無論您出外旅遊公幹或安排子女短期遊學, 中銀集團保險的環宇旅遊綜合險均能為您提供周全保障, 不設自負額, 讓您及家人盡情享受寫意自在的愉快旅程緊急支援旅途無憂我們特設 24 小時全球緊急支援熱線, 由專人為您提供緊急醫療救援及旅遊諮詢等緊急援助及資料我們同時備有多項增值服務, 涵蓋外

Size: px

Start display at page:

Download "無論您出外旅遊公幹或安排子女短期遊學, 中銀集團保險的環宇旅遊綜合險均能為您提供周全保障, 不設自負額, 讓您及家人盡情享受寫意自在的愉快旅程緊急支援旅途無憂我們特設 24 小時全球緊急支援熱線, 由專人為您提供緊急醫療救援及旅遊諮詢等緊急援助及資料我們同時備有多項增值服務, 涵蓋外"

叠能
5 years ago
Views:

1 Universal Travel Insurance

2 無論您出外旅遊公幹或安排子女短期遊學, 中銀集團保險的環宇旅遊綜合險均能為您提供周全保障, 不設自負額, 讓您及家人盡情享受寫意自在的愉快旅程緊急支援旅途無憂我們特設 24 小時全球緊急支援熱線, 由專人為您提供緊急醫療救援及旅遊諮詢等緊急援助及資料我們同時備有多項增值服務, 涵蓋外地入院保證金律師或翻譯員轉介協助補領護照或簽證等, 讓您無牽無掛地盡享旅遊樂趣 1 人身意外雙倍賠償如受保人於旅途上因乘搭公共交通工具而導致死亡或永久完全傷殘, 人身意外保障額以雙倍計算, 高達 HK$400 萬 ( 只適用於單次旅程計劃 ) Whether you are traveling on holiday, business or planning a short-term overseas study trip for your children, Universal Travel Insurance from BOCG Insurance provides you with a comprehensive excess free protection plan for you and your family members to enjoy a truly worry-free journey. Emergency Worldwide Assistance Our 24-hour Worldwide Emergency Assistance Hotline will give you emergency medical evacuation, as well as travel advice in case of emergency. To ensure that you are well covered for a hassle-free trip, a wide-ranging value-added services like overseas hospital admission deposit guarantee, referral of lawyer or interpreter service, passport or visa replacement are also available. Double Accident Protection 1 In the event of death or permanent total disablement while traveling on public conveyance, personal accident benefit will be doubled up to HK$4 million. (Only applicable to Single Travel Plan) 全年保險節省保費如您經常外出旅遊或公幹, 可選擇全年保險計劃, 既可節省保費, 亦免卻逐次投保的不便 1 危險活動額外保障我們特別將多種受歡迎的冒險性活動列入保障範圍, 如吊索跳滑翔風箏跳降落傘激流快艇水上電單車攀山登山攀石及熱氣球等, 讓您無須多付保費, 也可獲享保障 ( 不適用於職業運動員或進行比賽 ) More Premium Savings for Annual Travel Plan If you are a frequent traveler, why not choose our Annual Travel Plan that gives you continuous protection throughout the year with great premium savings. Free Coverage for Dangerous Activities 1 Many popular adventurous sports are covered without extra cost, including bungee jump, hang-gliding, parachuting, rafting, speedboating, jet-skiing, trekking, mountaineering, rock-climbing and hotair ballooning, and the like. (Not applicable to professional players or those engaging in racing or competition) 家居財物保障如在外遊期間, 您的居所遭遇爆竊而招致家居財物損毀, 可獲高達 HK$25,000 的保障 Home Contents Protection In the event of burglary while you are traveling away from home, your home contents will also be protected up to HK$25,000. 註 : 1. 不適用於 18 歲以下或 70 歲以上人士 2. 以每次旅程計算 ( 惟全年保險計劃的 " 人身意外 " 保障則以每保單年度計算 ) Remarks: 1. Not applicable to the persons aged under 18 or over Payable on a "per journey basis" (except for "Personal Accident" benefit under the Annual Travel Plan which is payable on a "per policy year basis").

