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

Universal Travel Insurance

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 70. 2. 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").

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 1,000,000 500,000 1,000,000 4,000,000 2,000,000 1,000,000-50,000 30,000 15,000 30,000 1,000,000 600,000 300,000 1,000,000 100,000 60,000 30,000 60,000 50,000 50,000 50,000 100,000 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

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 1,000,000 500,000 1,000,000 4,000,000 2,000,000 1,000,000 50,000 30,000 15,000 30,000 1,000,000 600,000 300,000 1,000,000 100,000 60,000 30,000 60,000 50,000 50,000 50,000 100,000 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

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.

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 1 7 1 180 95 77 324 171 139 270 143 116 405 214 173 2 185 99 79 333 178 142 278 149 119 416 223 178 3 200 104 81 360 187 146 300 156 122 450 234 182 4 220 117 85 396 211 153 330 176 128 495 263 191 5 230 122 97 414 220 175 345 183 146 518 275 218 6 240 126 99 432 227 178 360 189 149 540 284 223 7 250 135 113 450 243 203 375 203 170 563 304 254 8 260 140 115 468 252 207 390 210 173 585 315 259 9 290 153 131 522 275 236 435 230 197 653 344 295 10 300 162 135 540 292 243 450 243 203 675 365 304 11 315 165 138 567 297 248 473 248 207 709 371 311 12 320 167 140 576 301 252 480 251 210 720 376 315 13 325 169 142 585 304 256 488 254 213 731 380 320 14 330 171 144 594 308 259 495 257 216 743 385 324 15 350 176 149 630 317 268 525 264 224 788 396 335 16 355 180 153 639 324 275 533 270 230 799 405 344 17 360 189 158 648 340 284 540 284 237 810 425 356 18 365 216 180 657 389 324 548 324 270 821 486 405 19 370 230 189 666 414 340 555 345 284 833 518 425 20 375 243 198 675 437 356 563 365 297 844 547 446 21 380 252 207 684 454 373 570 378 311 855 567 466 以後每增加一天 Each additional day 10 7 5 18 13 9 15 11 8 23 16 11 地區 2 8 Area 2 8 1 200 125 95 360 225 171 300 188 143 450 281 214 2 205 130 98 369 234 176 308 195 147 461 293 221 3 210 135 100 378 243 180 315 203 150 473 304 225 4 230 140 105 414 252 189 345 210 158 518 315 236 5 245 170 130 441 306 234 368 255 195 551 383 293 6 255 180 135 459 324 243 383 270 203 574 405 304 7 270 190 145 486 342 261 405 285 218 608 428 326 8 280 200 148 504 360 266 420 300 222 630 450 333 9 320 230 170 576 414 306 480 345 255 720 518 383 10 335 240 175 603 432 315 503 360 263 754 540 394 11 345 250 185 621 450 333 518 375 278 776 563 416 12 350 255 190 630 459 342 525 383 285 788 574 428 13 355 260 195 639 468 351 533 390 293 799 585 439 14 360 265 200 648 477 360 540 398 300 810 596 450 15 365 270 205 657 486 369 548 405 308 821 608 461 16 370 275 210 666 495 378 555 413 315 833 619 473 17 375 280 215 675 504 387 563 420 323 844 630 484 18 380 290 230 684 522 414 570 435 345 855 653 518 19 385 300 250 693 540 450 578 450 375 866 675 563 20 390 310 255 702 558 459 585 465 383 878 698 574 21 395 315 258 711 567 464 593 473 387 889 709 581 以後每增加一天 Each additional day 15 12 8 27 22 14 23 18 12 34 27 18

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.