bodyguard 平安樂 - insurediy.com...bodyguard is a comprehensive insurance plan providing maximum...

BODYGUARD平安樂PERSONAL ACCIDENT INSURANCE個人意外保險

BodyGuard is a comprehensive insurance plan providing maximum protection to you and your family. Apart from attractive benefits such as Hospitalisation Allowance and Bonesetters’ Fees, enhanced features of Major Burns and Double Indemnity in Medical Expenses reflect the uniqueness of this product. With the choice of annual and monthly premium plans, you can enjoy both financial flexibility and carefree living.

BODYGUARD

HOW TO CALCULATE THE PREMIUMStep 1: Ascertain your occupational classification as follows:

Class 1 - Professional, administrative, clerical duties and indoor staff

e.g. secretary, lawyer, doctor

Class 2 - Non-manual work with frequent outdoor duties,

overseas travel for > 2 times a month or for > 7 days per

trip e.g. messenger, chauffeur, salesman

Class 3 - Occupation involving light manual work e.g. electrician,

factory worker, indoor cleaner

Step 2: Decide the limit and sections required according to:

• ADPD in multiples of HK$10,000

• TTD (weekly benefits) in multiples of HK$100

• Medical Expenses in multiples of HK$100

Step 3: *Calculate the premium according to the rating table.

Remarks1. Minimum Annual Premium: HK$500

2. Terrorism cover is subject to a maximum limit of HK$1,000,000

3. Age Limit: 16 to 65

4. The Policy is not applicable to any person residing outside Hong Kong for

more than 180 days in a year

5. Aggregate limit for ADPD (including Double Indemnity and No Claim Bonus)

is HK$5,000,000

6. Exclusion: major dangerous sports such as scuba-diving or mountaineering,

illness, pregnancy/child birth, HIV/AIDS and war

Cover Accidental Death &Permanent Disablement/

ADPD (Compulsory)

Temporary Total Disablement/TTD (Optional)

Medical Expenses(Optional)

Basic Benefit Limit of Benefit Chosen by youUp to 75% of average weekly income subject to a max. of HK$5,000/week

for 104 weeks

Up to 10% of ADPD benefit subject to a max. of HK$250,000

Free Benefits

Double IndemnityDouble the limit of ADPD if :a) accident happens in common carrierb) due to shark attackc) insured and his/her spouse passed away with children aged under 18(Not applicable in the event of terror attack)

N/A Double IndemnityDouble the limit of Medical Expenses incurred byAccidental Permanent Total Disablement if :a) accident happens in common carrier orb) due to shark attack(Not applicable in the event of terror attack)

Free Cover for SpouseIf ADPD is insured at HK$1,000,000 or above:- HK$100,000 FREE cover for spouse

N/A Hospitalisation AllowanceIf Medical Expenses is insured at HK$10,000 or above:- HK$200 per day- Max. : HK$2,000 per year(Subject to hospitalisation for more than 3 consecutive days)

Major Burns - 3rd Degree25% of ADPD Limit

N/A Bonesetters’ FeesIf Medical expenses is insured at HK$10,000 or above:- HK$150 per consultation (Excess: HK$50)- Max. : HK$1,500 per year(Diagnosed by a registered medical practitioner)

24-hour Assistance HotlineProvide Advisory Service in case of emergency abroad following accident, illness or serious loss.

RATING TABLE (on sum insured)

Classification/Benefits ADPD TTD Medical Ex-

penses

Class 1 0.08% 26.0% 2.6%

Class 2 0.10% 33.0% 3.0%

Class 3 0.19% No Cover No Cover

DISTINCTIVE FEATURES

• Terrorism and War Whilst Overseas Travelling Cover

• High limit of Medical Expenses up to HK$250,000

• Extended coverages for Food Poisoning, Drowning and Gassing

• Free benefits as Double Indemnity and Third Degree Burns

• No Claim Bonus at 10% in compound per year, for a maximum of 5 years (not

applicable in the event of terror attack)

• FREE cover for spouse as Accidental Death and Permanent Disablement

HK$100,000 (for sum insured at HK$1,000,000 or above)

• Simple application procedure (for HK$5,000,000 sum insured or below)

DOUBLE INDEMNITY RELIEVES SUDDEN CRISIS

If permanent injuries or death incurred as a result of any accident in any public

common carriers or shark attack, the compensation will be up to 200% of the sum

insured on Accidental Death & Permanent Disablement or Medical Expenses. If a

fatal accident happened to you while your spouse has passed away, leaving your

dependent children all aged at 18 or below, Accidental Death Benefits will then

be payable in double.

