Family Comprehensive Protection Plan (Series 1)

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1 Family Comprehensive Protection (Series 1) To cater for your different needs, Bank of China Group Insurance Company Limited ( BOCG Insurance ) is delighted to present to you the brand new Family Comprehensive Protection (Series 1) (the ). The allows you to choose from two different plans 1, each providing a one-stop insurance protection for personal accident, annual travel and home contents. What s more, you may enroll in optional benefits 2 according to your needs, so that you and your family can enjoy a worry-free life with a more affordable insurance premium. In addition, the Home Protection provides plans with different coverage for homes of different gross floor areas, allowing you to choose an appropriate protection to satisfy your needs. Basic Benefits: The following 3 (or any 2) of the basic benefits from either the Gold or Silver Gold Silver Home Protection Annual Travel Protection Personal Accident Protection Home Protection Annual Travel Protection Personal Accident Protection Gold Value (Gross floor area of 750 square feet or below) Gold (No limitation on gross floor area 8 ) Silver Value (Gross floor area of 750 square feet or below) Silver (No limitation on gross floor area 8 ) Optional Benefits: Optional Benefits may only be enrolled with the Basic Benefits Golfers Protection Domestic Helper Protection Basic Benefits You are required to enroll in the following 3 (or any 2) of the basic benefits: I. Personal Accident Protection Maximum benefit payable up to HK$4,000,000 3 in case of any unexpected event causing serious injuries, permanent total disablement or death Coverage for medical expenses (including bonesetters and Chinese herbalist) due to accidents, credit card outstanding balance protection, cash allowance for health supplements and home nursing expenses, etc. Premium at flat rate 4 for all types of occupations Notes: 1. Basic Benefits consist of Gold and Silver for your selection. If Gold is selected, all insured items in the policy will be under the Gold, except for Home Protection where the insured may select to insure under the Gold or Gold Value if the gross floor area of his/her home is 750 square feet or below. The same applies if Silver is selected. 2. The insured is required to apply for Basic Benefits before he/she can apply for optional benefits. 3. The maximum benefit for accidental death or permanent total disablement caused by traveling in public transportation or private car is HK$4,000,000, while the maximum benefit for accidental death or permanent total disablement caused by other accidents is HK$2,000, Not applicable to the occupations excluded by BOCG Insurance (refer to proposal form for details) FCP-L2010-V01

2 II. Annual Travel Protection A comprehensive range of protections for business or leisure travel, covering personal accident, medical expenses, loss of baggage and personal effects, legal liability, travel and baggage delay, cancellation or curtailment of journey, etc., allow you to travel with peace of mind Excess free with coverage for a variety of popular adventurous activities Coverage for free students overseas travel cover 5, protecting against loss of home contents due to burglary during travel period and providing worldwide emergency assistance service Protection against accidental loss of or damage to the insured person s personal notebook computers during travel period Newly added Outbound Travel Alert 6 Protection III. Home Protection A comprehensive range of protections for home contents, personal accident, legal liability (including homeowner s legal liability in the home or the common area of the residential building, domestic helper s legal liability due to his/her negligence arising out of and in the course of employment and tenants liability) and employees compensation for unlimited number of domestic helpers Applicable to rented-out, self-occupied or rented properties Compensation for legal liability of up to HK$12,000,000 in case of any third party s death, bodily injury or property damage caused by your and/or your family members negligence at home Extra 20% additional benefit for home contents coverage during typhoon or rainstorm season 7 Pre-set premium 8 and coverage for homes with a gross floor area of 1,500 square feet or below Optional Benefits In addition to the basic benefits, you may also consider enrolling in the following optional benefits according to your needs: I. Golfers Protection II. Protection for golfing equipment, personal effects, expenses for celebration of accomplishing a hole-in-one and golfing journey cancellation, etc. Worldwide coverage Domestic Helper Protection Protection against employer s legal liability in the event of his/her domestic helper s unfortunate death, bodily injury and/or disease arising out of and in the course of employment A range of additional covers at the same time, such as clinical expenses, surgical and hospitalization expenses, dental expenses, personal accident, fidelity cover and repatriation expenses, etc. Employer can select to insure critical illness benefit for his/her domestic helper Notes: 5. Students overseas travel cover is only available to unmarried full-time students aged between 6 weeks and 17 years old, who study in the Hong Kong Special Administrative Region ( HKSAR ). The student must be accompanied and with the custody care by an adult for the entire journey. 6. The Security Bureau of the Government of HKSAR has launched the Outbound Travel Alert (OTA) System which uses amber, red and black signals to differentiate among different levels of risk. This system will cover the countries which are more popular travel destinations for HKSAR residents aiming to help HKSAR residents better understand the risk or threat to personal safety in travelling overseas. 7. Typhoon or rainstorm season means the period from July to September every year. The proximate cause of claim for loss must be due to typhoon or the rainstorm which must occur in HKSAR. 8. If the buildings exceed 40 years of age or the home s gross floor area is more than 1,500 square feet, premium and the terms will be provided separately FCP-L2010-V01

