1 只賠償以保障表列明的最高賠償額為限，並受一般不承保事項及條款約束
24 小時全球緊急支援服務，緊急醫療運送不設上限
「郵輪樂」特設多項獨有保障：如非自願性客艙隔離、
重新接駁郵輪之費用及取消岸上觀光津貼等保障
為損傷或疾病（包括新型冠狀病毒）而引致的醫療費用
提供保障；並涵蓋返港六個月內的覆診費用。另設
海外醫院求診交通費、海外住院現金等貼心保障項目
計劃特點
電子版小冊子
1
個人意外保障涵蓋18 項不同的永久傷殘或意外死亡
完善的行程延誤保障，包括行程延誤津貼、更改行程
費用、額外酒店費用、假期損失津貼及因行程延誤而
取消行程
保障一般旅遊熱門活動，包括冬季運動、水肺潛水、
滑水、急流漂筏、帆船運動、跳傘、笨豬跳、騎馬、
熱氣球等 1
保障 最高賠償額（港元）
紅色警示 黑色警示
(a)取消行程
賠償未使用及不獲退款的旅程費用，包括機票及／或住宿費 50%* 100%*
(b)縮短行程
賠償啟程後因外遊警示必須放棄行程返回香港而未使用及不獲退款的交通及／或住宿費，或所產生的額
外交通及／或住宿費 50%* 100%*
(c)退回行政費用及 / 或簽證費用
賠償因取消行程而由旅行社／公共交通工具機構／酒店所收取的行政費及／或簽證費 300 300
(d)非自願性滯留津貼
啟程後因黑色外遊警示而滯留行程目的地並未能如期返港，可獲現金津貼 不適用 每日 500
（最長十日）
更改或延遲保單承保日期（最長達 12 個月）
只於受保人未有索償保單內任何保障時適用
* 賠償以保障表列明的最高賠償額為限
免費「外遊警示」保障
此免費保障只適用於受保旅程於保單生效當日，目的地並未有被香港保安局發出紅色或黑色警示。
於出發前一星期內或出發後，旅程目的地被香港保安局發出紅色或黑色警示，受保人可享有以下保障：
「外遊樂」及「郵輪樂」旅遊保險計劃
出外旅遊最重要是安全及輕鬆享受假期，蘇黎世「外遊樂」及「郵輪樂」旅遊保險
計劃為您及同行家人與朋友提供全面出遊保障，無論是醫療費用、意外受傷治療費
用、行程延誤損失等，都一一涵蓋，計劃更不設自負額。其中「郵輪樂」旅遊計劃
專為郵輪旅程提供更完善保障，讓您在整個旅程盡享樂趣及保障。
TVB-WOT-003-06-2024C
保障表
2
節數／保障範圍
每名受保人每次受保旅程之最高賠償額（港元）
「外遊樂」旅遊計劃
「郵輪樂」旅遊計劃
全球旅遊計劃 短線旅遊計劃
（澳門及廣東省 *）
第一節 – 醫療保障
(a) 醫療費用 1,000,000^300,000^1,000,000^
－包括覆診費用限額 300,000 100,000 300,000
^75 歲以上的受保人享有最高賠償額的 50%
(b) 海外醫院求診之交通費用 800 300 1,000
(c) 海外住院現金津貼 10,000（每日 500）1,000（每日 200）10,000（每日 500）
(d) 強制隔離現金津貼 3,000（每日 300）500（每日 100）3,000（每日 300）
(e) 覆診住院現金津貼 不適用 不適用 3,000（每日 300）
第二節 – 蘇黎世緊急支援
(a) 入院保證金 78,000
(b) 緊急醫療運送及／或運返 不設上限
(c) 遺體運返 不設上限
(d) 住宿費用 7,800（每日 1,950）
(e) 24 小時電話熱線諮詢及轉介服務 適用
第三節 – 個人意外
(a) 乘坐公共交通工具之意外 1,000,000#400,000#1,000,000#
(b) 其他意外 500,000#200,000#500,000#
(c) 恐怖活動引致之意外額外保障 200,000#不適用 200,000#
#17 歲以下或 75 歲以上的受保人享有最高賠償額的 50%
第四節 – 緊急啟程費用保障
(a) 緊急啟程費用 30,000（包括兩張經濟客位旅行票及住宿費用）
(b) 交通津貼 500（每日 100）
(c) 子女護送 30,000（包括 1張經濟客位旅行票及住宿費用）
(d) 身故恩恤金 10,000 10,000 20,000
(e) 高山症引致之額外身故恩恤金
－75 歲或以下的受保人 50,000 不適用 不適用
－75 歲以上的受保人 25,000
第五節 – 個人行李保障
行李及個人財物 10,000 2,500 20,000
包括以下限額：
－ 每件、每對、每套或每組物品 3,000 2,500 3,000
－ 所有相機及數碼攝錄機及其有關配件及裝備 5,000 2,500 5,000
－ 所有衣物 5,000 2,500 5,000
－ 所有運動用品 5,000 2,500 5,000
－ 手提電話（每次受保旅程 1部） 1,000 不適用 1,000
第六節 – 個人現金、旅行證件及信用卡保障
(a) 個人現金 3,000 1,000 3,000
(b) 遺失旅行證件及／或旅行票及／或遺失之信用卡被盜用 10,000 1,500 12,000
第七節 – 行李延誤保障（超過 10 小時） 1,000 500 1,000
第八節 – 行程延誤保障
(a) 行程延誤（超過 6小時） 2,000（每 6小時 300）
不適用
2,000（每 6小時 300）
(b) 更改行程費用（超過 10 小時） 實際費用 實際費用
(c) 額外酒店費用（超過 6小時） 1,500 1,500
(d) 假期損失津貼（超過 24 小時） 1,000（每日 500） 不適用
(e) 因行程延誤而取消行程（超過 10 小時） 2,500 30,000
第九節 – 行程阻礙保障
(a) 取消行程 30,000 3,000 50,000
(b) 單人啟程 5,000 300 5,000
(c) 縮短行程 30,000 3,000 50,000
第十節 – 個人責任 1,000,000 500,000 1,000,000
TVB-WOT-003-06-2024C
保費表
保費（港元）
日數
「外遊樂」旅遊計劃 「郵輪樂」旅遊計劃
全球旅遊計劃 短線旅遊計劃(澳門及廣東省 )
成人 小童*成人 小童 *成人 小童*
1 162 112 76 66 368 278
2 182 132 86 76 398 308
3222 162 96 86 438 338
4292 212 116 96 588 458
5322 252 618 488
6 362 292 648 518
7412 312 718 578
8462 332 768 618
9 502 362 808 648
10 522 382 848 678
11 552 402 888 708
12 582 432 928 738
13 612 452 988 778
14 652 482 1038 808
15 692 502 1088 858
16 - 20 752 542 1208 958
21 - 25 842 592 1328 1038
26 - 30 962 682 1528 1108
以後每10 日260 180 700 520
*小童必須為 17 歲以下（以出發日期計）
* 包括由「旅行社」籌辦的廣東省旅行團，或廣東省加中國內地其他省份的旅行團。
第十一節 – 蘇黎世關懷您保障
(a) 非自願性滯留津貼 2,500（每日 500）不適用 2,500（每日 500）
(b) 租車自負額 3,000 3,000
第十二節 – 郵輪旅遊保障
(a) 郵輪沉沒或被海盜綁架引致之意外
- 失蹤額外賠償
不適用 不適用
1,200,000**
100,000
** 17 歲以下或 75 歲以上的受保人享有最高賠償額的 50%
(b) 非自願性客艙隔離 3,000（每日 500）
(c) 登上郵輪後之行李延誤額外津貼（超過 24 小時） 500
(d) 錯過郵輪之津貼 ( 超過 24 小時 ) 1,500（每日 500）
(e) 重新接駁郵輪之費用 5,000
(f) 取消岸上觀光津貼 4,000
（每個岸上觀光 800）
(g) 非自願性更改郵輪行程目的地之津貼及額外旅行證件費用 500
(h) 因緊急情況使用郵輪無線網絡費用 2,000
保障期
1. 受保旅程：「外遊樂」全球旅遊計劃的保險日數不可超過 180 天，單程旅遊最長期限不可超過七天 ; 「外遊樂」短線旅遊計劃不可超過四天 ;「郵輪樂」
旅遊計劃不可超過 60 天。
2. 取消行程：保險證書簽發日起或啟程前 90 日內生效（適用於「外遊樂」旅遊計劃）或 180 日內生效（適用於「郵輪樂」旅遊計劃），以較遲者為準。
3. 個人意外：在離港前或返港後三小時內。
4. 其他保障：在旅行社收據上所列明之行程出發日，受保人在香港辦理離境手續後起，直至受保人從外地返抵香港辦理入境手續，或旅行社收據上所列
明之行程終止日期為止，以較早者為準。
5. 若受保人於行程出發後因不能控制的事故以致未能於原定的日期返回香港，保障期可自動延長最多 10 天，不另收費。
3
TVB-WOT-003-06-2024C
蘇黎世保險有限公司（於瑞士註冊成立之有限公司）
香港港島東華蘭路18號港島東中心25-26樓
網址：www.zurich.com.hk
在此展示的商標於全球多個司法轄區以
蘇黎世保險有限公司的名義註冊。
關於蘇黎世保險
蘇黎世保險（香港）是蘇黎世保險集團轄下之機構，竭誠為個人、商業及企業客戶提供全面又靈活的一般保險及人壽保險服務，照顧他們在保險、保障
及投資上的需要。集團在香港的業務始於1961年，至今已於本港一般保險市場上成為五大保險公司之一1。請瀏覽www.zurich.com.hk了解有關蘇黎世保險
（香港）的更多資訊。
1 保險業監管局2022年1月至12月香港一般保險業務的年度統計數字，以毛保費計算。
重要事項
1. 每名受保人之保障及保費均以受保人於旅程出發當日之年齡為準。
2. 每名受保人的保障範圍及賠償限額是根據旅行社收據上所列明已選擇的計畫級別及已收取之保費為準。
3. 保險證書一經簽發，恕不退還任何保費。
4. 本保險並非一份全險保險，保障只限於保險證書和保單條款及細則列明的承保範圍。其他未有包括在承保範圍內及列明不承保的事項，皆不受保。
保險計劃承保人
蘇黎世保險有限公司為本保險計劃之承保人，全面負責一切保障及賠償事宜。
本材料中提及的保險產品由蘇黎世保險有限公司（「蘇黎世」）承保，並僅擬在香港特別行政區銷售。如根據該司法管轄區的法律，就任何保險產品或服
務進行要約或邀約屬違法行為，本材料不應被視為在該司法管轄區銷售任何保險產品或服務的要約或邀約。
此處提供的產品資訊僅供參考，並不構成保險合約的一部分。有關詳細產品特點及詳細的條款及細則，請參閱相關的產品冊子及保單條款。如有任何不同
之處，請以保單條款為準。蘇黎世保險保留對所有事項的最終批核和決定權。如中文譯本與英文有異，概以英文文本為準。
電子版保單條款及細則
一般不承保事項
1. 任何持有中華人民共和國護照及以此護照於受保旅程往返中國之受保人，除非受保人同時擁有由其他海外國家政府（不包括中國）所簽發的法定文件
證明為該地合法居民；
2. 於本保險生效日期前已發生或已宣佈的任何情況（只適用於第八節、第九節、第十一節 (a) 及第十二節 (d) - (g)）；
3. 任何投保前已存在的傷疾、先天及遺傳性疾病；
4. 受保旅程之目的為接受醫藥治療，或受保人在身體不適合旅遊的情況下旅遊，或受保人違反醫生勸喻出外旅遊；
5. 受保人任何違法或非法行為；
6. 以乘客或司機身份參與任何形式的賽車，比賽，又或參加職業體育活動或受保人可能或可以賺取收入或報酬的體育活動；
7. 自殺或蓄意自我傷害；神經錯亂、心智或精神不正常；任何受到酒精或藥物影響（除非由醫生處方）下的情況、酗酒、濫用藥物；
8. 任何與以下狀況有關包括其併發症：妊娠、分娩、性病、HIV（人類免疫力缺乏症病毒）；
9. 出任為任何空中乘載公具的機務人員或操作員；
10. 受保人進行或涉及任何空中活動，除非當時「受保人」(i) 是以付費乘客身份在持牌航空公司航機或包機上，或 (ii) 所參與之活動是由另一位已持牌帶
領有關活動的人士負責操縱或航行。而提供活動的舉辦者亦已獲當地有關當局授權；
11. 從事任何體力勞動性工作、從事離岸活動如商業潛水、油田鑽探、採礦或空中攝影、處理爆炸品、演員、地盤工人、漁夫、廚師或廚房工人、導遊或
領隊、從事或參與海陸空服務或行動或持械工作；
12. 任何直接或間接因「戰爭」、侵略、外敵行動、敵對局面（不論曾正式宣戰與否）、內戰、暴動、反叛、革命、篡權、軍事力量或政變所引起的任何
事件，或因政府意圖阻礙、反對或防禦此等事故及「恐怖活動」所引起的損失；大流行病 ;
13. 任何恐怖活動，惟第一節、第二節及第三節、第四節及第十一節 (a) 除外；
14. 在海拔 5,000 米以上進行高山遠足，或海平面的 40 米以下潛水；
15. 已從其他方面獲得的賠償，或被現有的保險計劃、政府計畫、公共交通工具、旅行社、任何交通或住宿提供商被支付或退款，惟第一節 (c)(d)(e)、第
三節、第四節 (b)(d)(e)、第七節、第八節 (a)(b)、第十一節 (a)、第十二節 (a)(b)(c)(d)(f)(g) 除外。
查詢熱線：+852 2903 9331
索償熱線：+852 2903 9321
索償手續
申請賠償只需以下簡單步驟：
1. 於可能導致索償的事件發生後 30 天內通知蘇黎世保險有限公司。
2. 填寫賠償申報表及提交所有證明文件。
TVB-WOT-003-06-2024C
1
TVB-WOT-002-06-2024
Terms and Conditions (T&C)
TravelFun Travel Insurance Plan
and
CruiseFun Travel Insurance Plan
This TravelFun Travel Plan and CruiseFun Travel Plan T&C forms part of the certificate of insurance and shall be read together with the certificate of
insurance and official receipt issued by the travel agent.
PART 1 – DEFINITIONS
Certain words in this T&C have specific meanings. We have printed these
words in italics throughout this T&C and have given the meanings below:
Accident/Accidental
a sudden and unforeseen event that happens unexpectedly and causes
injury to the insured person during an insured journey.
Accommodation
room charge only.
Certificate of Insurance
the certificate of insurance including T&C and any other documents
referred to in Clause 1 of the Part 5 - General Provisions section of this
T&C.
China
the territorial limit of the People’s Republic of China, but excluding Hong
Kong and Macau.
Chinese Medicine Practitioner
a Chinese medicine practitioner other than the insured person or an
immediate family member or domestic partner, who is registered under
the Chinese Medicine Ordinance in the Laws of Hong Kong.
Close Business Partner
a close business partner who is a resident in Hong Kong of the insured
person proved as such to the satisfaction of us on the basis of business
registration or corporate registration documentation, which is acceptable
to us.
Compulsory Quarantine
the insured person is being confined in an isolated ward of a hospital or
kept in an isolated site appointed by the government for at least one full
day and continuously stays in there until discharged from the quarantine.
Self-quarantine or home quarantine are excluded from this definition.
Confined/Confinement
the insured person is registered as an in-patient in a hospital for medical
treatment for an injury or illness upon the recommendation of a medical
practitioner and continuously stays in the hospital prior to his/her
discharge from the hospital. Hospital confinement will be evidenced by a
daily room and board charge by the hospital.
Domestic Partner
an adult aged 18 or above who has chosen to live with the insured person
in an intimate and committed relationship, and has resided with the
insured person for at least three years, intends to do so indefinitely and is
able to provide such proof of residence. Domestic partner does not
include roommates or any immediate family member.
Effective Date
either (i) the issue date of the certificate of insurance or (ii) the date on
which the Cancellation of Trip benefit under Section 9 becomes effective,
whichever is the later.
Follow-Up
the medical treatments directly caused by the injury or illness suffered by
the insured person for which the insured person has received treatment
or hospital confinement during the insured journey.
Hong Kong
the Hong Kong Special Administrative Region of the People’s Republic of
China.
Hospital
an establishment which meets all the following requirements:
• holds a licence as a hospital (if licensing is required in the state or
governmental jurisdiction); and
• operates primarily for the admission, care and treatment of sick, ailing
or injured persons as in-patients; and
• provides 24-hour a day nursing service by registered or graduated
nurses; and
• has a staff of one or more licensed medical practitioner available at all
times; and
• provides organized facilities for diagnosis and major surgical facilities;
and
• is not primarily a clinic, nursing, rest or convalescent home or similar
establishment or a place for alcoholics or drug addicts.
Illness
sickness or disease of the insured person contracted and commenced
during the insured journey and which results in a loss covered by the
certificate of insurance.
Immediate Family Member
the insured person’s spouse, parent, parent-in-law, grandparent,
grandparent-in-law, son or daughter, son-in-law or daughter-in-law,
brother or sister, grandchild or legal guardian.
Infectious Disease
A sudden and unexpected outbreak of disease through human-to-human
transmission that spreads rapidly to many people within a local region (of
which the insured person is scheduled to travel to) and leads to
exceptional rise in the number of confirmed diagnosis cases in a country,
and is publicly announced and documented by a recognized
governmental health authority. This definition excludes any infectious
disease escalated to pandemic as defined.
Injury
bodily injury sustained in an accident directly and independently of all
other causes.
Insured Journey
the period of travel commencing from the time when the insured person
departs from an immigration counter in Hong Kong, until the time when
the insured person (i) returns to Hong Kong on the date specified in the
official receipt or (ii) arrives at any immigration counter in Hong Kong,
whichever is the earlier.
Insured Person
the person(s) named on the official receipt or subsequently endorsed
hereon as insured person(s).
Itinerary
the detailed plan for an overseas journey issued and confirmed by public
common carrier, travel agent, tour operator or cruise company, together
with the official receipt or confirmation, prior to the commencement of the
insured journey.
Loss of Hearing
permanent irrecoverable loss of hearing where:
If a dB = Hearing loss at 500 Hertz
If b dB = Hearing loss at 1,000 Hertz
If c dB = Hearing loss at 2,000 Hertz
If d dB = Hearing loss at 4,000 Hertz
1/6 (a+2b+2c+d) is above 80dB
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TVB-WOT-002-06-2024
Loss of Limb
loss by physical separation at or above the wrist or ankle joint.
Loss of Sight
the entire and permanent irrecoverable loss of sight.
Loss of Speech
the disability in articulating any three of the four sounds which contribute
to the speech such as the labial sounds, the alveololabial sounds, the
palatal sounds and the velar sounds or total loss of vocal cord or
damage of speech centre in the brain resulting in aphasia.
Loss of Use
permanent total functional disablement or complete and permanent
physical separation at the limb or organ.
Maximum Benefits
the benefit amount of each of the benefits as stated in the Table of
Benefits in the certificate of insurance.
