24-Hour Emergency Assistance Hotline 24 小時緊急支援熱線 (852) Claim submission 提交索償申請 Chubb Claim Centre 安達索償中心 Contents Par

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1 Chubb TravelWell Protection Plan 安達旅遊保險 Policy Wording 保單條款 Chubb Travel Insurance

2 24-Hour Emergency Assistance Hotline 24 小時緊急支援熱線 (852) Claim submission 提交索償申請 Chubb Claim Centre 安達索償中心 Contents Part I Schedule of Benefits... 2 Part II Definition of Words... 6 Part III Description of Cover... 9 Part IV General Exclusions Part V Extensions Part VI General Conditions Part VII How to Make a Claim Part VIII Personal Information Collection Statement About Chubb in Hong Kong Contact Us 目錄 第一部分 - 保障計劃 第二部分 - 詞彙釋義 第三部分 - 項目說明 第四部分 - 一般不受保事項 第五部分 - 延期條款 第六部分 - 一般條款 第七部分 - 如何索償 第八部分 個人資料收集聲明 關於安達香港 聯絡我們 Chubb TravelWell Protection Plan Policy Wording, Hong Kong. 安達旅遊保險保單條款, 香港. Published 06/ Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb and its respective logos, and Chubb.Insured. are protected trademarks of Chubb 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 1

3 In consideration of the payment of a premium to The Company and subject to the terms and conditions of this policy, The Company agrees to provide cover in the manner and to the extent set out in this policy. Please Read This Policy If this policy contains incorrect information, please return it to The Company immediately for correction. Part I Schedule of Benefits For Worldwide Plan and Guangdong and Macau Plan: Coverage Worldwide Plan 1 Worldwide Plan 2 Worldwide Plan 3 Guangdong and Macau Plan (HK$) (HK$) (HK$) (HK$) A. Personal Accident (a) Accident whilst travelling Sum Insured 2,500,000 2,000,000 1,000, ,000 on a Public Conveyance and/or due to Kidnap or Hijacking (18 to 75 years of age) (b) Other Accident (18 to 75 Sum Insured 1,500,000 1,000, , ,000 years of age) (c) Additional Personal Sum Insured 50,000 50,000 50,000 50,000 Accident Coverage due to Assault, Murder or Robbery (18 to 75 years of age) (d) Accident (under 18 or over Sum Insured 500, , , , years of age) B. Medical Expenses (a) Medical Expenses Sum Insured 1,500,000 1,200, , ,000 (b) Follow-up Medical Sum Insured 1,500,000 1,200, ,000 Not Applicable Expenses (b)(1) Follow-up Medical Sum Insured 1,500,000 1,200, ,000 Not Applicable Expenses for Bodily Injury (b)(1)(ii) Follow-up Medical Sum Insured 150, ,000 60,000 Not Applicable Expenses for Sickness (b)(2) Maximum amount for Sum Insured 3,000 3,000 3,000 Not Applicable Chinese Medicine Practitioner (b)(2)(ii) Daily maximum amount for Not Applicable Chinese Medicine Practitioner (c) Trauma Counselling Sum Insured 20,000 20,000 10,000 10,000 (c)(1) Daily maximum amount for 2,000 2,000 2,000 2,000 Trauma Counselling (d) Mobility Extension Sum Insured 20,000 20,000 10,000 3,000 (e) Hotel Accommodation for Convalescence and Transport Expenses Sum Insured 20,000 10,000 5,000 Not Applicable respective logos, and Chubb.Insured. are protected trademarks of Chubb. 2

4 C. Chubb Assistance 24-Hour Worldwide Assistance Services (a) Emergency Medical Unlimited Unlimited Unlimited Unlimited Evacuation and/or Repatriation (b) Return of Mortal Remains Unlimited Unlimited Unlimited Unlimited (c) Compassionate Visit Sum Insured 20,000 20,000 10,000 5,000 (d) Child Escort Sum Insured 20,000 20,000 10,000 5,000 (e) Chubb Assistance Twenty Applicable Applicable Applicable Applicable Four (24) Hour Telephone Hotline And Referral Services D. Hospital Cash (a) Maximum amount Sum Insured 10,000 10,000 5,000 Not Applicable (b) Maximum daily benefit Not Applicable E. Burns Benefit Sum Insured 250, , , ,000 F. Personal Property (a) Maximum amount Sum Insured 30,000 20,000 15,000 5,000 (b) Maximum amount for each 5,000 5,000 5,000 3,000 item/set/pair of Sports Equipment (c) Maximum amount for 10,000 8,000 5,000 3,000 Camera / Laptop Computer (d) Maximum amount for each 5,000 3,000 3,000 1,500 item/set/pair of other Personal Property G. Personal Money Sum Insured 3,000 2,500 2, H. Loss Of Travel Sum Insured 10,000 10,000 5,000 3,000 Documents (a) Maximum daily benefit for 10,000 10,000 5,000 3,000 accommodation or transport expenses I. Trip Cancellation Sum Insured 50,000 30,000 15,000 10,000 (a) Maximum amount for Red 20,000 10,000 3,000 3,000 Alert J. Trip Interruption (a) Trip Curtailment Sum Insured 50,000 40,000 25,000 10,000 K. Travel Delay Cover for any one (1) item under Section K (a) to (c) only: (a) Maximum amount for Section K(a) Sum Insured 3,000 2,000 1, (a)(1) (b)(1) (b)(2) Cash Benefit for each period of delay Maximum amount for additional accommodation expenses (After 6 hour period of delay) Maximum amount for additional transport expenses (After 6 hour period of delay) Each 6 hour period of delay Sum Insured 2,000 1,500 1,000 Not Applicable Sum Insured 10,000 5,000 3,000 Not Applicable respective logos, and Chubb.Insured. are protected trademarks of Chubb. 3

