JourneySafe International

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1 Sunflower TravelPlus Insurance Plan Travel Insurance Terms and Conditions In consideration of the payment of premium and subject to the definitions, exclusions, limitations, provisions and terms contained herein, endorsed hereon, or attached hereto, AIG Insurance Hong Kong Limited (hereinafter called "the Company ) agrees to provide insurance to the Person(s) bearing the policy number named in the Receipt/Official Receipt issued in relation to a Journey that commenced and occurred between the Departure Date and Return Date subject to the terms and conditions of this Policy (hereinafter called "insured Journey") and promises to pay indemnity for loss to the extent provided herein. The Receipt/Official Receipt refers to the Receipt/Official Receipt provided by Sunflower Travel Service Ltd. (hereinafter called "the Travel Agent") to the Insured Person with a policy number and shall together constitute proof of insurance. The Receipt/Official Receipt, Travel Insurance Terms and Conditions and endorsements (if any), shall constitute the entire contract of insurance (hereinafter called the "Policy"). This insurance is only valid for conventional vacation or business trips (administrative duty only) and shall not apply to persons undertaking expeditions, treks or similar journeys. Subject to the terms and conditions outlined herein, coverage in relation to each benefit is provided up to the Maximum Benefit outlined in the Schedule of Benefits for either the Global Plan or the South China & Macau Plan. The Global Plan may be purchased for any Journey. Either the Global Plan or the South China & Macau Plan may be purchased for any Journey to Fujian, Guangdong, Guangxi, Hunan Province add/or Macau which is for 14 days or less. SCHEDULE OF BENEFITS Maximum Benefit (HK$) Global Plan South China & Benefits Macau Plan Section 1 Emergency Medical Assistance 1a. Emergency Medical Evacuation Unlimited Unlimited 1b. Repatriation of Remains Unlimited Unlimited Section 2 Emergency Medical Expenses 1,000, ,000 2a. Medical Expenses 1,000, ,000 Follow up Medical Expenses sub-limit: 50,000 50,000 Physiotherapist treatment for follow-up treatments sub-limit: 5,000 5,000 Chinese Medicine Practitioner and Chiropractors treatment for follow-up treatments sub-limit: $200 per visit per day up to $3,000 $200 per visit per day up to $3,000 2b. Compassionate Visit 20,000 5,000 Section 3 Personal Accident 3a. Accident while in a Common Carrier 1,000, ,000 3b. Other Accidents 500, ,000 (aged under 17 or over 75 years, maximum benefit is HK$150,000) Section 4 Baggage and Personal Effects Sub-limit per article/ pair/ set of articles: 10,000 3,000 Section 5 Baggage Delay 500 N/A Section 6 Personal Money and Documents 10,000 3,000 6a. Loss of Travel Document sub limit 10,000 3,000 6b. Personal Money sub limit 1,000 1,000 Section 7 Journey Cancellation and Interruption 7a. Journey Cancellation 7b. Handling fee charged due to Journey Cancellation 20,000 N/A 5, c. Journey Interruption 20,000 5,000 (1) Curtailment Expenses (2) Journey Re-arrangement (3) Compulsory Quarantine (4) Missed Connection Section 8 Travel Delay 8a. Travel Delay N/A Sub-limit: for first full 5 hours delay; 250 N/A Sub-limit: for each full 10 hours delay thereafter 500 N/A OR 8b. Trip Cancellation cover the trip cancellation if the travel is delayed over 10 hours from scheduled departure time 1, ,000 N/A Section 9 Personal Liability 1,000,000 1,000,000 Section 10 Land Travel Arrangement 1, AIG Travel Assistance Service Included Included BENEFITS SECTION 1 - EMERGENCY MEDICAL ASSISTANCE 1a. Emergency Medical Evacuation When as a result of an Injury sustained or Sickness commencing while the Insured Person is traveling overseas during the insured Journey and if in the opinion of the Company or its authorized representative, it is judged medically appropriate to move the Insured Person to another location for medical treatment, or to return the Insured Person to Hong Kong or his/her habitual residence, the Company or its authorized representative shall arrange for the evacuation utilizing the means best suited to do so, based on the medical severity of the Insured Person s condition. The Company shall pay directly to the medical provider the Covered Expenses for such evacuation. Covered Expenses are expenses for services provided and/or arranged by the Company or its authorized representative for the transportation, medical services and medical supplies necessarily incurred as a result of an emergency medical evacuation of an Insured Person. The means of evacuation arranged by the Company or its authorized representative may include air ambulance, surface ambulance, regular air transportation, railroad or any other appropriate means. All decisions as to the means of transportation and the final destination will be made by the Company or its authorized representative and will be based solely upon medical necessity. The Insured Person or a person on his/her behalf must contact AIG Travel Assistance Hotline at (852) for the arrangement. 1b. Repatriation of Remains When, as a result of an Injury sustained or Sickness commencing while the Insured Person is traveling during the insured Journey, the Insured Person dies during the course of the insured Journey, the Company or its authorized representative shall make the necessary arrangements for the return of the Insured Person s remains to Hong Kong or his/her habitual residence. The Company shall pay the actual cost incurred for such repatriation. The Insured Person or a person on his/her behalf must contact AIG Travel Assistance Hotline at (852) for the arrangement. SECTION 2 EMERGENCY MEDICAL EXPENSES 2a. Medical Expenses Under this Section, if the Insured Person sustains an Injury or Sickness during the insured Journey and as a result the Insured Person incurs medical expenses for treatment of the said Injury or Sickness prior to his/her return to Hong Kong, the Company shall reimburse the Insured Person up to the Maximum Benefit stated in the Schedule for that portion of the medical expenses which (i) are incurred by the Insured Person within one-hundred and eighty two (182) days from his/her first sustaining the said Injury or Sickness; and (ii) constitute Usual, Reasonable and Customary Medically Necessary Expenses. - Follow-up Medical Expenses In the event that the Insured Person has received treatment for an Injury or Sickness when travelling overseas during the Period of Insurance and for which a claim is accepted by the Company under Section 2a Medical Expenses, then, should he or she require follow-up medical treatment for the same Injury or Sickness on their return to Hong Kong the Company shall also reimburse the Insured Person up to but not exceeding HK$50,000 for that portion of the follow-up medical expenses which i) are incurred within ninety (90) consecutive days of the Insured Person s return to Hong Kong and ii) constitute Usual, Reasonable and Customary Medically Necessary Expenses and subject to the following sub-limit: 1. The maximum amount payable for treatment or services provided by Chinese Medicine Practitioner is HK$3,000 and a per visit and per day limit of HK$200 shall apply; 2. The maximum amount payable for treatment or services provided by chiropractors is HK$3,000 and a per visit and per day limit of HK$200 shall apply; 3. The maximum amount payable for treatments or services provided by physiotherapist is HK$5,000. In no event, however, shall the total amount payable under this Section 2a (Medical Expenses) exceed 100% of the Maximum Benefit as stated in the Schedule of Benefits. 