3 人身意外意外雙倍賠償身亡撫恤金醫療及有關費用個人行李及財物行李延誤個人錢財及證件個人責任行程延誤 / 更改行程取消旅程縮短旅程家居財物損失 24 小時全球緊急支援服務保障項目及承保範圍死亡 / 永久完全傷殘 / 喪失雙肢 / 雙目失明 / 喪失一肢及一目 / 嚴重燒傷 ( 賠償按燒傷面積計算 ) 喪失一肢或一目 / 永久喪失語言能力 / 雙耳永久完全失聰 ( 最高賠償額為所列金額的 50%) (18 歲以下或 70 歲以上人士的最高賠償額為 HK$250,000) 因乘搭公共交通工具而導致意外死亡或永久完全傷殘 ( 本保障不適用於 18 歲以下或 70 歲以上人士, 並只適用於單次旅程計劃 ) 受保人於旅遊期間因意外或疾病身故 ( 如因疾病身故, 最高賠償額為所列金額的 30%) 1. 在旅程期間因意外身體損傷或疾病而產生的醫療費用, 包括門診手術費及醫生費用 (18 歲以下或 70 歲以上人士的最高醫療限額為 HK$250,000) 1.1 回港後 3 個月內的覆診費 ( 包括跌打及中醫診治費, 最高賠償額為每天 HK$150 及總額不超過 HK$1,500) 1.2 身故後遺體運返費用 ( 在任何情況下, 項目 1 的合計最高賠償額不得超過項目 1 所選計劃內最高賠償額的 100%) 2. 每日住院現金津貼 : 支付受保人在旅程期間因身體損傷或疾病而在外地住院或即時返回香港後的每日住院現金津貼 ( 住院需超過 24 小時 ) 個人行李及財物被盜意外遺失或損毀 ( 每件 / 每套上限 :HK$2,500) 行李在外地因誤送或劫機而延遲抵達目的地超過 8 小時, 受保人需緊急購置必需品的費用因搶劫引致損失現金旅行支票及補領機票或其他旅遊證件的費用保障受保人因疏忽引致第三者傷亡或財物損失而須承擔法律責任飛機或輪船因罷工工業行動惡劣天氣或機械故障導致延誤起航並超逾 8 小時, 受保人可獲以下其中一項賠償 : a. 每 8 小時的延誤可獲賠償 HK$250; 或 b. 更改行程所引致必須的額外交通費及住宿費用如受保人或其近親或業務合夥人因生病遭遇嚴重意外或死亡而須臨時取消旅程, 可獲賠償不能退回的訂金及已付的費用旅程開始後, 如受保人或其同行人士或近親或業務合夥人因死亡受傷生病或所乘的飛機被騎劫而需縮短旅程, 其不能退回的部分旅費可獲賠償受保人在旅遊期間因被搶劫爆竊或偷竊導致遺失旅行證件, 在補領證件期間所需的額外住宿費受保人於離港旅遊期間, 其居所在空置情況下遭爆竊而導致家居財物損失或損毀按醫生建議接受緊急醫療救援及運送回港服務 2 每位受保人最高賠償額 (HK$) 單次旅程計劃全年保險計劃鑽石計劃金計劃銀計劃優越計劃 2,000,000 1,000, ,000 1,000,000 4,000,000 2,000,000 1,000,000-50,000 30,000 15,000 30,000 1,000, , ,000 1,000, ,000 60,000 30,000 60,000 50,000 50,000 50, ,000 7,500 6,000 4,500 6,000 ( 每天 500) ( 每天 400) ( 每天 300) ( 每天 500) 15,000 10,000 5,000 15,000 2,000 1,500 1,000 1,500 6,000 5,000 4,000 5,000 2,000,000 1,800,000 1,500,000 2,500,000 3,000 2,500 2,000 2,500 10,000 5,000 2,500 5,000 25,000 15,000 10,000 10,000 ( 每項 5,000) ( 每項 4,000) ( 每項 3,000) ( 每項 3,000) 詳情請閱保單