5 (c) Forfeited travel expenses (Trip cancelled after 24 hour period of delay) Sum Insured 3,000 3,000 3,000 Not Applicable L. Baggage Delay Sum Insured 3,000 2,000 1,000 Not Applicable M. Personal Liability Sum Insured 4,000,000 3,000,000 2,000,000 2,000,000 N. Rental Vehicle Excess Sum Insured 5,000 5,000 3,000 Not Applicable O. Home Contents Protection (a) Maximum amount Sum Insured 20,000 10,000 5,000 1,000 (b) Maximum amount for each item/set/pair 3,000 3,000 1,500 Not Applicable P. Credit Card Protection Sum Insured 50,000 50,000 30,000 5,000 For Cruise Plan: Coverage Cruise Worldwide Cruise Asia (HK$) (HK$) A. Personal Accident (a) Accident whilst travelling on a Public Conveyance Sum Insured 2,500,000 2,000,000 and/or due to Kidnap or Hijacking (18 to 75 years of age) (b) Other Accident (18 to 75 years of age) Sum Insured 1,500,000 1,000,000 (c) Additional Personal Accident Coverage due to Assault, Murder or Robbery (18 to 75 years of age) Sum Insured 50,000 50,000 (d) Accident (under 18 or over 75 years of age) Sum Insured 500, ,000 B. Medical Expenses (a) Medical Expenses Sum Insured 1,500,000 1,200,000 (b) Follow-up Medical Expenses Sum Insured 1,500,000 1,200,000 (b)(1) Follow-up Medical Expenses for Bodily Injury Sum Insured 1,500,000 1,200,000 (b)(1)(ii) Follow-up Medical Expenses for Sickness Sum Insured 150, ,000 (b)(2) Maximum amount for Chinese Medicine Practitioner Sum Insured 3,000 3,000 (b)(2)(ii) Daily maximum amount for Chinese Medicine Practitioner (c) Trauma Counselling Sum Insured 20,000 20,000 (c)(1) Daily maximum amount for Trauma Counselling 2,000 2,000 (d) Mobility Extension Sum Insured 20,000 20,000 (e) Hotel Accommodation for Convalescence and Sum Insured 20,000 10,000 Transport Expenses C. Chubb Assistance 24- Hour Worldwide Assistance Services (a) Emergency Medical Evacuation and/or Repatriation Unlimited Unlimited (b) Return of Mortal Remains Unlimited Unlimited (c) Compassionate Visit Sum Insured 20,000 20,000 (d) Child Escort Sum Insured 20,000 20,000 (e) Chubb Assistance Twenty Four (24) Hour Applicable Applicable Telephone Hotline And Referral Services D. Hospital Cash (a) Maximum amount Sum Insured 10,000 10,000 (b) Maximum daily benefit E. Burns Benefit Sum Insured 250, ,000 respective logos, and Chubb.Insured. are protected trademarks of Chubb. 4

6 F. Personal Property (a) Maximum amount Sum Insured 30,000 20,000 (b) Maximum amount for each item/set/pair of Sports 5,000 5,000 Equipment (c) Maximum amount for Camera / Laptop Computer 10,000 8,000 (d) Maximum amount for each item/set/pair of Personal 5,000 3,000 Property G. Personal Money Sum Insured 3,000 2,500 H. Loss Of Travel Documents Sum Insured 10,000 10,000 (a) Maximum daily benefit for accommodation or 10,000 10,000 transport expenses I. Trip Cancellation Sum Insured 50,000 30,000 (a) Maximum amount for Red Alert 20,000 10,000 J. Trip Interruption (a) Trip Curtailment Sum Insured 50,000 40,000 K. Travel Delay Cover for any one (1) item under Section K (a) to (c) only: (a) Maximum amount for Section K(a) Sum Insured 3,000 2,000 (a)(1) Cash Benefit for each period of delay Each 6 hour period of delay (b)(1) Maximum amount for additional accommodation Sum Insured 2,000 1,500 expenses (After 6 hour period of delay) (b)(2) Maximum amount for additional transport expenses Sum Insured 10,000 5,000 (After 6 hour period of delay) (c) Forfeited travel expenses (Trip cancelled after 24 Sum Insured 10,000 5,000 hour period of delay) L. Baggage Delay Sum Insured 3,000 2,000 M. Personal Liability Sum Insured 4,000,000 3,000,000 N. Rental Vehicle Excess Sum Insured 5,000 5,000 O. Home Contents Protection (a) Maximum amount Sum Insured 20,000 10,000 (b) Maximum amount for each item/set/pair 3,000 3,000 P. Credit Card Protection Sum Insured 50,000 50,000 Q. Cruise Benefits (a) Cruise Re-route Sum Insured 10,000 5,000 (b) Excursion Tour Cancellation Maximum amount under Q(b) Sum Insured 10,000 5,000 (b)(1) Forfeited excursion tour expenses Sum Insured 10,000 5,000 (b)(2) Maximum Amount of cash benefit Sum Insured 2,000 1,000 Per excursion 1, (c) Excursion Tour Curtailment (c)(1) Cash Benefit Maximum Amount Sum Insured 2,000 1,000 Per excursion 1, (d) Satellite Phone Fee Sum Insured 3,000 1,500 Customer Services Hotline: Hour Emergency Assistance Hotline: respective logos, and Chubb.Insured. are protected trademarks of Chubb. 5

