未命名-1

Transcription

1 Zurich CruisePlus Insurance Policy In consideration of the payment of premium and subject to the definitions, exclusions, limitations, provisions and terms contained herein, endorsed hereon, or attached hereto, we agree to insure the insured person(s) named in the schedule issued in relation to an insured journey and promise to pay indemnity for loss to the extent provided herein. Part 1 Definitions Certain words in this policy have specific meanings. We have printed these words in italics throughout this policy and have given the meanings below: and ambulance hire but excluding any expenses incurred under Section Emergency Medical Evacuation or Section Repatriation of Mortal Remains of Accident a sudden and unforeseen event that happens unexpectedly and causes injury this policy. All treatments must be prescribed by a qualified medical practitioner in during an insured journey. order for expenses to be reimbursed under this policy. In the event an insured person becomes entitled to a refund of all or part of such expenses from any other China the territorial limit of the People s Republic of China, but excluding Hong Kong and Macau. source, we will only be liable for the excess of the amount recoverable from such Compulsory Quarantine the insured person is confined in an isolated ward of a hospital or an isolated site other sources. appointed by the government for at least one (1) full day and continuously stays in there until his/her discharge from the quarantine. Medical Practitioner a person other than the insured person or immediate family member, qualified by degree in western medicine and legally authorized in the geographical area of Confined/Confinement the insured person is registered as an in-patient in a hospital for a medical treatment his/her practice to render medical and surgical services. for an injury or illness upon the recommendation of a medical practitioner and continuously stays in the hospital prior to his/her discharge from the hospital. Hospital Permanent lasting twelve (12) consecutive months from the date of an accident and at the expiry confinement will be evidenced by a daily room and board charge by the hospital. of that period being beyond hope of improvement. Documents documents include schedule, enrollment form, riders, endorsements, attachments Permanent Total when as the result of injury and commencing within twelve (12) consecutive and amendments. Disablement months from the date of an accident in which the insured person is totally and Effective Date when applying to insured journey and voyage, it means the application date of this permanently disabled and prevented from engaging in each and every occupation policy. When applying to shore excursion(s) during the voyage, it means the date the or employment for compensation or profit for which the insured person is excursion is booked and paid as shown on the receipt or confirmation issued by the reasonably qualified by reason of the insured person s education, training or travel agency, or tour operator, or cruise company. experience, or if the insured person has no business or occupation, it means the Hong Kong the Hong Kong Special Administrative Region of the People s Republic of China. inability of the insured person to perform any activities which would normally be carried out by the insured person in his/her daily life. Hospital an establishment which meets all the following requirements: holds a licence as a hospital (if licensing is required in the state or governmental Pre-existing Condition the insured person received medical treatment, diagnosis consultation or jurisdiction); and prescribed drugs, or a condition for which medical advice or treatment was operates primarily for the admission, care and treatment of sick, ailing or recommended by a medical practitioner before the effective date. injured persons as in-patients; and Public Common Carrier any mechanically propelled conveyance operated by a company or an individual provides 24-hour a day nursing service by registered or graduated nurses; and licensed to carry passengers for hire, including but not limited to bus, coach, ferry, has a staff of one (1) or more licensed medical practitioner available at all times; cruise ship, hovercraft, hydrofoil, ship, train, tram or underground train. and Schedule the schedule attached to and incorporated in this policy. provides organized facilities for diagnosis and major surgical facilities; and Serious Physical Injury an injury or illness as a result of which the insured person or the travel companion is not primarily a clinic, nursing, rest or convalescent home or similar or Serious Illness is certified by the insured person s or the travel companion s attending medical establishment or a place for alcoholics or drug addicts. practitioner as being unfit to travel for the insured journey or continue with the Illness sickness or disease of the insured person contracted and commenced during the insured journey and the insured person or travel companion has to be confined in a insured journey and resulting in a loss covered by this policy. hospital for immediate medical treatment. Serious physical injury or serious illness Immediate Family Member the insured person s spouse, parent, parent-in-law, grandparent, son or daughter, shall also include such injury or illness due to which the insured person or travel brother or sister, grandchild or legal guardian. companion is being denied to board the scheduled public common carrier or is being Infectious Disease any kinds of infectious disease with human-to-human spread in a large cluster(s) of denied to enter into the scheduled destination by any legal, governmental or airport a local population which is announced by the World Health Organization. authorities. When serious physical injury or serious illness is applied to the immediate Injury bodily injury sustained in an accident directly and independently of all other causes family member(s), it means injury or illness which is certified by the attending medical during the insured journey resulting in a loss covered by this policy. practitioner as being dangerous to life of the immediate family member(s) and as a Insured Journey the period of travel commencing from the time when the insured person departs from result of which the immediate family member(s) has/have to be confined in a hospital the immigration department office/counter of the departure country for the for immediate medical treatment, and which results in the insured person s commencement of the insured journey as shown on the insured person s travel discontinuation or cancellation of his/her original insured journey. itinerary and until (1) the time when the insured person arrives at any immigration Sinkage complete or partial immersion of the cruise ship in the sea during voyage caused by department office/counter in the country of final destination as shown on the insured accident and results in serious damage to the cruise ship and all passengers on board person s travel itinerary or (2) the expiry date of this insurance as