3 Affordable Premium and Auto-renewal Service With monthly premium of as low as HK$146 9, you and your family can enjoy a complete peace of mind. If you do not receive any notice of amendment on renewal terms from BOCG Insurance before the expiry date of your every policy year, simply pay the required premium for the coming policy year, and your policy will be renewed automatically with total security. Simple Application and Instant Approval For enrolment, please visit any branch of Nanyang Commercial Bank Limited in HKSAR. If your application is approved instantly and each coverage item is confirmed in effect, you will receive your policy in around 10 working days after BOCG Insurance has received the application. Claims Notice - The insured should give written notice to BOCG Insurance as soon as possible in case of any claims. - In case of any burglary / theft / robbery or any other similar attempt, please report to the police immediately. - In case of any loss of money or property, the insured and/or his/her family and/or his/her domestic helper(s) must report to the police and obtain a report at the place of loss within 24 hours of discovery. - The insured and/or his/her family members and/or his/her domestic helper(s) must give written notice to BOCG Insurance and submit the following documents (at his/her own expenses) as soon as possible within 30 days after occurrence of the event: detailed description of the event, list of damaged/loss items, repair or replacement quote and other relevant documents - Any writ, summons or other legal proceedings issued or commenced against the insured and/or his/her family members and/or his/her domestic helper(s) must be sent to BOCG Insurance immediately for processing. - The insured and/or his/her family members and/or his/her domestic helper(s) must not make any commitment to pay or pay any compensation to a third party without prior written consent from BOCG Insurance. - The insured and/or his/her family members and/or his/her domestic helper(s) must not dispose of or replace any damaged insured items without prior written consent from BOCG Insurance. Notes: 9. This monthly premium is calculated on the basis of client enrolling in the Annual Travel and Home Protection (Silver Value ) under the Basic Benefits (Silver ) and the insured category is Insured only FCP-L2010-V01

4 Basic Benefit I. Personal Accident Protection Insured Items & Coverage Maximum Benefit (HK$) (Per insured person) Silver Gold 1. Personal Accident - Death / permanent total disablement / permanent total loss of both limbs or loss of sight of two eyes / permanent total loss of one limb or loss of sight of one eye / major burns (claims are calculated on the basis of burn surface area) resulting from accident - Permanent total loss of hearing of both ears / permanent total loss of speech resulting from accident (Maximum benefit payable for permanent total loss of hearing of both ears and for permanent total loss of speech are 75% and 50% of the specified amount respectively) (Maximum benefit payable for child(ren) is 20% of the specified amount or HK$300,000, whichever is lower) (This benefit does not apply to insured person who is already being payable under item 2 Double Indemnity for Accidental Death or Permanent Total Disablement ) 2. Double Indemnity for Accidental Death or Permanent Total Disablement Accidental death or permanent total disablement resulting from traveling by public transportation or private car (This benefit does not apply to child(ren) or insured persons aged 70 above) 3. Credit Card Outstanding Balance Protection In the event of an accident causing the insured person s death, repayment of any outstanding balance payable under the insured person s credit cards charged to such cards during the period of insurance (This benefit does not apply to child(ren)) 4. Medical Expenses - Medical expenses incurred for bodily injury caused by accident (including Chinese herbalist and bonesetters treatment expenses, provided that the maximum benefit payable is HK$150 per day and up to a total of HK$1,000 per year) - If medical treatment is required for third degree burn of the body following an accident, which is confirmed by a registered medical practitioner, the maximum benefit will be doubled. 5. Cash Allowance for Health Supplements If the insured person suffers accidental bodily injury and requires in-hospital treatment, cash allowance will be payable from the 8th day of hospital confinement onward (maximum pay up to 5 days per event) 6. Home Nursing Expenses If the insured person suffers accidental injury and incurs eligible expenses for qualified nursing care service at the insured person s home for the period recommended by a registered medical practitioner after being discharged from the hospital, the actual charges for such services will be payable (maximum pay up to 100 days) 1,000,000/year 2,000,000/year 20,000/year 30,000/event 200/day 300/day 2,000,000/year 4,000,000/year 30,000/year 45,000/event 300/day 500/day FCP-L2010-V01

