China Taiping

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China Taiping Insurance (HK) Company Limited (“CTPI(HK)”, previously known as The Ming An Insurance Co. (H.K.) Ltd.) was incorporated in Hong Kong in 1949.

It is a member of the China Taiping Insurance Group (HK) Company Limited ("TPG").

In 2019, the gross written premiums of CTPI(HK) was HK $3.75 billion, making CTPI(HK) the 3rd largest Hong Kong general insurer in terms of premium income.

Taiping Comprehensive Travel Insurance Scheme

PLAN FEATURES

High Medical Coverage

Ø Covers up to HKD1,000,000 for medical expense whilst overseas.

Rental Vehicle Excess Coverage

Ø The excess which is legally liable due to theft of the rental vehicle or damage to such vehicle during the trip.

Leisure or Non-Professional Activities

Ø Covers leisure amateur sports such as hot-air ballooning, skiing, parachuting, water skiing, etc.

24-Hour Worldwide Emergency Assistance Service

Ø Unlimited Emergency Medical Evacuation and or Repatriation

Terrorism Protection

Ø Covers in the event of Terrorism (except for using nuclear weapon or device or chemical or biological agent)

Personal Belongings Cover

Ø Protection against accidental loss of or damage to your baggage and belongings, including mobile phone* and laptop computer. (* Only applicable to Premier Plan)

Trip Eventually Cancelled due to Delay

Ø Pay the loss of Pre-paid travel expenses if the departure from Hong Kong is delayed for covered reasons for more than 10 hours resulting in cancellation of trips.

Travel Delay Cover

Ø China TaiPing will pay the following benefits:

Pays HK$300 cash allowance for each 6 hours of travel delay, and
Extra overseas accommodation expenses, and
Extra public conveyance expenses

Baggage Delay Cash Allowance

Ø If your checked-in baggage is delayed for more than 6 hours, we will pay you a lump sum allowance without any proof of purchase.

Cancellation or Curtailment

Ø If you are forced to cancel or cut you trip short for covered reasons, this Benefit is extended to cover the expenses incurred if you purchase an airline ticket using frequent flyer or similar reward points, you will be reimbursed at HKD1 for every 10 air mileage.

Ø Protection upon issuance of Red or Black Alert or unexpected outbreak of natural disaster at the destination.

Mobility Extension

Ø Reimbursement on cost of mobility equipment and installation for household and daily purpose, as a result of accidental permanent total disablement.

Unauthorized Use of Credit Card

Ø We will reimburse you for the monetary loss due to unauthorized use of your credit card provided that it is lost whilst overseas.

Cash Allowance due to Kidnap

Ø We will pay daily cash benefit for each 24 hours

Funeral Expenses

Ø Pay for the funeral expenses including burial and cremation charges in the event of accidental death.

Personal Accident cover starts 4 hours before trip departure from Hong Kong and up to 4 hours after returning to Hong Kong.

No age limit for Single Trip Cover

Annual Multi-Trip Cover

Ø Get FREE “MedPass” China Medical Card Service

Ø An unlimited number of trip

Ø The maximum duration per trip is 100 days

Ø Insured age limit is 70 years old

Automatic extension of Cover

Ø In the event that you get delayed overseas due to uncontrollable circumstances, your policy will automatically be extended up to 10 days at no extra charges.

Get FREE Assistance Services when you purchase our Travel Insurance.

Call 24/7 Hotline at (852) 2861 9283, for advice and referrals on:

Pretrip Information Services
Embassy Referral
Lost Luggage Assistance
Travel Information
Hospital Network Information
Emergency Travel Service Assistance
Interpreter Referral

PREMIUM TABLE (HKD)

Annual Multi-Trip Cover

	Individual	Individual & Child(ren)	Family
Premier Plan	1,880	2,820	4,700
Excellent Plan	1,380	2,070	3,450
Essential Plan	980	1,470	2,450
Age Limit	18-70	Adult: 18-70; Child : below 18
Discount	Enjoy 10% OFF for the Insured Couple

Group Discount

A group of Insured Persons under a family, corporation or an organization is eligible to apply as a group under annual individual plan.