specified in the are required to immediately evacuate from the cruise ship. When sinkage is applied schedule, whichever first occurs. to personal baggage, it means salvage of the remains of the cruise ship has ceased However, any period of insurance should not exceed one hundred and eighty (180) days. and loss of the personal baggage is certified by the cruise company. Insured Person the person named in the schedule or subsequently endorsed hereon as insured person. Terrorism an act of terrorism includes any act, preparation or threat of action including the Itinerary the detailed plan for a journey issued and confirmed by public common carrier, travel intention to influence any government de jure or de facto of any nation or any agency, tour operator or cruise company, together with the payment receipt or political division thereof and/or to intimidate the public or any section of the public confirmation, prior to the commencement of the insured journey. of any nation, of any person, or group(s) of persons, whether acting alone or on Lap-top Computer a laptop, notebook or sub-notebook computer. Personal digital assistant (PDA), behalf of or in connection with any organization(s) or government(s) de jure or de hand-held computer (HHC) and tablet PC of any kinds are excluded from this category. facto committed for political, religious, ideological, or similar purposes, and which Loss of Hearing permanent irrecoverable loss of hearing where: involves violence against one (1) or more persons; or If a db = Hearing loss at 500 Hertz involves damage to property; or If b db = Hearing loss at 1,000 Hertz endangers life other than that of the person committing the action; or If c db = Hearing loss at 2,000 Hertz creates a risk to the health or safety of the public or a section of the public; or If d db = Hearing loss at 4,000 Hertz is designed to interfere with or disrupt an electronic system. 1/6 (a+2b+2c+d) is above 80dB. Third Degree Burns full thickness skin destruction due to burns. Loss of Limb loss by physical separation at or above the wrist or ankle joint. Travel Companion the person made the travel booking or reservation together with the insured Loss of Sight the entire and permanent irrecoverable loss of sight. person and accompanied the insured person for the whole insured journey other Loss of Speech the disability in articulating any three (3) of the four (4) sounds which contribute to than the tour guide or the tour member. the speech such as the labial sounds, the alveololabial sounds, the palatal sounds Travel Ticket a travel ticket purchased for travelling on any public common carrier. and the velar sounds or total loss of vocal cord or damage of speech centre in the Voluntary Travel Insurance travel insurance policy actually paid by the insured person or the proposer as stated brain resulting in aphasia. Policy on the application form of such policy. Any group travel insurance policy which is Loss of Use permanent total functional disablement or complete and permanent physical actually paid by any company, group, or association to insure the insured person shall separation at or above the wrists or ankle joints. be excluded from this definition. Maximum Benefits the aggregate benefit amount of each of the benefits covered under this policy as Voyage the period of travel during which the insured person is onboard of the cruise ship as stated in the Table of Benefits. a passenger at the first port specified in the itinerary supplied to the insured person Medically Necessary expenses incurred from the first day of sustaining an injury or illness during the until the insured person disembark from the final port specified in the itinerary. Expenses insured journey which are paid by the insured person to a legally qualified medical War a contest by force between two (2) or more nations, carried on for any purpose; or practitioner, physiotherapist, nurse, hospital and/or ambulance service for medical, armed conflict of sovereign powers; or declared or undeclared and open hostilities; surgical, X-ray, hospital or nursing treatment including the cost of medical supplies or the state of nations among whom there is (1) an interruption of peaceful relations and (2) a general contention by force, both authorized by the sovereign. Part 2 Benefits We, Us or Our Zurich Insurance Company Ltd Table of Benefits Section Coverage Section 1 Personal Accident The insured person can only make a claim under Section 1.1, 1.2 or 1.3 in respect of the same accident. Maximum Benefits Per Insured Person Per Insured Journey (HKD) Elite Plan Royal Plan 1.1 Accident due to Sinkage of Cruise Ship or Kidnap by Pirates during Voyage For insured person aged between 18 and 65 years 1,500,000 2,000,000 For insured person aged below 18 or over 65 years 750,000 1,000,000 Extra Indemnity for Disappearance 100, , Accident on Public Common Carrier or during Robbery For insured person aged between 18 and 65 years 1,000,000 1,500,000 For insured person aged below 18 or over 65 years 500, , Other Accidents For insured person aged between 18 and 65 years 500,000 1,000,000 For insured person aged below 18 or over 65 years 250, , Burns Cover For insured person aged between 18 and 65 years 200, ,000 For insured person aged below 18 or over 65 years 100, ,000 Section 2 Medical Cover 2.1 Medical Expenses 500,000 1,200,000 Inclusive of: Sublimit for follow-up medical expenses due to accidental injury 100% Sublimit for follow-up medical expenses due to sickness 10% Overseas travelling expenses for seeking medical treatment 1,000 2, Overseas Hospital Daily Cash Benefit 250/day up to 10 days 500/day up to 10 days Quarantine Cash allowance due to Infectious Disease 250/day up to 10 days 500/day up to 10 days 2.3 Follow-up Hospital Daily Cash Benefit 250/day up to 10 days 500/day up to 10 days 2.4 Trauma Counseling Expenses 5,000 10,000 Section 3 Emergency Assistance 3.1 Compassionate Visit One Economy Class round trip travel fare 3.2 Emergency Medical Evacuation Actual Cost 3.3 Repatriation of Mortal Remains Actual Cost 3.4 Return of Unattended Children One Economy Class one way travel fare 3.5 Deposit Guarantee for Hospital Admission 78, Additional Accommodation Expenses 7, hour Telephone Hotline and Referral Services Included

