TravellerShield Single Trip Travel Insurance TravellerShield 單次旅遊保障 Policy Wording 保單條款 Chubb Travel Insurance
Contents Part I Schedule of Benefits... 3 Part II Definition of Words... 4 Part III Description of Cover... 6 Part IV General Exclusions... 19 Part V - Extensions... 21 Part VI General Conditions... 22 Part VII How To Make A Claim... 24 Part VIII Personal Information Collection Statement... 26 第一部分 保障計劃... 27 第二部分 - 詞彙釋義... 28 第三部分 - 項目說明... 29 第四部分 - 一般不受保事項... 38 第五部分 - 延期條款... 40 第六部分 - 一般條款... 40 第七部份 如何索償... 42 第八部分 個人資料收集聲明... 44 About Chubb in Hong Kong... 45 Contact Us... 45 關於安達香港... 45 聯絡我們... 45 TravellerShield Single Trip Travel Insurance Policy Wording, Hong Kong. TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages are available in all jurisdictions. Chubb and its respective logos, and Chubb.Insured. are protected trademarks of Chubb. 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 2
In consideration of the payment of a premium to The Company and subject to the terms and conditions of this policy, The Company agrees to provide cover in the manner and to the extent set out in this policy. Please Read This Policy If this policy contains incorrect information, please return it to The Company immediately for correction. Part I Schedule of Benefits Benefits A. Personal Accident (a) Accident whilst travelling on a Public Conveyance/sustained an armed robbery Gold Plan HK$ Silver Plan HK$ Sum Insured 2,000,000 1,000,000 (b) Other Accident Sum Insured 1,000,000 500,000 B. Medical Expenses (a) Medical Expenses Sum Insured 600,000 300,000 (b) Follow-up Medical Expenses Maximum Sum Insured for Follow-up Medical Expenses Sum Insured 50,000 50,000 (b)(i) Maximum amount for Chinese Medicine Practitioner Sum Insured 1,500 1,500 (b)(ii) Daily maximum amount for Chinese Medicine Practitioner Sum Insured 150 150 (c) Trauma Counselling Sum Insured 20,000 20,000 (c)(i) Daily maximum amount for Trauma Counselling Sum Insured 1,000 1,000 (d) Hospital Cash Sum Insured 3,000 1,000 (d)(i) Daily maximum amount for Hospital Cash Sum Insured 500 500 (e) Hotel Accommodation for Convalescence Sum Insured 6,000 6,000 C. Chubb Assistance 24-Hour Worldwide Assistance Services Maximum Amount for Section (C) - Chubb Assistance Sum Insured 2,000,000 2,000,000 (a) Emergency Medical Evacuation and/or Repatriation Sum Insured 2,000,000 2,000,000 (b) Return of Mortal Remains Sum Insured 50,000 50,000 (c) Compassionate Visit Sum Insured 20,000 20,000 (c) (i) Daily maximum amount for accommodation 1,200 1,200 (d) Child Escort Sum Insured 20,000 20,000 (e) Chubb Assistance 24 Hour Telephone Hotline And Referral Services Applicable Applicable D. Trip Cancellation and Curtailment (a) Trip Cancellation Sum Insured 30,000 20,000 (b) Trip Curtailment Sum Insured 30,000 20,000 E. Travel Delay and Missed Departure (a) Travel Delay Sum Insured 2,500 1,000 (a)(i) Cash Benefit for each period of delay Each 8 hour period of delay 250 250 (b) Missed Departure Sum Insured 10,000 5,000 respective logos, and Chubb.Insured. are protected trademarks of Chubb. 3
(c) Loss of Passport Sum Insured 2,000 1,000 F. Personal Baggage and Personal Money (a) (a)(i) Personal Property Maximum amount Sum Insured 15,000 10,000 Maximum amount for each item/set/pair of Personal Property 2,000 2,000 (a)(ii) Maximum amount for sport equipment 5,000 5,000 (b) Baggage Delay Sum Insured 2,500 1,500 (c) Personal Money and Personal Documents Sum Insured 3,000 2,500 (d) Excess per event under Section F (except for F(b) Baggage Delay) 200 200 G. Personal Liability Sum Insured 2,500,000 2,500,000 H. Rental Vehicle Excess Sum Insured 5,000 5,000 I. Home Contents Cover Sum Insured 20,000 10,000 J. Credit Card Protection Sum Insured 10,000 10,000 Customer Services Hotline: (852) 3191 6618 24-Hour Worldwide Assistance Hotline: (852) 3723 3030 Part II Definition of Words The following defined terms shall have the meaning set out as follows in this policy: 1. Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance. 2. Chubb Assistance or Authorised Assistance Service Provider means the independent service provider appointed by The Company to provide outside Hong Kong assistance services to Insured Persons. 3. Black Alert means the travel black alert issued by the Security Bureau of the Hong Kong Government under the Outbound Travel Alert (OTA) System. This definition may be changed by The Company from time to time based on changes to the OTA System communicated by the Security Bureau of the Hong Kong Government. 4. Bodily Injury means physical injury caused solely and independently by an Accident and sustained during the Period of Insurance. 5. Cash means cash or travellers cheques belonging to an Insured Person taken by an Insured Person on the Journey. 6. Chinese Medicine Practitioner means a person other than an Insured Person or an Immediate Family Member who is duly registered as a Chinese medicine practitioner according to the Chinese Medicine Ordinance (Cap. 549). 7. Confinement or Confined means a continuous period of necessary confinement in a Hospital as a Resident Inpatient for which the Hospital makes a charge for room and board. 8. Excess means the amount of money the Insured Person is liable for before the benefit payable under this policy. 9. Hospital means a legally constituted establishment operated and licensed pursuant to the laws of the country in which it is located and which meets all of the following requirements: (a) Operates primarily for the reception and medical care and treatment of sick, ailing or injured persons on a Resident Inpatient basis; and (b) Admits a Resident Inpatient only under the supervision of one or more Physicians, at least one of whom is available for consultation at all times; and respective logos, and Chubb.Insured. are protected trademarks of Chubb. 4
(c) Maintains organised facilities for medical diagnosis and treatment of Resident Inpatients and provides (where appropriate) facilities for major surgery within the confines of the establishment or in facilities controlled by the establishment; and (d) Provides full-time nursing service by and under the supervision of a staff or nurses; and (e) Has an on-duty staff of at least one Physician and one qualified nurse at all times; and (f) Hospital shall not include the following: a mental institution, an institution operating primarily for the treatment of psychiatric or psychological disease including sub-normality or the psychiatric department of a hospital; a place for the aged, a rest home or a place for drug addicts or alcoholics; a health hydro or nature cure clinic, a nursing or convalescent home, a special unit of a hospital used primarily as a place for drug addicts or alcoholics or as a nursing, convalescent, rehabilitation, extended-care facility or rest home. 10. Hong Kong means the Hong Kong Special Administrative Region. 11. Household Contents means valuable property, money, Household Improvements, furniture, furnishings, home appliances, household and personal effects belonging to the Insured Person or his/her family members. 12. Household Improvement means improvements and betterment on landlord s fixtures and fittings made by an Insured Person within the Insured Person s home. 13. Immediate Family Member means an Insured Person s spouse, parents, parents-in-law, grandparents, children, siblings, grandchildren, legally adopted chilren or legal guardians. 14. Insured Person/You means the person or persons named in the Policy Schedule or subsequent endorsement(s) (if any). 15. Journey means the trip outside Hong Kong described in the Policy Schedule. 16. Medical Expenses means all Usual, Reasonable and Customary Medical Expenses necessarily incurred by an Insured Person as a result of Bodily Injury sustained or Sickness contracted, for Confinement, surgical, medical, emergency dental treatment (as a result of Bodily Injury only) or other diagnostic or remedial treatment given or prescribed by a Physician, including employment of a nurse, x-ray examination or the use of an ambulance as the result of an emergency. 17. Period of Insurance means the period described under the relevant plan in this policy as follows: For Return Trip means, in relation to: (a) Section D(a) (Trip Cancellation) of this policy only, the period of insurance starts from the Purchase Date as specified in the Policy Schedule and ends at the commencement of the Journey; or (b) all other sections of this policy, the period of insurance starts at the later of: (i) three (3) hours before the Insured Person s scheduled departure from Hong Kong to embark on a Journey; or (ii) the time at which an Insured Person commences his or her travel from home or workplace in Hong Kong directly to the Hong Kong immigration control point to embark on a Journey and ends at the earliest of: (i) one-hundred-eighty-two (182) days after the Insured Person embarked the Travel Period (inclusive of start date) as specified in the Policy Schedule; or (ii) three (3) hours after the Insured Person has passed through Hong Kong immigration control point on his/her return; or (iii) after the Travel Period end date shown on the Policy Schedule. For One Way Trip means, in relation to: (a) Section D(a) (Trip Cancellation) of this policy only, the period of insurance starts from the Purchase Date as specified in the Policy Schedule and ends at the commencement of the Journey; or (b) all other sections of this policy, the period of insurance starts at the later of: (i) three (3) hours before the Insured Person s scheduled departure from Hong Kong to embark on a Journey; or (ii) the time at which an Insured Person commences his or her travel from home or workplace in Hong Kong directly to the Hong Kong immigration control point to embark on a Journey; and ends at the earliest of: (i) seven (7) days from the scheduled time of arrival at the final destination shown on the Policy Schedule; or (ii) the expiry date shown on the Policy Schedule. 18. Permanent means: (a) In relation to one or both limbs, loss of use lasting twelve (12) consecutive months from the date of Accident and being beyond hope of improvement or remedy by surgical or other treatment at the expiry of that period, or loss by physical separation at or above the wrist or ankle joint during the same period; or (b) In relation to any other type of loss, being beyond hope of improvement or remedy by surgical or other treatment at the end of twelve (12) consecutive months from the date of Accident. 19. Permanent Total Disability means disablement that results solely, directly or independently of all other causes from Bodily Injury and which occurs within one hundred eighty (180) days of the Accident in which such Bodily Injury was respective logos, and Chubb.Insured. are protected trademarks of Chubb. 5
sustained, which, having lasted for a continuous and uninterrupted period of at least twelve (12) consecutive months, will, in all probability, entirely prevent the Insured Person from attending to any kind of employment, business, profession or occupation. 20. Personal Property means personal baggage taken or owned by an Insured Person during the Journey, other than documents and samples, jewellery, furs, gold and silver articles, watches, radios, binoculars, cameras and audio/video equipment or money not accopanied by the Insured Person, household goods and anything shipped as freight, items used in connection with Insured Person s employment or occupation, any pager, mobile phone, tablet computer or portable telecommunication equipment or any of its accessories including sim card or digital stortage card and the like, contact lenses, dentures, prostheses, bonds, negotiable instruments or securities, any brittle or fragile items, and sports equipment while in use. 21. Physician means a person other than an Insured Person or an Immediate Family Member who is a qualified western medical practitioner licensed by the competent medical authorities of the jurisdiction in which treatment is provided and who, in providing treatment, practices within the scope of his or her licensing and training. 22. Policy Schedule means the document(s) which (i) allow each Insured Person to be identified by name, (ii) states the destination of the insured Journey, and (iii) indicates which plan has been selected. 23. Pre-existing Medical Condition means any sickness or injury of which at the date of this policy application, an Insured Person, Immediate Family Member, or Insured Person s fiancé (fiancée) presented signs or symptoms, or for which, in the same period, an Insured Person, Immediate Family Member, or Insured Person s fiancé (fiancée) sought or received (or ought reasonably to have sought or received) medical treatment, consultation, prescribed drugs, advice or diagnosis by a Physician. 24. Principal Home means an Insured Person s primary place of residence in Hong Kong. 25. Public Conveyance means any mechanically propelled carrier operated by a company or an individual licensed to carry passengers on scheduled route/itinerary. 26. Resident Inpatient means an Insured Person whose Confinement as a resident bed patient is necessary for the medical care, diagnosis and treatment of Bodily Injury or Sickness and not merely for any form of nursing, convalescence, rehabilitation, rest or extended-care. 27. Rental Vehicle means a non-commercial inland vehicle (except motorcycle) rented or hired from a licensed motor vehicle rental/hire company for the sole purpose of carrying an Insured Person on public roadways, including campervan. 28. Riot means the act of a group of people that disturb the public peace (whether in connection with a Strike or lock-out or not) and the action of any lawfully constituted governmental authority in suppressing or attempting to suppress any such disturbance or in minimizing the consequences of such disturbance. 29. Schedule of Benefits means the schedule of benefits in Part I of this policy. 30. Sickness means illness or disease commencing during the Period of Insurance. 31. Specially Designated List means names of a person, entities, groups, corporate specified on a list who are subject to trade or economic sanctions or other such similar laws or regulations of the United States of America, Australia, United Nations, European Union or United Kingdom. 32. Strike means the wilful act of any striker or locked-out worker done in furtherance of a strike or in resistance to a lock-out or the action of any lawfully constituted authority in preventing or attempting to prevent any such act or in minimizing the consequences of any such act. 33. Sum Insured means, in relation to each benefit available to an Insured Person under this policy, the maximum amount listed in the Schedule of Benefits or any endorsement(s) corresponding to that benefit. 34. The Company means Chubb Insurance Hong Kong Limited. 35. Usual, Reasonable and Customary Medical Expenses means charges for treatment, supplies or medical services medically necessary to treat an Insured Person s condition and which do not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the charges are incurred. Charges that would not have been made if no insurance existed are excluded from this definition. Part III Description of Cover Section A Personal Accident (a) Accident whilst travelling on a Public Conveyance or sustained an armed robbery: If an Insured Person who is eighteen (18) up to and including seventy (70) years of age on the first day of the Period of Insurance sustains Bodily Injury while (i) travelling as a fare-paying passenger on board a Public Conveyance or a respective logos, and Chubb.Insured. are protected trademarks of Chubb. 6