Medically Necessary Expenses
expenses incurred from the first day of sustaining an injury or illness
during the insured journey which are paid by the insured person to a
medical practitioner, physiotherapist, nurse, hospital and/or ambulance
service for medical, surgical, X-ray, hospital or nursing treatment
including the cost of medical supplies and ambulance hire but excluding
any expenses incurred under Section 2(b) – Emergency Medical
Evacuation and/or Repatriation Service or Section 2(c) – Repatriation of
Mortal Remains of Part 2 of the certificate of insurance. All treatments
must be prescribed by a medical practitioner in order for expenses to be
reimbursed under the certificate of insurance. In the event that the
insured person becomes entitled to a refund of all or part of such
expenses from any other source, we will only be liable for the excess of
the amount unrecoverable from such other sources.
Medical Practitioner
a person other than the insured person or immediate family member or
domestic partner, qualified by degree in western medicine and legally
authorized in the geographical area of his/her practice to render medical
and surgical services.
Official Receipt
the official receipt issued by the travel agent to the insured person
bearing an assigned certificate number.
Overseas
the destination(s) stated in the itinerary of the insured journey, except
Hong Kong and the departure city.
Pandemic
• any situation when a contagious disease is spreading to several
countries globally and affects an exceptionally high proportion of the
population in each of these countries, and is publicly announced and
documented by a recognized governmental health authority; or
• a disease classified by the World Health Organization as pandemic.
Permanent
lasting not less than 12 consecutive months from the date of an accident
and at the expiry of that period being beyond hope of improvement.
Pre-existing Condition
any symptom existed in or any condition which received by the insured
person, travel companion, immediate family member, close business
partner or domestic partner within 180 days prior to the effective date and
for which a qualified medical practitioner recommended to treat under: (i)
any medical treatment; or (ii) any diagnosis; or (iii) any consultation; or
(iv) any use of prescribed drugs leading to a claim under the certificate of
insurance.
Principal Home
the house or building located in Hong Kong occupied as a private
dwelling by the insured person as his/her only permanent residence.
Public Common Carrier
any mechanically propelled conveyance operated by a company or an
individual licensed to carry passengers for hire including but not limited to
bus, coach, taxi, ferry, cruise ship, hovercraft, hydrofoil, ship, train, tram
or underground train, and any fixed-wing aircraft provided and operated
by an airline or an air charter company which is duly licensed for the
regular transportation of fare-paying passengers and any helicopter
provided and operated by an airline which is duly licensed for the regular
transportation or fare-paying passengers and operating only between
established commercial airports or licensed commercial heliports, and an
regularly scheduled airport limousine operating on fixed routes and
schedules.
Relevant Documents
documents include enrollment form, official receipt, certificate of
insurance, T&C, Table of Benefits, declarations, riders, endorsements,
attachments and amendments (regardless verbally or in written format or
in digital format).
Serious Physical Injury or Serious Illness
an injury or illness which requires treatment by a medical practitioner and
which results in the insured person or travel companion being certified by
that medical practitioner as being unfit to travel or continue with the
insured person’s original travel arrangement. For immediate family
member(s), close business partner or domestic partner, serious physical
injury or serious illness shall mean injury or illness which requires
treatment and which is certified by a medical practitioner as being life-
threatening and which results in the insured person’s discontinuation or
cancellation of his/her original insured journey.
Symptom
a sign or an indication of disorder or disease experienced by an
individual.
Terrorism
an act of terrorism refers to any person or group(s) of persons, whether
acting alone or on behalf of or in connection with any organization(s),
carry out any act, preparation or threat of action which is intended to
influence any government de jure or de facto of any nation or any political
division thereof and/or to intimidate the public or any section of the public
of any nation for political, religious, ideological, or similar purposes. An
act of terrorism must be confirmed and announced to the public by the
relevant government. However, any event arising from war, invasion, act
of foreign enemy, hostilities (whether war is declared or not), civil war,
rebellion, insurrection, military force or coup, or any act with the use of
nuclear engineering shall be excluded from this definition.
Third Degree Burns
the damage or destruction of the skin to its full depth and damage to the
tissues beneath.
Total Disablement
when as the result of injury and commencing within 90 days from the date
of an accident the insured person is totally disabled and prevented from
engaging in each and every occupation or employment for compensation
or profit for which the insured person is reasonably qualified by reason of
his/her education, training or experience, or if the insured person has no
business or occupation, total disablement means the inability of the
insured person to perform any activities which would normally be carried
out in the insured person’s daily life.
Travel Agent
Hong Kong Wing On Travel Service Limited.
Travel Companion
the person who made the travel booking or reservation together with the
insured person and accompanied the insured person for the whole
insured journey other than a tour guide or tour member.
Travel Ticket
a travel ticket purchased for travelling on any public common carrier.
War
a contest by force between two or more nations, carried on for any
purpose; or armed conflict of sovereign powers; or declared or
undeclared and open hostilities; or the state of nations among whom
there is (i) an interruption of peaceful relations and (ii) a general
contention by force, both authorized by the sovereign.
We, Us or Our
Zurich Insurance Company Ltd
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TVB-WOT-002-06-2024
PART 2 – BENEFITS
Section and benefits contained hereunder are applicable in
accordance with the Table of Benefits and subject to the type of
plan stated on the official receipt.
Section 1 – Medical Cover
(a) Medical expenses
If the insured person suffers from injury or illness during the insured
journey and incurs reasonable medically necessary expenses, we
will reimburse the actual medically necessary expenses incurred by
the insured person.
– inclusive of follow-up medical expenses
This section also insures the insured person up to the sub-limit as
stated in the Table of Benefits against any actual medically
necessary expenses charged by a medical practitioner in Hong
Kong for the follow- up of medical treatment sought by the insured
person for the injury or illness within six months after the insured
person’s return to Hong Kong. The follow-up medical expenses shall
also be extended to cover the medical expenses incurred for the
same purpose paid to the Chinese medicine practitioner subject to
an aggregate limit of HKD 2,000 and a per visit per day limit of HKD
200.
(b) Overseas travelling expenses for seeking medical treatment in
hospital
We shall pay the actual traveling expenses (a receipt of the
transportation fee is required as a proof of claim) to and from
hospital incurred by the insured person for the purpose of seeking
medical treatment in an overseas hospital if the insured person
suffers from injury or illness during the insured journey.
(c) Overseas hospital cash allowance
If the insured person is confined in an overseas hospital due to an
injury or illness during the insured journey, we will pay a daily
allowance to the insured person.
(d) Compulsory quarantine cash allowance
In the event that the insured person is suspected or confirmed to
have contracted infectious disease during the insured journey and
results in unexpected compulsory quarantine by the local
government, or unexpected compulsory quarantine by the Hong
Kong Government within three days upon completion of the insured
journey and returning to Hong Kong, we will pay the insured person
a daily quarantine cash allowance.
In the event that more than one compulsory quarantine has been
arisen in the same insured journey, the maximum amount payable
under this benefit shall not exceed the maximum benefits as stated
in the Table of benefits.
Special Conditions for Section 1(d)
1. Any dwelling quarantine is excluded from this benefit.
2. No benefit shall be payable if the planned destination(s) has been
declared as an infected area on or before the departure date of
the insured journey.
(e) Follow-up hospital cash allowance
If the insured person is confined in a hospital in Hong Kong within 6
months after the insured person’s return to Hong Kong for
continuation of any medical treatment due to an injury or illness
during the insured journey, we will pay a daily allowance to the
insured person.
Exclusions applicable to Section 1
This section does not cover:
1. any medical treatment that is non-essential or not recommended by a
medical practitioner; any loss if the insured person refuses to follow
the recommendation of a medical practitioner to return to Hong Kong,
or refuses to continue the insured journey whilst the insured person’s
physical condition at the time of recommendation is fit for travel;
2. surgery or medical treatment which is not substantiated by a written
report from the medical practitioner or Chinese medicine practitioner;
3. surgery or medical treatment when in the opinion of the medical
practitioner treating the insured person, the treatment is not urgent
and medically necessary during the insured journey, and can be
reasonably delayed until the insured person returns to Hong Kong, or
until his/her arrival in the country of citizenship or the declared
country of final destination which the repatriation arrangement was
made by Zurich Emergency Assistance;
4. dental care and treatment except for the cost of emergency and
necessary dental treatment to the sound and natural teeth of the
insured person and is caused by injury during the insured journey;
5. cosmetic surgery, refractive errors of eyes or hearing-aids,
procurement or use of special braces, appliances or equipment and
prescriptions therefor except necessitated by injury occurring during
the insured journey and recommended in writing by medical
practitioner;
6. the follow-up treatment expenses obtained outside the country of
citizenship or declared country of final destination for the insured
person not returning to Hong Kong (only applicable to the
circumstance stated in Section 2(b) of the certificate of insurance); or
any follow-up treatment expenses settled by Health Care Voucher
issued by the Government of Hong Kong;
7. any additional cost of single or private room accommodation at a
hospital or charges in respect of special or private nursing except in
the event of Emergency Medical Evacuation provided under Section
2(b); non-medical personal services such as radio, telephone and the
like.
Section 2 – Zurich Emergency Assistance
Zurich Emergency Assistance will arrange for the following benefits in the
event that the insured person has suffered from injury or illness during
the insured journey and pay for any costs and expenses arising thereof:
(a) Deposit guarantee for hospital admission
Upon admission to a hospital, Zurich Emergency Assistance will
provide a guarantee for admission deposit up to a limit of HKD
78,000 in respect of any one insured person. Such deposit shall be
fully refunded to us and is borne solely by the insured person unless
otherwise covered under Section 1 – Medical Cover of the certificate
of insurance.
(b) Emergency medical evacuation and/or repatriation service
The actual cost of transportation, medical services and medical
supplies necessarily and unavoidably incurred as a result of an
emergency medical evacuation of the insured person to another
location for medical treatment, or repatriation of the insured person
to Hong Kong or the insured person’s country of residence, or
declared country of final destination. The timing, means and final
destination of evacuation will be decided by Zurich Emergency
Assistance and will be based entirely upon medical necessity.
(c) Repatriation of mortal remains
The reasonable and unavoidable expenses for transporting the
insured person’s mortal remains from the place of death to either
Hong Kong or the insured person’s country of residence, or declared
country of final destination, or the cost of local burial at the place of
death as approved by Zurich Emergency Assistance. The cost shall
include cost of a casket, the embalming and cremation process
rendered by a mortician or undertaker.
(d) Accommodation expenses
Zurich Emergency Assistance shall pay for the hotel accommodation
expenses necessarily and unavoidably incurred by the insured
person in connection with any incident requiring emergency medical
evacuation (pursuant to Section 2(b) above) to resume the course of
the insured person’s insured journey or to return him/her to Hong
Kong up to a maximum of HKD 1,950 per day and up to a limit of
HKD 7,800 per insured journey. Any approval on the payment of
expenses incurred by the insured person is subject to the sole
decision of Zurich Emergency Assistance on the basis of medical
necessity.
(e) 24-hour Telephone Hotline and Referral Services
i. Pre-trip information assistance
ii. Embassy referral
iii. Medical service provider referral
iv. Lost passport assistance
v. Lost luggage assistance
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TVB-WOT-002-06-2024
vi. Interpreter referral
vii. Lawyer referral
viii. Telephone medical advice
ix. Monitoring of medical condition when hospitalized
x. Arrangement for medical expenses guarantee
In respect of services (ix) and (x) above, all hospitalization expenses
or medical expenses charged to the insured person by a hospital,
medical practitioner other than our approved doctors, or any other
medical professions are to be borne by the insured person unless
otherwise covered under the certificate of insurance.
ZURICH EMERGENCY ASSISTANCE is rendered by the service
provider nominated by Zurich insurance Company Ltd.
Exclusions applicable to Section 2
No service will be provided or paid under this section:
1. when the insured person is located in areas which represent war risks
or political conditions thereby making the provision of services under
this section impossible or reasonably impracticable;
2. for emergency medical evacuation and/or repatriation or repatriation of
mortal remains or other cost not approved in advance and in writing
and/or not arranged by Zurich Emergency Assistance. This exclusion
shall not apply to emergency medical evacuation from remote or
primitive areas where Zurich Emergency Assistance cannot be
contacted in advance and delay might reasonably be expected to
result in loss of life or extreme prejudice to the insured person’s
prospect;
3. when the insured person is residing or travelling outside Hong Kong
contrary to the advice of a medical practitioner;
4. when the insured person is residing or travelling outside Hong Kong
for the purpose of obtaining medical treatment or for rest and
recuperation following any prior accident or illness.
Section 3 – Personal Accident
In the event of an accident described under Section 3(a) or 3(b) as below
which causes injury to the insured person, and such injury results in any
one of the following events listed in the Compensation table hereunder
within 90 consecutive days after the date of the accident, we will pay
compensation in accordance with the percentage stated in the
Compensation table.
(a) Accident on public common carrier
During the insured journey the insured person suffers from injury
while riding solely as a fare passenger (not as operator, pilot, or
crew member) in or on, boarding or alighting from any public
common carrier.
(b) Other accident
The insured person suffers injury from an accident other than the
accident referred in Section 3(a) above during the insured journey.
(c) Extra indemnity for accident due to terrorism
In the event that the insured person suffered from injury during the
insured journey due to terrorism, we will pay an extra indemnity in
addition to the indemnity payable under Section 3(a) or 3(b). The
extra indemnity shall be in accordance with the Percentage of
Maximum Benefits stated in the Compensation table hereunder.
Compensation table
Events
Percentage of
Maximum
Benefits
a. Accidental death and disablement
1.
Death
100%
2.
Permanent total disablement
100%
3.
Permanent and incurable paralysis of all limbs
100%
4.
Permanent total loss of sight of both eyes
100%
5.
Permanent total loss of sight of one eye
100%
6.
Loss of or the permanent total loss of use of two
limbs
100%
7.
Loss of or the permanent total loss of use of one limb
100%
8.
Loss of speech and hearing
100%
9.
Permanent and incurable insanity
100%
10.
Permanent total loss of hearing in
(a) both ears
75%
(b) one ear
15%
11.
Loss of speech
50%
12.
Permanent total loss of the lens of one eye
50%
13.
Loss of or the permanent total loss of use of four
fingers and thumb of
(a) right hand
70%
(b) left hand
50%
14.
Loss of or the permanent total loss of use of four
fingers of
(a) right hand
40%
(b) left hand
30%
15.
Loss of or the permanent total loss of use of one
thumb
(a) both right joints
30%
(b) one right joint
15%
(c) both left joints
20%
(d) one left joint
10%
16.
Loss of or the permanent total loss of use of fingers
(a) three right joints
15%
(b) two right joints
10%
(c) one right joint
7.5%
(d) three left joints
10%
(e) two left joints
7.5%
(f) one left joint
5%
17.
Loss of or the permanent total loss of use of toes
(a) all toes – one foot
20%
(b) great toe – both joints
7.5%
(c) great toe – one joint
5%
18.
Permanent disability not otherwise provided for under Events 10 to
17 inclusive, such percentage of maximum benefits as we shall in
our absolute discretion determine and being in our opinion not
inconsistent with the compensation provided under Events 10 to 17.
b. Third degree burns
Percentage of
maximum
benefits
Area
Damage as a percentage of total surface
area
Head
• Equal to or greater than 8% damage of total
head surface area
• Equal to or greater than 5% but less than
8% damage of total head surface area
• Equal to or greater than 2% but less than
5% damage of total head surface area
100%
75%
50%
Body
(Exclude
head)
• Equal to or greater than 20% damage of
total body surface area
• Equal to or greater than 15% but less than
20% damage of total body surface area
• Equal to or greater than 10% but less than
15% damage of total body surface area
100%
75%
50%
i. Benefit shall not be payable for more than one of the Events
listed above in respect of the same accident. Should more than
one of the Events occur as a result of the same accident, only
the Event with the highest compensation will be payable under
this section.
ii. Upon the occurrence of any compensation for which indemnity
is payable under any one of the above Events to any one
insured person in the certificate of insurance, all benefits under
the certificate of insurance shall then immediately cease to be in
force with regard to such insured person, but such termination
shall be without prejudice to any claim originating out of the
accident causing such loss.
iii. For any disablement in relation to Events 2-17 existed prior to
an injury covered under the certificate of insurance and
becomes totally disabled or a total disablement as a result of
such injury, the Percentage of Maximum Benefits payable shall
be determined by us having regard to the extent of disablement
caused by the covered injury. However, no payment shall be
made in respect of any disablement which was totally disabled
prior to the injury.
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TVB-WOT-002-06-2024
Extension to Section 3
1. Under this section, we extend to cover any injury sustained by
the insured person while:
(a) the insured person is traveling directly from his/her place of
residence or place of regular employment in Hong Kong to Hong
Kong Immigration Department office/counter within three hours
before the insured person’s scheduled departure time of the public
common carrier in which the insured person has arranged to travel
for the purpose of commencing the insured journey; and
(b) the insured person is traveling directly from Hong Kong
Immigration Department office/counter to his/her place of
residence or place of regular employment within three hours after
the insured person’s actual arrival time of the public common
carrier in which the insured person has arranged to travel for
returning to Hong Kong from the insured journey.
2. Disappearance clause
If the body of the insured person has not been found within one year
after the date of the accident due to sinking or wrecking of the public
common carrier in which the insured person was traveling at the time
of the accident and under such circumstances as would otherwise be
covered hereunder, it will be presumed that the insured person
suffered death resulting from an accident covered by the certificate of
insurance at the time of such sinking or wrecking.
Exclusions applicable to Section 3
This section does not cover any loss caused by an injury which is a
consequence of any kind of disease and/or illness.
Section 4 – Compassionate Visit Cover
(a) Compassionate visit
We will pay for the economy class round-trip travel ticket and the
actual and reasonable hotel accommodation expenses incurred up
to the maximum benefit as stated in the Table of Benefits incurred
by two immediate family member (one of which can be a domestic
partner) to travel over, or two appropriate travel companion to stay
behind (providing a one-way economy class travel ticket for each), to
be with and/or take care of the insured person, as a result of death,
serious physical injury or serious illness of the insured person during
the insured journey. This coverage can only be utilized once during
any one insured journey.
(b) Transportation allowance
If cover under Section 4(a) is approved by us, we will pay a daily
transportation allowance up to the maximum benefits as stated in
the Table of Benefits to the insured person for hospital visitation of
his/her immediate family member or domestic partner or travel
companion.
(c) Child guard
We will pay for the economy class round-trip travel ticket and the
actual and reasonable hotel accommodation expenses incurred up
to the maximum benefit as stated in the Table of Benefits incurred
by one immediate family member, or one appropriate travel
companion (providing a one-way economy class travel ticket), to
accompany with the relevant insured person’s child(ren) who is/are
travelling with the insured person and aged under 15 years old to
return to Hong Kong (or declared country of final destination) in the
event of death or confinement of the said insured person in an
overseas hospital due to serious physical injury or serious illness
and no other immediate family member accompanies with the
child(ren) for the rest of the insured journey.
(d) Compassionate death cash
In the event of death (accident or natural) of the insured person
during the insured journey, we will pay to the estate of the insured
person a compassionate death cash.
(e) Extra compassionate death cash due to high altitude syndrome
In the event of death of an insured person arising out of high-altitude
syndrome during the insured journey and such diagnosis is certified
by a medical practitioner, we will pay to the estate of the insured
person an extra compassionate death cash.