2b. Compassionate Visit The Company will reimburse up to the Maximum Benefit as stated in the Schedule of Benefits for the reasonable additional Accommodation and/or traveling expenses necessarily incurred by one (1) adult Immediate Family Member or one (1) Traveling Companion of the Insured Person to fly over or stay behind, to be with and/or take care of th e Insured Person, following the death, Serious Injury Or Serious Sickness of the Insured Person during the insured Journey. This coverage can only be utilized once during the insured Journey. In no event, however, shall the total amount payable under this Section 2a (Medical Expenses) and Section 2b (Compassionate Visit) exceed 100% of the Maximum Benefit as stated in the Schedule of Benefits with respect to Section 2 (Emergency Medical Expenses). Exclusions applicable to Section 1 Emergency Medical Assistance & Section 2 Emergency Medical Expenses No benefits will be provided: 1. For surgery or medical treatment when in the opinion of the Qualified Medical Practitioner treating the Insured Person, the treatment can be reasonably delayed until the Insured Person returns to Hong Kong. 2. If the purpose of the insured Journey is to obtain medical treatment or the insured Journey is undertaken against the Qualified Medical Practitioner's recommendation. 3. For any expenses incurred for services provided by another party for which the Insured Person is not liable to pay, or any expenses already included in the cost of a scheduled insured Journey. 4. For failure to obtain a written medical report from the Qualified Medical Practitioner. 5. If the Insured Person refuses to follow the recommendation of a Qualified Medical Practitioner to return to Hong Kong or to continue the insured Journey whilst the Insured Person s physical condition at the time of recommendation is fit for travel. 6. For any expenses for a service not approved and arranged by the Company or its authorized representative except that this exclusion shall be waived in the event the Insured Person or his/her Traveling Companion(s) cannot contact Travel Guard Assistance Hotline during an emergency medical situation for reasons beyond their control. In any event, the Company reserves the right to reimburse the Insured Person only for those expenses incurred for service which the Company or its authorized representative would have provided under the same circumstances. (For Section 1a Emergency Medical Evacuation only). 7. For any expenses incurred for the transportation of the Insured Person s remains not approved and arranged by the Company or its authorized representative. (For Section 1b Repatriation of Remains only). 8. For the follow up treatment expenses incurred outside Hong Kong. 9. For any additional cost of single or private room accommodation at a Hospital or charges in respect of special or private nursing, non-medical personal services such as radio, telephone and the like; procurement or use of special braces, appliances or equipment. 10. For any cosmetic surgery, refractive errors of eyes or hearing-aids, and prescriptions therefor except necessitated by accidental Injury occurring during the insured Journey. SECTION 3 - PERSONAL ACCIDENT 3a. Accident while in a Common Carrier The benefit under this Section is payable to the Insured Person who suffers an Injury while riding as a fare paying passenger, and not as pilot, operator or crew member, in or on, or while boarding or alighting from any Common Carrier at the time of Injury during the insured Journey which, directly and independently of all other causes, results in any Event provided in the Benefit Table hereunder, but only to the extent and if such Injury results in such Event happening to the Insured Person within ninety (90) days after the date of the Accident. This Section is extended to cover an Injury sustained by the Insured Person while riding on a carrier arranged by a travel agent at the time of Injury during the insured Journey which, directly and independently of all other causes, results in any Event provided in the Benefit Table hereunder, but only to the extent and if such Injury results in such Event happening to the Insured Person within ninety (90) days after the date of the Accident. 3b. Other Accidents The benefit under this Section is payable only with respect to Injury sustained by an Insured Person as a result of an Accident other than those Accidents referred to in Section 3a (Accident while in a Common Carrier) during the insured Journey which, directly and independently of all other causes shall result in any Event as provided in the Benefit Table hereunder, but only to the extent and if such Injury results the Event happening within ninety (90) days after the date of the Accident. Benefit Table EVENTS Accidental Death and Disablement Percentage of Principal Sum 1. Death 100% 2. Permanent Total Disablement 100% 3. Permanent and incurable paralysis of all limbs 100% 4. Permanent total Loss of Sight of one eye or both eyes 100% 5. Loss of or the Permanent total Loss of Use of one limb 100% 6. Loss of or the Permanent total Loss of Use of two limbs 100% 7. Loss of Speech and Loss of Hearing 100% 8. Permanent total Loss of Hearing in: (a) both ears 75% (b) one ear 15% Third Degree Burns Area Damage as a Percentage of Total Surface Area Percentage of Principal Sum 1. Head Equal to or greater than 8% damage of total head surface area 100% Equal to or greater than 5 % but less than 8% damage of total head surface area 75% Equal to or greater than 2% but less than 5% damage of total head surface area 50% 2. Body (exclude head surface area) Equal to or greater than 20% damage of total body surface area 100% Equal to or greater than 15% but less than 20% damage of total body surface area 75% Equal to or greater than 10% but less than 15% damage of total body surface area 50% Compensation: 1. If more than one (1) of the above Events are applicable, only the Event with the highest compensation (i.e. the highest Percentage of Principal Sum) will be payable under this Section and in any event shall not exceed the Maximum Benefit stated in the Schedule of Benefits. 