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A Comprehensive Annual Travel Protection that You Must Have While Travelling for Leisure or Business



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BENEFITS Emergency Medical Assistance & Expenses 1. Medical Expenses Reimbursement Medical costs in some parts of the world are expensive and soaring. If the Insured falls sick or suffers injury during a journey, we will reimburse his/her actual reasonable and customary medical costs incurred. Besides, hospitalisation overseas is often a stressful experience. American International Assistance Services (AIAS) will advance payment if needed for him/her to be admitted to a hospital. Required follow-up medical treatment incurred within 90 days after his/her return to Hong Kong is also covered up to a maximum of HK$50,000. The total coverage for medical expenses incurred is up to a maximum of HK$1,000,000.

2. Emergency Medical Evacuation Essential medical advice, facilities and services may not be easily obtained abroad. When the Insured is seriously ill or injured during his/her journey, AIAS will provide en-route medical care and transportation when it is medically necessary to move him/her to another location or back to Hong Kong for medical treatment with unlimited coverage.

3. Repatriation of Remains In the unfortunate event that the Insured dies while travelling, AIAS will arrange for the return of his/her remains back to Hong Kong.

4. Compassionate Visit Being alone in an unfamiliar place can be frustrating. So if the Insured is seriously ill or injured during a journey and requires hospitalisation for more than 5 consecutive days, and no adult immediate family member is with the Insured, AIAS will arrange for an immediate family member to be at his/her bedside to look after him/her. We will pay for the additional hotel accommodation as well as the travelling costs incurred during his/her stay. Besides, AIAS can also arrange for his/her immediate family member to take care of his/her accompanying minor and accompany him/her back to Hong Kong or his/her normal place of residence, in the event the Insured is travelling alone with them and no other adult companion is with the Insured.

Personal Accident 1. Accidental Death and Dismemberment We will pay the Insured up to a maximum of HK$1,000,000 for accidental loss of life, dismemberment, major burns and other physical losses occurred within 180 days after an accident happened during a journey.

2. Permanent Total Disability If the Insured becomes totally and permanently disabled within 180 days after an accident happened during a journey, we will pay him/her HK$10,000 per month during such total and permanent disability starting on the 13th month up to a maximum of 100 months. * “Permanent Total Disability” is not applicable to students.

Journey Curtailment Having to curtain a journey is disappointing. If the Insured’s journey is interrupted as a result of the following reasons, we will reimburse him/her the irrecoverable loss of travel fare and accommodation expenses paid in advance, or the unused and non-refundable part of the travel package provided by the travel agent: the Insured requires medical evacuation or repatriation; the Insured is seriously ill or injured or being hijacked; the Insured’s immediate family member or the Insured’s close business partner is seriously ill or injured.

Journey Cancellation Travel can cost a good deal of money. We will reimburse the Insured the irrecoverable loss of travel fare and accommodation expenses paid in advance if due to any of the following events, occurring within 30 days before his/her journey commences: the Insured, the Insured’s immediate family member or the Insured’s close business partner are seriously ill, seriously injured or even die; serious damage to the Insured’s residence by fire or natural disasters within one week before departure date that requires the Insured’s presence on the premises on the departure date, the Insured is required to serve on a jury or served with a witness summons; the Insured is compulsorily quarantined; or the Insured’s planned destination is under unexpected outbreak of war, terrorist activities, strikes, riot or civil commotion.

Baggage Loss In the event of theft, loss or damage to the Insured’s baggage or personal belongings during a journey, provided that the loss has been reported to the police within 24 hours, we will pay up to a maximum of HK$15,000 in compensation, subject to a maximum sub-limit of HK$2,500 per item / set. For a lap-top computer, the maximum limit is up to HK$10,000.

Travel Documents Loss We will pay the Insured up to a maximum of HK$10,000 against theft or loss of his/her travel documents during a journey, including the cost of obtaining replacement passports, travel tickets and other relevant documents, as well as any reasonable additional hotel and travel expenses incurred.

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We will pay the Insured up to a maximum of HK$2,500 in the event that his/her cash, bank notes, traveller's cheques or money orders are lost or stolen during a journey.

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If the Insured’s journey is delayed for over 12 hours due to inclement weather, equipment failure, strike, hijack or other job action by the public common carrier’s employees, we will pay him/her HK$500 for each full 10 consecutive hours delay of the public common carrier the Insured has arranged to travel.

