Coverage Schedule of Benefits Morning Star TravelSafe Plus Maximum Limit (HK$) Worldwide Plan China Plan Cruise Plan 1. "Medical Expenses" Benefit 1 (

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2 Coverage Schedule of Benefits Morning Star TravelSafe Plus Maximum Limit (HK$) Worldwide Plan China Plan Cruise Plan 1. "Medical Expenses" Benefit 1 (inclusive of 1.1, 1.2 and 1.3) 1,000, ,000 1,200, Medical Expenses during the Journey 1,000, ,000 1,200,000 Sub-limit for Room and Board per day 3,000 3,000 3, Follow-up Medical Expenses in Hong Kong 100,000 50, ,000 Sub-limit for Chinese Medicine Practitioner Treatment Expenses 5,000 2,000 3,000 (Up to 1 visit per day) 200 per visit 1.3 Trauma Counselling 20,000 20,000 20,000 (Up to 1 visit per day) 2,000 per visit 2. "Overseas Hospital or Quarantine Cash Allowance" Benefit 2.1 Overseas Hospital Cash Allowance 10,000 N/A 10,000 (Limit per day) Compulsory Quarantine Cash Allowance 10,000 10,000 10,000 (Limit per day) "24-hour Worldwide Emergency Aid" 3.1 Emergency Evacuation 2 Unlimited 3.2 Repatriation to Hong Kong 2 Unlimited 3.3 Hospital Deposit Guarantee 2 40,000 40,000 40, Additional Costs of Travel and Accommodation (including Caring Visit) 50,000 20,000 50, Return of Unattended Dependent Children 40,000 15,000 40, Repatriation of Mortal Remains 2 Unlimited 3.7 Burial and Funeral Expenses 20,000 10,000 20, Referral Services Included 4. "Personal Accident" Benefit 4.1 Accident on Public Conveyance 3 1,000, ,000 1,200, Other Accidents 3 500, , , "Major Burns" Benefit 200, , , "Trip Cancellation" Benefit 50,000 5,000 80, Trip Re-arrangement Benefit (inclusive of 7.1 and 7.2) 50,000 5,000 80, Trip Curtailment 50,000 5,000 80, Re-routing 10, ,000 Sub-limit for additional accommodation expenses per day 2, , "Travel Delay" Benefit 8.1 Delay Coverage (8.1.1, or 8.1.3) Cash Allowance 1, ,500 (Limit for each period of 6 consecutive hours of delay) Additional Travel Expenses a) Public Conveyance Expenses for Delayed Departure 5,000 1,500 10,000 b) Overseas Accommodation Cost 2, , Cancellation of Journey 3,000 1,000 3, Special Allowance - Winding-Up of Airline 2,000 N/A 2, "Baggage Delay" Benefit 1, , "Baggage" Benefit 20,000 3,000 20,000 Sub-limit per article or per pair or per set - for sports equipment 5,000 3,000 5,000 - for other baggage 3,000 1,000 3, "Loss of Travel Documents" Benefit 4 20,000 2,000 20,000 Sub-limit for additional transportation and accommodation expenses per day 2, , "Personal Money" Benefit 4,5 3,000 1,000 3, "Loss of Home Contents" Benefit 10,000 3,000 25,000 Sub-limit per article or per pair or per set 5,000 1,000 5, "Personal Liability" Benefit 2,000, ,000 1,500, "Credit Card Protection" Benefit 30,000 N/A 30, Golfer "Hole-in-One" Benefit 3, , "Rental Vehicle Excess Protection" Benefit 5,000 N/A 5,000 CRUISE BENEFITS 18. "Cruise Cancellation and Interruption" Benefit 6,7 (18.1 or 18.2) 18.1 Cruise Cancellation 50,000 Sub-limit for change of port of call due to adverse weather condition 20, Cruise Interruption a) Additional Travel Expenses 50,000 b) Cash Allowance (up to 4 days) N/A 3,000 (Limit per day) "Post-Departure Cruise" Benefit 19.1 Shore Excursion Cancellation 10, Missed Port of Call Boarding after Shore Excursion 5, Cash Allowance for Arrival Delay to Final Destination 1, Satellite Phone Expenses 3, For an Insured Person Aged above 70, the maximum limit payable under Section 1 Medical Expenses Benefit shall be 50% of the limit applicable to the plan selected. 2. Require prior approval from Blue Cross (Asia-Pacific) Insurance Limited before any assistance or hospital admission deposit is guaranteed. 3. For an Insured Person Aged below 18 or above 70, the maximum limit payable under Section 4.1 Accident on Public Conveyance and Section 4.2 Other Accidents shall be HK$300,000 and HK$150,000 respectively. 4. If such loss occurs in China, the Insured Person is eligible to receive advance emergency cash assistance at designated branches of The Bank of East Asia (China) Limited. The maximum cash advances are HK$2,000/HK$500/HK$2,000 (or its equivalent amount in RMB) for the Worldwide Plan/China Plan/Cruise Plan respectively. Prior approval from Blue Cross (Asia-Pacific) Insurance Limited is required. 5. Personal Money Benefit is not applicable to Insured Person Age below If a claim under Section 18 Cruise Cancellation and Interruption Benefit is payable, no further claims shall be payable under Section 6 Trip Cancellation Benefit and Section 7 Trip Re-arrangement Benefit. 7. If a claim under Section 8.1 Delay Coverage is payable, no further claims shall be payable under Section 18 Cruise Cancellation and Interruption Benefit. For and on behalf of Blue Cross (Asia-Pacific) Insurance Limited Authorised Signature MC171/

3 TERMS AND CONDITIONS FOR MORNING STAR TRAVELSAFE PLUS INSURING CLAUSE The Policyholder, each Insured Person and the Company agree that: 1. this Policy and any endorsement attached to this Policy shall be read together as one contract; 2. the application, proposal (if applicable) and declaration that have been completed and provided to the Company are the basis of this contract and are deemed to be incorporated herein; 3. this Policy comes into force on the condition that the Policyholder has paid the premium specified in the certificate of insurance in full and the application has been approved by the Company; 4. the Company shall provide insurance subject to the limits, Terms, Conditions and Exclusions of this Policy; and 5. the due observance of the Terms, Conditions and any endorsements of this Policy relating to anything to be done or not to be done or to be complied with by every Insured Person or any other person claiming to be indemnified; and the truth of the contents of the application, proposal and declaration, shall be conditions precedent to any liability of the Company. TERRITORIAL SCOPE OF INSURANCE COVER All benefits in this Policy are subject to the respective territorial scope as follows: 1. If the Cruise or Worldwide plan is selected by the Policyholder, the Company will cover any Journey an Insured Person makes to any other countries from Hong Kong. 2. If the China plan is selected by the Policyholder, the Company will cover any Journey an Insured Person makes to China or the Macao Special Administrative Region of the People s Republic of China ( Macau ) from Hong Kong. DEFINITIONS The definitions below apply to the following words and phrases wherever they appear in this Policy unless the context otherwise requires: 1. Accident shall mean an event occurring entirely beyond one s control and caused by violent, external and visible means. 