2 Section Coverage Maximum Benefits Per Insured Person Per Insured Journey (HKD) Elite Plan Royal Plan Section 4 Personal Effects and Liability 4.1 Baggage and Personal Effects 30,000 50,000 Inclusive of: Sublimit per article, pair, set or collection 3,000 3,000 Sublimit per lap-top computer 10,000 15,000 An aggregate maximum limit of all cameras and camcorders and their related accessories and 5,000 10,000 equipment 4.2 Baggage Allowance due to Sinkage of Cruise Ship 1,500 3, Loss of Personal Money 2,000 3, Loss of Travel Documents and/or Travel Ticket 10,000 20,000 Cruise Rejoining Expenses due to Loss of Travel Document during Shore Excursion Accommodation Expenses 1,000/day up to 5 days 2,000/day up to 5 days Travel Expenses 3,000 5, Unauthorized Use of Lost Credit Card 5,000 10, Personal Liability 1,000,000 2,000,000 Section 5 Travel Inconvenience Cover 5.1 Travel Delay Cover (a) Travel delay (300 for each and every 6 hours of delay) 2,000 3,000 (b) Extra Hotel Cost due to Travel Delay 2,000 3,000 (c) Extra Re-routing cost due to Travel Delay and Missed Connection to Cruise Ship; or 10,000 20,000 (d) Cruise Cancellation due to Travel Delay 30, , Baggage Delay Cover (a) Baggage Delay Allowance (for delay over 6 hours) 1,000 2,000 (b) Additional Allowance for Baggage Delay after Boarding the Cruise Ship (for delay over 24 hours) 500 1, Cancellation of Trip 30, , Curtailment of Trip 30, , Cruise Tour Interruption Cover (a) Allowance for Missed Connection to Cruise Ship due to Travel Delay 500/day up to 3 days 1,000/day up to 3 days (b) Missed Boarding on Ports of Call during Voyage 5,000 10,000 (c) Shore Excursion Cancellation Allowance 5,000 10,000 Sublimit per Excursion 1,000 2,000 (d) Shore Excursion Curtailment Allowance 500 1,000 Section 6 Zurich Personal Care Cover 6.1 Compassionate Death Cash 15,000 30, Satellite Phone on Cruise Ship 1,500 3, Damage of Evening Wear for Formal Dinner on Cruise Ship Involuntary Journey Extension (a) Hotel Cost due to Involuntary Journey Extension 1,000/day up to 5 days 2,000/day up to 5 days (b) Pet Care Cover 100/day up to 5 days 150/day up to 5 days (c) Park and Fly Cover 100/day up to 5 days 150/day up to 5 days Section 1 Personal Accident 1.1 Accident due to Sinkage of Cruise Ship or Kidnap by Pirates during Voyage In the event that the insured person suffers from injury during the voyage due to: (i) sinkage of cruise ship; or (ii) the insured person being kidnapped by pirates; we will pay in accordance with the percentage of maximum benefits stated in the Compensation Table hereunder, up to the maximum benefits specified in the Table of Benefits, but only to the extent and if such injury results in any Event listed in the following Compensation Table within twelve (12) consecutive months after the date of the accident. Extra Indemnity for Disappearance If the body of the insured person has not been found within one (1) year after the date of the disappearance due to sinkage of the cruise ship or the insured person being kidnapped by pirates during the voyage, it will be presumed that the insured person suffered death resulting from an accident covered by this policy at the time of such disappearance. We will pay an extra indemnity to the estate of the insured person up to the maximum benefits specified in the Table of Benefits. 1.2 Accident on Public Common Carrier or during Robbery In the event that during the insured journey the insured person suffers from injury while: (i) riding solely as a passenger (not as operator, pilot, or crew member) in or on, boarding or (ii) alighting from any public common carrier; or being an innocent victim in a robbery or attempted robbery including escape of the perpetrators therefrom; we will pay in accordance with the percentage of maximum benefits stated in the Compensation Table hereunder, up to the maximum benefits specified in the Table of Benefits, but only to the extent and if such injury results in any Event listed in the following Compensation Table within twelve (12) consecutive months after the date of the accident. 1.3 Other Accidents In the event that the insured person suffers from injury resulting from accident other than the accident referred in Section 1.1 and Section 1.2 during the insured journey, we will pay up to the maximum benefits as stated in the Table of Benefits in accordance with the percentage of maximum benefits stated in the Compensation Table hereunder, but only to the extent and if such injury results in any one of the following Events contained in the following Compensation Table within twelve (12) consecutive months after the date of the accident. Events Compensation Table Percentage of Maximum Benefits 1. Death 100% 2. Permanent Total Disablement 100% 3. Permanent and incurable paralysis of all limbs 100% 4. Permanent total Loss of Sight of both Eyes 100% 5. Permanent total Loss of Sight of one Eye 100% 6. Loss of or the permanent total Loss of Use of two limbs 100% 7. Loss of or the permanent total Loss of Use of one limb 100% 8. Loss of Speech and Hearing 100% 9. Permanent and incurable insanity 100% 10 Permanent total Loss of Hearing in (i) both ears 75% (ii) one ear 15% 11. Loss of Speech 50% 12. Permanent total loss of the lens of one eye 50% 13. Loss of or the permanent total Loss of Use of four fingers and thumb of (i) right hand 70% (ii) left hand 50% 14. Loss of or the permanent total Loss of Use of four fingers of (i) right hand 40% (ii) left hand 30% 15. Loss of or the permanent total Loss of Use of one thumb (i) both right joints 30% (ii) one right joint 15% (iii) both left joints 20% (iv) one left joint 10% 16. Loss of or the permanent total Loss of Use of fingers (i) three right joints 15% (ii) two right joints 10% (i) (ii) Events (iii) Compensation Table Percentage of Maximum Benefits 16. (iii) one right joint 7.5% (iv) three left joints 10% (v) two left joints 7.5% (vi) one left joint 5% 17. Loss of or the permanent total Loss of Use of toes (i) all toes - one foot 20% (ii) great toe - both joints 7.5% (iii) great toe - one joint 5% 18. Permanent Disability not otherwise provided for under Events 10 to 17 inclusive, such percentage of the sum insured as we shall in its absolute discretion determine and being in its opinion not inconsistent with the Compensation provided under Events 10 to 17 inclusive. Benefit shall not be payable for more than one (1) of the Events listed in the above Compensation Table in respect of the same accident. Should more than one (1) of the said Events occur from the same accident, only the Event with the highest compensation will be payable under this section. The insurance for any insured person(s) under this policy shall terminate upon the occurrence of any compensation for which indemnity is payable under any one (1) of the above Events listed in the above Compensation Table, but such termination shall be without prejudice to any claim originating out of the accident causing such loss. When a limb or organ which had been partially disabled prior to an injury covered under this policy and which becomes totally disabled as a result of such injury, the Percentage of Maximum Benefits payable shall be determined by us having regard to the extent of disablement caused by the injury. However, no payment shall be made in respect of the loss of a limb or organ which was totally disabled prior to the injury. Special Condition applicable to Personal Accident The insured person can only make a claim under either Section 1.1, 1.2 or 1.3 in respect of the same accident. 