About Zurich
Being part of Zurich Insurance Group, Zurich Insurance (Hong Kong) offers a full range of flexible general insurance and life insurance products for individuals as well as corporate customers, catering to their insurance, protection and investment needs. Our presence in Hong Kong dates back to 1961. We are one of the top 10 insurers in Hong Kong. Zurich Insurance Group is a leading multi-line insurance provider with a global network of subsidiary and offices in Europe, North America, Latin America, Asia-Pacific and the Middle East as well as other markets. Founded in 1872, the Group is headquartered in Zurich, Switzerland. With over 60,000 employees serving customers in more than 170 countries, our ambition is to become the best global insurer as measured by our shareholders, customers and employees.

Travelplus Insurance Plan

Zurich Insurance Company Ltd
ZXS/001/ENG/09/2013

(a company incorporated in Switzerland)

25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong Telephone: +852 2968 2288 Fax: +852 2968 0639 Website: www.zurich.com.hk

Travelplus Insurance Plan
Travelplus Insurance Plan offers comprehensive coverage for you and your family members or friends to enjoy the wonderful trip without any hassle.

Table of Benefits
Coverage Maximum benefits per insured person (HKD)
Gold plan Silver plan Bronze plan

Medical cover • Medical expenses, including follow-up medical treatment • Overseas hospital daily cash benefit 1,000,000 5,000 (250/day) 300 5,000 (500/day) 500,000 3,000 (250/day) 300 5,000 (500/day) 250,000 1,000 (250/day) 300 5,000 (500/day)

Rental Vehicle Excess If during the period of insurance, the insured person rents or hires a rental vehicle in the course of a 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 which makes such insured person liable for the loss or damages of the rental vehicle, we will reimburse him/her for the rental vehicle excess up to the maximum benefits as stated in the Table of Benefits. Unauthorized Use of Lost Credit Card We will reimburse the insured person up to the maximum benefits as stated in the Table of Benefits for the monetary loss due to accidental loss of credit card leading to unauthorized use of such credit card.

Additional benefits • Overseas travelling expenses for seeking medical treatment • Hospital confinement or quarantine cash allowance due to infectious disease 24-hour global emergency assistance service • Hospital admission deposit guarantee • Emergency medical evacuation • Repatriation of mortal remains • Compassionate visit • Additional hotel accommodation expenses • Return of unattended children • Other free advisory services Personal accident • Accident on public common carrier or during robbery • Other accidents 1,500,000 1,000,000 200,000 750,000 500,000 200,000 375,000 250,000 200,000 39,000 Actual cost Actual cost One economy class return airfare 7,800 (1,950/day) One economy class one-way airfare up to 30,000 Included

Plan highlights
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• Burns cover • Loss of income (up to 12 weeks) Compassionate death cash and visit • Compassionate visit

No excess on all benefits 24-hour global emergency assistance service with emergency medical evacuation and hospital admission deposit guarantee Follow-up medical cover, including Chinese medicine bone-setting, acupuncture treatment, etc. Personal accident cover, including accident on public common carrier or due to terrorism or robbery Travel delay and re-routing due to terrorism, natural disaster, adverse weather conditions, etc. 100% protection for dangerous amateur sports, including winter sports, scuba diving, water-skiing, rafting, sailing, parachuting, rock climbing, bungee jumping, horse riding, etc. No age limit1 All accompanying children aged at or below 17 years will enjoy free cover while both parents are enrolled in the family plan Automatic extension for unavoidable delay up to 10 days 10% premium discount for 7 to 12 people enrolling as a group; 15% premium discount for more than 12 people For annual travel plan, no limit on the frequency of travel2
It is not applicable to annual travel plan. Certain age groups are subject to the policy terms and conditions. The maximum period of the insured journey cannot exceed 90 days.

