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D. 439 Group travel Benefit table _Intranet_ Eng_2011

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D. 439 Group travel Benefit table _Intranet_ Eng_2011 Powered By Docstoc
					HONG KONG BAPTIST UNIVERSITY
INSURANCE FOR OVERSEAS TRIPS FOR SHORT TERM / VISITING STAFF & INCOMING STUDENT ONLY

NOTES: (1)          For any inquiries, please call Finance Office of Hong Kong Baptist University at 3411 7683.
       (2)          This is for information only. All terms, conditions are subject to ORIGINAL of Group Travel Insurance Policy No.
                    TTT0000439ZC.

GENEARL INFORMATION
Policyholder:                       Hong Kong Baptist University (HKBU)
Policy No.:                         TTT0000439ZC
Insurer:                            Zurich Insurance Company Limited
Commencement of Trip                Between 1 July 2011 to 30 June 2012 (inclusive)
Insured Person:                     Visiting Staff or Students Only
Stationed Loc ation (Other          A country, province, or city where the Insured Person resides for periods in excess of 180 days during any 12 months
than Hong Kong):                    period or the home country of the Insured Person.
Area of Travel:                     Hong Kong Only
Insured Journey & Duration          Business trip means any trip authorized by the Policyholder. Duration of cover is up to 365 days from the
of Cover:                           Commencement of Cover and shall continue until the Termination of Cover. Personal trips during &/or immediatel y
                                    before &/or after Busines s Trip are included.
                                    Commencement of Cover:        W hen the Insured Person leaves his/her place of residence or regular employment in the
                                                                  Stationed Location to commence the trip directl y to the immigration counter or whining 3
                                                                  hours before the schedule departure time of the public common carrier whichever last
                                                                  occurs.
                                    Termination of Cover:         W hen the Insured Person returns to his/her place of residence or regular employment in the
                                                                  Stationed Location or within 3 hours after the scheduled arrival time of the public co mmon
                                                                  carrier which first occur


BENEFITS TABLE
Benefits                      Coverage                                                                                                      Maximum Amount
                                                                                                                                                         (HK$)
1.    Personal Accident       Death or permanent disablement occurred within 12 months after a bodily injury sustained by the                 Plan I: $100,000
                              Insured Person caused by a sudden, unforeseen and unexpected event during the insured journey                  Plan II: $500,000
2.    Emergenc y                Emergenc y Medical Evacuation or Repatriation                                                                     Actual Cost
      Assistance                Repatriation of Remain
                                24-hour Telephone hotline and referral services
3.    Medical Expenses        Reimbursement of actual m edically necessary expenses incurred within 12 months after sustaining                        $25,000
      (Accident &             an injury or illness paid to a legally qualified medical practitioner of western medicine to render
      Sickness)               medical AND surgical services. Medical expense for dental treatment for injury to sound natural
                              teeth is included.
                              It also covers:
                               Qualified non-western medicine physician in Hong Kong for $150 per visit per day & $2,000 in
                                  aggregate
                               Chinese bone-setting &/or acupuncture in Hong Kong for $2,000 per accident & $4,000 in
                                  aggregate
4.    Baggage and             Covers the accidental loss of or damage to baggage or personal belongings including sports                                $5,000
      Personal Effect         equipment and lap-top computer during the insured journey.
                              Cover for loss of mobile phone due to rob bery, burglary or theft occurring during the insured journey
                                    $3,000 for any one article, set or collection of baggage &/or personal belongings
                                    $5,000 for lap-top computer (PDA & HHC are not included); sports equipment (per set / pair )
                              Subject to an excess of $200 each and every loss & cover upto 185 days from the Commencement
                              of Cover
5.    Loss of Money           Covers any accidental loss of cash, cheques &/or traveller’s cheques belonging to or being carried                        $3,000
                              by the Insured Person or in a lock ed hotel or hostel room or residential accommodation due to
                              robbery, burglary or theft during the insured journey
                              Subject to an excess of $200 each and every loss & cover upto 185 days from the Commencement
                              of Cover
6.    Loss of Travel          Covers the replacement cost for Hong Kong Identity Card, credit card, driving license, travel tickets,                    $2,000
      Documents               passports resulted from accidental loss
                              Subject to an excess of $200 each and every loss & cover upto 185 days from the Commencement
                              of Cover
7.    Travel Delay            If your public common carrier is delayed due to strike or other industrial action, riot, civil commotion,          $250 for each
                              hijack, terrorism, adverse weather conditions or the mechanical &/or electrical breakdown of the                     6 hours and
                              public common carrier , inclusive of Benefit 8 – Re-routing                                                  $1,000 in aggregate
8.    Re-routing (due to      In the event of scheduled public common carrier being cancelled as a result of delay for at least 6                       $1,000
      travel delay)           hours due to strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse
                              weather conditions or the mechanical &/or electrical breakdown of the public common carrier , the
                              irrecoverable additional charges for alternative public transport to the original destination will be
                              reimbursed to you; inclusive of Benefit 7 – Travel Delay.
9.    Baggage Delay           Covers the cost of emergenc y purchases of essential clothing or toiletries for delay over 6 hours                       $1,000
10.   2 n d or 3 r d Degree   In the event of burn due to accident which a sudden, unforeseen and unexpected event during the                        $100,000
      Burns Benefit           insured journey