2. Act of Terrorist shall mean an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group of persons, whether acting alone or on behalf of or in connection with any organisation or government, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. 3. Age shall mean the age last birthday of the Insured Person on the commencement date of the Period of Insurance. Age less than 1 shall be considered as 1 under this Policy. 4. China shall mean the People s Republic of China, excluding Hong Kong and Macau. 5. Chinese Medicine Practitioner shall mean a Chinese medicine practitioner who is duly registered with the Chinese Medicine Council of Hong Kong pursuant to the Chinese Medicine Ordinance (Cap. 549 of the Laws of Hong Kong), but in no circumstance shall include the Insured Person, the Policyholder, an insurance intermediary, an employer, employee, Immediate Family Member or business partner of the Policyholder and/or the Insured Person. 6. Close Business Partner shall mean a business associate that has a share in the Insured Person s business. 7. Company shall mean Blue Cross (Asia-Pacific) Insurance Limited. 8. Compulsory Quarantine shall mean a compulsory quarantine in a Hospital or at a specific place appointed by the government. 9. Eligible Expenses shall mean those medical expenses necessitated by an Injury or a Sickness covered by this Policy and incurred on the recommendation of a Physician but shall not exceed the reasonable and customary charges for the same. Eligible Expenses shall not in any event exceed the actual charges incurred. 10. Fractured Leg or Patella with Established Non-union shall mean a complete break into 2 or more pieces of the patella or leg bone and the broken leg does not mend properly and function normally. This condition will last for the remainder of life of the Insured Person. 11. Hong Kong shall mean the Hong Kong Special Administrative Region of the People s Republic of China. 12. Hospital shall mean an establishment, duly constituted and registered as a hospital for the care and treatment of sick and injured persons as paying bed patients, having all of the following: a) facilities for diagnostic procedures and surgery; b) 24-hour nursing services rendered by registered nurses; and c) supervision of a Physician; and is not primarily a clinic; a place for alcoholics or drug addicts; a nursing, rest or convalescent home; or a home for the aged or similar establishment. 13. Hospital Confinement or Confined shall mean the status of staying in a Hospital as an in-patient for medical treatment upon the recommendation of a Physician for a minimum continuous period of 24 hours prior to discharge. 14. Household Contents shall mean all of the Insured Person s furniture, furnishings, home appliances, household and personal effects including household appliances hired to the Insured Person or the Insured Person s family members. 15. Immediate Family Member shall mean a person s Spouse, children, parents, brothers or sisters, grandparents, grandchildren, legal guardian or parents-in-law. 16. Infectious Disease shall mean any kind of infectious disease for which a pandemic alert is issued by the World Health Organisation. 17. Injury shall mean any bodily injury which (i) is caused by an Accident, (ii) solely and independently of any other cause, and (iii) (a) occasions the death of a person within 12 calendar months of the date of the Accident or (b) necessitates medical and/ or surgical treatment. 18. Insured Person shall mean any person named as an Insured Person in the certificate of insurance or the subsequent endorsement to this Policy. 19. Journey shall mean the trip taken by an Insured Person, which shall commence when the Insured Person completes the immigration departure clearance procedure at Hong Kong on or after the commencement date of the Period of Insurance specified in the certificate of insurance for the purpose of commencing such trip and ends (a) on the last day of the Period of Insurance specified in the certificate of insurance or (b) when the Insured Person completes the immigration arrival clearance procedure for returning to Hong Kong after such trip, whichever is earlier. 20. Loss of Hearing shall mean the total and irrecoverable loss of hearing for all sounds of both ears at above 80dB measured as follows: 1/6 of (a+b+c+d) > 80dB where: a = hearing loss at 500 Hertz b = hearing loss at 1,000 Hertz c = hearing loss at 2,000 Hertz d = hearing loss at 4,000 Hertz and a, b, c and d is expressed in units of decibel (db). 21. Loss of Limb shall mean the permanent and irrecoverable loss by physical severance at or above the wrist or ankle joint. 22. Loss of Sight shall mean the entire, permanent and irrecoverable loss of sight. 23. Loss of Speech shall mean the disability in articulating any three of the four sounds which contribute to the speech such as the labial sounds, the alveololabial sounds, the palatal sounds and the velar sounds or total loss of vocal cord or damage of speech centre in the brain resulting in aphasia. 24. Loss of Thumb, Finger or Toe shall mean complete severance through or above the metacarpophalangeal joints or metatarsophalangeal joints of the thumb, finger or toe. 25. Loss of Use shall mean a total functional disablement. 26. Money shall mean cash, currency note, coins, cheques, postal orders, bankers drafts, travellers cheques, travel tickets, saving certificates, stamps, gift tokens/coupon and cash coupon. 27. Period of Insurance shall mean the period of time specified in the certificate of insurance during which this Policy is effective. 28. Permanent Total Disablement shall mean a total disablement caused by an Accident that prevents an Insured Person from attending to his normal occupation for a minimum of 52 consecutive weeks and is certified by a Physician acceptable to the Company at the expiration of the said period to be a condition that will permanently and totally disable the Insured Person from engaging in any gainful occupation and that such condition is beyond any hope of improvement. Upon certification by a Physician, a Permanent Total Disablement shall be deemed to have commenced on the first day of the said 52-week period. 