2. The insurance for any Insured Person under this Policy shall terminate upon the occurrence of any loss for which indemnity is payable under any one (1) of the above Events, but such termination shall be without prejudice to any claim originating out of the Accident causing such loss. 3. When a limb or organ which had been partially disabled prior to an Injury covered under this Policy becomes totally disabled as a result of such Injury, the Percentage of Principal Sum payable shall be determined by the Company having regard to the extent of disablement caused by the Injury. No payment however shall be made in respect of the loss of a limb or organ which was permanently disabled prior to the Injury. _ AIG Insurance Hong Kong Limited Page 1 of 8 Sunflower TravelPlus Insurance Plan (12/2017)

2 4. If the Insured Person is under seventeen (17) years of age or over seventy-five (75) years of age on the Effective Date, the Maximum Benefit payable will be HK$150,000 subject to the Percentage of Principal Sum as stated in the above Benefit Table under Section 3 (Personal Accident). This Section is extended to cover an Injury sustained by the Insured Person 1. While he/she is traveling directly from his/her place of residence or place of regular employment in Hong Kong to the immigration counter within four (4) hours before the scheduled departure time of the Common Carrier in which the Insured Person has arranged to travel for the purpose of commencement of his/her insured Journey. 2. While he/she is traveling directly from the immigration counter in Hong Kong to his/her place of residence or place of regular employment within four (4) hours upon his/her arrival in Hong Kong after completion of his/ her insured Journey. Exposure If by the reason of any covered Accident occurring during the insured Journey, the Insured Person is unavoidably exposed to the elements (Including but not limited to prolonged and rigorous weather or environmental conditions) and as a direct and unavoidable result of such exposure sustains death, loss or disablement within twelve (12) months from the date of Accident, the Company will pay in accordance to the Events as stated in the Benefit Table. Disappearance If the Insured Person disappears as a result of the disappearance, sinking or wrecking of the Common Carrier caused by an Accident in which the Insured Person was traveling at the time of the Accident during the course of the insured Journey and remains missing after twelve (12) months from the date of the Accident, and the Company has reason to believe that the Insured Person has died in the Accident, the Company will pay the Personal Accident benefit, subject to receipt of a signed undertaking by the personal representative of the Insured Person s estate that any such payment shall be refunded to the Company if it is later discovered that the Insured Person did not die as a result of the Accident. Exclusion Applicable to Section 3 - Personal Accident 1. For the purpose of Section 3, in no event shall the Company be liable to pay for any loss caused by an Injury or otherwise which is a consequence of any kind of disease or Sickness. SECTION 4 BAGGAGE AND PERSONAL EFFECTS The Company will pay the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for loss of or damage to baggage, clothing and personal effects, worn, carried by the Insured Person by hand, in trunks, suitcases and like receptacles owned by the Insured Person occurring during the insured Journey. If any damaged article is proven to be beyond economical repair, a claim will be dealt as if the article had been lost. The Company shall not be liable for more than HK$ in respect of any one (1) article, pair or set or articles and may make payment or at its opinion reinstate or repair the article, pair, or set of articles subject to due allowance for wear and tear and depreciation in respect of any item more than one (1) year old from the date of purchase. Exclusions Applicable to Section 4 - Baggage and Personal Effects No benefits will be provided for: 1. The following classes of property: business goods or sample, foodstuffs, animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, any other conveyances, household furniture, antiques, jewelry or accessories, mobile phone (including PDA phone and other accessories), money (including checks, traveler s checks, etc), plastic money (including the credit value of credit card, Octopus cards, etc), securities, tickets or documents. 2. Any loss or damage caused by wear and tear, gradual deterioration, moths, vermin, inherent vice or damage sustained due to any process initiated by the Insured Person to repair, clean or alter any property. 3. Any loss of or damage to hired or leased equipment. 4. Any loss of or damage to property resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate such property; or in respect of any property which is contraband or which is or has been illegally transported or traded. 5. Any loss or damage to property insured under any other insurance, or which could be reimbursed by a Common Carrier, a hotel, and any service providers or otherwise. 6. Any loss of or damage to property which functions normally after it has been fixed or repaired by a third party. 7. With respect to any of the Insured Person s baggage which the Insured Person either intentionally sent by a different Common Carrier than the one in which the Insured Person was traveling, or with respect to any baggage, souvenir or other items which the Insured Person mailed or shipped separately. 8. Any loss of the Insured Person s baggage when it is left unattended in a public place or as a result of the Insured Person s failure to take due care and precautions for the safe guard and security of such property. 9. Any loss of data recorded on tapes, cards, diskettes or otherwise. 10. Breakage or damage to fragile articles. 11. Any loss or damage while in the custody of a hotel or Common Carrier, unless reported immediately on discovery in writing to such hotel or Common Carrier within three (3) days and a Property Irregularity Report is obtained in the case of the event occurred in an airline. 12. Any loss not reported to the police within twenty-four (24) hours from occurrence of the incident and such police report is not obtained at the place of loss. 13. Loss by any mysterious disappearance. 