1,000/week 1,000/week 1,000/week 10,000 10,000 10,000

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One economy class return airfare and actual hotel accommodation costs up to 30,000 20,000 3,000 30,000 3,000 100,000 10,000 2,500 15,000 3,000 80,000 5,000 1,000 5,000 1,000 50,000

Personal baggage cover Loss of personal money Credit card protection Loss of travel document and/or travel ticket Loss of home contents due to burglary Personal liability Travel delay & re-routing • Travel delay • Extra hotel cost due to travel delay • Extra re-routing cost due to travel delay Baggage delay/Emergency purchases Cancellation of trip Curtailment of trip Missed event cover Unauthorized use of lost credit card Rental vehicle excess MediExpress China medical card service (Applicable to annual travel plan and insured person age over 17 years old only)

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2,500,000 2,000,000 1,500,000

1,500 2,000 10,000 1,500 30,000 30,000 2,000 3,000 5,000

1,500 2,000 7,500 1,000 20,000 20,000 1,000 3,000 5,000

1,500 2,000 5,000 500 10,000 10,000 -

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Straight admission to over 200 appointed hospitals in China upon presentation of MediExpress China Medical Card

Comprehensive coverage on medical and personal accident and 24-hour emergency assistance
Medical cover • Necessary medical expenses, including outpatient treatment, hospitalization fees, surgery and doctor fees, incurred due to sickness or accidental injury during the period of travel, up to HKD 1,000,000. It also covers overseas hospital daily cash benefit up to HKD 250 per day. • Follow-up medical expenses incurred within three months after return to Hong Kong, including Chinese medicine bone-setting and acupuncture treatment.
Major Exclusions: 1. any loss or medical expenses arising from any travel contrary to the advice of a medical practitioner or for the purpose of receiving medical or surgical treatment; 2. surgery or medical treatment which is not substantiated by a written report from the qualified medical practitioner; 3. 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 an emergency medical evacuation or repatriation; non-medical personal services such as radio, telephone and the like; procurement or use of special braces, appliances or equipment.

accommodation expenses necessarily incurred by one immediate family member up to HKD 30,000.

Loss of property protection
Personal baggage cover Covers the accidental loss of or damage to baggage or personal belongings including golf equipment and lap-top computer during the period of travel. • Baggage or personal belongings (includes tablets PC of any kind): Up to HKD 2,500 per article, pair, set or collection • Golf equipment: Up to HKD 2,500 per article, pair, set or collection and maximum HKD 5,000 per insured journey • Lap-top computer: Up to HKD 10,000, subject to the maximum benefits as stated in the Table of Benefits
Major Exclusions: 1. the following classes of property: business goods or sample, foodstuffs and/or medicine, contact lenses, dentures and/or its appliances, animals, motor vehicles (including accessories), motorcycles, bicycles, boats, motors, or any other conveyances, household furniture, antiques, any kind of jewellery or accessories make of or contain of any kind of gold, platinum, diamond, jade or pearl, mobile phone (including PDA phone, similar device with telecommunication function and other accessories), money (including cheques, traveller’s cheques, etc), plastic money (including the credit value of credit card, Octopus cards, etc), coupons or securities, bonds, negotiable instruments, tickets or documents; 2. any loss not reported to the local police or public authority within 24 hours of discovery and such local report is not obtained.

weather conditions, natural disaster or the mechanical/electrical breakdown of the public common carrier, the additional charges for alternative public common carrier to the original destination will be reimbursed to you.
Major Exclusion: 1. any circumstances leading to the relevant delay of the insured journey which is existing or announced before the effective date.

Baggage delay / Emergency purchases Covers the expenses for necessary personal clothing and other necessities if baggage is delayed for more than six hours after your arrival at the destination abroad.
Major Exclusion: 1. any loss for which the insured person fails to submit receipts for the purchase of emergency items or requisites.