29. Physician shall mean a medical practitioner who is (i) duly registered with the Medical Council of Hong Kong pursuant to the Medical Registration Ordinance (Cap. 161 of the Laws of Hong Kong) or in relation to jurisdictions outside of Hong Kong, a body of equivalent standing, and (ii) legally authorised for rendering medical and surgical service as a practitioner of western medicine in the locality where the treatment is provided to the Insured Person, but in no circumstance shall include the Insured Person, the Policyholder, an insurance intermediary, an employer, employee, Immediate Family Member or business partner of the Policyholder and/or the Insured Person(s). 30. Policy shall mean and refer to the entire policy contract among the Policyholder, the Insured Person(s) and the Company including these Terms and Conditions, the Schedule of Benefits, the certificate of insurance issued hereunder and any endorsements thereto together with the application, proposal, declaration and/or beneficiary designation form submitted or made by the Policyholder or the Insured Person(s) or his/their authorised representatives. 31. Policyholder shall mean the person named as certificate holder in the certificate of insurance or as Policyholder in the subsequent endorsement to this Policy. 32. Port of Disembarkation shall mean the port at which a passenger leaves the cruise ship for the purpose of ending the cruise tour. 33. Prescribed Medicines and Drugs shall mean any medicine or drug for which a Physician s prescription has been issued and has been dispensed in a Physician s clinic or by a licensed pharmacist in respect of treatment covered under this Policy. 34. Public Conveyance shall mean all common public transport carriers which are mechanically propelled and are licensed to carry passenger for hire by the relevant authorities but exclude a contractor, chartered or private carriers, aircraft other than multi-engine fixed-wing aeroplane, and any other carriers which are operated primarily for sight-seeing service and amusement of the passenger. 35. Schedule of Benefits shall mean a schedule of benefits incorporated in this Policy, which sets out the maximum limits and sub-limits of the covered benefit items that shall be payable under this Policy. 36. Serious Bodily Injury or Serious Sickness shall mean an Injury or Sickness which requires treatment by a Physician, and which condition is certified by a Physician as being dangerous to life. Where an Insured Person or a Travel Companion is concerned, the Physician shall also certify that he is unfit to travel or continue with the Journey. 37. Sickness shall mean a condition marked by a deviation from the normal healthy state of human being. 38. Spouse, in relation to a married person, shall mean the husband or wife of that person by a lawful marriage. 39. Travel Companion shall mean the person travelling with an Insured Person for the whole Journey. POLICY BENEFITS Note: All benefits payable to an Insured Person (or his legal representative) pursuant to Sections 1-19 below are subject to the maximum limits and sub-limits as stated in the Schedule of Benefits for the plan selected by the Insured Person, AND subject to the Terms, Conditions and Exclusions of this Policy. SECTION 1 Medical Expenses Benefit 1.1 Medical Expenses during the Journey The Company will reimburse the Eligible Expenses reasonably incurred by the Insured Person for the hospitalisation, surgery, ambulance and paramedic services, diagnostic tests, consultation by Physicians and Prescribed Medicines and Drugs arising from the Injury sustained or Sickness contracted by the Insured Person during the Journey: Room and Board Where Eligible Expenses for hospitalisation are payable under this section, the sub-limit for Room and Board shall apply. For the purpose of this section, Room and Board shall mean hospital accommodation charges including meals and general nursing services reasonably incurred by the Insured Person who is registered as an in-patient in a Hospital. MC171/

4 1.2 Follow-up Medical Expenses in Hong Kong The Company will also pay a claim under this benefit for the Eligible Expenses reasonably incurred by the Insured Person in Hong Kong within 90 days after his return from the Journey for the continuation of medical treatment by a Physician, provided that (i) Hong Kong is the final destination of the Journey and (ii) the medical treatment for such Injury or Sickness has first been sought from a Physician during the Journey. Chinese Medicine Practitioner Treatment Expenses The Follow-up Medical Expenses in Hong Kong benefit shall cover treatment received from a Chinese Medicine Practitioner in Hong Kong, including Chinese bone-setting and acupuncture. 1.3 Trauma Counselling In the event that the Insured Person is diagnosed as suffering from a post-traumatic stress disorder (notwithstanding General Exclusion 3(e)) by a Physician as a direct result of his being a victim or eye-witness with first-hand information of a Serious Bodily Injury, armed robbery, fire, explosion, natural disaster, hijack or Act of Terrorist occurred during the Journey and requiring counselling service from a registered psychiatrist or registered clinical psychologist, the Company will pay the reasonable and necessary medical expenses incurred for such counselling service (i) during the Journey; and/or (ii) in Hong Kong within 90 days after the Insured Person s return from the Journey. Notwithstanding anything to the contrary, in respect of an Insured Person who is over 70 years of Age, the maximum amount of benefit payable under this section shall be limited to 50% of the benefit limit applicable to the Medical Expenses Benefit stated in the Schedule of Benefits of this Policy. Exclusions Applicable to Section 1 1. any expenses related to the additional cost of a single or private room at Hospital or charges in respect of special or private nursing; wheelchair, crutch or any other similar equipment; 2. any expenses related to cosmetic surgery, apparatus to correct visual acuity or refractive error, contact lenses, glasses or hearing aids, prosthesis, and medical equipment, appliances and accessories; 3. any expenses related to psychiatric, psychological disorder, mental or nervous disorders (including any related