4 Personal Accident Double Indemnity Compassionate Death Cash Benefit Medical and Relevant Expenses Baggage and Personal Effects Delayed Baggage Personal Money and Travel Documents Personal Liability Travel Delay/Re-routing Cancellation Curtailment Loss of Home Contents 24-hour Emergency Assistance Service Insured Items and Coverage Death / permanent total disablement / loss of both limbs / loss of sight of two eyes / loss of one limb and one eye / major burns (Claims settlement in accordance with body surface area burnt) Loss of one limb or one eye / permanent total loss of speech / permanent total loss of hearing in both ears (maximum benefit payable is 50% of the specified amount) (Maximum benefit payable for persons aged under 18 or over 70 is HK$250,000) Payment for accidental death or permanent total disablement arising from the use of public conveyance (not applicable to the persons aged under 18 or over 70, and only applicable to Single Travel Plan) Death of the insured person as a result of accident or sickness occurred during the journey (in the event of death caused by sickness, maximum benefit payable is 30% of the specified amount) 1. Medical, hospital and treatment expenses incurred as a direct result of accidental bodily injury or sickness occurred during the journey. (Maximum benefit payable for persons aged under 18 or over 70 is HK$250,000) 1.1 medical, hospital and treatment expenses incurred in Hong Kong within 3 months after the insured person's return from abroad. (For Chinese herbalists and bonesetters treatment expenses, maximum benefit payable is HK$150 per day and up to a total of HK$1,500) 1.2 expenses associated with transport of body to Hong Kong (In no event shall the total amount payable under item 1 exceeds 100% of the corresponding limit in item 1 as stated in the selected plan) 2. Daily hospital cash benefit: payable for hospital confinement exceeding 24 hours either outside Hong Kong or immediately return to Hong Kong as a result of bodily injury or sickness incurred during the journey Loss of or damage to baggage and personal effects (up to HK$2,500 for any one article / any one pair of articles) Emergency purchases of essential items or clothing due to misdirection in delivery or hi-jack abroad for at least 8 hours Loss of cash / travelers' cheques as a direct result of robbery and cost of replacing travel documents or air ticket Indemnifies the insured person for legal liability as a result of accidental bodily injury to any person or accidental loss of or damage to the third party's property If the scheduled flight or sea vessel is delayed for more than 8 hours as a result of strike, industrial action, poor weather or mechanical breakdown, one of the following benefits will be payable to the insured person: a. cash benefit of HK$250 will be paid for each full 8 hours delay; OR b.additional transportation and accommodation expenses necessarily incurred by the insured person for re-routing Protection for the insured person against the loss of irrecoverable deposits or charges if the trip has to be cancelled due to death, illness or serious accident of the insured person or his/her family members or business partners If the trip has to be curtailed after its commencement due to the death, injury, illness or hi-jack occurring to the insured person or his/her family members or business partners, the irrecoverable prepaid cost calculated on a pro rata basis will be indemnified Additional accommodation expense necessarily incurred to obtain lost travel documents arising out of robbery, burglary or theft during the travel period Cover loss of or damage to home contents due to burglary happening at the insured person's unoccupied home whilst the insured person is traveling away from Hong Kong Worldwide emergency medical evacuation & repatriation expenses to Hong Kong under doctor's recommendation Maximum Benefits Payable 2 (each insured person) (HK$) Single Travel Plan Annual Travel Plan Diamond Plan Gold Plan Silver Plan Privilege Plan 2,000,000 1,000, ,000 1,000,000 4,000,000 2,000,000 1,000,000 50,000 30,000 15,000 30,000 1,000, , ,000 1,000, ,000 60,000 30,000 60,000 50,000 50,000 50, ,000 7,500 6,000 4,500 6,000 (500/day) (400/day) (300/day) (500/day) 15,000 10,000 5,000 15,000 2,000 1,500 1,000 1,500 6,000 5,000 4,000 5,000 2,000,000 1,800,000 1,500,000 2,500,000 3,000 2,500 2,000 2,500 10,000 5,000 2,500 5,000 25,000 15,000 10,000 10,000 (5,000/ item) (4,000/ item) (3,000/ item) (3,000/ item) Refer to policy for details