Section 5 – Personal Baggage Cover
Baggage and Personal Effects
We will pay for accidental loss of or damage to personal possessions
normally worn or carried, including luggage and belonging, owned by the
insured person during the insured journey. For any personal possession
and belonging that are kept inside an unattended vehicle, it must be
locked inside the trunk or locked in the storage area behind the back seat
of the vehicle.
We may make payment or at our option reinstate or repair as we may
elect subject to due allowance for wear and tear and depreciation. If any
damaged article is proven to be beyond economical repair, a claim shall
be dealt with as if the article had been lost. The sublimit for the Personal
Baggage Cover is stated in the Table of Benefits.
Section 6 – Personal Money, Travel Document and Credit Card
Cover
(a) Personal money
We will reimburse the insured person the loss of personal money,
defined as cash or bank notes, belonging to and being carried by the
insured person, or in a locked hotel room or in a locked cabin on a
cruise ship due to robbery, burglary or theft, occurring during the
insured journey.
(b) Loss of travel document and/or travel ticket and unauthorized
use of lost credit card
We will pay for the replacement cost of Hong Kong Identity Card,
credit cards, driving licence, travel ticket or travel document
belonging to the insured person following accidental loss during the
insured journey.
In the event of the accidental loss of travel ticket and/or travel
document belonging to the insured person during the insured
journey, we will also reimburse the additional travelling expenses
and/or accommodation expenses incurred by the insured person for
the sole purpose of making necessary travel arrangement for
replacing the travel document, provided that the travelling class
and/or the room type for the accommodation shall not be better than
the original travelling class and/or the room type for the
accommodation in the insured journey.
In the event that the credit card is accidentally lost when carried with
the insured person during the insured journey, we will also
reimburse the insured person the monetary loss due to unauthorized
use of credit card within the insured journey.
Exclusions applicable to Section 5 and 6
These sections do not cover:
1.
any loss not reported to the local police or public authority within
24 hours upon discovery of loss and for which a relevant report
is not obtained at the place of loss;
2.
any loss of or damage to property while in the custody of a hotel or
public common carrier, unless reported immediately (and/or not later
than three days) upon discovery of loss and a written report must be
obtained;
3.
loss of credit card not immediately reported to the local branch or
agent of the issuing authority;
4.
any loss due to detention or destruction under quarantine or customs
regulations, confiscation by order of any government of public
authority or risk of contraband or illegal transportation or trade;
5.
any loss of property when it is left unattended in public place or in an
unlocked vehicle; any unexplained loss or mysterious
disappearance; or as a result of the insured person’s failure to take
due care and precautions for the safe guard and security of such
property;
6.
any loss of or damage to property insured under any other policy, or
otherwise reimbursed by public common carrier or a hotel or other
parties;
7.
the following classes of property: business merchandise or sample,
foodstuffs and/or medicine, tobacco, contact lenses, dentures and/or
its appliances, bicycles, antiques, any kind of gold, platinum,
diamond, jade or pearl, any brittle or fragile items such as glass or
crystal, money (including cheques, traveller’s cheques, etc.), plastic
6
TVB-WOT-002-06-2024
money (including the credit value of credit card, Octopus cards, etc.);
mobile phone (including PDA phone or smart phone or similar device
with telecommunications function and other accessories) (except for
TravelFun Worldwide Tour Plan and CruiseFun Plan), tickets (except
travel ticket), coupons or securities; loss of money other than
covered in Section 6(a).
8.
any loss of property which occurs when it is not being on the same
public common carrier as the insured person, or souvenirs and
articles mailed or shipped separately;
9.
any loss of or damage to hired or leased equipment;
10.
any loss arising from fraud or deception;
11.
any loss of travel document and/or visa and/or travel ticket which is
not necessary for completing the insured journey;
12.
any fine or penalties incurred due to non-replacement or late
replacement of the documents by the insured person;
13.
any unauthorized use of credit card by immediate family member or
domestic partner.
Section 7 – Baggage Delay Cover
In the event of the insured person’s checked-in baggage being delayed
for over 10 hours after the insured person’s actual arrival at the
scheduled overseas destination , regardless of the number of checked-in
baggage, we will pay a lump sum allowance to the insured person, and
subject to the same delayed checked-in baggage can only be claimed
once by one insured person.
In the event of the insured person’s checked-in baggage being delayed
for over 10 hours after the insured person’s arrival in Hong Kong, we will
compensate the insured person for the actual expense for emergency
purchase of essential items or requisites during the deprivation of his/her
baggage.
This benefit can only be utilized once during any one insured journey.
Special condition for Section 7
All claims must be substantiated by written confirmation from the public
common carrier on the number of hours and the reason of such delay.
Exclusions applicable to Section 7
This section does not cover:
1. any baggage not being on the same public common carrier of the
insured person or souvenirs and articles mailed or shipped
separately;
2. any loss for which the insured person fails to submit receipts for the
purchase of emergency items or requisites (applicable to return trip
only);
3. any loss due to detention or destruction under quarantine or
customs regulations, confiscation by order of any government of
public authority or risk of contraband or illegal transportation or
trade.
Section 8 – Travel Delay Cover
In the event that the public common carrier in which the insured person
has arranged to travel is delayed from the departure or arrival time
specified in the insured person’s original itinerary as a result of strike or
other industrial action, riot, civil commotion, hijack, adverse weather
conditions, natural disaster, mechanical and/ or electrical breakdown of
the public common carrier, or airport closure, we will pay the following
benefits to the insured person:
(a) Travel delay
HKD 300 for each and every full six hours. The period of delay will
be calculated as follows:
• departure delay will be calculated starting from the original
scheduled departure time of the public common carrier specified
in the itinerary provided to the insured person, until the actual
departure time (i) of the original public common carrier or (ii) the
first available alternative transportation offered by that public
common carrier; or
• arrival delay will be calculated starting from the original arrival
time specified in the itinerary provided to the insured person,
until the actual arrival time of (i) the original public common
carrier or (ii) the first available alternative transportation offered
by that public common carrier.
The insured person can only claim for either departure or arrival
delay of the same public common carrier. If the insured person has
consecutive connected flights, the delay will be calculated based on
the difference between actual departure or arrival time, as the case
may be, that stated on the itinerary regardless of the time spent on
transit and the proximate cause of the delay must be one of the
causes set out in the first paragraph of this Section 8.
(b) Re-routing cost
The additional costs incurred by the insured person for the
purchase of the one-way economy class travel ticket in order to
travel to the planned destination or scheduled port-of-call as
specified in his/her original itinerary by an alternative public
common carrier after at least 10 hours of delay. This benefit can
only be utilized once during any one insured journey.
(c) Extra hotel cost
The extra, reasonable and irrecoverable accommodation expenses
incurred outside Hong Kong as a result of the delay over six hours.
(d) Loss of vacation allowance
We will pay HKD 500 per day as a result of delay over 24 hours and
if the insured person continues to commence his/her insured
journey in overseas (Calculation of the delay is based on Section
8(a) – Travel Delay above).
(e) Cancellation due to travel delay
i. We will reimburse the insured person for the travelling expenses
and/or accommodation expenses paid in advance which he/she
is legally liable and are not recoverable from any other source if
he/she decides to cancel the insured journey as a result of delay
over 10 hours from the originally scheduled departure time.
ii. Applicable to CruiseFun Plan only: if the public common carrier
which the insured person has arranged for travelling to the cruise
ship in overseas is delayed in excess of 10 hours from the
scheduled arrival time specified in the itinerary and as a direct
result of which the insured person fails to board the scheduled
cruise ship and cancel the cruise journey, we will reimburse the
forfeited fees incurred by the insured person arising from the
cancellation of the cruise journey provided that such forfeited
fees are not recoverable from any other source.
Special conditions for Section 8
1. The insured person must have already checked-in the public common
carrier for its original schedule of departure.
2. All claims must be substantiated by written confirmation from the
public common carrier on the number of hours and the reason for
such delay.
3. Should a loss arise for which a claim for Section 8(e)(i) is payable, no
further claims shall be payable under the certificate of insurance
arising from the same cause (except for point 1(a) under Extension to
Section 3 if the insured person is traveling to the Hong Kong
immigration counter for the departure of the scheduled insured
journey).
4. Should a loss arise for which a claim for Section 8(e)(ii) is payable, no
further claims shall be payable under Section 8(b) to 8(d) arising from
the same cause.
5. Should a loss arise for which a claim for Section 11(a) is payable, no
further claims shall be payable under Section 8(a) arising from the
same cause.
6. Should a loss arise for which a claim for Section (d) under the
Endorsement to the certificate of insurance is payable, no further
claims shall be payable under Section 8(a) arising from the same
cause.
Exclusions applicable to Section 8
This section does not cover:
1. any loss arising from late arrival of the insured person at the airport or
port (i.e. arrival at a time later than the time required for check-in or
booking-in except for the late arrival due to strike by the employees of
the public common carrier);
2. any loss arising from air traffic control by local government or relevant
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TVB-WOT-002-06-2024
authorities; or any loss arising from any government’s regulations
control or act;
3. any circumstances covered by any other insurance scheme,
government programme or which will be paid or refunded by travel
agency, tour operator or other provider of any service forming part of
the booked itinerary (not applicable to Section 8(a) and (d));
4. any loss arising from the failure of insured person to get on board the
first available alternative transportation offered by the administration
of the relevant public common carrier.
Section 9 – Travel Inconvenience Cover
(a) Cancellation of trip
In the event that the insured person has to cancel the insured
journey as a result of any the following:
i. death, serious physical injury or serious illness of the insured
person, immediate family member, travel companion, close
business partner or domestic partner within 90 days (for
TravelFun Plan) and 180 days (for CruiseFun Plan) before the
commencement date of the insured journey;
ii. witness summons, jury service or compulsory quarantine of the
insured person within 90 days (for TravelFun Plan) and 180
days (for CruiseFun Plan) before the commencement date of
the insured journey;
iii. unexpected outbreak of strike, riot, civil commotion, adverse
weather condition, natural disaster or infectious disease at the
planned destination arising within one week before the
departure date of the insured journey;
iv. serious damage to the insured person’s principal home in Hong
Kong arising from fire, flood or burglary within one week before
the commencement date of the insured journey which requires
the insured person’s presence in Hong Kong on the departure
date of the insured journey for the purpose of police
investigation;
we will pay for the loss of unused travel fare and/or accommodation
expenses which have been paid in advance and for which the
insured person is legally liable and which are not recoverable from
any other source.
(b) Single occupancy
In the event of death, serious physical injury or serious illness of the
travel companion which occurs within one week before the
commencement date of the insured journey and the insured person
decides to travel as planned, we will reimburse the insured person,
for the additional cost incurred as a result of a change in the per
person occupancy rate applicable to the prepaid travel ticket and/or
accommodation, or tour package.
Special condition for Section 9(a) and 9 (b)
1. The insured person can only make a claim under either Section
9(a) or 9(b) in respect of any losses arising from the same cause.
2. Should a loss arise for which a claim for Section 9(a) is payable,
no further claims shall be payable under the certificate of
insurance arising from the same cause (except for point 1(a)
under Extension to Section 3 if the insured person is traveling to
the Hong Kong immigration counter for the departure of the
scheduled insured journey).
(c) Curtailment of trip
In the event that the insured person has to:
i. abandon the insured journey and return to Hong Kong after the
insured journey has begun due to:
• death, serious physical injury or serious illness of the insured
person, immediate family member, travel companion, close
business partner or domestic partner who is a resident in
Hong Kong;
• unexpected outbreak of strike, riot, civil commotion, natural
disaster or infectious disease at the planned destination in
overseas which prevent the insured person from continuing
with his/her scheduled journey;
OR
ii. the insured person is suspected or confirmed to have contracted
infectious disease during the insured journey and which results in
compulsory quarantine and the insured person being detained at
the planned destination;
we will pay for the loss of unused travel fare and/or accommodation
expenses for which the insured person is legally liable and which is
not recoverable from any other sources, and/or additional actual
travel fare and accommodation expenses reasonably and
necessarily incurred. In the event that the insured journey is a
packaged group tour arranged by travel agent, the benefit payable
for the curtailment expenses in relation to the loss of unused travel
fare and/or accommodation expenses forfeited will be calculated in
proportion of the packaged group tour cost to the number of days
remaining after the relevant interruption of the insured journey.
Exclusions applicable to Section 9
This section does not cover:
1. any government’s regulations control or act, bankruptcy, liquidation,
error, omission or default of any travel agency, tour operator, cruise
ship company, public common carrier and/or other provider of any
service forming part of the booked itinerary;
2. any loss in relation to cancellations or curtailments to original itinerary
that is not verified by the airline, travel agency, cruise company, or
other relevant organizations;
3. any loss which will be paid or refunded by any existing insurance
scheme, government programme, public common carrier, travel
agent or any other provider of transportation and/or
accommodation;
4. any loss if the insured person refuses to follow the recommendation of
a medical practitioner to return to Hong Kong, or refuses to continue
the insured journey whilst the insured person’s physical condition at
the time of recommendation is fit for travel (applicable to Section 9(c)).
Section 10 – Personal Liability
We will indemnify any amount which the insured person becomes legally
liable to pay as compensation and/ or legal expenses for an accident
occurring during the insured journey which causes death or injury to a
third party or damage to property of a third party. However, the insured
person must not make any offer or promise of payment or admit liability to
any other party, or become involved in any litigation without our written
approval.
Exclusions applicable to Section 10
This section does not cover liability arising directly or indirectly from:
1. any business, profession or trade;
2. any wilful, malicious or unlawful act of the insured person or any
criminal acts;
3. liability to any person who is the immediate family member or relative
or employer or employee;
4. contractual liability;
5. ownership, possession, use or control of any vehicle, aircraft,
watercraft, land, buildings, firearms or animals;
6. damage to property owned by or held in trust or in the custody of the
insured person or relative or the immediate family member or
employer;
7. any act of terrorism.
Section 11 – Zurich Personal Care Cover
(a) Involuntary journey extension allowance
In the event the insured person needs to stay in the overseas
destination involuntarily due to terrorism, compulsory quarantine,
adverse weather conditions or natural disaster or infectious disease
at the planned destination which prevent the insured person to
complete the insured journey within the period stated in the original
itinerary, we will pay a daily allowance to the insured person.
Special condition to Section 11(a):
1. Should a loss arise for which a claim for Section 8(a) is payable,
no further claims shall be payable under Section 11(a) arising
from the same cause.
2. Should a loss arise for which a claim for Section (d) under the
Endorsement to the certificate of insurance is payable, no further
claims shall be payable under Section 11(a) arising from the
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TVB-WOT-002-06-2024
same cause.
Exclusions applicable to Section 11(a)
This section does not cover if the insured person refuses to take the
first available alternative transportation offered by the original public
common carrier.
(b) Rental vehicle excess
If the insured person rents a rental vehicle in the course of the
insured journey which is involved in a collision whilst under the
control of the insured person or such vehicle is stolen or damaged
and the rental agreement includes an excess (or deductible or
similar condition), we will reimburse the insured person for the rental
vehicle excess for the liable loss or damage of the rental vehicle,
and/or the non-operating charge (NOC) paid to the rental
organization. This benefit can only be utilized once during any one
insured journey.
Special condition for Section 11(b)
The insured person must take relevant comprehensive motor vehicle
insurance provided by the rental organization against loss or
damage to the rental vehicle during the rental period.
Exclusions applicable to Section 11(b)
This section does not cover:
1. any use of the rental vehicle by the insured person that is in
violation of the terms of the rental agreement or applicable
comprehensive motor vehicle insurance policy;
2. the insured person not holding a valid driving license for the
country.
Section 12 – Cruise Journey Protection
(a) Accident due to sinkage of cruise ship or kidnap by pirates
In the event of an accident result in the insured person suffers from
injury during the cruise journey due to:
i. sinkage of cruise ship; or
ii. the insured person being kidnapped by pirates;
and such injury results in any one of the Events listed in the
Compensation Table under Section 3 within 90 consecutive days
after the date of the accident, we will pay compensation in
accordance with the percentage stated in the Compensation Table.
Extra indemnity for disappearance
If the body of the insured person has not been found within one year
after the date of the disappearance due to sinkage of the cruise ship
or the insured person being kidnapped by pirates during the cruise
journey, it will be presumed that the insured person suffered death
resulting from an accident covered by the certificate of insurance at
the time of such disappearance. We will pay an extra indemnity to
the estate of the insured person.
(b) Involuntary cabin isolation
If the insured person is ordered by the cruise ship's medical officer
to be restricted in the cabin, for medical reasons due to injury, or
sickness, or infectious disease, we will pay a daily allowance for
each full day of restriction.
The insured person must provide written confirmation by the on-
board medical officer on the number of days and reason for such
restriction.
(c) Baggage delay allowance after onboard for cruise
In the event that the public common carrier which the insured person
has arranged for travelling and carrying his/her checked-in baggage
to the scheduled cruise ship is delayed, and the baggage is not
delivered within 24 hours after the insured person has boarded the
cruise ship, we will pay a lump sum allowance to the insured person.
This section is an extra allowance to Section 7 – Baggage Delay
Cover. Special conditions and exclusions applicable to Section 7
shall apply to this section.
(d) Allowance for missed connection to cruise ship
In the event that the public common carrier which the insured person
has arranged for travelling to the scheduled cruise ship is delayed
for more than six hours and as a result of which, the insured person
fails to board the scheduled cruise ship, we will pay to the insured
person a daily allowance for each 24 hours of delay during which the
insured person has missed the cruise until the insured person has
boarded the cruise ship at the next scheduled port-of-call specified
in the original itinerary of the cruise journey, up to a maximum of
three days.
(e) Cruise rejoining expenses
If the insured person leaves the cruise ship for shore excursion at
the ports-of-call and is unable to board to the cruise ship as a result
of the insured person’s failure to return to the relevant port-of-call on
or before the scheduled departure time at the relevant port to
continue with the cruise journey as a result of:
• unexpected strike or other industrial action of the public common
carrier on which the insured person is travelling during the shore
excursion;
• unexpected outbreak of strike, riot, civil commotion, terrorism,
adverse weather conditions or natural disaster at the destination
of the shore excursion;
• serious traffic accident of the public common carrier on which the
insured person is travelling during the shore excursion;
• the insured person suffers from injury during the shore excursion
which requires the insured person to be confined in the hospital
at the scheduled departure time of the cruise ship at the relevant
port;
• missing of the travel companion which requires the insured
person’s presence in ports-of-call where the travel companion is
missing for the purpose of police investigation (subject to
missing person report obtained from the local police);
we will pay the additional costs of one economy class one-way travel
ticket to enable the insured person to travel to the next scheduled
port of call specified in the original itinerary of the cruise journey
and/or reasonable actual accommodation expenses incurred by the
insured person at the relevant port-of-call.
(f) Shore excursion cancellation allowance
In the event that the shore excursion, which the insured person has
booked and paid before the commencement date of the cruise
journey shown in the itinerary, is cancelled as a result of:
• insured person or travel companion’s death, serious physical
injury or serious illness during the cruise journey;
• unexpected outbreak of strike, riot, civil commotion, terrorism,
infectious disease, adverse weather conditions, natural disaster
at the destinations of the excursion occur within one day before
the departure date of the shore excursion;
we will pay a lump sum allowance for each cancelled excursion to
the insured person.