7 Part II Definition of Words The following defined terms shall have the meaning set out as follows in this policy: 1. A Second Degree Burn means Bodily Injury sustained as a result of burn and diagnosed by a Physician in which both the epidermis and the underlying dermis are damaged. 2. A Third Degree Burn means Bodily Injury sustained as a result of burn and diagnosed by a Physician in which the skin has been damaged or destroyed to its full depth and there is damage to the tissue beneath. 3. Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance. 4. Assault means any willful and unlawful use of force by any person against an Insured Person. 5. Authorised Assistance Service Provider or Chubb Assistance means the independent service provider appointed by The Company to provide overseas assistance services to Insured Persons. 6. Black Alert means the travel black alert issued by the Security Bureau of the Hong Kong Government under the Outbound Travel Alert (OTA) System. This definition may be changed by The Company from time to time based on changes to the OTA System communicated by the Security Bureau of the Hong Kong Government. 7. Bodily Injury means physical injury caused solely and independently by an Accident and sustained during the Period of Insurance. 8. Business Partner means one or more persons engaged in, and sharing the profits and risks of the same business enterprise as an Insured Person. 9. Camera means the following personal goods, equipment or accessories belonging to an Insured Person taken on the Journey or acquired by an Insured Person during the Journey: camera body, photographic lens, flash, tripod. Any equipment or accessory with a telecommunications function will not be classified as Camera in this policy. 10. Cash means cash, banknotes or travellers cheques belonging to an Insured Person taken by an Insured Person on the Journey. 11. Chinese Medicine Practitioner means a person other than an Insured Person or an Immediate Family Member who is duly registered as a Chinese medicine practitioner according to the Chinese Medicine Ordinance (Cap. 549). 12. Confinement or Confined means a continuous period of necessary confinement in a Hospital as a Resident Inpatient for which the Hospital makes a charge for room and board. 13. Diving Equipment means the following specialist equipment used for scuba diving: buoyancy control device (BCD), regulator, cylinder, dive computer, dive mask, snorkel, fins, scuba booties, scuba gloves and wet suit. 14. Golf Equipment means the following specialist equipment used for golf: golf clubs, golf bag, clubhead cover, golf gloves and golf shoes. 15. Hijack or Hijacking means the unlawful seizure or wrongful exercise of control of an aircraft or conveyance and its crew, in which the Insured Person is travelling. 16. Hospital means a legally constituted establishment operated and licensed pursuant to the laws of the country in which it is located and which meets all of the following requirements: (a) Operates primarily for the reception and medical care and treatment of sick, ailing or injured persons on a Resident Inpatient basis; and (b) Admits a Resident Inpatient only under the supervision of one or more Physicians, at least one of whom is available for consultation at all times; and (c) Maintains organized facilities for medical diagnosis and treatment of Resident Inpatients and provides (where appropriate) facilities for major surgery within the confines of the establishment or in facilities controlled by the establishment; and (d) Provides full-time nursing service by and under the supervision of a staff or nurses; and (e) (f) Has an on-duty staff of at least one Physician and one qualified nurse at all times; and Hospital shall not include the following: a mental institution, an institution operating primarily for the treatment of psychiatric or psychological disease including sub-normality or the psychiatric department of a hospital; a place for the aged, a rest home or a place for drug addicts or alcoholics; a health hydro or nature cure clinic, a nursing or convalescent home, a special unit of a hospital used primarily as a place for drug addicts or alcoholics or as a nursing, convalescent, rehabilitation, extended-care facility or rest home. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 6

8 17. Hong Kong means the Hong Kong Special Administrative Region. 18. Household Contents means property owned by an Insured Person and located at their Principal Home at the time of burglary but does not include diamonds, gems, antiques, valuable paintings or art, jewellery (including but not limited to, for example crystals, earrings, necklaces, rings or brooches etc.) or cash. 19. Immediate Family Member means an Insured Person s spouse, parents, parents-in-law, grandparents, children, siblings, grandchildren or legal guardians. 20. Insured Person means the person or persons named in the Policy Schedule or subsequent endorsement(s) (if any). 21. Journey means the trip outside Hong Kong described in the Policy Schedule. 22. Kidnap means the wrongful abduction and detention of an Insured Person against their will or by deception, by a person or group demanding payment in exchange for the release of that Insured Person or a claim by a person or group demanding such a payment, to have carried out such a wrongful kidnapping 23. Landslide means the downward falling or sliding of a mass of soil, detritus or rock on or from a steep slope. 24. Laptop Computer means the following personal goods: portable notebook computer with a clamshell form factor, belonging to an Insured Person taken on the Journey or acquired by an Insured Person during the Journey. The following items are excluded from this definition of Laptop Computer: handheld computers (HHC), personal digital assistants (PDA), ipads and tablets or similar. 25. Loss of finger or toe means loss of use or loss by complete severance through or above the metacarpophalangeal or metatarsophalangeal joint. This disability must have continued for at least twelve (12) consecutive months and it must be certified by a Physician that the disability will be total, continuous and Permanent for the remainder of the Insured Person s life. 26. Loss of hearing means total and irrecoverable loss of complete hearing in an ear in that the ear is beyond remedy by surgical or other treatment. This disability must have continued for at least twelve (12) consecutive months and it must be certified by a Physician that the disability will be total, continuous and Permanent for the remainder of the Insured Person s life. 27. Loss of limb means total and irrecoverable loss of use or loss by physical separation at or above the wrist or ankle joint of a limb. This disability must have continued for at least twelve (12) consecutive months and it must be certified by a Physician that the disability will be total, continuous and Permanent for the remainder of the Insured Person s life. 28. Loss of sight means total and irrecoverable loss of complete sight of an eye in that the eye is beyond remedy by surgical or other treatment. This disability must have continued for at least twelve (12) consecutive months and it must be certified by a Physician that the disability will be total, continuous and Permanent for the remainder of the Insured Person s life. 29. Loss of speech means total and irrecoverable loss of speech beyond remedy by surgical or other treatment. This disability must have continued for at least twelve (12) consecutive months and it must be certified by a Physician that the disability will be total, continuous and Permanent for the remainder of the Insured Person s life. 30. Medical Expenses means all Usual, Reasonable and Customary Medical Expenses necessarily incurred by an Insured Person as a result of Bodily Injury sustained or Sickness contracted, for Confinement, surgical, medical, or other diagnostic or remedial treatment given or prescribed by a Physician, including employment of a nurse, x-ray examination or the use of an ambulance as the result of an emergency. 31. Murder means causing the death of another human being by an unlawful act done with the intention to cause death or serious bodily harm. 32. Natural Catastrophe means a Landslide, earthquake, volcanic eruption, tsunami, flooding or natural disaster that occurs in the scheduled destination. 33. Period of Insurance means the period described under the relevant plan in this policy as follows: (a) Section I (Trip Cancellation) of this policy only, the period of insurance starts from the Purchase Date as specified in the Policy Schedule; or (b) all other Sections of this policy, the period of insurance starts at the later of: three (3) hours before the Insured Person s scheduled departure from Hong Kong to embark on a Journey; or (ii) the time at which an Insured Person commences his or her travel from anywhere in Hong Kong directly to the Hong Kong immigration control point to embark on a Journey; and (c) all Sections of this policy, the period ending at the earliest of either one-hundred-eighty (180) days after an Insured Person s departure from Hong Kong to embark on a Journey (inclusive of the date of departure); or (ii) three (3) hours after an Insured Person has passed through Hong Kong immigration control point on their return to Hong Kong, or (iii) the Travel Period end date shown on the Policy Schedule. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 7