primary/basic signs and symptoms) (not applicable to Section 1.3 (Trauma Counselling)); 4. any expenses related to (i) treatment or services undertaken without the recommendation of a Physician; (ii) routine physical examinations or (iii) health checkups not incidental to the treatment or diagnosis of a suspected Injury or Sickness sustained during the Journey; 5. any medical expenses incurred 180 days after the date on which the Injury or Sickness is sustained or contracted; or 6. any medical expenses related to travel taken contrary to the advice of a medical practitioner or where the Journey is for the purpose of receiving medical or surgical treatment. SECTION 2 Overseas Hospital or Quarantine Cash Allowance Benefit 2.1 Overseas Hospital Cash Allowance Provided that the Medical Expenses benefit under Section 1.1 is payable, the Company will also pay a cash allowance for each complete day (i.e. a continuous period of 24 hours) of the Insured Person s Hospital Confinement during the Journey. 2.2 Compulsory Quarantine Cash Allowance The Company will pay a cash allowance for each complete day (i.e. a continuous period of 24 hours) of Compulsory Quarantine imposed on the Insured Person during the Journey or within 7 days after his return to Hong Kong for reason of being suspected of suffering from or confirmed to have infected with an Infectious Disease. Exclusions Applicable to Section 2 The Company shall not be liable under this section: 1. for any dwelling quarantine; 2. if the planned destination has been declared as an infected area by the local government and/or the World Health Organisation on or before the commencement date of the Period of Insurance; or 3. if the confinement or quarantine period is less than a continuous period of 24 hours. SECTION 3 24-hour Worldwide Emergency Aid Emergency Medical Assistance - If the Insured Person suffers Serious Bodily Injury or Serious Sickness during the Journey, the Insured Person or his representative may contact 24-hour Worldwide Emergency Aid hotline for the following services, provided that such Journey is not undertaken (i) against medical advice or (ii) for the purpose of seeking or obtaining any medical treatment abroad, or resting and recuperation following any accident or illness prior to the Journey. 3.1 Emergency Evacuation If the Insured Person s condition must require immediate medical treatment which is not available in the place of Accident or Sickness, emergency evacuation to the nearest appropriate medical facility will be arranged. 3.2 Repatriation to Hong Kong Necessary repatriation of the Insured Person to the medical facility in Hong Kong by scheduled airline flight or other appropriate means of transportation can be arranged, provided that (i) the Insured Person s original travel ticket is not valid for travel, (ii) the Insured Person shall surrender any unused portion of his travel ticket to the Company and (iii) the fare class of the scheduled Public Conveyance shall not exceed the fare class of the original travel ticket of the Insured Person. Any decision in relation to repatriation, in particular, whether a repatriation is necessary, shall be made jointly and exclusively by both the attending Physician and the Company. 3.3 Hospital Deposit Guarantee The Company will guarantee or provide hospital admission deposit to the Hospital on behalf of the Insured Person, provided that (i) any payment made hereunder shall be deducted from the Medical Expenses Benefit payable under Section 1 of this Policy and (ii) the Policyholder and/or the Insured Person must repay the Company any hospital admission deposit which cannot be offset by the benefit payable within the period of time requested by the Company. Under all circumstances the Insured Person shall settle the full payment of the medical expenses directly with the Hospital prior to his discharge, including hospital admission deposit guaranteed by the Company. 3.4 Additional Costs of Travel and Accommodation (including Caring Visit) a) Additional Costs of Travel and Accommodation The Company will reimburse additional costs of economy class travel returning to Hong Kong for the Insured Person and additional costs of accommodation reasonably incurred by the Insured Person, when such costs arise from Serious Bodily Injury or Serious Sickness necessitating medical treatment of the Insured Person. b) Caring Visit In the event of death or Hospital Confinement for over 3 consecutive days of the Insured Person during the Journey, the Company will reimburse the additional accommodation and travelling expenses reasonably incurred by the following person: (i) two Immediate Family Members to join the Insured Person; or (ii) one Immediate Family Member and one Travel Companion to join the Insured Person or to stay behind to take care of the Insured Person. 3.5 Return of Unattended Dependent Children The Company will reimburse additional accommodation and travelling expenses reasonably incurred for returning to Hong Kong of the Insured Person s dependent child under the Age of 18 who is left unattended overseas as a result of the Serious Bodily Injury, Serious Sickness or hospitalisation of the Insured Person. 3.6 Repatriation of Mortal Remains The Company will reimburse the transportation charges reasonably incurred for the repatriation of the mortal remains of the Insured Person to Hong Kong. 3.7 Burial and Funeral Expenses The Company will reimburse the burial and funeral expenses reasonably incurred during the Journey or within 180 days of the end of the Journey for the necessary burial and funeral formalities if the Insured Person passes away as a result of Serious Bodily Injury or Serious Sickness suffered during the Journey. 