1.4 Burns Cover In the event that the insured person suffers from third degree burns resulting from accident during the insured journey, we will pay up to the maximum benefits as stated in the Table of Benefits in accordance with the percentage of maximum benefits stated in the Compensation Table hereunder, but only to the extent and if such injury or third degree burns results in any one of the following Events within twelve (12) consecutive months after the date of the accident. Compensation Table Third Degree Burns Area Damage as a percentage of total surface area Percentage of Maximum Benefits Head (a) Equal to or greater than 12% damage of total head surface area 100% (b) Equal to or greater than 8% but less than 12% damage of total head surface area 75% (c) Equal to or greater than 5% but less than 8% damage of total head surface area 50% (d) Equal to or greater than 2% but less than 5% damage of total head surface area 25% Body (a) Equal to or greater than 20% damage of total body surface area 100% (Exclude (b) Equal to or greater than 15% but less than 20% damage of total body surface area 75% Head) (c) Equal to or greater than 10% but less than 15% damage of total body surface area 50% (i) Benefit shall not be payable for more than one (1) of the Area listed above in respect of the same accident. Should more than one (1) of the Area is damaged from the same accident, only the Area with the highest compensation will be payable under this section. (ii) When a limb or organ which had been partially disabled prior to an injury covered under this policy and which becomes totally disabled as a result of such injury, the Percentage of Maximum Benefits payable shall be determined by us having regard to the extent of disablement caused by the injury. However, no payment shall be made in respect of the loss of a limb or organ which was totally disabled prior to the injury. Extensions to Section 1 (a) Under this section, we extend to cover any injury sustained by the insured person while: (i) The insured person is travelling directly from his/her place of residence or place of regular employment in Hong Kong to Hong Kong Immigration Department office/counter within three (3)hours before the insured person s scheduled departure time of the public common carrier in which the insured person has arranged to travel for the purpose of commencing the insured journey; and

3 (ii) (b) the insured person is travelling directly from Hong Kong Immigration Department office/counter to his/her place of residence or place of regular employment within three (3) hours after the insured person s actual arrival time of the public common carrier in which the insured person has arranged to travel for returning to Hong Kong from the insured journey. Disappearance Clause If the body of the insured person has not been found within one (1) year after the date of the disappearance due to disappearance, sinking or wrecking of the aircraft or other public common carrier either on the ground or at sea in which the insured person was travelling at the time of the accident and under such circumstances as would otherwise be covered hereunder, it will be presumed that the insured person suffered death resulting from an accident covered by this policy at the time of such disappearance, sinking or wrecking. Maximum Liability on Personal Accident Where any individual life is insured under multiple policies which contain Accidental Death and Permanent Disablement covers and are issued by us and/or our related companies, the maximum liability in respect of any one (1) individual life under all Accidental Death and Permanent Disablement covers shall not exceed HKD5,000,000 in aggregate and each policy shall bear a proportionate share of the total loss. Exclusions applicable to Section 1 This section does not cover any loss caused by an injury which is a consequence of any kind of disease and/or illness. Section 2 Medical Cover 2.1 Medical Expenses If the insured person suffers from injury or illness during the insured journey and incurs reasonable medically necessary expenses, we will reimburse the actual medically necessary expenses to the insured person. Follow-up Medical Expenses This section also insures the insured person up to the sub-limit as stated in the Table of Benefits against any actual medically necessary expenses charged by a medical practitioner in Hong Kong for the continuation of medical treatment sought by the insured person for the above injury or illness within three (3) months after the insured person s return to Hong Kong. The Follow-up Medical Expenses shall also be extended to cover the medical expenses incurred for the same purpose paid to the Chinese medicine bone-setting or acupuncture treatment subject to an aggregate limit of HKD5,000 and a per visit and per day limit of HKD200. We will also reimburse any actual medically necessary expenses charged by a medical practitioner in Hong Kong for the medical treatment sought by the insured person for infectious disease that is contracted during the insured journey and corresponding follow-up diagnosis within ten (10) days after the insured person's return to Hong Kong. The total amount payable under this extension shall not exceed the sub-limit for follow-up medical expenses due to illness as stated in the Table of Benefits. No Follow-up Medical Expenses shall be provided if the insured person returns to Hong Kong after twelve (12) consecutive months from the first day of the above injury or illness was sustained. Overseas Traveling Expenses for Seeking Medical Treatment We extend to reimburse any traveling expenses (subject to a receipt proof) up to a maximum benefits as stated in the Table of Benefits to the insured person for the purpose of seeking medical treatment in an overseas hospital if the insured person suffers from injury or illness during the insured journey. In no event shall the total amount payable under this Section Medical Expenses exceed 100% of the maximum benefits as stated in the Table of Benefits. 2.2 Overseas Hospital Daily Cash Benefit If the insured person is confined in an overseas hospital due to an injury or illness during the insured journey, we will pay a daily allowance up to the maximum benefits as stated in the Table of Benefits. Quarantine Cash Allowance due to Infectious Disease In the event that the insured person is suspected or confirmed to have contracted infectious disease during the insured journey and results in compulsory quarantine by the local government, or by the Hong Kong Government within three (3) days upon completion of the insured journey and returning to Hong Kong, we will pay the insured person a daily quarantine cash allowance up to the maximum benefits as stated in the Table of Benefits. In the event that more than one (1) compulsory quarantine has been arisen in the same insured journey, the maximum amount payable under this benefit shall not exceed the maximum benefits as stated in the Table of Benefits. The insured person can claim only either the Overseas Hospital Daily Cash Benefit or the Quarantine Cash Allowance due to Infectious Disease. In no event shall the total amount payable under this extension exceed the maximum benefits as stated in the Table of Benefits. Special Conditions applicable to Overseas Hospital Confinement or Quarantine Cash Allowance due to Infectious Disease 1. This benefit is only payable when the infectious disease has been rated at phase 5 or above under the Epidemic and Pandemic Alert and Response by the World Health Organization on or before the first day of compulsory quarantine of the insured person during the insured journey, or the Hong Kong Government has activated the Government s Preparedness Plan for Influenza Pandemic to the highest level Emergency Response Level on or before the first day of compulsory quarantine of the insured person in Hong Kong. 2. Any dwelling quarantine is excluded from this benefit. 