Q Enjoy 10% OFF for group of 2 or above

Q Enjoy 15% OFF for group of 10 or above

Single Trip Cover

Coverage Period (days)	Premier Plan			Excellent Plan			Essential Plan			China Plan
Coverage Period (days)	Individual	Individual & Child(ren)	Family	Individual	Individual & Child(ren)	Family	Individual	Individual & Child(ren)	Family	Individual	Individual & Child(ren)	Family
1	108	162	270	88	132	220	52	78	130	42	63	105
2	130	195	325	108	162	270	62	93	155	56	84	140
3	148	222	370	126	189	315	76	114	190	60	90	150
4	202	303	505	152	228	380	90	135	225	80	120	200
5	230	345	575	168	252	420	116	174	290	90	135	225
6	266	399	665	192	288	480	152	228	380	106	159	265
7	282	423	705	206	309	515	160	240	400	112	168	280
8	300	450	750	216	324	540	176	264	440	120	180	300
9	318	477	795	232	348	580	188	282	470	126	189	315
10	340	510	850	246	369	615	196	294	490	132	198	330
11	380	570	950	260	390	650	202	303	505	140	210	350
12	398	597	995	278	417	695	210	315	525	152	228	380
13	432	648	1080	298	447	745	220	330	550	172	258	430
14	460	690	1150	318	477	795	232	348	580	182	273	455
15	496	744	1240	338	507	845	252	378	630	196	294	490
16	522	783	1305	356	534	890	270	405	675	208	312	520
17	530	795	1325	362	543	905	280	420	700	210	315	525
18	540	810	1350	370	555	925	286	429	715	216	324	540
19	550	825	1375	376	564	940	290	435	725	218	327	545
20	566	849	1415	388	582	970	298	447	745	226	339	565
21	586	879	1465	400	600	1000	300	450	750	232	348	580
22	602	903	1505	412	618	1030	306	459	765	238	357	595
23	610	915	1525	418	627	1045	310	465	775	242	363	605
24	620	930	1550	422	633	1055	312	468	780	246	369	615
25	628	942	1570	432	648	1080	318	477	795	250	375	625
26	646	969	1615	440	660	1100	322	483	805	256	384	640
27	656	984	1640	452	678	1130	330	495	825	260	390	650
28	668	1002	1670	462	693	1155	336	504	840	262	393	655
29	680	1020	1700	476	714	1190	340	510	850	270	405	675
30	698	1047	1745	498	747	1245	348	522	870	278	417	695
Each Additional Day	25	37	62	20	30	50	15	22	37	10	15	25
Maximum Coverage Period	182 days									60 days

All the premium listed above exclude insurance levy collected by the Insurance Authority.

Individual & Child(ren) Includes one adult and his/her all accompanying children under the age of 18

Family Includes a legal couple and their all accompanying children under the age of 18.

TABLE OF BENEFITS

Benefits		Maximum Benefit per Insured Person (HKD)
Benefits		Premier Plan	Excellent Plan	Essential Plan	China Plan
1	Personal Accident
	A. Accident on a Public Conveyance i) Insured person aged 18 to 75 ii) Insured person aged below 18 or above 75	1,500,000 500,000	750,000 250,000	500,000 150,000	500,000 150,000
	B. Other Accidents i) Insured person aged 18 to 75 ii) Insured person aged below 18 or above 75	1,000,000 500,000	500,000 250,000	300,000 150,000	300,000 150,000
	C. Major Burns	300,000	200,000	100,000	100,000
2	Medical and Relevant Expenses
	A. Overseas Medical Expenses i) Insured person aged 18 to 75 ii) Insured person aged below 18 or above 75	1,000,000 500,000	500,000 250,000	300,000 150,000	300,000 150,000
	B. Follow-up Medical Expenses in Hong Kong (a) Caused by Accident (b) Caused by Sickness	100% of unused portion of A 10% of unused portion of A			50,000 30,000
	*Total for A & B in aggregate during one trip* *shall* *not exceed A*
	C. Overseas Transportation for Medical Treatment	1,000	500	300	300
	D. Trauma Counselling	10,000 (1,000/day)	5,000 (500/day)	2,500 (250/day)	N/A
3	Cash Allowance
	A. Hospital Cash Allowance	5,000 (500/day)	3,000 (300/day)	1,000 (200/day)	N/A
	B. Compulsory Quarantine Cash Allowance	5,000 (500/day)	3,000 (300/day)	1,000 (200/day)	N/A
4	Travel Delay
	A. Cash Allowance (HKD300 for each full 6 hours)	1,500	1,200	600	300
	B. Extra Overseas Accommodation Expenses	2,000	1,000	500	N/A
	C. Extra Public Conveyance Expenses	10,000	8,000	3,000	N/A
	D. Trip Eventually Cancelled due to Delay ^New	2,000	1,000	N/A	N/A
5	Baggage Delay Cash Allowance (for delay over 6 hours)	1,000	500	300	300
6	Cancellation of Journey - Loss of Reward (HKD1 for every 10 air mileage)^New	30,000 1,000	20,000 1,000	5,000 1,000	5,000 N/A
7	Curtailment of Journey - Loss of Reward (HKD1 for every 10 air mileage)^New	30,000 1,000	20,000 1,000	5,000 1,000	5,000 N/A
8	Personal Baggage and Personal Effects	20,000	10,000	5,000	5,000
8	Sub-limit: - any one article, pair, set or collection - all cameras and camcorders - cover only one Laptop Computer^New - all golf equipment^New - cover only one mobile phone^New	3,000 5,000 10,000 5,000 3,000	3,000 5,000 10,000 5,000 N/A	3,000 5,000 5,000 5,000 N/A	3,000 3,000 N/A N/A N/A
9	Personal Money	3,000	2,500	1,000	1,000
10	Travel Document and Travel Ticket - Extra Accommodation Daily Limit	20,000 2,000	10,000 1,000	5,000 500	3,000 500
11	Loss of Home Contents - Sub-limit for any one article, pair, set or collection	50,000 3,000	30,000 3,000	10,000 3,000	5,000 3,000
12	Personal Liability	1,500,000	1,000,000	500,000	500,000
13	24 Hours Worldwide Emergency Assistance • Emergency Medical Evacuation or Repatriation • Repatriation of Mortal Remains/Ashes • Compassionate Visit - Transportation Expenses - Accommodation Expenses • Return of Unattended Dependent Child(ren) • Hotel Room Accommodation for Convalescence • Deposit Guaranteeing of Hospital Admission • twenty-four (24) hours hotline	Unlimited Unlimited One Return Economy Class Air Ticket 1,200 per day, up to 5 days One Way Economy Class Air Ticket 1,200 per day, up to 5 days USD6,500 Available
14	Additional Benefits
	A. Compassionate Death Allowance	20,000	10,000	10,000	10,000
	B. Credit Card Protection^	30,000	20,000	10,000	5,000
	C. Funeral Expenses^New	20,000	10,000	5,000	N/A
	D. Mobility Extension^New	20,000	10,000	5,000	5,000
	E. Cash Allowance due to Kidnap^New	20,000(2,000/day)	10,000(1,000/day)	N/A	N/A
	F. Unauthorized Use of Credit Card^^New	3,000	3,000	N/A	N/A
	G. Absence of Overseas Special Events^New	2,000	1,000	500	500
	H. Rental Vehicle Excess	6,000	3,000	N/A	N/A
	I. Skiing Events (a) Ski Equipment Hire (b) Ski Interruption (c) Piste Closure	3,000 3,000 3,000	1,000 1,000 1,000	N/A N/A N/A	N/A N/A N/A