(g) Involuntary change of cruise destination allowance and
additional travel document fee
In the event that the original route or ports of call listed on the
insured person’s original itinerary is involuntarily re-routed and/or
changed to other ports of call by the cruise ship company due to
adverse weather conditions, natural disaster, terrorism or infectious
disease which may incur additional cost for travel document, we will
pay a lump sum allowance to the insured person .
(h) Cruise Wifi cost for emergency call
In the event that the insured person must return directly to Hong
Kong following injury or illness of the insured person or travel
companion which prevents the insured person from continuing the
insured journey, we will pay for cost of Wifi usage for making phone
calls on the cruise ship with the insured person’s or the travel
companion’s mobile phone.
Special Condition to Section 12
1. The insured person can only make a claim under either Section 3(a)
or Section 3(b) or Section 12(a) in respect of any loss arising from the
same accident.
2. Should a loss arise for which a claim for Section 8(e) or Section 9(a)
is payable, no further claims shall be payable under Section 12
arising from the same cause.
3. The insured person can only make a claim under either Section 12(f)
or (g) in respect of any losses arising from the same cause.
4. Shore excursion must be arranged and paid for by the insured person
before the departure of the insured journey. The date must be shown
on the respective ticket or receipt for claims under Section 12(f). If
not, the insured person is liable to provide the supporting documents
which are required by and acceptable to us as proof of claims.
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Exclusions applicable to Section 12
This section does not cover:
1. any government’s regulations control or act, bankruptcy, liquidation,
error, omission or default of any travel agency, tour operator, cruise
ship company, public common carrier and/or other provider of any
service forming part of the booked itinerary;
2. any loss in relation to cancellations or curtailments to original itinerary
that is not verified by the airline, travel agency, cruise company, or
other relevant organizations;
3. any loss if the insured person refuses to follow the recommendation
of a medical practitioner to return to Hong Kong, or refuses to
continue the insured journey whilst the insured person’s physical
condition at the time of recommendation is fit for travel (applicable to
Section 12(e) and (f));
4. failure to submit an official receipt issued by the cruise ship company
as proof of wifi usage by the insured person; any data roaming cost;
5. failure to obtain and provide a written report from the medical
practitioner certifying the injury or illness suffered by the insured
person or travel companion whilst on board the cruise ship.
PART 3 – GENERAL EXCLUSIONS
The certificate of insurance does not cover any loss or liability directly or
indirectly arising as a result of or in connection with:
1. any insured person who is a holder of the People’s Republic of China
passport and travels to/within China, unless he/she has an official
document issued by the overseas Government (other than China) as
proof that he/she is a legal resident of the respective country but
travelling with a passport of the People’s Republic of China;
2. any circumstance which is existing or announced before the effective
date of this insurance (only applicable to Section 8, Section 9,
Section 11(a), Section 12(d)(e)(f)(g));
3. any pre-existing condition, congenital and hereditary condition;
4. the purpose of the insured journey is to obtain medical treatment, or if
the insured journey was undertaken while the insured person was
unfit to travel, or the insured person is traveling against the advice of
a medical practitioner;
5. any illegal or unlawful act by the insured person;
6. riding or driving in any kind of motor racing, competition, or engaging
in a sport in a professional capacity or where the insured person
would or could earn income or remuneration from engaging in such
sport;
7. suicide or intentional self-inflicted injury; insanity, mental or nervous
disorders; any condition under the influence of alcohol or drugs (other
than those prescribed by a medical practitioner), alcoholism, drug
addiction or abuse;
8. any conditions or complications arising or resulting from: pregnancy,
childbirth, venereal disease and HIV (Human Immunodeficiency
Virus);
9. being as a crew member or an operator of any air carrier;
10. any activity or involvement of the insured person in the air unless
such insured person is at the relevant time (i) travelling as a fare
paying passenger on a regularly scheduled flight or licensed
chartered aircraft, or (ii) participating in such activity where the
maneuver or navigation of such activity is responsible by another
person who is adequately licensed for guiding such activity and the
provider of such activity must be authorized by the relevant local
authority;
11. engaging in any kind of labour work; engaging in offshore activities
like commercial diving, oil rigging, mining or aerial photography;
handling of explosives, hitchhiking, performing as an actor/actress,
being a site worker, fisherman, cook or kitchen worker, tour guide or
tour escort; naval, military or airforce service or operations or armed
force services;
12. any loss resulting directly or indirectly from war, invasion, act of
foreign enemy, hostilities (whether war is declared or not), civil war,
rebellion, insurrection, revolution, usurped power, military force or
coup, or action taken by government authorities in hindering,
combating or defending against the occurrence of the aforesaid
events and terrorism; pandemic;
13. any terrorism except for Section 1, Section 2, Section 3, Section 4
and Section 11(a);
14. trekking at an altitude greater than 5,000 meters above sea level or
diving to a depth greater than 40 meters below sea level;
15. any claims that can be compensated from any other sources, or paid
or refunded by any existing insurance scheme, government
programme, public common carrier, travel agent or any other provider
of transportation and/or accommodation, except for Section 1(c) (d)
(e), Section 3, Section 4(b) (d) (e), Section 7, Section 8(a) (d),
Section 11(a), Section 12(a) (b)(c) (d)(f) (g).
PART 4 – GENERAL CONDITIONS
1. Coverage and premium under the certificate of insurance for each
insured person is based on the insured person’s age on the
commencement date of the insured journey.
2. At the time of effecting the certificate of insurance the insured person
must be fit to travel; otherwise any claims shall result in our right to
repudiate liability under the certificate of insurance.
3. The insured journey must commence in Hong Kong.
4. No refund of premium is allowed once the certificate of insurance has
been issued and the certificate of insurance cannot be renewed once
expired.
5. If the insured journey cannot be completed within the period stated in
the official receipt issued by the travel agent due to any
circumstances beyond the insured person’s control which arise after
the insured journey has begun, we will automatically extend the
period of insurance, subject to a maximum of 10 days, without charge
for such a period as is reasonably necessary for completion of the
insured person’s insured journey. No further extension is allowed
after the 10 days’ free extension.
6. If the insured person is covered under more than one comprehensive
voluntary travel insurance policies underwritten by us for the same
insured journey, only the travel insurance policy with the greatest
compensation will apply and benefits thereunder be payable.
7. The maximum period of the insured journey cannot exceed 180 days
per trip for TravelFun Worldwide Tour Plan, seven days for one-way
travel, four days for TravelFun Short Tour Plan and 60 days for
CruiseFun Tour Plan.
8. The insurance is only valid for conventional leisure travel or business
travel (limited to administrative only). The insurance shall not apply to
persons undertaking expeditions, treks or similar journey.
PART 5 – GENERAL PROVISIONS
1. Entire contract
The certificate of insurance contract including all relevant documents
will constitute the entire contract between the parties. No agent or
other person has the authority to change or waive any provision of
the certificate of insurance. No changes in the certificate of insurance
shall be valid unless approved by our authorized officer and
evidenced by endorsement of amendment.
2. Age limit
Unless specifically mentioned in the contrary, this insurance applies
to any insured person at all ages.
3. Notice of claims
Written notice of claim must be given to us by the insured person
within 30 days of the date of the incident causing such loss. In the
event of accidental death, immediate notice thereof must be given to
us by insured person’s legal representative.
All other certificates, information and evidences required by us shall
be furnished at the expenses of the insured person’s or the personal
representative of the insured person and shall be in such form and of
such nature as we may prescribe. If the insured person does not
comply with this condition, we shall have the sole discretion to
decide not to pay any benefits under the certificate of insurance.
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4. Proof of loss
Written proof of loss must be furnished to us within 30 days from the
date of issuance of our receipt of the claim provided to us. Failure to
furnish such proof within the specified time frame shall not invalidate
any claims if it was not reasonably practicable to provide proof within
such time, provided that such proof is furnished as soon as
reasonably practicable, and in no event later than 180 days from the
time when such proof is otherwise required. All certificates,
information and evidence in such form and of such nature and within
such time as we may reasonably require shall be furnished at the
expense of the claimant without any expense to us.
5. Claims admittance
In no case shall we be liable in respect of any claim after the expiry
of 12 months from the occurrence of the incident giving rise to a
claim under the certificate of insurance unless the claim has been
admitted or is the subject of a pending legal action or arbitration.
6. Medical examination
We shall be entitled in the case of non-fatal injury to call for
examination by a medical referee appointed by us if we deem
necessary and in the event of death to have a post-mortem
examination at our expense. The result of such examination shall be
our property.
7. Payment of claims
We will pay all benefits (except for Section 2(b) and 2(c)) to the
insured person for their respective rights and interests. Benefits
payable under Section 2(b) - Emergency Medical Evacuation and/or
Repatriation Service and Section 2(c) - Repatriation of Mortal
Remains will be paid directly to the service provider. All payment of
claims in the certificate of insurance shall be in Hong Kong dollars
and are payable to the insured person after the receipt of due proof
upon our approval. In the event of accidental death of the insured
person, we will pay all the pending benefits to the estate of the
insured person. All indemnities provided in the certificate of
insurance will be paid immediately after the receipt of due proof upon
our approval.
8. Liability claims
The insured person must not admit, deny, or settle a claim without
our consent.
9. Misrepresentation or non-disclosure
If the insured person, or anyone acting on behalf of the insured
person makes a statement in the application or in connection with
any claim knowing that the statement is false, or fail to disclose pre-
existing conditions or fail to act in utmost good faith, we will not be
liable for any claim and all covers and benefits under the certificate
of insurance shall cease immediately. We will not be liable to refund
any premium paid. If any benefit has been paid by us, the insured
person shall refund such benefit to us within seven working days
from the date of our notice of demand.
10. Misstatement of age
If the insured person’s age has been misstated, the premium
difference would be returned or charged according to the correct
age. In the event that the insured person’s age has been misstated
and if, according to the correct age, the coverage provided by the
certificate of insurance would not have become effective, or would
have ceased prior to the acceptance of each premium or premiums,
then our liability shall be limited to the refund of premiums paid for
the certificate of insurance, and we will be entitled to void or
terminate the certificate of insurance totally.
11. Zurich Emergency Assistance
The service provider of Zurich Emergency Assistance is an
independent service provider providing such respective services to
the insured person upon his/her request. We or any of our affiliates,
agents, or employees of any of them has no responsibility or liability
of any act, default, negligence, error or omission of the relevant
service provider of Zurich Emergency Assistance or any of its
respective employees, agents or representatives.
12. Other insurance
If at the time of a claim there is any other policy insured by other
insurance company which also provides the same benefits as the
certificate of insurance, we will only be liable for our proportionate
share (except for Section 1(c)(d)(e), Section 3, Section 4(b)(d)(e),
Section 7, Section 8(a)(d), Section 11(a), Section
12(a)(b)(c)(d)(f)(g)).
13. Clerical error
Our clerical errors shall not invalidate the certificate of insurance
otherwise valid nor continue the certificate of insurance otherwise not
valid.
14. Legal action
No legal action shall be brought to recover on the certificate of
insurance prior to the expiration of 60 days after written proof of
claims has been filed in accordance with the requirements of the
certificate of insurance, nor shall such action be brought at all unless
commenced within one year from the expiration of the time within
which proof of claims is required.
15. Subrogation
We have the right to proceed at our own expense in the name of the
insured person against third parties who may be responsible for an
occurrence giving rise to a claim under the certificate of insurance,
and the insured person shall concur in doing and permit to be done
all such acts and things as may be necessary or reasonably required
by us for the purpose of enforcing any rights and remedies or of
obtaining relief or indemnity from other parties to which we are
entitled by virtue of our right hereunder.
16. Alternative dispute resolution
In the event of a dispute arising out of the certificate of insurance, the
parties may settle the dispute through mediation in good faith in
accordance with the relevant Practice Direction on civil mediation
issued by the Judiciary of Hong Kong and applicable at the time of
dispute. If the parties are unable to settle the dispute through
mediation within 90 days, the parties shall refer the dispute to
arbitration administered by the Hong Kong International Arbitration
Centre (‘HKIAC’) under the HKIAC Administered Arbitration Rules in
force when the Notice of Arbitration is submitted. The law of this
arbitration clause shall be Hong Kong law and the seat of arbitration
shall be Hong Kong. The number of arbitrators shall be one and the
arbitration proceedings shall be conducted in English.
It is expressly stated that the obtaining of an arbitral award is a
condition precedent to any right of legal action arising out of the
certificate of insurance. Irrespective of the status or outcome of any
form of alternative dispute resolution, if we deny or reject liability for
any claim under the certificate of insurance and the insured person
does not commence arbitration in the aforesaid manner within 12
calendar months from the date of our disclaimer, the insured
person’s claim shall then for all purposes be deemed to have been
withdrawn or abandoned and shall not thereafter be recoverable
under the certificate of insurance.
17. Right of Third Parties
Other than the insured/policyholder or the insured persons or as
expressly provided to the contrary, a person who is not a party to the
certificate of insurance has no right to enforce or to enjoy the benefit
of any term of the certificate of insurance. Any legislation in relation
to third parties’ rights in a contract shall not be applicable to the
certificate of insurance. Notwithstanding any terms of the certificate
of insurance, the consent of any third party is not required for any
variation (including any release or compromise of any liability under)
or termination of the certificate of insurance
18. Compliance with policy provisions
Failure to comply with any of the provisions contained in the
certificate of insurance shall invalidate all claims hereunder.
19. Statement of Purpose for Collection of Personal Data
All personal data collected and held by us will be used in accordance
with our privacy policy, as notified to the insured person from time to
time and available at this website: https://www.zurich.com.hk/en/
services/privacy
The insured person shall, and shall procure all other insured person
covered under the policy to, authorize us to use and transfer data
(within or outside Hong Kong), including sensitive personal data as
defined in the Personal Data (Privacy) Ordinance (Cap.486), Laws of
Hong Kong, for the necessary purposes as set out in our privacy
policy as applicable from time to time.
When information about a third party is provided by the insured
person to us, the insured person warrant that proper consents from
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the relevant data subjects have been obtained before the personal
data are provided to us, enabling us to assess, process, issue and
administer the certificate of insurance, including without limitation,
conducting any due diligence, compliance and sanction checks on
such data subjects.
20. Governing Law and Jurisdiction
The certificate of insurance shall be governed by and interpreted in
accordance with the laws and regulations of Hong Kong. Subject to
the Alternative Dispute Resolution clause herein, the parties agree to
submit to the exclusive jurisdiction of the Hong Kong courts.
21. Sanction
Notwithstanding any other terms under the certificate of insurance,
we shall not be deemed to provide coverage or make any payments
or provide any service or benefit to the insured person or other party
to the extent that such cover, payment, service, benefit and/or any
business or activity of the insured person would violate any
applicable trade or economic sanctions law or regulation. The above
clause shall also apply for any trade or economic sanction law or
regulation that we deem applicable or if the insured person or other
party receiving payment, service or benefit is a sanctioned person.
CLAIMS PROCEDURE
Step 1: Notify us within 30 days of any occurrence which may give rise to
a claim.
Step 2: Complete and provide a claim form and the following documents
to us.
Medical expenses
• Original medical bills issued by a clinic or hospital with the itemized
list and/or details of the medical expenses
• Copy of a dated medical report/certificate showing the name of the
insured person, diagnosis and treatment certified by medical
practitioner
• Referral letter issued by a medical practitioner certifying that the
recommendation for trauma counselling is based solely on the a
traumatic event the insured person has experienced during the
insured journey
Personal accident
• Copy of a death certificate
• Copy of a dated medical report/certificate issued by a medical
practitioner certifying the degree or severity of disability
• Police report and/or coroner’s report, where relevant
• Letters of administration or grant of probate
• (In the event of a disappearance) Presumption of death as
proclaimed by a court or documents proving the disappearance of the
body for one year due to sinking or wrecking of the transportation
means
Compassionate death cash/compassionate visit
• Copy of a death certificate
• Copy of documents for the proof of relationship (e.g. birth certificate,
marriage certificate, etc.)
• Original official receipts for the paid travel fare and/or accommodation
Personal Baggage
• Copy of police report (which must be made within 24 hours of the
occurrence) and/or property irregularity report from airline/public
common carrier, where relevant
• Original purchase receipts for the lost/damaged item(s)
• Copy of repair quotation for the damaged item(s)
• Photographs showing the extent of damage to the claim item(s)
Personal money, travel document and/or travel ticket, unauthorized
use of lost credit card
• Copy of police report (which must be made within 24 hours of the
occurrence)
• Original official receipts for extra accommodation fee, travel expenses
and replacement cost of the lost travel document and/or travel ticket
• Copy of notification to the issuing authority (which must be made
within 30 calendar days of the credit card statement issued by the
issuing authority or the date the insured person discovers the un-
authorization, whichever is the earlier)
• Copy of statements and investigation outcome issued by the credit
card issuing authority showing the incident of unauthorized use of
credit card
Baggage delay
• Copy of written report from the related public common carrier
including date, times and duration and reason of the delay
• Original purchase receipts for the emergency items due to baggage
delay
Travel delay/re-routing cost/extra hotel cost/loss of vacation
allowance/cancellation due to travel delay/involuntary journey
extension allowance/allowance for missed connection to cruise
ship/cruise rejoining expenses
• Copy of written report from the related public common carrier
including date, times and duration and reason of the delay
• Original receipt(s) issued by the public common carrier for the cost of
the actual ticket(s)
• Original official receipts for the prepaid travel fare and/or
accommodation and/or travel tour and/or shore excursion tour
Cancellation or curtailment of trip or single occupancy/shore
excursion cancellation allowance/involuntary change of cruise
destination allowance and additional travel document fee
• Original official receipts for the prepaid travel fare and/or
accommodation and/or travel tour and/or shore excursion tour
• Copy of a death certificate/dated medical report/certificate showing
the name of the insured person/close business partner/immediate
family members/travel companion/domestic partner, diagnosis and
treatment certified by medical practitioner
• Summons to a witness or jury service or compulsory quarantine
• Evidence showing the serious damage to the insured person’s
principal home
• Written confirmation from the public common carrier including date,
times in the event of mechanical and/or electrical breakdown
• Copy of documents for the proof of relationship (e.g. birth certificate,
marriage certificate, etc.)
• Copy of written confirmation issued by airlines/public common
carrier/cruise company/accommodation provider and travel agent
indicating whether there is any refund for the paid travel fare and/or
accommodation and/or travel tour and/or excursion tour
Personal liability
• Statement of the nature and circumstances of the incident or event
(No admission of liability or settlement can be made or agreed to
without our written consent)
• Copy of police report or incident report issued by relevant authority
• All associated documentation received in connection with the incident
or event (including copies of any summons, all court documents,
solicitors’ and other legal correspondence)
Rental Vehicle Excess
• Copy of vehicle rental agreement
• Copy of the comprehensive motor vehicle insurance showing details
of coverage and the deductible taken out by the insured person for
the rental vehicle
• Copy of incident report issued by vehicle rental company and/or
police report, both documents showing details of accident
• Original invoice/receipt showing the charge of the rental vehicle
excess and/or NOC by the rental company
Cruise Wifi cost for emergency call
• Copy of a dated medical report/certificate showing the name of the
insured person, diagnosis and treatment certified by medical
practitioner
• Official receipt issue by the cruise company as a proof of Wifi cost
incurred
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TVB-WOT-002-06-2024
Additional documents relevant to the claim may be required and to be
forwarded upon our request.
