid. Policy Inception Date It shall mean: the first effective date of this policy as stated in the schedule upon application of this policy, and for the avoidance of doubt does not include any date of renewal; or policy reinstatement date, whichever is the later. Pre-existing Condition Any injury, sickness or condition and/or directly related conditions for which the insured person showed symptoms or has received medical consultation, diagnosis, treatment or advice by a medical practitioner or took prescribed drugs or medicine for a period of time during which you or the insured person was aware of or could reasonably be expected to be aware of prior to the policy inception date or the date of reinstatement or upgrade effective date, whichever is later, except for such conditions that have been fully disclosed and accepted by us in writing, whereby the policy document does not expressly exclude treatment relating to such pre-existing condition. Public Common Carrier Any mechanically propelled conveyance operated by a company or an individual licensed to carry passengers for hire. Qualified Nurse A qualified nurse other than you, the insured person or immediate family member, legally authorized to render nursing services by the government of the geographical area of his/her practice. Recovery Equipment Any medical equipment approved and recommended by a medical practitioner to be necessary for the medical recovery treatment of the insured person. Relevant Documents Relevant documents include schedule, enrollment form, declaration, riders, endorsements, attachments and amendments (in verbal or in written format). Schedule The schedule attached to and incorporated in this policy. School Any educational institution, including but not limited to kindergarten, primary or secondary school, college or university for educating the insured person. Second Degree Burns Both the epidermis and the underlying dermis are damaged.

2 Temporary Total Disablement (TTD) The entire prevention of the insured person from attending to his/her daily business or usual occupation and confining at a hospital or home. Terrorism An act of terrorism includes any act, preparation or threat of action including the intention 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, of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organization(s) or government(s) de jure or de facto committed for political, religious, ideological, or similar purposes, and which involves violence against one (1) or more persons; involves damage to property; endangers life other than that of the person committing the action; creates a risk to the health or safety of the public or a section of the public; or is designed to interfere with or disrupt an electronic system. Third Degree Burns The damage or destruction of the skin to its full depth and damage to the tissues beneath. Total Disablement When as the result of an injury and commencing within twelve (12) consecutive months from the date of an accident the insured person is totally disabled and prevented from engaging in each and every occupation or employment for compensation or profit for which the insured person is reasonably qualified by reason of his/her education, training or experience, or if the insured person has no business or occupation, total disablement means the inability of the insured person to perform any activities which would normally be carried out in the insured person s daily life. Upgrade or upgrading An increase in the level of benefit and/or plan level. Upgrade Effective Date 00:00 Hong Kong Time on the date we agree to provide an upgrade of your policy and such date is shown on your policy schedule or endorsement recording that upgrade. War A contest by force between two (2) or more nations, carried on for any purpose; or an armed conflict of sovereign powers, in either case whether such contest or armed conflict is declared or undeclared and open hostilities; or the state of nations among whom there is i) an interruption of pacific relations and ii) a general contention by force, both authorized by the respective sovereigns of such nations. We, Us or Our Zurich Insurance Company Ltd. Weekly Income Benefit Waiting Period The period of three (3) days which commences immediately upon the first day of sick leave or hospital confinement as stated in the medical proof issued by a hospital or medical practitioner in respect of an injury causing a TTD and during this period no benefit shall be payable. You or Your or Yourself The person shown in the schedule as The Insured who is the applicant and/or the policyholder of this policy. Part 2 Table of Benefits Junior Cover Coverage Sum Insured Per Insured Person (HKD) Per Policy Year unless otherwise specified Plan A Plan B Section 1 - Personal Accident - Accidental Death and 150, ,000 Permanent Disablement (AD&PD) - Extra Indemnity for Accidents 100, ,000 During School Activities Free Extensions - Burns 75, ,000 - Burial/ Cremation Costs 30,000 30,000 - Home Nursing Fee 200 per day 200 per day (Maximum 31 days per accident) (Maximum 31 days per accident) - Broken Bones 10,000 10,000 - Home Renvoation Expenses 25,000 25,000 Section 2 - Accidental Medical 10,000 per accident 20,000 per accident Expenses Inclusive of Chinese Medicine Bone-setting 2,000 2,000 Expenses, Chinese Medicine Acupuncture per policy year per policy year Expenses, Chiropractic Expenses and Physiotherapy Expenses - Sub-limit for Chinese Medicine Bone-setting, Chinese Medicine Acupuncture Expenses per visit per day per visit per day and/or Chiropractic Expenses (Maximum 5 visits (Maximum 5 visits per accident) per accident) - Sub-limit for Physiotherapy Expenses per visit per day per visit per day (Maximum 4 visits (Maximum 4 visits per accident) per accident) Free Extensions - Extra Indemnity