^Credit Card Protection and Unauthorized Use of Credit Card are not applicable to any Insured Person under the age of 18.

IMPORTANT DETAILS

Place of Departure

Ø All trips must begin from Hong Kong

Duplication of Cover

Ø You can only be covered under one policy by us in respect of this insurance.

Maximum Trip Duration

Single Trip Cover:

Ø 182 days for Premier Plan, Excellent Plan and Essential Plan

Ø 60 days for China Plan

Annual Multi-Trip Cover: 100 days per trip

Age Limit

Ø For Single Trip Cover: No age limit is required

Ø For Annual Multi-Trip Cover: Maximum age limit is 70

Nature of Travel

Ø Only valid for conventional leisure travel or business travel

Fitness for Travel

Ø At the time of applying this insurance, you must be medically fit to travel and not be aware of any circumstances (including but not limited to financial, medical, political, adverse weather conditions) which could lead to cancellation, interruption or curtailment of your trip.)

CLAIMS PROCEDURE

All first treatment for bodily injury or sickness must be attended by a registered medical practitioner outside Hong Kong SAR.
You must report the theft or accidental loss of your luggage, personal effects, travel documents or money to the local police and relevant agency within 24 hours. A written report must be made at that time and a copy of the report obtained.
Official documents provided by public conveyance provider are required for baggage delay or travel delay.
You must not make any offer, promise of payment, or admit any liability without our written consent.
You must advise us of any claim, or occurrence that may give rise to a claim, as soon as possible and within 30 days of returning home.
All claims shall be made together with a copy of passport, visa or other travel document and satisfactory proof including reports from hospital, registered medical practitioner, police, airlines or other responsible authorities.

MAJOR EXCLUSIONS

Riot and strike, war (whether declared or not), invasion, act of foreign enemies, civil war, revolution, civil unrest;
Any biological, chemical and/or nuclear act of terrorism;
Participate in any flight activities or jobs, other than as fare-paying passenger in commercial airline;
Engaging in any kind of manual labour work whether for business or leisure;
Professional sports or games or participation in any sport games competition;
Self-inflicted injury, alcoholism or drug abuse;
Pregnancy, dystocia, miscarriage or childbirth;
Venereal disease or sexually transmissible including AIDS (Acquired immune Deficiency Syndrome) and ARC (AIDS Related Complex).
Dental treatment unless it is resulting from Accidental Bodily Injury to sound and natural teeth;
Pre-existing illness or bodily injury.

Note: This list is non-exhaustive. Please refer to the policy contract for the full list of exclusions under this policy.

HELPFUL TIPS
Safety of your belongings

Don’t check in your valuables (including watches), photographic equipment and mobile device(s) – keep them with you (unless security regulations meant you were forced to check them in).
Don’t leave your belongings in a motor vehicle at any time.
Don’t walk away from or leave your belongings unattended in a public place.
Loss or damage of any baggage or items whilst in the custody of an airline or other carrier, remember to get the “Property Irregularity Report(PIR)”
Remember to check for your items when checking out of any accommodation or leaving an aircraft, ship, train, tram, taxi or bus.