WHAT TO DO WHEN THE INSURED PERSON NEEDS HELP
In a medical or other emergency, call our 24-hour Zurich Emergency
Assistance hotline in Hong Kong +852 2967 1808 and quote the insured
person’s name and the master policy number printed on the certificate of
insurance. An experienced assistance coordinator will handle the insured
person’s enquiry.
To make a claim, call our claims hotline on +852 2903 9321. For our
customer service, call our enquiry hotline on +852 2903 9331. Our office
hours are Monday to Friday 9:00 a.m. to 5:30 p.m.
ENDORSEMENT TO CERTIFICATE OF INSURANCE –
APPLICABLE TO WORLDWIDE TOUR PLAN AND
CRUISEFUN PLAN ONLY
It is hereby declared and agreed that the following benefits are added to
the certificate of insurance:
Notwithstanding point 12 under Part 3 – General Exclusions, in the event
that the Hong Kong Security Bureau has hoisted the Black Outbound
Travel Alert (hereinafter called “OTA”) or Red OTA against the planned
destination(s) of an insured journey after the effective date of this
insurance, we will pay the following benefits to the insured person:
(a) Cancellation of trip
If the Black OTA or Red OTA is hoisted within one week before the
commencement date of the insured journey and the insured person
has to cancel such insured journey, or the travel agent has to
cancel the group tour travel due to Black OTA or Red OTA, we will
pay for the loss of unused travel fare and/or accommodation
expenses which have been paid in advance and for which the
insured person is legally liable and which are not recoverable from
any other sources, subject to the sub-limits below:
1. Black OTA – reimburse up to 100% of the loss of unused travel
fare and/or accommodation expenses which have been paid in
advance or up to the maximum benefits as stated in the Table of
Benefits under Section 9(a) – Cancellation of Trip, whichever is
lower.
2. Red OTA - reimburse up to 50% of the loss of unused travel fare
and/or accommodation expenses which have been paid in
advance or up to the maximum benefits as stated in the Table of
Benefits under Section 9(a) – Cancellation of Trip, whichever is
lower.
(b) Curtailment of trip
If the Black OTA or Red OTA is hoisted during the insured journey
(provided that the Black OTA or Red OTA was not hoisted on the
departure date) and the insured person has to abandon the insured
journey and return to Hong Kong, we will pay for the loss of unused
travel fare and/or accommodation expenses for which the insured
person is legally liable and which are not recoverable from any other
sources, and/ or additional actual travel fare and accommodation
expenses reasonable and necessarily incurred, subject to the sub-
limits below:
1. Black OTA – reimburse up to 100% of the loss of unused travel
fare and/or accommodation expenses and/or additional actual
travel fare and accommodation expenses or up to the maximum
benefits stated in the Table of Benefits under Section 9(c) –
Curtailment of Trip, whichever is lower.
2. Red OTA – reimburse up to 50% of the loss of unused travel fare
and/or accommodation expenses and/or additional actual travel
fare and accommodation expenses or up to the maximum
benefits as stated in the Table of Benefits under Section 9(c) –
Curtailment of Trip, whichever is lower.
In the event that the insured journey is a packaged group tour
arranged by travel agent, the benefit payable for the curtailment
expenses in relation to the loss of unused travel fare and/or
accommodation expenses forfeited will be calculated in proportion
of the packaged group tour cost to the number of days remaining
after the relevant interruption of the insured journey.
Special condition applicable to the above (a) and (b):
The insured person must first recover the tour fees and/or
travelling/accommodation fees from the travel agent and/or public
common carrier and/or provider of any service before we pay the
remaining irrecoverable costs.
(c) Refund of administration fee charged by the travel agent and/or
visa fee
If the Black OTA or Red OTA is hoisted within one week before the
commencement date of the insured journey and the insured person
has to cancel such insured journey, we will pay the irrecoverable
administration fee charged by the travel agent/public common
carrier/hotel and/or visa fee paid for the entry into the planned
destination(s), up to HKD 300 in aggregate to the insured person.
(d) Involuntary journey extension allowance
If the circumstance(s) or incident(s) leading to the issuance of the
Black OTA being hoisted during the insured journey (provided that
the Black OTA was not hoisted on the departure date) prevent(s)
the insured person from completing the insured journey within the
period stated in the original itinerary and cause(s) the insured
person to stay at the planned destination involuntarily while the
Black OTA to be hoisted, we will pay a daily allowance of HKD 500
to the insured person, up to a maximum of 10 calendar days.
Special condition applicable to the above (d)
1. Should a loss arise for which a claim for Section 8(a) under the
certificate of insurance is payable, no further claims shall be
payable under this Section (d) arising from the same cause.
2. Should a loss arise for which a claim for Section 11(a) under the
certificate of insurance is payable, no further claims shall be
payable under this Section (d) arising from the same cause.
Exclusions:
This endorsement does not cover:
1. if the Red or Black OTA is hoisted or announced to the destination(s)
listed in the itinerary before the effective date;
2. if the insured person refuses to take the first available alternative
transportation offered by the original public common carrier
(applicable to (d) only);
Other benefits, terms and conditions as stated in the certificate of
insurance remain unchanged.
(In the event of any discrepancies or inconsistencies between the English
and Chinese versions of the T&C, the English version shall prevail.)
13
TVB-WOT-002-06-2024
條款及細則
「外遊樂」旅遊保險計劃
及
「郵輪樂」旅遊保險計劃
本「外遊樂」及「郵輪樂」旅遊保險計劃的「條款及細則」乃屬於「保險證書」之一部份，需連同「保險證書」及由「旅行社」發出之「購買收據」一同
閱讀。
第一部份 – 詞彙的定義
本「條款及細則」內某些詞彙具有指定含意，釋義已分別列明如下。為方
便識別有關詞彙，特將此等詞彙全部加上引號。
「意外」
在「受保旅程」中，任何不可預見或預料並導致「受保人」蒙受「損傷」
之突發事件。
「住宿」
房租費用。
「保險證書」
本保險證書，包括「條款及細則」，及於保險證書第五部份－基本條款第
一項提及的所有文件。
「中國」
中華人民共和國，惟不包括「香港」及澳門。
「中醫」
任何根據「香港」法律內的中醫藥條例合法註冊成為中醫的人士，但如該
中醫為「受保人」本人或「直系親屬」或「同居伴侶」則除外。
「緊密商業夥伴」
「受保人」的緊密商業夥伴（為「香港」居民），可提供其商業註冊或公
司的註冊文件予「本公司」作為證明。
「強制隔離」
「受保人」必須入住「醫院」內之隔離病房或政府指定之隔離地點最少一
整日，並連續逗留於該隔離地點直至可以離開隔離區為止。此定義並不包
括自我隔離或家居隔離。
「住院」
「受保人」因「損傷」或「疾病」而須遵照「醫生」囑咐入住「醫院」接
受治療並在出院前一直逗留於「醫院」內。「受保人」須出示「醫院」發
出的每日病房及膳食費用單據，以作證明。
「同居伴侶」
一名年齡 18 歲或以上、選擇以親密和忠誠的關係與「受保人」共同生活
的未婚成年人，與「受保人」同居於一起最少三年並以此為長遠目標，以
及能提供相關住址證明。同居伴侶並不包括室友或任何「直系親屬」。
「生效日期」
(i) 「保險證書」的簽發日期或 (ii) 第九節－取消行程保障開始生效之日
期，以較遲者為準。
「覆診」
直接因「受保人」在「受保旅程」中已接受治療或「住院」的「損傷」或
「疾病」所引致的治療。
「香港」
中華人民共和國香港特別行政區。
「醫院」
符合下列所有條件的機構：
• 持牌醫院（如所在國家或司法管轄區規定領有牌照）；及
• 主要業務為接受患病、染恙或受傷人士住院及提供醫療護理服務；及
• 駐有註冊護士或合資格護士每天24 小時提供看護服務；及
• 有一名或以上持牌「醫生」時刻駐院；及
• 提供有組織的設施為住院病人進行醫學診斷及大型外科手術；及
• 主要業務並非診所、護理院、療養院、復康院或同類機構，亦非戒酒
所或戒毒所。
「疾病」
「受保人」於「受保旅程」中感染及開始患上的疾病或病症，以致構成
「保險證書」所承保的損失。
「直系親屬」
「受保人」的配偶、父母、配偶父母、祖父母／外祖父母、配偶的祖父
母、子女、女婿或媳婦、兄弟姊妹、孫兒女或合法監護人。
「傳染病」
指於某一個區域突然及不可預料地爆發經由人傳人感染的傳染病（而「受
保人」是原定前往該區），並迅速及廣泛傳播多人，導致該國家的確診人
數異常地上升，及有關資料由政府認可的醫療衛生部門或機構公開發佈及
記錄。此定義並不適用於任何擴散至被「保險證書」定義為「大流行病」
的傳染病。
「損傷」
純粹因「意外」而非任何其他事故下所蒙受之身體損傷。
「受保旅程」
由「受保人」離開香港入境事務處／櫃檯開始，直至「受保人」(i)在列明
於「購買收據」內之日期返回「香港」或(ii) 返回「香港」境內抵達香港入
境事務處／櫃檯為止，二者以較先為準。
「受保人」
「購買收據」或批註內註明為受保人之人士。
「行程表」
在「受保旅程」開始前已由「公共交通工具」機構、「旅行社」、旅遊承
辦商或郵輪公司確定，並連同「購買收據」或確認文件一同簽發的詳細計
劃「海外」行程。
「失聰」
「永久」及無法恢復之聽力，如：
a
- 分貝 = 500 赫茲失聰
b
- 分貝 = 1,000 赫茲失聰
c
- 分貝 = 2,000 赫茲失聰
d
- 分貝 = 4,000 赫茲失聰
即1/6 (a + 2b + 2c + d) 高於 80 分貝。
「斷肢」
失去手腕或足踝處或其以上的肢體部份。
「失明」
視力完全喪失及「永久」無法復原。
14
TVB-WOT-002-06-2024
「喪失說話能力」
無法發出說話所需的四種語音中的三種，例如唇音、齒齦音、顎音及軟顎
音，或聲帶完全喪失功能，或大腦控制說話的中樞受損，導致語言失能症。
「殘廢」
「永久」完全喪失功能效用，或完全或「永久」失去肢體或器官。
「最高賠償額」
列於「保險證書」的保障表內每項保障的賠償額。
「醫療必須費用」
「受保人」於「受保旅程」中由第一日遭遇「損傷」或感染「疾病」起計
所須支付予「醫生」、物理治療師、護士、「醫院」及／或救傷車服務的
費用，包括醫藥、手術、X光檢查、「醫院」或護理治療包括醫療用品及
租用救傷車的費用，但不包括「保險證書」內第二部份第二節(b)－緊急醫
療運送及／或運返或第二節(c)－遺體運返兩項保障所需的任何費用。「保
險證書」僅負責賠償經由「醫生」所處方或治療的費用。倘「受保人」可
從其他來源取回全部或部份費用，「本公司」則根據「保險證書」條款負
責賠償剩餘的費用。
「醫生」
擁有西方醫藥學位，及已獲准在其執業的地區合法提供醫療或外科服務的
人士，惟「受保人」或「直系親屬」或「同居伴侶」除外。
「購買收據」
由「旅行社」發給「受保人」的正式收據，收據上註有指定之證書號碼。
「海外」
列明於「行程表」內的「受保旅程」目的地，但不包括「香港」及旅程出
發的城市。
「大流行病」
• 當一種具有傳播性的疾病於全球數個國家內盛行及在有關當地人口中
廣泛傳播，引致此等國家的感染人口比例異常地高，及有關資料由政
府認可的醫療衛生部門或機構公開發佈及記錄，任何此情況均視為大
流行病；或
• 被世界衛生組織宣佈為大流行病的疾病。
「永久」
「意外」事故發生之日起計，損害情況持續至少 12 個月，並於此段時間
終結時沒有好轉之跡象。
「投保前已存在的傷疾」
「受保人」、「同行人士」、「直系親屬」、「緊密商業夥伴」或「同居
伴侶」於「保險證書」「生效日期」前 180 天內出現任何「病徵」或狀況
而經「醫生」之建議曾接受：(i)任何藥物治療、或(ii)任何確診、或(iii)任何
醫療意見，或(iv)使用任何處方服藥而導致向「保險證書」之索償。
「主要居所」
在「香港」被用作為私人住宅的屋苑或樓宇，而該屋苑或樓宇須為「受保
人」唯一的永久住所。
「公共交通工具」
任何由個別公司或個人持牌出租以接載付款乘客的機動客運交通工具，包
括但不限於公共巴士、旅遊巴士、的士、渡輪、郵輪、氣墊船、水翼船、
輪船、火車、電車、地下火車、及註冊的航空公司或包機公司營運以接載
付款乘客的飛機及直升機，來往於商業機場或直升機場之間、及有固定班
次的機場巴士。
「有關文件」
包括申請書、「購買收據」、「保險證書」、「條款及細則」、保障表、
聲明、附加契約、批單、附件及修訂本（不論以口述或書面形式或網上形
式）。
「嚴重損傷」或「嚴重疾病」
需經由「醫生」治療的損傷或疾病，並經「醫生」證實「受保人」或「同
行人士」不適宜旅遊或繼續其原訂的旅遊行程。若套用於「直系親屬」、
「緊密商業夥伴」或「同居伴侶」，是指他們經「醫生」證明該損傷或疾
病需接受治療及會有生命危險，以致「受保人」需要停止或取消原定「受
保旅程」。
「病徵」
個別人士於失調或病症前經歷的症候及跡象。
「恐怖活動」
任何個人或團體，不論獨自行動或代表任何組織或與任何組織有關連，為
達到政治、宗教、信念或類似目的，作出任何意圖影響任何國家、政治部
門，或由此而威脅公眾或任何國家的部份公眾的行為、準備或恐嚇的行動。
任何恐怖活動必須經有關政府確認及公開宣布。惟本定義並不包括「戰
爭」、侵略、外敵行動、敵對局面（不論曾正式宣戰與否）、內戰、叛亂、
暴動、軍事力量或政變，或任何使用核子技術的行為。
「三級燒傷」
皮膚所有皮層及皮下組織被燒毀。
「完全傷殘」
「受保人」遭遇「意外」而蒙受「損傷」，並且於事發後連續 90 日內完全
不能從事任何根據「受保人」的學歷、專業訓練或經驗而可賺取薪金、酬
勞或利益的工作。如「受保人」並無從事任何職業或工作，則指其喪失應
付日常生活事務的能力。
「旅行社」
香港永安旅遊有限公司。
「同行人士」
與「受保人」一同報名參加或預訂旅遊行程的人士，於整個「受保旅程」
一直與「受保人」同行，而非其導遊或團友。
「旅行票」
用以乘坐任何「公共交通工具」的旅行票。
「戰爭」
兩國或多國因任何事故交戰，或主權國家之間的武裝衝突，不論正式或未
正式宣戰的公開軍事衝突，又或國與國之間經國家正式批准而：(i)宣布終
止和平關係；及(ii)陷入武裝敵對局面。
「本公司」
蘇黎世保險有限公司。
第二部份 – 保障內容
以下各項保障是根據「購買收據」內列明「受保人」已選擇的計畫級別配
對保障表內的保障範圍及賠償限額。
第一節 – 醫療保障
(a) 醫療費用
如「受保人」於「受保旅程」中蒙受「損傷」或感染「疾病」，「本
公司」會賠償「受保人」合理的實際「醫療必須費用」予「受保
人」。
– 包括「覆診」費用
本節亦承保「受保人」於返回「香港」後六個月內，因「損傷」或
「疾病」需要「覆診」的醫藥治療，「本公司」將負責賠償「受保
人」所需的實際「醫療必須費用」，但不超過保障表所載之「覆診」
費用限額。而「覆診」費用當中亦包括「中醫」診治，每日每次上限
為200 港元，最高為 2,000 港元。
(b) 「海外」「醫院」求診之交通費用
「本公司」將支付「受保人」於「受保旅程」中蒙受「損傷」或感染
「疾病」而需往「海外」「醫院」求診之實際來回「醫院」交通費用
（索償時需提供有關交通費用之發票／或收據）。
(c) 「海外」住院現金津貼
如「受保人」在「受保旅程」中蒙受「損傷」或感染「疾病」而需於
「海外」「醫院」「住院」，「本公司」將支付每日現金津貼予「受
保人」。
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(d) 「強制隔離」現金津貼
如「受保人」於「受保旅程」中在「海外」因被懷疑或確診感染不可
預見的「傳染病」而在「受保旅程」被當地政府「強制隔離」，或於
「受保旅程」完結後返回「香港」三日內被「香港」政府「強制隔
離」，「受保人」可於被「強制隔離」期間獲得每日隔離現金津貼。
如因同一「受保旅程」多於一次「強制隔離」，本保障的合共總賠償
額不超過保障表所載之「最高賠償額」。
第一節(d)的特別條款
1. 任何家居隔離並不包括於此保障之內。
2. 如於「受保旅程」出發當日或之前，有關之行程目的地已被宣布
為疫埠，則不會獲得任何保障。
(e) 「覆診」「住院」現金津貼
如「受保人」在「受保旅程」返回「香港」後六個月內於「損傷」或
感染「疾病」而需於「醫院」「住院」，「本公司」將支付每日現金
津貼。
第一節的不承保事項
本節並不承保：
1. 任何非必要或並非由「醫生」建議的醫療治療；在身體狀況許可下，
「受保人」拒絕依循「醫生」之建議返回「香港」，或拒絕繼續其「受
保旅程」而引致之任何損失；
2. 任何未能提供「醫生」或「中醫」的醫療報告證明的手術或治療；
3. 根據「醫生」的意見，在合理情況下該手術或治療在「受保旅程」中並
非急切及醫療必須，而且可合理地延期至「受保人」返回「香港」後或
經蘇黎世緊急支援安排緊急醫療運送返至其擁有公民身份之國家或已申
報最終目的地的國家後進行；
4. 牙科護理及治療，除非於「受保旅程」中因「損傷」導致健全及天然之
牙齒所引致之緊急及必須的診治費用；
5. 整容手術、糾正眼球折射的誤差或配用助聽器，採購或採用特別支架、
儀器或裝置及有關的處方費用，除非是於「受保旅程」中因「損傷」導
致之必要費用並由「醫生」以書面建議使用；
6. 「受保人」非返回香港而需在其擁有公民身份之國家或已申報最終目的
地的國家以外的地方的「覆診」費用（只適用於「保險證書」第二節
(b) 所述情況）或任何以「香港」政府發出之醫療券支付之「覆診」治
療費用；
7. 任何「醫院」內獨立或私人房間「住宿」、特別或私家看護的額外費
用，惟第二節(b)項所述的緊急醫療運送所需費用除外；非醫療用的個
人服務，包括收音機、電話及類同的物品。
第二節 – 蘇黎世緊急支援
「受保人」在「受保旅程」中蒙受「損傷」或感染「疾病」，蘇黎世緊急
支援將安排以下保障及支付有關所需費用：
(a) 入院保證金
蘇黎世緊急支援將為每名「受保人」提供因入住「醫院」而需繳付的
住院保證金，惟不超過 78,000 港元。如該保證金之用途並非「保險證
書」內第一節－醫療保障承保之項目，則金額需退還給「本公司」，
並一律由「受保人」自付。
(b) 緊急醫療運送及／或運返
「受保人」因緊急運送至其他地方接受治療，或運返「香港」或其擁
有公民身份或已申報最終目的地的國家所引致的必要及無可避免的交
通、醫護服務及醫療用品費用。離境的時間、交通工具及離境最後目
的地將由蘇黎世緊急支援完全根據醫療需要作出決定。
(c) 遺體運返
將「受保人」遺體從身故地運送回「香港」或其擁有公民身份或已申
報最終目的地的國家所引致合理及無可避免的開支，又或經蘇黎世緊
急支援批准於身故地殮葬的費用。費用包括殯儀承辦者提供有關棺
材、防腐和火化事宜上的實際費用。
(d) 「住宿」費用
蘇黎世緊急支援將支付「受保人」因接受緊急醫療運送後（如第二節
(b) 定義）以恢復「受保旅程」的行程或返回「香港」前所引致的必要
及無可避免酒店「住宿」費用。本節的賠償上限為每日 1,950 港元及
每「受保旅程」7,800 港元。惟此費用必須基於醫療需要及預先得到蘇
黎世緊急支援獨有決定權批核。
(e) 24小時電話熱線諮詢及轉介服務
i.