private car; or (ii) being an innocent victim in any armed robbery or attempted armed robbery, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company will pay the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(a) of the Schedule of Benefits. Otherwise, if an Insured Person who is under eighteen (18) years of age or above seventy (70) years of age on the first day of the Period of Insurance sustains Bodily Injury and, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company will pay fifty percent (50%) of the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(a) of the Schedule of Benefits. (b) Other Accident If an Insured Person who is eighteen (18) up to and including seventy (70) years of age on the first day of the Period of Insurance sustains Bodily Injury other than as set out at Section A(a) above, and, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company will pay the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(b) of the Schedule of Benefits. Otherwise, if an Insured Person who is under eighteen (18) years of age or above seventy (70) years of age on the first day of the Period of Insurance sustains Bodily Injury and, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company will pay fifty percent (50%) of the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(b) of the Schedule of Benefits. (c) Amateur Dangerous Sports Extension Notwithstanding General Exclusion of this Policy, if an Insured Person who is eighteen (18) up to and including seventy (70) years of age on the first day of the Period of Insurance sustains Bodily Injury while taking part in the capacity as an amateur in hot-air ballooning, scuba diving to a depth not greater than thirty (30) meters below sea-level, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping or horse riding activities, as a direct and unavoidable result, suffers within twelve (12) consecutive months a loss of the type listed in the Loss Table in this Section A, The Company will pay the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(b) of the Schedule of Benefits. Otherwise if an Insured Person who is under eighteen (18) years of age or above seventy (70) years of age on the first day of the Period of Insurance, The Company will pay the fifty (50%) percent of the percentage stated for that type of loss in the Loss Table in this Section A of the Sum Insured stated in Section A(b) of the Schedule of Benefits. (d) Cash Relief In the event of the Insured Person s Accidental death, The Company may approve an advance payment of HK$50,000 as cash relief to the legal representative of the Insured Person. Upon payment of such cash relief, The Company s liability under Section A shall be reduced by the same amount. Section A Loss Table: Category Percentage of the Sum Insured 1. Accidental death (which occurs within 12 months from the date of the Accident) 100% 2. Permanent Total Disability 100% 3. Permanent and total loss or incurable paralysis of all limbs 100% 4. Permanent and total loss of sight in both eyes 100% 5. Permanent and total loss of two limbs 100% 6. Permanent and total loss of speech and hearing 100% 7. Permanent and total loss of sight in one eye 50% 8. Permanent and total loss of one limb 50% 9. Permanent and total loss of hearing 50% 10. Permanent and total loss of speech 50% respective logos, and Chubb.Insured. are protected trademarks of Chubb. 7
Special Conditions to Section A: 1. Where an Insured Person suffers more than one type of loss listed in the Loss Table in this Section A in the same Accident, The Company s liability under this Section A shall be limited to one payment for the type of loss which, of all the types of loss actually suffered, attracts the largest percentage stated in the Loss Table in this Section A of the relevant Sum Insured stated in Section A of the Schedule of Benefits. 2. The Company s total liability under this Section A for all Accidents involving the same Insured Person occurring during the Period of Insurance shall not exceed the relevant Sum Insured. 3. Where the use or enjoyment of an Insured Person s limb or organ was partially impaired before an Accident occurred, The Company may, in its sole discretion and after considering a medical assessment by The Company s appointed medical adviser of the extent to which any Bodily Injury was, in the medical adviser s opinion, caused solely and independently by that Accident, pay such percentage of the relevant Sum Insured as it considers reasonable. No payment shall be made for a limb or organ which was totally unusable before an Accident occurred. 4. (Applicable to Family Plan only) Where this policy covers more than one Insured Person from the same family and more than one member of that family is involved in the same Accident, The Company s total liability under this Section A for all Insured Persons involved in that Accident shall not exceed 300% of the largest Sum Insured which applies to any member of that family. 5. Exposure: If during the Period of Insurance, the Insured Person is exposed to the elements as a result of an Accident and within twelve (12) months of the Accident the Insured Person suffers any one type of loss listed in the Loss Table in this Section A as a direct result of that exposure, the Insured Person will be deemed for the purpose of this policy to have suffered a Bodily Injury on the date of the Accident. 6. Disappearance: Where an Insured Person's body has not been found within one (1) year of the date of the disappearance, sinking or wrecking of the means of transport being used by the Insured Person on the date of the disappearance, sinking or wrecking: (a) It will be presumed that the Insured Person suffered Accidental death resulting from Bodily Injury at the time of such disappearance, sinking or wrecking; and (b) Subject to receiving an undertaking, signed by the deceased Insured Person s legal representatives, that if the presumption of Accidental death resulting from Bodily Injury is subsequently found to be wrong, any amount paid by The Company under this Section A will be immediately refunded to The Company. The Company will pay to the legal representatives of the deceased Insured Person the percentage stated for Accidental death in the Loss Table in this Section A of the relevant Sum Insured stated in Section A of the Schedule of Benefits. Exclusion to Section A: This Section A does not cover: 1. Sickness, disease or bacterial infection. 2. Any claim if the Insured Person is travelling against the advice of a Physician or for the purpose of obtaining medical treatment. 3. Death or Bodily Injury or Sickness sustained by an Insured Person caused by or arising from any medical, physical or mental conditions which is pre-existing at the time of the application of this policy including any recurring, chronic or continuing illness or condition which the Insured Person are aware of or has already received treatment. A condition is deemed to be pre-existing at the time of the application of this insurance if (i) treatment, or medication, or advice, or diagnosis has been sought or received or was foreseeable prior to the commencement of the policy, or (ii) the Insured Person or if the Insured Person is below eighteen (18) years of age, his/her parent knew or ought to have known prior to the commencement of the policy whether or not treatment or medication or advice or diagnosis was sought or received. 4. Any claim arising from venereal disease, pregnancy, childbirth, miscarriage or self-exposure to exceptional risk. Section B Medical Expenses (a) Medical Expenses: If an Insured Person incurs Medical Expenses during the Period of Insurance arising from Bodily Injury or Sickness, The Company will reimburse the Insured Person for :- (i) those Medical Expenses; and/or respective logos, and Chubb.Insured. are protected trademarks of Chubb. 8
(ii) Additional reasonable transport expenses incurred for returning to Hong Kong, which is necessary and unavoidable as prescribed by a Physician for the Insured Person to stay beyond the scheduled return date, if the original return ticket is unused and forfeited. up to the Sum Insured stated in Section B(a) of the Schedule of Benefits. (b) Follow-up Medical Expenses: If an Insured Person incurs Medical Expenses outside Hong Kong during a Journey arising from Bodily Injury or Sickness and, after returning to Hong Kong, that Insured Person still requires treatment in Hong Kong for the same Bodily Injury or Sickness as given or prescribed by a Physician and/or Chinese Medicine Practitioner, The Company will continue to reimburse the Insured Person for: (i) Reasonable medical expenses incurred in Hong Kong for the purpose of Chinese medical treatment and charged by a Chinese Medicine Practitioner; or (ii) Any Medical Expenses incurred in Hong Kong other than as set out at Section B(b)(i) above; and/or up to ninety (90) days after the Insured Person s return to Hong Kong or until the Sum Insured stated in Section B(b) of the Schedule of Benefits has been exhausted, whichever comes first. (c) Trauma Counselling If during the Period of Insurance, an Insured Person is the victim of a traumatic event such as, but not limited to, rape, armed hold up, assault, natural disaster, hijack or acts of terrorism and sustains Bodily Injury due to that traumatic event, upon the production of the Physician s advice on the need of trauma counselling service as a result of such Bodily Injury, The Company will reimburse the Insured Person for reasonable and necessary expenses for trauma counselling incurred within ninety (90) days from the occurrence of the traumatic event, up to the Sum Insured stated in Section B(c) of the Schedule of Benefits. (d) Hospital Cash Upon the Confinement in a Hospital outside Hong Kong of an Insured Person as a direct and unavoidable result of Bodily Injury or Sickness, The Company will pay an Insured Person a daily benefit of the amount stated in Section B(d)(i) of the Schedule of Benefits, up to the Sum Insured stated in Section B(d) of the Schedule of Benefit. Special Conditions to Section B(d): 1. Payment of benefits under this Section B(d) shall only be made after the Confinement ends. 2. The Company s liability under Section B for all Confinement of an Insured Person shall not exceed the amount stated in Section B(d) of the Schedule of Benefits. Exclusions to Section B(d): 1. Any Confinement which occurs after the end of Period of Insurance. (e) Hotel Accommodation for Convalescence If an Insured Person is hospitalized in a Hospital during a Journey arising from Bodily Injury or Sickness, and upon discharge from hospitalization and as recommended by Physician to convalesce immediately before continuing with the Journey, The Company will reimburse the cost of one (1) ordinary room accommodation expenses, but not the cost of drinks, meals and other room services, necessarily incurred up to the Sum Insured stated in Section B(e) of the Schedule of Benefits subject to HK$1,200 per day for a maximum of five (5) consecutive days. (f) Amateur Dangerous Sports Extension Notwithstanding General Exclusion of this Policy, if an Insured Person who is eighteen (18) up to and including seventy (70) years of age on the first day of the Period of Insurance sustains Bodily Injury while taking part in the capacity as an amateur in hot-air ballooning, scuba diving to a depth not greater than thirty (30) meters below sea-level, winter sports, water skiing, rafting, sailing, windsurfing, bungee jumping or horse riding activities, as a direct and unavoidable result, incurs Medical Expenses during the Period of Insurance arising from Bodily Injury or Sickness, The Company will pay the one hundred percent (100%) of the corresponding Sum Insured stated in Section B of the Schedule of Benefits; otherwise if an Insured Person who is under eighteen (18) years of age or above seventy (70) years of age on the first day of the Period of Insurance, The Company will pay the fifty (50%) percent of the corresponding Sum Insured stated in Section B of the Schedule of Benefits. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 9
Special Conditions to Section B: 1. The Authorised Assistance Service Provider must be notified promptly if the Insured Person is admitted or anticipates admission to Hospital as a Resident Inpatient during the Period of Insurance outside Hong Kong. Failure to give the notice required by this condition precedent will result in The Company having no liability under this policy for those Medical Expenses. 2. The Company s liability under Section B(a) for all Medical Expenses incurred during the Period of Insurance shall not exceed the Sum Insured stated in Section B(a) of the Schedule of Benefits. 3. The Company s liability under Section B(b) for each and every expense incurred shall not exceed the amount stated in Section B(b) of the Schedule of Benefits. 4. The Company s liability under Section B(b)(i) for all expenses charged by Chinese Medicine Practitioner shall not exceed the amount stated in Section B(b)(i) of the Schedule of Benefits. The maximum daily amount incurred by Chinese Medicine Practitioner shall be the amount stated in Section B(b)(ii) of the Schedule of Benefits. 5. The Company s liability of Medical Expenses (including medical expenses charged by Chinese Medicine Practitioner) incurred in Hong Kong shall not exceed the amount stated in Section B(b) of the Schedule of Benefits. 6. The Company s total liability under Section B(c) for Trauma Counselling benefit incurred during the Period of Insurance shall not exceed the Sum Insured stated in Section B(c) of the Schedule of Benefits. The maximum daily amount incurred for trauma counselling benefit shall be the amount stated in Section B(c)(i) of the Schedule of Benefits. 7. The Company s liability under Section B(d) for Hospital Cash benefit amount during the Period of Insurance shall not exceed the Sum Insured stated in Section B(d) of the Schedule of Benefits. The maximum daily amount payable for Hospital Cash benefit shall be the amount stated in Section B(d)(i) of the Schedule of Benefits. 8. The Company s total liability under this Section B for all Medical Expenses and all medical expenses charged by Chinese Medicine Practitioner, and all expenses for trauma counselling shall not exceed the Sum Insured stated in Section B(a) of the Schedule of Benefits. 9. The payment of charges from chiropractors, physiotherapists, occupational therapists, acupuncturists (other than bonesetters fee charged by Chinese Medicine Practitioner in Section B(b)(i) above) and the like is subject to the availability of a referral letter or similar certification from a Physician. Exclusions to Section B: This Section B does not cover: 1. Any expense included or contemplated in the cost of a Journey at the time it was paid for. 2. Surgery or medical treatment which, in the opinion of the Physician attending the Insured Person, can reasonably be delayed until the Insured Person returns to Hong Kong. 3. Any expense incurred after an Insured Person has failed, within a reasonable period, to follow a Physician s advice to return to Hong Kong to continue treatment for Bodily Injury suffered or Sickness contracted outside Hong Kong. 4. Any expense incurred during a Journey after an Insured Person has been advised by a Physician prior to the departure of the Journey that he or she is unfit to travel. 5. Any expenses incurred under Section B(a) after twelve (12) months from the date the first expenses were incurred. 6. Any follow up expenses incurred under Section B(b) after ninety (90) days from the date the Insured Person returned to Hong Kong. 7. Any expenses incurred under Section B(c) after ninety (90) days from the occurrence of the traumatic event. 8. Health check-ups or any investigation(s) not directly related to admission diagnosis, Bodily Injury or Sickness or any treatment or investigation which is not medically necessary. 9. Any claim arising from venereal disease, pregnancy, childbirth, miscarriage or self-exposure to exceptional risk. 10. The cost of any elective or non-emergency treatment not directly related to the Sickness or Bodily Injury which necessitated the Insured Person s admittance into Hospital. 11. Any claim if the Insured Person is under treatment not recommended by or undertaken by a Physician. Section C Chubb Assistance 24-Hour Worldwide Assistance Services (a) Emergency Medical Evacuation and/or Repatriation: Where a Physician, designated by an Authorised Assistance Service Provider, certifies that Bodily Injury or Sickness renders an Insured Person unfit to travel or continue with their Journey or is a danger to their life or health; and the necessary medical treatment is not available, either at the nearest Hospital where the Insured Person was transported to or in the immediate vicinity thereof, after suffering the Bodily Injury or Sickness, The Company may, based on the advice of that Physician that the Insured Person is medically fit to be evacuated, determine in its sole discretion, that the Insured Person, should be evacuated to another location for the necessary medical treatment. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 10