24-hour global emergency assistance service • Hospitalization arrangement and pre-payment of hospitalization deposit up to HKD 39,000. • Transportation of medical personnel and supplies by all types of suitable transportation. • Transportation of the insured person to a suitable place or back to Hong Kong for treatment and medication. • Additional accommodation expenses incurred due to an incident requiring emergency evacuation to return the insured person to Hong Kong. • Arrange and pay for one economy class return airfare for the insured person’s immediate family member to accompany the insured person in the event of the insured person suffering from serious illness or injury during the period of travel. • Arrange and pay for a one-way economy class airfare for returning the insured person‘s unattended child aged below 17 years back to Hong Kong in the event of the insured person suffering from serious illness or injury during the period of travel. • Transportation of mortal remains or ashes back to Hong Kong in the event of death. • 24-hour hotline for medical enquiries, doctors/legal/interpreter/embassy referral, customs information and quarantine regulations.
Major Exclusions: 1. when the insured person is located in areas which represent war risks or political conditions such as to make the provision of services under this section impossible or reasonably impracticable; 2. for emergency medical evacuation 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 for the purpose of obtaining medical treatment or for rest and recuperation following any prior accident or illness.

Cancellation of trip On cancellation of the trip due to death, serious physical injury or serious illness of the insured person or immediate family members, the insured person's attendance being required in court as a witness or for jury service, the insured person being in quarantine, residential fire, flood or burglary arising within one week before the departure date, unexpected outbreak of strike, riot, civil commotion, terrorism, adverse weather conditions or natural disaster at the planned destination arising within one week before the departure date, the non-refundable charges for tours, air tickets and hotels will be compensated.
Major Exclusions: 1. any circumstances leading to the cancellation of the insured journey which is existing or announced before the effective date; 2. any loss in relation to cancellations to schedules that is not verified by the airline, travel agency or other relevant organizations.

Loss of personal money Covers any accidental loss of cash, cheques and traveller’s cheques during the period of travel due to robbery, burglary or theft.
Major Exclusion: 1. In respect of loss not reported to the local police, or hotel management or public authority within 24 hours from the occurrence of the incident and for which a relevant report is not obtained at the place of loss.

Credit card protection In the event of accidental death of the insured person, we will pay up the unpaid and outstanding balance of the insured person’s credit card(s). Loss of travel document and/or travel ticket Covers the replacement cost incurred for the accidental loss of travel documents, credit cards, or ticket during the period of travel as well as extra transportation and accommodation expenses.
Major Exclusions: 1. any loss not reported to the local police within 24 hours from the occurrence of the incident and for which such police report is not obtained at the place of loss. 2. for loss of any travel document and/or visa and/or travel ticket which is not needed to complete the insured journey.

Curtailment of trip On curtailment of the trip due to death, serious physical injury or serious illness of the insured person or immediate family members, residential fire, flood or burglary, unexpected outbreak of strike, riot, civil commotion, terrorism, adverse weather conditions or natural disaster at the planned destination, the non-refundable charges for tours, air tickets and hotels will be compensated.
Major Exclusions: 1. any circumstances leading to the curtailment of the insured journey which is existing or announced before the effective date; 2. any loss in relation to curtailments to schedules that is not verified by the airline, travel agency or other relevant organizations.

Missed event cover
If the insured person is unable to attend an event of overseas sports or music or entertainment due to his/her or his/her immediate family member's death, serious physical injury or serious illness, or his/her witness summons, jury service, compulsory quarantine, or the mechanical/electrical breakdown of his/her public common carrier before the scheduled start time of the aforesaid event, the ticket cost of the aforesaid event as paid by the insured person's or his/her spouse's credit card will be compensated.

Loss of home contents due to burglary4 Covers the loss of or damage to home contents as a result of burglary whilst the insured person’s home is unoccupied during the period of travel.
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Maximum of HKD 5,000 for any one article, pair, set or collection.