啟程前諮詢援助
ii.
轉介領使館
iii.
轉介醫療服務人員或機構
iv.
遺失護照援助
v.
遺失行李援助
vi.
轉介傳譯服務
vii.
轉介律師
viii.
電話醫療顧問服務
ix.
住院期間監察病情
x.
醫療費用保證金安排
除非「保險證書」另行訂明承保，有關以上(ix)及(x)項的服務，「受保
人」必須負責支付「醫院」、「醫生」（「本公司」批准的醫生除
外）或任何其他醫療專業團體或人士收取的費用。
蘇黎世緊急支援由蘇黎世保險有限公司所委任的服務機構提供。
第二節的不承保事項
下列情況提及的任何服務或其費用將不受保障：
1. 如「受保人」身處的地點有爆發「戰爭」的危險或政治危機，以致實際
上無法提供本節訂明的服務；
2. 事前未經蘇黎世緊急支援書面同意及／或未經由蘇黎世緊急支援安排緊
急醫療運送或遺體運返或其他費用。如「受保人」必須從偏遠或落後地
區緊急撤離就醫而事前無法通知蘇黎世緊急支援，鑒於任何延誤可能危
害「受保人」性命或構成嚴重影響，此情況則屬例外；
3. 任何有違「醫生」勸喻，而到「香港」境外的國家旅遊或居住；
4. 「受保人」離開「香港」旅行或居住之目的是為啟程前已發生的意外或
疾病而接受治療、休養或療養。
第三節 – 個人「意外」
如「受保人」因遭遇以下第三節(a)或(b)項列明之「意外」事故而蒙受
「損傷」，而該「損傷」於「意外」發生後連續 90 天內引致以下賠償表
內任何之保障項目，「本公司」將根據賠償表列明該項目的「最高賠償
額」百分比作出賠償。
(a) 乘坐「公共交通工具」之「意外」
「受保人」在「受保旅程」中，純粹以繳費乘客身份（並非操作員、
機師或機員）乘坐、登上或離開任何「公共交通工具」時蒙受「損
傷」。
(b) 其他「意外」
「受保人」在「受保旅程」中並非因第三節(a)之「意外」導致之「損
傷」。
(c) 「恐怖活動」引致之「意外」額外保障
如「受保人」因遭遇「恐怖活動」而蒙受「損傷」，「本公司」會於
第三節(a)或(b)的賠償以外支付額外賠償。此額外賠償將根據賠償表列
明該項目的「最高賠償額」。
賠償表
保障項目
a.「意外」死亡及傷殘
「最高賠償額」
百分比
1.
死亡
100%
2.
「永久」「完全傷殘」
100%
3.
四肢「永久」癱瘓
100%
4.
雙眼「永久」完全「失明」
100%
5.
一眼「永久」完全「失明」
100%
6.
喪失任何雙肢或任何雙肢「永久」完全「殘廢」
100%
7.
喪失任何一肢或任何一肢「永久」完全「殘廢」
100%
8.
「喪失說話能力」及「失聰」
100%
9.
「永久」及無法痊癒之精神錯亂
100%
10.
「永久」完全「失聰」：
(a) 雙耳
(b) 單耳
75%
15%
11.
完全「喪失說話能力」
50%
12.
「永久」完全喪失一眼晶狀體
50%
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13.
喪失四隻手指及姆指或「永久」完全「殘廢」
(a) 右手
(b) 左手
70%
50%
14.
喪失四隻手指或「永久」完全「殘廢」
(a)
右手
(b)
左手
40%
30%
15.
喪失一隻姆指「永久」完全「殘廢」
(a)
兩個右關節
(b)
一個右關節
(c)
兩個左關節
(d)
一個左關節
30%
15%
20%
10%
16.
喪失手指或「永久」完全「殘廢」
(a)
三個右關節
(b)
兩個右關節
(c)
一個右關節
(d)
三個左關節
(e)
兩個左關節
(f)
一個左關節
15%
10%
7.5%
10%
7.5%
5%
17.
喪失腳趾或「永久」完全「殘廢」
(a)
所有腳趾 — 一隻腳
(b)
腳拇趾 — 兩個關節
(c)
腳拇趾 — 一個關節
20%
7.5%
5%
18.
倘「完全」傷殘狀況並未包括於上述保障項目10至17 內，
「本公司」有絕對決定權以符合上述傷殘程度之比例釐定應
予賠償「最高賠償額」百分比，但不會與以上第10至17 項之
百份比不一致。
b.「三級燒傷」
「最高賠償額」
百分比
部位
燒傷部位佔表面總面積的百分比
頭部
(a) 燒傷佔「頭部」表面總面積達8%或以上
100%
(b) 燒傷佔「頭部」表面總面積達5%或以
上，但不足8%
75%
(c) 燒傷佔「頭部」表面總面積達2%或以
上，但不足5%
50%
身體
(a) 燒傷佔身體表面總面積達20%或以上
100%
（不包括
頭部）
(b) 燒傷佔身體表面總面積達15%或以上，但
不足20%
(c) 燒傷佔身體表面總面積達10%或以上，但
不足15%
75%
50%
i.
同一宗「意外」事件中只會獲賠償以上保障項目的其中一項。假如
在同一次「意外」事件中遭受多於一項保障項目，則只會獲得較高
賠償之保障項目。
ii.
任何於「保險證書」內之「受保人」就上述任何一項保障項目獲得
賠償後，該「受保人」於「保險證書」內之所有保障即時終止，但
不會影響因該「意外」所導致的索償事宜。
iii.
如「受保人」蒙受「損傷」前已有任何與以上2-17保障項目所述的
殘缺，而在「保險證書」所承保之「損傷」後導致完全殘缺或「完
全傷殘」，「本公司」會就該「損傷」所引致的殘缺部份決定「最
高賠償額」之百分比作為賠償。而於「損傷」前已出現的任何完全
殘缺，則不會獲得任何賠償。
第三節的附加保障
1.
於本節中，「本公司」提供額外保障予「受保人」於以下時間蒙受的
任何「損傷」：
(a)
「受保人」於安排乘坐的「公共交通工具」預定離港時間前三小時
內，直接從「香港」住所或慣常工作地點啟程到「香港」入境事務
處 ／櫃檯以開始「受保人」的「受保旅程」；及
(b)
「受保人」在結束「受保旅程」時，於安排乘坐的「公共交通工
具」實際抵港時間後三小時內，直接從「香港」入境事務處 ／櫃
檯返回「受保人」的「香港」住所或慣常工作地點。
2.
失蹤條款
倘若「受保人」乘搭之「公共交通工具」發生「意外」，並導致失
蹤、墮毀或沉沒，而「受保人」之遺體於該次「意外」事件發生後一
年內，仍無法尋回；「本公司」將視「受保人」在「保險證書」承保
的「意外」事故中死亡而作出賠償。
第三節的不承保事項
本節並不承保一切由病毒及／或疾病引致的死亡或損傷。
第四節 – 緊急啟程費用保障
(a) 緊急啟程費用
如「受保人」在「受保旅程」中死亡、遭遇「嚴重損傷」或患上「嚴
重疾病」，「本公司」將支付兩名「直系親屬」（其中一名可為「同
居伴侶」）前往該地的來回經濟客位「旅行票」，或為兩名合適的
「同行人士」因停留當地而提供每人一張單程經濟客位「旅行票」，
以及於當地實際而合理的酒店「住宿」費用，以陪伴及照顧「受保
人」。本保障只可在同一「受保旅程」中索償一次。
(b) 交通津貼
如「本公司」已確認第四節(a)之保障，「本公司」亦會以保障表所載
之「最高賠償額」為限支付每日交通津貼予「受保人」，以便其「直
系親屬」或「同居伴侶」或「同行人士」前往「醫院」探望「受保
人」。
(c) 子女護送
如「受保人」在「受保旅程」中死亡或因蒙受「嚴重損傷」或患上
「嚴重疾病」而需在 「 海外 」「醫院」「住院」，其同行 15 歲以下
的子女在餘下「受保旅程」中沒有其他「直系親屬」陪伴照顧，「本
公司」將支付一名「直系親屬」前往該地的來回經濟客位「旅行
票」，或為一名合適的「同行人 士」因停留當地而提供一張單程經濟
客位「旅行票」，以及於當地實際而合理的酒店「住宿」費用，以陪
伴該子女返回「香港」（或已申報最終目的地之國家）。
(d) 身故恩恤金
如「受保人」在「受保旅程」中死亡（「意外」或自然），「本公
司」將賠償身故恩恤金予其遺產承繼人。
(e) 高山症引致之額外身故恩恤金
如「受保人」在「受保旅程」中經由「醫生」診斷證明因高山症而引
致死亡，「本公司」將賠償額外身故恩恤金予其遺產承繼人。
第五節 – 個人行李保障
行李及個人財物
如「受保人」穿戴或攜帶的個人財物，包括屬於其個人的行李或物品，於
「受保旅程」中意外遺失或損毀，「本公司」將作出賠償。如任何個人物
品或個人財物放置於無人看管之車輛內，則須存放於已上鎖車輛的行李廂
或車輛後座背後之儲物位置內。
「本公司」有權根據其損耗及折舊程度賠償其重估價值或維修此物品。若
修理費用超越損毀物品之價值時，「本公司」於處理該賠償申請時，會視
該物品已遺失。個人行李的個別限額已列明於保障表內。
第六節 – 個人現金、旅行證件及信用卡保障
(a) 個人現金
如「受保人」在「受保旅程」中因被搶劫、爆竊或偷竊而損失隨身攜
帶或放在已上鎖的酒店客房或郵輪客房內之現金或鈔票，「本公司」
會向「受保人」作出賠償。
(b) 遺失旅行證件及／或「旅行票」及／或遺失之信用卡被盜用
如「受保人」的香港身份證、信用卡、駕駛執照、「旅行票」或旅行
證件於「受保旅程」中意外遺失，「本公司」將支付其補領費用。
如「受保人」於「受保旅程」意外遺失旅行證件或「旅行票」，「本
公司」將支付「受保人」因補領旅行證件或「旅行票」所衍生的額外
交通及／或「住宿」費用，惟交通座位及／或「住宿」房間等級不能
比「受保人」「受保旅程」內所載明之等級為高。
如「受保人」在「受保旅程」中因意外遺失信用卡因而導致信用卡於
「受保旅程」期間被盜用。「本公司」將賠償因此所引致的金錢損
失。
第五及第六節的不承保事項
此兩節並不承保：
1. 在發現遺失後24小時內未向當地警方或公共機構報告及未能提供有關
報告的任何損失；
2. 在酒店或「公共交通工具」機構保管下引致的任何財物損失或損毀，
除非發現損失後即時（及／或於三天內）向該等機構報告及獲得由其
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發出之書面證明；
3. 在發現遺失信用卡後，未即時向當地有關簽發機構或代理公司報告；
4. 因以下原因引致之任何損失：因海關或檢疫條例而被扣留或破壞；或
被政府或有關機構充公或扣查之違禁品或非法攜帶或交易的物品；
5. 在公眾場所因無人看管下或在沒有上鎖的車輛內引致的任何財物損
失，任何原因未明的遺失或神祕失蹤；或因「受保人」沒有行使應有
的謹慎及預防措施保管其財物而導致的損失；
6. 任何遺失或損毀之物品已受其他保險承保，或已獲「公共交通工具」
機構或酒店或其他機構賠償的損失
7. 以下之物品：商業貨品或樣本、食品或飲料及／或藥物、煙草、隱形
眼鏡、假牙及／或其配備、單車、古董、任何黃金，白金，鑽石，翡
翠或珍珠、任何易碎或易破物品的損毀，如玻璃或水晶、金錢（包括
支票，旅行支票等）、電子貨幣（包括信用卡或八達通的信用額
等）、手提電話（包括電子手帳電話，任何擁有對話功能之類似儀器
及其他配件）（「外遊樂」全球旅遊計劃及「郵輪樂」旅遊計劃除
外）、票（「旅行票」除外）、票券或證券；任何金錢損失，除非是
是列明受保於第六節(a) ；
8. 與「受保人」不同「公共交通工具」寄運之物品，或因獨立郵寄或付
運紀念品與物件所引致的損失；
9. 租借物品之遺失或損毀；
10. 任何因欺詐或行騙引致的損失；
11. 於是次「受保旅程」無需使用之任何旅遊證件及／或簽證及／或「旅
行票」；
12. 「受保人」未有或延誤補領證件而需繳納的任何罰款；
13. 信用卡被「直系親屬」或「同居伴侶」盜用。
第七節 – 行李延誤保障
如「受保人」已登記寄艙的行李於「受保人」實際抵達「海外」目的地後
超過 10 小時，該行李仍未送抵，不論已登記寄艙的行李數目多寡，「本
公司」將按保障表所載，向「受保人」賠償一筆行李延誤津貼，而每件被
延誤的相同寄艙行李只可由一名「受保人」索償一次。
如「受保人」已登記寄艙的行李於「受保人」抵達「香港」後逾 10 小時仍
未送抵，「本公司」將賠償「受保人」於行李延誤期間需購買應急必需衣
物及梳洗用具的實際費用。
本保障只可在同一「受保旅程」中索償一次。
第七節的特別條款
於索償時必須提供「公共交通工具」機構書面證明其延誤時間及原因以作
證明。
第七節的不承保事項
本節並不承保：
1. 任何並非與「受保人」所乘坐的「公共交通工具」同時寄運之行李，
或因獨立郵寄或付運紀念品與物件所引致的損失；
2. 「受保人」未能遞交臨時購買緊急必需品收據（只適用回程旅程）；
3. 因以下原因引致之任何損失：因海關或檢疫條例而被扣留或破壞；或
被政府或有關機構充公或扣查之違禁品或非法攜帶或交易的物品。
第八節 – 行程延誤保障
如「受保人」安排乘坐及列明於原定「行程表」上之「公共交通工具」的
出發或到達時間因罷工或其他工業行動、騷亂、暴亂、被騎劫、惡劣天氣、
天災、「公共交通工具」的機械及／或電路故障或機場關閉而延誤，「本
公司」會按以下賠償保障予「受保人」：
(a) 行程延誤
每滿六小時的延誤，「本公司」會賠償 300 港元。延誤時間將以下列
其中一項方式計算：
• 出發延誤是由列明於「受保人」原定「行程表」上之「公共交通
工具」的開出時間，直至(i)該「公共交通工具」的實際開出時間
或(ii) 由該「公共交通工具」機構安排的首班取替交通工具的實際
開出時間作出計算；或
• 到達延誤是由列明於「受保人」原定「行程表」上之「公共交通
工具」的到達時間，直至(i)該「公共交通工具」的實際到達時間
或(ii) 由該「公共交通工具」機構安排的首班取替交通工具的實際
到達時間作出計算。
在同一班次的「公共交通工具」延誤下，「受保人」只可索償出發延
誤或到達延誤其中一項。假如「受保人」有連續的接駁航班，不論轉
機所需之時間，延誤均以「行程表」上列明和實際之出發或到達時間
的差別作出計算，而延誤的主因必須為於第八節第一段之事故所導
致。
(b) 更改行程費用
「受保人」安排乘坐的「公共交通工具」延誤超過 10 小時，「受保
人」需自行安排乘坐其他「公共交通工具」前往列明於原定「行程
表」內目的地或郵輪停泊港口，「本公司」會支付所需之「旅行票」
（只限經濟客位），惟以不超過保障表所載之「最高賠償額」為上
限。本保障只可在同一「受保旅程」中索償一次。
(c) 額外酒店費用
「受保人」於「香港」境外因延誤超過六小時所引致的額外及合理而
且無法從其他途徑取回之「住宿」費用。
(d) 假期損失津貼
若「受保人」因行程延誤超過 24 小時（基於第八節(a)的延誤時間計
算方法），「受保人」仍繼續開始其於「海外」之「受保旅程」，每
滿24 小時的延誤，「本公司」會賠償 500 港元。
(e) 因行程延誤而取消行程
i. 「受保人」安排乘坐的「公共交通工具」因延誤超過10小時而決
定取消這次「受保旅程」，「本公司」將賠償「受保人」已支付
而不能從其他途徑追討的旅遊費用及 ／或「住宿」費用。
ii. 只適用於「郵輪樂」旅遊計劃: 如「受保人」安排乘坐接駁其於
「海外」的郵輪旅程的「公共交通工具」比列明於原定「行程
表」到達時間延誤超過10小時而直接導致「受保人」無法登上原
訂郵輪及需要取消郵輪旅程，「本公司」會賠償「受保人」因取
消郵輪旅程而被沒收及無法從其他途徑追討的郵輪旅程費用。
第八節的特別條款
1. 「受保人」必須已經在原定出發前辦理「公共交通工具」的登機手
續。
2. 於索償時必須提供「公共交通工具」機構書面證明其延誤時間及原因
以作證明。
3. 就同一事故所引發的損失，如「受保人」已索償第八節(e)(i)，則「保
險證書」內所有其他保障不會獲得賠償（除非「受保人」是啟程到
「香港」入境事務處／櫃檯以開始其「受保旅程」途中，則第三節的
附加保障第一點(a)除外）。
4. 就同一事故所引發的損失，如「受保人」已索償第八節(e)(ii)，於第八
節(b)至(d)均不會獲得賠償。
5. 就同一事故所引發的損失，如「受保人」已索償第十一節(a)，於第八
節(a)不會獲得賠償。
6. 就同一事故所引發的損失，如「受保人」已索償「保險證書」批單內
(d)節，於第八節(a)不會獲得賠償。
第八節的不承保事項
本節並不承保：
1. 因「受保人」遲到機場或碼頭所引起的任何損失（即在最後登記時間
結束後才到達，惟因「公共交通工具」機構員工罷工導致遲到除
外）；
2. 任何因當地政府或有關機構的航空管制而引致的損失；或任何因政府
法例及規條限制引致的損失；
3. 任何受保於其他保險計劃的事項、政府計劃所承保的項目或已由「旅
行社」、旅遊承辦商或「行程表」內提供服務的機構 ／人士承諾賠償
或退款（惟第八節(a)及(d)除外）；
4. 「受保人」未能登上有關「公共交通工具」機構所安排之首班取替之
交通工具所引致之損失。
第九節 – 行程阻礙保障
(a) 取消行程
如「受保人」因以下事故而必須要取消「受保旅程」：
i. 「受保人」、「直系親屬」、「同行人士」、「緊密商業夥伴」
或「同居伴侶」於「受保旅程」出發前90日內（適用於「外遊
樂」旅遊計劃）或180日內（適用於「郵輪樂」旅遊計劃）死亡、
蒙受「嚴重損傷」或患上「嚴重疾病」；
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ii. 「受保人」於「受保旅程」出發前90日內（適用於「外遊樂」旅
遊計劃）或180日內（適用於「郵輪樂」旅遊計劃）被傳召作證
人、履行陪審員責任或需按規定接受「強制隔離」；
iii. 於「受保旅程」出發前一星期內，預定前往之目的地發生罷工、
騷亂、暴亂、惡劣天氣、天災或「傳染病」；
iv. 「受保人」在「香港」的「主要居所」於「受保旅程」出發前一
星期內因火災、水浸、或盜竊而嚴重損毀，而警方需要「受保
人」於出發當日留於該處協助調查；
「本公司」將賠償「受保人」無法從其他途徑追討已支付及須依法支
付的旅遊費用及／或「住宿」費用。
(b) 單人啟程
如在「受保旅程」出發前一星期內，「同行人士」因死亡、蒙受「嚴
重損傷」或患上「嚴重疾病」而無法啟程，但「受保人」仍然決定繼
續展開行程，「本公司」將補償因單獨繼續行程而必須補回的旅程費
用差額（包括已預先支付之「旅行票」及／或「住宿」費用，旅遊套
票）。
第九節(a)及(b)的特別條款
1. 就同一事故所引發的損失，「受保人」只能索償第九節(a)或第九
節(b)其中一項保障。