The Authorised Assistance Service Provider shall arrange for the evacuation within a reasonable timeframe and utilise the best suited means, based on the medical severity of the Insured Person s condition for the transport of the Insured Person, including but not limited to, air ambulance, surface ambulance, regular air transport, railroad or any other appropriate means. All decisions as to the means of transport and the final destination will be made by Authorised Assistance Service Provider, and will be based solely upon medical necessity. The Insured Person may, in appropriate circumstances, be returned to Hong Kong. The Company will pay the actual cost of the Insured Person s emergency medical evacuation and/or repatriation and associated medical services and medical supplies directly to Authorised Assistance Service Provider, up to the maximum Sum Insured stated in Section C(a) of the Schedule of Benefits. (b) Return of Mortal Remains: Upon the death of an Insured Person as a direct and unavoidable result of Bodily Injury or Sickness, The Company will pay the actual cost for transporting the Insured Person s mortal remains from the place of death to Hong Kong, or the cost of local burial at the place of death as approved by the Authorised Assistance Service Provider, up to the maximum Sum Insured stated in Section C(b) of the Schedule of Benefits. (c) Compassionate Visit: If a Physician certifies that Bodily Injury or Sickness renders an Insured Person unfit to travel or continue with their Journey or is a danger to their life or health or suffers death during Journey, The Company will pay, up to the Sum Insured stated in Section C(c) of the Schedule of Benefits (i) the cost of one (1) economy class round trip ticket for one (1) person to visit the Insured Person outside Hong Kong, and (ii) the cost of one (1) ordinary room accommodation in any reasonable hotel outside Hong Kong for a maximum period of five (5) consecutive nights, but not the cost of drinks, meals and other room services, up to the maximum corresponding daily limit stated in Section C (c) (i) and total Sum Insured stated in Section C(c) of the Schedule of Benefits. (d) Child Escort: Where: (i) An Insured Person is Confined as a direct and unavoidable result of Bodily Injury or Sickness which a Physician certifies as either rendering that Insured Person unfit to travel or continue with his/her Journey or as being a danger to his/her life or health or suffers death during Journey; and (ii) That Insured Person is accompanied by a child who is an Insured Person and was under eighteen (18) years old on the first day of the Period of Insurance; and (iii) That child is at risk of being left unattended as a result of the Insured Person s Confinement or the Insured Person s death. The Company will arrange and pay up to the Sum Insured stated in Section C(d) of the Schedule of Benefits, for an economy class one-way ticket, together with escort services, for that child to be escorted back to Hong Kong, up to the maximum Sum Insured stated in Section C(d) of the Schedule of Benefits. (e) Chubb Assistance Twenty Four (24) Hour Telephone Hotline And Referral Services: The services are provided by way of referral and arrangement only and all expenses incurred are to be borne by the Insured Person: Inoculation and Visa Requirement Information services Embassy Referral Interpreter Referral Loss of Baggage Assistance Loss of Travel Document Assistance Telephone Medical Advice Medical Service Provider Referral Monitoring of Medical Condition when Hospitalized Arrangement of Appointments with Doctors Arrangement of Hospital Admission respective logos, and Chubb.Insured. are protected trademarks of Chubb. 11
For full details on this service, please refer to the telephone hotline and referral service information provided by Chubb Assistance. If you have any queries on this telephone hotline and referral service, please telephone Chubb Assistance on (852) 3723 3030. Special Conditions to Section C: 1. Services under Section C are provided by the Authorised Assistance Service Provider. The Company or the Authorised Assistance Service Provider must be promptly notified of the occurrence of any event which may give rise to a potential claim under Section C(a) (d) Chubb Assistance 24 Hour Worldwide Assistance Services. Failure to give the notice required by this condition precedent could result in The Company having no liability under this Section C of the policy. 2. The arrangements for, means and final destination of emergency medical evacuation and/or repatriation will be decided by the Authorised Assistance Service Provider and will be based entirely upon medical necessity. 3. Upon payment being made under this Section C, The Company shall be entitled to any monies refundable from an original return airfare. 4. The Company s total liability under this Section C for all Chubb Assistance Services shall not exceed the Sum Insured stated in Section C of the Schedule of Benefits. Exclusions to Section C: This Section C does not cover any: 1. Expenses included or contemplated in the cost of a Journey at the time it was paid for. 2. Expenses incurred during a Journey after an Insured Person has been advised by a Physician prior to the departure of the Journey that he or she is unfit to travel. 3. Expenses incurred for services provided by another party for which the Insured Person is not liable to pay. 4. Expenses for a service not approved and arranged by an Authorised Assistance Service Provider. 5. Treatment performed or ordered by a person who is not a Physician. 6. Expenses incurred in relation to treatment that can be reasonably delayed until the Insured Person returns to Hong Kong. Section D Trip Cancellation and Curtailment (a) Trip Cancellation If after this policy has been purchased, in the event of: (i) The sudden and unexpected death, Bodily Injury or Sickness of an Insured Person, an Immediate Family Member, or Insured Person s fiancé (fiancée) occurring within thirty (30) days prior to the date the Journey is scheduled to begin; or (ii) The jury service of an Insured Person or an Insured Person being the subject of a witness summons, notice of which was received by that Insured Person after this policy has been purchased and continuing within thirty (30) days prior to the date the Journey is scheduled to begin; or (iii) The unexpected compulsory quarantine of an Insured Person beginning after this policy has been purchased and continuing within thirty (30) days prior to the date the Journey is scheduled to begin; or (iv) Serious damage to the Insured Person s Principal Home from burglary, fire, flood, typhoon, earthquake or landslip occurring within thirty (30) days prior to the date the Journey is scheduled to begin and which reasonably requires the Insured Person s presence in Hong Kong on the scheduled departure date of the Journey; or (v) Delay in departure from Hong Kong for a period not less than twenty-four (24) hours from the scheduled departure time caused by: - (i) strike or industrial action; (ii) riot; (iii) mechanical and/or electrical breakdown/derangement of Public Conveyance the Insured Person has booked to travel; (iv) adverse weather conditions; or (v) natural disaster directly resulting in suspension of Public Conveyance for at least one(1) hour; or (vi) The unexpected issuance of a Black Alert for a destination scheduled in the Journey at least one (1) day after this policy has been purchased and which is in force at any time within seven (7) days prior to the date the Journey is scheduled to begin resulting in cancellation of the Journey, The Company will reimburse, up to the Sum Insured stated in Section D(a) of the Schedule of Benefits, the Insured Person s loss of transportation and/or accommodation expenses paid in advance and forfeited, which are not recoverable from any other source. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 12
(b) Trip Curtailment In the event that a Journey is curtailed because an Insured Person must return directly to Hong Kong following the event(s) happened during the Period of Insurance: (i) The sudden and unexpected death, Bodily Injury or Sickness of an Insured Person, an Immediate Family Member, or Insured Person s fiancé (fiancée); or (ii) The jury service of an Insured Person or an Insured Person being the subject of a witness summons, notice of which was received by that Insured Person; or (iii) The unexpected compulsory quarantine of an Insured Person; or (iv) Serious damage to the Insured Person s Principal Home from burglary, fire, flood, typhoon, earthquake or landslip occurring and which reasonably requires the Insured Person s presence in Hong Kong; or (v) (i) strike or industrial action; (ii) riot; (iii) adverse weather conditioin; (iv) natural disaster directly resulting in suspension of Public Conveyance for at least one(1) hour; or (vi) The unexpected issuance of a Black Alert for a destination scheduled in the Journey The Company will reimburse either the Insured Person s unused transportation and/or accommodation deposits paid or the payment for which the Insured Person is legally obliged to pay and which is not recoverable from any other source, up to the Sum Insured stated in Section D(b) of the Schedule of Benefits. If during the Journey, the Insured Person s Immediate Family Member in Hong Kong is dead, and the Insured Person is required to return back to Hong Kong, The Company will pay for i) the administration charge billed by a travel agent for the purpose of revising the original airline ticket, or ii) the cost of scheduled return airline ticket (economy class) for returning to Hong Kong, whichever is lower. The total liability under Section D(b) shall not exceed the Sum Insured stated in Section D(b) of the Schedule of Benefits. (c) Black Alert Extension In the event of the unexpected issuance of a Black Alert for a destination scheduled in the Journey, (i) the scheduled Journey is unavoidably cancelled within seven (7) days prior to its commencement, or (ii) the embarked Journey is curtailed, The Company will reimburse the following items, which is not recoverable from other source: (i) The administration charge billed by a travel agent for the purpose of cancelling the Journey, as a direct result of the issuance of Black Alert, up to HK$300 per Insured Person. (ii) A cash allowance of HK$1,000 per Insured Person, if that Insured Person is needed to stay overnight to wait for the first available alternative conveyance to return to Hong Kong. Upon payment for the above Black Alert Extension, The Company s total liability under Section D shall be reduced by the same amount. Special Conditions to Section D: 1. When the Insured Person arranges for the insured Journey or apply for this insurance policy, the Insured Person must not be aware of any reason for the trip to be cancelled or curtailed or else the cover under this Section D Trip Cancellation and Curtailment will be void from inception. 2. Where a Journey is cancelled or curtailed as a result of Bodily Injury or Sickness of an Insured Person, an Immediate Family Member, or Insured Person s fiancé (fiancée), that Bodily Injury or Sickness must be certified by a Physician as rendering unfit to travel (if he/she is travelling with the Insured Person) or as being a danger to their life or health. 3. Failure to obtain the certifications required by this condition precedent will result in The Company having no liability under this Section D for the Insured Person s loss of transportation and/or accommodation expenses paid in advance and forfeited or the payment for which the Insured Person is legally obliged to pay and which is not recoverable from any other source. 4. Where an Insured Person is covered under more than any one item above, The Company s liability under this Section D shall be limited to the one which attracts the largest compensation under Section D in the Schedule of Benefits. 5. The Company s total liability under this Section D for all reimbursement under this Section D shall not exceed the Sum Insured stated in Section D of the Schedule of Benefits. Exclusions to Section D: This Section D does not cover: 1. Arising from a condition which, at the time of booking a Journey or at the application of this policy, existed or might reasonably have been anticipated as being likely to result in the Journey being cancelled or curtailed. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 13
2. Any claim if the Insured Person is travelling against the advice of a Physician or for the purpose of obtaining medical treatment. 3. Death or Bodily Injury or Sickness sustained by an Insured Person caused by or arising from any medical, physical or mental conditions which is pre-existing at the time of the application of this policy including any recurring, chronic or continuing illness or condition which the Insured Person is aware of or have already received treatment. A condition is deemed to be pre-existing at the time of the application of this insurance if treatment, or medication, or advice, or diagnosis has been sought or received or was foreseeable prior to the commencement of the Policy, or the Insured Person or if the Insured Person is below eighteen (18) years of age, his/her parent knew or ought to have known prior to the commencement of the Policy whether or not treatment or medication or advice or diagnosis was sought or received. 4. Any claim arising from venereal disease, pregnancy, childbirth, miscarriage or self-exposure to exceptional risk. 5. The cost of any elective or non-emergency treatment not directly related to the Sickness or Bodily Injury which necessitated the Insured Person s admittance into Hospital. 6. Any claim if the Insured Person is under treatment not recommended by or undertaken by a Physician. 7. Any cost related to treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre. 8. Strike or industrial action, riot, adverse weather conditions or natural disaster which has commenced or has been announced before the date of applying for this insurance policy. 9. The Insured Person s failure to (i) check-in for departure by the time specified by the Public Conveyance (except as reasons specifically provided in Sections D); (ii) act upon the express instructions of the travel agent, tour operator, carrier or other provider of any service forming part of the booked itinerary; (iii) notify the travel agent, tour operator, carrier or other provider of any service forming part of the booked itinerary of the need to cancel or abandon the travel arrangement immediately it is found necessary to do so; (iv) report within twenty-five (24) hours of discovery to and obtain a report from local police in respect of loss of passport. 10. Bankruptcy, liquidation, error, omission or default of any travel agent, tour operator, carrier or other provider of any service forming part of the booked itinerary. 11. Overbooking of air or land Public Conveyance carriers, scheduling/re-scheduling of their crew members. 12. Any expenses claimed under Section E(b) Missed Departure for the same cause or event claimed under Section D(c) Black Alert Extension. Section E Travel Delay and Missed Departure (a) Travel Delay In the event that a Public Conveyance is delayed during the Period of Insurance due to an unanticipated event specified in the Travel Delay Event Table mentioned below, The Company will pay a cash benefit as stated in Section E(a)(i) for each and every full eight (8) consecutive hour period of delay, up to the Sum Insured stated in Section E(a) of the Schedule of Benefits, provided that the Insured Person is travelling on a regular route as a fare-paying passenger holding a valid boarding pass/ticket which bears the scheduled departure time/arrival time and the scheduled route and destination, issued by the operator of the Public Conveyance which is legally licenced for such scheduled regular transport. Travel Delay Event Table: The unanticipated event 1 mechanical and/or electrical breakdown/derangement of a Public Conveyance 2 Strike or industrial action 3 Riot 4 Hijacking 5 Adverse weather 6 Natural disaster directly resulting in suspension of Public Conveyance for at least one (1) hour Special Conditions to Section E(a): 1. The Insured Person must check-in in accordance with the original itinerary and obtain written confirmation from the Public Conveyance or their handling agents stating the reason and length of delay or else your right of claim may be prejudiced. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 14