3.8 Referral Services Upon request of the Insured Person or his representative, referral services for legal assistance, interpreter and replacement of lost travel document or travel pass will be provided through the 24-hour Worldwide Emergency Aid hotline. Exclusions Applicable to Section 3 1. any expenses incurred after 180 days of the date on which the Serious Bodily Injury or Serious Sickness is sustained or contracted (except for expenses under sub-clause 3.7 (Burial and Funeral Expenses)); or 2. any benefits under sub-clauses 3.1, 3.2, 3.3 and 3.6 of this section if the Company s prior approval has not been obtained by the Insured Person or his representatives before any assistance is provided or payment of deposits is guaranteed. Procedure: The Insured Person or his representative shall call the following 24-hour Worldwide Emergency Aid hotline for the services set out in this section. Tel: (852) Fax: (852) The party making such call will be required to provide the insurance certificate number as shown in the certificate of insurance, the name and Hong Kong Identity Card or Passport number of the Insured Person, the nature and the location of the emergency and his contact details. After validation, the services under the 24-hour Worldwide Emergency Aid will be provided. Limitations to Liabilities 1. All service providers rendering services to the Insured Person under this section (including but not limited to the emergency assistance provider, physicians, and hospitals) (the Service Providers ) are not employees, agents or servants of the Company. Accordingly, the Service Providers shall be responsible for their own acts, and the Insured Person shall not have any recourse or claim against the Company in connection with any services rendered by the Service Providers. 2. The Company assumes no liability in any manner and shall not be liable for any loss arising out of or howsoever caused by any advice given or services rendered by or any acts or omissions of any Service Providers. 3. The Company and the Service Providers shall not be held responsible for any failure to provide the 24-hour Worldwide Emergency Aid services and/or delays if caused by or contributed to by acts of God, or any circumstances and conditions beyond their control, including but not limited to, any administrative, political or government impediment, strike, industrial action, riot, civil commotion, or any form of political unrest (including but not limited to war, terrorism, insurrection), adverse weather condition, flight conditions or situations where the rendering of such service is prohibited or delayed by local laws, regulators or regulatory agencies. 4. In no event shall the Company be liable under this section or in the course of the provision of the 24-hour Worldwide Emergency Aid services, for any incidental, special, consequential or indirect loss, damages, costs, charges, fees or expenses. 5. The Company may cancel this 24-hour Worldwide Emergency Aid services by giving 30 days prior notice to the Policyholder or Insured Person at the address last known to the Company. 6. The use of the 24-hour Worldwide Emergency Aid services is of the Insured Person s own accord. The Company shall not be liable for any loss or liabilities arising from such use. SECTION 4 Personal Accident Benefit The Company will pay the benefits in Section 4.1 (Accident on Public Conveyance) and 4.2 (Other Accidents) below according to the table of benefits as shown in this section (the Table of Benefits ) in the event that an Accident during the Journey results in the death or any Permanent Disablement of an Insured Person as listed in the Table of Benefits within 12 months from the date of the Accident, provided that the maximum limit for the benefits under Section 4.1 and Section 4.2 for an Insured Person under the Age of 18 or over the Age of 70 shall be HK$300,000 and HK$150,000 respectively. 4.1 Accident on Public Conveyance The Company will pay this benefit according to the limit for each insured event set out in the Table of Benefits if the insured event occurs while the Insured Person is travelling as a fare-paying passenger on board a Public Conveyance or a mechanical propelled vehicle or vessel arranged by the travel agency, provided that no benefit will be payable under this subsection in any of the following circumstances: a) the Insured Person has made any statement that disclaims or discharges the MC171/

5 liability of the Public Conveyance provider; or b) the mechanical propelled vehicle or vessel is driven by a Travel Companion, a tour member, or any person who is not registered and qualified to do so. 4.2 Other Accidents The Company will pay this benefit according to the limit for each insured event set out in the Table of Benefits if an accident, other than an accident covered under Section 4.1 (Accident on Public Conveyance) above, occurs resulting in any insured event set out in the Table of Benefits. For the avoidance of doubt, a claim can only be made under either Section 4.1 (Accident on Public Conveyance) or Section 4.2 (Other Accidents) in respect of the same accident. Table of Benefits Insured Events Benefit Limit for Each Insured Event* 1. Accidental death 100% 2. Permanent disablement (2.1 to 2.18) 2.1 Permanent Total Disablement 100% 2.2 Permanent and incurable paralysis of all limbs 100% 2.3 Permanent total Loss of Sight of both eyes 100% 2.4 Permanent total Loss of Sight of one eye 50% 2.5 Loss of or permanent total Loss of Use of two Limbs 100% 2.6 Loss of or permanent total Loss of Use of one Limb 50% 2.7 Permanent total Loss of Speech and Hearing 100% 2.8 Permanent total Loss of Hearing in a) both ears 75% b) one ear 15% 2.9 Permanent total Loss of Speech 50% 2.10 Permanent total loss of the lens of one eye 30% 2.11 Removal of the lower jaw by surgical operation 30% 2.12 Loss of or permanent total Loss of Use of Thumb and four Fingers of a) right hand 70% b) left hand 50% 2.13 Loss of or permanent total Loss of Use of four Fingers of a) right hand 40% b) left hand 30% 2.14 Loss of or permanent total Loss of Use of one Thumb as particularised below: a) both right joints 30% b) one right joint 15% c) both left joints 20% d) one left joint 10% 2.15 Loss of or permanent total Loss of Use of a Finger as particularised below: a) three right joints 10% b) two right joints 7.5% c) one right joint 5% d) three left joints 7.5% e) two left joints 5% f) one left joint 2% (In the event that the Insured Person is left-handed, the applicable percentages for left and right hands as shown in 2.12 to 2.15 shall be reversed.) 2.16 Loss of or permanent total Loss of Use of Toes as particularised below: a) all toes of one foot 15% b) both joints of a great toe 5% c) one joint of a great toe 3% d) each toe other than a great toe 2% 2.17 Fractured Leg or Patella with Established Non-Union 10% 2.18 Shortening of leg by at least 5 cm 7.5% *The benefit limit is a percentage of the applicable maximum limit of the Personal Accident Benefit as set out in the Schedule of Benefits of this Policy. The benefit payable under this section is subject to the following conditions: 1. The total benefit payable under this section shall not exceed 100% of the maximum limit payable for Section 4.1 (Accident on Public Conveyance) regardless of the number of insured event occurred to the Insured Person during the Journey. 