3. No benefit shall be payable if the planned destination(s) has been declared as an infected area on or before the departure date of the insured journey. 2.3 Follow-up Hospital Daily Cash Benefit If the insured person is confined in a hospital in Hong Kong within three (3) months after the insured person s return to Hong Kong for continuation of any medical treatment due to an injury or illness during the insured journey, we will pay a daily allowance up to the maximum benefits specified in the Table of Benefits. 2.4 Trauma Counseling Expenses If during the insured journey, an insured person is the victim of a traumatic event including, but not limited to armed hold-up, assault, natural disaster or acts of terrorism, we shall pay the cost of trauma counseling incurred in Hong Kong within three (3) months after the insured person's return to Hong Kong. The trauma counseling must be recommended by a medical practitioner in writing and agreed by us with our prior written consent. The maximum limit we will pay shall not exceed the maximum benefits as stated in the Table of Benefits. Exclusions applicable to Section 2 1. non-essential medical treatment that is not recommended by a medical practitioner; 2. any loss or medical expenses arising from any travel contrary to the advice of a medical practitioner or for the purpose of receiving medical or surgical treatment; 3. any follow up treatment expenses incurred outside Hong Kong; 4. any expense incurred or services provided by another party for which the insured person is not liable to pay, or any expenses already included in the cost of the insured journey; 5. dental care and treatment unless such cost is necessarily incurred due to the necessary dental treatment for the sound and natural teeth of the insured person and is caused by injury during the insured journey; 6. cosmetic surgery, refractive errors of eyes or hearing-aids, and prescriptions therefor except necessitated by injury occurring during the insured journey; 7. surgery or medical treatment which is not substantiated by a written report from a qualified medical practitioner; 8. 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; 9. any follow-up medical expenses paid to the Chinese medicine bone-setter or acupuncturist who is the insured person or immediate family member; 10. any loss if the insured person refuses to follow the recommendation of a qualified medical practitioner to return to Hong Kong, or refuses to continue the insured journey whilst the insured person s physical condition at the time of recommendation is fit for travel, or 11. any additional cost of single or private room accommodation at a hospital or charges in respect of special or private nursing except in the event of an emergency medical evacuation or repatriation under Section Emergency Medical Evacuation; non-medical personal services such as radio, telephone and the like procurement or use of special braces, appliances or equipment. Section 3 Emergency Assistance Zurich Emergency Assistance will pay the following benefits in the event that the insured person has suffered from injury or illness during the insured journey: 3.1 Compassionate Visit In the event that the insured person suffered from serious physical injury or serious illness and being confined in a hospital outside Hong Kong for over three (3) consecutive days, we will pay for one (1) economy class round-trip airfare for one (1) immediate family member to travel over to be with and/or take care of the insured person. This coverage can only be utilized once during any one (1) insured journey. 3.2 Emergency Medical Evacuation The actual cost of transportation, medical services and medical supplies necessarily and unavoidably incurred as a result of an emergency medical evacuation or repatriation of the insured person. The timing, means and final destination of evacuation will be decided by Zurich Emergency Assistance and will be based entirely upon medical necessity. 3.3 Repatriation of Mortal Remains The reasonable and unavoidable expenses for transporting the insured person s mortal remains from the place of death back to either Hong Kong, or the cost of local burial at the place of death as approved by Zurich Emergency Assistance. 3.4 Return of Unattended Children Zurich Emergency Assistance will pay for a one-way economy class airfare up to the maximum benefits as stated in the Table of Benefits for returning the insured person s unattended child(ren) aged below seventeen (17) years back to Hong Kong in the event of death or confinement of the insured person in a hospital outside Hong Kong for over three (3) consecutive days due to serious physical injury or serious illness. If necessary, we will also arrange a qualified attendant to accompany the unattended child(ren) on the return journey 3.5 Deposit Guarantee for Hospital Admission Upon admission to a hospital, Zurich Emergency Assistance will guarantee the medical expenses incurred by the insured person in the hospital up to a limit of HKD78,000 in respect of any one (1) insured person. Such expenses are to be borne by the insured person unless otherwise covered under Section 2 - Medical Cover of this policy. 3.6 Additional Accommodation Expenses Zurich Emergency Assistance shall pay for the additional hotel accommodation expenses necessarily and unavoidably incurred by the insured person related to an incident requiring emergency evacuation to resume the course of the insured person s insured journey or to return him/her to Hong Kong subject to HKD1,950 per day and up to a limit of HKD7,800. Prior approval and determination on the payment of the expenses incurred by the insured person shall be based on medical grounds hour Telephone Hotline and Referral Services (i) Pre-trip Information Assistance (ii) Embassy Referral (iii) Medical Service Provider Referral (iv) Lost Passport Assistance (v) Lost Luggage Assistance (vi) Interpreter Referral (vii) Lawyer Referral (viii) Telephone Medical Advice (ix) Monitoring of Medical Condition When Hospitalized (x) Arrangement for Medical Expenses Guarantee In respect of medical practitioner services (ix) and (x) above, hospitalization expenses or medical expenses charged to the insured person by a hospital, medical practitioner other than our approved doctors, or any other medical professions are to be borne by the insured person unless otherwise covered under this policy. ZURICH EMERGENCY ASSISTANCE is rendered by the service provider which is nominated by Zurich Insurance Company Ltd. Exclusions applicable to Section 3 No service will be provided or paid under this section: 1. when the insured person is located in areas which represent war risks or