2. The period of delay will be calculated from either: (i) the original scheduled departure time of the Public Conveyance until the actual departure time of 1) the same conveyance, or 2) the first available alternative conveyance provided by the same carrier; or (ii) the original scheduled arrival time of the Public Conveyance until the actual arrival time of 1) the same conveyance, or 2) the first available alternative conveyance provided by the same carrier. 3. The Insured Person can only claim for either departure or arrival delay of the same Public Conveyance but not for both. 4. If an Insured Person has consecutive connecting flights and/or other conveyances during the same trip, each period of travel delay cannot be accumulated for more than one conveyance. The Insured Person can only claim for travel delay arising from any one of such conveyances during the same trip. (b) Missed Departure In the event that a Public Conveyance fails to convey the Insured Person to the scheduled departure port or airport during the Period of Insurance due to an unanticipated event specified in the Missed Departure Event Table mentioned below, The Company will indemnify the additional transportation expenses necessarily and reasonably incurred for the Insured Person to reach his/her scheduled destination or for returning to Hong Kong, up to the Sum Insured stated in Section E(b) of the Schedule of Benefits. If the Insured Person s return trip to Hong Kong is unavoidably re-routed due to an unanticipated event specified in the Missed Departure Event Table mentioned below, The Company will indemnify for the additional accommodation expenses necessarily and reasonably incurred up to an aggregate limit of HK$2,500 for Silver Plan or HK$5,000 for Gold Plan provided the maximum amount payable under this sub-section shall not exceed the limit shown under Section E(b) of the Schedule of Benefits. Missed Departure Event Table: The unanticipated event 1 Strike or industrial action 2 Riot 3 Hijacking 4 Adverse weather 5 Natural disaster directly resulting in suspension of Public Conveyance for at least one (1) hour Exclusions to Section E(b): 1. Any expenses claimed under Section D(c) Black Alert Extension for the same cause or event claimed under Section E (b). (c) Loss of Passport The Company will reimburse an Insured Person up to the Sum Insured stated in Section E(c) of the Schedule of Benefits for the reasonable additional cost of transportation and/or accommodation expenses necessarily incurred outside Hong Kong by an Insured Person for the sole purpose of arranging the replacement a new passport in the event that the passport is lost or stolen during the Period of Insurance. Section F Personal Baggage and Personal Money (a) Personal Property The Company, will indemnify, at its option, reinstate, repair or replace Personal Property lost, stolen or damaged during the Period of Insurance up to the Sum Insured stated in Section F(a) of the Schedule of Benefits. Special Conditions to Section F(a): 1. If and only if the Personal Property is less than one (1) year old at the time of the accident, the cost of repair, reinstatement or replacement of the Personal Property will not be subject to a reduction or allowance for physical deterioration, depreciation or obsolescence. For clothing items, The Company will deduct an amount for wear and tear. 2. The local police or equivalent local law enforcement officials must be notified within twenty-four (24) hours of the occurrence of any Personal Property lost, stolen or damaged by the wilful act of a third party and which may give rise to a claim under this Section F. The written police report of such notification must also be provided to The Company. Failure to give the notice required or failure to provide the report required by this condition precedent will result in The Company having no liability under this Section F. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 15
3. If loss, theft or damage occurs in transit, the Public Conveyance carrier must be promptly notified of the loss or damage within twenty-four (24) hours of the discovery of the loss or damage. The written report by the Public Conveyance carrier of such notification must also be provided to The Company. Failure to give the notice required or failure to provide the report required by this condition precedent will result in The Company having no liability under this Section F of the policy. 4. The Company s maximum liability for loss or theft of, or damage to, all items of Personal Property during the Period of Insurance will be restricted to the amount stated in Section F(a) of the Schedule of Benefits. 5. Where any item of lost, stolen or damaged Personal Property forms part of a pair or set, The Company s maximum liability for that item and that pair or set will be restricted to the amount stated in Section F(a)(i) of the Schedule of Benefits. 6. For sport equipment, the maximum liability will be restricted to the amount stated in Section F(a)(ii) of the Schedule of Benefits. 7. The Company s total liability under this Section F(a) for all loss, theft or damage in connection with Personal Property during the Period of Insurance shall not exceed the Sum Insured stated in Section F(a) of the Schedule of Benefits. 8. Upon any payment being made under this Section F(a), The Company shall be entitled to take and retain the benefit and value of any recovered or damaged Personal Property and to deal with salvage at its absolute discretion. (b) Baggage Delay In the event that, during the Period of Insurance, the checked-in baggage is misdirected or temporarily misplaced by a Public Conveyance for more than twelve (12) consecutive hours on the arrival of an outward journey, The Company will reimburse the Insured Person for the cost of purchasing essential toiletries and clothing, up to the Sum Insured stated in Section F(b) of the Schedule of Benefits. (c) Personal Money and Personal Documents The Company will indenmify an Insured Person up to the Sum Insured stated in Section F(c) of the Schedule of Benefits for (i) The loss of the Insured Person s Cash carried for social and domestic purposes directly arising from theft, robbery or burglary during the Period of Insurance; and/or (ii) the replacement cost of Hong Kong Identity Card, credit cards, driving licence, travel tickets, hotel vouchers or passport which are lost or stolen during the Period of Insurance. Exclusions to Section F: This Section F does not cover: 1. Any theft loss of items while being left unattended in public places. 2. Any loss not reported within twenty-four (24) hours of discovery to or the Insured Person failed to obtain a report from local police, airline or other carrier who had custody of the baggage and/or may be responsible for the loss. 3. Loss of or damage to jewellery, furs, gold and silver articles, watches, radios, binoculars, cameras and audio/video equipment or money from an unattended vehicle or in transit not accompanied by the Insured Person and outside his/her control. 4. Household goods and anything shipped as freight. 5. Loss of or damage to items used in connection with the Insured Person s employment or occupation. 6. Loss of or damage to any pager, mobile phone, tablet computer or portable telecommunication equipment or any of these accessories including sim card or digital storage card and the like. 7. Loss of or damage to contact lenses, dentures, prostheses, bonds, negotiable instruments or securities. 8. Breakage of sports equipment while in use. 9. Damage to any brittle or fragile items. 10. Loss or damage caused by wear and tear, depreciation, deterioration, insects, vermin, mildew, denting, scratching, atmospheric conditions, the action of light, any process of heating, cleaning, repairing, restoring, mechanical or electrical breakdown, misuse, faulty design or workmanship. 11. Loss resulting from unexplained disappearance, or shortage due to error or omission or depreciation in value. 12. Any fines or penalties incurred by the Insured Person due to non-replacement or late replacement of the lost personal documents. 13. Any claim under this Section F(b) failed to accompanied by written confirmation from the carrier associated with the delay, misdirection or temporary misplacement of the baggage for more than twelve (12) consecutive hours after an Insured respective logos, and Chubb.Insured. are protected trademarks of Chubb. 16
Person s arrival at the destination s transport terminal stated in the Insured Person s original itinerary for the Journey. 14. Except for Section F(b)- Baggage Delay, the Excess per event for each Insured Person stated in Section F(d) of the Schedule of Benefits will not be paid by The Company. Section G Personal Liability In the event that an Insured Person becomes legally liable to pay compensation for an Accident occurring during the Period of Insurance which causes (a) death, Bodily Injury to any other person or (b) destruction of the property of others, The Company will pay that compensation on behalf of the Insured Person up to the Sum Insured stated in Section G of the Schedule of Benefits. Special Conditions to Section G: In the case of any accident, The Company may at any time pay to the Insured Person or his/her legal representative the maximum indemnity as stated in the Schedule of Benefits or any lesser sum(s) for which the claim(s) arising from such accident can be settled (but deducting therefrom any compensation(s) already paid in respect of a) or b) above) and The Company shall thereafter be under no further liability in respect of such accident except for the payment of costs and expenses of litigation incurred prior to the date of such payment. Exclusions to Section G: This Section G does not cover compensation: 1. Arising from death or Bodily Injury sustained by an Immediate Family Member, the employee of the Insured Person or by a person in the Insured Person's custody or control. 2. Arising from damage to property which belongs to the Insured Person or an Immediate Family Member or which is in the Insured Person's custody or control. 3. By way of damages for breach of any liability assumed under a contract. 4. For liability arising from the ownership, possession, lease or rental of any vehicle, aircraft, firearm or animal. 5. For liability arising from the undertaking of any trade or profession. 6. For any claim of whatever nature directly or indirectly caused by (a) ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from combustion of nuclear fuel, or (b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly. 7. Any liability arising from Bodily Injury or destruction of property directly or indirectly caused by seepage, pollution or contamination. 8. The cost of removing, nullifying or cleaning-up seeping, polluting or contaminating substances. 9. Fines, penalties, punitive or exemplary damages. 10. Any liability arising from or in connection with a. death or Bodily Injury of the Insured Person s family member or employee; b. loss of or damage to property which belongs to or in the custody or control of the Insured Person or his/her family member or his/her employee; c. the Insured Person s employment, trade, business or profession; d. the ownership or occupation of any land or buildings other than temporary holiday accommodation; e. the ownership, possession or use of animals, firearms, mechanically propelled vehicles, vessels or aircraft of any description. 11. Any liability which attached by virtue of an agreement but which would not have attached in the absence of such agreement. 12. Any claim or loss arising out of any activities and/or business conducted and/or transacted via the Internet, Intranet, Extranet and/or via the Insured Person s own website, Internet site, web address and/or via the transmission of electronic mail or documents by electronic means. 13. All claims and losses based upon, arising out of, directly or indirectly resulting from or in consequence of, or any way involving: a) asbestos; or b) any actual or alleged asbestos related injury or damage involving the use, presence, existence, detection, removal, elimination or avoidance of asbestos or exposure or potential exposure to asbestos. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 17
Section H Rental Vehicle Excess During the Period of Insurance when the Insured Person is on a Journey, in the event of loss or damage to the Rental Vehicle caused by an Accident whilst the Rental Vehicle is under the control of the Insured Person during the rental period, the Company will reimburse the respective excess or deductible of a comprehensive motor insurance which the Insured Person becomes legally liable to pay, up to the Sum Insured as stated in Section H of the Schedule of Benefits. Special Conditions to Section H: 1. The Rental Vehicle must be rented from a licensed rental agency. 2. As part of the hiring arrangement the Insured Person must take up all comprehensive motor insurance against loss or damage to Rental Vehicle during the rental period. 3. The Insured Person must comply with all requirements of the rental organization under the hiring agreement of the Rental Vehicle and of the insurer under such insurance, as well as the laws, rules and regulations of the country. 4. The Insured Person were at the time of the Accident duly licensed to drive the vehicle and were not taking part in or practising for speed or time trials of any kind. Exclusions to Section H: This Section H does not indemnify the Insured Person in respect of, any claim which is, directly or indirectly, caused by, a consequence of, or arises in connection with or is contributed to by any of the following: 1. Loss or damage arising from operation of the Rental Vehicle in violation of the terms of the rental agreement or loss or damage which occurs beyond the limits of any public roads or in the violation of laws, rules and regulations of the country. 2. Loss or damage arising from wear and tear, gradual deterioration, damage from insects or vermin, inherent vice, latent defect or damage. 3. Any Non Operation Charge (NOC), loss of use charge. Section I Home Contents Cover In the event of loss of or damage to Household Contents as a direct result of burglary in the Principal Home during the Period of Insurance, The Company will indemnify an Insured Person the replacement cost of the Household Contents up to the Sum Insured stated in Section I of the Schedule of Benefits. Special Conditions to Section I: 1. The local police or equivalent local law enforcement officials must be notified within twenty-four (24) hours of the discovery of the occurrence of any event which may give rise to a claim under this Section I. The written police report of such notification must also be provided to The Company. Failure to give the notice required or failure to provide the report required by this condition precedent will result in The Company having no liability under this Section I. 2. The Company s total liability under this Section I for all items of Household Contents owned by the same Insured Person and lost or damaged as a result of burglary during the Period of Insurance shall not exceed the Sum Insured stated in Section I of the Schedule of Benefits. 3. The burglary in the Principal Home must involve forcible and violent entry to or exit from the Principal Home. Exclusions to Section I: This Section I does not cover: 1. Any special or unique value possessed by any item of lost or damaged Household Contents forming part of a pair or set. 2. Replacement costs which are covered for the same risk by any other insurance. Section J Credit Card Protection If an Insured Person sustains Bodily Injury and, as a direct and unavoidable result, suffers Accidental death within twelve (12) consecutive months of that Bodily Injury, The Company will pay up to the Sum Insured stated in Section J of the Schedule of Benefits for any outstanding balance on the deceased Insured Person s credit card(s) for goods purchased by the deceased Insured Person during the Period of Insurance. Exclusions to Section J: This Section J does not cover: 1. Interest accrued or financial charges on the outstanding expenses of the deceased Insured Person s credit card. 2. Any outstanding balance on the deceased Insured Person s credit card which is covered for the same risk by any other insurance. 3. Sickness, disease or bacterial infection. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 18
