Summary of Cover

Section 1: 24-Hour Worldwide Assistance Services	Silver (HK$)	Gold (HK$)
a) Medical Referral Services	Unlimited	Unlimited
b) Dispatch of Physician	Unlimited	Unlimited
c) Assistance for Hospital Admission	Unlimited	Unlimited
d) Monitoring of Medical Condition	Unlimited	Unlimited
e) Medical Transfer	Unlimited	Unlimited
f) Repatriation after Treatment	Unlimited	Unlimited
g) Repatriation of Mortal Remains	Unlimited	Unlimited
h) Travel Assistance	Unlimited	Unlimited
i) Compassionate Visit	Unlimited	Unlimited

Section 2: Personal Accident	Silver (HK$)	Gold (HK$)
Death and Permanent Disablement* (includes 2nd or 3rd degree burn injury)	500,000	1,000,000
Whilst in common carrier**	500,000	1,000,000
Immediate cash relief in the event of death due to accident or illness	30,000	60,000

Section 3: Medical Expenses	Silver (HK$)	Gold (HK$)
Medical Expenses	500,000	1,000,000
Follow-up medical treatment within 3 months	50,000	50,000
Dental treatment	1,000	1,000
Translator fee (in-hospital)	6,000 or 500/day	12,000 or 500/day

Section 4: Personal Belongings	Silver (HK$)	Gold (HK$)
a) Baggage/Personal Effects	12,500	25,000
b) Baggage Delay	1,000	2,000
c) Personal Money	1,500	3,000
d) Loss of Personal and Travel Documents	15,000	30,000

Section 5: Travel Disturbances	Silver (HK$)	Gold (HK$)
a) Trip Cancellation	15,000	30,000
b) Trip Curtailment	20,000	40,000
c) Trip Delay	10,000	10,000
d) Missed Connection	2,500	5,000
e) Failure of e-ticket	3,000	5,000

Section 6: Personal Liability	Silver (HK$)	Gold (HK$)
Indemnifies you in respect of legal liability for accidental injury to third parties or accidental loss of or damage to their property	2,000,000	2,000,000

Section 7: Loss of Home Contents	100,000	200,000
Section 8: Golfers' Hole-in-one	3,000 1,000/occurrence	3,000 1,000/occurrence
Section 9: Hijack distress allowance	5,000 1,000/24hrs	10,000 2,000/24hrs

* Maximum death benefit for children under age 16 and elderly over 70 should not exceed 25% of the respectively stated limits

** Not applicable to children under 16 and elderly over 70