EXTRA BENEFIT WITH MAJOR BURNS

To provide you with a comprehensive protection in case of any mishap, our

Permanent Disablement benefit is tailored with extra benefit covering Major

Burns of third degree.

LOYALTY BONUS FOR DESIRABLE LIFE

If you did not make any claim in the preceding year, the benefit limit of your

Accidental Death & Permanent Disablement will be automatically increased by

10% in compound for a maximum of 5 years, meaning your chosen sum insured

increases by more than 160% absolutely FREE. We believe this can keep pace

with your progressing living standard, and serves as our distinctive benefits for

loyal customers.

EXTENSIVE COVER MAKES A DIFFERENCE

To provide you and your family the best care, our Personal Accident Insurance

extends to cover features such as Terrorism, War whilst Overseas Travelling and

Food Poisoning. We also provide free cover for spouse, medical expense limit up

to HK$250,000.

*Please note the above premium rates have not included the levy imposed by the Insurance Authority. For further information on the levy, please visit https://donline.alliedworldgroup.com.hk/file/IALevy.pdf or contact: (852) 2968 1636.

如何計算保費

第一步：確定您的職業類別第一類 - 專業、行政、文書職務而在室內工作的職業如：秘書、律師、醫生等第二類 - 非體力勞動職業而需往室外工作、往外地公幹每月兩次以上或每次公幹多於七日的職業如：信差、私家車司機、推銷員等第三類 - 涉及輕度體力勞動的職業如：電器技師、工廠工人、室內清潔工人等

第二步：決定您要投保的項目及其限額 • 意外死亡及永久傷殘（以每港幣10,000元為單位） • 短期完全失去活動能力（賠償額以每週計算，以每港幣100元為單位） • 醫療費用保障（以每港幣100元為單位）

第三步： *按保費表計算保費

備註

1. 最低每年保費為港幣500元2. 恐怖襲擊最高賠償額為港幣1,000,000元3. 年齡限制：16至65歲4. 本保單不適用於一年內在香港居住不足180日之人士5. 包括雙倍賠償及無索償優惠之意外死亡及永久傷殘保障的總賠償額為最高港幣5,000,000元6. 不受保項目：主要危險運動如潛水或攀山、疾病、懷孕/分娩、HIV/ 愛滋病及戰爭。

承保範圍意外死亡及永久傷殘（必選項目）

短期完全失去活動能力（自選項目）

醫療費用保障（自選項目）

基本保障自選投保額最高投保額為每週港幣5,000元，但以不超過平均週薪的75%為限，

最長賠款期為104週

最高投保額為意外死亡及永久傷殘保障的10%或港幣250,000元，

為較低者為準。

免費保障

雙倍賠償額因下列情況而導致死亡及永久完全傷殘可獲雙倍賠償 (恐怖襲擊除外)： a) 在公共交通工具上發生意外b) 被鯊魚襲擊c) 意外死亡，而配偶亦不在人世，並遺下子女全在18歲以下

不適用雙倍賠償額因下列意外而引致永久完全傷殘可獲雙倍賠償(恐怖襲擊除外)：a) 在公共交通工具上發生意外b) 被鯊魚襲擊

配偶獲免費保障投保額港幣1,000,000元或以上，配偶可自動獲得港幣100,000元意外死亡及永久傷殘保障

不適用住院現金津貼若醫療費用保障投保額在港幣10,000元或以上：- 每日津貼港幣200元- 每年最高津貼港幣2,000元(須入院超過連續3日)

第三級嚴重燒傷賠償限額為永久傷殘項目的25%

不適用跌打費用若醫療費用保障投保額在港幣10,000元或以上：- 每次診治最高賠償港幣150元 (自負額港幣50元)- 每年最高賠償港幣1,500元 (必須備有註冊西醫的診斷書)

24小時全球支援熱線在海外遇上意外，或緊急及嚴重事故時提供諮詢服務

保費率（按投保額計算）

保障項目/職業類別

意外死亡及永久傷殘

短期完全失去活動能力

醫療費用保障

第一類 0.08% 26.0% 2.6%

第二類 0.10% 33.0% 3.0%

第三類 0.19% 不設是項保障不設是項保障

註：本小冊子只為一般簡介，僅供參考之用。有關承保範圍之條款及細則和不受保項目，概以保單所載為準。如中文譯本與英文有異，以英文文本為準。

*請注意以上保單保費未計算由保險業監管局收取的保費徵費在內。如欲了解更多保費徵費詳情，請登入https://donline.alliedworldgroup.com.hk/file/IALevy.pdf 或致電我們： (852) 2968 1636。