ZURICH EMERGENCY ASSISTANCE SERVICES: What To Do When The Insured Person Needs Help
In an emergency circumstance for accident or sickness whilst overseas , call to Zurich Emergency Assistance Hotline on Hong Kong (852) 2886 3977
and QUOTE the (1) Polic yholder’s Name (I.e. Hong Kong Baptist University), (2) Insured Person’s name (i.e. your name) and (3) Policy Number as
shown above. An experienced assistance coordinator will deal with enquiry and give advice on wha t to do next.

Zurich Emergency Assistance Services provide the following benefits in the event of the Insured Person having suffered from serious injury or illness
whilst outside Hong Kong, details of coverage subject to original Policy wording of Zurich Insurance Company Limited

1.    Hospital Admission Guarantee                                                  2.   Evacuation or Repatriation
      Guarantee admission to a hospital with expenses incurred by the                    The actual cost of transportation, medical services and medical
      Insured Person up to a limit of $39,000. Such expenses are to be                   supplies necessarily and unavoidabl y incurred as a result of an
      borne by the Insured Person when discharge from hospital and to be                 emergency medical evacuation or repatr iation of the Insured Person.
      reimbursed by insurance company with medical expense cover.




                                                                                                                                                    Page 1 of 3
HONG KONG BAPTIST UNIVERSITY
INSURANCE FOR OVERSEAS TRIPS FOR SHORT TERM / VISITING STAFF & INCOMING STUDENT ONLY

3.   Repatriation of Mortal Remains                                           5.   Additional Travel and Accommodation Expenses
     The reasonable and unavoidable expenses for transporting the                  The additional cost for hotel accommodation expenses necessaril y
     mortal remains of the Insured Person from the place of death to Hong          and unavoidably incurred by the Insured Person related to an
     Kong or the cost of local burial at the place of death as appr oved by        incident requiring Emergenc y Evacuation to resume the course of the
     Zurich Emergency Assistance.                                                  Insured Person’s insured journey or to return to Hong Kong subject to
                                                                                   prior approval from the Emergency Service and up to the coverage
4.   Compassionate Visit                                                           limit.
     One economy class return airfare for a relative or a friend of an
     Insured Person if he/she suffers serious bodil y injury or serious       6.     Unattended Dependent
     illness and being confined to a hospital as in -patient for over 3              An economy class ticket to unattended dependent for returning to
     consecutive days outside Hong Kong                                              Hong Kong if child age under 17 or elderly age over 75.