for Overseas Accidental 10,000 per accident 20,000 per accident Medical Expenses - Recovery Equipment 10,000 10,000 - Parent Annual Leave Compensation 200 per day 200 per day (Maximum 10 days per accident) (Maximum 10 days per accident) - Trauma Counseling Benefit 5,000 (1,000 per visit) 5,000 (1,000 per visit) - Clothing and Personal Effects Damage 3,000 3,000 Compensation Section 3 - Accidental Daily Hospital Cash - Hospital Cash Benefit 100 per day 200 per day (Maximum 31 days per accident) (Maximum 31 days per accident) - Hospital Cash for Pet Attack or 200 per day 300 per day Child Abuse (Maximum 31 days per accident) (Maximum 31 days per accident) 2 Section 4 - Zurich Emergency Assistance - Emergency Evacuation or Actual Cost Repatriation Service - Repatriation of Mortal Remains Actual Cost - Hospital Admission Guarantee 39,000 - Compassionate Visit One round-trip economy class airfare - 24-hour Telephone Hotline Information Included and Referral Services Adult Cover Coverage Sum Insured Per Insured Person (HKD) Per Policy Year unless otherwise specified Plan A Plan B Section 1 - Personal Accident - Accidental Death and 500,000 1,000,000 Permanent Disablement (AD&PD) - Double Indemnity for Accidents on 1,000,000 2,000,000 Public Common Carrier, or as a Victim of Robbery, or as a result of Natural Disaster or happen during Saturday, Sunday or General Holidays in Hong Kong Free Extensions - Burns 250, ,000 - Burial/Cremation Costs 30,000 30,000 - Home Nursing Fee 200 per day 200 per day (Maximum 31 days per accident) (Maximum 31 days per accident) - Broken Bones 50,000 50,000 - Home Renvoation Expenses 25,000 25,000 Section 2 - Accidental Medical Expenses 15,000 per accident 30,000 per accident Inclusive of Chinese Medicine Bone-setting 2,000 per policy year 2,000 per policy year Expenses, Chinese Medicine Acupuncture Expenses, Chiropractic Expenses and Physiotherapy Expenses - Sub-limit for Chinese Medicine 150 per visit per day 150 per visit per day Bone-setting Expenses, Chinese Medicine (Maximum 5 visits (Maximum 5 visits Acupuncture Expenses, and/or per accident) per accident) Chiropractic Expenses - Sub-limit for Physiotherapy Expenses 500 per visit per day 500 per visit per day (Maximum 4 visits (Maximum 4 visits per accident) per accident) Free Extensions - Recovery Equipment 15,000 15,000 - Spouse Annual Leave Compensation 200 per day 200 per day (Maximum 10 days per accident) (Maximum 10 days per accident) - Trauma Counseling Benefit 5,000 (1,000 per visit) 5,000 (1,000 per visit) - Clothing and Personal Effects Damage 3,000 3,000 Compensation Section 3 - Accidental Daily Hospital Cash - Hospital Cash Benefit 200 per day (Maximum 31 days per accident) Section 4 - Zurich Emergency Assistance - Emergency Evacuation or Repatriation Actual Cost Service - Repatriation of Mortal Remains Actual Cost - Hospital Admission Guarantee 39,000 - Compassionate Visit One round-trip economy class airfare - 24-hour Telephone Hotline Information Included and Referral Services Section 5 - Weekly Income Benefit 1,000 per week 2,000 per week (Optional Benefit for insured persons for the maximum benefit for the maximum benefit under Occupation Classes 1 and 2 only) amount up to 104 weeks as amount up to 104 weeks as stated in the schedule stated in the schedule under this Section under this Section Elderly Cover Coverage Sum Insured Per Insured Person (HKD) Per Policy Year unless otherwise specified Plan A Plan B Section 1 - Personal Accident - Accidental Death and 250, ,000 Permanent Disablement (AD&PD) Free Extensions - Burns 150, ,000 - Burial/Cremation Costs 30,000 30,000 - Home Nursing Fee 200 per day 200 per day (Maximum 182 days per accident before age 81 at the time of policy effective date; or 31 days per accident thereafter) - Broken Bones 100, , ,000 before age 81 at the time of policy effective date; or 50,000 thereafter - Home Renovation Expenses 25,000 25,000 Section 2 - Accidental Medical Expenses 5,000 per accident 10,000 per accident (Maximum 20,000 per policy (Maximum 40,000 per policy year before age 81 at the time year before age 81 at the time of policy effective date; or of policy effective date; or 10,000 per policy year thereafter) 20,000 per policy year thereafter) Inclusive of Chinese Medicine Bone-setting 2,000 per policy year before 2,000 per policy year before Expenses, Chinese Medicine Acupuncture age 81 at the time of policy age 81 at the time of policy Expenses, Chiropractic Expenses and effective date, or 1,000 per effective date, or 1,000 per Physiotherapy Expenses policy year thereafter policy year thereafter - Sub-limit for Chinese Medicine 150 per visit per day 150 per visit per day Bone-setting Expenses, Chinese Medicine (Maximum 5 visits (Maximum 5 visits Acupuncture Expenses, and/or per accident) per accident) Chiropractic Expenses

3 - Sub-limit for Physiotherapy Expenses 500 per visit per day 500 per visit per day (Maximum 4 visits (Maximum 4 visits per accident) per accident) Free Extensions - Extra Indemnity for Overseas Accidental 5,000 per accident 10,000 per accident Medical Expenses (Maximum 10,000 (Maximum 20,000 per policy year) per policy year) - Recovery Equipment 20,000 20,000 - Trauma Counseling Benefit 5,000 (1,000 per visit) 5,000 (1,000 per visit) - Clothing and Personal Effects 3,000 3,000 Damage Compensation Section 3 - Accidental Daily Hospital Cash - Public Hospital Cash Benefit 200 per day 200 per day (Maximum 31 days (Maximum 31 days per accident) per accident) Section 4 - Zurich Emergency Assistance - Emergency Evacuation or Repatriation Actual Cost Service - Repatriation of Mortal Remains Actual Cost - Hospital Admission Guarantee 39,000 - Compassionate Visit One round-trip economy class airfare - 24-hour Telephone Hotline Information Included and Referral Services Section 1 Personal Accident 1.1 Accidental Death and Permanent Disablement If during the period of insurance, an insured person sustains injury as a result of an accident and shall within twelve (12) consecutive months result in death or disablement as defined under one of the Events in the Compensation Table, we shall pay to the insured person the Sum Insured as stated in the schedule and in accordance with the Percentage of Sum Insured for the relevant Event as listed in the Compensation Table below. 