Taiping Prestige Individual Critical Illness Insurance Scheme

Scheme Overview

Policy Currency	HKD / USD
Insured Age	30 days - 65 years old
Renewal Age	Up to 80 years old guaranteed renewal *
Policy Period	1 year
Sum Insured	HKD 200,000-6,500,000/USD 25,000-812,500 (Higher Sum Insured will be considered individually)
Premium Structure	Level premium (differentiated from age, sex, smoking status)
Cooling off Period	21 Days
Grace Period	30 Days
Reinstatement Period	1 Year

* The Policy is guaranteed renewable. The company shall not impose any additional premium or terms on the insured person after the commencement date based on the health or claims conditions of the insured person.

Benefits & Claims Information

Benefits

Reimbursement

Major Illness

（97 types）

100% reimbursement of the sum insured

One-off Payment

Designated Illness

（5 types）

Additional 100% reimbursement of the sum insured, accumulating 200% reimbursement of the sum insured

One-off payment

Minor Illness

（83 types）

Additional 20% reimbursement of the sum insured per claim (up to HKD300,000 or USD37,500)

Before Age 75: maximum 5 claims

First diagnosed after age 75 or above: maximum 1 claim for each group of illnesses

(6 groups in total including juvenile illnesses)

180 days of waiting period in between each claim

Policy would still be effective after minor illness benefithas been paid out

Accidental Death Allowance

Before age 18: 100% reimbursement of the sum insured, up to HKD1,000,000 or USD125,000

Between age 18-74: 100% reimbursement of the sum insured

On or above age 75: 50% reimbursement of the sum insured, up to HKD1,000,000 or USD125,000

No Claim Bonus

A sum equivalent to 100% of the premium paid since the commencement date

Benefits Feature

• Covering 93 types of major illnesses, including 5 types of designated major illnesses

• Covering 87 types of minor illnesses, including 18 types of juvenile illnesses

• Separated sum insured: separated reimbursement for major illnesses and minor illnesses

• Multiple reimbursements, up to 300%* of sum insured

• Immediate payment, no survival period required

• All-round consideration, with additional accidental benefit

• No claim bonus: critical illness and pension care in one package

• Level premium

• Simple application process, high threshold for waiver of health examination

* Accumulated reimbursement for designated major illnesses and minor illnesses up to a maximum of 300% of the sum insured.

List of Covered Illnesses

97 MAJOR ILLNESSES
Group 1 Cancer	Malignant Tumour, Invasive hydatidiform mole (or Malignant hydatidiform mole)
Group 2 Illnesses related to the heart or cerebrovascular	Ⅲ Degree Atrioventricular Block, Aortic Surgery, Brugada Syndrome Requiring Defibrillator Insertion, Cerebral Aneurysm Requiring Surgery, Coronary Artery Bypass Surgery (Or Coronary Artery Bypass Grafting), Dissecting Aortic Aneurysm, Eisenmenger's Syndrome, Heart Attack, Heart Valve Surgery, Infective Endocarditis, Other Serious Coronary Artery Disease, Primary Cardiomyopathy, Sequela of Stroke, Severe Cor Pulmonale, Severe Primary Pulmonary Hypertension, Temporal Arteritis or Intracranial Arteritis
Group 3 Illness related to the Nervous system	Adrenoleukodystrophy, Apallic Syndrome, Benign Brain Tumour, Brain Surgery, Deep Coma, Gerstmann-Straussler -Scheinker Syndrome, Kuru, Major Head Injury, Metachromatic Leukodystrophy, Muscular Dystrophy, Paralysis, Poliomyelitis, Progressive Multifocal Leukoencephalopathy, Sequela of Encephalitis or Sequela of Meningitis, Severe Alzheimer's Disease, Severe Amyotrophic Lateral Sclerosis, Severe Ankylosing Spondylitis, Severe Bacterial Meningitis, Severe Myasthenia Gravis, Severe Parkinson’s Disease, Severe Primary Lateral Sclerosis, Severe Progressive Bulbar Palsy, Severe Progressive Supranuclear Palsy, Severe Spinal Muscular Atrophy, Spinocerebellar Ataxia, Syringomyelia, Tuberculous Myelitis
Group 4 Illnesses related to major organs	Acute Necrohemorrhagic Pancreatitis, Acute or Sub-acute Severe Hepatitis, Autoimmune Hepatitis, Chronic Adrenal Insufficiency (Addison's Disease), Chronic Liver Failure Decompensation Stage, Chronic Relapsing Pancreatitis, Crohn's Disease, End Stage Lung Disease, End Stage Renal Failure (or Chronic Renal Failure with Uremia), Major Organ Transplant or Hemotopoietic Stem Cells Transplant, Medullary Cystic Disease, Necrotising Fasciitis, Pancreas Transplantation, Pneumocystis Pneumonia, Primary Myelofibrosis, Primary Sclerosing Cholangitis, Pulmonary Alveolar Proteinosis, Pulmonary Lymphangiomyomatosis, Resection of the Whole Small Intestine(Duodenum, Jejunum and Ilinum), Respiratory Failure due to Cystic Fibrosis, Severe Aplastic Anaemia, Severe Myelodysplastic Syndrome, Severe Ulcerrative Colitis, Small Bowel Transplantation, Systemic Lupus Erythematous with Lupus Nephritis, Total Pancreatectomy, Zollinger-Ellison Syndrome
Group 5 Other major illnesses	Amputation of Feet due to Complication from Diabetes, Blindness at Certain Age, Creutzfeldt-Jacob Disease, Disseminated Intravascular Coagulation (DIC), Ebola, Elephantiasis, Fanconi Syndrome, Gangrene caused by Hemolytic Streptococcus, HIV due to Blood Transfusion, HIV due to Organ Transplantation, Loss of Hearing at Certain Age, Loss of Multiple Limbs, Loss of One Limb and One Eye, Loss of Speech at Certain Age, Multiple Root Avulsion from the Brachial Plexus, Multiple Sclerosis, Occupationally Acquired HIV, Pheochromocytoma, Psoriasis Arthritis, Rabies, Severe Dengue Haemorrhagic Fever, Severe Frostbite Leading to Amputation, Severe Rheumatoid Arthritis, Severe Third-Degree Burns, Systemic Sclerosis