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If the Insured’s journey is delayed for over 12 hours through no fault of his/her own, we will pay him/her HK$500 for each full 10 consecutive hours delay of the public common carrier the Insured has arranged to travel. We will pay only once during any one journey.

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Personal Liability We will pay up to a maximum of HK$1,000,000 against legal liability for accidental death or injury to or damage to the property of a third party during a journey.

Compassionate Death Benefit In case of death, "Travel Smart" will provide “Compassionate Death Benefit”.

24-Hour Worldwide Assistance Services As our valued customer of the "Travel Smart" plan, the Insured will automatically become a member of the AIAS network which provides him/her with free telephone access on such travel assistance matters of: • Medical Advice Assistance Service • Emergency Ticket Service • Medicine Delivery • Embassy and Consulate Information • Lost Baggage / Passport Assistance Service • Emergency Cash Transfers • Travel Emergency Legal Assistance And many more......

CHINA Assist Card Our CHINA Assist Card is accepted by over 130 high quality hospitals in Mainland China. By presenting the CHINA Assist Card to any one of the appointed hospitals, the Insured will be guaranteed of hospital admission deposit that enables him/her to receive medical treatment at no delay. More, in case of emergency, emergency cash transmission and 24-hour legal advice service can be arranged.

IMPORTANT NOTES • Primary Insured and his/her Insured Spouse must be between 18 and 65 years of age, Hong Kong residents and expatriates stationed in Hong Kong with H.K.I.D. Cards, and in office type occupations (occupational class 1 & 2), are eligible to apply. The plan is renewable up to 69 years of age. • Primary Insured and/or Insured Spouse is eligible for 100% of the coverage amount. • The highest aggregate limit for Compassionate Death Benefit is HK$10,000 per Insured irrespective of the number of policies carried with the Company. • For benefits payable under Baggage Loss, Travel Documents Loss & Personal Money: 1. The first HK$100 of each and every claim will be borne by the Insured. 2. Except for theft, the loss or damage must occur while his/her baggage, personal belongings, travel documents or personal money is in a hotel or public common carrier. 3. The Insured must try his/her best to ensure the security of his/her baggage, personal property and travel documents. • Each covered journey must start from Hong Kong and the maximum coverage period per journey is 90 consecutive days. • In case of medical emergency, please contact AIAS immediately for assistance.

GENERAL EXCLUSIONS

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• Losses sustained in Hong Kong (except for Personal Accident, Journey Cancellation and Compassionate Death Benefit) and Macau (except for Personal Accident and Compassionate Death Benefit); • Declared war; Service in armed forces; Illegal acts; Detention by Authorities; Strike or industrial actions; • Terrorist attack; • Traveling in, to, or through Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, or Syria; • Losses sustained by Primary Insured and/ or Insured Spouse who is or is found to be a terrorist or member of a terrorist organization, narcotics trafficker, or purveyor of nuclear, chemical or biological weapons; • Losses due to government prohibition or regulations; • Riding or driving in any kind of race; Participation in professional sports; • Acting as the flight crew or an operator of any air carrier; Servicing, operating or testing of any kind of conveyance; Manual worker; Working on merchant vessels; Engaging in offshore activities like commercial diving, oil riggings, mining or aerial photography; Handling of explosives; • Suicide or self-inflicted injury; AIDS or HIV infection; Mental and nervous disorders; Pregnancy or childbirth; • Losses not reported to the police within 24 hours; • No written confirmation from the public common carriers or handling agents concerning the duration or reasons of delay; • Late arrival at the airport or port; • Normal wear and tear; Jewellery and antiques; Breakage or damage to fragile article; Loss or damage to foodstuffs, documents, business goods, data on tapes, cards or diskettes; • Employer liability, contractual liability or liability of an Insured's family; • Liability arising out of the use of vehicles, aircraft, or water craft; • Any Pre-existing Conditions before journey start/policy issue or reinstatement; Any congenital and hereditary conditions; • Hitchhiking; • Travelling against the medical advice of a physician etc.

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This brochure is only an illustrative proposal, not a contract of insurance. Please refer to the policy for exact terms, conditions and exclusions.

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IMPORTANT NOTE: You have to disclose in this application ALL material facts, which shall form the basis of the contract between you and our Company, otherwise the policy issued may be void or voidable. If you are in doubt as to whether a fact is material, please disclose it on the application.

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