4. Any amount/loss which is payable, refundable to, or recoverable by, the Insured Person from any other source of indemnity, reimbursement or compensation. 5. Payment of benefits under this Section J shall be in addition to those payable under Section A Personal Accident. Part IV General Exclusions General Exclusions Applicable To All Sections: This policy does not cover loss, consequential loss or liability arising from: 1. Any Pre-existing Medical Condition, congenital or heredity condition. 2. Travelling abroad contrary to the advice of a Physician, or for the purpose of obtaining medical treatment or services. 3. Suicide, attempted suicide or intentional self-infliction of Bodily Injury. 4. Any condition resulting from pregnancy, abortion, childbirth, miscarriage, infertility and other complications arising therefrom, cosmetic surgery or venereal disease. 5. Dental care (unless resulting from Accidental Bodily Injury to teeth which were sound and natural before the Accident). 6. Mental or nervous disorders, insanity, psychiatric condition or any behavioural disorder. 7. War (whether declared or not), invasion, act of foreign enemies, civil war, revolution, rebellion, insurrection, coup, hostilities (whether war is declared or not). 8. Direct participation in a Strike/ Riot/civil commotion/acts of terrorism or from the Insured Person performing duties as a member of armed forces, or armed service or disciplined forces (which shall include but not be limited to policemen, customs officers, firemen, immigration officers/inspectors and correctional service officers/inspectors etc.), or as a volunteer and engaged in war or crime suppression. 9. Participation in: (a) Any extreme sports and sporting activities that presents a high level of inherent danger (i.e. involves a high level of expertise, exceptional physical exertion, highly specialized gear or stunts) including but not limited to cliff jumping, horse jumping, stunt riding, big wave surfing and canoeing down rapids; unless such sports or sporting activities are usual tourist activities that are accessible to the general public without restriction (other than height or general health or fitness warnings) and which are provided by a recognized local tour operator, providing that an Insured Person is acting under the guidance and supervision of qualified guides and/ or instructors of the tour operators when carrying out such tourist activities, (b) Any professional competitions or sports in which an Insured Person receives remuneration, sponsorship or any forms of financial rewards, any stunt activity, off-piste skiing, (c) Racing, other than on foot but this does not include long-distance running more than ten (10) kilometres, biathlons and triathlons, (d) Private white water rafting grade four (4) and above, (e) Any kind of climbing, Mountaineering or Trekking or ordinarily necessitating the use of specialized equipment including but not limited to pitons, crampons, pickaxes, anchors, bolts, carabineers, rope, lead-rope or top-rope anchoring equipment at an altitude of over five thousand (5,000) meters above sea-level, (f) Scuba diving unless an Insured Person holds a PADI certification (or similar recognized qualification) or when diving with a qualified instructor. The maximum depth that this policy covers is as specified under the Insured Person s PADI certification (or similar recognized qualification). However, in any situation, it should not be deeper than thirty (30) meters and he/she must not be diving alone. 10. Prohibition or regulation by any government, or detention or destruction by customs or any other authority. 11. An unlawful, wilful, malicious or reckless act or omission of an Insured Person. 12. The actions of an Insured Person while under the influence of alcohol or drugs to the extent of legal impairment. 13. Riding in any aircraft other than as a passenger in an aircraft. 14. Any dishonest or criminal activity. 15. An Insured Person s failure to mitigate the loss or the claim under this policy. 16. AIDS or AIDS Related Complex, any Bodily Injury or Sickness commencing at the time of or subsequent to a zero positive test for HIV or related disease, or any other sexually transmitted diseases. 17. The Insured Person engaging in manual labour or non-clerical, or hazardous work including but not limited to offshore drilling, mineral extraction, handling of explosives, site working, stunt works and aerial photography. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 19
18. Any loss or expenses with respect to Cuba or a specially designated person, entity, group or company on the Specially Designated List or which if reimbursed or paid by The Company would result in The Company being in breach of trade or economic sanctions or other such similar laws or regulations. 19. Any person or entity who is not a party to this policy shall have no rights under the Contracts (Rights of Third Parties) Ordinance (Cap 623 of the Laws of Hong Kong) to enforce any terms of this policy. 20. Any claim if the Insured Person is over seventy-five (75) years of age when he/she suffers death, Bodily Injury, Sickness or incur the loss, damage or liability. 21. War and Terrorism Exclusion a) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power; or b) any act of terrorism including but not limited to (i) the use or threat of force, violence and/or (ii) harm or damage to life or to property (or the threat of such harm or damage) including, but not limited to, nuclear radiation and/or contamination by chemical and/or biological agents, by any person(s) or group(s) of persons, committed for political, religious, ideological or similar purposes, express or otherwise, and/or to put the public or any section of the public in fear; or c) any action taken in controlling, preventing, suppressing or in any way relating to a) or b) above 22. Radioactive Contamination, Chemical, Biological, Biochemical and Electromagnetic Weapons Exclusion a) ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel; b) the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof; c) any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter; d) the radioactive, toxic, explosive or other hazardous or contaminating properties of any radioactive matter. The exclusion in this sub- clause does not extend to radioactive isotopes, other than nuclear fuel, when such isotopes are being prepared, carried, stored, or used for commercial, agricultural, medical, scientific or other similar peaceful purposes; e) any chemical, biological, bio-chemical, or electromagnetic weapon. 23. Political Risks Exclusion a) permanent or temporary dispossession resulting from confiscation nationalisation commandeering or requisition by any lawfully constituted authority; b) permanent or temporary dispossession of any property resulting from the unlawful occupation or possession of such property by any person, provided that the Company is not relieved of any liability to the Insured Person in respect of physical damage to the property insured occurring before dispossession or during temporary dispossession which is otherwise covered by this policy. c) the destruction of property by order of any public authority. 24. Cyber Primary Exclusion a) DAMAGE: to any computer or other equipment or component or system or item which processes stores transmits or retrieves data or any part thereof including loss or corruption of data whether tangible or intangible (including but without limitation any information or programs or software) and whether the property of the Insured Person or not, where such DAMAGE is caused by [programming or operator error,] Virus or Similar Mechanism or Hacking; b) CONSEQUENTIAL LOSS: directly or indirectly caused by or arising from [programming or operator error,] Virus or Similar Mechanism or Hacking; but this exception shall not exclude any claim for subsequent loss or destruction of or damage to any property or consequential loss which itself results from a Defined Contingency (as defined hereunder), but only to the extent that such claim would otherwise be insured under this Policy. c) DEFINITION For the purpose of this exception only, "Defined Contingency" shall mean fire, lightning, explosion, aircraft and other aerial devices or articles dropped therefrom, riot, civil commotion, strikers, locked out workers, persons taking part in labour disturbances, malicious persons other than thieves, earthquake, storm, flood, escape of water from any tank apparatus or pipe, impact by any road vehicle or animal, volcano, freeze or weight of snow. d) Virus or Similar Mechanism Virus or Similar Mechanism means program code, programming instruction or any set of instructions intentionally constructed with the ability to damage, interfere with or otherwise adversely affect computer programs, data files or respective logos, and Chubb.Insured. are protected trademarks of Chubb. 20
operations, whether involving self-replication or not. The definition of Virus or Similar Mechanism includes but is not limited to trojan horses worms and logic bombs. e) Hacking Hacking means unauthorised access to any computer or other equipment or component or system or item which processes stores transmits or retrieves data. 25. Date Recognition Exclusion a) electronic circuit, microchip, integrated circuit, microprocessor, embedded system, hardware, software, firmware, program, computer, data processing equipment, telecommunication equipment or systems, or any similar device; b) media or systems used in connection with any of the foregoing; whether your property or not, at any time to achieve any or all of the purposes and consequential effects intended by the use of any number, symbol or word to denote a date including without limitation, the failure or inability to recognise capture save retain or restore and/or correctly to manipulate, interpret, transmit, return, calculate or process any date, data, information, command, logic or instruction as a result of (i) recognising using or adopting any date, day of the week or period of time, otherwise than as, or other than, the true or correct date, day of the week or period of time; (ii) the operation of any command or logic which has been programmed or incorporated into anything referred to in a) and b) above; This general exclusion does not apply in respect of the following sections, if provided by this Policy (a) Section A - Personal Accident, (b) Section B - Medical Expenses, (c) Section G - Personal Liability. Part V - Extensions 1. Hijack Extension: where the Journey is delayed due to an Insured Person being a victim of a hijacking during the Period of Insurance, the Period of Insurance shall be automatically extended by a maximum period of twelve (12) consecutive months from the date of the hijacking or, until the Insured Person passes through Hong Kong immigration control point on their return to Hong Kong, whichever is earliest. 2. Travel Extension (Applicable to Return Trip Only): where the duration of a Journey exceeds the Period of Insurance for any reason outside an Insured Person s control, the Period of Insurance shall be automatically extended without charge by a maximum period of seven (7) calendar days or until the Insured Person passes through Hong Kong immigration control point on their return to Hong Kong, whichever is the earliest. 3. Terrorism Extension (Applicable to Section A, B & C): Notwithstanding the War and Terrorism Exclusion, this Policy is extended to cover the Insured Person in respect of death or Bodily Injury (including necessary Medical Expenses incurred as covered under the applicable Sections) which may be sustained through acts of terrorism as described under the War and Terrorism Exclusion provided that there is no liability when such acts of terrorism involve the use of biological, chemical agents or nuclear devices. In consideration of The Company's provision of the aforesaid extension of cover under this Policy, it is hereby mutually agreed that The Company's maximum liability in respect of: a) death or Bodily Injury (including necessary Medical Expenses incurred as covered under the relevant policy) sustained by the Insured Person through acts of terrorism (as covered under this Extension) under this Policy and under any other policy or policies issued by the Company covering the same Insured Person against acts of terrorism ("the Other Policy"), and b) all benefits, costs and expenses incurred for the same Insured Person for emergency assistance services as arranged by the Company as a result of acts of terrorism (as covered under this Extension), which the Company is obliged to pay shall not exceed HK$3,000,000 in the aggregate subject to that if the maximum limit of indemnity under the Other Policy in the aggregate:- (i) is less than HK$3,000,000, The Company's maximum liability under this Extension shall be an amount in excess of the aforesaid maximum limit of indemnity under the Other Policy but subject to the maximum limit of indemnity of $3,000,000 in the aggregate irrespective of the number of claims within any of the periods of insurance under the policies; or (ii) is more than $3,000,000, the Insured Person shall not be indemnified under this Extension and the aforesaid Insured Person shall be indemnified under the Other Policy. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 21
