Accidental Death and Disablement
Principal sum for insured person:
HK$3,500,000 / Cardholder
HK$3,500,000 / Spouse
HK$700,000 / Each dependent child
Principal sum for insured person:
HK$1,000,000 / Cardholder
HK$1,000,000 / Spouse
HK$1,000,000 / Each dependent child
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.
Part 1 Applicable to all parts of this policy
Schedule of Benefits under Part A
1. PERSONAL ACCIDENT
Accidental Death and Disablement
HK$3,500,000 / CARDHOLDER
HK$3,500,000 / SPOUSE
HK$700,000 / EACH DEPENDANT CHILD
FAMILY LIMIT: HK$7,000,000
2. PERSONAL LIABILITY
HK$1,000,000 / CARDHOLDER
HK$1,000,000 / SPOUSE
HK$1,000,000 / EACH DEPENDANT CHILD
FAMILY LIMIT: HK$2,000,000
3. 24-hour Worldwide Emergency Assistance Hotline Services
24-hour Worldwide Emergency Assistance Hotline Services
Included PRINCIPAL SUM FOR INSURED PERSON
Included FAMILY LIMIT
The Insurer agrees to provide travel insurance to each Cardholder, each Cardholder’s spouse and each Cardholder’s dependents (each referred to in this Part A as “Insured Persons” and as more particularly defined in the Definitions section of this Part A) subject to the terms and conditions of this Policy and promises to pay indemnity for loss to the extent provided herein. This insurance 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.
SECTION 1 – PERSONAL ACCIDENT COVERAGE
The benefit under this Section 1 is payable only with respect to Injury sustained by an Insured Person as a result of an Accident during the insured Journey which, directly and independently of all other causes shall result in any Event as provided in the Benefit Table hereunder, but only to the extent and if such Injury results in the Event happening within one (1) year after the date of the Accident.
Accidental Death and Disablement - Percentage of Principal Sum
1. Death - 100%
2. Permanent Total Disablement - 100%
3. Permanent and incurable paralysis of all limbs - 100%
4. Permanent total Loss of sight of one eye or both eyes - 100%
5. Loss of or the Permanent total Loss of Use of one limb - 100%
6. Loss of or the Permanent total Loss of Use of two limbs - 100%
7. Loss of Speech and Loss of Hearing - 100%
8. Permanent total Loss of Hearing in: (a) both ears 75%, (b) one ear 15%
Exposure – If by the reason of any covered Accident occurring during the insured Journey, the Insured Person is unavoidably exposed to the elements (including but not limited to prolonged and rigorous weather or environmental conditions) and as a direct and unavoidable result of such exposure sustains death, loss or disablement within twelve (12) months from the date of Accident, the Insurer will pay in accordance to the Events as stated in the Benefit Table.
Disappearance - If the Insured Person disappears as a result of the disappearance, sinking or wrecking of the Common Carrier caused by an Accident in which the Insured Person was traveling at the time of the Accident during the course of the insured Journey and remains missing after twelve (12) months from the date of the Accident, and the Insurer has reason to believe that the Insured Person has died in the Accident, the Insurer will pay the Personal Accident benefit, subject to receipt of a signed undertaking by the personal representative of the Insured Person’s estate that any such payment shall be refunded to the Insurer if it is later discovered that the Insured Person did not die as a result of the Accident.
Exclusion Applicable to Section 1 - Personal Accident
For the purpose of Section 1, in no event shall the Insurer be liable to pay for any loss caused by an Injury or otherwise which is a consequence of any kind of disease or sickness.
SECTION 2 – PERSONAL LIABILITY COVERAGE
The Insurer shall indemnify the Insured Person up to the Maximum Benefit as stated in the Schedule of Benefits for legal liability to a third party arising during the insured Journey as a result of:
However, the Insured Person must not make any offer or promise of payment or admit his/her fault to any other party, or become involved in any litigation without the Insurer’s written approval.