Zurich Emergency Assistance Services also provide 24 hours free telephone hotline and referral services including:

1.    Pre-trip Information Assistance                  5.   Lost Passport Assistance                     10.   Monitoring Medical Condition during
2.    Embassy Referral                                 6.   Lost Luggage                                       Hospitalization
3.    Medical Service Provider Referral                7.   Interpreter Referral                         11.   Arrangement for Medical Expenses
4.    Arrangement of Appointments with Doctors         8.   Legal Referral                                     Guarantee
      and Specialists                                  9.   Telephone Medical Advice

Important: If any required services or services incurred to the Insured Person are not within Policy coverage, the Insured Person shall
reimburse all expenses incurred to Zurich Emergency Services after returning to Hong Kong .

Zurich Emergency Assistance Service is arranged and provided by INTER PARTNER ASSISTACNE HONG KONG LTD.

SOME EXCLUSIONS OF RESPECTIVE SECTION OF BENEFIT
1.    Medical Expenses                                                             4.   Travel Document
      1)     non essential treatment as determined by insurer;
      2)     any travel contrary to the advice of a medical practitioner or             1)   any loss not reported to the local police, airline or other
             for the purpose of receiving medical or surgical treatment;                     carrier, hotel, or public authority or within 24 hours of
      3)     dental care and treatment, cosmetic surgery, refractive                         discovery
             errors of eyes or hearing-aids, and prescriptions therefor                 2)   any fines or penalties incurred due to non -replacement or
             [except as necessitated by accidental injury occurred during                    late replacement of the documents by an Insured Person
             the insured journey ]                                                      3)   loss of any travel document &/or visa which is not needed to
      4)     charges in respect of special or private nursing except in the                  complete the insured journey
             event of medical evacuation provided under Emergency
             Assistance.                                                           5.   Travel Delay
      5)     surgery or medical treatment which:
          i.    is not substantiated by a written report from the qualified             1)   any delay due to strike or other industrial action existing or
                medical practitioner                                                         announced before the date the receipt is issued by the travel
         ii.    can be reasonabl y delayed until the Insured Person                          agent or public common carrier for the confirmation of travel
                returns to Hong Kong in the opinion of the qualified                         ticket;
                medical practitioner treating the Insured Person                        2)   any loss for which the Insured Person fails to obtain written
                                                                                             confirmation from the public common carrier on the number
2.    Baggage & Personal Effects                                                             of hours of the reason of such delay;
      1) any loss not reported to the local police, airline or other                    3)   any delay due to late arrival of the Insured Person at the
         carrier, hotel, or public auth ority or within 24 hours of                          airport or port after check -in or booking-in-time except for
         discovery                                                                           the late arrival due to strike or industrial action by the
      2) loss of or damage to any plastic money (including credit                            employees of the public common carrier )
         value of credit card, Octopus cards, etc), jewellery or                        4)   any loss in relation of cancellations or alternations to
         accessories, bonds, negotiable instrument, tickets (except                          schedules that is not verified by the airline, travel agency or
         travel ticket), coupon or securities, foodstuf f or drink,                          other relevant organizations
         animals, motor vehicle including accessories), motorcycle,                     5)   The Insured Person cannot claim under Travel Delay and
         boats, motors, household furniture and antique;                                     Re-routing for the same incident
      3) any loss of damage caused by wear & tear or gradual
         deterioration, insect, vermin, corrosion, rot, mildew, fungus.            6.   Re-routing
         atmospheric conditions , the action of light, any process of
         heating, drying, cleaning, dyeing, alteration or repair,                       1)   any circumstance covered by ot her insurance schemes,
         scratching, denting, breakdown, misuse, faulty workmanship                          government program or travel agent or tour operator
         or design, the use of faulty materials                                         2)   The Insured Person cannot claim under Travel Delay and
      4) any loss or damage to brittle or fragile items;                                     Re-routing for the same incident
      5) any loss of property when it is left unattended in public place,               3)   Others as per Travel Delay
         in unlocked or unattended vehicle, or as a result of Insured
         Person’s failure to take due care and precautions for the                 7.   Baggage Delay
         safeguard and security of such property; any explained loss
         or mysterious disappearance;                                                   1)     any baggage not being on the same public common ca rrier of
      6) any loss or damage due to confiscation or detention by                                the Insured Person or souvenirs and articles mailed or
         Customs or Government Officials                                                       shipped separatel y;
      7) The Insured Person cannot claim under this section and loss                    2)     any loss for which the Insured Person fails:
         of Baggage Delay for the same incident.                                            i.    to submit receipts for the purchase of emergency items or
                                                                                                  requisite
3.    Personal Money                                                                       ii.    to obtain written confirmation from the public common
                                                                                                  carrier on the number of hours and the reason for such
      1)   any loss not reported to the local police, airline or other                            delay
           carrier, hotel, or public authority within 24 hours of discovery             3)     any loss claim under Baggage and Personal Effects arising
           or immediatel y reported to local branch or agent of traveller                      from the same cause
           cheques issuing authority.
      2)   shortage due to error, omission exchange or depreciation in
           value
      3)   any loss of plastic money (including credit value of credit
           card, Octopus cards, etc.)