83 MINOR ILLNESSES
Group 1 Early Stage Cancer	Carcinoma-in-situ, Early Stage Malignancy
Group 2 Illnesses related to the heart or cerebrovascular	Angioplasty or Endarterectomy for Carotid Arteries, Cerebral Arteriovenous Malformation Requiring Surgery, Endovascular Treatment for Cerebral Aneurysm, Endovascular Treatment of Peripheral Arterial Disease, Insertion of a Vena-cava Filter, Insertion of Cardiac Defibrillator, Insertion of Cardiac Pacemaker, Less Invasive Treatments of Heart Valve Disease, Less Severe Cardiomyopathy, Minimally Invasive Direct Coronary Artery By-pass, Minor Interventions for Coronary Artery Disease, Pericardectomy, Surgical Removal of Pituitary Tumour, Less Severe Primary Pulmonary Hypertension
Group 3 Illness related to the Nervous system	Cerebral Shunt Insertion, Less Severe Alzheimer's Disease, Less Severe Amyotrophic Lateral Sclerosis, Less Severe Bacterial Meningitis, Less Severe Head Injury, Less Severe Muscular Dystrophy, Less Severe Myasthenia Gravis, Less Severe Paralysis, Less Severe Poliomyelitis, Less Severe Primary Lateral Sclerosis, Less Severe Progressive Bulbar Palsy, Less Severe Progressive Supranuclear Palsy, Less Severe Sequela of Encephalitis or Sequela of Meningitis, Less Severe Spinal Muscular Atrophy, Less Severe Tuberculous Myelitis
Group 4 Illnesses related to major organs	Bilateral Oophorectomy, Biliary Tract Reconstruction Surgery, Chronic Renal Failure, Diabetic Nephropathy, Hepatitis with Cirrhosis, Less Severe Crohn's Disease, Less Severe Systemic Lupus Erythematosus, Less Severe Ulcerative Colitis, Liver Surgery, Major Organ Transplantation (on Waiting List), Middle East Respiratory Syndrome (MERS), Miliary Tuberculosis, Severe Acute Respiratory Syndrome (SARS), Severe Central or Mixed Sleep Apnoea, Severe Obstructive Sleep Apnoea, Surgical Removal of One Lung
Group 5 Other minor illnesses	Accidental Spine Fracture, Adrenalectomy for Adrenal Adenoma, Amputation of One Foot due to Complication from Diabetes, Bilateral Orchiectomy, Cochlear Implant Surgery, Corneal Transplant, Diabetic Retinopathy, Early Stage Elephantiasis, Facial Reconstructive Surgery for Injury and Burns due to Accident, Less Severe Burns to Body due to Accident, Less Severe Creutzfeldt-Jacob Disease, Less Severe Psoriasis Arthritis, Less Severe Systemic Sclerosis, Loss of Hearing in One Ear at Certain Age, Loss of One Limb, Loss of Sight of One Eye at Certain Age, Loss of Speech due to Vocal Cord Paralysis, Osteoporosis with Fractures
Group 6 Juvenile Illness	Insulin Dependent Diabetes Mellitus, Intellectual Impairment due to Illness or Accidental Injury, Juvenile Huntington Disease, Kawasaki Disease, Marble Bone Disease, Osterogenesis Imperfecta type Three, Progressive Rubella Panencephalitis, Rheumatic Fever with Valvular Impairment, Severe Asthma, Severe Haemophilia A, Severe Haemophilia B, Severe Myocarditis, Severe Reye's Syndrome, Still's Disease, Subacute Sclerosing Panencephalitis, The Child Spinal Muscular Atrophy type One, The Child Spinal Muscular Atrophy type Two, Wilson's Disease

Premium Table

* This premium amount does not include premium levy.