1.2 Extra Indemnity for Accidents During School Activities (Applicable to Junior Cover only) In the event that the above injury sustained by the insured person is within school area, or in the course of any activities officially organized by school, including but not limited to sport activities, field trip, laboratorial activities, we will additionally indemnify the insured person the Sum Insured as stated in the schedule and in accordance with the Percentage of Sum Insured for the relevant Event as listed in the Compensation Table below. Coverage shall commence when the insured person leaves his/her place of residence directly to the appointed meeting place via public common carrier or riding on the private vehicle which is driven by his/her parents, or two (2) hours before the appointed meeting time for the purpose of participating in the activities officially organized by school, whichever is later; and cease when the insured person arrives at his/her place of residence via public common carrier or riding on the private vehicle which is driven by his/her parents two (2) hours upon the completion of the activities organized by school or disperses from the group, whichever is earlier. 1.3 Extra Indemnity for Accidents on Public Common Carrier, or as a Victim of Robbery or as a result of Natural Disaster or happen during Saturday, Sunday or General Holidays in Hong Kong (Applicable to Adult Cover only) In the event that the above injury was sustained under the following circumstances, we will additionally indemnify the insured person the Sum Insured as stated in the schedule and in accordance with the Percentage of Sum Insured for the relevant Event as listed in the Compensation Table below: while the insured person is riding solely as a passenger (not as operator or crew member) in or on, boarding or alighting from any public common carrier; or as a victim in a robbery or attempted robbery; or is injured as a result of natural disaster; or the accident happens during Saturday, Sunday or General Holidays in Hong Kong. 1.4 Compensation Compensation Table Events Percentage of Sum Insured 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 Hearing 100% 9. Permanent and Incurable Insanity 100% 10. Permanent Total Loss of Hearing in (a) both Ears 75% (b) one Ear 15% 11. Loss of Speech 50% 12. Permanent Total Loss of the 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 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% 16. Loss of or the Permanent Total Loss of Use of Fingers (a) three Right Joints 15% (b) two Right Joints 10% (c) one Right Joint 7.5% (d) three Left Joints 10% 3 (e) two Left Joints 7.5% (f) one Left Joint 5% 17. Loss of or the Permanent Total Loss of Use of Toes (a) all - one Foot 20% (b) great - both Joints 7.5% (c) great - Joint 5% 18. Fractured Leg or Patella with Established Non-union 15% 19. Shortening of Leg by at least 5cm 10% 20. Permanent disability not otherwise provided for under Events 10 to 19 inclusive, such percentage of the sum insured as we shall in our absolute discretion determine and being in our opinion not inconsistent with the compensation provided under Events 10 to 19 inclusive Compensation Conditions (a) Benefit shall not be payable for more than one (1) of the Events 1 to 20 in respect of the same accident. Should more than one (1) of the Events sustain from the same accident, only the Event with the highest compensation will be payable under this Section. (b) For any Event of which the compensation we have paid is less than 100% of the Percentage of Sum Insured, the Sum Insured as stated in the schedule shall be reduced by such amount of compensation paid from the date of the accident until the expiry of this policy. Any claims made thereafter shall be calculated with the original Sum Insured multiplied by the Percentage of the Sum Insured of the relevant Event, but in no event shall the aggregate compensation payable exceed 100% of the Sum Insured as stated in the schedule. (c) For any partial disablement in relation to Events 2 19 inclusive or any other partial disablement not otherwise provided for under Events 2 19 inclusive which existed prior to an injury covered under the policy and which becomes totally disabled as a result of such injury, the Percentage of Sum Insured payable shall be determined by us having regard to the extent of disablement caused by the covered injury. However, no payment shall be made in respect of any disablement which was totally disabled prior to the injury covered under the policy. (d) In the event that 100% of the Sum Insured is paid under this Section in respect of any one insured person, this policy shall then immediately cease to be in force with regard to such insured person. No premium for the unexpired period will be refunded. (e) If the insured person is left-handed and has specifically mentioned such fact to us, the percentages set out for Events 13 to 16 for the various disabilities of right hand and left hand will be transposed. 