TRAVEL PRO

Number of employees

• The company must have a minimum of 5 full-time employees who are Hong Kong residents and expatriates stationed in Hong Kong with HKID Cards

Age of employees

• Full-time employees: age 69 or below
  

The plan does not include cover for the occupation which is not classified in any of the above classes.

1. You need to pay the premium for this plan upon renewal every year.
2. The decision of issuing policies is based on the occupation of the insured member. Please notify us of any change of occupation after the policy is effective.
3. The insured member will lose the cover when one of the following happens:
   • the insured member passes away;
   • the insured member terminates employment or retires;
   • the insured member suffers accidental death, disablement or permanent total disability in an accident;
   • The occupation of the insured member changes to the occupation which is not included in the insured occupational classes. For the latest list of the insured occupational classes, please refer to the section of “Insured occupational classification”; or
   • the insured member relocates out of Hong Kong.
4. We will terminate your policy and all the insured members will lose their cover when one of the following happens:
   • you do not pay the premium within 31 days of the premium due date;
   • the number of insured full-time employees falls below 5; or
   • the company provides incorrect information or is unable to disclose important information regarding the insured members.
5. We reserve the right to terminate your policy and all the insured members will lose their cover when the company transfers to operate out of Hong Kong.
6. Cover renewal is based on the continuing availability of the plan to all existing policies.
7. We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, the insured members may lose their cover and you may lose the remaining premium and levy for that policy year.
8. Your current planned benefit may not be sufficient to meet the future needs of the insured members since the future cost of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, the insured members may receive less in real terms even if we meet all of our contractual obligations.

Under this plan, we will not cover conditions that result from any of the following events:

All benefits exclusions (except compassionate death benefit)

• Loss sustained in Hong Kong, except for personal accident, continuation of medical attention within 90 days after returning to Hong Kong, journey cancellation and compassionate death benefit.
• Any illegal or unlawful act by the insured member or confiscation, detention, destruction by customs or other authorities.
• 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; hitchhiking.
• War or service in armed forces; illegal acts; detention by authorities; strike or industrial actions; terrorist activities.
• Travelling against the medical advice of a doctor.

Additional medical benefits and emergency assistance services exclusions

• emergency medical evacuation and repatriation of remains from Macau.
• Any pre-existing conditions before the insured member’s effective date of cover or policy effective date; any congenital or hereditary conditions.
• Any treatment not provided by a qualified doctor in western medicine.
• Medical treatment received during an insured journey which was made for the purpose of receiving such treatment.
• Pregnancy or childbirth.

Additional travel inconvenience benefits exclusions

• Pre-existing condition.
• Late arrival at the airport or port.
• No written confirmation from the public common carriers or handling agents concerning the duration or reasons of delay.

Additional loss of baggage and personal effects benefits exclusions

• Losses not reported to the police within 48 hours.
• Loss or damage of baggage, personal belongings, travel documents or personal money outside of a hotel or public common carrier except for theft.
• 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.

Additional purchase protection exclusions

• Automobiles, boats and airplanes.
• Permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tile, air conditioners, refrigerators, or heaters.
• Traveler’s cheques, cash, tickets of any kind, precious coins or stamps, plants, animals, consumables.
• Art, antiques and collectable items.
• Furs, jewellery, gems, precious stones and/or precious metal.
• Items for resale, professional, or commercial use.
• Items the insured member has rented or leased.

Additional personal liability benefit exclusions

• Employer liability, contractual liability or liability to an insured member’s family.
• Liability arising out of the use of vehicles, aircraft, or water craft.

Additional home protection exclusions

• Losses that occurred after 90 days from the date of commencement of an insured journey.

Additional compassionate death benefit exclusions

• Suicide, attempted suicide or self-inflicted injury while sane or insane.
• AIDS, HIV (Human Immunodeficiency Virus) Infections and AIDS related infections.
• Pre-existing condition.

Additional personal accident benefit exclusions

• Suicide, attempted suicide or self-inflicted injury while sane or insane.
• War, revolution or terrorist activities reasonably known before the date of commencement of an insured journey.
• Alcoholism or the use of drugs (except drugs are taken in accordance with treatment prescribed by a registered medical practitioner during an insured journey, but not for the treatment of drug addiction).

The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.

1. Premium Adjustment
   In order to provide you with continuous protection, we will annually review and adjust the premium of your plan accordingly at the end of policy year if necessary. During the review, we may consider factors including but not limited to the following:
   • claim costs incurred from all policies under this plan and the expected claim outgo in the coming year which reflects the impact of the possibility of accidental deaths and disablements / permanent total disabilities, medical trends and medical cost inflation (where applicable);
   • expenses directly related to the policy and indirect expenses allocated to this product.
   
   
2. Product Features Revision
   We reserve the right to revise the benefit structure, terms and conditions and/or product features, so as to keep pace with the times for medical advancement and to provide you with continuous protection.

We will give the policyholder a written notice of any revision before any policy anniversary or upon renewal.

1. Each insured journey must start from Hong Kong and the maximum period of cover for each journey is 90 consecutive days.
2. Concerning the personal accident benefits, 25% of the policy’s total sum assured is the maximum indemnity payable for loss in respect of all insured members arising from any one accident.
3. Accidental death & disablement benefit and permanent total disability benefit
   
   • These benefits are only applicable for loss resulting from an insured journey within 180 days after an accident. The loss must be listed in the benefit schedule for the accidental death & disablement benefit or defined as a permanent total disability.
   • In the event that a series of losses shall arise out of the same accident, benefit shall only be paid for one of the losses, for which the amount of benefit payable shall be the greatest amount of benefit as shown in the benefit schedule for the accidental death & disablement benefit.
4. We only cover the charges of the insured member on usual, reasonable and customary basis.
   “Usual, reasonable and customary” means:
   • the medical services, diagnosis and / or treatments are medically necessary and delivered according to standards of good medical practice;
   • the costs of the medical services and the duration of the hospital stay are not more expensive or longer than the usual level of charges or duration for similar treatment in the locality of such services delivered; and
   • does not include charges that would not have been made if no insurance existed.
   “Medically necessary expenses” means that the expenses incurred from medical services and supplies are:：
   • a result of bodily injury or sudden and unexpected sickness; and
   • prescribed by a registered doctor.
   
   Experimental, screening, and preventive services or supplies are not considered medically necessary. We may adjust any and all benefits payable in relation to any hospital / medical charges which is not a usual, reasonable and customary charge.
   

If any of the insured members wishes to make a claim, he/she must send us the appropriate form and relevant proof within 30 days of the covered event happening. The appropriate claim form can be downloaded from our website: aia.com.hk or obtained from the financial planner.

You have the right to cancel the policy by giving no less than 30 days’ prior written notice to us, however this will result in the insured member losing his cover and you losing the remaining premium and levy for that policy year. We also reserve the right to cancel the policy upon the policy renewal by giving you no less than 30 days’ prior written notice.