Exclusions Applicable to Section 6 - Personal Liability
No benefits will be provided for:
SECTION 3 – 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:
Aggregate Limit of Indemnity for Section 1, 2 and 3
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 4 - GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS IN PART A
The following exclusions apply to all sections of this Part A and are in addition to the specific exclusions under each individual section of cover. The Insurer will not be liable to provide any coverage or make any payment under any section of Part A of this Policy for loss, injury, damage or liability suffered and/or, sustained by or arising directly or indirectly as a result of or in connection with any of the following :
SECTION 5 – PART A DEFINITIONS
In addition to definitions on the GENERAL TERMS AND CONDITIONS section of this Policy, the following definitions apply to this Part A, wherever they appear in this Part A.
“Accident” means an unforeseen and involuntary event which causes an Injury during an insured Journey.
“Acquired Immune Deficiency Syndrome” or “AIDS” shall have the meanings assigned to it by the World Health Organization including Opportunistic Infection, Malignant Neoplasm, Human Immune Deficiency Virus (HIV) Encephalopathy (Dementia), HIV Wasting Syndrome or any disease or sickness in the presence of a sero-positive test for HIV.
“Close Business Partner” shall mean a close business partner of an Insured Person proved as such to the satisfaction of the Insurer on the basis of business registration or corporate registration documentation acceptable to the Insurer.
“Common Carrier” shall mean any bus, coach, ferry, hovercraft, hydrofoil, ship, train, tram or underground train provided and operated by a carrier duly licensed for the regular transportation of fare-paying passengers, and any fixed-wing aircraft provided and operated by an airline or an air charter company which is duly licensed for the regular transportation of fare-paying passengers and any helicopter provided and operated by an airline which is duly licensed for the regular transportation of fare-paying passengers and operating only between established commercial airports or licensed commercial heliports, and any regularly scheduled airport limousine operating on fixed routes and schedules.
“Effective Date of the coverage under this Part A” means either 1) the inception date of the Policy Period or 2) the date the Journey Cancellation benefit becomes effective or 3) the commencement of each insured Journey thereafter, whichever is later. "Family Limit" shall mean the aggregate amount of cover under each section listed in the Schedule of Benefits available to the Cardholder, spouse and each Dependent Child.
“Hospital” shall mean a hospital (other than an institution for the aged, chronically ill or convalescent rest or nursing home or a place for alcoholics or drug addicts, or for any similar purpose) operated pursuant to law for the care and treatment of sick or injured persons with organized facilities for diagnosis and surgery and having 24 hours nursing service and medical supervision. “Immediate Family Member” means Insured Person’s spouse, parent, parent-in-law, grandparent, son or daughter, brother or sister, grandchild, legal guardian.
“Injury” shall mean the bodily injury sustained in an Accident directly and independently of all other causes.
“Insured Person” shall mean the Cardholder, their spouse and/or Dependent Child/Children who is under the age of 23 years of the above Cardholder, provided that the above mentioned cards are issued by the Policyholder in Hong Kong.
“Journey” wherever used in this Policy shall mean the period of travel commencing from when the Insured Person leaves an immigration counter of Hong Kong for the purpose of commencement of his/ her journey until the Insured Person's arrival at any immigration counter of Hong Kong after the said journey or the expiry date of the Policy Period, whichever first occurs.
“Loss of” or "Loss of Use” shall mean the Permanent total functional disablement or complete and permanent physical severance through or above the wrists or ankle joints, and as used with reference to eyes, shall mean the entire and irrecoverable loss of sight.
“Loss of Hearing” shall mean Permanent irrecoverable loss of hearing where:
If a db - Hearing loss at 500 Hertz If b db - Hearing loss at 1,000 Hertz If c db - Hearing loss at 2,000 Hertz If d db - Hearing loss at 4,000 Hertz 1/6 of (a+2b+2c+d) is above 80dB.
“Loss of Sight” shall mean the entire and irrecoverable loss of sight.