「平安樂」為您及家人提供最周全而貼身的保障。除一般住院現金津貼及跌打費用等基本保障項目外，更特設嚴重燒傷及雙倍醫療費用賠償等額外保障。您更可隨個人需要選擇月繳或年繳計劃，讓您理財更靈活優悠，與家人生活無憂。

產品特點推介

• 恐怖襲擊及外遊期間的戰爭保障• 特高醫療費用保障額，最高可投保港幣250,000元• 食物中毒、遇溺及氣體中毒引致死亡及永久傷殘皆獲賠償• 免費附加保障包括雙倍賠償及第三級燒傷• 無索償優惠會按複式每年遞增意外死亡及永久傷殘保額10%，並可連續累積5年（因恐怖襲擊導致者除外）• 免費配偶保障港幣100,000元（投保額達港幣1,000,000元或以上）• 申請手續簡便（適用於投保港幣5,000,000元或以下）

雙倍賠償紓財困

乘搭公共交通工具期間發生意外或被鯊魚襲擊引致永久傷殘或身故，本計劃中的意外死亡、永久傷殘及醫療費用項目將作出雙倍賠償，以紓解您或您的家人突如其來的財政壓力。如您在子女未滿十八歲時意外身亡而您的配偶亦已身故，意外賠償額當以雙倍計算。

嚴重燒傷有保障

除一般人身意外保障外，我們特別納入第三級嚴重燒傷於承保範圍內，讓您及您的摯愛家人無論發生任何意外，都可獲得更完善的意外保障。

無索償優惠顯優勢

假如您在投保此計劃一年內，沒有提出任何索償，閣下於翌年續保時的意外死亡及永久傷殘賠償額便會自動地以複式遞增10%，並可連續累積五年，讓您的保障可免費增加至自選投保額的160 %以上。切合您不斷進步的生活需要之餘，更作為鼓勵您繼續選用由「平安樂」提供的周全保障。

保障全面見高低

此計劃的保障範圍全面，不單把全面恐怖襲擊，外遊期間的戰爭及食物中毒等高危險種納入保障範圍，更可為配偶提供免費保障；計劃所提供的醫療費用保障額可高達港幣25萬元。

平安樂

SP-PA1217PL

Allied World Assurance Company Holdings, GmbH, through its subsidiaries, is a global provider of insurance and reinsurance solutions. We operate under the brand Allied World and have supported clients, cedents and trading partners with thoughtful service and meaningful coverages since 2001.

We are a subsidiary of Fairfax Financial Holdings Limited, and we benefit from a worldwide network of affiliated entities that allow us to think and respond in non-traditional ways. Our capital base is strong, our solutions anticipate rather than react to changing trends, and our teams are focused on establishing long-term relationships that are mutually beneficial.

Learn more about how we can help you manage your risk by visiting: Web: www.awac.comFacebook: www.facebook.com/alliedworldLinkedIn: https://www.linkedin.com/company/allied-world

ALLIED WORLD DISCLAIMER

Coverage will be underwritten by the Hong Kong branch office of Allied World Assurance Company, Ltd, which is regulated by the Insurance Authority. Coverage is only offered subject to local regulatory requirements. Actual coverage is subject to the terms, conditions and exclusions of the actual policy issued.

© 2017 Allied World Assurance Company Holdings, GmbH, a Fairfax company. All rights reserved.

Allied World Assurance Company Holdings, GmbH是一家通過其子公司，為全球提供保險及再保險解決方案的供應商。自2001年以來，我們以Allied

World世聯之名開展業務，為客戶、分保人及貿易夥伴提供專業的服務及適切的保障。

我們是Fairfax金融控股有限公司的子公司，藉著遍及全球的附屬機構網絡，令我們不論在思維或處理個案時，都能跳出傳統框框。我們擁有穩健的資本基礎，於解決方案時，能預視未來的變化趨勢，而成為市場先驅；我們的團隊亦極重視與客戶建立互惠互利的長遠關係。

歡迎透過下列途徑，了解我們可如何助您管理風險：網頁: www.awac.comFacebook: www.facebook.com/alliedworldLinkedIn: https://www.linkedin.com/company/allied-world

Tel 電話 +852 2968 1636Fax 傳真 +852 2917 6266Email 電郵 [email protected]

PERSONAL ACCIDENTINSURANCE POLICY

NOTES TO POLICYHOLDER

Thank you for insuring with Allied World.