Part VI General Conditions 1. Validity of Policy: (a) This policy is only valid for leisure travel or business travel (limited to administrative, clerical and non-manual works only) and shall not apply to persons undertaking expeditions, treks or similar journeys. (b) The Insured Person must be fit to travel. (c) This policy must be purchased prior to the commencement of the Journey. (d) If the Insured Person is under the age of twelve (12), he/she must be accompanied by a parent or a guardian in the Journey. 2. Entire Contract: This policy, together with its endorsement(s), attachment(s) (if any), any application form completed by an Insured Person, together with any document(s) attached to that application form or referred to in it, comprise and constitute the entire contract of insurance. This policy shall not be modified except by written amendment signed by an authorized representative of The Company. 3. Sum Insured under each Section: Once the Sum Insured available to an Insured Person under any section of this policy has been exhausted, that Sum Insured will not be reinstated and The Company will have no further liability under that section to that Insured Person. 4. Sum Insured paid out: Each and every benefit paid under this policy will erode the relevant Sum Insured available to an Insured Person, leaving only the balance of the relevant Sum Insured available to pay any remaining benefit claims which may be presented to The Company by that Insured Person. The Company s total liability under each section of this policy for each Insured Person involved in an Accident shall not exceed the relevant Sum Insured. 5. Duplicate Coverages: Each Insured Person agrees that, if they are covered under more than one TravellerShield Single Trip Travel Insurance policy or other travel insurance issued by The Company: (a) The Company will consider the Insured Person to be insured under the policy which provides the highest amount of benefit; or (b) The Company will consider the Insured Person to be insured under the policy which was issued first if the benefit amount is the same. In any case, The Company will refund the premium paid, without interest, to the Insured Person for the policy that does not provide cover. 6. Notice and Sufficiency of Claim: Written notice of claim must be given to The Company as soon as is reasonably possible and in any event within thirty (30) days from the first day of the event giving rise to the claim under this policy. Notice given by or on behalf of an Insured Person to The Company with information sufficient to identify the Insured Person shall be deemed valid notice to The Company. The Company, upon receiving a notice of claim, will provide to an Insured Person such forms as it usually provides for filing proof of claim. The Insured Person shall, at his/her own expense, provide such certificates, information and evidence to The Company as it may from time to time require in connection with any claim under this policy and in the form prescribed. Proof of all claims must be submitted to The Company within one-hundred-eighty (180) days from the first day of the event giving rise to a claim. 7. Claims Investigation: In the event of a claim, The Company may make any investigation it deems necessary and the Insured Person shall co-operate fully with such investigation. Failure by the Insured Person to co-operate with The Company s investigation may result in denial of the claim. 8. Examination of Books and Records: The Company may examine the Insured Person's books and records relating to this policy at any time during the Period of Insurance and up to three (3) years after the expiration of this policy or until final adjustment and settlement of all claims under this policy. 9. Physical Examinations and Autopsy: The Company, at its expense, has the right to have the Insured Person examined as often as reasonably necessary while a claim is pending. It may also have an autopsy carried out unless prohibited by law. 10. Other Insurance (Applicable to Sections B, D, E, F, G, H, I, and J): If a loss covered by this policy is also covered under any other valid insurance (and regardless of whether that other insurance is stated to be primary, contributory, excess, contingent or otherwise), or is compensated by other party, this policy will be subject to all of its terms and conditions, only cover that loss to the extent that the loss exceeds any amount recovered under the other insurance or other party. In any circumstances, the Insured Person should discover and reveal to The Company any compensation which is/will be recoverable from any other source. 11. Legal Action: No legal action shall be brought to recover on this policy until sixty (60) days after The Company has been given written proof of loss. No such action shall be brought after three (3) years from the date of loss. 12. Rights of Recovery: In the event that authorization of payment and/or payment is made by The Company or on its behalf by its authorized representatives, to include the Authorised Assistance Service Provider, The Company reserves the right to recover against the Insured Person the full sum which has been paid, or for which The Company is liable, to the Hospital to which the Insured Person has been admitted, less the liability of The Company under the terms of this policy. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 22
13. Subrogation: The Company is entitled to subrogate the Insured Person s right of recovery/indemnity against any third party and has the right to proceed at its own expense in the name of the Insured Person against third parties who may be responsible for an event giving rise to a claim under this policy. The Insured Person should co-operate and endeavour to secure such rights and shall not take any action to prejudice such rights. 14. Assignment: No assignment of interest under this policy shall be binding upon The Company. 15. To Whom Indemnities Payable: Any death payment will be paid to the deceased Insured Person s legal representatives. Any payment under Section C Chubb Assistance 24 Hour Worldwide Assistance Services will be paid to the Authorised Assistance Service Provider or another provider of services rendered to the Insured Person. All other benefits will be paid to the Insured Person. 16. Currency: The Sum Insured, benefits and limit of liability stated in the Schedule of Benefits and this policy are expressed in Hong Kong dollars. Notwithstanding the first sentence of this policy, losses and/or benefits will be adjusted and paid in Hong Kong dollars or at The Company s option in the currency of the local country. When currency conversion is necessary when applying terms and conditions of the policy, the rates of exchange to be adopted shall be those prevailing at the date of loss as per the exchange rate at the median level quoted on www.oanda.com. 17. Geographical Limit and Operative Time: The geographical limit and operative time shall apply twenty-four (24) hours a day anywhere within Hong Kong, to and from, and within the geographical limit described as the Journey on the Policy Schedule during the Period of Insurance except for Section C (a) to (d) Chubb Assistance 24 Hour Worldwide Assistance Services, when the geographical limit shall apply anywhere to and from, and within the geographical limit described as the Journey on the Policy Schedule outside Hong Kong unless otherwise stated in any endorsement issued by The Company. 18. Disclaimer: Section C Chubb Assistance 24 Hour Worldwide Assistance Services are arranged by the Authorised Assistance Service Provider and the Authorised Assistance Service Provider is solely responsible for these services. The Authorised Assistance Service Provider is not a subsidiary or an affiliate of Chubb Insurance Hong Kong Limited and Chubb Insurance Hong Kong Limited will not be liable for any loss or damage caused by or relating to this service or any act or omission of the Authorised Assistance Service Provider. 19. Cancellation by The Company: The Company may cancel this policy at any time by sending written notice, stating the effective date of cancellation, to the Insured Person s last known contact as shown in The Company s records. Cancellation will not affect valid claims already notified to The Company in accordance with General Condition 6 of this policy. 20. Premium: The Company has no liability under this policy until the premium is paid. The premium is deemed to be fully earned on the date this policy is purchased. No refund shall be allowed once the policy has been issued. 21. Mediation: Any dispute or difference arising out of, or in connection with, this policy must first be referred to mediation at the Hong Kong International Arbitration Centre (HKIAC) and in accordance with the HKIAC s mediation rules. If the mediation is abandoned by the mediator or otherwise ends without the dispute or difference being resolved, the dispute or difference must be referred to, and resolved by, arbitration at the HKIAC and in accordance with the HKIAC s domestic arbitration rules. If the dispute or difference arising out of, or in connection with, this policy requires medical knowledge (including, but not limited to, questions relating to the Sum Insured for any medical service or an operation not listed in the Schedule of Benefits) the mediator or arbitrator may, in The Company s reasonable discretion, be a registered medical practitioner or a consultant specialist, surgeon, or Physician. If The Company refuses to pay any claim under this policy and a dispute or difference arising from that refusal is not referred to mediation and, if necessary, arbitration, within twelve (12) months from the date of refusal, any claim against The Company arising from that dispute or difference will be barred. 22. Fraud or Mis-statement: Any false statement made by an Insured Person or concerning any claim shall result in The Company having the right to void this policy or repudiate liability under it. 23. Jurisdiction: This policy shall be governed and construed in accordance with the laws of Hong Kong. Subject to General Condition 21, any dispute under this policy shall be settled in accordance with the laws of Hong Kong. 24. Clerical Error: Clerical errors by The Company shall not invalidate insurance otherwise valid nor continue insurance otherwise not valid. 25. Breach of Conditions: If the Insured Person is in breach of any of the conditions or provisions of the policy (including a claims condition), The Company may decline to pay a claim, to the extent permitted by law. 26. Interpretation of this Policy: Please note that the English version of this policy is the official version. This policy has been provided to you in both English and Chinese languages for ease of reference only. The English version of the policy will prevail if any dispute arises regarding the interpretation of any part of the policy. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 23
Part VII How To Make A Claim The Claimant should submit a claim within thirty (30) days of the event taking place to Chubb Claim Centre* at www.chubbclaims.com/dbs/hk-en/welcome.aspx. You can simply scan the below QR code to access the Chubb Claim Centre on your smartphone or tablet. Alternatively, you can complete a claim form and submit together with the travel documents and the following documents as appropriate to Chubb Insurance Hong Kong Limited within thirty (30) days of the event taking place. Please call 3191 6618 for further assistance. * For English submission only. Personal Accident Cover / Credit Card Protection Medical report or certificate issued by a Physician certifying the degree or severity of disability Police report, where relevant Accidental Death Death certificate Coroner s report Police report, where relevant In the event of a disappearance, presumption of death as proclaimed by court Medical Expenses / Hospital Cash / Trauma Counselling Benefit Diagnosis, including patient name and date of diagnosis, certified by a Physician Original Hospital bill or receipt issued by a Hospital All bills, receipts and coupons Diagnosis and treatment, including patient name and date of diagnosis, certified by a Physician Original bill/ receipt issued by hotel/airline/public Conveyance, where relevant Personal Property / Personal Money / Loss of Passport / Personal Document Original receipts, including date of purchase, price, model and type of items lost or damaged Photos of the damaged items showing the extent of the damage Copy of notification to airline/public Conveyance and their official acknowledgement in writing when loss of damage has occurred in transit Police report (which must be made within 24 hours of the occurrence) Copy of notification to the issuing authority in respect of loss of travellers cheques (which must be made within 24 hours of the occurrence) Trip Cancellation and Curtailment All bills, receipts and coupons Diagnosis and treatment, including patient name and date of diagnosis, certified by a Physician Official documentation from airline/public Conveyance including victim s name, date, time, duration and reason for delay/cancellation Travel Delay / Missed Departure / Baggage Delay Official documentation from the airline/public Conveyance including victim s name, date, time, duration and reason of delay/cancellation Original bill/ receipt issued by hotel/airline/public Conveyance respective logos, and Chubb.Insured. are protected trademarks of Chubb. 24
Original boarding pass/ticket, bearing the scheduled departure and/or arrival time and the scheduled route and destination, issued by the operator of the Public Conveyance Original bill/ receipt of essential toiletries and clothing Personal Liability Statement on the nature and circumstances of the incident or event (No admission of liability or settlement can be made or agreed upon without written consent of The Company) All associated documentation received in connection with the incident or event (including copies of summons, all court documents, solicitors and other legal correspondence) Rental Vehicle Excess Rental agreement which shows the excess or deductible and terms and conditions of the comprehensive motor insurance Original receipt of the excess or deductible from the licensed rental agency Police report Home Contents Protection Receipts, including date of purchase, price, model and type of items lost or damaged; Photos of the damaged items showing the extent of the damage Police report (which must be made within 24 hours upon return from the Journey) These are some of the required documents for claims. The Company reserves the right to request the Insured Person to provide any other information or documents which are not specified above, if necessary. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 25
Part VIII Personal Information Collection Statement The Company ( We/Us ) want to ensure that Our Insured Persons ( You ) are confident that any personal data collected by Us is treated with the appropriate degree of confidentiality and privacy. This Personal Information Collection Statement sets out the purposes for which We collect and use personally identifiable information provided by You ("Personal Data"), the circumstances when Personal Data may be disclosed and information regarding Your rights to request access to and correction of Personal Data. (a) Purposes of Collection of Personal Data We will collect and use Personal Data for the purposes of providing competitive insurance products and services to You, including considering Your application(s) for any new insurance policies and administering policies to be taken out with Us, arranging the cover and administering and managing Your and Our rights and obligations in relation to such cover. We also collect the Personal Data to be able to develop and identify products and services that may interest You, to conduct market or customer satisfaction research, and to develop, establish and administer alliances and other arrangements with other organisations in relation to the promotion, administration and use of Our respective products and services. We may also use your Personal Data in other ways with your consent. (b) Direct marketing Only with your consent, We may also use your contact, demographic, policy and payment details to contact You with marketing information regarding our insurance products by mail, email, phone or SMS. (c) Transfer of Personal Data Personal Data will be kept confidential and We will not sell Your Personal Data to any third party. We limit the disclosure of Your Personal Data but, subject to the provisions of any applicable law, Your Personal Data may be disclosed to: (i) third parties who assist Us to achieve the purposes set out in paragraphs a and b above. For example, We provide it to Our relevant staff and contractors, agents and others involved in the above purposes such as data processors, professional advisers, loss adjudicators and claims investigators, doctors and other medical service providers, emergency assistance providers, insurance reference bureaus or credit reference bureaus, government agencies, reinsurers and reinsurance brokers (which may include third parties located outside Hong Kong); (ii) Our parent and affiliated companies, or any company within Chubb local and outside Hong Kong; (iii) the insurance intermediary through which You accessed the system; (iv) provided to others for the purposes of public safety and law enforcement; and (v) other third parties with your consent. With regard to the above transfers of Personal Data, where applicable, You consent to the transfer of Your Personal Data outside of Hong Kong. (d) Access and correction of Personal Data Under the Personal Data (Privacy) Ordinance ("PDPO"), You have the right to request access to and correction of Personal Data held by Us about You and We will grant You access to and correct Your Personal Data as requested by You unless there is an applicable exemption under the PDPO under which We may refuse to do so. You may also request Us to inform You of the type of Personal Data held by Us about You. Requests for access or correction of Personal Data should be addressed in writing to: Chubb Data Privacy Officer 25th Floor, Shui On Centre No. 6-8 Harbour Road Wanchai, Hong Kong O +852 3191 6222 F +852 2519 3233 E Privacy.HK@chubb.com Your request to obtain access or correction will be considered within forty (40) days of Our receipt of Your request. We will not charge You for lodging a request for access to Your Personal Data and if We levy any charges for providing information, such charges will not be excessive. No fee is charged for data correction requests. respective logos, and Chubb.Insured. are protected trademarks of Chubb. 26