1.5 Free Extensions to Section Burns In the event that the insured person suffers from second or third degree burns on the Area listed hereunder as a result of an accident and such condition is certified by a registered medical practitioner, we will pay up to the Sum Insured as stated in the schedule in accordance with the relevant Area listed in the following Compensation Table. (a) Compensation Table Second or Third Degree Burns Area Damage as a Percentage of Total Surface Area Percentage of Sum Insured Head a. Equal to or greater than 12% damage of total 100% head surface area b. Equal to or greater than 8% but less than 12% 75% damage of total head surface area c. Equal to or greater than 5% but less than 8% 50% damage of total head surface area d. Equal to or greater than 2% but less than 5% 25% damage of total head surface area Body a. Equal to or greater than 20% damage of total 100% (Exclude Head) body surface area b. Equal to or greater than 15% but less than 75% 20% damage of total body surface area c. Equal to or greater than 10% but less than 50% 15% damage of total body surface area (b) (i) (ii) (iii) (iv) Compensation Conditions Benefit shall not be payable for more than one (1) of the above Areas in respect of the same accident. Should the injury occur to more than one (1) of the above Areas from the same accident, only the Area with the highest compensation will be payable under this Section. For any second degree burns or third degree burns resulting a damage on an Area listed in the Compensation Table above and existed prior to an injury covered under this policy, and which the same Area is damaged again due to second degree burns or third degree burns caused by such injury, the Percentage of Sum Insured payable shall be determined by us having regard to the extent of damage on the Area caused by the covered injury. In no event shall we pay for any damage on the Area sustained prior to the injury. For any Area of which the compensation we have paid is less than 100% of the Percentage of Sum Insured, the Sum Insured as stated in the schedule shall be reduced by such amount of compensation paid from the date of the accident until the expiry of this policy. Any claims made thereafter shall be calculated as the original Sum Insured multiplied by the Percentage of the Sum Insured of the relevant Area, but in no event shall the aggregate compensation payable exceed 100% of the Sum Insured as stated in the schedule. In the event that 100% of the Sum Insured is paid under this Section in respect of any one insured person, this Extension under Section 1 shall then immediately cease to be in force with regard to such insured person Burial/Cremation Costs If the insured person dies during the period of insurance as a result of an accident, we will pay the actual expenses necessarily and reasonably incurred for burial or cremation of the insured person in Hong Kong. We will pay up to the Sum Insured as stated in the Table of Benefits for the plan selected under this Section Home Nursing Fee If the insured person suffers from permanent total disablement and needs to hire a qualified nurse to take care of the insured person, we will pay a daily allowance as stated in the Table of Benefits for the plan selected under this Section to the insured person for the services fee charged by a qualified nurse at the insured person s usual residence (not being in a nursing or convalescent home) immediately after his/her discharge from the hospital. Such service must be required and recommended in writing by the attending medical practitioner. The maximum benefit period for Junior and Adult Cover shall not exceed thirty-one (31) days, and for Elderly Cover shall not exceed one hundred and eighty-two (182) days (before the insured person attain age eighty-one (81) at the time of policy effective date), and thereafter, not exceed thirty-one (31) days.

4 1.5.4 Broken Bones In the event that the insured person sustains injury and result in any Fracture of Bones on the Event listed in the Compensation Table below, and such condition must be certified by a medical practitioner, we will pay up to the Sum Insured as stated in the schedule in accordance with the relevant Event listed in the following Compensation Table. (a) Compensation Table Fracture of Bones Percentage of Event Sum Insured 1. Pelvis 100% 2. Heel 50% 3. Skull, Collarbone, Upper Limb, Elbow, Wrist 40% 4. Lower Jaw 30% 5. Vertebrae, Shoulder Blade, Sternum, Hand, Foot 20% 6. Upper Jaw, Cheek Bone, Nose, Ribs, Coccyx, Toes, Fingers 15% (b) Compensation Conditions (i) Benefit shall not be payable for more than one (1) of the above Events in respect of the same accident. Should there be more than one (1) of the Fracture of Bones Events resulting from the same accident, only the Event with the highest compensation will be payable under this Section. (ii) For any Event of which the compensation we have paid is less than 100% of the Percentage of Sum Insured, the Sum Insured as stated in the schedule shall be reduced by such amount of compensation paid from the date of the accident until the expiry of this policy. Any claims made thereafter shall be calculated as the original Sum Insured multiplied by the Percentage of the Sum Insured of the relevant Event, but in no event shall the aggregate compensation payable exceed 100% of the Sum Insured as stated in the schedule. (iii) In the event that 100% of the Sum Insured is paid under this Section in respect of any one insured person, this Extension under Section 1 shall then immediately cease to be in force with regard to such insured person Home Renovation Expenses If during the period of insurance, an insured person sustains injury as a result of an accident which results in permanent total disablement during the period of insurance, we shall reimburse the necessary expenses incurred in renovating his/her principal home and/or expenses incurred in purchasing medical equipment as fixtures at the principal home for the purpose of coping with the permanent total disablement up to the Sum Insured as stated in the Table of Benefits per policy period for each insured person. Principal home shall mean the house or building located in Hong Kong and occupied as a private dwelling by the insured person as his/her permanent place of residence, or the regular and habitual place of residence in Hong Kong which he/she has occupied for at least six (6) months prior to the above injury, in the event that the insured person has more than one place of residence. 