2. The total benefit payable under this section in respect of Injury to more than one portion of a limb or body part during a Journey shall not exceed the benefit limit payable in respect of the whole of that limb or body part. 3. For the avoidance of doubt, if benefit under this section is payable for an insured event in respect of permanent disablement occurred to a body part, no other benefits shall be payable in respect of such permanent disablement under this section. Extension of Personal Accident Benefit The benefit under this section is extended to cover an Accident, which has led to an insured event, occurred to the Insured Person when he is travelling on a direct route: a) from his residence or regular place of employment in Hong Kong to the immigration departure clearance control point within 3 hours prior to the scheduled time of departure of the arranged Public Conveyance for the purpose of commencing the Journey (notwithstanding that the Period of Insurance has yet to commence); or b) from the immigration arrival clearance control point to his residence or regular place of employment in Hong Kong within 3 hours of the scheduled time of arrival of the arranged Public Conveyance upon completion of the Journey (notwithstanding that the Period of Insurance has expired so long as the arrival falls within the 10-day automatic extension period of this Policy on account of any unavoidable delay as stipulated in General Condition 3 below). For the purpose of this section, if the whereabouts of the Insured Person cannot be located within 1 year after the date of the disappearance, sinking or wrecking of an aircraft or other conveyance in which he is travelling either on land or at sea during the Journey, it will be presumed that the Insured Person has suffered an accidental death. Exclusion Applicable to Section 4 The Company shall not be liable for any loss caused by an Injury which is a consequence of any kind of Sickness. SECTION 5 Major Burns Benefit The Company will pay this benefit if an Insured Person suffers any third-degree burn (i.e. destruction of the skin to its full depth and damage to the tissues beneath with burnt areas equal or greater than 5% of the Insured Person s head or 10% of the Insured Person s total body surface area) arising from an Accident during the Journey, provided that the assessment of the burns is certified by a Physician with medical reports and full diagnosis. Such benefit can only be claimed once during the Journey. SECTION 6 Trip Cancellation Benefit The Company will reimburse the deposits or any payment made in advance for an Insured Person s travel tickets, accommodation expenses, tour package or admission tickets to any major sporting event, musical, concert, museum or theme park (collectively the Travel Arrangement ) which are forfeited and irrecoverable from the relevant parties upon cancellation of the Journey prior to departure from Hong Kong as a direct result of the following events: 1. death, Serious Bodily Injury or Serious Sickness of the Insured Person or his Immediate Family Member, Close Business Partner or Travel Companion*; 2. duty to comply with a witness summons, jury service or compulsory quarantine; 3. natural disaster, Infectious Disease, unanticipated outbreak of industrial action involving the arranged Public Conveyance, Act of Terrorist, riot or civil commotion (notwithstanding General Exclusion 3(c)) occurred at the planned destination of the Journey within 7 days before the scheduled departure date of the Journey which prevents the Insured Person from commencing the Journey; or 4. severe damage to the Insured Person s principal home in Hong Kong arising from fire or flood occurred within 10 days before the scheduled departure date of the Journey. The benefit payable under this section is subject to the following conditions: 1. With respect to the events prescribed in sub-paragraphs 1 to 4 above, this benefit is payable only if the relevant event takes place 24 hours after the issue of this Policy. 2. With respect to the events prescribed in sub-paragraphs 1 and 2 above, this benefit is payable only if the relevant event takes place within 90 days prior to the commencement date of the Period of Insurance and an order or notice of compliance is issued to the Insured Person 24 hours after the issue of this Policy. 3. The Insured Person shall surrender all of his original unused travel and admission tickets to the Company. 4. Once a claim is made under this section, no other benefits shall be payable and all coverage under this Policy shall cease. Exclusions Applicable to Section 6 1. any loss arising from death, Serious Bodily Injury or Serious Sickness of a Travel Companion if for the purpose of Journey, he is a travel agent or tour escort or tour leader or tour organiser for remuneration; or 2. any loss arising from the failure to notify the travel agent or provider of the transport or accommodation services immediately after cancellation of the Journey as a result of the events prescribed under this section. *Save for exclusion (1) of this section, Travel Companion in this Section 6 shall mean a Travel Companion (having the meaning ascribed to it in the Definition section of this Policy) whose absence from the Journey will, within the reasonable contemplation of the Company, result in the abortion of the Journey. SECTION Trip Curtailment Trip Re-arrangement Benefit If, and only if, as a direct result of the following events, the Journey is interrupted and curtailed after its commencement and an Insured Person is inevitably required to return to Hong Kong, the Company shall pay the benefit under this section: 1. death, Serious Bodily Injury or Serious Sickness of the Insured Person or his Immediate Family Member, Close Business Partner or Travel Companion*; 2. hijack of an aircraft or conveyance or any mechanical propelled vehicles and vessels arranged by a travel agent in which the Insured Person is travelling as a fare-paying passenger; or 3. any adverse weather condition, natural disaster, Infectious Disease, unanticipated outbreak of industrial action involving the arranged Public Conveyance, Act of Terrorist, riot or civil commotion (notwithstanding General Exclusion 3(c)) at the planned destination of the Journey which prevents the Insured Person from continuing with the Journey. Under this benefit, the Company will pay, on a pro-rata basis for each complete day of the Journey which is interrupted, for (i) the loss of the prepaid and unused portion of the Travel Arrangement which is forfeited and irrecoverable from the relevant parties and (ii) the reasonable additional travelling expenses incurred by the Insured Person to MC171/

