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Travel Personal Accident & Personal Liability
Coverage for Personal Accident

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

Family Limit:

HK$7,000,000

Coverage for Personal Liability

Principal sum for insured person:

HK$1,000,000 / Cardholder

HK$1,000,000 / Spouse

HK$1,000,000 / Each dependent child

Family Limit:

HK$2,000,000

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.

PART A

TRAVEL INSURANCE

Schedule of Benefits under Part A

COVERAGE

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

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

PREAMBLE

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.

Benefit Table

EVENTS

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%

Compensation:

  1. If more than one (1) of the above Events are applicable, only the Event with the highest compensation (i.e. the highest Percentage of Principal Sum) will be payable under this Section and in any event shall not exceed the Maximum Benefit stated in the Schedule of Benefits.
  2. The insurance for any Insured Person under this Part A of the Policy shall terminate upon the occurrence of any loss for  which indemnity is payable under any one (1) of the above Events, but such termination shall be without prejudice to any claim originating out of the Accident causing such loss.
  3. When a limb or organ which had been partially disabled prior to the Accident covered under this Policy becomes totally disabled as a result of such Injury, the Percentage of Principal Sum payable shall be determined by the Insurer having regard to the extent of disablement caused by the Injury.  No payment however shall be made in respect of the loss of a limb or  organ which was permanently disabled prior to the Accident.
  4. If the Insured Person is under twenty-three (23) years of age or over seventy-five (75) years of age on the Effective Date of the coverage under this Part A, the Maximum Benefit payable will be HK$700,000 subject to the Percentage of Principal Sum as stated in the above Benefit Table under Section 1 (Personal Accident).

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:

  1. death or accidental bodily Injury to a third party;
  2. accidental loss of or damage to property of a third party.

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:

  1. Property of any person who is the Insured Person, Insured Person’s Immediate Family Member or employer or deemed by law to be his/her employee.
  2. Liability to any person who is the Insured Person’s Immediate Family Member or employer or deemed by law to be his/her employee.
  3. Property which belongs to the Insured Person or is in his/her care of custody or control.
  4. Any liability assumed under contract. 
  5. Liability relating to the willful, malicious, or unlawful act on the part of the Insured Person.
  6. Liability arising from the ownership, possession or use of vehicles, aircraft, watercraft, firearms or animals.
  7. Liability arising from the undertaking of any trade, business or profession.
  8. Liability arising from any criminal acts.

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:

  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 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 :

  1. War, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power.
  2. An Insured Person who is:
    1. a Terrorist;
    2. a member of a terrorist organization;
    3. a narcotics trafficker; or
    4. a purveyor of nuclear, chemical or biological weapons;
  3. Any illegal or unlawful act by the Insured Person or confiscation, detention, destruction by customs or other authorities;
  4. Any prohibition or regulations by any government;
  5. Any Terrorist Act except for Section 1 (Personal Accident).
  6. The Insured Person is not taking all reasonable efforts to safeguard his/her property/money, to avoid Injury or to minimize any claim under this insurance;
  7. Riding or driving in any kind of motor racing, competition, engaging in a professional capacity in any sport where an Insured Person would or could earn income or remuneration from engaging in such sport as a source of income;
  8. Any loss which has connection with the effects of alcohol or drugs other than those prescribed by a Qualified Medical Practitioner;
  9. Pregnancy or childbirth, and any Injury or Sickness associated with pregnancy or childbirth;
  10. Suicide or attempted suicide or intentional self-Injury, or self-exposure to needless peril;
  11. Any Pre-Existing Condition, congenital and heredity condition;
  12. AIDS or any Injury or Sickness commencing in the presence of a sero-positive test for HIV and related disease, sexually transmitted disease;
  13. Psychosis, sleep disturbance disorder, mental or nervous disorders;
  14. The Insured Person engaging in naval, military or airforce service or operations; armed force service; being as a crew member or an operator of any air carrier; testing of any kind of conveyance; engaging in any kind of labor work; engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives; performing as actor/actress; being a site worker, fisherman, cook or kitchen worker; tour guide or tour escort;
  15. Any medical treatment received during an insured Journey which was made for the purpose of receiving medical treatment or if the insured Journey was undertaken while the Insured Person was unfit to travel; or the Insured Person is traveling against the advice of a Qualified Medical Practitioner;
  16. Any loss and expenses that can be reimbursed or recovered from any other source except for Section 1 (Personal Accident);

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

  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.

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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