9 34. Permanent means: (a) In relation to one or both limbs, loss of use lasting twelve (12) consecutive months from the date of Accident and being beyond hope of improvement or remedy by surgical or other treatment at the expiry of that period, or loss by physical separation at or above the wrist or ankle joint during the same period; or (b) In relation to any other type of loss, being beyond hope of improvement or remedy by surgical or other treatment at the end of twelve (12) consecutive months from the date of Accident. 35. Permanent Total Disability means disablement that results solely, directly or independently of all other causes from Bodily Injury and which occurs within one hundred eighty (180) days of the Accident in which such Bodily Injury was sustained, which, having lasted for a continuous and uninterrupted period of at least twelve (12) consecutive months, will, in all probability, entirely prevent the Insured Person from engaging in gainful employment of any and every kind for the remainder of his/her life and from which there is no hope of improvement. 36. Personal Property means personal goods belonging to an Insured Person taken on the Journey or acquired by an Insured Person during the Journey, other than Camera, Laptop Computer, Sports Equipment, any form of money, any kind of document, any kind of food or beverage, antiques, contracts, bonds, securities, animals, software, means of transport and accessories and jewellery (including but not limited to, for example crystals, earrings, necklaces, rings or brooches etc.) that is not being worn or carried by the Insured Person at the time of loss or damage. 37. Physician means a person other than an Insured Person or an Immediate Family Member who is a qualified medical practitioner licensed by the competent medical authorities of the jurisdiction in which treatment is provided and who, in providing treatment, practices within the scope of his or her licensing and training. 38. Policy Schedule means the document(s) which allow each Insured Person to be identified by name and date of birth, (ii) states the destination of the insured Journey, and (iii) indicates which plan has been selected. 39. Pre-existing Medical Condition means any sickness or injury of which, in the six (6) consecutive months before the first day of the Period of Insurance, an Insured Person, Immediate Family Member, Travel Companion or Business Partner presented signs or symptoms, or for which, in the same period, an Insured Person, Immediate Family Member, Travel Companion or Business Partner sought or received (or ought reasonably to have sought or received) medical treatment, consultation, prescribed drugs, advice or diagnosis by a Physician. 40. Principal Home means an Insured Person s primary place of residence in Hong Kong. 41. Public Conveyance means any mechanically propelled carrier operated by a company or an individual licensed to carry passengers for hire. 42. Red Alert means the travel red alert issued by the Security Bureau of the Hong Kong Government under the Outbound Travel Alert (OTA) System. This definition may be changed by The Company from time to time based on changes to the OTA System communicated by the Security Bureau of the Hong Kong Government. 43. Resident Inpatient means an Insured Person whose Confinement as a resident bed patient is necessary for the medical care, diagnosis and treatment of Bodily Injury or Sickness and not merely for any form of nursing, convalescence, rehabilitation, rest or extended-care. 44. Rental Vehicle means a non-commercial inland vehicle (except motorcycle) rented or hired from a licensed motor vehicle rental/hire company for the sole purpose of carrying an Insured Person on public roadways. 45. Riot means the act of a group of people that disturb the public peace (whether in connection with a Strike or lock-out or not) and the action of any lawfully constituted governmental authority in suppressing or attempting to suppress any such disturbance or in minimizing the consequences of such disturbance. 46. Robbery means loss of or damage to baggage or personal property caused by use of intimidation or force to deprive the Insured Person of such baggage or personal property. 47. Schedule of Benefits means the schedule of benefits in Part I of this policy. 48. Sickness means illness or disease commencing during the Period of Insurance. 49. Skiing Equipment means the following specialist equipment used for skiing: skis, poles, ski boots, ski gloves, snowboard, snowboard boots and helmet. 50. Specially Designated List means names of a person, entities, groups, corporate specified on a list who are subject to trade or economic sanctions or other such similar laws or regulations of the United States of America, Australia, United Nations, European Union or United Kingdom. 51. Sports Equipment means the following personal goods: Golf Equipment, Skiing Equipment and Diving Equipment, which an Insured Person taken on the Journey or which an Insured Person acquires during the Journey. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 8