6 return to Hong Kong direct by means of a Public Conveyance (such expenses shall not exceed the economy class fare of the Public Conveyance). The Insured Person shall surrender any original unused portion of travel and admission tickets to the Company if they are no longer valid for travel. 7.2 Re-routing On the condition that the Insured Person has confirmed the itinerary before the commencement of the Journey and the Journey has to be re-routed after its commencement as a direct result of adverse weather condition, natural disaster, Infectious Disease, unanticipated outbreak of industrial action involving the arranged Public Conveyance, Act of Terrorist, riot or civil commotion (notwithstanding General Exclusion 3(c)), which prevents the Insured Person from continuing his original itinerary, the Company will reimburse the additional travelling and accommodation expenses (less any prepaid expenses of unused accommodation recovered from the relevant accommodation providers) reasonably and inevitably incurred by the Insured Person solely for the purpose of continuing his Journey to the original planned destination, provided that: (i) the Insured Person shall have secured a confirmed advanced booking of travel tickets and accommodation prior to the Journey; and (ii) the Insured Person shall surrender any original unused portion of travel tickets to the Company if they are no longer valid for travel. For the avoidance of doubt, a claim can only be made once under either Section 7.1 (Trip Curtailment) or Section 7.2 (Re-routing) in respect of the same cause. The total benefit payable under Section 7.1 (Trip Curtailment) and Section 7.2 (Rerouting) shall not exceed 100% of the maximum limit payable for Section 7 Trip Rearrangement Benefit. iii) once a claim is made under this Section 8.1.3, no other benefits shall be payable and all coverage under this Policy shall cease. 8.2 Special Allowance Winding up of Airline The Company will reimburse under this section the additional expenses reasonably incurred by the Insured Person for purchasing an alternative travel ticket if the Insured Person has prepaid for an air ticket of an airline which publicly announces its windingup prior to the Journey. Exclusions Applicable to Section 8 1. any delay arising from an act of omission on the part of the Insured Person, including his failure to check in or arrive at the departure gate at the scheduled time suggested by the Public Conveyance provider or immigration clearance control point; 2. the Insured Person s failure to secure a confirmed advanced booking of travel tickets prior to the occurrence of a Covered Delay; 3. any delay arising from the Insured Person s refusal or failure to take the first available alternative transportation offered by the relevant Public Conveyance provider; or 4. any delay the cause of which exists or is known to exist, or an announcement contemplating such cause of delay (such as information about the hoisting of any typhoon signal) has been made by the carrier, tour operator, the observatory or the authorities before the issue date of this Policy. For the avoidance of doubt, in case where the Insured Person is eligible to make a claim under both Section 7 Trip Re-arrangement Benefit and Section 8 Travel Delay Benefit in respect of the same cause, the Company will only pay the benefit of a higher payable amount. Exclusions Applicable to Section 7 1. any loss and expenses arising from death, Serious Bodily Injury or Serious Sickness of a Travel Companion if he is travelling in the capacity of a travel agent, tour escort, tour leader or tour organiser for remuneration; 2. any loss and expenses arising from the operation of an aircraft, a mechanical propelled vehicle or vessel by a Travel Companion or a tour member; or 3. any loss arising from the failure to give immediate notice to the travel agent or provider of the transport or accommodation services of the curtailment of the Journey as a result of the events prescribed under this section. *Save for exclusions (1) and (2) of this section, Travel Companion in this Section 7 shall mean a Travel Companion (having the meaning ascribed to it in the Definition section of this Policy) whose absence from the Journey will, within the reasonable contemplation of the Company, result in the abortion of the Journey. SECTION 8 Travel Delay Benefit 8.1 Delay Coverage The Company will pay the benefits under Sections (Cash Allowance), (Additional Travel Expenses) or (Cancellation of Journey) stated below in the event that the arranged Public Conveyance, in relation to the scheduled time of departure or arrival, is delayed by the respective length of time specified below due to adverse weather condition, natural disaster, unanticipated outbreak of industrial action involving the arranged Public Conveyance, riot or civil commotion (notwithstanding General Exclusion 3(c)), Act of Terrorist, closure of the airport, hijack or mechanical breakdown of the arranged Public Conveyance (each a Covered Delay ). With respect to a Covered Delay in relation to departure of a Public Conveyance, the period of delay is counted from the originally scheduled time of departure of the arranged Public Conveyance to the actual departure time of the arranged Public Conveyance or first available alternative transportation offered by the relevant Public Conveyance provider. In the event that the arranged Public Conveyance for commencing the Journey is cancelled or delayed due to mechanical breakdown and the provider of such arranged Public Conveyance is unable to provide the Insured Person with an alternative transportation, a claim can only be made once under this Section 8 for either the Cash Allowance Benefit under