“Loss of Speech” shall mean the disability in articulating any three of the four sounds which contribute to the speech such as the Labial sounds, the Alveololabial sounds, the Palatal sounds and the Velar sounds or total loss of vocal cord or damage of speech center in the brain resulting in Aphasia.
“Malignant Neoplasm” shall include but not be limited to Kaposi’s sarcoma, central nervous system lymphoma and/or other malignancies now known or which become known as immediate causes of death, an illness, or disability, in the presence of Acquired Immune Deficiency Syndrome.
“Maximum Benefit” means the maximum benefit amount of each of the benefits covered under this Part A as stated in the Schedule of Benefits at the beginning of this Part A.
“Opportunistic Infection” shall include but not be limited to pneumocystis carinii pneumonia, organism of chronic enteritis, virus and/or disseminated fungi infection.
“Percentage of Principal Sum” is the Percentage of Principal Sum as stated in the Benefit Table in Section 2 (Personal Accident) herein used to calculate the compensation payable.
“Permanent” shall mean 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.
“Permanent Total Disablement” shall mean disablement which commences ninety (90) days from the date of the Accident and which is Permanent and which entirely prevents an Insured Person from attending to any business or gainful occupation of any and every kind or if he/she has no business or occupation from attending to any duties, which would normally be carried out by him/her in his/her daily life.
“Pre-existing Condition” means any condition for which the Insured Person, Immediate Family Member, Close Business Partner or Traveling Companion received from or were recommended by a Qualified Medical Practitioner prior to the Effective Date of this Policy for: a) any medical treatment; b) any diagnosis; c) any consultation; or d) any prescribed drugs leading to a claim under this Policy; or any Symptom which existed prior to the Effective Date leading to a claim under this Policy. “Principal Sum” means the Maximum Benefit.
“Qualified Medical Practitioner” shall mean any person legally authorized by the Government with jurisdiction in the geographical area of his or her practice to render medical or surgical service, but excluding a qualified medical practitioner who is the Insured Person or an Immediate Family Member of the Insured Person.
“Schedule of Benefits” means the Schedule of Benefits at the head of this Part A.
“Serious Injury Or Serious Sickness” means an injury or sickness for which the Insured Person or Traveling Companion requires treatment and which is certified by a Qualified Medical Practitioner as being dangerous to life and as rendering the Insured Person or Traveling Companion unfit to travel or continue with his/her original insured Journey. When “Serious Injury Or Serious Sickness” is applied to the Insured Person’s Immediate Family Member(s) or Close Business Partner, it shall mean injury or sickness for which the Insured Person’s Immediate Family Member or Close Business Partner requires treatment and
certified by a Qualified Medical Practitioner as being dangerous to life and which results in the Insured Person’s discontinuation or cancellation of his/her original insured Journey.
“Sickness” means a sickness or disease which is contracted during the insured Journey directly and independently of any other cause and which commences during the insured Journey.
“Symptom” means a sign or an indication of disorder or disease experienced by an individual.
“Terrorist” or member of a terrorist organization shall mean any person who commits, or attempts to commit, a Terrorist Act or who participates in or facilitates the commission of a Terrorist Act and/or is verified or recognized or designated by any government or authority or committee as a terrorist.
“Terrorist Act” shall mean any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption, or commission of an act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not. Criminal acts, primarily committed for personal gain and acts arising primarily from prior personal relationships between perpetrator(s) and victim(s) shall not be considered terrorist acts. Terrorist act also includes any act, which is verified or recognised by the (relevant) Government as an act of terrorism.
“Traveling Companion” shall mean the person who is accompanying the Insured Person for the whole insured Journey.
“Travel Ticket” means an economy class travel ticket purchased for traveling on any Common Carrier.
“War” shall mean war, whether declared or not, or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends.
SECTION 6 - GENERAL CONDITIONS
In the event of any discrepancy between the English and Chinese version of this document, the English version shall prevail. Copyright in this Policy is reserved. No part of this Policy may be reproduced in whole or part without the express consent of AIG Insurance Hong Kong Limited.
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