1.6 Special Provisions for Section Disappearance due to Disappearance, Sinking or Wrecking of the Public Common Carrier If the body of the insured person has not been found within one (1) year after the date of the disappearance due to disappearance, sinking or wrecking of the aircraft or other public common carrier either on the ground or at sea in which the insured person was travelling at the time of an accident and under such circumstances as would otherwise be covered hereunder, it will for the purpose of this policy be presumed that the insured person suffered death resulting from injury caused by an accident covered by this policy at the time of such disappearance, sinking or wrecking Maximum Liability on Accidental Death and Permanent Disablement (Applicable to Adult Cover only) Where any individual life is insured under multiple policies which contain Accidental Death and Permanent Disablement covers and are issued by us and/or our related companies, the maximum liability in respect of any one individual life under all Accidental Death and Permanent Disablement covers shall not exceed HKD10,000,000 in aggregate and each policy shall bear a proportionate share of the total loss. Section 2 Accidental Medical Expenses In the event that the insured person sustains injury as a result of an accident during the period of insurance, we shall reimburse the insured person all actual medical expenses which have already been paid to a duly registered medical practitioner, qualified nurse and/or hospital. Such medical expenses include surgical expenses, X-ray expenses, hospital charges, nursing treatment expenses and/or ambulance hire expenses; but excluding the cost of dental treatment unless such cost is necessarily incurred due to the necessary dental treatment for the sound and natural teeth of the insured person and is caused by an accident (excluding denture and related expenses). In the event that the insured person is entitled to a refund of all or part of such expenses from any other source, we will only be liable for the shortfall of the reimbursement amount which is not recoverable from any other source. Inclusive of Chinese Medicine Bone-setting Expenses, Chinese Medicine Acupuncture Expenses, Chiropractic Expenses and Physiotherapy Expenses We shall also reimburse the insured person the actual medical expenses as a result of an injury resulting from an accident which requires treatment from Chinese medicine bonesetter, Chinese medicine acupuncturist, chiropractor and/or physiotherapist up to a maximum of HKD2,000 per policy year and subject to the following sub-limits: 1. for Chinese medicine bone-setting expenses, Chinese medicine acupuncture expenses and/or chiropractic expenses - HKD150 per visit per day and five (5) visits per accident; 2. for physiotherapy expenses - HKD500 per visit per day and four (4) visits per accident. The maximum benefit under this section for Elderly Cover shall be limited to HKD1,000 per policy year after the insured person attains age eighty-one (81) at the time of policy effective date. Any Chinese medicine expenses other than bone-setting and acupuncture are excluded under this policy. In no event shall the total amount payable under this Section 2 Accidental Medical Expenses exceed 100% of the Sum Insured stated in the schedule. Free Extensions to Section 2 1. Extra Indemnity for Overseas Accidental Medical Expenses (Applicable to Junior Cover and Elderly Cover Only) In the event that the insured person sustains injury while travelling outside Hong Kong for a period not exceeding thirty (30) days, the Accidental Medical Expenses under Section 2 of this policy shall be increased by the Sum Insured as stated in the Table of Benefits for the plan selected under this Section. 2. Recovery Equipment In the event that we agree to pay the benefit of Accidental Medical Expenses under Section 2 of this policy to the insured person, we will also pay for the actual costs of the recovery equipment which is required and is recommended in writing by the attending medical practitioner or registered physiotherapist (other than you, the insured person or immediate 4 family member). The maximum amount we will pay is HKD2,000 for any one article, pair or set and up to the Sum Insured as stated in the schedule. 3. Parent Annual Leave Compensation (Applicable to Junior Cover only) In the event that the insured person is confined in a hospital as a result of an accident, we will pay HKD200 per day and up to a maximum benefit period of ten (10) days to the insured person so as to compensate either one (1) of the insured person s parents who has taken the annual leave from work to take care of the insured person. This benefit will be payable provided that we have agreed to pay the benefit of Accidental Medical Expenses under Section 2 of this policy for the same accident resulting in such confinement. 4. Spouse Annual Leave Compensation (Applicable to Adult Cover only) In the event that the insured person is confined in a hospital as a result of an accident, we will pay HKD200 per day and up to a maximum benefit period of ten (10) days to the insured person so as to compensate the insured person s spouse who has taken the annual leave from work to take care of the insured person. This benefit will be payable provided that we have agreed to pay the benefit of Accidental Medical Expenses under Section 2 of this policy for the same accident resulting in such confinement. 