Section or the Cancellation of Journey Benefit under Section in respect of the same cause. No Additional Travel Expenses Benefit under Section shall be payable in such circumstances Cash Allowance The Company will pay a cash allowance for each and every 6 consecutive hours of a Covered Delay, provided that no other benefits under this Section 8.1 (Delay Coverage) shall be payable Additional Travel Expenses a) Public Conveyance Expenses for Delayed Departure The Company will reimburse the additional Public Conveyance expenses reasonably and inevitably incurred by the Insured Person for taking alternative means of transport of the same fare class as originally selected by the Insured Person as a direct consequence of a Covered Delay of at least 6 consecutive hours from the scheduled time of departure. b) Overseas Accommodation Cost The Company will reimburse the additional accommodation expenses reasonably and inevitably incurred overseas by the Insured Person as a direct result of: i) a Covered Delay of at least 6 consecutive hours; or ii) the Insured Person s failure to catch a prepaid connecting Public Conveyance according to his itinerary as a direct consequence of a Covered Delay Cancellation of Journey In the event that the scheduled departure time of the arranged Public Conveyance from Hong Kong is delayed by at least 10 consecutive hours directly resulting in the Insured Person s failure to proceed with the Journey or cancellation of the Journey, the Company will reimburse the deposits or any payment made in advance for the travel tickets, accommodation or tour packages which are forfeited and irrecoverable from the relevant parties, provided that: i) such delay is a Covered Delay; ii) the Insured Person shall surrender all of his original unused travel tickets to the Company; and SECTION 9 Baggage Delay Benefit The Company will pay a cash allowance if an Insured Person s baggage has been misdirected or delayed by the Public Conveyance provider and is not returned to the Insured Person within 6 hours from the time of arrival at a destination overseas. Exclusions Applicable to Section 9 1. any delay which is caused by detention or confiscation by customs or other law enforcing officials; 2. any loss of baggage which is covered under Section 10 Baggage Benefit below; 3. any loss which occurs after the Insured Person has returned to Hong Kong or reached his final destination; or 4. any of the Insured Person s baggage, souvenir or any other item which is either separately mailed or shipped by the Insured Person, or intentionally arranged to be carried by a Public Conveyance other than the one the Insured Person is on board. SECTION 10 Baggage Benefit A Baggage Benefit is payable if the personal properties owned by an Insured Person, including tablet computers (of screen size 7 inches or above measured diagonally) and laptop computers but excluding Money (the Baggage and Item ), are lost, physically broken or damaged during the Journey as a direct result of theft, robbery, burglary, accident or mishandling by carriers. The Company will pay, at its option, the loss or damage up to the benefit limit, or the reasonable cost of repair or replacement of the lost or damaged Baggage and Item (less depreciation in value, if applicable, and such depreciation shall be applied at the sole discretion of the Company) up to the benefit limit under this section, provided that: 1. the Insured Person shall take reasonable precautions to safeguard the Baggage and Item, including but not limited to making sure that the Baggage and Item will not be left unattended in a public place; and 2. the damaged Baggage and Item must be examined by the Insured Person upon receipt from the carrier. Exclusions Applicable to Section loss or damage in consequence of delay, confiscation, detention or examination by customs authorities or other officials; 2. loss of or damage to Money, negotiable instruments, bonds or securities, deeds, credit cards, stored-value devices (such as Octopus cards and other prepaid electronic tickets) and other instruments of payment or documents of any kind, passports, visas, and transportation, accommodation or any other travel vouchers or coupons; 3. loss of or damage to the following properties: pager, mobile phone (including smartphone and personal digital assistant (PDA) phone) and its software and accessories, computer software and accessories, fragile or brittle articles of every description, china, glassware, porcelains, objects of art, set and unset precious or semiprecious gemstones or foodstuff, business merchandises or samples, motorcycles, bicycles and any other conveyance, household furniture, jewellery and watches (unless the loss of jewellery and watches takes place while they are being worn by the Insured Person or stored in a hotel safety deposit box); 4. loss or damage caused by wear and tear, moth, vermin or inherent vice, mechanical, electrical or electronic breakdown or derangement, faulty design or workmanship, cleaning, repairing or restoring process, atmospheric or climatic changes; 5. loss of or damage to any Baggage and Item that is left behind or unattended in a Public Conveyance or vehicle of any other kind or in a public place or as a result of the Insured Person s failure to take due care and precautions for the safeguard and security of such Baggage and Item; 6. loss of or damage to the Insured Person s Baggage and Item or souvenir which is either separately mailed or shipped by the Insured Person, or intentionally arranged to be carried by a Public Conveyance other than the one the Insured Person is on board; 7. any unexplained loss or mysterious disappearance of the Baggage and Item; 8. loss of or damage to any Baggage and Item while in the custody of a carrier, unless the Insured Person reports immediately in writing to the carrier, or in the event that the carrier is an individual to his employer, within 24 hours upon discovery, who must acknowledge receipt of such report and, in the event of loss or damage occurred on an airline flight, a Property Irregularity Report must be obtained; 9. any loss not reported to the local police within 24 hours upon discovery of loss; or 10. any claim for damaged personal property unless the Insured Person can produce the personal property for inspection by the Company. 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