Personal accident • Maximum benefits up to HKD 1,000,000 in the event of death or disablement as a result of injury sustained by the insured person during the period of travel. Maximum benefits up to HKD 1,500,0003 if death or disablement is sustained by the insured person on any public common carrier or during robbery. • In the event of burns cover, maximum benefits up to HKD 200,000. • Loss of income protection period up to 12 weeks. • Subject to the insurance cover of respective policies, any individual insured can enjoy up to a maximum limit of HKD 5,000,000 personal accident cover per life in aggregate of all multiple policies issued by our company and/or related companies.
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Major Exclusion: 1. any loss or damage of bonds, bills of exchange, cash, coins, cheques, jewellery or accessories, promissory notes, postal or money orders, record or book or similar tokens, luncheon vouchers or other coupons, stored value cards, credit cards, deeds, documents of title, manuscripts, medals, passports, stamps, share certificates, contact or corneal lenses, mobile/portable telephones, travel tickets, foodstuffs, animals and motor vehicles (including accessories), motorcycles, boats, motors, any other conveyances, loss of data recorded on tapes, cards, diskettes or otherwise.

Unauthorized use of lost credit card
We will reimburse the insured person up to the maximum benefits as stated in the Table of Benefits for the monetary loss due to accidental loss of credit card leading to unauthorized use of such credit card.

Personal liability
Covers the insured person’s liability of the compensation and litigation expenses as a result of an accident which causes bodily injury to others or damage to other’s property during the period of travel.
Major Exclusions: 1. any wilful, malicious or unlawful act of the insured person or any criminal acts; 2. liability to any person who is the immediate family member or relative or employer or employee; 3. ownership, possession, use or control of any vehicle, aircraft, watercraft, land, buildings, firearms or animals.

Rental vehicle excess
If during the insurance period, the insured person rents or hires a rental vehicle in the course of a 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) which makes such insured person liable for the loss or damage of the rental vehicle, we will reimburse him/her for the rental vehicle excess up to the maximum benefits as stated in the Table of Benefits. This benefit shall only be payable once per journey.
Special Condition: 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.

It is not applicable to person aged at or below 17 years or over 65 years.

Travel inconvenience compensation
Travel delay & re-routing • If your public common carrier is delayed for more than six hours due to strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster or the mechanical/electrical breakdown of the public common carrier, HKD 300 will be paid for each six hours thereafter. • In the event of the consequent cancellation of the planned public common carrier after delay for more than six hours due to strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse

Major Exclusion: 1. This section does not cover any loss caused by an injury which is a consequence of any kind of disease and/or illness.

Compassionate death cash and visit • In the event of death of the insured person during the period of travel, HKD 10,000 will be offered to express our condolences. • In the event of death of the insured person during the period of travel, indemnity for one economy class return airfare and actual hotel

MediExpress China medical card service
(Applicable to annual travel plan and insured person age over 17 years old only) In the event of accident or illness requiring hospitalization in China, the insured person can be straightly admitted to one of over 200 appointed hospitals by presenting our valid MediExpress China Medical Card.