                                                                                                                                                 Page 2 of 3
HONG KONG BAPTIST UNIVERSITY
INSURANCE FOR OVERSEAS TRIPS FOR SHORT TERM / VISITING STAFF & INCOMING STUDENT ONLY

GENERAL EXCLUSIONS APPLICABLE TO THE ALL SECTIONS OF BENEFITS
1)    Any PRC national who does not possess a HKID card for any claim              7)  riding or driving of any kind of motor racing, or engaging in a
      incurred within the territory of Mainland China.                                 professional sport or where the Insured Person would or could earn
2)    W ar, invasion, act of foreign enemy, hostilities (whether war be                income or remuneration from engaging in such sport;
      declared or not), civil war, rebellion, revolution, insurrection or          8)  consequential loss of any kind ; suicide or self-inflicted injury;
      military power or direct participation in strike, riot or civil com motion       insanity, mental disorder, under the influence of drink or drug
3)    any act of terrorism regardless of any other cause or event                      (except prescribed by a qualified medical practitioners), alcoholism,
      contributing concurrentl y or in any other sequence to the loss; any             drug addition or solvent base; p regnancy, childbirth or miscarriage,
      action in controlling, preventing, suppressing, retaliating against to           venereal disease; AIDS, HIV or related disease
      any such act of terrorism                                                    9)  any home leave while the Insured Person is confined to a hospital as
4)    Illegal or unlawful act by the Insured Person, or confiscation,                  an in-patient
      detention, destruction by customs or other authorities.                      10) air travel other than as a passenger on a regular scheduled airline or
5)    Insured Person not taking all reasonable efforts to safeguard his                licensed chartered aircraft
      property / money, or to avoid injury to minimize any claim under this        11) involving in any dangerous assignment projects or occupations in a
      policy                                                                           manual nature; engaging in offshore activities like commercial diving,
6)    Any pre-existing conditions, congenital and heredity condition .                 oil rigging, mining, aerial photography, handing of explosive,
      Pre-existing condition means a condition for which the Insured                   hitchhiking, being a site worker, fisherman, cook or kitchen worker,
      Person received medical treatment, diagnosis, consultation, or                   tour guide or escort, naval, military or air -force service or operation
      prescribed drug or advice or treatment was recommended by a                      or armed force services
      physician whether presented signs or s ymptoms of which the Insured          12) any loss that can be compensated from any other sources (e.g.
      Person was aware or should reasonably have been aware within 12                  insurance scheme, government programme, travel agent, public
      consecutive months immediately prior to the first day of joining this            common carrier etc.) except for Personal Accident, Travel Delay and
      insurance, unless the Insured Person has joined this insurance for               Baggage Delay
      12 consecutive months