4.1 Exclusions to Parent Annual Leave Compensation/Spouse Annual Leave Compensation This Benefit does not cover: If the insured person s parent or spouse who applies for the claim is a housewife, retired, unemployed, self-employed, or is not under a contract of employment at the time when the accident occurs The first two (2) days of leave under each and every claim. 5. Trauma Counseling Benefit If during the period of insurance, an insured person is the victim of a traumatic event including, but not limited to, rape, armed hold-up, assault, natural disaster or acts of terrorism, we shall pay the cost of trauma counseling related to such traumatic event which is recommended by the insured person s medical practitioner, provided that such counseling benefit is approved by us with our prior written consent. The maximum limit we will pay for each insured person shall not exceed HKD1,000 per visit per day, and up to the Sum Insured as stated in the Table of Benefits in aggregate per policy period. 6. Clothing and Personal Effects Damage Compensation We will pay to the insured person who sustains bodily injury and damage to the clothing as well as personal effects from the same accident (but only to the extent that they are not recoverable from any other source) to an amount not exceeding the Sum Insured as stated in the Table of Benefits in aggregate per policy period for each insured person. We may make payment at our option to reinstate or repair the personal effect 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, the claim will be dealt with at replacement cost at market price. This benefit will be payable provided that we have agreed to pay the benefit of Section 2 - Accidental Medical Expenses for the same accident under this policy. 6.1 Exclusion to Clothing and Personal Effects Damage Compensation This Benefit does not cover: the following classes of property: business merchandise or sample, foodstuffs and/or medicine, tobacco, contact lenses, dentures and/or its appliances, dental accessories (such as but not limited to braces or retainers), animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, or any other conveyances, household furniture, antiques, any kind of jewelleries or accessories made of or contain of any kind of gold, platinum, diamond, jade or pearl, mobile phones (including PDA phones, smart phones or similar devices with telecommunications functions and other accessories). Section 3 Accidental Daily Hospital Cash 1. Hospital Cash (Applicable to Junior & Adult Cover) or Public Hospital Cash (Applicable to Elderly Cover) Benefit In the event that the insured person who is covered under Junior or Adult Cover confined in a hospital or the insured person who is covered under Elderly Cover confined in a public hospital upon the recommendation of a medical practitioner for purpose other than rest or convalescence, and such confinement is caused by an accident in Hong Kong during the period of insurance, we will pay the benefit of Accidental Daily Hospital Cash in accordance with the Sum Insured as stated in the Table of Benefits for the plan selected under this Section and up to a maximum benefit period of thirty-one (31) days for the same confinement. 2. Hospital Cash for Pet Attack or Child Abuse (Applicable to Junior Cover only) In the event that the insured person is confined in a public hospital upon the recommendation of a medical practitioner for purpose other than rest or convalescence due to the following events, we will pay the benefit of Accidental Daily Hospital Cash in accordance with the Sum Insured as stated in the Table of Benefits for the plan selected under this Section and up to a maximum benefit period of thirty-one (31) days for the same confinement: 2.1 the insured person is attacked by a pet (referred specifically to cat or dog only) and result in a visible wound injury. The claim must be substantiated by a police report or medical report; or 2.2 the insured person is abused by a person (other than the immediate family member, or insured person s relative(s), or any person under direct or indirect instigation or instruction by the immediate family member or insured person s relative(s) to do so). The claim must be substantiated by a police report together with a medical report. Under Section 3, if two (2) or more confinements are due to the same or related injury, or any complications arising therefrom, such confinements shall be regarded as one (1) confinement if each of them is not separated by more than ninety (90) days from the paid or payable confinement which immediately precedes it. Section 4 Zurich Emergency Assistance Zurich Emergency Assistance will arrange for the following benefits in the event that the insured person has suffered from injury whilst the insured person has been travelling outside Hong Kong not exceeding ninety (90) days: 1. Emergency Evacuation or Repatriation Service The actual cost of transportation, medical services and medical supplies necessarily and unavoidably incurred as a result of an emergency evacuation or repatriation of the insured person. The timing, means and final destination of evacuation will be decided by Zurich Emergency Assistance and will be based entirely upon the medical condition of the insured person. 2. Repatriation of Mortal Remains The reasonable and unavoidable expenses for transporting the insured person s mortal remains from the place of death to Hong Kong, or the cost of local burial at the place of death as approved by Zurich Emergency Assistance. 3. Deposit Guarantee for Hospital Admission Upon admission to a hospital, Zurich Emergency Assistance will provide an admission deposit up to a limit of HKD39,000 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 2 of this policy.