We will provide the insurance cover described in this policy during the period of insurance upon receiving your premium payment.

This policy provides comprehensive protection for you and your family with the following documents forming the basis of and part of your policy:

• the proposal, declaration and any other information you have given us,• the policy schedule and any amended schedule,• the most recent renewal confirmation, and• any endorsement amending any of the above.

We highly recommend that you read this policy thoroughly which sets out the benefits and limitations of the insurance you have bought. We also suggest that you should make your family members aware of this insurance cover in case they need to make or assist with a claim.

Should you have any query about this policy cover, please do not hesitate to contact your broker, agent or us for clarification.

Making a ClaimIf you have any query when making a claim, please contact:

Claims TeamTel +852 2968 3221 Fax +852 2917 6179

Customer service ExcellenceShould you have any feedback or advice to assist us in continuously improving our customer service, please contact:

Marketing & Communications TeamTel +852 2968 3000 Fax +852 2968 5111Email [email protected]

Part I - DEFINITIONSBodily InjuryBodily injury resulting solely and directly from accidental, external, violent and visible means and does not include sickness or disease or any naturally occurring condition or degenerative process

CompanyAllied World Assurance Company, Ltd

DeathItem 1 of the scheduleBodily Injury which within 12 months from its occurrence is the sole and direct cause of the death

InsuredThe person(s) named in the corresponding item in the Schedule, as the policyholder(s)

Insured PersonThe person(s) named in the corresponding item in the Schedule, for whom insurance has been arranged

Loss of a limbMeans total functional disablement, or loss by complete and permanent physical severance of a hand at or above the wrist or a foot at or above the ankle

Major BurnsMeans a third-degree burns with burn area equal to or greater than (i) 2% of the total head surface or (ii) 10% of the total body surface area

Medical ExpensesItem 5 of the scheduleMedical surgical hospital nursing home or massage expenses necessarily incurred in connection with any Bodily Injury sustained by the Insured Person

Medical PractitionerA practitioner of occident medicines duly qualified and legally registered as such under the laws of the country to render medical or surgical service but excluding a person who is the Insured Person himself, his spouse or relatives

Permanent disablementItem 2 of the scheduleBodily Injury which within 12 months from its occurrence is the sole and direct cause of the Insured Person sustaining disablement as specified in the Permanent Disablement Scale of Benefits

Permanent total disablementItem 3 of the scheduleBodily Injury (not resulting in disablement as defined in Item 2) which is the sole and direct cause of the Insured Person being totally disabled and prevented from attending to his business or occupation or to business or occupation of any kind with proof satisfactory to the Company that such disablement has continued for one year from the date of the occurrence and will in all probability continue for the Insured Person’s life

Temporary total disablementItem 4 of the scheduleA state of incapacity resulting from the Insured Person suffering Bodily Injury which temporarily totally prevents the Insured Person from engaging in his/her occupation. If the Insured has no occupation then the Temporary Total Disablement must require confinement to home or hospital under the orders of a Medical Practitioner

Part II - BENEFITSIf during the Period of Insurance the Insured Person shall sustain Bodily Injury as defined in the Policy the Company shall pay the Insured Person or his legal personal representative the relevant sum shown in the Schedule for the Death or Disablement of the Insured

Provided thata. the Company shall be liable to pay only one Benefit under any or all of Item 1 to

3 of the Schedule and when such Benefit becomes payable they shall have no further liability in respect of the Insured Person

b. weekly compensation under Item 4 cannot be claimed for a period exceeding 104 successive weeks. The Company’s liability on weekly compensation under

this Item shall not exceed 75% of the Insured’s average weekly earningsThe Insured Person’s average weekly earnings is calculated as 1/4 of the Insured Person’s monthly salary

c. no weekly compensation shall become payable until the total amount shall have been ascertained and agreed

d. the Company shall not be liable in respect of any one Period of Insurance for an aggregate amount exceeding 100% of the relevant sum payable under Item 2

e. the Company shall not be liable under Item 5 of the Schedule for payment of expenses not recommended by or undertaken by a registered Medical Practitioner and the detailed accounts relating to such expenses shall be submitted to the Company. The Company’s liability under this Item shall not exceed in any one Period of Insurance the Benefit as shown in the Schedule

f. If the Insured Person be at any time during the continuance of this Policy also insured under any other Personal Accident Insurance policy with the Company without the permission of the Company then the Company shall only pay the benefit under the policy which provides the highest benefit amount

g. If the claims(s) in any way caused or contributed by an act of terrorism, provided that the claim(s) does not caused or contributed to by an act of terrorism involving the use or release or the threat thereof of any nuclear weapon or device or chemical or biological agent, the Company’s liability should not in any one Period of Insurance exceed HK$1,000,000 or the Benefit as shown in the Schedule, whichever is lesser. An act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear

h. Permanent Disablement Benefit is payable according to the following scale or compensation:

Personal Accident Insurance Policy | 2

Loss of a Limb or member or part thereof shall mean loss by actual physical severance or total and permanent loss of use

In the event of the loss or permanent loss of use of more than one of the a forementioned members or organs the percentages payable shall be aggregated but the total sum payable shall in no case exceed 100% of the maximum limit under Item 2 of the Schedule

When a limb or organ which was partially useless prior to an accident covered under this Policy becomes completely useless as the result of such accident the amount payable shall be equivalent only to the loss occasioned by the accident. No payment however shall be made in respect of the Loss of a Limb or organ which was useless prior to the accident

Where any permanent partial disablement not specified above the Company shall adopt a percentage of disability which in their opinion is consistent with the above scale

ExtensionThe cover by this Policy is expressly extended to include:a. drowningb. gassingc. poisoningd. exposure

If by reason of an accident covered by this Policy the Insured Person is unavoidably exposed to the elements and as a result of such exposure suffers Death or Disablement for which benefit is otherwise payable hereunder such Death or Disablement shall be covered under the terms of this Policy

e. disappearanceIf the body of the Insured Person has not been found within one year of the disappearance sinking or wrecking of the conveyance in which the Insured Person was travelling as a fare-paying passenger at the time of the accident it will be presumed that the Insured Person suffered Death resulting from Bodily Injury caused by an accident at the time of such disappearance sinking or wrecking and the Company shall forthwith pay the death benefit under this insurance provided that the person or persons to whom such sum is paid shall sign an undertaking to refund such sum to the Company if the Insured Person is subsequently found to be living

ADDITIONAL BENEFITS(Subject to the limits as shown in the Schedule)

1. IPA assistance HotlineThe Company has arranged for a 24-hour worldwide assistance service Inter Partner Assistance Hong Kong Limited (IPA) to assist the Insured in case of emergency abroad following accident, illness or loss.

The following services are also available before and during the journey:Pre-trip travel Information• visa requirements• health advice for international travel• exchange rate• vaccination and immunisation requirements• consulate and embassy contacts• weather information• airport taxes• customs requirements• language information• banking days

During Your Journey• medical advice, evaluation and referral• emergency rerouting arrangement• referral of lawyers and solicitors• arrangement of interpreters and children escort• transmission of urgent messages for medical reasons• luggage retrieval

IPA shall not be held responsible for delays or failures in providing assistance caused by any strike, war, invasion, act of foreign enemies, armed hostilities, (regardless of a formal declaration of war), civil war, rebellion, insurrection, terrorism, political coup, riot and civil commotion, administrative or political impediments or radioactivity or acts of God or any other event of Force Majeure which prevents IPA from providing such assistance services.

24-Hour Emergency Hotline+852 2851 2666

Please quote the Policy Number when you call

2. No claim BonusIn the event of no claim being made or arising under this Policy during the preceding policy year the Benefits under Item 1, 2 and 3 of the Schedule shall increase automatically by 10% compounding over a five year period without payment of any additional premium but subject always to the maximum limits of the relevant items stated in the Schedule

Should a claim happen in any one Period of Insurance the Benefit at next renewal shall remain or revert to the initial sum when the policy was first effected

No refund in premium shall be made to the Insured who by any reason whatsoever does not require this increase in cover

It is agreed that, regardless of any contributory cause(s), this No Claim Bonus does not apply to any claim(s) in any way caused or contributed to by an act of terrorism.

An act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.

3. Double Indemnitya. Indemnity provided under Item 1, 2, 3 or 5 of the Schedule shall be

doubled (not applicable to disablement less than 100%) if Bodily Injury is resulting from the Insured Personi) travelling as a regular fare-paying passenger in any public

common carrier licensed to carry passengers for hire orii) being attacked by shark

b. If all the Insured Person’s children are below 18 years of age the amount payable under Item 1 shall be doubled in the event of death to both the Insured Person and his spouse

No benefit shall be made under more than one of Items (a) and (b) in respect of any one accident or period of insurance

The amount payable under this section shall be applied to the benefits to which the Insured is entitled under the No Claim Bonus section subject always to the Aggregate Maximum Limit per policy and in any one period of insurance as stated in the Schedule

It is agreed that, regardless of any contributory cause(s), this Double Indemnity does not apply to any claim(s) in any way caused or contributed to by an act of terrorism.