10 52. Strike means the willful act of any striker or locked-out worker done in furtherance of a strike or in resistance to a lockout or the action of any lawfully constituted authority in preventing or attempting to prevent any such act or in minimizing the consequences of any such act. 53. Sum Insured means, in relation to each benefit available to an Insured Person under this policy, the maximum amount listed in the Schedule of Benefits or any endorsement(s) corresponding to that benefit. 54. The Company means Chubb Insurance Hong Kong Limited. 55. Travel Companion means a person who accompanies an Insured Person for the entire Journey. 56. Usual, Reasonable and Customary Medical Expenses means charges for treatment, supplies or medical services medically necessary to treat an Insured Person s condition and which do not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the charges are incurred. Charges that would not have been made if no insurance existed are excluded from this definition. Part III Description of Cover Section A Personal Accident (a) (b) Accident whilst travelling on a Public Conveyance and/or due to Kidnap or Hijacking (18 up to and including 75 years of age on the first day of the Period of Insurance): If an Insured Person who is eighteen (18) up to and including seventy-five (75) years of age on the first day of the Period of Insurance sustains Bodily Injury while travelling as a fare-paying passenger on board a Public Conveyance or a carrier arranged by a travel agent, and/or due to Kidnap or Hijacking, and, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company will pay the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(a) of the Schedule of Benefits. Other Accident (18 up to and including 75 years of age on the first day of the Period of Insurance): If an Insured Person who is eighteen (18) up to and including seventy-five (75) years of age on the first day of the Period of Insurance sustains Bodily Injury other than as set out at Section A(a) above, and, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company will pay the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(b) of the Schedule of Benefits. (c) Additional Personal Accident Coverage due to Assault, Murder or Robbery (18 up to and including 75 years of age on the first day of the Period of Insurance): If an Insured Person who is eighteen (18) up to and including seventy-five (75) years of age on the first day of the Period of Insurance sustains Bodily Injury due to Assault, Murder or Robbery, and, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company will pay another twenty per cent (20%) in addition to the actual compensation paid under Section A(a) or A(b), up to the maximum limit stated in Section A(c) of the Schedule of Benefits. (d) Accident (for whom under 18 or above 75 years of age on the first day of the Period of Insurance): If an Insured Person who is under eighteen (18) year of age or above seventy-five (75) years of age on the first day of the Period of Insurance sustains Bodily Injury and, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company will pay the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(d) of the Schedule of Benefits. Section A Loss Table: Type of Loss Percentage of Sum Insured 1. Accidental death 100% 2. Permanent Total Disability 100% 3. Permanent total paralysis of all limbs 100% 4. Loss of entire sight of both eyes 100% 5. Loss of entire sight of one eye 50% 6. Loss of two limbs 100% 7. Loss of one limb 70% 8. Loss of speech and hearing 100% respective logos, and Chubb.Insured. are protected trademarks of Chubb. 9

11 9. Loss of hearing in both ears 75% 10. Loss of hearing in one ear 15% 11. Loss of speech 50% 12. Permanent total loss of lens of each eye 30% 13. Removal of the lower jaw by surgical operation 30% 14. Loss of toes (a) All 15% (b) Great, two phalanges 5% (c) Great, one phalanges 3% (d) Other toe 2% 15. Loss of one thumb Right Left (a) Both phalanges 30% 20% (b) First or second 15% 10% 16. Fractured Leg or Patella with established nonunion 10% 10% 17. Shortening of Leg by at least 5cm 7.50% 7.50% 18. Loss of four fingers and thumb 70% 50% 19. Loss of four fingers 40% 30% 20. Loss of each of index, middle, ring or little finger (a) Three phalanges 10% 7.50% (b) Two phalanges 7.50% 5% (c) One phalanx 5% 2% Benefits payable in respect of Right hand and Left hand under items of the Loss Table shall be reversed if an Insured Person is left-handed. Special Conditions to Section A: Where an Insured Person suffers more than one type of loss listed in the Loss Table in this Section A in the same Accident, The Company s liability under this Section A shall be limited to one payment for the type of loss which, of all the types of loss actually suffered, attracts the largest percentage stated in the Loss Table in this Section A of the relevant Sum Insured stated in Section A of the Schedule of Benefits. (ii) The Company s total liability under this Section A for all Accidents involving the same Insured Person occurring during the Period of Insurance shall not exceed the relevant Sum Insured. (iii) Where the use or enjoyment of an Insured Person s limb or organ was partially impaired before an Accident occurred, The Company may, in its sole discretion and after considering a medical assessment by The Company s appointed medical adviser of the extent to which any Bodily Injury was, in the medical adviser s opinion, caused solely and independently by that Accident, pay such percentage of the relevant Sum Insured as it considers reasonable. No payment shall be made for a limb or organ which was totally unusable before an Accident occurred. (iv) (Applicable to Family Plan only) Where this policy covers more than one Insured Person from the same family and more than one member of that family is involved in the same Accident, The Company s total liability under this Section A for all Insured Persons involved in that Accident shall not exceed 300% of the largest Sum Insured which applies to any member of that family. (v) Exposure: If during the Period of Insurance, the Insured Person is exposed to the elements as a result of an Accident and within twelve (12) months of the Accident the Insured Person suffers any one type of loss listed in the Loss Table in this Section A as a direct result of that exposure, the Insured Person will be deemed for the purpose of this policy to have suffered a Bodily Injury on the date of the Accident. (vi) Disappearance: Where an Insured Person's body has not been found within one (1) year of the date of the disappearance, sinking or wrecking of the means of transport being used by the Insured Person on the date of the disappearance, sinking or wrecking: (a) (b) It will be presumed that the Insured Person suffered Accidental death resulting from Bodily Injury at the time of such disappearance, sinking or wrecking; and Subject to receiving an undertaking, signed by the legal representatives of the Insured Person s estate, that if the presumption of Accidental death resulting from Bodily Injury is subsequently found to be wrong, any amount paid by The Company under this Section A will be immediately refunded to The Company. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 10