14. Shortage due to error, omission, exchange or depreciation in value. 15. Receipts of the claimed items submitted which are not in the Insured Person s name. 16. Any loss claimed under Section 5 (Baggage Delay) arising from the same cause. SECTION 5 BAGGAGE DELAY (APPLICABLE TO GLOBAL PLAN ONLY) The Company shall reimburse up to the Maximum Benefit stated in the Schedule of Benefits the actual expenses incurred for emergency purchase of essential items or requisites in consequence of temporary deprivation of the Insured Person s baggage for over ten (10) hours from the time of arrival at the destination due to the misdirection in delivery of the baggage by a Common Carrier on or in which the Insured Person is traveling during the insured Journey. This benefit can only be utilized once during the insured Journey. Coverage under this Section 5 is provided under the Global Plan only. No coverage under this Section 5 is provided under the Guangdong & Macau Plan. Exclusions Applicable to Section 5 - Baggage Delay No benefits will be provided: 1. For the failure of the Insured Person to obtain written confirmation from the Common Carrier as to the number of hours and the reason for such delay. 2. With respect to any of the Insured Person s baggage which the Insured Person either intentionally sent by a different Common Carrier than the one in which the Insured Person was traveling, or with respect to any baggage, souvenir or other items which the Insured Person mailed or shipped separately. 3. For any loss claimed under Section 4 (Baggage and Personal Effects) arising from the same cause. SECTION 6 PERSONAL MONEY AND DOCUMENTS 6a. Loss of Travel Document In the event that the Insured Person loses his/ her travel documents and/or travel tickets during the insured Journey as a direct result of robbery, burglary or theft, the Company will reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for: (i) the replacement cost of the travel documents and/or travel tickets; and/or (ii) reasonable additional cost of Travel Ticket and/or Accommodation necessarily incurred by an Insured Person for the sole purpose of making necessary travel arrangements for replacing the travel documents. Exclusions Applicable to Section 6a Loss of Travel Document No benefits will be provided: 1. If the loss is not reported to the police within twenty-four (24) hours from the occurrence of the incident and for which such police report is not obtained at the place of loss. 2. If the lost travel document and/or visa and/or travel tickets are not needed by the Insured Person to complete to the insured Journey. 3. For loss by any mysterious disappearance. 4. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against any such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate any property; or in respect of any property which is (or represents the proceeds of) contraband or which is or has been illegally transported or traded (or represents the proceeds of such actions). 5. For both the temporary and permanent versions of the same travel document. In the event of such loss, an Insured Person may claim either one (1) version but not both. 6b. Personal Money The Company will reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for the loss of cash, bank notes, traveler's check and money order occurring during the insured Journey. This reimbursement is subject to the condition that the relevant loss must have been reported to the police at the place of the loss within twenty-four (24) hours from the occurrence of the incident and any such claim must be accompanied by written documentation and report from such police. Exclusions Applicable to Section 6b - Personal Money No benefits will be provided: 1. In respect of any form of the plastic money (including any credit card, Octopus cards, etc) or securities. 2. In respect of loss not reported to the police within twenty-four (24) hours from the occurrence of the incident and such police report is not obtained at the place of loss. 3. In respect of shortage due to error, omission, exchange or depreciation in value. 4. In respect of loss of traveler's checks where such loss is not immediately reported to the local branch or agent of the issuing authority. 5. For loss by any mysterious disappearance. 6. In respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, Terrorist Act or action taken by Governmental Authorities in hindering, combating or defending against such an occurrence; or from action taken by any Government or Public Authority pursuant to any customs or other regulations to secure, destroy, quarantine or confiscate such cash, bank notes, check or money; or in respect of any cash, bank notes, check or money which is (or represents the proceeds of) contraband or which is or has been illegally transported or traded (or represents the proceeds of such actions). The maximum amount payable under Section 6a (Loss of Travel Document) and Section 6b (Personal Money) shall not in aggregate exceed 100% of the Maximum Benefit for Section 6 (Personal Money and Documents) as stated in the Schedule of Benefits. SECTION 7 JOURNEY CANCELLATION AND INTERRUPTION 7a. Journey Cancellation The Company shall reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for loss of travel fare and/or Accommodation expenses paid in advance by the Insured Person and for which the Insured Person is legally liable and which are not recoverable from any other source consequent upon the cancellation of the insured Journey necessitated by the occurrence of any of the following, within the period of ninety (90) days before the scheduled departure date of the insured Journey (except for sub-paragraphs (iii) and (iv) below): i. Death, Serious Injury Or Serious Sickness of the Insured Person, Insured Person s Immediate Family Member, Close Business Partner or Traveling Companion; ii. Witness summons, jury service or compulsory quarantine of the Insured Person; iii. Sudden occurrence of strike by the employees of a Common Carrier, unanticipated outbreak of riot or civil commotion, or epidemic at the planned destination within the period of one (1) week before the departure date of the planned insured Journey; iv. Serious damage to the Insured Person s and/or Traveling Companion s Primary Residence in Hong Kong from fire, flood, earthquake or similar natural disasters within the period of one (1) week before the departure date of the planned insured Journey which requires the Insured Person s and/or Traveling Companion s presence in the premises on the departure date of the insured Journey. 