2. 就同一事故所引發的損失，如「受保人」已索償第九節(a)，則
「保險證書」內所有其他保障不會獲得賠償（除非「受保人」是啟
程到「香港」入境事務處／櫃檯以開始其「受保旅程」途中，則第
三節的附加保障第一點(a)除外。)
(c) 縮短行程
如「受保人」於「受保旅程」啟程後：
i. 因以下事故而必須放棄行程返回「香港」：
• 「受保人」、「直系親屬」、「同行人士」、「緊密商業夥伴」或
「同居伴侶」死亡、蒙受「嚴重損傷」或患上「嚴重疾病」；或
• 預定的「海外」行程目的地突然發生「受保人」不可預見的罷工、
騷亂、暴亂、天災或「傳染病」，以致「受保人」未能繼續其已計
劃的行程；
ii. 「受保人」於「受保旅程」中因被懷疑或確診感染「傳染病」而被
當地政府「強制隔離」而扣留於當地；
「本公司」將賠償「受保人」未有使用及無法從其他途徑追討已支付
及須依法支付的旅遊費及 ／或「住宿」費用，及／或額外所衍生的實
際而合理的交通及／或「住宿」費用。
如「受保旅程」是由「旅行社」安排之旅行團，縮短行程保障內之未
使用的旅程及／或「住宿」費用賠償是根據「受保旅程」中斷後，按
比例計算賠償剩餘「受保旅程」日數中未享用的團費。
第九節的不承保事項
本節並不承保：
1. 任何損失之起因是因政府法例及規條限制；因任何旅行社、旅遊承辦
商、郵輪公司、「公共交通工具」及／或於「行程表」內提供服務的
機構／人士破產、清盤、錯誤、疏忽或不負責任的行為；
2. 任何未經航空公司、旅行社、郵輪公司或其他有關機構證實的取消或
縮短行程的損失；
3. 任何受保於其他保險計劃的事項、政府計劃所承保的項目或已由「公
共交通工具」、「旅行社」、旅遊承辦商或任何其他交通及／或住宿
服務機構／人士承諾賠償或退款；
4. 「受保人」拒絕依循「醫生」之建議返回「香港」，或在身體狀況許
可下，拒絕繼續其「受保旅程」（只適用於第九節(c)）。
第十節 – 個人責任
如「受保人」在「受保旅程」中發生「意外」令第三者死亡或蒙受「損
傷」或財物損失，以致必須承擔法律賠償責任及／或任何法律費用，「本
公司」將作出賠償。「本公司」的賠償將以保障表所載之「最高賠償額」
為上限。惟在未得到「本公司」書面同意前，「受保人」不可向他人承認
責任、提出或允許付出任何賠償或有關承諾、或牽涉入任何訴訟中。
第十節的不承保事項
本節並不承保因下列原因直接或間接引起的責任：
1. 任何商業、專業或貿易活動；
2. 「受保人」任何故意、蓄意及不法行為或刑事行為；
3. 「受保人」對任何「直系親屬」或親屬或僱主或僱員的責任；
4. 合約責任；
5. 擁有、佔用、使用或控制任何車輛、飛機、船隻、土地、建築物、槍
械或動物；
6. 「受保人」或「直系親屬」或親屬或僱主擁有、持控托管或保管的財
物損毀；
7. 任何「恐怖活動」。
第十一節 – 蘇黎世關懷您保障
(a) 非自願性滯留津貼
如「受保人」因「海外」旅遊的目的地突然發生「恐怖活動」、被
「強制隔離」、惡劣天氣、天災或「傳染病」，以致被迫滯留在該地
而無法於原定「行程表」列明的時間內完成其「受保旅程」，「本公
司」將支付每日現金津貼予「受保人」。
第十一節(a)的特別條款
1. 就同一事故所引發的損失，如「受保人」已索償第八節(a)，於第十
一節(a)不會獲得賠償。；
2. 就同一事故所引發的損失，如「受保人」已索償「保險證書」批單
內(d)節，於第十一節(a)不會獲得賠償。
第十一節(a)的不承保事項
本節並不承保「受保人」拒絕接受由原定「公共交通工具」機構安排
之首班取替交通工具工而導致的損失。
(b) 租車自負額
如「受保人」在「受保旅程」中租用出租車輛，在駕駛途中發生碰
撞，及／或車輛被偷竊、及／或遭到損毀；而在租用條款上包括自負
額（及／或扣減及或類似條款），「本公司」將根據保障表所載的
「最高賠償額」為上限賠償予「受保人」因上述事故而引致的自負額
賠償，及／或由租車公司收取之營業損失賠償(NOC)。本保障在每一
「受保旅程」中只可賠償一次。
第十一節(b)的特別條款
「受保人」必須投保由租車公司安排的汽車綜合保險以保障於租車期
間對出租車輛之損失。
第十一節(b)的不承保事項
本節並不承保：
1. 「受保人」在違反任何租車條款或必要的車輛綜合保險條款之情況
下使用車輛所引致的任何損失；
2. 「受保人」沒有持有在當地的合法駕駛證件。
第十二節 - 郵輪旅遊保障
(a) 郵輪沉沒或被海盜綁架引致之「意外」
如於郵輪旅遊期間「受保人」因以下「意外」蒙受「損傷」：
i. 郵輪沉沒；或
ii. 「受保人」被海盜綁架；
而該「損傷」於「意外」發生當日起計連續 90 日內導致列明於第三節
的賠償表內其中一項，「本 公司」將根據賠償表所列的「最高賠償
額」百分比作出賠償。
失蹤額外賠償
如「受保人」因郵輪旅遊期間郵輪沉沒或被海盜綁架並導致失蹤，而
「受保人」之遺體於事件發生後一年內，仍無法尋回；「本公司」將
視「受保人」在本「保險證書」承保的「意 外」事故中死亡而支付額
外賠償予「受保人」的遺產承辦人。
(b) 非自願性客艙隔離
如「受保人」在「受保旅程」中蒙受「損傷」、感染「疾病」或「傳
染疾病」，被郵輪上的醫務人員規定在船艙進行隔離， 「本公司」將
支付每日現金津貼予「受保人」。
「受保人」必須提供由郵輪的醫務人員簽發的書面證明，列明隔離的
原因和日數。
(c) 登上郵輪後的行李延誤額外津貼
如「受保人」已登記寄艙的行李被其所安排乘坐接駁其郵輪假期的
「公共交通工具」延誤送達，導致「受保人」登上郵輪後逾 24 小時仍
未能取得其隨行行李，「本公司」會向「受保人」支付保障表列明的
一筆現金津貼。「本公司」會支付保障表列明的一筆現金津貼，以保
障表列明的「最高賠償額」為限。
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本節是附加於第七節 - 行李延誤保障的額外津貼。第七節的特別條款和
不承保事項亦適用於本節。
(d) 錯過郵輪之津貼
如「受保人」安排乘坐接駁其郵輪假期的「公共交通工具」因行程延
誤超過六小時，以致「受保人」未能登上該郵輪，每滿 24 小時的延
誤，「本公司」會賠償一天津貼，由「受保人」錯過郵輪假期直至其
登上列明於「受保旅程」「行程表」的下個停泊港口為止，最長三
天。
(e) 重新接駁郵輪之費用
如「受保人」在郵輪旅遊期間，於停泊港口離船登岸到岸上觀光，而
因下列事故未能 在有關港口原定的啟程時間前返回船上繼續其郵輪旅
遊：
• 岸上觀光期間「受保人」乘坐的「公共交通工具」突然發生罷工或
其他工業行動；
• 岸上觀光目的地突然發生罷工、暴動、動亂、「恐怖活動」、惡劣
天氣或天災；
• 「受保人」於岸上觀光期間乘坐的「公共交通工具」發生嚴重交通
「意外」；
• 「受保人」於岸上觀光期間蒙受「損傷」，以致需要在郵輪原訂從
有關港口啟程的時 間於「醫院」「住院」；
• 如「同行人士」失蹤，需要「受保人」在「同行人士」失蹤的地點
進行當地警方調查（以當地警方提供的失蹤人口報告為準）；
「本公司」會賠償「受保人」前往列明於原定郵輪旅遊「行程表」內
的下個停泊港口所需之額外「旅行票」（只限單程經濟客位）及／或
於當地的合理額外住宿費用。
(f) 取消岸上觀光津貼
如「受保人」於郵輪旅遊啟程前預訂並已付款及列於「行程表」的岸
上觀光行程因下列事故取消：
• 「受保人」或「同行人士」於郵輪旅遊期間死亡、蒙受「嚴重損
傷」或患上「嚴重 疾病」；
• 岸上觀光目的地在觀光行程出發前一天內突然發生不可預見的罷
工、暴亂、動亂、「恐怖活動」、「傳染病」、惡劣天氣或天災；
「本公司」會因每次取消岸上觀光支付一筆現金津貼。
(g) 非自願性更改郵輪行程目的地之津貼及額外旅行證件費用
如列明於原定「行程表」的郵輪航線或停泊港口突然發生惡劣天氣或
天災、「恐怖活動」或「傳染病」，以致郵輪公司必需更改航線及／
或停泊到其他港口，「本公司」會因郵輪行程目的地被非自願性更改
或會引致的額外旅行證件費用，賠償一筆現金津貼予「受保人」。
(h) 因緊急情況使用郵輪無線網絡費用
於受保於郵輪旅程期間，如「受保人」或其「同行人士」因「損傷」
或「疾病」而導致「受保人」或其「同行人士」不能繼續其「受保旅
程」及必須返回「香港」，「本公司」會賠償「受保人」或其「同行
人士」因需於郵輪上使用手提電話通話而租用郵輪無線網絡的費用。
第十二節的特別條款
1. 就同一「意外」所引發的損失，「受保人」只能索償第三節(a)或第三
節(b)或第十二節(a)其中一項保障。
2. 就同一事故所引發的損失，如「受保人」已索償第八節(e)或第九(a)
節，於第十二節的所有保障均不會獲得賠償。
3. 就同一事故所引發的損失，「受保人」只能索償第十二節(f)或(g)其中
一項保障。
4. 所有岸上觀光行程必須是於「受保旅程」出發前已安排及支付，有關
日期必須列明於需要索償第十二節(f)的票據或收據上，否則，「受保
人」有責任提交「本公司」要求及可接受之文件以作索償證明。
第十二節 - 的不承保事項
本節並不承保：
1. 任何因政府法例規條限制或行動；因旅行社、旅遊承辦商、郵輪公
司、「公共交通工具」及／或原定「行程表」內提供服務的機構／人
士破產、清盤、錯誤、疏忽或錯失而直接或間接招致的損失；
2. 於有關原訂行程出發前而未經航空公司、旅行社、郵輪公司或其他相
關機構實接受更改原訂行程導致的損失；
3. 在身體狀況許何下，「受保人」拒絕依循「醫生」之建議返回「香
港」繼續治療，或繼續其「受保旅程」；（只適用於第十二節(e)及
(f)）；
4. 「受保人」未能提供證明由郵輪公司所提供發出列明「受保人」使用
的無線網絡的正式收據；
5. 未能提供由郵輪上的合格「醫生」發出的書面報告證明「受保人」或
「同行人士」之「損傷」或「疾病」是於郵輪上發生。
第三部份 – 一般不承保事項
「保險證書」將不會承保直接或間接由下列項目所引致的損失或責任：
1. 任何持有中華人民共和國護照及以此護照於「受保旅程」往返「中
國」之「受保人」，除非「受保人」同時擁有由其他海外國家政府
（不包括「中國」）所簽發的法定文件證明為該地合法居民；
2. 於本保險「生效日期」前已發生或已宣佈的任何情況（只適用於第八
節、第九節、第十一節(a)及第十二節(d)(e)(f)(g)) ；
3. 任何「投保前已存在的傷疾」、先天及遺傳性疾病；
4. 「受保旅程」之目的為接受醫藥治療，或「受保人」在身體不適合旅
遊的情況下旅遊，或「受保人」違反「醫生」勸喻出外旅遊；
5. 「受保人」任何違法或非法行為；
6. 以乘客或司機身份參與任何形式的賽車，比賽，又或參加職業體育活
動或「受保人」可能或可以賺取收入或報酬的體育活動；
7. 自殺或蓄意自我傷害；神經錯亂、心智或精神不正常；任何受到酒精
或藥物影響（除非由「醫生」處方）下的情況、酗酒、濫用藥物；
8. 任何與以下狀況有關包括其併發症：妊娠、分娩、性病、HIV（人類
免疫力缺乏症病毒）；
9. 出任為任何空中乘載公具的機務人員或操作員；
10. 「受保人」進行或涉及任何空中活動，除非當時「受保人」(i)是以付
費乘客身份在持牌航空公司航機或包機上，或(ii)所參與之活動是由另
一位已持牌帶領有關活動的人士負責操縱或航行。而提供活動的舉辦
者亦已獲當地有關當局授權；
11. 從事任何體力勞動性工作、從事離岸活動如商業潛水、油田鑽探、採
礦或空中攝影、處理爆炸品、演員、地盤工人、漁夫、廚師或廚房工
人、導遊或領隊、從事或參與海陸空服務或行動或持械工作；
12. 任何直接或間接因「戰爭」、侵略、外敵行動、敵對局面（不論曾正
式宣戰與否）、內戰、暴動、反叛、革命、篡權、軍事力量或政變所
引起的任何事件，或因政府意圖阻礙、反對或防禦此等事故及「恐怖
活動」所引起的損失；「大流行病」;
13. 任何「恐怖活動」，惟第一節、第二節、及第三節、第四節及第十一
節(a)除外；
14. 在海拔5,000米以上進行高山遠足，或海平面的40米以下潛水；
15. 已從其他方面獲得的賠償，或被現有的保險計劃、政府計畫、「公共
交通工具」、「旅行社」、任何交通或住宿提供商被支付或退款，惟
第一節(c)(d)(e)、第三節 、第四節(b)(d)(e)、第七節、第八節(a)(b)、
第十一節(a)、第十二節(a)(b)(c)(d)(f)(g)除外。
第四部份 – 一般條款
1. 每名「受保人」於「保險證書」內的保障及保費均以「受保人」於
「受保旅程」開始時的年齡為準。
2. 「保險證書」生效時「受保人」的身體健康狀況必須適合旅遊；否則
「本公司」有權拒付「保險證書」的賠償款項。
3. 啟程地點必須在「香港」。
4. 「保險證書」一經簽發，恕不退還任何保費，而「保險證書」於到期
後亦不能續保。
5. 「保險證書」可因「受保人」於「受保旅程」開始後發生不能控制的
事故下延長。於此情況下，原列於由「旅行社」發出的「購買收據」
內之「受保旅程」需要延長，「本公司」會免費延長保險的受保期至
最長10日，以便「受保人」可以完成「受保旅程」，最長以10日為上
限，「保險證書」於免費延長保險期後终止。
6. 若「受保人」為同一「受保旅程」購買多於一份由「本公司」承保的
自購綜合旅遊保險，「本公司」只會根據可獲較高賠償額的一份保單
作出賠償。
7. 「外遊樂」全球旅遊計劃的保險日數不可超過180天，單程旅遊最長
期限不可超過七天，「外遊樂」短線旅遊計劃不可超過四天，「郵輪
樂」旅遊計劃不可超過60天。
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8. 本保險只適用於常規的休閒旅遊及商務旅遊（只限文職工作），而本
保險不適用於探險、跋涉、或類似旅程。
第五部份 – 基本條款
1. 整體協議
「保險證書」包括所有「有關文件」，乃立約各方之間的整體協議。
任何代理或其他人士均無權更改或豁免本「保險證書」的條款。「保
險證書」如有任何修改，必須獲得「本公司」有關的負責人批准並簽
發批單作實，方始生效。
2. 年齡限制
本保險提供保障予任何年齡之「受保人」。
3. 索償通知
如要申請索償，「受保人」必須於引致損失的事件發生後 30 日內以
書面通知「本公司」。倘因「意外」死亡之索償，「受保人」之合法
代表必須立即通知「本公司」。「本公司」所需之任何證明書、資料
及證據，須依據「本公司」所定之形式及性質提交，而所需費用概由
「受保人」或「受保人」之個人代表負責。如「受保人」不遵守本條
款，「本公司」將全權酌情決定不會支付「保險證書」的任何保障。
4. 損失證明
所有損失證明文件需於「本公司」收到賠償申請表後 30 日內呈交給
「本公司」。倘有合理的緣由不能於此限期內將有關證明文件送交
「本公司」，但已盡可能於限期後立即送出，且從需要該有關證明文
件起計不超過 180 日之限，則不會被視為放棄申請賠償的權利。「本
公司」所需之證書、資料及證據，須依據「本公司」所定之形式及性
質提交，所有費用需由索償者負責，「本公司」概不會負責任何費
用。
5. 索償時限
除索償已被「本公司」接納或為有待進行之未審結訴訟或仲裁外，於
任何情況下，「本公司」概不會就「受保人」引致損失的事件發生後
滿12 個月方提出之有關索償支付賠償。
6. 身體檢查
如「受保人」蒙受非致命「損傷」，「本公司」有權按需要要求由
「本公司」指定的醫療機構為「受保人」進行身體檢查。如「受保
人」身故，「本公司」有權自費進行驗屍。「本公司」擁有該等調查
結果之所有權。
7. 支付索償
「本公司」將按照「受保人」各自之權利及權益向彼等支付賠償（第
二節(b)及第二節(c)除外）。第二節(b)－緊急醫療運送及／或運返及
第二節(c)－遺體運返之保障則直接付予服務提供者。「保險證書」之
所有索償將以港元支付及將在收到所有「本公司」承認之必須證明後
支付予「受保人」。如「受保人」「意外」死亡，「本公司」會將所
有尚未支付之賠償額支付予「受保人」之遺產承繼人。當「本公司」
收妥所需的證明文件並批核後，將根據「保險證書」立即作出合理賠
償。
8. 責任索償
「受保人」未經「本公司」同意，不可承認、否認或解決任何索償。
9. 虛報或漏報資料
若「受保人」或任何代表「受保人」之人士在投保表格及聲明或就任
何索償知情地作出任何虛假陳述、或未如實地申報任何「投保前已存
在之傷疾」或未能遵行最高誠信，「本公司」概不就任何索償進行理
賠責任，「保險證書」規定之所有保障亦即時停止生效。「本公司」
亦不會就已付保費作出任何退款。如「本公司」已支付本任何保障，
「受保人」必須於收到「本公司」發出之還款通知書後七日內退還有
關之保障賠償予「本公司」。
10. 年齡錯誤陳述
如「受保人」年齡被錯誤陳述，「本公司」會按正確年齡應付之保費
而退回或收取保費的差額。倘「受保人」投保時的正確年齡未符合
「保險證書」的要求或已超出限制，「本公司」只會退回「保險證
書」之保費而不負責任何承保責任，「本公司」亦有權完全取消此
「保險證書」。
11. 蘇黎世緊急支援
受委任提供服務之蘇黎世緊急支援機構乃是一間獨立服務供應商，在
「受保人」要求下為「受保人」提供服務。「本公司」、「本公司」
的附屬機構、代理或旗下的員工不會就蘇黎世緊急支援的有關服務供
應商、該機構之員工、代理或代表的任何行為、違責、疏忽錯誤或遺
漏負責。
12. 其他保險
如「受保人」於索償時同時受保於其他保險公司保單或保險證書內的
相同保障，「本公司」只會按比例作出賠償（惟第一節(c)(d)(e)、第
三節、第四節(b)(d)(e)、第七節、第八節(a)(b)、第十一節(a)、第十二
節(a)(b)(c)(d)(f)(g)除外）。
13. 筆誤
「本公司」的筆誤不會令生效之「保險證書」因而失效，或令失效之
「保險證書」因而生效。
14. 法律訴訟
當索償證明文件依據「保險證書」規定送交「本公司」後，60 日內
不得向「保險證書」進行法律訴訟以求賠償。此外，「受保人」亦不
得在「本公司」要求其提供索償證明的指定限期屆滿一年後提出訴
訟。
15. 代位權