political conditions such as to make the provision of services under this section impossible or reasonably impracticable; 2. for emergency medical evacuation or repatriation of mortal remains or other cost not approved in advance and in writing and/or not arranged by Zurich Emergency Assistance. This exclusion shall not apply to emergency medical evacuation from remote or primitive areas where Zurich Emergency Assistance cannot be contacted in advance and delay might reasonably be expected to result in loss of life or extreme prejudice to the insured person s prospect; 3. when the insured person is residing or travelling outside Hong Kong contrary to the advice of a medical practitioner; or 4. when the insured person is residing or travelling outside Hong Kong for the purpose of obtaining medical treatment or for rest and recuperation following any prior injury or illness. Section 4 Personal Effects and Liability 4.1 Baggage and Personal Effects We will pay the insured person up to the maximum benefits as stated in the Table of Benefits and subject to the sub-limits below, for the accidental loss of or damage to the personal possessions including luggage during the insured journey which are normally worn or carried by and owned by the insured person. We may make payment or at our option to reinstate or repair as we may elect, subject to due allowance for wear and tear and depreciation. If any damaged article is proven to be beyond economical repair, a claim will be dealt with as if the article has been lost. Sub-limits for Personal Baggage are as follows: (a) HKD3,000 for any one (1) article, pair, set or collection in respect of any one (1) insured person; (b) HKD10,000 (for Elite Plan) or HKD15,000 (for Royal Plan) for one (1) lap-top computer in respect (c) of any one (1) insured person; and/ or An aggregate maximum limit of HKD5,000 (for Elite Plan) or HKD10,000 (for Royal Plan) for all cameras and camcorders and their accessories and related equipment. In no event shall the total amount payable under this Section 4.1 Baggage and Personal Effects exceed 100% of the maximum benefits as stated in the Table of Benefits. Exclusion applicable to Section the following classes of property: business goods or sample, foodstuffs and/or medicine, contact lenses, dentures and/or its appliances, animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, or any other conveyances, household furniture, antiques, any kind of jewelleries or accessories make of or contain of any kind of gold, platinum, diamond, jade or pearl, mobile phone (including PDA phone, smart phone or similar device with telecommunications function and other accessories), money (including cheques, traveller s cheques, etc), plastic money (including the credit value of credit card, Octopus cards, etc), coupons or securities, bonds, negotiable instruments, tickets or documents; 2. lap-top computer with any problems or defects triggered from software and malicious code (including but not limited to download of such software); 3. any loss not reported to the local police or public authority within twenty-four (24) hours of discovery and such local report is not obtained; 4. any loss or damage caused by wear, tear, gradual deterioration, insects, vermin, corrosion, rot, mildew, fungus, atmospheric conditions, the action of light, any process of heating, drying, cleaning, dyeing, alteration or repair, scratching, denting, breakdown, misuse, faulty workmanship or design, the use of faulty materials, or its resulting loss or damage; 5. any loss or damage resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism, or action taken by government authorities in hindering, combating or defending against such an occurrence; destruction under quarantine or customs regulations, confiscation or detention by customs or other government officials or risk of contraband or illegal transportation or trade; 6. any loss of property not being on the same public common carrier of the insured person, or souvenirs and articles mailed or shipped separately; 7. any loss of or damage to property which resumes to function normally after it has been fixed or repaired by a third party with no additional costs incurred to the insured person; 8. any loss of property when it is left unattended in public place, in unlocked vehicle or in vehicle which is left unattended with no one inside; 9. any loss of data recorded on tapes, cards, diskettes; 10. damage to any brittle or fragile items such as glass or crystal;

4 11. any loss of or damage to property while in the custody of a hotel or public common carrier, unless reported immediately on discovery in writing to such hotel or public common carrier within three (3) days and a Property Irregularity Report is obtained in the case of the event occurred in an airline; 12. any loss claimed under Section Baggage Delay Cover arising from the same cause; 13. any loss of or damage to property insured under any other insurance certificate/policy, or otherwise reimbursed by public common carrier or a hotel. 4.2 Baggage Allowance due to Sinkage of Cruise Ship If the insured person has permanently lost his/her personal baggage due to sinkage of the cruise ship during the voyage, we will pay to the insured persons a lump sum allowance specified in the Table of Benefits. Exclusion applicable to Section 4.2 This section does not cover any loss of property not being on the same cruise ship of the insured person, or souvenirs and articles mailed or shipped separately. 4.3 Loss of Personal Money We will reimburse the insured person up to the maximum benefits as stated in the Table of Benefits for the loss of personal money, defined as cash, cheques, money order or traveler s cheques only, belonging to and being carried by the insured person or in a locked hotel room or in a locked cabin on a cruise ship due to robbery, burglary or theft occurring during the insured journey. Exclusions applicable to Section In respect of loss not reported to the local police, cruise ship management, hotel management or public authority within twenty-four (24) hours upon discovery of loss and for which a relevant report is not obtained at the place of loss; 2. loss of traveller s cheque not immediately reported to the local branch or agent of the issuing authority; 3. shortage due to error, omission, exchange or depreciation in value; or 4. any unexplained loss or mysterious disappearance. 