12 The Company will pay to the legal representatives of the deceased Insured Person the percentage stated for Accidental death in the Loss Table in this Section A of the relevant Sum Insured stated in Section A of the Schedule of Benefits. Exclusion to Section A: This Section A does not cover: 1. Sickness, disease or bacterial infection. Section B Medical Expenses (a) (b) (c) Medical Expenses: If an Insured Person incurs Medical Expenses during the Period of Insurance arising from Bodily Injury or Sickness, The Company will reimburse the Insured Person for those Medical Expenses up to the Sum Insured stated in Section B(a) of the Schedule of Benefits. Follow-up Medical Expenses (applicable to Plan 1, 2, 3 & Cruise Worldwide and Cruise Asia Only): If an Insured Person incurs Medical Expenses outside Hong Kong during a Journey arising from Bodily Injury or Sickness and, after returning to Hong Kong, that Insured Person still requires treatment in Hong Kong for the same Bodily Injury or Sickness as given or prescribed by a Physician and/or Chinese Medicine Practitioner, The Company will continue to reimburse the Insured Person for: (1) reasonable medical expenses incurred for the purpose of Chinese medical treatment and charged by a Chinese Medicine Practitioner; (2) Any Medical Expenses other than as set out at Section B (b)(1) above; incurred in Hong Kong, up to ninety (90) days after the Insured Person s return to Hong Kong, or until the respective Sum Insured stated in Section B(b) of the Schedule of Benefits has been exhausted, whichever comes first. Trauma Counselling Benefit: If during the Period of Insurance, an Insured Person is the victim of a traumatic event such as, but not limited to, rape, armed hold up, Assault, natural disaster, Hijack or acts of terrorism and sustains Bodily Injury due to that traumatic event, upon the production of the Physician s advice on the need of trauma counselling service as a result of such Bodily Injury, The Company will reimburse the Insured Person for reasonable and necessary expenses for trauma counselling incurred within ninety (90) days from the occurrence of the traumatic event, up to the Sum Insured stated in Section B(c) of the Schedule of Benefits. (d) Mobility Extension: (e) If an Insured Person sustains Permanent Total Disability outside Hong Kong during a Journey arising from Bodily Injury independent of all other causes, and as a result, the Insured Person needs: a self-powered, climbing wheelchair; and/or (ii) modification to the controls of his/her motor vehicle; and/or (iii) a lift, necessary ramps and railings within the Insured Person s usual place of residence. The Company will reimburse the reasonable costs of such equipment and installation/modification up to the Sum Insured stated in Section B(d) of the Schedule of Benefits. Hotel Accommodation for Convalescence and Transport Expenses (applicable to Plan 1, 2, 3 & Cruise Worldwide and Cruise Asia Only): If an Insured Person is Confined in a Hospital outside Hong Kong during a Journey arising from Bodily Injury or Sickness, and upon discharge from Confinement and as recommended by Physician to convalesce immediately before continuing with the Journey, The Company will reimburse the cost of one (1) ordinary room accommodation expenses necessarily incurred, but not the cost of drinks, meals and other room services and the additional cost of one (1) economy class one-way trip ticket for the Insured Person, provided that the original scheduled ticket is forfeited due to Confinement and/or convalescence, up to the maximum Sum Insured stated in the Section B(e) of the Schedule of Benefits. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 11

13 Special Conditions to Section B: The Authorised Assistance Service Provider must be notified promptly if the Insured Person is admitted or anticipates admission to Hospital as a Resident Inpatient during the Period of Insurance outside Hong Kong. Failure to give the notice required by this condition precedent will result in The Company having no liability under this policy for those Medical Expenses. (ii) The Company s total liability under Section B(a) for all Medical Expenses incurred shall not exceed the Sum Insured stated in Section B(a) of the Schedule of Benefits. (iii) The Company s total liability under Section B(b) for all follow-up Medical Expenses incurred shall not exceed the Sum Insured stated in Section B(b) of the Schedule of Benefits. (iv) The Company s liability under Section B(b) for each and every expense incurred shall not exceed the amount stated in Section B(b) of the Schedule of Benefits. (v) The Company s total liability under Section B(b) for all follow-up Medical Expenses incurred due to Bodily Injury shall not exceed the Sum Insured stated in Section B(b)(1) of the Schedule of Benefits. (vi) The Company s total liability under Section B(b) for all follow-up Medical Expenses incurred due to Sickness shall not exceed the Sum Insured stated in Section B(b)(1)(ii) of the Schedule of Benefits. (vii) The Company s liability under Section B(b)(1) for all expenses charged by Chinese Medicine Practitioner shall not exceed the amount stated in Section B(b)(2) of the Schedule of Benefits. The maximum daily amount incurred by Chinese Medicine Practitioner shall be the amount stated in Section B(b)(2)(ii) of the Schedule of Benefits. (viii) The Company s liability under Section B(b) of Medical Expenses (including medical expenses charged by Chinese Medicine Practitioner) incurred in Hong Kong shall not exceed the amount stated in Section B (b) of the Schedule of Benefits. (ix) The Company s liability under Section B(c) for all Trauma Counselling expenses shall not exceed the Sum Insured stated in Section B(c) of the Schedule of Benefits. The maximum daily amount incurred for trauma counselling benefit shall be the amount stated in Section B(c)(1) of the Schedule of Benefits. (x) The Company s liability under Section B(d) for all the Mobility Extension expenses shall not exceed the Sum Insured stated in Section B(d) of the Schedule of Benefits. (xi) The Company s liability under Section B(e) for all the Hotel Accommodation for Convalescence and Transport Expenses shall not exceed the Sum Insured stated in Section B(e) of the Schedule of Benefits. (xii) The Company s total liability under this Section B for all Medical Expenses, all medical expenses charged by Chinese Medicine Practitioner, all expenses for Trauma Counselling, Mobility Extension expenses and Hotel Accommodation for Convalescence and Transport Expenses shall not exceed the Sum Insured stated in Section B(a) of the Schedule of Benefits. Exclusions to Section B: This Section B does not cover: 1. Any expenses included or contemplated in the cost of a Journey at the time it was paid for. 2. Surgery or medical treatment which, in the opinion of the Physician attending the Insured Person, can reasonably be delayed until the Insured Person returns to Hong Kong. 3. Any expenses incurred after an Insured Person has failed, within a reasonable period, to follow a Physician s advice to return to Hong Kong to continue treatment for Bodily Injury suffered or Sickness contracted outside Hong Kong. 4. Any expenses incurred during a Journey after an Insured Person has been advised by a Physician prior to the departure of the Journey that he or she is unfit to travel. 5. Any expenses incurred under Section B(a) after twelve (12) months from the date the first expenses were incurred. 6. Any follow-up expenses incurred under Section B(b) more than ninety (90) days after the end of the Period of Insurance during which the Bodily Injury or Sickness occurred. 7. Any expenses incurred under Section B(c) more than ninety (90) days from the occurrence of the traumatic event. 8. Any expenses incurred under Section B(d) after twenty-four (24) months from the date of loss. 9. Health check-ups or any investigation(s) not directly related to admission diagnosis, Bodily Injury or Sickness or any treatment or investigation which is not medically necessary. 10. The cost of prostheses, contact lenses, spectacles, hearing aids, dentures and other medical equipment or optical treatment. 11. Any expenses claimed under Section J Trip Interruption for the same cause or event claimed under Section B(e). respective logos, and Chubb.Insured. are protected trademarks of Chubb. 12