「本公司」有權自費以「受保人」名義對任何有可能導致「保險證
書」索償的承保事件的第三者進行追討，「受保人」需同意執行並允
許「本公司」因執行任何權利及補救，或從他人獲取援助或賠償的目
的下所作出的合理要求的行為或事情。
16. 替代性爭議解決方案
如有任何關乎「保險證書」出現的爭議，爭議各方可根據「香港」司
法機構為民事調解所訂立及爭議當時所適用之有關實務指示，真誠進
行調解。如爭議各方未能於 90 日內透過調解解決爭議，爭議各方均
應將有關爭議提交予香港國際仲裁中心，按照提交仲裁通知時有效的
《香港國際仲裁中心機構仲裁規則》仲裁解決。本仲裁條款適用的法
律為「香港」法律，而仲裁地應為「香港」。仲裁員人數為一名，而
仲裁程序應以英語進行。
現明文述明，在爭議各方根據「保險證書」行使任何法律權利前，必
須先取得仲裁決定。不論任何類型爭議解決方案的任何狀況或結果，
如「本公司」通知否認或否決「受保人」追索「保險證書」之任何責
任，而「受保人」並未能於「本公司」所發出之通知 12 個月內按以
上規定展開仲裁，「受保人」之賠償申請即被視作已被撤回或放棄，
並且不能根據「保險證書」再次進行追討。
17. 第三者權利
除保單持有人或「受保人」或本「保險證書」以明示方式指明以外，
任何人士如非本「保險證書」之一方並沒有權利執行或享有本「保險
證書」條款的保障。任何有關合約第三者權益之法例將不適用於本
「保險證書」。不論「保險證書」任何條款所列，任何「保險證書」
變更（包括任何解除責任或責任妥協）或終止均不須第三者同意。
18. 遵從基本條款
如「受保人」違反「保險證書」任何條款，所有就「保險證書」提出
的索償均告無效。
19. 個人資料收集目的
「本公司」將根據「本公司」不時通知「受保人」的私隱政策使用所
有已收集及持有的個人資料，「受保人」亦可透過此網址查閱有關私
隱政策：https://www.zurich.com.hk/zh-hk/services/privacy
「受保人」會，及會促使「保險證書」內其他「受保人」，授權「本
公司」根據「本公司」於不時適用之私隱政策所詳列的強制性用途，
使用及轉發（至「香港」境內或境外）包括屬敏感性如「香港」法例
第486 章《個人資料（私隱）條例》中所定義之個人資料。如「受保
人」向「本公司」提供任何第三者資料，「受保人」必須保證於提供
此等個人資料予「本公司」前已獲得有關資料當事人之正式同意，使
「本公司」可以評估、處理、簽發及執行管理「保險證書」，包括但
並不限於進行任何對有關資料當事人進行審慎調查、合規及製裁查
核。
20. 管轄法律及司法裁判權
「保險證書」受「香港」法律及條例管轄及按其詮釋。而受「保險證
書」中之替代性爭議解決方案條文所限下，爭議各方同意受「香港」
法院的專有司法管轄權管轄。
21. 制裁
若「保險證書」提供的保險、款項、服務、保障及／或受保人的任何
業務或活動會違反任何適用的貿易或經濟制裁法律或監管要求，不論
「保險證書」任何其他條款所列，保險公司則不得被視為向任何受保
人或其他一方提供任何保險或將向受保人或任何其他一方支付任何款
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TVB-WOT-002-06-2024
項或提供任何 服務或保障。以上條文亦適用於任何被保險公司視為適
用的貿易或經濟制裁法律或監 管要求，或若受保人或其他接受款項、
服務或保障的一方是受制裁人士。
賠償程序
步驟 1：於可能導致索償的事件發生後 30 天內通知「本公司」。
步驟 2：填寫賠償申報表及提交下列適當證明文件。
醫療費用
• 詳列各項收費及／或醫療費用之診所或「醫院」正本賬單
• 注有日期的醫療報告／證明副本，內容包括「受保人」的姓名，經「醫
生」證明的診斷及治療
• 創傷輔導服務必須要「醫生」的轉介信單及註明有關之建議是完全因
「受保人」於「受保旅程」中發生的創傷事故而引致
個人「意外」
• 死亡證副本
• 由「醫生」簽發及注有日期的醫療報告／證明副本列明傷殘的嚴重程度
• 警方報告及／或法醫官報告（如適用）
• 遺產管理委任狀或遺囑認證書
• （如屬失蹤）因所乘搭的交通工具發生沉沒或撞毀，引致法院宣布「受
保人」假設死亡的證明或以致屍體失蹤一年的證明文件
身故恩恤金／緊急啟程費用
• 死亡證副本
• 關係證明文件副本（如出世紙、結婚證明書等）
• 已付旅費及 ／或「住宿」正本收據
個人行李
• 警方報告副本（必須於發現後24小時內發出）及／或由航空公司／「公
共交通工具」機構發出的行李/財物事故報告（如適用）
• 遺失／損毀物品之購買正本收據
• 損毀物品之維修報價單副本
• 顯示損毀物品程度的相片
個人現金、旅行證件及／或「旅行票」/遺失之信用卡被盜用
• 警方報告副本（必須於發現後24小時內發出）
• 額外「住宿」費用、交通費用及補發遺失之旅行證件或「旅行票」之正
本收據
• 致發卡機構的通知書副本（有關通知書必須於發卡機構發出信用卡月結
單後30天內或「受保人」發現信用卡被盜用當日發出，以最先為準）
• 信用卡被盜用之月結單及有關調查結果副本
行李延誤
• 有關「公共交通工具」發出之書面報告副本以證明延誤之日期、時間及
原因
• 因行李延誤而購買緊急物品之正本收據
行程延誤／更改行程費用／酒店費用／假期損失津貼／因行程延誤而取消
行程／非自願性滯留津貼/錯過郵輪之津貼/重新接駁郵輪之費用
• 有關「公共交通工具」發出之書面報告副本以證明延誤之日期、時間及
原因
• 由「公共交通工具」機構所發出購票的實際費用的正本收據
• 已付旅費及／或「住宿」及／或旅行團及／或岸上觀光行程收據正本
取消／縮短行程或單人啟程/取消岸上觀光津貼/非自願性更改郵輪行程目的
地之津貼及額外旅行證件費用
• 已付旅費及／或「住宿」及／或旅行團及／或岸上觀光行程收據正本
• 注有日期的醫療報告／證明副本，內容包括「受保人」／「直系親屬」
／「緊密商業夥伴」／「同行人士」／「同居伴侶」的姓名，經「醫
生」證明的診斷及治療
• 證人／陪審員傳票或「強制隔離」檢疫之文件
• 「受保人」的「主要居所」損毀證明
• 提交「公共交通工具」機構所發出的正式文件證明其機械及／或電路故
障，並包括日期及時間
• 關係證明文件副本（如出世紙、結婚證明書等）
• 航空公司／「公共交通工具」機構／郵輪公司／住宿機構及旅遊公司發
出之書面報告副本，證明有否退還有關已付之旅費及／或「住宿」及／
或旅行團及／或岸上觀光行程的費用
個人責任
• 事發或事件經過及聲明（未經「本公司」書面同意，不得承認責任或作
出解決或協議）
• 警方報告或有關機構發出之事件報告副本
• 就事發或事件收到的所有有關文件（包括任何法院傳票副本、所有法院
文件、律師函件及其他法律往來文件）
租車自負額
• 出租車輛同意書之副本
• 該出租車輛之綜合保險證書副本，包括列明保障範圍細節及「受保人」
租用該車輛需負責之自負額
• 由出租車輛公司發出之事故報告及／或警方報告之副本，兩份報告均須
列明「意外」詳情
• 由出租車輛公司發出列明有關自負額收費及／或NOC之正本發票／收據
因緊急情況使用郵輪無線網絡費用
• 注有日期的醫療報告／證明副本，內容包括「受保人」的姓名，經「醫
生」證明的診斷及治療
• 由郵輪公司發出之收據列明使用無線網絡的費用、日期及時間
如有需要，「本公司」將要求索償人提供額外之有關文件以供處理索償事
宜用途。
求助須知
如「受保人」急需協助，可致電「香港」24 小時蘇黎世緊急支援熱線：
+852 2967 1808，說出「受保人」姓名及載於「保險證書」上的主保單號
碼。「本公司」的資深援助主任將處理「受保人」的查詢及提供協助。
如需索償，請致電「本公司」賠償熱線：+852 2903 9321。聯絡客戶服
務，請致電「本公司」查詢熱線：+852 2903 9331。辦公時間為星期一至
星期五上午 9時至下午 5時30 分。
「保險證書」批單 – 只適用於「外遊樂」全球旅遊保險計劃和
「郵輪樂」旅遊保險計劃
於此聲明及同意，以下之保障已新增於於上述之「保險證書」內：
如香港保安局於本保險「生效日期」後向「受保旅程」之目的地發出黑色
外遊警示或紅色外遊警示，儘管警示是因第三部份－不承保事項第 12 點所
述之事故引致，「本公司」會賠償以下保障：
(a) 取消行程
如黑色外遊警示或紅色外遊警示是於「受保旅程」出發前一星期內發
出及「受保人」必須要取消該「受保旅程」，或「旅行社」因黑色外
遊警示或紅色外遊警必需要取消該團體旅遊，「本公司」會賠償「受
保人」未有使用及無法從其他途徑追討但已支付及須依法支付或預付
的旅行費用及／或「住宿」費用，賠償根據以下限額：
1. 黑色外遊警示 – 100%實際已支付的旅行費用及／或「住宿」費
用，或至保障表內第九節(a)－取消行程所載之「最高賠償額」，
以較低者為準。
2. 紅色外遊警示 – 50%實際已支付的旅行費用及／或「住宿」費
用，或至保障表內第九節(a)－取消行程所載之「最高賠償額」，
以較低者為準。
(b) 縮短行程
如黑色外遊警示或紅色外遊警示是於「受保旅程」啟程後才發出（即
出發當日並未有黑色外遊警示或紅色外遊警示）而「受保人」決定縮
短行程返回「香港」，「本公司」將賠償因縮短行程所引致的損失包
括所有預付而未使用的旅程及／或「住宿」費用，而該等費用為「受
22
TVB-WOT-002-06-2024
保人」依法必須支付而且無法從其他途徑追討；及／或額外所衍生的
實際而合理的交通及「住宿」費用。賠償根據以下限額：
1. 黑色外遊警示 – 100%未使用的旅程及／或「住宿」費用及／或額
外所衍生的實際而合理的交通及「住宿」費用，或至保障表內第九
節(c)－ 縮短行程之「最高賠償額」所載，以較低者為準。
2. 紅色外遊警示 – 50%未使用的旅程及／或「住宿」費用及／或額
外所衍生的實際而合理的交通及「住宿」費用，或至保障表內第九
節(c)－縮短行程之「最高賠償額」所載，以較低者為準。
如「受保旅程」是由「旅行社」安排之旅行團，縮短行程保障內之未
使用的旅程及／或「住宿」費用賠償是根據「受保旅程」中斷後，按
比例計算賠償剩餘「受保旅程」日數中未享用的團費。
適用於以上(a)及(b)的特別條款
「受保人」必須先向「旅行社」及／或「公共交通工具」機構及／或
有關機構取回團費及／或交通及／或「住宿」費用之退款，「本公
司」只負責賠償剩餘不能退回的費用。
(c) 退回由「旅行社」收取的行政費用及／或簽證費用
如黑色外遊警示或紅色外遊警示是於「受保旅程」出發前一星期內發
出及「受保人」必須取消該「受保旅程」，「本公司」會賠償「受保
人」由「旅行社」／「公共交通工具」機構／酒店收取而不獲退回的
行政費用及／或已支付之行程目的地的入境簽證費用，合共賠償額至
300 港元。
(d) 非自願性滯留津貼
如黑色外遊警示是於「受保旅程」啟程後才發出（即出發當日並未有
黑色外遊警示）而發出該黑色外遊警示之事故或事件導致「受保人」
未能於原定「行程表」的日期內完成「受保旅程」及於黑色外遊警示
懸掛期間需要非自願性地滯留於預定之目的地，「本公司」將支付每
日500 港元現金津貼予「受保人」，最長至 10 日。
適用於以上(d)的特別條款
1. 就同一事故所引發的損失，如「受保人」已索償「保險證書」第八
節(a)，於本節(d)不會獲得賠償。
2. 就同一事故所引發的損失，如「受保人」已索償「保險證書」第十
一節(a)，於本節(d)不會獲得賠償。
不承保事項
本批單並不承保：
1. 列明於「行程表」內的目的地於「生效日期」前已被發出或已宣布會
發出紅色或黑色外遊警示；
2. 「受保人」拒絕登上由原本之「公共交通工具」機構安排之首班取替
交通工具（只適用於(d)）。
「保險證書」內的其他保障，條款及條件則維持不變。
（此中文譯本乃供參考之用，如有異議，均以英文版本為準。）
Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability)
25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong
蘇黎世保險有限公司（於瑞士註冊成立之有限公司）
香港港島東華蘭路 18 號港島東中心 25-26 樓
1
TVB-TAG-ODS-10-2023
蘇黎世保險有限公司（於瑞士註冊成立之有限公司）
香港港島東華蘭路 18 號港島東中心 25-26 樓
Customer Declaration (Applicable to Travel insurance
plan(s) sold by Travel Agencies)
客戶聲明（適用於經旅行社銷售之旅遊保險計劃）
1. I/We hereby apply for Travel Insurance Plan (“this Plan”) provided to me/us by Zurich Insurance Company Ltd (“the
Company”). I/We declare that to the best of my/our knowledge and belief the information given is true and complete in
every respect and all information disclosed has been verified by me/us as true and correct, and that no person listed
hereon is travelling against the advice of any medical practitioner or for the purpose of obtaining medical treatment. I/We
declare that I/we have full and complete authority from my spouse, relative(s), friend(s) to disclose any personal
information being requested to assess the insurance application. I/We agree that this declaration together with the policy of
this plan shall form the basis of the contract between me/us and the Company.
本人／我們現投保由蘇黎世保險有限公司（「貴公司」）向本人／我們提供之旅遊保險計劃（「此計劃」）。本人／我們謹此
聲明所列全部資料乃就本人／我們所知一切據實填報，並經本人／我們核實正確無誤，上述受保人是次出外旅遊並未違背專業
醫生勸告或以尋求醫療為目的。本人／我們聲明本人／我們已獲得配偶、親屬、朋友授予全權提供任何個人資料作評核此項申
請之用。本人／我們明白本聲明連同此計劃將構成本人／我們 貴公司之間的合約依據。
2. I/We understand that this Plan is a product solely provided by the Company. Travel agencies and their affiliates have no
duty to verify or make inquiries into any aspect of this Plan and make no warranty or representation howsoever to this Plan.
I/We expressly agree that travel agencies and their affiliates disclaim any responsibility whatsoever for any issues in
relation to, arising from and/or caused by/under this Plan or the Company.
本人／我們明白此計劃乃由 貴公司獨自提供之產品。旅行社及其相關機構無責任對此計劃之任何方面進行核實或查詢，亦
不對此計劃作出任何保證或陳述。本人／我們明確同意旅行社及其相關機構不對與此計劃或 貴公司有關、由此引起及／或
造成的任何問題承擔任何責任。
3. I/We authorize the Company to obtain medical information from my/our medical practitioner(s) and I/we agree to supply
additional information relevant to this Plan at my/our own expense.
本人／我們明白本人／我們必須填妥授權 貴公司有權向本人／我們之醫生索取有關病歷資料，本人／我們亦同意提供任何
進一步與此計劃有關之資料並自付所需費用。
4. I/We understand that I/We shall refer to the Certificate of Insurance for details of the insurance coverage, exclusion clauses
and terms and conditions.
本人／我們明白所有保障範圍、不承保事項、條款及細則概以此保險計劃之保險証書為準。
5. I/We understand I/we must provide all information requested, failing which the Company cannot process my/our application
for the Policy.
本人／我們明白本人／我們必須提供所有資料， 貴公司將不會受理本人／我們資料不全之保單申請。