4. Free cover for Insured Person’s spouseThe Policy is extended to cover the Insured Person’s spouse in respect of Item 1, 2 or 3 provided that the Insured Person’s spouse shall observe fulfil and be subject to the terms conditions and exceptions of this Policy in so far as they can apply

The additional benefits provided under the No Claim Bonus and Double Indemnity section shall not apply to this Extension

5. Hospitalisation allowance (additional cover to Item 5 Medical Expenses if insured)In the event of hospitalisation occasioned by an accident covered under this Policy a daily allowance shall be payable subject to the period of hospitalisation being more than three consecutive days

6. Bonesetters’ Fees (additional cover to Item 5 Medical Expensesif insured)This Policy is extended to cover bonesetters’ fees necessarily incurred provided the detailed accounts relating to such expenses are submitted to the Company No payment shall be made in the absence to the need for such bonesetting treatment

Part III - GENERAL EXCEPTIONSThe Company shall not be liable in respect of Bodily Injury resulting directly or indirectly from:1. war invasion act of foreign enemy or hostilities whether war be declared or not civil

war mutiny rebellion revolution insurrection military or usurped power riot or civil commotion

2. pregnancy or childbirth

3. the Insured Persona. being under the influence of intoxicants or drugs (unless under medical

supervision)b. committing or attempting to commit suicide or intentionally inflicting self-

injuryc. flying or taking part in any other aerial activities except whilst travelling as a

passenger in an aircraft and not as pilot or aircrew nor for the purpose of any trade or technical operation in or on the aircraft

4. the Insured Person engaging ina. racing of any kind (other than on foot or whilst sailing on inland or territorial

waters)b. mountain or rock climbing necessitating the use of ropes or guidesc. winter sports (other than skating)d. diving using breathing apparatuse. any sports in a professional capacityf. parachuting, ballooning, bungi-jumping or hangglidingexcept and insofar as the Company have by endorsement agreed to extend this insurance.

5. a cause which operates gradually to affect the Insured Person

6. sickness or disease or any physical or mental defect or infirmity which was known to the Insured or the Insured Person at the time of the occurrence of Bodily Injury unless it had been declared to and accepted in writing by theCompany

7. or attributable to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/ or mutant derivative or variations thereof however caused

8. The Company shall not be liable in respect of Bodily Injury directly or indirectly caused by or arising from or in consequence of or contributed to bya. nuclear weapons materialb. ionising radiations or contamination by radioactivity from any nuclear fuel or

from any nuclear waste from the combustion of nuclear fuel and solely for the purpose of this General Exception 8b combustion shall include any self- sustaining process of unclear fission

9. It is agreed that, regardless of any contributory cause(s), this insurance does not cover any claim(s) in any way caused or contributed to by an act of terrorism involving the use or release or the threat thereof of any nuclear weapon or device or chemical or biological agent.

For the purpose of this Exclusion an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public,in fear.

Part IV - GENERAL CONDITIONS1. Observance of Policy Terms

The liability of the Company shall be conditional on the Insured/Insured Person observing the terms of this Policy

2. InterpretationThis Policy and the Schedule shall be read together and any word or expressionto which a specific meaning has been attached in any part of the Policy or of theSchedule shall bear such meaning wherever it may appear

3. Change of Name Residence Occupation or HealthThe Insured Person shall give notice immediately to the Company of any changein his name residence business or occupation and of any sickness or disease orphysical or mental defect or infirmity affecting himself of which he has or shouldhave become aware

4. Insured is the Absolute OwnerThe Company shall be entitled to treat the Insured as the absolute owner of the Policy and shall not be bound to recognise any equitable or other claim to or interest in the Policy

5. Claims Procedure and RequirementsIn the event of an occurrence giving rise to or likely to give rise to a claim under this Policy:

i) the Insured or his legal personal representatives shall give written notice to the Company as soon as reasonably possible and shall provide without expense to the Company all certificates reports evidence information or assistance that the Company may reasonably require

ii) the Insured Person shall act upon medical or surgical advice as soon as practicable and submit to medical examination at the Company’s expense as often as they require

iii) reasonable notice shall be given to the Company before interment cremation or the holding of any inquest enquiry or proceedings concerning the Death of the Insured Person

6. Discharge of liabilityAny receipt or discharge which the Insured or his legal personal representatives may give to the Company for any benefit or compensation under this Policy shall be deemed a final and complete discharge of all liability of the Company in respect of all Bodily Injury resulting to the Insured Person in consequence of the accident whether resulting before or after the date of such receipt or discharge

7. Policy cancellationThe Insured may cancel this Policy by giving the Company written instructions, the Insured will then receive a refund premium based on a customary short term premium subject to minimum gross premium of this Policy of HK$500. The Company may cancel the Insured’s Policy by writing to the Insured’s last known address confirming that all cover will cease seven days after the date of the letter, the Insured will then receive a refund premium on a pro-rata basis.