14 Section C Chubb Assistance 24-Hour Worldwide Assistance Services (a) (b) (c) Emergency Medical Evacuation and/or Repatriation: Where a Physician, designated by an Authorised Assistance Service Provider, certifies that Bodily Injury or Sickness renders an Insured Person unfit to travel or continue with their Journey or is a danger to their life or health; and the necessary medical treatment is not available, either at the nearest Hospital where the Insured Person was transported to or in the immediate vicinity thereof, after suffering the Bodily Injury or Sickness, The Company may, based on the advice of that Physician that the Insured Person is medically fit to be evacuated, determine in its sole discretion, that the Insured Person, should be evacuated to another location for the necessary medical treatment. The Authorised Assistance Service Provider shall arrange for the evacuation within a reasonable timeframe and utilise the best suited means, based on the medical severity of the Insured Person s condition for the transport of the Insured Person, including but not limited to, air ambulance, surface ambulance, regular air transport, railroad or any other appropriate means. All decisions as to the means of transport and the final destination will be made by Authorised Assistance Service Provider, and will be based solely upon medical necessity. The Insured Person may, in appropriate circumstances, be returned to Hong Kong. The Company will pay the actual cost of the Insured Person s emergency medical evacuation and/or repatriation and associated medical services and medical supplies directly to Authorised Assistance Service Provider. Return of Mortal Remains: Upon the death of an Insured Person as a direct and unavoidable result of Bodily Injury or Sickness, The Company will pay the actual cost 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 the Authorised Assistance Service Provider. Compassionate Visit: If a Physician certifies that Bodily Injury or Sickness renders an Insured Person unfit to travel or continue with their Journey or is a danger to their life or health or suffers death during the Journey, The Company will pay, up to the Sum Insured stated in Section C(c) of the Schedule of Benefits the cost of one (1) economy class round trip ticket for one (1) person to visit the Insured Person outside Hong Kong, and (ii) the cost of one (1) ordinary room accommodation in any reasonable hotel outside Hong Kong for a maximum period of five (5) consecutive nights, but not the cost of drinks, meals and other room services. (d) Child Escort: (e) Where: (1) An Insured Person is Confined as a direct and unavoidable result of Bodily Injury or Sickness which a Physician certifies as either rendering that Insured Person unfit to travel or continue with their Journey or as being a danger to their life or health or death of the Insured Person; and (2) That Insured Person is accompanied by a child who is an Insured Person and was under eighteen (18) years old on the first day of the Journey; and (3) That child is at risk of being left unattended as a result of the Insured Person s Confinement or the Insured Person s death. The Company will arrange and pay up to the Sum Insured stated in Section C(d) of the Schedule of Benefits, for an economy class one-way ticket, together with escort services, for that child to be escorted back to Hong Kong. Chubb Assistance Twenty Four (24) Hour Telephone Hotline And Referral Services: The services are provided by way of referral and arrangement only and all expenses incurred are to be borne by the Insured Person: Inoculation and Visa Requirement Information services Embassy Referral Interpreter Referral Loss of Luggage Assistance Loss of Travel Document Assistance Telephone Medical Advice Medical Service Provider Referral Monitoring of Medical Condition when Hospitalized Arrangement of Appointments with Doctors Arrangement of Hospital Addmission respective logos, and Chubb.Insured. are protected trademarks of Chubb. 13