5 保期自動延續倍感安心如您因乘搭的交通工具延誤而未能於受保期內完成旅程, 保險期將會免費自動延續 10 天或至旅程完成為止, 兩者以較早者為準 ( 只適用於單次旅程計劃 ) Automatic Cover Period Extension If you are unable to complete your journey as a result of transport delay, the period of insurance for that journey will be automatically extended for free, subject to a maximum of 10 days or until the completion of the journey, whichever is earlier. (Only applicable to Single Travel Plan) 主要不承保事項 ( 查詢詳情及其他不承保項目, 請參閱保單 ) 在受保前已存在的疾病或身體殘缺戰爭暴亂恐怖主義活動職業性競技自殺懷孕酗酒濫用藥物愛滋病海外留學 ( 學童海外遊學保障除外 ) 移民商務旅程從事危險任務計劃或勞動工作注意事項投保限制 : 受保人須為年齡介乎 6 個星期至 75 歲的香港合法居民投保須知 : (1) 年齡達 18 歲或以上人士須獨立投保 (2) 年齡介乎 6 個星期至 17 歲的人士如非與父母同行, 可獨立投保單次旅程計劃或全年保險計劃, 惟需繳付成人保費, 並需在成人照顧及陪同下完成整個旅程而其所享有的 " 醫療及有關費用 " 的最高賠償額將會與 18 至 70 歲的成人保額相同 (3) 18 歲以下人士須由父母或監護人簽署投保書免費學童海外遊學保障 : 單次旅程計劃或全年保險計劃均設免費學童海外遊學保障, 但受保學童須為年齡介乎 6 個星期至 23 歲未婚及在香港學校就讀的全讀學生, 而年齡介乎 6 個星期至 17 歲的人士在遊學期間必須在成人照顧及陪同下完成整個旅程旅程最高承保期 : (1) 單次旅程計劃 - 最高承保期為 180 天 (2) 全年保險計劃 - 每一單次旅程最高承保期為 60 天 Major Exclusions (For more details, please refer to the policy.) Pre-existing physical defects or sickness, act of war, civil commotion, terrorism, professional sports team, suicide, pregnancy, influence of alcohol, drug addiction, AIDS, traveling for the purpose of study (except Student Overseas Travel Cover), migration, business trip involving any dangerous assignments, projects or occupation of a manual nature. Important Notes Limitation: All insured person(s) must be legal resident(s) of Hong Kong aged between 6 weeks and 75 years. Notes for application: (1) Individual application for insurance is required for persons aged 18 or above. (2) For persons aged between 6 weeks and 17 years who are not traveling with parents, they can apply for Single Travel Plan or Annual Travel Plan individually provided that full adult's premium is paid and the entire journey is accompanied by and with the custody care of an adult. The maximum benefit payable for "Medical and Relevant Expense" will be the same as adults aged 18 to 70. (3) The proposal form must be duly signed by a parent or guardian if the person is under 18 years old. Free Student Overseas Travel Cover: All unmarried full time students in Hong Kong aged between 6 weeks and 23 years will be entitled to Free Student Overseas Travel Cover under the Single Travel Plan or Annual Travel Plan. The entire journey of short-term overseas study for students aged between 6 weeks and 17 years has to be accompanied by and with the custody care of an adult. Maximum cover period: (1) Single Travel Plan - subject to a maximum of 180 days. (2) Annual Travel Plan - maximum 60 days for each trip.

6 保費表 Premium Table (HK$) 3 單次旅程計劃 Single Travel Plan 3 承保期 ( 天數 ) 受保人 4 受保人及配偶 5 受保人及子女 6 家庭 Insurance Period (days) Insured Person Insured Person & Spouse 4 Insured Person & Child(ren) 5 Family 6 鑽石計劃金計劃銀計劃鑽石計劃金計劃銀計劃鑽石計劃金計劃銀計劃鑽石計劃金計劃銀計劃 Diamond Plan Gold Plan Silver Plan Diamond Plan Gold Plan Silver Plan Diamond Plan Gold Plan Silver Plan Diamond Plan Gold Plan Silver Plan 地區 1 7 Area 以後每增加一天 Each additional day 地區 2 8 Area 以後每增加一天 Each additional day