5 4. Compassionate Visit The cost of one (1) round-trip economy class travel ticket for one (1) immediate family member will be provided, if the insured person sustains serious injury and is confined in a hospital outside Hong Kong for over three (3) consecutive days and provided that prior approval has been granted by Zurich Emergency Assistance hour Telephone Hotline Information and Referral Services 5.1 Pre-trip Information Assistance 5.2 Embassy Referral 5.3 Medical Service Provider Referral 5.4 Lost Passport Assistance 5.5 Lost Luggage Assistance 5.6 Interpreter Referral 5.7 Legal Referral 5.8 Overseas Telephone Medical Advice 5.9 Monitoring of Medical Condition When Hospitalized In respect of service (5.9) above, hospitalization expenses or medical expenses charged to the insured person by a hospital, or medical practitioners other than the medical practitioners as appointed by our nominated service provider, or any other medical professions are to be borne by the insured person unless otherwise covered under Section 2 of this policy. ZURICH EMERGENCY ASSISTANCE is rendered by a service provider nominated by Zurich Insurance Company Ltd. Exclusions to Section 4 No service will be provided (including payment) under this Section: 1. when the insured person is located in areas which represent war risks or political conditions such as to make the provision of services under this Section impossible or reasonably impracticable; 2. for Emergency Evacuation or Repatriation Service or Repatriation of Mortal Remains or other costs not approved in advance and in writing and/or not arranged by Zurich Emergency Assistance. This exclusion shall not apply to emergency 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 (whether the accident is covered or not under this policy). Section 5 Weekly Income Benefit (Optional Benefit applicable to Adult Cover only) When the insured person sustains injury and shall within twelve (12) months result in TTD, we will pay the Weekly Income Benefit as stated in the Table of Benefits to the insured person on a weekly basis subject to the weekly income benefit waiting period. The Weekly Income Benefit is only available to the insured person under Occupation Classes 1 and 2 only and if Section 1 of Part 2 Table of Benefits is shown as being operative in the schedule. Compensation 1. After expiration of the weekly income benefit waiting period, we will pay the Weekly Income Benefit for each and every full consecutive seven (7) days of sick leave stated in the medical proof issued by a hospital or a medical practitioner and up to a maximum benefit period of one hundred and four (104) weeks. 2. In the event that the insured person is self-employed, the Weekly Income Benefit will only be payable if the insured person is confined in a hospital. 3. Current employment and/or income proof (including but not limited to employment letter, bank statement and any other evidence of income acceptable to us) is required as a supporting document upon submission of claims. If the insured person has no daily business or usual occupation or is not actively at work at the time of injury, the Weekly Income Benefit payable will be limited to fifty percent (50%) of the Sum Insured as stated in the schedule. We shall not be liable to pay for any weekly benefit in excess of the maximum liability as stated in the schedule. 4. In the event that more than one (1) form of medical proofs are submitted for the claim of Weekly Income Benefit in the same benefit period as a result of multiple injuries, we shall be liable for one injury only and only for as long as the benefit period in relation to such one injury lasts pursuant to this policy. 5. The Weekly Income Benefit shall cease to be payable upon the date of: 5.1 the death of the insured person; or 5.2 cessation of the disablement; or 5.3 the insured person fails to submit medical proof to evidence the continuation of TTD; or 5.4 the completion of the maximum benefit period of one hundred and four (104) weeks; whichever first occurs. Part 3 General Exclusions This policy does not cover death, disablement, injury or loss directly or indirectly caused by, resulting from or in connection with any of the following: 1. the time when the insured person is engaging in duty for Occupation Class 3 or above or any occupation principally involving the use of light machinery or engines and any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment, including but not limited to entertainers, newspaper-war correspondents, truck drivers, China-Hong Kong cross border drivers, jockeys, detectives and caisson workers, disciplinary forces, or armed forces of any country or international authority; 2. any pre-existing condition; 3. any kind of disease or sickness; or any loss caused by an injury which is a consequence of any kind of disease; 4. any cosmetic surgery, procurement or use of special braces, appliances or equipment except for it is reasonably caused by an accident; 5. the insured person s participation in any illegal or unlawful acts; 6. riding or driving in any kind of motor racing, or engaging in a sport in a professional capacity or where the insured person would or could earn income or remuneration from engaging in such sport; 7. being a crew member or an operator of any air carrier; 8. any activity or involvement of the insured person in the air unless such insured person is at the relevant time (i) travelling as a fare paying passenger on a regular scheduled flight or licensed chartered aircraft, or (ii) participating in such activity where the maneuver or navigation of such activity is responsible by another person who is adequately licensed for guiding such activity and the provider of such activity must be authorized by the relevant local authority; 9. suicide, attempted suicide or intentional self-injury, insanity, mental disorder of any kind, psychosis, stress or depression, any condition under the influence of alcohol or drugs (other than those prescribed by a qualified medical practitioner), childbirth, pregnancy, miscarriage or Acute Mountain Sickness; 10. war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power, or direct participation in strike, riot or civil commotion; and/or 11. any expenses, consequential loss, legal liability or loss of or damage to any property directly or indirectly arising from: 11.1 ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or 11.2 the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component. 