Major Exclusions

1. Pre-existing conditions before application;

2. Any signs or symptoms within 90 days since the commencement date;

3. Any medical procedure or treatment, which is not medically necessary or not performed by a registered medical practitioner or a specialist;

4. Congenital or inherited disorder before the age of 18 ; (Except otherwise stated under the policy)

5. Venereal disease or their sequel;

6. Pregnancy, childbirth, miscarriage and complications resulting therefrom or relating thereto;

7. Suicide, attempted suicide, intentionally self-inflicted Injury or voluntary exposure to an Illness whether sane or insane;

8. Drink driving any kind of vehicle while the accident resulting in injury or illness occurs;

9. Alcohol, drug abuse or any other complications arising therefrom or any drug accident;

10. Violation or attempted violation of the law or resistance to arrest or participation in any criminal act;

11. Engaging in aviation other than as a fare-paying passenger in an aircraft provided and operated by an airline or air charter company which is duly licensed for the regular transportation of fare-paying passengers;

12. Injury, death or illnesses caused by engaging in or practicing for dangerous activities as stated in the policy wording, including but not limited to bungee, paragliding, parachuting or any sporting activities in connection with an aircraft, sports in a professional capacity or where the insured person would or could earn income or remuneration from engaging in such sport etc.;

13. Any cosmetic or plastic surgery;

14. Working as or engaging in any of the types of job or occupation listed in the policy wording and caused directly or indirectly by an accident whilst carrying out such job or occupation, such as artiste or model, professional sportsman, mining, quarrying or underground worker, working at height of ten (10) feet or higher from the ground or floor level;

15. Illnesses caused by war or any act of war, rebellion or any nuclear radiation or contamination or the use of ionization or combustion of any nuclear weapons;

16. Sanction limitation and exclusion clause.

Claims Provisions

A written notice of claim (in a format stipulated by the Company) must be received by the Company from the claimant within thirty (30) days after the insured person received provisional diagnosis as to be suffering from an illness by a specialist or any event which may give rise to a claim under the policy. No claim shall be payable unless this condition is fulfilled by the claimant.

Office Insurance Package Policy

Coverage

Section 1: Commercial Property and Employees’ Compensation Insurance
Item A – Coverage in respect of office facilities and property:

• Loss to office facilities or property caused by accidental damage by external means.

Extensions	Maximum Benefit (HKD/$)
• Accidental breakage of fixed glass panes and the expenses of any temporary boarding-up for the broken panes	20,000
• Loss of or damage to office facilities and property whilst temporarily removed	The aggregate value of the removed property shall not exceed 15% of the sum insured
• Loss of personal property (including the employee’s property) - the maximum benefit for each article shall not exceed - the maximum benefit per capita shall not exceed	15% of the sum insured 1,000 5,000
• Clean-up expenses subsequent to the occurrence of an incident	10% of the sum insured
• Reinstating expenses in respect of loss of or damage to any document, deed, map, plan or records in transit	3,000

** The Insured is liable for HKD1,000 for each occurrence of loss.

Item B - Employees’ Compensation Insurance:

• Protect the Insured against legal liability arising from accidental injuries or death of their employees caused by work during the period of employment.

- The maximum benefit for each accident is HKD100,000,000.

Section 2: Supplemental Coverage
1. Money Insurance:

• Protect the Insured against loss of cash, various types of circulating currencies, postage stamps, cheques, bankers’ drafts, travel tickets and meal vouchers.

Coverage		Maximum Benefit （HKD/$）
I)	Loss of money whilst in transit between the office and any bank or post office in Hong Kong and/or Macau	50,000
II)	Loss of money whilst in bank night safes	50,000
III)	Loss of money in office during business hours	50,000
IV)	Loss of money in office out of business hours in a locked safe or strongroom	50,000
V)	Loss of money in office out of business hours not in a locked safe or strongroom	3,000
VI)	Loss of money consisting of crossed cheques, bankers’ draft and cashier’s orders	200,000
VII)	Damage to any safe of strongroom caused by theft	25,000
VIII)	Loss of automatic postal franking machines (calculated based on each single machine)	2,000

2. Personal Accident Insurance:

• Compensation that indemnifies the Insured, company partners, directors, or employees (aged 16 to 65) who are injured at work due to theft or attempted theft in the office.

Injury Severity	Maximum Benefit（HKD/$）
Death	50,000
Permanent total disablement	50,000
Loss of sight or limbs	50,000
Temporary total disablement	250 / per week (up to a maximum of 52 weeks)
Damage to clothing and personal property	1,000

3. Additional Expenses Insurance:

• Indemnify the Insured in respect of additional expenses incurred by the interruption of business in consequence of an accident involving the facilities or property insured under Item A set out in Section 1, the maximum benefit is up to HKD500,000 and the indemnity period shall not exceed 12 months (the indemnity period refers to the time required for the revenue to rebound in full following the occurrence of the loss)

Extensions:
• Fees paid to professional accountant in preparation for the accounts for insurance claims, the maximum benefit is 10% of the
amount of the loss.

• Additional expenses arising out of restoring normal business operations as prevents or hinders the use of or access to the office has been prevented or hindered for a continuous period of more than 24 hours due to an accident notwithstanding that the insured property is not damaged.

• Additional expenses arising out of restoring normal business operations as the failure of public supply of electricity, gas or water lasts for a continuous period of more than 24 hours.