7b. Handling fee charged due to Journey Cancellation (applicable to South China & Macau Plan only) The Company shall reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for the handling fee charged by the travel agent if the tour is cancelled due to Tropical Cyclone Warning Signal no. 8 or above or Black Rainstorm Signal either being in force or announced to be hoisted by the Hong Kong Observatory within 3 hours prior to departure time. Coverage under this Section 7b is provided under the South China & Macau Plan only and shall only apply if such Signal is issued, or initial weather warning was made, after the Policy issue date and time. No coverage under this Section 7b is provided under the Global Plan. The coverage under Section 7a (Journey Cancellation) and 7b (Handling Fee charged due to Journey Cancellation) cannot be utilized once the Insured Person has commenced the insured Journey. 7c. Journey Interruption (1) Curtailment Expenses The Company shall reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefit for the amount of travel fare and/or Accommodation expenses forfeited and/or additional Travel Ticket and/or Accommodation expenses reasonably and necessarily incurred after the commencement of the insured Journey where the Insured Person has to terminate and cut short the insured Journey and return to Hong Kong as a result of the following reasons: i. Death, Serious Injury Or Serious Sickness or hijacking of the Insured Person or Close Business Partner who is a resident in Hong Kong; ii. Death, Serious Injury Or Serious Sickness of the Insured Person s Immediate Family Members or Traveling Companion; iii. Sudden occurrence of strike by the employees of a Common Carrier, unanticipated outbreak of riot or civil commotion, natural disasters, or epidemic at the planned destination which prevents the Insured Person from continuing with his/her scheduled insured Journey. (2) Journey Re-arrangement The Company shall reimburse the Insured Person up to the Maximum Benefit stated in the Schedule of Benefits for additional and reasonable Travel Ticket and/or Accommodation incurred after the commencement of the insured Journey as a direct result of sudden occurrence of strike by the employees of a Common Carrier, unanticipated outbreak of riot or civil commotion, inclement weather, natural disasters, or epidemic at the planned destination. Such reimbursement is only payable if the aforesaid expenses are incurred solely for the purpose of the continuation of the traveling to the original planned destination comprised in the insured Journey. Curtailment Expenses payable under Section 7c(1) in relation to the amount of travel fare and/or Accommodation expenses forfeited will be calculated in proportion to the number of days remaining after the relevant interruption of the insured Journey. Actual expenses incurred in relation to additional Travel Ticket and/or Accommodation expenses for the insured Journey payable under both Section 7c(1) (Curtailment Expenses) and Section 7c(2) (Journey Re-arrangement) will be reimbursed up to the Maximum Benefit as stated in the Scheduled of Benefits. (3) Compulsory Quarantine The Company shall reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for the amount of pro-rated basic tour fee and/or Accommodation forfeited after the commencement of the insured Journey where the Insured Person is Compulsorily Quarantined due to suspected exposure to Pandemic Influenza infection. Compulsory Quarantine payable under Section 7c(3) in relation to the amount of basic tour fee and/or Accommodation forfeited will be calculated in proportion to the number of quarantined days during the insured Journey. (4) Missed Connection The Company shall reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits under Section 7c(4) for the necessary and reasonable expenses incurred to use an alternative common carrier to arrive at the destination on time in the event the scheduled common carrier connection is missed at the transfer point due to the late arrival of the preceding aircraft which was due to one (1) or more of the covered events listed under Section 7 (c) (2) Journey Re-arrangement. The maximum amount payable under Section 7c(1) (Curtailment Expenses), Section 7c(2) (Journey Rearrangement),Section 7c(3) (Compulsory Quarantine) and Section 7c(4) (Missed Connection) shall not in aggregate exceed 100% of the Maximum Benefit for Section 7c (Journey Interruption) as stated in the Schedule of Benefits. This coverage Section 7c (Journey Interruption) is effective only if this insurance is purchased before the Insured Person becomes aware of any circumstances which can lead to the disruption or interruption of the insured Journey. Exclusions Applicable to Section 7 - Journey Cancellation and Interruption No benefits will be provided for any loss: 1. That is covered by any other existing insurance scheme, government program, or which will be paid or refunded by any Common Carrier, travel agent or any other provider of transportation and/or accommodation. 2. That is caused directly or indirectly by government regulations or control, bankruptcy, liquidation or default of travel agencies, tour operator and/or Common Carrier. 3. That arises from any circumstances leading to the cancellation and/or disruption of his/her insured Journey before the purchase of this travel insurance. 4. That directly or indirectly arises from the Insured Person's failure to notify the travel agent/ tour operator or provider of transportation or accommodation immediately if it is necessary to cancel or curtail the travel arrangement for the reasons set out in sub-paragraphs i. to iv. of Section 7a (Journey Cancellation) or sub-paragraphs i. to iii. of Section 7c(1) (Curtailment Expenses). 5. In respect of any loss claimed under Section 7c(1) (Curtailment Expenses), Section 7c(2) (Journey Re-arrangement), Section 7c(4) (Missed Connection) and Section 8 (Travel Delay) arising from the same cause. 6. If the Insured Person fails to produce to the Company a written confirmation containing the information issued by the government or other relevant authorities regarding the Compulsory Quarantine, including but not limited to the quarantined period and the reason for such quarantine. AIG Insurance Hong Kong Limited Page 2 of 8 Sunflower TravelPlus Insurance Plan (12/2017)