Premium table
For Single Trip Travel Plan

7-day claims processing guaranteed
Premium (HKD)
Zurich will settle your claims within seven working days after we have received all the required documents. Simply follow this simple claims procedure: • Inform Zurich of the incident by phone, fax or mail as soon as possible. • Complete and return the claim form together with all necessary documents to Zurich.
Notes:
1. For a group of over 30 people traveling on the same trip is subject to our prior approval before enrolment. 2. Loss of cash or personal belongings, which are not reported to the local police or the relevant airline, hotel or travel agency, will not be compensated. 3. Cancellations or alterations to schedule must be verified by the airline, travel agency or any other relevant organizations. 4. Insured person above the age of 65 years or aged at or below 17 years are limited to 50% of the original sum insured for personal accident cover. 5. Insured person above the age of 75 years can only select bronze cover. 6. Insured person aged at or below 17 years (if travelling independently) can select silver plan or bronze plan only. 7. For annual travel plan, the acceptance age limit is up to 70 years and the maximum renewal age is up to 75 years. 8. For travellers not departing from Hong Kong, all the words "Hong Kong" which appears in the policy shall be changed to read as "Departure Country" except for the currency, and provided that the insured person's itinerary must include "Hong Kong" or such travel arrangements must be made and paid in Hong Kong. 9. For one way travel, cover is valid for a maximum of seven days after arrival at the final destination. 10. The protection period can be up to 180 days for single trip travel plan and up to 90 days for annual travel plan for each trip. 11. No extension of period of insurance is allowed once the policy has been effected. 12. The maximum benefit for any one accident shall not exceed 300% of each section for a family policy. 13. Benefit for the income loss will be made on a pro-rata basis subject to a 3-day time excess. No benefit will be paid for those who are unemployed, retired or self-employed. 14. No refund of premium is allowed once the policy has been effected (For single trip travel plan only). 15. Extra 50% of coverage on death or disablement on any public common carrier or during robbery is not applicable to persons aged at or below 17 years or over 65 years. 16. Missed event claim must be verified with the presentation of actual ticket and payment receipts. 17. The actual destination(s) for the insured journey shall refer to the insured person's itinerary issued by travel agent/ service provider/public common carrier.

Major Exclusions
1. Any event arising from war, act of foreign enemy, civil war, rebellion, insurrection, military force or coup. 2. Any pre-existing condition, congenital and hereditary condition; Insanity, psychosis, mental or nervous disorders, any condition under the influence of alcohol or drugs (other than those prescribed by a qualified medical practitioner), alcoholism or drug addiction. 3. Any condition resulting from pregnancy, childbirth or miscarriage, abortion, pre-natal care as well as post-natal care and other complications arising the refrom, venereal disease; Suicide or intentional self-inflicted injury; Any illness attributable to HIV (Human Immunodeficiency Virus) and/or HIV-related illness including AIDS. 4. Any losses due to terrorism except for Medical Cover, 24-hour Global Emergency Assistance Service, Compassionate Death Cash and Visit Cover and Personal Accident. 5. Any insured person who is a holder of the People’s Republic of China passport and travels to/within China during the insured journey. However, this exclusion will be waived if the insured person mentioned in the aforesaid has an official document issued by an overseas government (other than China) as proof that he/she is a legal resident of the relevant country of such government but traveling with a passport of the People’s Republic of China. 6. Any losses due to trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 30 meters below sea level.
This leaflet is only an illustration and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency. We reserve the right of final approval and decision. (The English version shall prevail in case of inconsistency between the English and Chinese versions)

Gold plan No. of days 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Each additional day 110 123 139 191 220 253 267 286 296 319 359 369 400 424 461 479 488 497 506 524 532 542 551 559 564 584 592 605 616 637 24 220 246 278 382 440 506 534 572 592 638 718 738 800 848 922 958 976 994 1,012 1,048 1,064 1,084 1,102 1,118 1,128 1,168 1,184 1,210 1,232 1,274 48

Silver plan 82 100 120 147 161 182 194 203 221 232 243 253 272 292 309 328 335 338 346 352 357 363 371 380 390 403 409 422 434 445 18 164 200 240 294 322 364 388 406 442 464 486 506 544 584 618 656 670 676 692 704 714 726 742 760 780 806 818 844 868 890 36

Bronze plan 45 55 63 77 106 146 154 166 175 185 193 201 208 224 255 261 264 267 271 275 278 282 287 290 294 300 305 310 315 319 16 90 110 126 154 212 292 308 332 350 370 386 402 416 448 511 522 528 534 542 550 556 564 574 580 588 600 610 620 630 638 32

Individual Family Individual Family Individual Family

For Annual Travel Plan

Premium (HKD)
Gold plan Individual 1,980 Family 3,960 Silver plan Individual 1,500 Family 3,000 Bronze plan Individual 1,000 Family 2,000