4. Public Liability Insurance:

• Protect the Insured and his employees against legal liability arising from accidents caused by the negligence of the Insured or his employees in connection with the Insured’s business, the maximum benefit is HKD5,000,000 for each accident.

Coverage:

• Protection against legal liability arising from accidental bodily injuries or death of a third party (excluding employees)

• Protection against legal liability arising from accidental damage to the property of a third party (excluding the property of personal use or kept in the custody of the Insured or his employees)

• Expenses of legal representation at any coroner’s inquest or court proceedings arising out of any alleged breach of statutory duty (such expenses incurred with the Company’s written consent)

• All other expenses incurred with the Company’s written consent.

Extensions

• Protect company directors, partners, and employees of the Insured against legal liability arising from accidents due to negligence whilst being away from Hong Kong in connection with the Insured’s business.

• Protect the Insured, as a tenant, against non-contractual legal liability.

• Protect against legal liability arising out of poisoning of food or drink supplied free of charge.

• Protect against legal liability arising out of fires or explosions.

**The Insured is liable for HKD1,000 for each accident that involves loss of a third party’s property, death or bodily injuries.

Optional Add-On Items

Optional Items	Coverage	Maximum Benefit
1) Building structure	Loss arising from accidental damage to the structure of a building (excluding sewers and building foundations)	Self-determined sum insured
2) Money	As specified in I), II), III), and IV) of Item 1 set out in Section 2	Self-determined increase in the sum insured (the amount of increase is up to HKD50,000)
3) Public liability	As specified in Item 4 set out in Section 2	The amount can be increased up to HKD10,000,000
4a) *Comprehensive bodily injuries	Injuries to the body, limbs, both eyes or death, deafness, bone fractures, etc. in consequence of apparent accidental events from external cause	Self-determined sum insured (The sum insured is up to HKD200,000 per capita)
4b) Compensation for incapability to work ** (4a supplemental coverage)	- total loss of one’s physical ability to work (HKD250 per week) - partial loss of one’s physical ability to work (HKD65 per week) resulting from the occurrence of an accidental event	104 weeks
1) 4c) Medical expenses **(4a supplemental coverage)	Medical expenses within 52 weeks necessary for treating physical injuries resulted from the occurrence of an accidental event	Self-determined sum insured (The sum insured is up to HKD50,000)
The number of personnel insured under the comprehensive bodily injuries insurance plan shall be the same as that of insured employees (Contact the insurer for applicable premium rates and conditions for over 40 personnel). *Being insured under 4a is a prerequisite for opting for 4b or 4c.

General Exclusions (applicable to all insured items):

A. War, invasion, act of foreign enemy, battle (whether war be declared or not), civil war, mutiny, revolution, insurrection, military or usurped power, rebellious conspiracy, terrorism, riot, popular rising, provoked assault, or such other consequences.

B. Any judgement delivered during trials outside the jurisdiction of Hong Kong.

C. Ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel whereas the abovementioned nuclear combustion shall include any self-sustaining process of nuclear fission.

D. Consequential loss or damage of any kind or in any form except Item3 of Part 2).

E. Properties confiscated, requisitioned, and destroyed by order of a government authority.

F. Motor liability, product liability and professional liability.

Domestic Care Insurance Scheme

Plan Highlights

Up to HKD1,200,000 property coverage
Up to HKD10,000,000 legal liability coverage
Coverage in respect of robbery after withdrawing cash from a bank
Coverage in respect of third-party liability arising out of renovation
Third-party liability coverage for pets
30-Day Free Policy Review Period

A. Basic Coverage

Basic Coverage	Maximum Benefits (HKD)			Excess (HKD)
Basic Coverage	Plan 1	Plan 2	Plan 3	Excess (HKD)
1. Household Contents Comprehensive Coverage Comprehensive coverage against accidental damage to or loss of household contents • Valuables* maximum benefit per item • Valuables*, aggregate value	$1,200,000 $20,000 $300,000	$800,000 $10,000 $200,000	$300,000 $3,000 $100,000	Water damage:$500 Other accidents: $300
2. Household Third Party Liability Protect the insured against legal liability arising out of causing the loss of a third party’s property, bodily injuries, or death at the insured premise	$10,000,000	$5,000,000	$2,000,000	$2,000

*Valuables refer to watches, jewelry, photography equipment, etc

B. Free Extensions

Coverage

Maximum Benefits (HKD)

Excess (HKD)

Plan 1

Plan 2

Plan 3

1. Personal liability

a. Worldwide personal liability

Protect the insured against personable legal liability in the event that the insured causes the loss of a third party’s property, bodily injuries, or death by accident while being away fromHong Kongfor a short overseas trip (not exceeding 30 consecutive days)

b. Pet third party liability

Protect the insured against legal liability in the event that the insured’s pets (cat(s) or dog(s)) at the insured premise cause the loss of a third party’s property, bodily injuries, or death by accident.

c. Car space third party liability

Protect the insured against legal liability in the event that the insured’s car space causes a third party’s bodily injuries or death by accident.