根據向本公司所支付保費, 並按照本保單所載的條文及條款, 本公司同意按照本保單所載的方式及範圍提供保障 請詳閱本保單如本保單所載資料有任何不正確之處, 請立即將本保單交回本公司以作修正 第一部分 保障計劃 保障 A. 個人意外 金計劃港幣 銀計劃港幣 (a) 乘搭公共交通工具時發生 / 持械搶劫引致的意外保額 2,000,000 1,000,000 (b) 其他意外保額 1,000,000 500,000 B. 醫療費用 (a) 醫療費用保額 600,000 300,000 (b) 覆診醫療費用 覆診醫療費用最高限額 保額 50,000 50,000 (b)(i) 中醫最高限額 保額 1,500 1,500 (b)(ii) 中醫每日最高限額保額 150 150 (c) 創傷輔導保障保額 20,000 20,000 (c)(i) 創傷輔導保障每日最高限額保額 1,000 1,000 (d) 住院現金保額 3,000 1,000 (d)(i) 住院現金每日最高限額 500 500 (e) 休養期酒店住宿保障保額 6,000 6,000 C. Chubb Assistance 24 小時環球支援服務章節 C Chubb Assistance 最高限額保額 2,000,000 2,000,000 (a) 緊急醫療運送及 / 或運返保額 2,000,000 2,000,000 (b) 遺體運返保額 50,000 50,000 (c) 親友探望保額 20,000 20,000 (c)(i) 每晚住宿費用金額上限 1,200 1,200 (d) 小童護送保額 20,000 20,000 (e) Chubb Assistance 24 小時電話熱線及轉介服務適用適用 D. 取消及縮短旅程 (a) 取消旅程保額 30,000 20,000 (b) 縮短旅程保額 30,000 20,000 E. 旅程延誤及旅程誤點 (a) 旅程延誤保額 2,500 1,000 每滿 8 小 250 (a)(i) 現金賠償, 按每段延誤計算 250 時延誤 (b) 旅程誤點保額 10,000 5,000 (c) 遺失護照保額 2,000 1,000 F. 個人財物及個人金錢 (a) 個人財物 最高限額 保額 15,000 10,000 (a)(i) 個人財物每件 / 套 / 對物件之最高限額 2,000 2,000 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 27
(a)(ii) 運動用品之最高限額 5,000 5,000 (b) 行李延誤 保額 2,500 1,500 (c) 個人金錢及個人證件 保額 3,000 2,500 (d) 章節 F 每一受保事件的自負金額 ( 章節 F(b) 行李延誤除外 ) 200 200 G. 個人責任保額 2,500,000 2,500,000 H. 租用汽車的免責補償費用保額 5,000 5,000 I. 家居財物保障保額 20,000 10,000 J. 信用卡保障保額 10,000 10,000 客戶服務熱線 : (852) 3191 6618 24- 小時環球支援熱線 : (852) 3723 3030 第二部分 - 詞彙釋義 在本保單內, 下列詞彙應具有以下涵義 : 1. 意外或意外的指偶然發生的突發 不可預見及意料之外的事件 2. Chubb Assistance 或授權支援服務供應商指本公司所指定向受保人提供海外支援服務的獨立服務供應商 3. 黑色警示指由香港政府保安局於 外遊警示制度 下就旅遊目的地發出的黑色外遊警示級別, 就此定義, 本公司會配合香港政府保安局就 外遊警示制度 的修訂不時作出修改 4. 身體損傷指於受保期間純粹及完全由意外造成的身體損傷 5. 現金指屬於受保人並由受保人於旅程期間攜帶的現金或旅遊支票 6. 中醫師指根據 中醫藥條例 ( 第 549 章 ) 正式註冊為中醫師, 惟有關人士不得為受保人或直系家庭成員 7. 住院指須以住院病人形式持續入住醫院, 且醫院亦收取病房及膳食費用 8. 自負金額指受保人在接受本公司在本保單內支付相關保障前須自行承擔的金額 9. 醫院指按照其國家法律營運的合法機構, 並符合以下所有要求 : (a) 營運的主要目的是以住院病人形式為患病 抱恙或受傷人士提供接待 醫療護理及治療 ; 及 (b) 在一名或多名駐診醫生的監督下接納以住院病人形式入院, 而其中一位醫生必須隨時當值診症 ; 及 (c) 維持妥善設施以為住院病人提供醫學診斷及治療, 並於機構內或由機構控管之地方內提供進行各主要手術之設備 ; 及 (d) 設有由合資格護士人員提供及監督之全日制護理服務 ; 及 (e) 任何時候均有最少一名醫生及一名合資格護士當值 ; 及 (f) 醫院 一詞之釋義不包括以下 : 精神病院, 主要提供精神科或包括弱智等心理病治療之機構, 以及醫院之精神科病院 ; 老人院 療養院 戒毒中心或戒酒中心 ; 水療或自然療法診所 療養或復康中心, 醫院內主要為吸毒者或酗酒者提供地方或作為護理 復康 康復治療 延續護理設施或療養院的特別單位 10. 香港指香港特別行政區 11. 家居財物指屬於受保人或其家屬的貴重物品 金錢 家居裝修 傢俬 家居布置 家用電器 家居及個人物品 12. 家居裝修指受保人在其家居範圍內對業主之設備及裝置進行裝修及改善 13. 直系家庭成員指受保人的配偶 父母 配偶之父母 祖父母 子女 兄弟姐妹 孫子女 合法領養的子女或法定監護人 14. 受保人指名列保單承保表或後續批註 ( 如有 ) 內的一名或多名人士 15. 旅程指保單承保表所述的香港以外旅程 16. 醫療費用指受保人因遭受身體損傷或患病, 於接受住院 手術 醫療 緊急牙科治療 ( 由身體損傷引致 ) 或由醫生給予或處方的其他診斷或治療 ( 包括聘請護士 X 光檢查或因緊急情況使用救護車 ) 而必須引致的所有正常 合理及慣常的醫療費用 17. 受保期間指限於本保單保單承保表上所述之相關計劃下的受保時段, 詳情如下 : 就來回程計劃而言, 指 : (a) 關乎本保單章節 D(a) ( 取消旅程 ), 指由保單承保表所列購買本保單日子開始至旅程展開之時終止 ; 或 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 28
(b) 關乎本保單其他章節, 於下列時間 ( 以較後者為準 ) 開始 :(i) 受保人離開香港展開其旅程前之三 (3) 個小時, 或 (ii) 受保人由香港的居所或工作地點直接前往香港入境處出入境管制站以展開其旅程的時間 ; 而受保時段於下列時間 ( 以最早者為準 ) 結束 :(i) 受保人離開香港展開其旅程後一百八十二 (182) 天 ( 包括保單承保表所列之 旅遊期間 首日起計 ), 或 (ii) 由受保人於完成旅程返回香港通過香港入境處出入境管制站後三 (3) 個小時, 或 (iii) 保單承保表所列之 旅遊期間 終止日期 就單程計劃而言, 指 : (a) 關乎本保單章節 D(a) ( 取消旅程 ), 指由保單承保表所列購買本保單日子開始至旅程展開之時終止 ; 或 (b) 關乎本保單其他章節, 於下列時間 ( 以較後者為準 ) 開始 :(i) 受保人離開香港展開其旅程前之三 (3) 個小時, 或 (ii) 受保人由香港的居所或工作地點直接前往香港入境處出入境管制站以展開其旅程的時間 ; 而受保時段於下列時間 ( 以最早者為準 ) 結束 :(i) 受保人到達列於保單承保表的最終目的地的第七 (7) 日, 或 (ii) 保單承保表所列之 旅遊期間 終止日期 18. 永久指 : (a) 就單或雙肢而言, 由意外發生之日期起喪失功用連續十二 (12) 個月, 且於該期間結束時情況仍無改善希望或無法透過手術或其他治療治癒, 或因於該期間內自手腕或足踝關節以上從身體分離而喪失有關肢體 ; 或 (b) 就任何其他類型喪失而言, 由意外發生之日期起計連續十二 (12) 個月結束時, 仍無改善希望或無法透過手術或其他治療治癒 19. 永久完全傷殘指純粹 直接及不受其他因素影響下由身體損傷導致的傷殘, 其相關身體損傷須於意外後的一百八十 (180) 日內發生出現 ; 而該傷殘由意外發生之日期起計, 須連續及無間斷持續十二 (12) 個月 ; 及須在所有的可能性下, 將完全妨礙受保人於餘生無法就業或擔當任何職務 20. 個人財物指是屬於受保人的及在旅程中攜帶的個人物品, 惟不包括任何種類的文件或貨版 於受保人不在場及控制範圍以外的珠寶 皮草 黃金及純銀物品 腕錶 收音機 望遠鏡 相機及影音器材或款項 船隻附運的家居或其他物品 受保人在職業或工作中使用的物件 傳呼機 手提電話 平板電腦或手提通訊設備或其任何配件, 包括電話卡和數碼存儲卡等 隱形眼鏡 假牙 義肢 債劵 流通票據或股票 運動器材 易碎或易破爛物品 21. 醫生指合資格執業的西醫, 在提供治療予他人時, 所處司法管轄區的主管醫療當局已發出牌照予他 / 她, 他 / 她於提供治療時已領有合資格執業的醫師牌照並提供其接受培訓的範圍內的醫療服務, 惟有關人士不包括受保人及直系家庭成員 22. 保單承保表指列載有 (i) 受保人之姓名,(ii) 受保旅程之目的地, 及 (iii) 選定受保計劃之一份或多份文件 23. 受保前已存在之傷病指於投保時, 受保人 直系家庭成員 或未婚夫 ( 妻 ) 出現跡象或症狀, 或於同一期間, 受保人 直系家庭成員或未婚夫 ( 妻 ) 已尋求或接受 ( 或理應經已尋求或接受 ) 醫生給予醫療 會診 處方藥物 診症或診斷的任何患病或傷害 24. 主要住所指受保人於香港的一個主要居住地點 25. 公共交通工具指由持有效牌照可以出租方式提供定期定點運載乘客的公司或個人營運並以機械推動的任何運載工具 26. 住院病人指因身體損傷或患病必須作為住院病人住院接受醫療 診斷及治療的受保人 ( 而非僅僅是任何形式的護理 療養 康復 休養或延展看護 ) 27. 租用汽車指從持牌營運租用汽車公司租用其只用作在公共道路上運載受保人的非商用陸上車輛 ( 包括露營車, 但不包括摩托車 ) 28. 暴亂指人群參與擾亂公共治安的行為 ( 不論是否與罷工或停工有關 ), 及任何依法成立的政府機關為鎮壓或試圖鎮壓任何上述擾亂行為或將上述擾亂行為的影響降至最低而採取的行動 29. 保障計劃指本保單第一部分所載的保障計劃表 30. 患病指於受保期間遇上身體不適或罹患疾病 31. 特別指定名單指於美國 澳洲 聯合國 歐盟或英國之經貿制裁或其他近似的法律或條例內相關的名單上所列之人士 實體 團體或企業 32. 罷工指任何罷工工人或停工工人為推動罷工或抵制停工而蓄意作出的行為 ; 或任何依法成立的機關為阻止或試圖阻止任何上述行為或將任何上述行為的影響降至最低而採取的行動 33. 保額指, 就受保人根據本保單可享用的各項保障而言, 在保障計劃或該保障的任何相應批註中所列最高金額 34. 本公司指安達保險香港有限公司 35. 正常 合理及慣常的醫療費用指在醫療方面用於治療受保人的病症所需的治療 物品或醫療服務的費用, 且該費用不高於產生有關費用地區的類似治療 物品或醫療服務費用的正常水平 此釋義並不包括假如並無保險則不會產生的費用 第三部分 - 項目說明 章節 A - 個人意外 (a) 乘搭公共交通工具時發生 / 遇上持械搶劫引致的意外 : 若受保人 ( 於受保期間首日其年齡介乎十八 (18) 歲至七十 (70) 歲 ),(i) 以繳費乘客身份乘搭公共交通工具或乘坐私家車時遭受身體損傷, 或 (ii) 成為企圖或蓄意的持械搶劫案中之受害者時, 而直接及無可避免地於連續十二 (12) 個月內蒙受本章節 A 的損傷表所列的任何類別的損失, 本公司將按照本章節 A 損傷表上所列損失類別的百分比, 支付保障計劃第 A(a) 項所列保額 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 29
但若受保人 ( 於受保期間首日其年齡介乎十八 (18) 歲以下或七十 (70) 歲以上 ),(i) 以繳費乘客身份乘搭公共交通工具或乘坐私家車時遭受身體損傷, 或 (ii) 成為企圖或蓄意的持械搶劫案中之受害者時, 而直接及無可避免地於連續十二 (12) 個月內蒙受本章節 A 的損傷表所列的任何類別的損失, 本公司將按照本章節 A 損傷表上所列損失類別的百分比, 支付保障計劃第 A(a) 項所列保額之百分之五十 (50) (b) 其他意外 : 若受保人 ( 於受保期間首日其年齡介乎十八 (18) 歲至七十 (70) 歲 ), 遇上上文章節 A(a) 所載以外的意外並遭受身體損傷, 而直接及無可避免地於連續十二 (12) 個月內蒙受本章節 A 的損傷表所列的任何類別的損失, 本公司將按照本章節 A 的損傷表上所列損失類別的百分比, 支付保障計劃第 A(b) 項所列保額 若受保人 ( 於受保期間首日其年齡介乎十八 (18) 歲以下或七十 (70) 歲以上 ), 遇上上文章節 A(a) 所載以外的意外並遭受身體損傷, 而直接及無可避免地於連續十二 (12) 個月內蒙受本章節 A 的損傷表所列的任何類別的損失, 本公司將按照本章節 A 的損傷表上所列損失類別的百分比, 支付保障計劃第 A(b) 項所列保額之百分之五十 (50) (c) 業餘危險運動延展保障儘管有一般不受保事項限制, 在本章節則不受一般不受保事項約束, 若受保人 ( 於受保期間首日其年齡介乎十八 (18) 歲至七十 (70) 歲 ) 以業餘身份參與熱氣球 不超過水深三十 (30) 米之水肺潛水 冬季運動 滑水 急流飄筏 帆船航行 滑浪風帆 吊索跳或騎馬活動時身體損傷而導致死亡或永久殘廢, 本公司將按照本章節 A 的損傷表上所列損失類別的百分比, 支付保障計劃第 A(b) 項所列保額 但若受保人 ( 於受保期間首日其年齡介乎十八 (18) 歲以下或七十 (70) 歲以上 ) 以業餘身份參與熱氣球 不超過水深三十 (30) 米之水肺潛水 冬季運動 滑水 急流飄筏 帆船航行 滑浪風帆 吊索跳或騎馬活動時身體損傷而導致死亡或永久殘 廢, 本公司將按照本章節 A 的損傷表上所列損失類別的百分比, 支付保障計劃第 A(b) 項所列保額之百分之五十 (50) (d) 墊付現金 如受保人因身體損傷而導致死亡, 本公司可批准向其合法遺產代理人墊付港幣 50,000 元現金 預支上述墊付現金後, 本公 司將在本保單章節 A 的死亡保障賠償額中扣減相應金額 章節 A 損傷表 : 損失類別 保額百分比 1. 意外死亡 ( 意外日期起計 12 個月內死亡 ) 100% 2. 永久完全傷殘 100% 3. 永久及完全喪失四肢或無法治癒的四肢癱瘓 100% 4. 永久及完全喪失雙眼視力 100% 5. 永久及完全喪失雙肢 100% 6. 永久及完全喪失語言能力及聽覺 100% 7. 永久及完全喪失單眼視力 50% 8. 永久及完全喪失單肢 50% 9. 永久及完全喪失聽覺 50% 10. 永久及完全喪失語言能力 50% 章節 A 的特別條款 : 1. 假若受保人在同一次意外中遭遇超過一類章節 A 的損傷表所列的損失, 本公司於本章節 A 的責任僅限於支付一種損失類別, 即根據所有實際遭遇的損失類別中, 在本章節 A 的損傷表所列百分比為最高的一種損失類別, 而本公司只會支付保障計劃第 A 項所列相關保額 2. 本公司根據本章節 A 就涉及同一受保人於受保期間內發生的所有意外而承擔的總責任不會超逾相關保額 3. 假若受保人的肢體或器官於意外發生前在運用上或感覺上已部分受損, 則本公司可按其酌情決定及經考慮由本公司委任的醫療顧問所作的醫療評估後, 按醫療顧問的意見認為純粹及單獨由該意外導致的任何身體損傷程度, 支付其認為合理的相關保額百分比 本公司不會就意外發生前完全不能運用的肢體或器官支付費用 4. ( 只適用於家庭計劃 ) 假若本保單保障超過一名來自同一家庭的受保人, 且該家庭超過一名成員涉及同一次意外, 本公司於本章節 A 對所有涉及該意外的所有受保人的總責任不超逾適用於該家庭任何成員的最高保額的 300% 5. 風險 : 假若受保人於受保期間因遭遇意外而不可避免地面對致命風險因素, 及因此直接及不可避免地導致於連續十二 (12) 個月內遭遇本章節 A 的損傷表內的其中一項損傷, 本公司將假定該身體損傷發生於意外當天 6. 失蹤 : 假若受保人的遺體於受保人所使用的交通工具失蹤 沉沒 毀壞, 當日起計一 (1) 年內未能尋回 : (a) 則假設受保人已於上述失蹤 沉沒或毀壞時因身體損傷而導致意外死亡 ; 及 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 30
(b) 在收到由已故受保人的法定代表簽署的承諾書後 ( 假若受保人因身體損傷而導致意外死亡的假設其後被證實有誤, 則本公司根據本章節 A 支付的任何款項將即時退還本公司 ) 本公司將按照本章節 A 的損傷表就意外死亡所列百分比, 向已故受保人的法定代表支付保障計劃第 A 項所列相關保額 章節 A 的不受保事項 : 本章節 A 並不保障 : 1. 患病 疾病或細菌感染 2. 受保人因有違醫生勸喻而進行的旅程或該旅程的目的為接受治療的索償 3. 投保時早已存在的任何疾病 身體或精神病況而導致死亡 身體損傷或患病, 包括受保人已知悉或曾接受治療的繼發性 慢性或持續性的疾病或病況 以下情況均視為投保時早已存在的情況 : (i) 在本保單生效前已尋求 獲得或可預見的治療 服藥 建議或診斷 ; 或 (ii) 受保人或其父母 ( 如 受保人 未滿 18 歲 ) 任何一方在本保單生效日期前已知悉或應該知悉的狀況, 不管此等狀況是否已尋求或獲得治療 服藥 建議或診斷 4. 因性病 懷孕 分娩 流產或故意犯險的索償 章節 B - 醫療費用 (a) 醫療費用 : 假若受保人於該受保期間內因身體損傷或患病而引致 :- (i) 醫療費用 ; 或 (ii) 如受保人因由醫生建議, 必須以及無可避免地需要延遲返回香港, 因而不能使用原計劃的回程機票, 本公司將賠償合理的額外返港之交通費用 惟總金額上限為保障計劃第 B(a) 項所列保額 (b) 覆診醫療費用 : 假若受保人於該旅程內因身體損傷或患病而在香港以外引致醫療費用, 返回香港後, 受保人仍須就同一身體損傷或患病在香港求診, 而醫生及 / 或中醫師給予治療或處方藥物, 則本公司將繼續向受保人補償因此所引致 : (i) 因於香港接受中醫診治而引致的合理醫療費用, 而該費用由中醫師收取 ; 或 (ii) 在以上本章節 B(b)(i) 以外的任何在香港引致的醫療費用直至受保人返回香港後九十 (90) 天或保障計劃第 B(b) 項所列保額耗盡為止 ( 以較早耗盡者為準 ) (c) 創傷輔導保障 : 倘若於受保期間內, 受保人遇上造成精神創傷的事情, 包括但不限於強姦 槍刧 襲擊 自然災害 遭到劫持或恐怖活動, 為上述造成精神創傷事件的受害者並因而蒙受身體損傷, 按醫生意見就該身體損傷而接受創傷輔導服務, 本公司將向受保人補償, 在發生造成精神創傷的事情後九十 (90) 天內引起的合理及必須的創傷輔導費用, 惟金額上限為保障計劃第 B(c) 項所列保額 (d) 住院現金 : 受保人因身體損傷或患病而直接及不可避免地在香港以外住院時, 本公司將按照保障計劃第 B(d)(i) 項所列每日保障金額, 就每日住院向受保人支付保障, 惟上限為總保障計劃第 B(d) 項所列保額 章節 B(d) 的特別條款 : 1. 於本章節 B(d) 的保障僅在住院結束後方會支付 2. 本公司根據本章節 B 對所有住院的總責任, 不可超逾保障計劃第 B(d) 項所列保額 章節 B(d) 的不受保事項 : 1. 受保人返回香港後的任何住院事宜 (e) 休養期酒店住宿保障若受保人於旅程內因身體損傷或患病導致須在香港以外住院, 並且在出院時, 因按醫生指示須即時原地休養再繼續旅程, 本公司將補償一 (1) 間普通客房的合理住宿費用 ( 但不包括飲料 膳食及其他房間服務的費用 ), 本項保障最高金額為每日港幣 1,200 元, 最長賠償期為連續五 (5) 晚, 惟本章節賠償金額上限為保障計劃章節 B(e) 所列保額 (f) 業餘危險運動延展保障 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 31
儘管有一般不受保事項限制, 在本章節則不受一般不受保事項約束, 若受保人 ( 於受保期間首日其年齡介乎十八 (18) 歲 至七十 (70) 歲 ) 以業餘身份參與熱氣球 不超過水深三十 (30) 米之水肺潛水 冬季運動 滑水 急流飄筏 帆船航行 滑浪風帆 吊索跳或騎馬活動時身體損傷而導致的醫療費用, 本公司將支付保障計劃第 B 項所列的相關保額 但若受保人 ( 於受保期間首日其年齡介乎十八 (18) 歲以下或七十 (70) 歲以上 ) 以業餘身份參與熱氣球 不超過水深三十 (30) 米之水肺潛水 冬季運動 滑水 急流飄筏 帆船航行 滑浪風帆 吊索跳或騎馬活動時身體損傷而導致的醫療費用, 本公司將支付保障計劃第 B 項所列的相關保額之百分之五十 (50) 章節 B 的特別條款 : 1. 於受保期間於香港以外作為或預備作為住院病人, 須立即通知授權支援服務供應商 如未能按照此項先決條款規定而發出通知, 本公司恕不承擔本保單項下有關醫療費用的任何責任 2. 本公司根據本章節 B(a) 對於在該受保期間內引致的所有醫療費用的總責任, 不可超逾保障計劃第 B(a) 項所列保額 3. 本公司根據本章節 B(b) 內引致的各項費用的責任, 不可超逾保障計劃第 B(b) 項所列金額 4. 本公司根據本章節 B(b)(i) 對於中醫師收取的所有費用的責任, 不可超逾保障計劃第 B(b)(i) 項所列金額 由中醫師收取的每日最高金額應為保障計劃的第 B(b)(ii) 項所列金額 5. 本公司根據本章節在香港引致的醫療費用責任 ( 包括中醫師收取的所有費用 ) 不會超逾保障計劃第 B(b) 項所列金額 6. 本公司根據本章節 B(c) 對所有於受保期間內引致的創傷輔導服務費用的總責任, 不可超逾保障計劃第 B(c) 項所列保額 創傷輔導費用的每日最高保障應為保障計劃的第 B(c)(i) 項所列金額 7. 本公司根據本章節 B(d) 對所有於受保期間內引致的住院現金的總責任, 不可超逾保障計劃第 B(d) 項所列保額 住院現金的每日最高保障應為保障計劃的第 B(d)(i) 項所列金額 8. 本公司根據本章節 B 對所有醫療費用 由中醫師收取的費用及創傷輔導費用的總責任, 不可超逾保障計劃第 B(a) 項所列保額 9. 由脊醫 物理治療師 職業治療師 針灸師 ( 章節 B(b)(i) 項中所列的跌打醫師除外 ) 等人所收取的費用, 須同時附有醫生的轉介信或類似證明的情況下, 才可獲賠償 章節 B 的不受保事項 : 本章節 B 並不保障 : 1. 於支付旅程費用當時已包括或預期的任何費用 2. 按照診治受保人的醫生認為, 可合理地延遲至受保人返回香港後才接受的手術或醫治 3. 受保人未有於合理時間內遵循醫生的意見, 返回香港繼續治療於香港以外遭受的身體損傷或患病, 因而在其後引致的任何費 用 4. 受保人在旅程出發前, 經醫生診斷認為不適宜旅行後, 他 / 她在旅程內引致的任何費用 5. 引致首次費用之日期起計十二 (12) 個月後根據章節 B(a) 索償的任何費用 6. 受保人返回香港九十 (90) 日後, 根據章節 B(b) 索償的任何覆診費用 7. 在發生造成精神創傷的事件的九十 (90) 日後, 根據章節 B(c) 索償的任何費用 8. 健康檢查或任何並非與診斷 身體損傷或患病直接有關的檢驗, 或並非醫療上必需的任何治療或檢驗 9. 因性病 懷孕 分娩 流產或故意犯險的索償 10. 任何與患病或身體損傷無直接關係的非病理上必須或非緊急性住院醫療開支 11. 非由醫生建議或進行的治療的索償 章節 C - Chubb Assistance - 24 小時環球支援服務 (a) 緊急醫療運送及 / 或運返 : 若授權支援服務供應商指定的醫生證實受保人的身體損傷或患病令其不適宜旅行或繼續其旅程或危及其生命或健康, 以及在受保人蒙受身體損傷或患病後受保人已經被送往最近的醫院或近處接受治療, 而該處並無所須之治療, 本公司可在醫生認為在醫療上適宜運送受保人的情況下, 全權決定將受保人運送往其他地點接受所需治療 授權支援服務供應商將於合理時間內安排運送, 以及按照受保人的健康狀況, 以最佳方式運送受保人, 包括但不限於空中救護車 陸上救護車 定期航班 鐵路或其他合適交通工具 運送的工具及最終目的地將由授權支援服務供應商決定, 並完全以醫療必要性決定 授權支援服務供應商會在適當情況下, 將受保人送返香港 本公司將直接向授權支援服務供應商支付受保人的緊急醫療運送及 / 或運返 相關醫療服務及醫療物品的實際費用, 惟金額上限為保障計劃第 C(a) 項所列保額 (b) 遺體運返 : 於受保人因身體損傷或患病而直接及不可避免地導致其身故時, 本公司將支付把受保人的遺體由死亡地點運返香港或經由授權支援服務供應商批准在死亡地點當地安葬的費用, 惟金額上限為保障計劃第 C(b) 項所列保額 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 32
(c) 親友探望 : 若醫生證實受保人的身體損傷或患病令其不適宜旅行或繼續其旅程或危及其生命或健康或在旅程中身故, 本公司將支付 (i) 一 (1) 張來回經濟客位機票的費用予一 (1) 位人士前往探望於香港以外的受保人, 及 (ii) 於任何海外酒店內的一 (1) 間普通客房最多連續五 (5) 晚的合理住宿費用 ( 但不包括飲料 膳食及其他房間服務的費用, 每晚住宿費用上限為保障計劃第 C(c)(i) 項所列之金額, 而本章節 C(c) 之賠償金額上限為保障計劃第 C(c) 項所列保額 (d) 小童護送 : 在發生以下情況時 : (i) 當受保人因身體損傷或患病而直接及無可避免地需住院, 並獲醫生證明受保人不適宜旅行或繼續其旅程或危及其生命或健康或在旅程中身故 ; 及 (ii) 該受保人同行之小童 ( 該小童必須為受保人 ) 於該旅程首日年齡十八 (18) 歲以下 ; 及 (iii) 該小童因受保人的住院而面對無人照顧的風險 本公司將安排及支付一 (1) 張單程經濟客位機票, 護送該名小童返回香港, 惟金額上限為保障計劃第 C(d) 項所列保額 (e) Chubb Assistance 二十四 (24) 小時電話熱線及轉介服務 : 下列服務僅以轉介及安排的方式提供, 且所有費用須由受保人支付 : 預防注射及簽證規定的資訊服務 領使館轉介 傳譯員轉介 遺失行李支援 遺失旅遊證件支援 電話醫療諮詢 醫療服務供應商轉介 住院時醫療狀況監察 預約醫生安排 醫院入住安排有關本服務之詳情, 請致電電話熱線查詢或參閱由 Chubb Assistance 提供的轉介服務資料 若您對本電話熱線及轉介服務有任何查詢, 可致電電話熱線 (852) 3723 3030 向 Chubb Assistance 查詢 章節 C 的特別條款 : 1. 本章節 C 的服務由授權支援服務供應商提供 假若發生根據章節 C (a) 至 (d) Chubb Assistance 24 小時環球支援服務可能導致潛在索償的任何事件, 須立即通知本公司或授權支援服務供應商 如未能發出本特別條款規定的通知, 本公司恕不承擔於保單章節 C 下的任何責任 2. 運送的安排 方式及最終目的地將由授權支援服務供應商決定, 並完全以醫療必要性決定 3. 本公司根據本章節 C 支付款項後, 本公司有權收取來自原有回程機票的任何應退還款項 4. 本公司根據本章節 C 對所有緊急醫療運送及 / 或運返 遺體運返 親友探望 小童護送及二十四 (24) 小時電話熱線及轉介服務的總責任, 不可超逾保障計劃第 C 項所列的總保額 章節 C 的不受保事項 : 本章節 C 並不保障任何 : 1. 於支付旅程費用時已包括或預期的費用 2. 受保人在旅程出發前, 經醫生診斷認為不適宜旅行後, 他 / 她在旅程內引致的費用 3. 由其他人士提供服務而產生的費用, 該等費用受保人並不應負責的 4. 不是由授權支援服務供應商批准及安排的服務而產生的費用 5. 非由醫生給予或處方的治療 6. 可合理地延遲至受保人返回香港後才接受治療而產生的費用 章節 D - 取消及縮短旅程 (a) 取消旅程假若在購買本保單後,: (i) 受保人 直系家庭成員或受保人的未婚夫 ( 妻 ) 在旅程計劃開始日期前三十 (30) 天內突然身故 蒙受身體損傷或患病 ; 或 (ii) 在購買本保單後及旅程計劃開始日期前三十 (30) 天內, 受保人須出任陪審員或受保人收到出任證人傳票 ; 或 (iii) 受保人在購買本保單後及旅程計劃開始日期前三十 (30) 天內, 在未能預計地, 受保人持續被強制性隔離 ; 或 (iv) 受保人的主要住所在購買本保單後及旅程計劃開始日期前三十 (30) 天內因盜竊 火災 水災 颱風 地震或山泥傾瀉而受到嚴重損毀或不能居住, 且受保人就此理應於旅程計劃出發日期身在香港 ; 或 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 33
(v) 因 (i) 罷工或工業行動 ;(ii) 騷亂 ;(iii) 已安排乘坐的公共交通工具發生機械及 / 或電力故障 / 失靈 ;(iv) 惡劣天氣 ; 或 (v) 自然災害直接導致公共交通工具暫停服務最少一小 (1) 時, 而直接導致離開香港的公共交通工具的總延誤與原定計劃離開香港的日期和時間延誤不少於連續二十四 (24) 小時 ; 或 (vi) 於購買本保單後不少於一 (1) 天, 在未能預計的情況下旅程的計劃目的地被發出黑色警示, 而此黑色警示在旅程計劃開始日期前七 (7) 天內的任何時間內生效而導致旅程必須取消, 本公司將就受保人因被沒收的交通費用及 / 或住宿費用損失, 向受保人作出補償, 惟上限為保障計劃章節 D(a) 所列保額 (b) 縮短旅程 : 若受保人因下列受保期間內未能預計原因而須縮短旅程並須直接返回香港 : (i) 受保人 直系家庭成員或受保人的未婚夫 ( 妻 ) 突然身故 蒙受身體損傷或患病 ; 或 (ii) 受保人須出任陪審員或受保人收到出任證人傳票 ; 或 (iii) 受保人持續被強制性隔離 ; 或 (iv) 受保人的主要住所因盜竊 火災 水災 颱風 地震或山泥傾瀉而受到嚴重損毀或不能居住而嚴重損毀, 且受保人就此理應身在香港 ; 或 (v) 因 (i) 罷工或工業行動 ;(ii) 騷亂 ;(iii) 惡劣天氣 ; 或 (v) 自然災害直接導致公共交通工具暫停服務最少一 (1) 小時 (vi) 旅程的計劃目的地被發出黑色警示本公司將補償受保人在旅程開始後受保人已支付未使用且被沒收或在法律上必須支付且未使用 ( 亦不能從任何其他途徑追討的 ) 交通及 / 或住宿費用, 惟金額上限為保障計劃章節 D(b) 所列保額 若受保人之直系家庭成員突然身故導致受保人須縮短旅程並須直接返回香港, 本公司將賠償 i) 旅行社因安排更改原本機票回程日期所收取之手續費, 或 ii) 一 (1) 張單程經濟客位返港機票, 以金額較低者為準 本章節之賠償金額上限為保障計劃章節 D(b) 所列保額 (c) 黑色警示延展保障在未能預計的情況下旅程的計劃目的地被發出黑色警示, 而此黑色警示在旅程計劃開始日期前七 (7) 天內的任何時間內生效而導致 (i) 旅程必須取消 ; 或 (ii) 縮短旅程並須直接返回香港本公司將補償受保人 ( 不能從任何其他途徑追討的 ): (i) 旅行社因安排取消受保旅程所收取之退團手續費, 最高限額為每名受保人港幣 300 元 (ii) 受保人必須繞道到其他城市並需留宿以等候所需之公共交通工具回港, 不論留宿日數, 本公司將一概向每位受保人賠償住宿現金津貼港幣 1,000 元 此賠償額將同被算為本保單中取消及縮短行程一節之最高賠償額內 若本公司支付上述黑色警示延展保障賠償或現金津貼後, 本公司將在本保單章節 D 的取消及縮短旅程中扣減相應金額 章節 D 的特別條款 : 1. 當受保人安排受保旅程或申請此保險時, 受保人須不知悉任何引致旅程取消或縮短的情況, 否則本章節之保障條款即告失效 2. 若旅程取消是由於受保人 直系家庭成員或受保人的未婚夫 ( 妻 ) 的身故 身體損傷或患病, 該身故 身體損傷或患病須得到 醫生證明身故 該身體損傷或患病令受保人 直系家庭成員或受保人的未婚夫 ( 妻 ) 不適宜旅行或危及其生命或健康 3. 如未能提供此項先決條件規定的證明, 本公司恕不承擔在章節 D, 受保人因被沒收的交通費用及 / 或住宿費用損失的責任 4. 若受保人的情況同時適用於多於上述任何一項的保障, 本公司根據本章節 D 的總責任僅限於保障計劃章節 D 所列保額中最高的 一項 5. 本公司根據本章節 D 內的總責任, 不可超逾保障計劃章節 D 所列保額 章節 D 的不受保事項 : 本章節 D 並不保障下列情況 : 1. 因在預訂旅程或投保時, 已存在或於當時可合理地預計可能導致旅程取消或縮短的事件或情況所致的損失 2. 受保人因有違醫生勸喻而進行的旅程或該旅程的目的為接受治療的索償 3. 受保人因投保時早已存在的任何疾病 身體或精神病況而導致死亡 身體損傷或患病, 包括受保人已知悉或曾接受治療的繼發性 慢性或持續性的疾病或病況 以下情況均視為投保時早已存在的情況 : 在本保單生效前已尋求 獲得或可預見的治療 服藥 建議或診斷 ; 或 受保人或其父母 ( 如受保人未滿十八 (18) 歲 ) 任何一方在本保單生效日期前已知悉或應該知悉的狀況, 不管此等狀況是否已尋求或獲得治療 服藥 建議或診斷 4. 因性病 懷孕 分娩 流產或故意犯險的索償 5. 任何與患病或身體損傷無直接關係的非病理上必須或非緊急性住院醫療開支 6. 非由醫生建議或進行的治療的索償 7. 溫泉療養院 療養院 護理中心或任何復康中心提供的任何治療及服務的費用 8. 投保前已開始發生或已宣佈的罷工或工業行動 騷亂 惡劣天氣或自然災害 9. 受保人未能 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 34
於公共交通工具經營商指定啟程時間報到 ( 已列明於章節 D 之原因除外 ); 按旅程代理人 旅行社 客運公司或提供有關旅遊服務之承辦商的要求行事 ; 於知道需要取消或擱置旅程時立即通知旅程代理人 旅行社 客運公司或提供有關旅遊服務之承辦商 ; 於發現遺失護照後二十四 (24) 小時內仍未向當地警方報案和索取遇事報告 10. 因旅程代理人 旅行社 客運公司或提供有關旅遊服務之承辦商破產 結束營業 錯誤 疏忽或不負責行為 11. 空路或陸路客運公司超量售出機票或車票 其機組人員安排 / 重新安排 12. 已根據章節 E(b) 旅程誤點就同一事件提出索償章節 D(c) 黑色警示延展保障的損失 章節 E - 旅程延誤及旅程誤點 (a) 旅程延誤假若於受保期間內, 公共交通工具因遇上於 旅程延誤事件表 中列明的相關未能預計的事件而延誤, 而且受保人必須以繳費乘客身份乘搭由合法公共交通工具經營商提供的固定路線, 並持有由公共交通工具經營商發出之 ( 列明其固定路線及目的地和計劃離開及 / 或抵達時間的 ) 有效登機證 / 車船票, 本公司將按照以下方式計算賠償 : 每連續八 (8) 個小時延誤按照保障計劃第 E (a)(i) 項所列金額賠償, 惟上限為保障計劃第 E(a) 項相關項目所列之保額 旅程延誤事件表 : 不能預計的事件 1 公共交通工具發生機械及 / 或電力故障 / 失靈 2 罷工或工業行動 3 騷亂 4 騎劫 5 惡劣天氣 6 自然災害直接導致公共交通工具暫停服務最少一 (1) 小時 章節 E(a) 的特別條款 : (i) 受保人必須依原定行程於集合地點準時報到, 並取得客運公司或其代理發出之證明書, 列明延誤原因及時間, 否則受保人之索償權可能受損 (ii) 延誤期的計算方法為以下其中一種 : a. 由向受保人提供公共交通工具經營商的原定出發時間至同一公共交通工具經營商提供的 1) 同一公共交通工具, 或 2) 首先提供的其他交通工具的實際出發時間 ; 或 b. 由向受保人提供公共交通工具經營商的原定到達時間至同一公共交通工具經營商提供的 1) 同一公共交通工具, 或 2) 首先提供的其他交通工具的實際到達時間 (iii) 受保人只可就同一公共交通工具的出發或到達時間的延誤提出索償 (iv) 倘若受保人在同一旅程中有連續的轉接航班及 / 或其他交通工具, 不同交通工具之行程延誤不可累加 受保人只可就同一旅程中的任何一種交通工具的其中一次旅程延誤提出索償 (b) 旅程誤點假若於受保期間內, 公共交通工具因遇上於 旅程誤點事件表 中列明的相關未能預計的事件而誤點, 即公共交通工具經營商未能運送受保人到達計劃目的地或飛機場, 本公司將就受保人因此引致的額外公共交通工具的費用, 向受保人補償其必須並合理運送受保人到達計劃目的地或返回香港的公共交通工具費用, 惟金額上限為保障計劃章節 E(b) 所列保額 如受保人必須以其他路線返回香港, 本公司將支付此等必須和合理的額外住宿費用 銀計劃的最高賠償金額為港幣 2,500 元, 而金計劃的最高賠金償額則為港幣 5,000 元, 惟於本條款下, 最高賠償額不應超過保障計劃所示本章節第 E(b) 項之最 高金額 旅程誤點事件表 : 不能預計的事件 1 罷工或工業行動 2 騷亂 3 騎劫 4 惡劣天氣 5 自然災害直接導致公共交通工具暫停服務最少一 (1) 小時 章節 E(b) 的不受保事項 : TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 35