8. Insurers not obliged to renewThere shall be no obligation on the Company to accept any renewal nor to give notice that renewal of the Policy is due nor shall the cover be continued after the year of insurance in which the Insured Person attains the age of 65 years

9. ArbitrationAll differences arising out of this Policy shall be determined by Arbitration in accordance with the prevailing Arbitration Ordinance. If the parties fail to agree upon the choice of Arbitrators or Umpires then the choice shall be referred to the Chairman for the time being of the Hong Kong International Arbitration Centre. It is hereby expressly stipulated that it shall be a condition precedent to any right of action or suit upon this Policy that an arbitration award shall be first obtained

10. Sanction ClauseThe Insurer shall not be deemed to provide cover nor be liable to pay any claim or provide any benefit under this policy to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the Insurer to any sanction, prohibition or restriction under United Nations resolutions, or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

ADDITIONAL CLAUSES AND WARRANTIES

Memorandum IThe Insurance under the DEATH item of this Policy is effected under Section 13 of the Married Persons Status Ordinance Cap. 182 of Hong Kong for the absolute benefit of the beneficiary as stated in the Schedule.

Memorandum 2Notwithstanding anything contained in the within Policy to the contrary, it is hereby

Disablement & Major Burns

The loss or permanent loss of use of oneor more Limbs

The total and irrecoverable loss of sight in oneor both eyes

Permanent total deafness in both ears

Permanent loss of speech and hearing

Permanent total deafness in one ear

Permanent loss of speech

The loss or permanent loss of use of:

Four fingers and thumb ofa. right handb. left hand

Four fingers ofa. right handb. left hand

One thumba. both right jointsb. one right jointc. both left jointsd. one left joint

Fingersa. three right jointsb. two right jointsc. one right jointd. three left jointse. two left jointsf. one left joint

Toesa. all-one footb. great-both jointsc. great-one joint

Shortening of leg by at least 5cm

Major Burns

Percentage of the sum payable under Item 2

100%

100%

100%

100%

20%

50%

70%50%

40%30%

25%10%20%5%

15%10%5%10%7%3%

13%5%3%

10%

25%

declared and agreed that at the request of the Insured any compensation payable under the within Policy in respect of the Death of the Insured Person shall be for the express benefit of the beneficiary as stated in the Schedule.

It is further declared and agreed that the form of receipt signed by the Insured’s legal personal representatives shall be given and accepted as a full and sufficient Discharge to the Company in respect of any such payment made.

Subject otherwise to the terms, conditions, limitaitons and exceptions of the within

If the Insured Person is left-handed the percentage for the various disabilities ofthe right hand shall be transposed






































3 | Personal Accident Insurance Policy





















































Subject otherwise to the terms, conditions, limitaitons and exceptions of the within
































11. Rights of Third Parties Clause Save for any person or entity expressly conferred a benefit under this policy, no person or entity who is not a party to this policy has any right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623 of the Laws of Hong Kong) to enforce any obligation or to receive any benefit or remedy under this policy. The consent of any third party is not required for any variation (including any release or compromise of any liability under) or termination of this policy.



























































































Subject otherwise to the terms, conditions, limitaitons and exceptions of the within policy.

Notice of Personal Information Collection

Any person from whom the company has collected personal information shall have the right to enquire the purpose of using the information, the right of access to and the right to request correction of the personal information concerning themselves. Such request can be made to the Compliance Officer ofthe company via, mail to 22/F One Island East, Taikoo Place, 18 Westlands Road, Quarry Bay, Hong Kong or fax to +852 2968 5111, or email to [email protected]

Making a Claim

Should you wish to make a claim, you are highly recommended to follow the below advice for speedy settlement.

I. In case of any claim. call our Claims Hotline at +852 2968 3221 during our office hours as soon as possible.

2. Obtain a claim form from us without delay. Complete and return it together with your invoices/receipts.

3. If medical attention is received for bodily injury, you should. if possible,obtain receipts for all payments made plus a 'Medical Certificate' showing the nature of the injury.