15 For full details on this service, please refer to the telephone hotline and referral service information provided by Chubb Assistance. If you have any queries on this telephone hotline and referral service, please telephone Chubb Assistance on (852) Special Conditions to Section C: Services under Section C are provided by the Authorised Assistance Service Provider. The Company or the Authorised Assistance Service Provider must be promptly notified of the occurrence of any event which may give rise to a potential claim under Section C(a)-(d) Chubb Assistance 24-Hour Worldwide Assistance Services. Failure to give the notice required by this condition precedent could result in The Company having no liability under this Section C of the policy. (ii) The arrangements for, means and final destination of emergency medical evacuation and/or repatriation will be decided by the Authorised Assistance Service Provider and will be based entirely upon medical necessity. (iii) Upon payment being made under this Section C, The Company shall be entitled to any monies refundable from an original return airfare. Exclusions to Section C: This Section C does not cover: 1. Expenses included or contemplated in the cost of a Journey at the time it was paid for. 2. Expenses incurred during a Journey after an Insured Person has been advised by a Physician prior to the departure of the Journey that he or she is unfit to travel. 3. Expenses incurred for services provided by another party for which the Insured Person is not liable to pay. 4. Expenses for a service not approved and arranged by an Authorised Assistance Service Provider. 5. Treatment performed or ordered by a person who is not a Physician. 6. Expenses incurred in relation to treatment that can be reasonably delayed until the Insured Person returns to Hong Kong. Section D Hospital Cash (applicable to Plan 1, 2, 3 & Cruise Worldwide and Cruise Asia Only) Upon the Confinement in a Hospital outside Hong Kong of an Insured Person as a direct and unavoidable result of Bodily Injury or Sickness, The Company will pay an Insured Person a daily benefit of the amount stated in Section D(b) of the Schedule of Benefits for each day of Confinement, up to the Sum Insured stated in Section D(a) of the Schedule of Benefits. Extension: If, upon the completion of the Confinement of an Insured Person outside Hong Kong arising from Bodily Injury or Sickness, the Insured Person requires further Confinement for the same Bodily Injury or Sickness after the Insured Person s return to Hong Kong, The Company will pay the Insured Person a daily benefit in the amount stated in Section D(b) of the Schedule of Benefits for each day of further Confinement in Hong Kong, up to ninety (90) days after the Insured Person s return to Hong Kong or until the Sum Insured stated in Section D(a) of the Schedule of Benefits has been exhausted, whichever comes first. Special Condition to Section D: Payment of benefits under this Section D shall only be made after the Confinement ends. (ii) The Company s liability under Section D for all Confinement of an Insured Person shall not exceed the amount stated in Section D(a) of the Schedule of Benefits. (iii) Payment of benefits under this Section D shall be in addition to those payable under Section B Medical Expenses. Exclusions to Section D: This Section D does not cover: 1. Any Confinement which occurs more than ninety (90) days after the Insured Person returns to Hong Kong. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 14

16 Section E Burns Benefit If an Insured Person sustains Bodily Injury and is diagnosed by a Physican to have suffered from A Second Degree Burn or A Third Degree Burn, The Company will pay the percentage stated for the degree of burn in the Burns Table in this Section E of the Sum Insured stated in Section E of the Schedule of Benefits. Burns Table Percentage of Compensation A Second Degree Burn or A Third Degree Burn on Head: Equal to or greater than 8% 100% Equal to or greater than 5% but less than 8% 75% Equal to or greater than 2% but less than 5% 50% Body: Equal to or greater than 20% 100% Equal to or greater than 15% but less than 20% 75% Equal to or greater than 10% but less than 15% 50% Special Conditions to Section E: Where an Insured Person suffers more than one type of burn listed in the Burns Table in this Section E in the same Accident, The Company s liability under this Section E shall be limited to a single payment for the type of burn which, of all the types of burn actually suffered, attracts the largest percentage stated in the Burns Table in this Section E of the Sum Insured stated in Section E of the Schedule of Benefits. (ii) Payment of benefits under this Section E shall be in addition to those payable under Section A Personal Accident. Section F Personal Property Subject to a reduction or allowance for physical deterioration, depreciation or obsolescence, The Company will indemnify, at its absolute discretion, reinstate, repair or replace Personal Property, Camera, Laptop Computer and/or Sports Equipment lost, stolen or damaged during the Period of Insurance, up to the Sum Insured stated in Section F(a) of the Schedule of Benefits. Special Conditions to Section F: The local police or equivalent local law enforcement officials must be notified within twenty-four (24) hours of the occurrence of any Personal Property, Camera, Laptop Computer and/or Sports Equipment lost, stolen or damaged by the wilful act of a third party and which may give rise to a claim under this Section F. The written police report of such notification must also be provided to The Company. Failure to give the notice required or failure to provide the report required by this condition precedent will result in The Company having no liability under this Section F. (ii) If loss, theft or damage occurs in transit, the Public Conveyance carrier must be promptly notified of the loss or damage within twenty-four (24) hours of the discovery of the loss or damage. The written report by the Public Conveyance carrier of such notification must also be provided to The Company. Failure to give the notice required or failure to provide the report required by this condition precedent will result in The Company having no liability under this Section F of the policy. (iii) The Company s total liability under this Section F for all loss, theft or damage in connection with Personal Property, Camera, Laptop Computer and Sports Equipment during the Period of Insurance shall not exceed the Sum Insured stated in Section F(a) of the Schedule of Benefits. (iv) Where any item of lost, stolen or damaged Camera, Laptop Computer and Sports Equipment forms part of a pair or set, The Company s maximum liability for that item and that pair or set will be restricted to the corresponding amount stated in Section F(b)-F(c) of the Schedule of Benefits. (v) Where any item of lost, stolen or damaged Personal Property forms part of a pair or set, The Company s maximum liability for that item and that pair or set will be restricted to the amount stated in Section F(d) of the Schedule of Benefits. (vi) Upon any payment being made under this Section F, The Company shall be entitled to take and retain the benefit and value of any recovered or damaged Personal Property, Camera, Laptop Computer and/or Sports Equipment and to deal with salvage at its absolute discretion. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 15