1. 已根據章節 D(c) 黑色警示延展保障就同一事件提出索償章節 E(b) 旅程誤點的損失 (c) 遺失護照本公司將向受保人補償受保人於旅程內補領因遺失或被盜且如不補領則會導致旅程延誤的合理額外 ( 香港以外的 ) 公共交通工具的及 / 或住宿費用, 惟金額上限為保障計劃章節 E(c) 所列保額 章節 F - 個人財物及個人金錢 (a) 個人財物本公司將按其絕對酌情權對於在該旅程內遺失或被盜或損毀的個人財物進行修復 修理或更換, 惟上限為保障計劃第 F(a) 項所列保額 章節 F(a) 的特別條款 : 1. 僅若該個人財物在事發時購置日期為不超過一 (1) 年之物品, 在進行修復 修理或更換時不作實際損耗 折舊及陳舊進行扣減或撥備考慮 ; 但衣物賠償則須扣除折舊 2. 假若發生任何個人財物遺失 被盜或因第三方的蓄意行為而損毀的情況可能導致本章節 F 的索償的事件, 須在發生有關事件的二十四 (24) 小時內通知當地警方或相應的當地執法人員 如未能發出此項先決條款規定的通知或須附上顯示已向警方或相應的當地執法人員報告損失的書面證明, 本公司恕不承擔本章節 F(a) 的任何責任 3. 假若遺失 盜竊或損毀在運送時發生, 須於發現遺失或損毀起計二十四 (24) 小時內, 立即將有關遺失或損毀通知公共交通工具的承運人 如未能發出此項先決條款規定的通知或須附上顯示已向公共交通工具的承運人報告損失的書面證明, 本公司恕不承擔本章節 F(a) 的任何責任 4. 本公司對於在該旅程內遺失 被盜或損毀的所有個人財物的最大責任, 將以保障計劃第 F(a) 項所列金額為限 5. 假若任何一件遺失 被盜或損毀的個人財物為一對或一套物品的一部分, 本公司對該件及該對或該套物品的最大責任, 將以保障計劃第 F(a)(i) 項所列金額為限 6. 本公司對於在該旅程內遺失 被盜或損毀的運動用品的最大責任, 將以保障計劃第 F(a)(ii) 項所列金額為限 7. 本公司根據本章節 F 對於在受保期間內所有遺失 被盜或損毀的個人財物的總責任, 不可超逾保障計劃第 F(a) 項所列保額 8. 於根據本章節 F(a) 支付任何款項後, 本公司有權獲得及保留任何尋回或損毀的個人財物的利益及價值, 並按其絕對酌情權處理剩餘價值 (b) 行李延誤於受保期間內, 假若已托運的行李在受保人抵達受保人旅程原定離港旅程表所列目的地的口岸後, 因公共交通工具營運商延誤 誤送或暫時丟失該行李超過連續十二 (12) 個小時, 本公司將向受保人補償購買必需盥洗用品及衣物的費用, 惟上限為保障計劃第 F(b) 項所列保額 (c) 個人金錢及個人證件本公司將向受保人補償以下項目, 惟上限為保障計劃第 F(c) 項所列保額 (i) 受保人於受保期間內直接因盜竊 搶劫或爆竊而遺失用作社交及私人用途之現金 ; 及 / 或 (ii) 受保期間內因意外而遺失香港身份證 信用卡 駕駛執照 交通工具票證 酒店憑單或護照之補領費用 章節 F 的不受保事項 : 本章節 F 並不保障 : 1. 個人財物因被置於公共地方且無人看管而導致的遺失 被盜或損毀 2. 受保人於發現損失後二十四 (24) 小時內仍未向當地警方報案或索取遇事報告, 或未向保管行李及 / 或可能因有關損失而需承擔責任的航空公司或其他客運公司報告的任何損失 3. 存放於無人看管車輛內或於受保人不在場及控制範圍以外的運輸途中時遺失或損壞的珠寶 皮草 黃金及純銀物品 腕錶 收音機 望遠鏡 相機及影音器材或款項 4. 由船隻附運的家居或其他物品 5. 遺失或損毀受保人在職業或工作中使用的物件 6. 遺失或損毀傳呼機 手提電話 平板電腦或手提通訊設備或其任何配件, 包括電話卡和數碼存儲卡等 7. 遺失或損毀隱形眼鏡 假牙 義肢 債劵 流通票據或股票 8. 使用運動用品時造成之損壞 9. 任何易碎或易破爛物品之損毀 10. 因損耗 折舊 逐漸變壞 蟲害 發霉 凹痕 刮痕 氣候變化 光合作用 加熱過程 清潔 維修 修復 機械或電器故障 使用不當 設計或手工欠佳的損毀或損失 11. 任何原因未明的損失, 或因錯漏引致的損失或貶值 12. 受保人因未補領或延誤補領已遺失的個人證件的罰款或刑罰 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 36
13. 根據章節 F(b) 提出的任何索償, 未能附上公共交通工具營運商發出的確認書, 以証明相關已托運的行李 ( 於受保人抵達其原定旅程表所列目的地的口岸後計 ) 延誤 誤送或暫時丟失超過連續十二 (12) 個小時 14. 除章節 F(b) 行李延誤外, 本公司恕不會向各受保人支付已列於保障計劃章節 F(d) 項每一受保事件的自負金額 章節 G - 個人責任 假若因受保人於受保期間內發生對任何其他人士造成 (a) 身故 身體損傷或 (b) 損毀他人財物的意外, 因而須承擔作出賠償的法律責任, 本公司將代表受保人支付該賠償, 惟上限為保障計劃第 G 項所列保額 章節 G 的特別條款 : 倘出現任何意外, 本公司會隨時按照保障計劃所載的最高賠償額或能讓因該意外引起的索償達成和解所需的任何較少金額 ( 就上述第 a) 或 b) 中扣除已支付的任何賠償 ) 對受保人或受保人的法律代表作出賠償, 且之後本公司將不會就該意外承擔任何進一步的法律責任, 支付於該支付日期之前所引致的訴訟費用和開支除外 章節 G 的不受保事項 : 本章節 G 並不保障符合下列各項的賠償 : 1. 直系家庭成員 受到受保人監護或控制的人或受保人的僱員遭受身故或身體損傷引起 2. 屬於受保人或直系家庭成員或同行伙伴或受到受保人監護或控制的人士的財物損毀引起 3. 屬於違反根據合約須承擔的任何責任的賠償 4. 因擁有 管有 租賃或租用任何運輸工具 飛機 火器或動物所產生的責任 5. 因進行任何交易或專業所產生的責任 6. 因 (a) 來自任何核子燃料或任何燃燒核子燃料而產生的任何核廢料的離子化輻射或輻射污染, 或 (b) 任何因爆炸性核子裝配設施 或該裝配設施的核子成分所產生的輻射 毒性 爆炸性或其他危險特性, 而直接或間接導致的任何索償 ( 不論任何性質 ) 7. 直接或間接因滲漏 污染或放射性污染造成的人身受傷和財物的損失 損毀或使用權之喪失的任何責任 8. 清倒 去除或清理滲漏 污染或放射性污染物質的費用 9. 罰款 刑罰 懲罰性或懲戒性的損害賠償 10. 因下列原因而引致或與以下事故相關的任何責任 : a) 受保人的家庭成員或僱員的死亡或身體受傷 ; b) 遺失或損毀受保人或受保人的家庭成員或僱員擁有 持控託管或保管的財物 ; c) 受保人的職業 貿易 商業或專業活動 ; d) 受保人擁有或佔用的任何土地或樓宇, 旅程中的暫時性居所除外 ; e) 受保人擁有 持有或使用的動物 槍械 任何型式的機動車輛 船隻或飛機 11. 任何根據協議所需承擔的任何責任 ; 亦即如無該等協議的存在, 受保人是不須承擔的責任 12. 任何透過互聯網 內聯網 企業互聯網及 / 或透過受保人的網站 互聯網網站 網址進行之任何活動及 / 或業務及 / 或交易, 及 / 或透過電子方式傳送之電子郵件或文件所引起的任何索償或損失 13. 依據 源於 直接或間接因下列事項而導致 引致或與此有關的任何形式的索償及損失 : a) 石棉 ; 或 b) 任何涉及石棉的使用 存在 出現 發現 清除 消除, 又或因避免石棉 接觸石棉或可能接觸石棉所導致的任何實際或據稱受傷或損毀 章節 H - 租用汽車的免責補償費用 假若受保人在旅程中, 而受保人租用汽車期間, 在他 / 她控制其租用汽車時發生意外令租用汽車損毀, 並在法律上須對其損毀的租用汽車承擔責任, 本公司將向受保人賠償該租用汽車的綜合汽車保險合約的免責補償費用, 惟須依從保單條款的限制及上限為保障計劃章節 H 所列保額 章節 H 的特別條款 : 1. 租用汽車須從領有牌照營運的租車代理中租用的 2. 受保人須持有一份能在租用汽車期間, 承擔租用汽車損毀責任的綜合汽車保險合約 3. 受保人須遵從租車機構在租用汽車合約上所列及承保人在汽車保險合約上所列的所有規定及協議, 同時亦須遵守有關國家的 法律 規則及管制 4. 受保人在意外發生時持有有效駕駛執照且沒有參與或進行任何超速駕駛或計時賽 章節 H 的不受保事項 : 本章節 H 並不補償受保人, 因下列任何各項, 直接或間接所致的 引起的損失或後繼損失或責任 : TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 37
1. 因違反租用汽車合約上的規定操作租用汽車而引致租用汽車的損毀或因超越任何使用公共道路的限制或違反有關國家的法律 規則及管制而引致租用汽車的損毀或 2. 因磨損 逐漸損耗 因蟲蛀或蟲蝕 本身存在的缺陷 潛在的缺陷及損壞 3. 任何非操作補償費用 (NOC), 因不能租出損毀汽車的營業損失 章節 I - 家居財物保障 假若受保人之主要住所內之家居財物於旅程內因爆竊而遺失或損毀, 本公司將賠償受保人更換家居財物的費用, 惟上限為保障計劃章節 I 所列保額 章節 I 的特別條款 : 1. 假若發生任何可能導致本章節 I 的索償事件, 須於發現事件起計二十四 (24) 小時內通知當地警方或相應的當地執法人員, 並須附上報告該損失的書面證明 如未能發出此項先決條款規定的通知或附上該書面證明, 本公司恕不承擔本章節 I 的任何責任 2. 本公司根據本章節 I 對所有由同一受保人擁有且於旅程內因爆竊而遺失或損毀的家居財物的總責任, 不可超逾保障計劃第 I 項所列保額 3. 該爆竊必須涉及以強行或暴力方式進入或離開該主要住所 章節 I 的不受保事項 : 本章節 I 並不保障 : 1. 任何遺失或損毀且構成一對或一套的家居財物所擁有的任何特殊或獨有價值 2. 任何其他保險就同一風險提供保障的重置費用 章節 J 信用卡保障 假若受保人遭受身體損傷, 並因該身體損傷直接及不可避免地於連續十二 (12) 個月內意外身故, 本公司將向已故受保人的法定代表, 支付已故受保人的信用卡中因已故受保人在旅程內購買商品而結欠的任何未繳結餘, 惟上限為保障計劃第 J 項所列保額 章節 J 的不受保事項 : 本章節 J 並不保障 : 1. 已故受保人的信用卡的未繳費用累計利息或財務費用 2. 已故受保人的信用卡由任何其他保險或其他途徑就同一風險提供保障的任何未繳結餘 3. 患病 疾病或細菌感染 4. 受保人可從任何其他來源獲得彌償或賠償退款或收回款項 5. 於本章節 J 的保障與章節 A - 個人意外項下應付的保障為累加保障 第四部分 - 一般不受保事項 適用於所有章節的一般不受保事項 : 本保單並不保障因下列各項所致的損失或後繼損失或責任 : 1. 任何受保前已存在之傷病 先天性或遺傳狀況 2. 違反醫生意見而外出旅遊, 或為了獲取醫治或醫療服務而外出旅遊 3. 自殺 企圖自殺或故意引致自身的身體損傷 4. 因懷孕 墮胎 分娩 流產 不育而引致的任何情況及其所致的其他併發症, 整容手術或性病 5. 牙醫護理 ( 意外前為天然及健全的牙齒但因意外身體損傷所引致除外 ) 6. 精神或神經失常 精神錯亂 精神狀況或任何行為失常 7. 戰爭 ( 不論宣戰與否 ) 侵略 外敵行動 內戰 革命 叛亂 暴動 敵對行為 ( 不論宣戰與否 ) 8. 直接參與罷工 / 暴亂 / 內亂, 或因受保人履行身為軍隊 武裝部隊或紀律部隊 ( 包括但不限於警員 海關職員 消防員 入境處職員 / 督察及懲教處職員 / 督察等 ) 成員或身為戰爭或滅罪行動志願者的職責 9. 參與 (a) 任何極限的運動或體育活動, 其性質存有高度的危險性 ( 即涉及高度專門技術 超乎正常的體力運用 使用專門工具或特技等 ), 包括但不只限於跳懸崖 馬術障礙賽 超級馬拉松賽 特技表演 衝巨浪及獨木舟激流 除非該項活動是由當地合資格的旅遊活動經營者主辦, 而且是項活動是開放給一般大眾及遊客參與, 而對參與者並無特殊限制的旅遊活動 ( 除身高或一般健康狀況警告外 ) 在參與活動時, 受保人必須跟從按照合資格的導師及 / 或旅遊經營商的指導員之指導和監督, TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 38
(b) 職業體育賽事或運動, 而受保人可透過從事該運動而取得報酬 贊助或任何形式的財政報酬 任何特技活動 偏離滑雪道之滑雪活動, (c) 競賽 ( 除徒步的競賽外, 但不包括超過十公里的跑步 冬季兩項競賽及三項全能運動 ), (d) 第四 (4) 級程度之私人水域橡皮艇漂流, (e) 任何一般需利用專用裝備的攀石或攀山活動, 裝備包括但不限於鉤 鶴嘴鋤 錨 螺 繩索或嚮導等工具, 惟在任何情況下都不得超過海拔五千 (5,000 米 ), (f) 潛水活動, 除非受保人持 PADI 証書 ( 或同類認可的資格 ) 或在合資格的導師指導下陪同之下進行潛水 深度限制不能超過受保人的 PADI 証書 ( 或同類認可的資格 ) 所注明的深度, 惟在任何情況下都不得超過三十 (30) 米深及不得單獨進行潛水 10. 任何政府的禁令或規例, 或海關或任何其他機關扣押或破壞 11. 受保人的非法 蓄意或惡意行為或魯莽行為或疏忽 12. 受保人因服用超越法定水平之酒精或藥物引起的有關損失 13. 乘搭任何飛機, 但作為飛機搭客除外 14. 任何不誠實或犯罪活動 15. 受保人未有減輕損失或本保單之索償 16. 愛滋病或愛滋病相關綜合症 任何於人體免疫力衰減症或相關疾病的陽性測試當時或其後開始的任何身體損傷或患病 或任何其他經性接觸傳染之疾病 17. 受保人從事體力勞動或非文職或危險工作, 當中包括但不限於離岸鑽探 礦物提煉 處理爆炸品 地盤作業 特技工作及空中攝影 18. 任何與古巴有關之損失或費用 ; 或任何與特別指定名單所列人士 實體 團體或公司有關之損失或費用 ; 或任何導致本公司違反經貿制裁規定或相關法律或條例之損失或費用 19. 任何不是本保單某一方的人士或實體, 不能根據 合約(第三者權利)條例 (香港法例第 623 章)強制執行本保單任何條款 20. 當受保人遭受身體損傷 患病或引致損失 損毀或責任時, 年齡為七十五 (75) 歲以上之任何索償 21. 戰爭及恐怖活動不承保條款 a) 戰爭 侵略 外敵行動 敵對局面或交戰事件 ( 不論正式宣戰與否 ) 內戰 叛亂 革命 反叛 叛亂升級或擴大至大規模叛變事件 軍事或篡權行動 ; 或 b) 任何恐怖活動, 包括但不限於 : 任何人士 ( 人等 ) 或團體因政治 宗教 思想形態或類似目的, 透過以下方式表示或以其他方式, 及 / 或令公眾或任何公眾組別恐慌 : 使用武力 暴力或以武力 暴力威脅, 及 / 或 傷害或損害人身或財產 ( 或受到此等傷害或損害威脅 ), 包括但不限於核子輻射及 / 或化學污染及 / 或生物劑 ; 或 c) 採取任何行動控制 阻止 壓制或以任何方式控制 阻止或壓制與上述第 a) 或 b) 條有關之行動 22. 輻射污染 化學 生物 生化或電磁武器不承保條款 a) 任何核子燃料 核子廢料或核子燃料燃燒造成的電離子輻射或放射性污染 ; b) 任何核子裝置 反應器或其他核子機組或其核子元件之輻射性 毒性 爆炸性或其他危險性或污染物質 ; c) 任何應用原子或核子分裂, 及 / 或核聚變或其他同類反應, 或輻射性能量或物質之武器或裝置 ; d) 任何輻射物質造成之輻射性 毒性 爆炸性或其他危險或污染物質 當輻射同位素正在預備 運載 儲存或使用於商業 農業 醫療 科技或其他類似的和平用途時, 則本項之不承保範圍並不包括該等輻射同位素, 惟核子燃料除外 ; e) 任何化學 生物 生化或電磁武器 23. 政治風險不承保條款 a) 被任何法定機關充公 收歸國有或徵用而永久或暫時喪失佔管權 ; b) 因任何財產被任何人士非法佔用或佔管而永久或暫時喪失其佔管權, 但投保財產在喪失佔管權之前或期間所蒙受實際 本保單 承保之損害, 則 本公司 仍需向 閣下 承擔責任 c) 任何公營權力機關下令銷毀財產 24. 電腦病毒及黑客入侵不承保條款 i) 損壞 : 任何電腦 其他設備 元件 系統或項件所處理 儲存 傳遞或檢取之數據或其任何部分, 包括不論乃有形或無形的數據 ( 包括但不限於任何資料 程式或軟件 ) 的損失或破壞, 亦不論是否屬於 閣下 之財產亦然, 惟此等損壞乃 程式或操作員錯誤 病毒或同類機制或黑客入侵所致 ; ii) 相應損失 : 由 程式或操作員錯誤 病毒或同類機制或黑客入侵直接或間接導致或引起 ; 惟本不承保條款並不適用於任何 釋定緊急事件 ( 釋義以下文訂明為準 ) 嗣後導致財產損失 損毀或損害或相應損失所引起的索償, 但有關索償必須屬於 本保單 承保範圍 釋義茲於本不承保條款而言, 釋定緊急事件 指火警 雷電 爆炸 飛機及其他航天裝置或物品下墜 暴動 內亂 罷工 工人被拒門外 參與勞工騷亂人士 竊賊以外懷惡意人士 地震 暴風 水災 任何水箱器具或管道漏水 任何車輛或動物撞擊 火山或霜雪所造成的事件 病毒或同類機制 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 39
病毒或同類機制指蓄意設計以損壞 干擾或對電腦程式 數據檔案或操作造成不利影響的程式符號 程式指引或任何指引組合, 不論是否涉及自行複製活動亦然 病毒或同類機制的釋義包括但不限於特洛伊木馬病毒及邏輯炸彈病毒 黑客入侵黑客入侵指未經授權進入任何電腦 其他設備 元件 系統或項件, 以儲存 傳遞或檢取數據 25. 日期辨識除外條款 a) 電子環路 微型晶片 合成電路 微型處理器 嵌入式系統 硬件 軟件 固件 程式 電腦 數據處理設備 電訊設備或系統, 或任何同類裝置 ; b) 配合前述各項物品使用之媒體或系統 ; 此等物品 ( 不論是否屬於 閣下 之財產 ) 於任何時間出現故障或失靈情況, 以致無法藉著使用任何數字 標誌或文字顯示個別日期, 從而達到任何或所有原訂目的及相應效果, 本保單 一概不承保由此直接或間接引起或導致之任何索償, 包括但不限於因以下情況而導致以上任何物品無法識別 讀取 儲存 保留 恢復及 / 或正確地操作 解讀 傳送 回送 計算或處理任何日期 數據 資料信息 命令 邏輯或指令 : (i) 識認 使用或套用任何並非真實或正確之日期 週天或時期 ; (ii) 操作以上 a) 及 b) 條所訂明物品已編程及綜合使用之任何指令或邏輯 本不承保條款不適用於以下三章節的保障 : (a) 第 A 節 - 人身意外 (b) 第 B 節 - 醫療費用 (c) 第 G 節 - 個人責任 第五部分 - 延期條款 1. 劫機延期 : 若旅程因受保人於受保期間內成為劫機的受害者而延誤的情況下, 受保期間將由劫機日期起計自動延長最多連續十二 (12) 個月, 或直至受保人返回香港時通過香港入境處出入境管制站為止 ( 以較早者為準 ) 2. 旅行延期 ( 只適用於來回程計劃 ): 若旅程期間因在受保人控制以外的任何原因而超過受保期間, 受保期間將自動免費延長最多七 (7) 個曆日, 或直至受保人返回香港時通過香港入境處出入境管制站為止 ( 以較早者為準 ) 3. 恐怖襲擊活動 ( 只適用於章節 A B 及 C): 儘管本保單之不承保事項訂明不承保任何因恐怖襲擊活動而導致的死亡或身體損傷, 惟根據此項附加保障受保人將仍可獲得有關賠償 ( 包括本保單所提供的必需醫療費用保障 ) 惟任何涉及使用生物 化學或核子武器或裝置的恐怖襲擊活動均不在承保之列 鑒於本公司提供以上附加保障, 現雙方 ( 指本公司及受保人 ) 同意本公司就以下有關保障的總賠償額將不超過港幣 3,000,000 元 : a) 受保人因本保單及其他由本公司向同一受保人簽發的保單 ( 其他保單 ) 所承保的恐怖襲擊活動而導致死亡或身體損傷所得的賠償 ( 包括必需醫療費用 ), 與及 b) 因此項附加保障所承保的恐怖襲擊活動而需本公司為受保人安排的緊急支援服務及有關費用 若其他保單的總賠償額 : (i) 少於港幣 3,000,000 元, 本公司就此項附加保障則只會支付超出其他保單總賠償額的溢額, 上限為港幣 3,000,000 元, 不論受保人於以上保單的任何保險期間內有多少宗索償 ; 或 (ii) 多於港幣 3,000,000 元, 受保人將不能於此項附加保障獲得賠償 受保人應根據其他保單索取賠償 第六部分 - 一般條款 1. 保單有效性 :(a) 本保單只適用於消閒或公幹 ( 只限行政性質 文職及非體力勞動 ) 的旅程, 而不適用於探險跋涉或類似旅程 (b) 受保人必須是適宜旅行人士 (c) 本保單必須於開始旅程前購買 (d) 十二 (12) 歲以下之兒童必須由家長或監護人陪同成行方獲受保 2. 完整合約 : 本保單, 連同其批註 附件 ( 如有 ) 經受保人填妥的任何申請表格連同該申請表格附帶或於申請表格提及 ( 如有 ) 的任何文件, 組成及構成完整的保險合約 除經本公司授權代表簽署的書面修訂外, 本保單不得修改 3. 每一章節的保額 : 受保人根據本保單任何章節可獲賠償的保額一經耗盡, 保額將不會重置, 且本公司毋須根據該章節對該受保人承擔任何進一步責任 4. 保額支付 : 根據本保單支付的各項保障將會減少受保人可獲賠償的相關保額, 而相關保額只有剩下的結餘可用於支付該受保人可能會向本公司提出的任何餘下保障索償 本公司根據本保單所有章節對涉及意外的每名受保人的總責任, 將不超逾相關保額 5. 重複保障 : 每一受保人同意, 若他們同時受保多於一份由本公司簽發的 TravellerShield 單次旅遊保障計劃 保單或其他由本公司簽發的旅遊保險 : (a) 受保人將會被視作只受保於該份提供最高保障金額的保單 ; 或 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 40
(b) 如每份保單提供的保障相同時, 則會以本公司首次簽發的保單以提供保障 在任何情況下, 任何重覆投購的保單, 本公司將會在不付利息下全數退回已繳交的保費給受保人 6. 索償通知及充份程度 : 索償的書面通知必須在合理的情況下盡早送交本公司, 且在任何情況下, 須於導致根據本保單提出索償的受保事件發生之日起計三十 (30) 天內送交本公司 由受保人或其代表或索償人送交本公司且載有足以證明受保人身份的通知, 應視為已有效送交本公司的通知 本公司於接獲索償通知後, 將向受保人提供本公司為備存索償證明而通常提供的該等表格 受保人或索償人須根據本保單及該等表格就有關提出任何索償的規定, 以自費方式就此向本公司提供有關證明書 資料及證據 所有索償的證明必須於導致索償的受保事件發生之日起計一百八十 (180) 天內送交本公司 7. 索償調查 : 於出現索償時, 本公司可能作出其視為必要的任何調查, 受保人應全面配合該調查 倘受保人未能配合本公司的調查, 可能導致索償遭拒 8. 檢查賬簿及記錄 : 本公司可能於受保期間內任何時間及直至本保單屆滿後三 (3) 年, 或直至根據本保單提出的所有索償獲得最終調整及解決前, 將會檢查於本保單有關的受保人賬冊及記錄 9. 體格檢查及屍體剖驗 : 在索償處理期間, 本公司有權自費於合理必要的情況下要求受保人接受檢查, 除非法律禁止, 否則亦可能要求進行屍體剖驗 10. 其他保險 ( 適用於章節 B, D, E, F, G, H, I, 及 J): 倘若根據本保單受保的損失屬於任何其他有效保單的保障範圍 ( 而不論該份其他保險是屬於主要 分擔 附加 待定或其他性質的保險 ) 或已在其他途徑得到賠償, 本保單會根據本保單條文及條款, 保障該份其他保險或其他賠償所支付的金額以外的實際損失金額, 惟以有關損失金額為限 在任何情況下, 受保人應向本公司顯示及透露所有由其他途徑得到或將會得到的賠償 11. 法律訴訟 : 受保人在向本公司發出書面損失證明後六十 (60) 天起, 方可展開法律訴訟追討本保單的賠償 受保人於損失日期起三 (3) 年後不得提出有關訴訟 12. 追討權 : 倘若本公司或其授權代表 ( 包括授權支援服務供應商 ) 代受保人作出授權支付及 / 或支付, 則本公司保留權利向受保人追討已支付或本公司須向接納受保人入住的醫院支付的全部金額, 惟將扣除本公司根據本保單條款責任須支付的金額 13. 代位權 : 本公司有權以受保人名義追訴其他相關人事之索償或賠償及有權以自費方式, 以受保人的名義對導致根據本保單提出索償的事件可能負上責任的第三方提出訴訟 受保人必須合作及儘一切能力保護此權利 14. 轉讓 : 本保單的任何權益轉讓對本公司並無約束 15. 彌償的支付對象 : 身故賠償將支付予已故受保人的法定代表 根據章節 C Chubb Assistance 24 小時環球支援服務應付的款項乃支付予授權支援服務供應商或向受保人提供服務的其他服務提供商, 除上述規定外, 所有其他保障款項乃支付予受保人 16. 貨幣 : 本保單所有列於保障計劃內的保額 保障及限額等均以港幣計算 儘管本保單之賠償及 / 或保障將調整至港幣計算及付款, 本公司亦可選擇以當地貨幣算付 而相關之貨幣匯率則以意外當天列於網站 www.oanda.com 的匯率中位數換算 17. 地域限制及施行時間 : 地域限制及施行時間適用於受保期間中於香港 往返及於保單承保表所列之 旅程 地域內的一日二十四 (24) 小時, 惟章節 C (a) 至 (d) Chubb Assistance 24 小時環球支援服務除外, 就該項而言, 除非經本公司批註, 否則章節 C 適用於香港以外在世界各地的一日二十四 (24) 小時 18. 免責條款 : 章節 C Chubb Assistance 24 小時環球支援服務由授權支援服務供應商安排 授權支援服務供應商全面負責此 24 小時環球支援服務 授權支援服務供應商並非安達保險香港有限公司之聯營或附屬機構及安達保險香港有限公司概不負責有關或由授權支援服務供應商作出之任何行為或疏忽而引致之任何損失或損傷 19. 取消保單 : 本公司可以根據本公司記錄所顯示保單持有人 / 受保人最後聯絡方式, 以書面通知方式隨時取消本保單 該通知應註明該項取消的生效日期 該項取消不會影響於取消提出前已根據本保單一般條款第 6 項已向本公司提出的任何索償 20. 保費 : 除非保費已支付, 本公司在本保單內並無任何責任 保費於保險購買日期已被視為完全賺取 當保單繕發後, 保費將不獲退還 21. 調解 : 凡出現因本保單產生或與本保單有關的任何爭議或歧異, 均須首先提交香港國際仲裁中心, 並按香港國際仲裁中心的調解規則進行調解 假若調解員放棄調解, 或調解以任何方式結束但未能解決爭議或歧異, 則該爭議或歧異必須提交香港國際仲裁中心, 並按香港國際仲裁中心的本地仲裁規則透過仲裁解決 假若因本保單產生或與本保單有關的任何爭議或歧異需要醫療知識 ( 包括但不限於與保障計劃並未列明的任何醫療服務或手術的保額有關的問題 ), 則按照本公司的合理酌情權, 調解員或仲裁員可以為註冊醫療人員或顧問或專科醫生 外科醫生或醫生 倘若本公司拒付根據本保單提出的任何索償, 而因拒付產生的任何爭議或歧異並未於拒付日期起計十二 (12) 個月內提交調解及仲裁 ( 如有必要 ), 則因該爭議或歧異所引致而針對本公司的任何索償將不獲受理 22. 欺詐或錯誤陳述 : 由受保人作出或有關任何索償的任何虛假陳述均會導致本公司有權廢除本保單或撤銷根據本保單提出的責任 23. 司法管轄權 : 本保單受香港法律約束並據其解釋 依從一般條款第 19 項, 本保單的任何爭議均須根據香港法律解決 24. 文書錯誤 : 本公司的文書錯誤不應令生效的保單因此失效, 亦不應令失效的保單因此生效 25. 違反條文 : 若受保人違反任何本保單的條文 ( 包括理賠條件 ), 本公司可在法律容許下的範圍內, 拒絕支付賠償 26. 本保單的詮釋 : 本保單以中英雙語撰寫 ; 而英文版本為正式版本 如因對本保單內任何地方的詮釋而引起任何爭議, 均以英文版本為準 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 41
第七部份 如何索償 索償人應於事發後三十 (30) 天內於安達索償中心 * (www.chubbclaims.com/dbs/hk-zh/welcome.aspx) 提交索償申請 閣下亦可以智能電話或平板電腦掃描以下的 QR 碼登入安達索償中心 再者, 閣下可將索償申請表, 連同旅遊證件及下列文件 ( 視乎事件而定 ) 於事發後三十 (30) 天內送交至安達保險香港有限公司 如需協助, 請致電 3191 6618 * 只支援英文輸入 個人意外保障 / 信用卡保障 由醫生簽發的醫療報告或證明書, 證明傷疾程度或嚴重狀況 警方報告 ( 若相關 ) 意外死亡 死亡證 死因裁判官報告 警方報告 ( 若相關 ) 如屬失蹤, 由法院宣佈推定死亡 醫療費用 / 住院現金 / 創傷輔導 經醫生證明的診斷及治療, 包括病人姓名及診斷日期 由醫院簽發的醫院賬單 / 收據正本並列明詳細項目 購買醫療用品的收據正本 經醫生證明的診斷及治療, 包括病人姓名及診斷日期 由酒店 / 航空公司 / 公共交通工具簽發的收據正本 ( 若相關 ) 個人財物 / 個人金錢 / 遺失護照 / 個人證件 收據正本, 包括遺失或損毀物件的購買日期 價格 型號及類別 展示損毀物件及其情況的相片 如在運送時遺失或損毀, 由航空公司 / 公共交通工具發出的遺失通知書副本及其正式確認書 警方報告 ( 必須於事發後 24 小時內發出 ) 若屬遺失旅行支票, 由簽發機構發出的遺失通知書副本 ( 必須於事發後 24 小時內發出 ) 取消旅程 / 縮短旅程 所有賬單 收據及票券 經醫生證明的診斷及治療, 包括病人姓名及診斷日期 航空公司 / 公共交通工具所發出的正式文件, 包括受害人姓名 日期 時間 延誤期間及延誤原因 旅程延誤 / 旅程誤點 / 行李延誤 航空公司 / 公共交通工具所發出的正式文件, 包括受害人姓名 日期 時間 延誤 / 取消期間及原因 酒店 / 航空公司 / 公共交通工具所發出的正式賬單 / 收據 由公共交通工具經營商發出之 ( 列明其原定路線及目的地和計劃抵達及 / 或離開時間的 ) 登機證正本 購買必需盥洗用品及衣物之賬單或收據正本 個人責任 意外或事件的性質及情況聲明 ( 未經本公司書面同意, 不得承認責任或達成和解 ) 就意外或事件接收的所有有關文件 ( 包括法院傳票副本 所有法院文件 律師函件及其他法律書信 ) TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 42
租用汽車的免責補償費用 租用汽車合約, 當中顯示免責補償費用及承擔租用的汽車損毀責任的綜合汽車保險合約條文 由領有牌照營運的租車代理發出的免責補償費用的正本收據 警方報告 家居財物保障 收據, 包括遺失或損毀物件的購買日期 價格 型號及類別 展示損毀物件及其情況的相片 警方報告 ( 必須於旅程回程後 24 小時內發出 ) 上述文件為提出索償時需要提供的部份文件 本公司保留權利, 於有必要時, 要求受保人提供上文並未註明的任何其他資料或文件 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 43
第八部分 個人資料收集聲明 本公司 ( 我們 ) 竭力確保受保人 ( 閣下 ) 對我們在收集個人資料方面的信心, 我們於處理任何已收集的個人資料均會採取適當的保密程度及以處理私隱手法採用資料 本個人資料收集聲明陳述我們收集及利用由閣下提供以識別閣下個人的資料 ( 個人資料 ) 的目的 個人資料可能被公開的情況及閣下有權要求查閱及更改個人資料的詳情 (a) 收集個人資料的目的我們收集及使用閣下個人資料的目的, 是為了向閣下提供具優勢的保險產品及服務, 包括用作考慮閣下投保任何新的保險產品, 及管理由我們提供的保單, 安排保障, 及執行和管理閣下及我們在該等保障下的權利及責任 同時, 我們亦會收集及使用閣下個人資料以設計及識別能吸引閣下的產品及服務, 進行市場或顧客滿意度調查, 及發展 建立及管理與其他機構就宣傳推廣 行政及使用我們相應的產品及服務的聯盟及其他計劃 在閣下的同意下我們亦可能使用閣下的個人資料作其他用途 (b) 直接促銷只會在得到閣下的同意, 我們會使用閣下的聯絡資料 人口統計資料 保單資料及繳費資料透過郵寄 電郵 電話或 SMS 短訊方式聯絡閣下以便提供有關我們的保險產品的宣傳推廣 如閣下不希望接收到我們的宣傳推廣, 請於下列方格內加上 (c) 個人資料的轉讓個人資料將予以保密, 而我們亦絕對不會將閣下的個人資料售賣給第三者 我們會對公開閣下個人資料作出限定 ; 但在任何適用的法例條文下, 閣下的個人資料可能 : (i) 會被透露予我們相信必須達成以上第 a 及第 b 段所述目的之第三者 例如 : 我們把閣下的個人資料提供予我們相關的員工及承辦商 代理及其他涉及以上目的之人士, 如處理數據的人士 專業人士 損失評估人員及索償調查員 醫生及其他醫療服務提供者 緊急支援服務提供者 保險局或信貸局 政府機構 分保人及分保經紀 ( 當中可能包括在香港以外的第三方 ); (ii) 會給我們的母公司及附屬聯營公司或安達在本地及海外的相關人員使用 ; (iii) 會提供予保險中介人, 閣下可以透過指定系統查閱有關資料 ; (iv) 會給予有關人士以維持公眾安全及法紀 ; 及 (v) 在閣下同意下提供予其他第三者 就以上個人資料的轉移, 如有適用的地方, 則代表閣下亦同意該資料在香港以外地方轉移 (d) 查閱及更改個人資料根據個人資料 ( 私隱 ) 條例, 閣下有權要求查閱及更改曾給予我們的資料, 另除非在個人資料 ( 私隱 ) 條例下有適用的豁免條款賦予我們可拒絕遵從, 否則我們必須按閣下的要求, 給閣下查閱及更改本身的個人資料 閣下亦可向我們要求提供持有閣下個人資料的類別 翻查或更改個人資料的要求, 必須透過書面提出及郵寄致 : 安達個人資料私隱主任香港灣仔港灣道 6-8 號瑞安中心 25 樓電話 +852 3191 6222 傳真 +852 2519 3233 電郵 Privacy.HK@chubb.com 在我們收到閣下查閱或更改資料的要求後, 會在四十 (40) 天內予以回覆該項要求, 我們一般將不會收取任何費用 ; 但即使我們在提供資料時需徵收費用, 它們也會在合理的水平 至於更改資料的要求, 則不會收取任何費用 TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標 44
About Chubb in Hong Kong Chubb is the world s largest publicly traded property and casualty insurer. With both general and life insurance operations, Chubb has been present in Hong Kong for more than 90 years via acquisitions by its predecessor companies. Its general insurance operation in Hong Kong (Chubb Insurance Hong Kong Limited) is a niche and specialist general insurer. The company s product offerings include Property, Casualty, Marine, as well as Accident & Health programs for large corporates, midsized commercial and small business customers. Over the years, it has established strong client relationships by offering responsive service, developing innovative products and providing market leadership built on financial strength. 關於安達香港安達為全球最大的上市財產及責任保險公司, 經營一般保險及人壽保險業務, 立足香港超過 90 年 安達香港的一般保險業務 ( 安達保險香港有限公司 ) 為大型及中小企業客戶設計及提供特定的保險產品, 包括財產險 責任險 海上險和意外及醫療保險服務 多年來, 安達憑著其雄厚財務實力及市場領導地位, 開創新的保險產品, 提供優質服務, 建立長遠穩健的客戶關係, 與時並進 如欲獲取更多資料可瀏覽 www.chubb.com/hk More information can be found at www.chubb.com/hk. Contact Us Chubb Insurance Hong Kong Limited 25th Floor, Shui On Centre No. 6-8 Harbour Road Wanchai, Hong Kong O +852 31916800 F +852 25603565 www.chubb.com/hk 聯絡我們安達保險香港有限公司香港灣仔港灣道 6-8 號瑞安中心 25 樓電話 +852 31916800 傳真 +852 25603565 www.chubb.com/hk TravellerShield Single Trip Travel Insurance Policy Wording, Hong Kong. TravellerShield 單次旅遊保障保單條款, 香港. Published 01/2018 (v2). 2018 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages are available in all jurisdictions. Chubb and its respective logos, and Chubb.Insured. are protected trademarks of Chubb. 2018 安達 保障由一間或多間附屬公司所承保 並非所有保障可於所有司法管轄區提供 Chubb 及其相關標誌, 以及 Chubb. Insured. SM 乃安達的保護註冊商標