PERSONAL INFORMATION COLLECTION STATEMENT

Purpose of CollectionAllied World Assurance Company, Ltd (“Allied World”) may collect and use your personal data to enable it to carry on its insurance business and to serve the purposes of: • Processing your insurance application; • Arranging a contract of insurance with you and administering the policy issued; • Claims handling, investigation and analysis; • Designing products and/or services for customers; • Promoting, improving and furthering the provision of products and/or services by Allied World and its group companies; and • Complying with any legal or regulatory requirements applicable to Allied World.In general it is voluntary for you to provide Allied World with your personal data. However, if you do not provide sufficient information, Allied World may not be able to provide insurance services to you.

TransfereeData held by Allied World relating to you will be kept confidential but Allied World may, for the purposes set out above, transfer your personal data to: • Allied World’s group companies; • Reinsurers; • intermediaries including insurance brokers and insurance agents; • claims investigators, loss adjusters and other professional advisors; • Allied World's other appointed service providers, including for the following services: telecommunications, information technology, administration, data processing, payment processing, emergency assistance, legal, and medical; • any insurance industry association or federation and their respective members; and • any other person necessary to comply with applicable legal or regulatory requirements, or orders of competent authorities, in each case both within and outside of the Hong Kong Special Administrative Region.

Marketing and PromotionTreating you as a valued customer, Allied World and its group companies may use the personal data, including name and contact details, collected from you for the purposes of direct marketing of Allied World and its group companies’ general insurance products, services or offers and for sending you the promotional materials or updates of such products, services or offers when they become available.

Allied World may not use your personal data for direct marketing if you have indicated objection to such use by ticking the box next to the statement above the proposer’s signature block in the proposal form.You may also, at any time, request Allied World to cease the use of your personal data for direct marketing purposes, by informing Allied World’s Compliance Officer at the contacts set out below.

Access Requests and CorrectionsYou have the right to obtain access to and to request correction of any personal information concerning yourself held by Allied World. Requests can be made to the Compliance Officer of Allied World Assurance Company, Ltd by mail to 22/F One Island East, Taikoo Place, 18 Westlands Road, Quarry Bay, Hong Kong or fax to +852 2968 5111, or email to [email protected].


個人資料收集聲明

資料收集目的

Allied World Assurance Company, Ltd 世聯保險有限公司(「本公司」)可能收集並使用閣下的個人資料，作為營運其保險業務及下列目的之用：• 處理閣下的保險申請；• 安排保險合約及管理已發出的保單；• 索償處理、調查及分析；• 為客戶設計產品或服務；• 推廣、改善及進一步提供本公司及其集團公司的產品、服務；及• 遵守適用於本公司的法律或規則要求。一般而言，閣下向本公司提供個人資料屬自願性質。如閣下未能給予足夠的資料，本公司可能無法提供所需保險服務。

資料轉移

本公司持有的客戶資料將予保密，但本公司可能會把閣下的個人資料提供給下列各方作上述用途：• 本公司的集團公司；• 再保險公司；• 中介人包括保險代理人及保險經紀；• 索償調查者、公證行及其他專業顧問；• 本公司其他指定服務提供者，提供包括以下服務：電訊、資訊科技、行政、數據處理、付款處理、緊急援助、法律及醫療；• 任何保險業組織或聯會及其成員；及• 任何必要人士以符合任何相關的法律或規則要求，或監管機構之命令，以上各項適用於香港特別行政區境內及境外。

市場推廣

貴為本公司的重要客戶，本公司及其集團公司可能會透過閣下所提供的個人資料如姓名及聯絡方法，向閣下推廣本公司及其集團公司的一般保險產品、服務或優惠，及為閣下提供該等產品、服務或優惠的市場推廣資料和最新消息。

如閣下已於投保書勾選位於投保人簽署上方的空格表示不願接收任何市場推廣資料和最新消息，本公司將不會使用閣下的個人資料作直接推廣用途。閣下亦可隨時要求本公司停止使用閣下的個人資料作直接推廣用途。屆時請按照下述聯絡方式通知本公司的條例事務主任。

資料查閱要求及更改

閣下有權要求查閱及更改本公司所持有的任何有關您之個人資料。有關申請可循下列途徑向本公司之條例事務主任提出：郵寄至香港鰂魚涌太古坊華蘭路18號港島東中心22樓，或傳真至+852 2968 5111，或電郵至[email protected]

Underwritten by 承保公司：Allied World Assurance Company, Ltd 世聯保險有限公司 (Incorporated in Bermuda with limited liability) SP-PA0116PJ


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