3 SECTION 8 - TRAVEL DELAY (APPLICABLE TO GLOBAL PLAN ONLY) The Company shall compensate the Insured Person for either a) or b) below The Company shall pay HK$250 for the first full five (5) hours of delay, then HK$500 for each of the following full ten (10) hours of delay up to the Maximum Benefit as stated in the Schedule of Benefits in the event that the Common Carrier in which the Insured Person has arranged to travel is delayed for at least five (5) hours from the departure or Acquired Immune Deficiency Syndrome or AIDS shall have the meanings assigned to it by the World Health Organization including Opportunistic Infection, Malignant Neoplasm, Human Immune Deficiency Virus (HIV) Encephalopathy (Dementia), HIV Wasting Syndrome or any disease or sickness in the presence of a sero-positive test for HIV. Child or children means a legitimate dependent of an Insured Person who is under the age of seventeen (17) a. arrival time specified in the itinerary provided to the Insured Person by the Common Carrier, where such delay is caused directly by inclement weather, natural disaster, equipment failure, hijack or strike by the employees of the Common Carrier during the insured Journey. Departure or arrival delay will be calculated from the original scheduled departure or arrival time specified in the itinerary provided by the Common Carrier to the Insured Person until the actual departure or arrival time of a) the original Common Carrier or b) the first available alternative transportation offered by that Common Carrier management. The Insured Person can only claim for either departure or arrival delay of the same delayed Common Carrier. years on the scheduled departure date. Chinese Medicine Practitioner shall mean any Chinese bonesetter, acupuncturist or Chinese medicine practitioner who is legally registered as a Chinese medicine practitioner under the Chinese Medicine Ordinance (Cap 549, Laws of Hong Kong), but excluding a Chinese Medicine Practitioner who is the Insured Person or an Immediate Family Member of the Insured Person. Close Business Partner shall mean a close business partner of an Insured Person proved as such to the satisfaction of the Company on the basis of business registration or corporate registration documentation acceptable to the Company. OR Common Carrier shall mean any bus, coach, taxi, ferry, hovercraft, hydrofoil, ship, train, tram or underground train b. The Company shall reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits provided and operated by a carrier duly licensed for the regular transportation of fare-paying passengers, and any for the expenses paid in advance and any amounts for which he/she is legally liable and are not recoverable from any other source if he/she decides to cancel the insured Journey due to inclement weather, natural disaster, equipment failure, hijack or strike by the employees of the Common Carrier which causes delay of departure for at least ten (10) hours from the originally scheduled departure time for the insured Journey. No benefits will be provided for any loss arising from failure of the Insured Person to check in for the insured Journey according to the itinerary supplied to him/ her. This coverage is effective only if this insurance is purchased before the announcement of any event or occurrence leading up to the relevant delay of the Common Carrier by the authorized representative/management of the Common Carrier. Coverage under this Section 8 is provided under the Global Plan only. No coverage under this Section 8 is provided under the Guangdong & Macau Plan. Exclusions Applicable to Section 8 - Travel Delay No benefits will be provided for: 1. Failure of the Insured Person to obtain written confirmation from the Common Carrier on the number of hours of and the reason for such delay. fixed-wing aircraft provided and operated by an airline or an air charter company which is duly licensed for the regular transportation of fare-paying passengers and any helicopter provided and operated by an airline which is duly licensed for the regular transportation of fare-paying passengers and operating only between established commercial airports or licensed commercial heliports, and any regularly scheduled airport limousine operating on fixed routes and schedules. Compulsorily Quarantined or Compulsory Quarantine means the Insured Person is ordered to be quarantined compulsorily by the government or other relevant authorities. Effective Date means either 1) the issue date of the Policy or 2) the date the Journey Cancellation benefit becomes effective, whichever is later. Hong Kong means the Hong Kong Special Administrative Region or the HKSAR. Hospital shall mean a hospital (other than an institution for the aged, chronically ill or convalescent rest or nursing home or a place for alcoholics or drug addicts, or for any similar purpose) operated pursuant to law for the care and treatment of sick or injured persons with organized facilities for diagnosis and surgery and having 24 hours nursing service and medical supervision. Immediate Family Member means Insured Person s spouse, parent, parent-in-law, grandparent, son or daughter, brother or sister, grandchild, legal guardian. 2. Any loss arising from any event or occurrence leading up to the relevant delay which is announced before this insurance is purchased. Injury shall mean the bodily injury sustained in an Accident directly and independently of all other causes. Insured Person shall mean the Insured Person(s) named in the Policy Schedule or subsequently endorsed herein. 3. Any loss arising from late arrival of Insured Person at the airport or port (i.e. arrival at a time later than the time required for check-in or booking-in except for the late arrival due to strike by the employees of the Common Carrier). Journey wherever used in this Policy shall mean the period of travel commencing from when the Insured Person leaves an immigration counter of Hong Kong for the purpose of commencement of his/ her journey until the 4. Any loss arising from failure of Insured Person to get on-board the first available alternative transportation offered by the administration of the relevant Common Carriers. Insured Person's arrival at any immigration counter of Hong Kong after the said journey or the expiry date of the Period of Insurance, whichever first occurs. 5. Any loss claimed under Section 7c(2) (Journey Re-arrangement) and 7c(4) Missed Connection arising from the same cause. Loss of or Loss of Use shall mean the Permanent total functional disablement or complete and permanent physical severance of a hand at or above the wrists or of a foot at or above ankle joints, and as used with reference to eyes, shall SECTION 9 - PERSONAL LIABILITY The Company shall indemnify the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for mean the entire and irrecoverable Loss of Sight. Loss of Hearing shall mean Permanent irrecoverable loss of hearing where: legal liability to a third party arising during the insured Journey as a result of: If a db - Hearing loss at 500 Hertz If b db - Hearing loss at 1,000 Hertz 1. death or accidental bodily Injury to a third party; If c db - Hearing loss at Hertz If d db - Hearing loss at 4,000 Hertz 2. accidental loss of or damage to property of a third party. 