CLAIM PROCEDURE
The claimant must submit the Travel Insurance Claim Form &/or Supporting Documents (if available) to Finance Office of HKBU WITHIN 30 days after
the incident causing the loss

1)    TRAVEL INSURANCE CLAIM FORM : with detailed description of date, time, plac e, accident & nature of claim
2)    PROOF OF TRIP:
      a)      BU’s written confirmation of he nature & period of trip (if trip was arranged by HKBU), and/or
      b)      Boarding pass, common carrier ticket., passport stamp (proof of period of trip)
3)    SUPPORTING DOCUMENTS (whichever is appropriate)

      A.      Personal Accident Cover                                                     D.    Loss of Money
                 Original Certificate or Medical Report issued by a                               Original &/or copy of Police Report, Notification to travel
                  medical practitioner certifying the degree or severity of                         agent, hotel, public authorit y, public common carrier,
                  disability                                                                        and their written official acknowledgement (must be
                 Original Police report, where relevant                                            made within 24 hours of the discovery)
                 Copy of Death Certificate for death                                              Copy of notification to the issuing authority in respect of
                 Copy of Coroner report for death                                                  loss of traveller’s cheques (which must be made within
                 (in the event of a disappearance) presumption of death                            24 hours of the occurrence)
                  as proclaimed by a court                                                         Copy of bank documents (such as bank statement,
                                                                                                    withdrawal slips, etc) showing the cash withdrawal
      B.      Medical Expenses                                                                      records before the trip
                 Original medical report / certificate with DIAGNONSIS
                  and treatment received certified by a medical                           E.    Loss of Travel Documents
                  practitioner                                                                     Original &/or copy of Police Report, Notification to travel
                 Original medical bills and recei pts itemized medical                             agent, hotel, public authorit y, public common carrier,
                  expenses incurred issued by authorized clinic or                                  and their written official acknowledgement (must be
                  hospital                                                                          made within 24 hours of the discovery)
                                                                                                   Copy of notification to public authority or airline / carrier
      C.      Baggage and Personal Effects                                                          and their official acknowledgment in writing when loss
                 Original &/or copy of Police Report, Notification to travel                       or damage
                  agent, hotel, public authority, public common carrier,                           Original receipt of replacement fee for travel docu ment
                  and their written official acknowledgement (must be
                  made within 24 hours of the discovery)                                  F.    Travel Delay / Re-routing
                 Original Purchase Invoices or Receipts, including date                           Original Official documentation from the airline or
                  of purchase, price, model and type of items lost or                               common carrier including date, times, length and reason
                  damaged                                                                           of the delay
                 Copy of notification to airline/carrier and their official                       Copy of Ticket / boarding pass for original itinerary and
                  acknowledgment in writing when loss or damage has                                 ticket for the alternative means of reaching the planned
                  occurred in transit                                                               destination
                 Photos showing the damaged items and retain the                                  Original of Receipt or official certifications of
                  damaged items for inspection                                                      compensation from other source (e.g. other insurance,
                                                                                                    government scheme etc.)

                                                                                          G.    Baggage Delay
                                                                                                   Official documentation from the airline or common
                                                                                                    carrier including date, times and durat ion of the delay
                                                                                                   Original Receipts of the emergency purchase items in
                                                                                                    the insured journey, including the description & price of
                                                                                                    the items purchase
     Notes:
     1.     The claimant must complete the claim form truthfully and accurately, and hand it to Finance Office of HKBU WITHIN 30 days after the incident
           causing the loss Insurance Company has its right to refuse any claim due to late notification.
     2.    The list of Documents Required is not exhaustive and the insurance company may request from you any additional informatio n/documentation as
           necessary. The submission of an incomplete form or insufficient information or supporting documents may delay the processing or result in the
           denial of your claim.
     3.    Except otherwise specified or waived, all required claim documents must be original. The claimant is fully responsible for providing the required
           documents and Insurance Company will not be liable for any cost incurred for obtaining these documents.
     4.    All claims must be verified & sent to Insurance Company by HKBU




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