4.4 Loss of Travel Document and/or Travel Ticket We will pay for the replacement cost of the Hong Kong Identity Card, credit cards, driving license, travel ticket or travel document belonging to the insured person following the accidental loss during the insured journey. In the event of the accidental loss of travel ticket and/or travel document belonging to the insured person during the insured journey, we will also reimburse the additional travelling expenses and/or accommodation expenses incurred to the insured person, provided that the travelling class and/or the room type for the accommodation shall not be better than the original travelling class and/or the room type for the accommodation in the insured journey. In no event shall the total amount payable under this Section 4.4 Loss of Travel Document and/or Travel Ticket exceed 100% of the maximum benefits as stated in the Table of Benefits. Cruise Rejoining Expense due to Loss of Travel Document during Shore Excursion In the event that the travel document of the insured person is accidentally lost during the insured person s shore excursion during a voyage, as a result of which the insured person stays in the place where the loss occurs for the sole purpose of obtaining the replacement of the travel document for continuation of the insured journey, we will reimburse the additional cost of one (1) economy class one-way travel ticket to enable the insured person to travel to the next scheduled port of call specified in the original itinerary of the voyage and/or reasonable actual accommodation expenses incurred by the insured person at the place of loss, up to the maximum benefits specified in the Table of Benefits. Exclusions applicable to Section any loss not reported to the local police within twenty-four (24) hours upon discovery of loss and for which such police report is not obtained at the place of loss; 2. loss of any travel document and/or visa and/or travel ticket which is not indispensible for completing the insured journey; 3. any unexplained loss or mysterious disappearance; 4. any fine or penalties incurred due to non-replacement or late replacement of the documents by the insured person; or 5. the claim of both temporary and permanent versions of the same travel document. In the event of such loss, the insured person may claim only either one (1) version. 4.5 Unauthorized Use of Lost Credit Card We will reimburse the insured person up to the maximum benefits as stated in the Table of Benefits for the monetary loss due to unauthorized use of credit card within the insured journey provided that the credit card is accidentally lost when carried with the insured person during the insured journey. Exclusions applicable to Section in respect of loss not reported to the local police or cruise ship management within twenty-four (24) hours upon discovery of loss and for which a relevant report is not obtained at the place of loss; 2. loss of credit card not immediately reported to the local branch or agent of the issuing authority; or 3. any unexplained loss or mysterious disappearance. 4.6 Personal Liability We will indemnify any amount which the insured person becomes legally liable to pay as compensation for an accident occurring during the insured journey which causes injury to a third party or damage to property of a third party. However, the insured person must not make any offer or promise of payment or admit liability to any other party, or become involved in any litigation without our prior written approval. We will pay up to the maximum benefits as stated in the Table of Benefits inclusive of costs agreed by us in writing. Exclusions applicable to Section 4.6 This section does not cover liability arising directly or indirectly from: 1. any employment, business, profession or trade; 2. any wilful, malicious or unlawful act of the insured person or any criminal acts; 3. liability to any person who is the immediate family member or relative or employer or employee; 4. contractual liability; 5. ownership, possession, use or control of any vehicle, aircraft, watercraft, land, buildings, firearms or animals; 6. damage to property owned by or held in trust or in the custody of the insured person or the immediate family member or relative or employer; 7. any act of terrorism, regardless of any other cause or event contributing concurrently or in any other sequence to the loss; or 8. any action in controlling, preventing, suppressing, retaliating against or responding to any such act of terrorism. Section 5 Travel Inconvenience Cover 5.1 Travel Delay Cover (a) Travel Delay In the event that the public common carrier in which the insured person has arranged to travel is delayed for at least six (6) hours from the departure or arrival time specified in the insured person s original itinerary as a result of strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the public common carrier, we will pay HKD300 for each and every full six (6) hours of delay up to the maximum benefits as stated in the Table of Benefits. The period of delay will be calculated from either: departure delay will be calculated from the original scheduled departure time of the public common carrier specified in the itinerary supplied to the insured person until the actual departure time (i) of the original public common carrier or (ii) the first available alternative transportation offered by that public common carrier; or arrival delay will be calculated from the original arrival time specified in the itinerary provided by the public common carrier supplied to the insured person until the actual arrival time of (i) the original public common carrier or (ii) the first available alternative transportation offered by that public common carrier. The insured person can only claim for either departure or arrival delay of the same public common carrier. If the insured person has consecutive connected flights, each period of delayed hours cannot be accumulated and the proximate cause of the delay must be due to the above-mentioned reasons. (b) Extra Hotel Cost due to Travel Delay In the event that the outward or transit of the public common carrier in which the insured person has arranged to travel abroad is delayed for more than six (6) hours from the time specified in the insured person s original itinerary as a result of strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the public common carrier, we will pay the additional, reasonable and irrecoverable accommodation expenses incurred outside Hong Kong, up to the maximum benefits as stated in the Table of Benefits. (c) Extra Re-routing Costs due to Travel Delay and Missed Connection to Cruise Ship In the event that the public common carrier in which the insured person has scheduled to travel is cancelled as a consequence of the public common carrier being delayed for more than six (6) hours after the insured person s check-in due to strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the public common carrier and that public common carrier fails to arrange an alternative transportation, we will pay up to the maximum benefits as stated in the Table of Benefits for the additional costs of travel ticket (economy class only) incurred by the insured person to reach the planned destination as specified in his/her original itinerary. In the event that the public common carrier which the insured person has arranged for traveling to the scheduled cruise ship is delayed for more than six (6) hours after the insured person s check-in due to strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the public common carrier and as a result of which, the insured person fails to board the scheduled cruise ship, we will pay up to the maximum benefits specified in the Table of Benefits for the additional costs of one (1) economy