1/6 of (a+2b+2c+d) is above 80dB. However, the Insured Person must not make any offer or promise of payment or admit his/her fault to any other party, or Loss of Speech shall mean the disability in articulating any three of the four sounds which contribute to the speech become involved in any litigation without the Company s written approval. Exclusions Applicable to Section 9 - Personal Liability No benefits will be provided for: 1. Property of any person who is the Insured Person, Insured Person s Immediate Family Member or employer or deemed by law to be his/her employee. 2. Liability to any person who is the Insured Person s Immediate Family Member or employer or deemed by law to be his/her employee. such as the Labial sounds, the Alveololabial sounds, the Palatal sounds and the Velar sounds or total loss of vocal cord or damage of speech center in the brain resulting in Aphasia. Macau means the Macao Special Administrative Region or the Macao SAR. Malignant Neoplasm shall include but not be limited to Kaposi s sarcoma, central nervous system lymphoma and/or other malignancies now known or which become known as immediate causes of death, an illness, or disability, in the presence of Acquired Immune Deficiency Syndrome. Maximum Benefit means the maximum benefit amount of each of the benefits covered under this Policy as stated in 3. Property which belongs to the Insured Person or is in his/her care of custody or control. the Schedule of Benefits. 4. Any liability assumed under contract. Medically Necessary Expenses means expenses incurred and paid by the Insured Person to a legally 5. Liability relating to the willful, malicious, or unlawful act on the part of the Insured Person. Qualified Medical Practitioner, physician, surgeon, nurse, hospital and/or ambulance service for medical, surgical, X-ray, 6. Liability arising from the ownership, possession or use of vehicles, aircraft, watercraft, firearms or animals. hospital or nursing treatment including the cost of medical supplies and ambulance hire but excluding the cost of 7. dental treatment unless such treatment is necessarily incurred to sound and natural teeth and is caused by Injury, Liability arising from the undertaking of any trade, business or profession. 8. Liability arising from any criminal acts. and excluding any expenses incurred under Section 1a (Emergency Medical Evacuation) and Section 1b (Repatriation SECTION 10 - LAND TRAVEL ARRANGEMENT of Remains) of this Policy. All treatment must be prescribed by a Qualified Medical Practitioner in order for expenses to be reimbursed under this Policy. Provided that in the event an Insured Person becomes entitled to a The Company shall reimburse the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for refund of all or part of such expenses from any other source, the Company will only be liable for the excess of the any additional reasonable and necessary land transportation expenses incurred overseas for the Insured Person to travel amount recoverable from such other sources. to a hospital to seek medical treatment following Injury or Sickness during the Journey; and upon arrival in Hong Kong Opportunistic Infection shall include but not be limited to pneumocystis carinii pneumonia, organism of chronic after completion of the journey to return the place of residence following the hospital confinement overseas. enteritis, virus and/or disseminated fungi infection. This section is subject to the condition that the Insured Person's Injury and/or Sickness is covered as a valid claim under Pandemic Influenza means an epidemic of an influenza virus that spreads on a worldwide scale and infects a large Section 2 (Emergency Medical Expenses) GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS THE COMPANY WILL NOT PAY UNDER ANY SECTION OF THIS POLICY FOR LOSS, INJURY, DAMAGE OR LIABILITY SUFFERED AND/OR SUSTAINED BY OR ARISING DIRECTLY OR INDIRECTLY AS A RESULT OF OR IN proportion of human population to the extent that the World Health Organization has announced that the level of Epidemic and Pandemic Alert and Response is phase 5 or above. Percentage of Principal Sum is the Percentage of Principal Sum as stated in the Benefit Table in Section 3 (Personal Accident) herein used to calculate the Maximum Benefit payable. CONNECTION WITH ANY OF THE FOLLOWING: Period of Insurance means the period between Departure Date and Return Date in the Official Receipt attached to 1. War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power; the Policy. 2. This Policy will not cover any loss, injury, damage or legal liability arising directly or indirectly from planned or actual Permanent shall mean lasting twelve (12) consecutive months from the date of an Accident and at the expiry of the twelve (12) months period being beyond any hope of improvement. travel in, to, or through Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region. Permanent Total Disablement shall mean disablement which commences ninety (90) days from the date of the 3. This Policy will not cover any claim, loss, injury, damage or legal liability suffered or sustained by residents of Cuba, Accident and which is Permanent and which entirely prevents an Insured Person from attending to any business or Iran, Syria, Sudan, North Korea, or the Crimea region. gainful occupation of any and every kind or if he/she has no business or occupation from attending to any duties, which 4. The Company shall not be deemed to provide cover and the Company shall not be liable to pay any claim or would normally be carried out by him/her in his/her daily life. provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of Pre-existing Condition means any sickness, disease, injury or medical condition of the Insured Person, Immediate such benefit would expose the Company, its parent company or its ultimate controlling entity to any sanction, Family Member, Close Business Partner or Traveling Companion: prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws, or regulations of the European Union or the United States of America. 