ENQUIRY HOTLINE 852-2169 0908
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24-Hour Global Travel Assistance Privileges
Worldwide Travel Assistance Services

For any emergency assistance services, the Insured Person may place a collect call to the alarm centre at +852-3516-8699. The Insured Person is required to quote your name, policy number, location (name of hospital if applicable), phone number and kinds of assistance services when he/she seeks. After such procedures have been met, the alarm centre will handle the case and perform the following duties:

 

  1. Re-organise flights if necessary;
  2. Organise emergency medical evacuation if necessary;
  3. Handle Repatriation of Remains when required;
  4. Authorise guarantee of payment to hospital;
  5. Liaise with on-site medical staff regarding the condition of the patient;
  6. Advise relatives of accident/illness of patient; or
  7. Speak directly to the patients with regard to decisions made on their behalf;
  8. Emergency referral service to local medical and legal providers worldwide;
  9. Emergency telephone translation services in all major languages and offers referrals to interpreter services;
  10. Emergency ticket replacement and emergency cash advances (to be charged to the Cardholder’s Account and subject to authorization by the Issuer);
  11. Pre-trip advice like inoculation, visa and customs information.

24-hour Worldwide Emergency Assistance Hotline: 852-3516 8699

Claims Hotline: 852-3666 7090

This plan is underwritten by AIG Insurance Hong Kong Limited.  Please refer to the following for the terms, conditions and exclusions of the plan.

For details of the plan please contact AIG Insurance Hong Kong Limited at 3666-7008.

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Terms & Conditions

Part 1 Applicable to all parts of this policy

  1. Definitions
    The definitions in this Section 1 shall apply throughout the entire the Policy
    • Cardholder” means a customer of the Policyholder who during the Policy Period holds an Eligible Card, and for these purposes a customer shall only be a Cardholder for the time span during the Policy Period he or she holds such Eligible Card.
    •  “Eligible Card” means a valid UnionPay Diamond Prestige Credit Card issued by the Policyholder which is  billed in Hong Kong. (Note: Issued bank is located Hong Kong, transaction can be overseas)
    • Hong Kong” means the Hong Kong Special Administrative Region of the People’s Republic of China.
    • Insurer” means AIG Insurance Hong Kong Limited.
    • Policy” means, the policy of insurance purchased by the Policyholder from the Insurer for the Cardholders which is documented in the policy agreement between the Policyholder and the Insurer.
    • Policyholder” means the policyholder whose name and address is stated in the Schedule.
    • Policy Period” means the policy period stated in the Schedule.
  2. General Exclusions
    • The exclusions set out in this Section 2 apply to throughout this entire Policy and serve to exclude coverage from this Policy notwithstanding anything stated to the contrary anywhere else in this Policy.
    • Fraud exclusion - If in any statement or declaration made in support of any claim under this Policy or if in the information given to the Insurer or designated representative in respect thereof there shall by or on behalf of the Cardholder be any suppression or concealment or any untrue or fraudulent statement or any intentional exaggeration as regards the property lost or damaged or the value or amount thereof or if any loss or damage be occasioned by or through the wilful act or with the knowledge or connivance of the Cardholder or anyone acting on behalf of the Cardholder no claim shall be payable under this Policy.
    • Sanctions exclusion - The Insurer will not be liable to provide any coverage or     make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose the Insurer, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation.
  3. General Conditions
    • Coverage for any Cardholder under this Policy shall immediately terminate on the termination date of this Policy or the time a Cardholder ceases to be a Cardholder, whichever is earlier, provided, however that such termination shall be without prejudice to any claim originating prior thereto.
    • In no event will duplicate or multiple Eligible Cards obligate the Insurer to pay in excess of the amounts shown in the Schedule of Benefits in the Part for any one loss covered under that Part sustained by any one individual Cardholder as a result of any one incident under this Policy. The maximum amount payable in respect of a loss where duplicate cards are held by any Cardholder will be the highest applicable benefit specified in the Schedule of Benefits in the applicable Part of this Policy to which the loss applies.
    • Only the Policyholder, Cardholders and the Insurer may enforce rights given to them under this Policy and save for giving effect to this purpose, The Contracts (Rights of Third Parties) Ordinance is hereby excluded. It is hereby noted and agreed, however that the Policyholder and Insurer in agreement can amend this  Policy or exercise any right of termination without the consent of any other parties.
  4. Governing law and Jurisdiction
    • This Policy is governed by and interpreted in accordance to the laws of Hong Kong. Any dispute will be subject to the exclusive jurisdiction of the courts of Hong Kong
  5. Personal Data
    The personal data collected during the administration of this Policy or when the Cardholder makes a claim under this Policy may be used by the Company for the purposes stated in its Data Privacy Policy ( www.aig.com.hk/privacy-policy), which include administering this Policy (including obtaining reinsurance, underwriting renewals, data matching, claim processing, investigation, payment and subrogation);
    The Insurer may transfer the personal data to the following classes of persons (whether based in Hong Kong or overseas) for the purpose identified:
    • third parties providing services related to the administration of this policy, including reinsurers;
    • in the event of a claim, loss adjustors, assessors, third party administrators, emergency providers, legal services providers, retailers, medical providers and travel carriers;
    • another member of the AIG group (for all of the purposes stated in this clause )in any country; or
    • other parties referred to in the Company’s Data Privacy Policy for the purposes stated therein.