5 Part 4 General Provisions 1. Entire Contract This policy including relevant documents will constitute the entire contract between the parties. No agent or other person has the authority to change or waive any provision of this policy. No changes in this policy shall be valid unless approved by our officer and evidenced by endorsement of amendment. For avoidance of doubt, the relevant documents will form part of the renewed policy contract and information contained are deemed to remain true and valid as at the time of renewal unless otherwise instructed by you. 2. Age Limit and Eligibility Unless specifically mentioned to the contrary, the insurance afforded under this policy shall only apply to the insured person who is aged between six (6) months and seventeen (17) years or unmarried full-time student aged between eighteen (18) and twenty-three (23) years under Junior Cover; the insured person who is aged between eighteen (18) years (if not classified as a Junior as defined above) and seventy (70) years under Adult Cover; the insured person who is aged between seventy-one (71) and eighty (80) years and lifetime renewable under Elderly Cover. The insured person must be a Hong Kong citizen or resident in Hong Kong holding a valid Hong Kong identity card with a permanent address in Hong Kong. Insured person under age of eighteen (18) shall hold a valid Hong Kong birth certificate or proof of dependent visa. 3. Status Change You or the insured person must take full responsibility to inform us forthwith of any change in respect of the information provided in the enrollment form for this policy (regardless verbally or in written format) or upon renewal, otherwise we reserve the right to refuse or invalidate all claims under this policy. 4. Change of Occupation 4.1 When there is a change of the job duties in the occupation of the insured person stated at the time of application ( Occupation ) or a change of Occupation or the insured person engages in additional occupation or retires, you shall notify us in writing immediately of the change. 4.2 If you notify us of the aforesaid change, we have the right to adjust the premiums or benefits payable under this policy and/or change the terms and conditions of this policy at our absolute discretion. 5. Transfer of Cover When the insured person reaches the age of twenty-four (24) years upon policy renewal, the cover will be automatically switched from Junior Cover (any plan level) to Adult Cover, regardless of the insured person being a full-time student, the Sum Insured will be the minimum benefits for Occupation Class 1. The insured person is required to declare the current occupation to us upon such transfer and acceptance will be subject to our approval. If no declaration was received, no coverage during occupational risk hereunder whatsoever shall be provided if the insured person s occupation falls outside Occupation Class 1. When the insured person reaches the age of seventy-one (71) years upon policy renewal, the cover will be automatically switched from Adult Cover to Plan A of Elderly Cover. We reserve the right of approval upon the request of upgrading the plan level by the insured person. 6. Notification of Claim Written notice must be given to us within thirty (30) days upon the occurrence of any event likely to give rise to a claim under this policy. In the event of accidental death, immediate notice thereof must be given to us. All other certificates, information and evidences required by us shall be furnished at the expenses of you or the insured person s or the personal representative of you or the insured person and shall be in such form and of such nature as we may prescribe. If you or the insured person do(es) not comply with this condition, we shall have the sole discretion to decide not to pay any benefits under this policy. 7. Proof of Loss Written proof of loss must be furnished to us within thirty (30) days from our receipt of the claim form provided by us. Failure to furnish such proof within the prescribed time shall not invalidate any claims if it was not reasonably practicable to give proof within such time, provided that such proof is furnished as soon as reasonably practicable, and in no event later than one hundred and eighty (180) days from the time such proof is otherwise required. All certificates, information and evidence in such form and of such nature and within such time as we may reasonably require shall be furnished without expense to us. 8. Claims Admittance In no case shall we be liable in respect of any claim after the expiry of twelve (12) months from the occurrence of the injury giving rise to a claim, unless the claim has been admitted or is the subject of a pending legal action or arbitration. 9. Medical Examination We shall be entitled in the case of non-fatal injury to call for examination by a medical referee appointed by us if we deem necessary and in the event of death of the insured person to have a post-mortem examination at our expense. The result of such examination shall be our property. 10. Payment of Claims We will pay all benefits to you or the insured person named in the schedule for their respective rights and interests. All payment of claims in this policy shall be in Hong Kong dollars and are payable to you or the insured person after the receipt of due proof upon our approval. In the event of accidental death of the insured person as shown in the schedule, we will pay all the pending benefits to the estate of the insured person. In the event that the insured person is aged seventeen (17) years or below, we will pay all benefits to his/her parent or legal guardian for their respective rights and interests. All indemnities provided in this policy will be paid immediately after the receipt of due proof upon our approval, unless if the indemnity is in respect of permanent total disablement. 11. Misrepresentation or Non-disclosure If you or the insured person, or anyone acting for you or the insured person makes a statement in the enrollment form and declaration or in connection with any claim knowing the statement is false, or fail to disclose pre-existing conditions or fail to act in utmost good faith, we will not be liable for any claim and all covers under this policy shall cease immediately. We will not be liable to refund any premium paid. 12. Premium Charge This policy is an annual policy. You may pay the premium to us on an annual or monthly basis. All premiums after the first premium are payable to us on or before the due date. You are responsible for settlement of premium for the full policy year for this policy to have an effect. We reserve the right to revise or adjust the premium under the following circumstances: 12.1 In accordance with our applicable premium rate at the time of the premium due date by giving thirty (30) days written notice to you; 12.2 The premium rate should be adjusted automatically as the insured person enters in the next age band at the time of renewal. 13. No Claim Discount No claim discount on the renewal premium of any policy year of this policy may be available and is calculated as follows: 13.1 If no claim has been made by the insured person within the policy year prior to its anniversary (of the policy effective date), the no claim discount on the renewal premium of the policy year following such anniversary (of the policy effective date) will be increased by five percent (5%). The maximum percentage of the no claim discount is fifteen percent (15%).