1) which required investigation, treatment or medication or advice from a Qualified Medical Practitioner prior to the 5. Any illegal or unlawful act by the Insured Person or confiscation, detention, destruction by customs or other Effective Date of this Policy, or authorities; 2) which presented signs or symptoms that any such person mentioned above was aware of or should have 6. Any prohibition or regulations by any government (except where a government is subjecting an Insured Person to reasonably been aware of and for which a reasonable person would have sought medical treatment or advice from a Compulsory Quarantine as covered under Section 7a(ii) and Section 7c(3); any breach of government regulation or Qualified Medical Practitioner prior to the Effective Date of this Policy. any failure by the Insured Person to take reasonable precautions to avoid a claim under this insurance following the Primary Residence means the house or building permanently occupied by the Insured Person for the sole purpose of warning of any intended strike by the employees of a Common Carrier, riot or civil commotion, inclement weather, private dwelling. natural disasters, or epidemic; Principal Sum means the Maximum Benefit. 7. Any Terrorist Act except for Section 1 (Emergency Medical Assistance), Section 2 (Emergency Medical Expenses), Qualified Medical Practitioner shall mean any person legally authorized by the Government with jurisdiction in the Section 3 (Personal Accident). geographical area of his or her practice to render medical or surgical service, but excluding a qualified medical 8. The Insured Person is not taking all reasonable efforts to safeguard his/her property/money, to avoid Injury or to practitioner who is the Insured Person or an Immediate Family Member of the Insured Person. minimize any claim under this insurance; Schedule of Benefits means the section to this Travel Insurance Terms and Conditions entitled Schedule of Benefits 9. Riding or driving in any kind of motor racing, competition, engaging in a professional capacity in any sport where an and may be amended by the Company from time to time. Insured Person would or could earn income or remuneration from engaging in such sport as a source of income; Serious Injury or Serious Sickness means an injury or sickness for which the Insured Person or Traveling 10. Any loss which has connection with the effects of alcohol or drugs other than those prescribed by a Qualified Medical Companion requires treatment and which is certified by a Qualified Medical Practitioner as being dangerous to life and as Practitioner; rendering the Insured Person unfit to travel or continue with his/her original insured Journey. When Serious Injury or 11. Pregnancy or childbirth, and any Injury or Sickness associated with pregnancy or childbirth; Serious Sickness is applied to the Insured Person s Immediate Family Member(s) or Close Business Partner, it shall 12. Suicide or attempted suicide or intentional self-injury, or self-exposure to needless peril; mean injury or sickness for which the Insured Person s Immediate Family Member or Close Business Partner requires 13. Any Pre-Existing Condition, congenital and heredity condition; treatment and certified by a Qualified Medical Practitioner as being dangerous to life and which results in the Insured 14. AIDS or any Injury or Sickness commencing in the presence of a sero positive test for HIV and related disease, Person s discontinuation or cancellation of his/her original insured Journey. sexually transmitted disease; Sickness means a sickness or disease which is contracted during the insured Journey directly and independently of 15. Psychosis, sleep disturbance disorder, mental or nervous disorders; any other cause and which commences during the insured Journey. 16. The Insured Person engaging in naval, military or airforce service or operations; armed force service; being as a Spouse means the person married to or in a civil partnership with the Insured Person. For these purposes, a marriage crew member of an operator of any air carrier; testing of any kind of conveyance; engaging in any kind of labor work; or civil partnership is a formal and legally binding union entered into between two people which is recognized as a engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of marriage or civil partnership under the laws of the jurisdiction in which the union takes place. explosives; performing as actor/actress; being a site worker, fisherman, cook or kitchen worker; tour guide or tour Symptom means a sign or an indication of disorder or disease experienced by an individual. escort; Terrorist Act shall mean any actual or threatened use of force or violence directed at or causing damage, injury, harm 17. Any medical treatment received during an insured Journey which was made for the purpose of receiving medical or disruption, or commission of an act dangerous to human life or property, against any individual, property or treatment or if the insured Journey was undertaken while the Insured Person was unfit to travel; or the Insured government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious Person is traveling against the advice of a Qualified Medical Practitioner; interests, whether such interests are declared or not. Criminal acts, primarily committed for personal gain and acts arising 18. Any Insured Person who is a People s Republic of China passport holder and travels to/within People s Republic of primarily from prior personal relationships between perpetrator(s) and victim(s) shall not be considered terrorist acts. China (except Hong Kong, Taiwan and Macau). However, this exclusion will be waived if the Insured Person Terrorist act also includes any act, which is verified or recognised by the (relevant) Government as an act of terrorism. mentioned in the aforesaid has an official document issued by the overseas Government other than People s Third Degree Burns shall mean full thickness skin destruction due to burns. Republic of China (except Hong Kong, Taiwan and Macau) as proof that he/she is a legal resident of the respective Travel Agent refers to the travel agent which is registered with the Company as its authorized insurance agent/agency. country but traveling with a People s Republic of China passport. 19. Traveling Companion shall mean the person who is accompanying the Insured Person for the whole insured Journey. Any loss and expenses that can be reimbursed or recovered from any other source except for Section 3 (Personal Travel Ticket means an economy class travel ticket purchased for traveling on any Common Carrier. Accident) and Section 8 (Travel Delay). Usual, Reasonable And Customary shall mean an expense which: (1) is charged for treatment, supplies or medical DEFINITIONS services medically necessary for caring of Insured Person(s) under the care, supervision, or order of a Qualified Medical Accident means an unforeseen and involuntary event which causes an Injury during an insured Journey. Practitioner; (2) does not exceed the usual level of charges for similar treatment, supplies or medical services in the Accommodation _ means room charge only. AIG Insurance Hong Kong Limited Page 3 of 8 Sunflower TravelPlus Insurance Plan (12/2017)