24-HOUR WORLDWIDE EMERGENCY ASSISTANCE HOTLINE SERVICES

For any emergency assistance services, the Insured Person may call collect to the alarm centre: 852-3516-8699. The Insured Person  would need to quote your name, policy number, location (name of hospital if any), phone number and kinds of services when he/she seeks assistance. Then, the alarm centre will handle the case and perform the following duties:

  1.  Re-organise flights if necessary;
  2. Organise emergency medical evacuation if necessary;
  3. Handle Repatriation of Remains when required;
  4. Authorise guarantee of payment to hospital;
  5. Liaise with on-site medical staff regarding the condition of the patient;
  6. Advise relatives of accident/illness of patient; or
  7. Speak directly to the patients with regard to decisions made on their behalf;
  8. Emergency referral service to local medical and legal providers worldwide;
  9. Emergency telephone translation services in all major languages and offers referrals to interpreter services;
  10. Emergency ticket replacement and emergency cash advances (to be charged to the Cardholder’s Account and subject to authorization by the Issuer);
  11. Pre-trip advice like inoculation, visa and customs information.

Aggregate Limit of Indemnity

The maximum limit of indemnity for which the Insurer shall be liable under this Policy during the Period of Insurance, regardless of the number of Cardholders and Insured Persons covered and the number of claims made for the same incident, shall be HK$35,000,000 (the "Aggregate Limit of Liability") for each incident. In the event the Aggregate Limit of Indemnity is insufficient to pay the full amount of the Principal Sum for each Insured Person, then the amount payable for each Insured Person shall be in the proportion that the limit of indemnity for any one event bears to the total Principal Sum stated in the Schedule of  Benefits that would have been payable but for such Aggregate Limit of Indemnity.

SECTION 6 - GENERAL CONDITIONS

  1. Applicable Travel Type Limitation
    The insurance under this Part A is only valid for conventional leisure travel or business travel (limited to administrative duty) purpose only and shall not apply to persons undertaking expeditions, treks or similar journeys.
  2. Maximum Period of Insurance Journey
    The maximum period of an insured Journey cannot exceed ninety (90) days per Journey
  3. Sufficiency of Notice:
    Such notice by or on behalf of the Insured Person or estate, as the case may be, given to the Insurer or to any authorized agent of the Insurer in writing, with particulars sufficient to identify the Insured Person shall be deemed to be notice to the Insurer. Failure to give notice within the time provided in this Part A shall not invalidate any claim if it shall be shown not to have been reasonably possible to give such notice and that notice was given  as soon as was reasonably possible.
  4. Time of Notice of Claim
    Written notice of claim under this Part A must be given to the Insurer within ninety (90) days after occurrence of any event likely to give rise to a claim under this Policy or as soon thereafter as is reasonably possible.
  5. Forms for Proof of Loss:
    The Insurer, upon receipt of such notice under (1) above, will furnish to the claimant such forms, as are usually furnished by it for filing proofs of loss. If such forms are not so furnished by the Insurer within fifteen (15) days after the receipt of notice, the claimant shall be deemed to have complied with the requirements of this Part A as to proof of loss upon submitting within the time fixed in this Part A for filing proofs of loss, written proof covering the occurrence, character and extent of the loss for which a claim is made. All certificates, information and evidence required by the Insurer shall be furnished at the expense of the Insured Person or his/her legal personal representative(s) and shall be in  such form and of such nature as the Insurer may prescribe.
  6. Time for Filing Proof of loss:
    Affirmative proof of loss must be furnished to the Insurer at its said office in case of a  claim for loss from disability within ninety (90) days after the commencement of the period for which the Insurer is liable, and in case of a claim for any other loss, within one hundred eighty (180) days after the date of such loss. Failure to give proof within the time provided in this Part A shall not invalidate any claim if it shall be shown not to have been reasonably possible to give such notice and that notice was given as soon as was reasonably possible.
  7. Medical Examination and Treatment:
    The Insurer shall have the right and opportunity to arrange and conduct medical examination on the Insured Person at the Insurer’s expense when and as often as it may reasonably require during the pendency of a claim hereunder. The Insured Person shall as soon as possible after the occurrence of any Injury obtain and follow the advice of a duly Qualified Medical Practitioner and the Insurer shall not be liable for any consequences arising by reason for the Insured Person’s failure to obtain or follow such advice and use such appliances or remedies as may be prescribed.
  8. Immediate Payment of Indemnities:
    All indemnities provided in this Part A for loss other than that for disability will be paid immediately after receipt of due proof. Indemnity of disability will be paid upon receipt of proof of permanent disablement certified by Qualified Medical Practitioner to indicate such disablement is lasting twelve (12) consecutive months from the date of an Accident and at the expiry of the twelve (12) months period being beyond any hope of improvement.
  9. To Whom Indemnities Payable:
    Indemnity for loss of life of the Insured Person is payable to the Estate of the Insured Person.    All other indemnities of this Part A are payable to the Insured Person.
  10. Rights of Beneficiary:
    Unless provided otherwise by law, consent of Beneficiary shall not be requisite to surrender or assignment of the coverage under this Part A, or to the change of Beneficiary, or to any other change in this Part A.
  11.  Limitation of Time for Bringing Suit:
    No action at law or in equity shall be brought to recover under this Part A prior to the expiration of sixty (60) days after proof of loss has been filed in accordance with the requirements of this Part A, nor shall such action be brought at all unless brought within two (2) years from the expiration of the time within which proof of loss is required by this Part A.
  12.  Limitations Controlled by Statute:
    If any time limitation stated under this Part A, with respect to giving notice of claim or furnishing proof of loss, is less than that permitted by the applicable law governing this Policy, such limitation is hereby extended to agree with the minimum period permitted by such law.
  13. Compliance with Policy Provisions in this Part A:
    Failure to comply with any of the provisions contained in this Part A of the Policy shall invalidate the related claims hereunder.
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