7 10 全年保險計劃 Annual Travel Plan 10 優越計劃 Privilege Plan 受保人 9 Insured Person 9 家庭 6 Family 6 全年保費 Annual Premium 1,140 2,220 註 : 3. 單次旅程計劃的保障一經生效, 保費恕不退還 4. 受保人及配偶指合法夫婦 5. 受保人及子女指父親或母親及其所有同行的合法子女, 子女年齡須介乎 6 個星期至 17 歲未婚及未有工作 6. 家庭指合法夫婦及其所有同行的合法子女, 子女年齡須介乎 6 個星期至 17 歲未婚及未有工作如投保家庭保障, 每一受保項目的合計最高賠償不得超過所選擇計劃最高金額的 200% ( 不適用於 " 家居財物損失 " "24 小時全球緊急支援服務 " 及在 " 人身意外 " " 身亡撫恤金 " 內 18 歲以下或 70 歲以上受保人的保障限額 ) 7. 地區 1: 只限中國內地台灣地區緬甸泰國馬來西亞新加坡印尼菲律賓汶萊越南柬埔寨老撾韓國日本及關島 8. 地區 2: 世界各地 9. 如父親或母親投保全年保險計劃, 其一名同行的合法子女可獲免費保障, 惟子女的年齡須介乎 6 個星期至 17 歲未婚及未有工作 10. 如保單持有人終止全年保險計劃, 亦最少需繳付應付保費的 50% Remarks: 3. Once the cover for Single Travel Plan is in effect, no refund of premium is allowed. 4. "Insured Person & Spouse" refers to legally married couple. 5. "Insured Person & Child(ren)" refers to father or mother traveling with all the legally dependent unmarried child(ren) who is (are) 6 weeks to 17 years old. 6. "Family" refers to legally married couple with all the legally dependent unmarried child(ren) who is (are) 6 weeks to 17 years old. If the family is insured, the maximum benefit payable in each covered section shall not exceed 200% in aggregate of the amount specified in the selected plan (not applicable to "Loss of Home Contents" & "24-hour Emergency Assistance Service" and the benefit limit for insured person aged under 18 or over 70 in "Personal Accident" & "Compassionate Death Cash Benefit"). 7. Area 1: Restricted to the Mainland of China, the Taiwan region, Myanmar, Thailand, Malaysia, Singapore, Indonesia, Philippines, Brunei, Vietnam, Cambodia, Laos, Korea, Japan and Guam. 8. Area 2: Worldwide. 9. One legally dependent unmarried child who is 6 weeks to 17 years old can enjoy free coverage if his/her father or mother is insured under the Annual Travel Plan. 10. If the policyholder terminates the Annual Travel Plan, he/she will still be required to pay at least 50% of the total premium. 備註 : 以上簡介僅供參考, 有關詳細條款概以保單契約為準中銀集團保險有限公司保留隨時修訂或取消各項條款及細則的酌情權, 毋須事先通知上述保險計劃乃由中銀集團保險有限公司承保 Notes: This leaflet is for reference only. Please refer to the policy provisions for exact terms and conditions of the Plan. Bank of China Group Insurance Company Limited reserves the right to amend or withhold any terms and conditions without prior notice. The above insurance plan is underwritten by Bank of China Group Insurance Company Limited. 地址 Address: 香港中環德輔道中 71 號永安集團大廈 9 樓 9/F., Wing On House, 71 Des Voeux Road Central, Hong Kong.

Microsoft Word - IIQE - Gen Study Notes 07_Chi of 4th Draft _31-3-08_ 13-6-08pm no amend.doc

Microsoft Word - IIQE - Gen Study Notes 07_Chi of 4th Draft _31-3-08_ 13-6-08pm no amend.doc 保險中介人素質保證計劃一般保險考試研習資料手冊 2008 年版序言本研習資料手冊是根據一般保險考試的範圍對各章節的不同要求而編寫完成的該考試是以這些材料爲基礎而進行的我們在每一章結束處, 都加入了一些模擬試題, 從