$1,000,000

$500,000

$2,000,000

$500,000

$100,000

$1,000,000

—

$2,000

2. Loss or damage consequent to a household theft

a. Loss of money

b. Unlawful and unauthorized use of credit cards

c. Expenses incurred by replacing personal documents

expenses of replacing personal documents such as passport, driving license, and Hong Kong Identity Card

d. Injuries to or death of the insured and his/her spouse incurred by home invasion burglary

e. Expenses incurred by replacing damaged windows or door locks

$10,000

$20,000

$2,000

$50,000

$5,000

$2,000

$10,000

$1,000

$20,000

$2,000

$1,000

—

$20,000

—

$300

3. Home relocation

a. Damage to household contents in the course of being moved by professional moving companies

b. Loss of household contents while being temporarily placed elsewhere during the period of relocation (not exceeding 7 days)

$500,000

$150,000

$100,000

$300

4. Coverage in respect of interior renovation

For interior renovation projects with contract sums and duration of construction not exceeding the following amount and days, the following protection would automatically apply under the policy without the need to making separate claims.

Automatic coverage limit for

1. Contract sums, and

2. Duration of construction

Separate claims shall be made to the insurer for projects with contract sums and duration that exceed the amounts and number of days specified in the right column whereas additional insurance premium payable may be charged by the insurer.

a. The contractor’s accidental damage to household contents in the course of renovation,

b. Loss of items while being temporarily stored elsewhere for the purpose of renovation

c. Third party liability incurred by interior renovation

Protect the renovation company commissioned by the insured against legal liability arising out of causing the loss of a third party’s property, bodily injuries, or death by accident whilst carrying out an interior renovation project.

$500,000

60 days

$100,000

$300,000

$1,000,000

$150,000

20 days

$50,000

$100,000

$500,000

—

$2,000

5. Temporary accommodation

Protection in the event that your premise is rendered inhabitable due to accidents covered by the policy

a. Reasonable expenses incurred by seeking temporary accommodation

b. Expenses required for temporary storage of furniture

$60,000 (up to 30 days and up to $2,000 per day)

$30,000 ( up to 20 days and up to $1,500 per day)

$20,000 (up to 20days and up to $1,000 per day)

Costs of/for the initial three days after relocating to the temporary housing

6. Removal of debris

Expenses required for cleaning up debris subsequent to damage to the premise caused by accidental events covered by the policy.

$20,000

$5,000

$300

7. Refrigerated food

Protection in respect of food spoilage due to power outages or machine faults experienced by household refrigerators

$2,000

$1,000

—

$300

8. Golfer insurance

a. Third party liability

b. Damage to golf equipment in use

$1,000,000

$20,000

—

$2,000

$300

9. Bank cash withdrawal protection

loss of cash due to robbery on the way home immediately subsequent to bank/ATM cash withdrawal

$10,000

$2,000

—

$300

10. Home quarantine allowance

Pursuant to regulations published by the competent authority, a daily living allowance of $500 is provided in the event that the Insured is confined in the premise for quarantine due to outbreaks of infectious diseases.

$5,000

$2,000

—

$300

C. Optional Supplemental Coverage

Coverage

Maximum Benefits (HKD)

Deductible (HKD)

Rate/Premium (HKD)

1. Building comprehensive coverage

Protection against the loss of household buildings caused by accidents covered by the policy, with complimentary coverage of

a. architect and surveyor consultation fees

b. expenses of cleaning up damaged household contents

Self-selected sum insured

10% of the sum insured for building protection

$300

Rate 0.09%

(Contact the insurer for preferential premium rates in the event that the sum insured exceeds $2,000,000)

2. Domestic helper insurance

The employer’s liability insurance, with complimentary coverage of

• protection against loss of the domestic helper’s belongings

• expenses of repatriation to the original country of residence necessitated by health issues or death

(Age restrictions for domestic helpers: aged 18- 60)

$100,000,000

$5,000

$20,000

—

Foreign domestic helper $500

Local domestic helper $300

in additional to government levies and surcharges

3. Property owners ‘liability insurance in respect of a building’s communal areas

Protects the insured against their share of liability for the communal areas in the event of inadequate building insurance (building age must be under 30 years)

$1,000,000

(Contact the insurer for premium rates in the event that the sum insured exceeds $1,000,000)

$2,000

$3,00

Annual Premium Table (HKD)

Net Floor Area (sq. ft.)	Plan 1	Plan 2	Plan 3
800 <	1,200	800	400
801 – 1,200	1,600	1,000	500
> 1,200	Contact the Insurer	Contact the Insurer	Contact the Insurer

Note: Contact the MNavigator for policy terms and conditions in the event that your premise’s building age is over 40 years, or the insured premise is:

a detached house,
a semi-detached house, or
a village house.

The insured enrolled in an insurance plan for two consecutive years is entitled to an additional 5% discount on the insurance premium rate for the two years.

Commercial Car Ins Proposal Form-CVI-PF-072013-S.pdf

China Taiping Commercial Car Insurance Proposal Fillable Form

China Taiping Private Car Insurance Proposal Fillable Form

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