class one-way travel ticket incurred by the insured person to enable the insured person to travel to the next scheduled port of call specified in the original itinerary of the voyage. (d) Cruise Cancellation due to Travel Delay In the event that the cruise ship is located overseas at the relevant time, and the public common carrier which the insured person has arranged for traveling to the cruise ship is delayed in excess of ten (10) hours from the scheduled arrival time specified in the itinerary due to adverse weather condition, natural disaster, terrorism or strike or other industrial action by the employees of the public common carrier, as a direct result of which the insured person fails to board the scheduled cruise ship and cancel the cruise, we will reimburse the forfeited fees incurred by the insured person arising from the cancellation of the cruise up to the maximum benefits specified in the Table of Benefits provided that such forfeited fees are not recoverable from any other source. Special Conditions for Section The insured person must check-in in accordance with the original scheduled public common carrier and all claims must be substantiated by written confirmation from the public common carrier on the duration and the reason for such delay. 2. The insured person may make a claim pursuant to either Section 5.1 (c) or 5.1 (d), but not both Section 5.1 (c) and 5.1 (d), in respect of any losses arising from the same cause. Exclusions applicable to Section any circumstances leading to the relevant delay of the insured journey which is existing or announced before the effective date; 2. any loss arising from late arrival of the insured person at the airport or port (i.e. arrival at a time later than the time required for check-in or booking except for the late arrival due to strike by the employees of the public common carrier); 3. any loss in relation to alteration to the original itinerary that is not verified by the airline, travel agency, cruise ship company, or other relevant organizations; 4. any circumstances covered by any other insurance scheme, government programme or which will be paid or refunded by travel agency, tour operator or other provider of any service forming part of the booked itinerary (except for Section 5.1(a) - Travel Delay); 5. any losses claimed under Section 5.3 arising from the same cause (applicable to Section 5.1(d) Cruise Cancellation due to Travel Delay only); or 6. any loss arising from any circumstances if the insured person refuses to take the first available alternative transportation offered by the original public common carrier. 5.2 Baggage Delay Cover (a) Baggage Delay Allowance In the event of the insured person s checked-in baggage being delayed for over six (6) hours after the insured person s arrival at the scheduled destination abroad, we will pay a lump sum allowance to the insured person as stated in the Table of Benefits. (b) Additional Allowance for Baggage Delay after Boarding the Cruise Ship In the event that the public common carrier which the insured person has arranged for traveling and carrying his/her checked-in baggage to the scheduled cruise ship is delayed, and the baggage is not delivered within twenty-four (24) hours after the insured person has boarded the cruise ship, we will pay a lump sum allowance to the insured person specified in the Table of Benefits. Special Condition for Section 5.2 All claims must be substantiated by written confirmation from the public common carrier on the duration and the reason for such delay. Exclusions applicable to Section 5.2 These sections do not cover: 1. any baggage not being on the same public common carrier of the insured person or souvenirs and articles mailed or shipped separately; 2. in respect of loss resulting directly or indirectly from insurrection, rebellion, revolution, civil war, usurped power, terrorism, or action taken by governmental authorities in hindering, combating or defending against such an occurrence; detention or destruction under quarantine or customs regulations, confiscation by order of any Government of Public Authority or risk of contraband or illegal transportation or trade; or 3. any loss claimed under Section Baggage and Personal Effects arising from the same cause. 5.3 Cancellation of Trip In the event that the insured person has to cancel the insured journey as a result of any of the following: (i) death, serious physical injury or serious illness of the insured person, immediate family member or travel companion occurring within one hundred and eighty (180) days before the commencement date of the insured journey; (ii) witness summons, jury service which require the insured person s presence in Hong Kong during the insured journey; (iii) compulsory quarantine of the insured person within one (1) week before the commencement (iv) date of the insured journey; or unexpected outbreak of strike, riot, civil commotion, terrorism, infectious disease, adverse weather conditions or natural disaster at any of the planned destinations arising within one (1) week before the commencement date of the insured journey, we will pay the loss of unused travel fare and/or accommodation expenses and/or cruise fare which have been paid in advance and for which the insured person is legally liable and which are not recoverable from any other sources, up to the maximum benefits specified in the Table of Benefits. 5.4 Curtailment of Trip In the event that the insured person has to abandon the insured journey and return to Hong Kong after the insured journey has begun due to: (i) (ii) (iii) death, serious physical injury or serious illness of the insured person, immediate family member or travel companion; unexpected outbreak of strike, riot, civil commotion, terrorism, infectious disease, adverse weather conditions or natural disaster at any of the planned destinations which prevents the insured person from continuing with his/her scheduled journey; or serious damage to the insured person s principal home in Hong Kong arising from fire, flood or burglary, we will pay for the loss of unused travel fare and/or accommodation expenses and/or cruise fare for which the insured person is legally liable and which is not recoverable from any other sources, or additional actual travel fare and accommodation expenses reasonably and necessarily incurred. The amount of benefit payable under this Section 5.4 will be calculated in proportion to the number of unused days of the insured journey after the relevant interruption in view of the original itinerary of the insured journey. The insured person can only claim either the forfeited expenses for unused days of the insured journey or additional expenses incurred for the curtailment. In no event shall the total amount payable under Section 5.4 Curtailment of Trip exceed the maximum benefits specified in the Table of Benefits. Exclusions applicable to Section 5.3 and Section 5.4 These sections do not cover: 1. any circumstances leading to the cancellation or curtailment of the insured journey which is existing or announced before the effective date;