5 7. 24-hour Worldwide Emergency Assistance Services (All expenses and services must be pre-approved and directly arranged by the Emergency Assistance Service Company. Please call the 24-hour Emergency Assistance Hotline if assistance is required) 7.1 Emergency Medical Assistance Services (a) Emergency medical evacuation or repatriation (b) Compassionate visit (the insured person must be confined in overseas hospital for more than 7 consecutive days) (a return scheduled economy class airline ticket and hotel accommodation of up to HK$1,200 per day will be provided) (c) Return of unattended child(ren) to HKSAR (d) Return of the insured person to HKSAR after medical treatment (e) Hospital admission deposit guarantee 7.2 Hotline Assistance Services (24-hour emergency assistance hotline services including: medical advice, travel information, consulate/interpreter/lawyer referral, emergency rerouting arrangements and luggage retrieval, etc. For details, please refer to the policy) unlimited 60,000 an one-way scheduled airline ticket (economy class) an one-way scheduled airline ticket (economy class) 50,000 - Basic Benefit II. Annual Travel Protection 10 Insured Items & Coverage Maximum Benefit (HK$) (Per insured person and per journey) 1. Personal Accident - Death / permanent total disablement / permanent total loss of both limbs / permanent total loss of sight of two eyes / permanent total loss of one limb and loss of sight of one eye / major burns (claims are calculated on the basis of burn surface area) resulting from accident during the journey - Permanent total loss of one limb or loss of sight of one eye / permanent total loss of speech / permanent total loss of hearing in both ears resulting from accident during the journey (Maximum benefit payable is 50% of the specified amount) (Maximum benefit payable for child(ren) or insured person aged over 70 is HK$250,000) Silver 1,000,000/year Gold 1,200,000/year 2. Compassionate Death Cash Benefit Death of the insured person caused by accident or sickness occurred during the journey (In the event of death caused by sickness, maximum benefit payable is 40% of the specified amount) 3. Medical and Relevant Expenses (a) Medical expenses (including out-patient, surgical and doctor s fee) incurred as a direct result of accidental bodily injury or sickness occurred during the 30,000 50,000 1,000,000 1,200,000 journey (Maximum benefit payable for child(ren) or insured person aged over 70 is HK$250,000) i. Follow-up medical, hospital and treatment expenses incurred in HKSAR within 3 months after the insured person s return from abroad 75,000 80,000 (including bonesetter, Chinese herbalist and acupuncture expenses, provided that the maximum benefit payable is HK$150 per day and up to a maximum benefit of HK$2,000 in total) ii. Expenses associated with the transport of body after death (In no event shall the total amount payable under item (a) exceed 100% of the 100, ,000 corresponding limit in item (a) as stated in the insured plan) FCP-L2010-V01

6 (b) Daily hospital cash benefit: for hospital confinement exceeding 24 hours either outside the HKSAR, or immediately return to the HKSAR as a result of bodily injury or sickness occurred during the journey, daily hospital cash will be paid. 4. Baggage and Personal Effects Covers the loss of or damage to the insured person s baggage and personal effects, and extends to cover loss or damage to the insured person s personal notebook computers as a result of theft or robbery as well (Maximum benefit payable is HK$3,000 for any one article / any one pair of articles) 5. Delayed Baggage Emergency purchases of essential items, requisites or clothing upon temporary deprivation of baggage for at least 8 hours from time of arrival at destination abroad for the insured person due to misdirection in delivery or hi-jacking 6. Personal Money and Travel Documents Loss of cash or travelers cheques as a direct result of robbery and cost of replacing air ticket or other travel documents 7. Legal Liability Protection against the legal liability for any third party s death, bodily injury or property damage caused by the insured person s negligence 8. Travel Delay / Re-routing If the departure of scheduled flight or sea vessel is delayed for more than 8 hours as a result of strike, industrial action, poor weather or mechanical breakdown, one of the following benefits will be payable to the insured person: - cash benefit of HK$250 will be paid for each 8-hour travel delay; or - additional transportation and accommodation expenses necessarily incurred by the insured person for re-routing 9. Cancellation of Journey Protection for the insured person against the loss of non-refundable deposits or prepaid expenses if the journey has to be cancelled due to (a) death, illness or serious accident of the insured person or family members or close business partners; or (b) issuance of Black Alert 11 for the planned destination by the Government of HKSAR under the Outbound Travel Alert System Curtailment of Journey - If the trip has to be curtailed after its commencement due to (a) death, injury, illness or hi-jack occurring to the insured person or the person with whom the insured person is traveling with or family members or close business partners; or (b) issuance of Black Alert for the planned destination by the Government of HKSAR under the Outbound Travel Alert System 6 the non-refundable prepaid costs on the unused portion of the journey will be reimbursed proportionally to the insured person - One-off cash allowance of HK$1,000 will be payable in the event of unavoidable curtailment of the planned journey or when the insured person is unavoidably delayed (for more than 8 hours and by means of any kind of transportation vehicle) in the course of a planned journey as stipulated prior to departure due to issuance of Black Alert for the planned destination - Covers additional accommodation expenses necessarily incurred to replace lost travel documents as a result of robbery, burglary or theft during the travel period 6,000 (500/day) 8,800 (550/day) 15,000 20,000 1,500 3,000 5,000 6,000 2,500,000 5,000,000 2,500 3,000 5,000 6,000 35,000 50,000 35,000 50, FCP-L2010-V01

7 11. Loss of Home Contents Loss of or damage to home contents due to burglary occurred at the insured person s unoccupied home whilst the insured person is traveling aboard (maximum HK$3,000 per item) 12. Credit Card Outstanding Balance Protection In the event of accidental death of the insured person during the journey, repayment of the outstanding balance of the credit card for transactions charged to such cards during the journey (This benefit does not apply to child(ren)) hour Worldwide Emergency Assistance Services (If Basic Benefit I. Personal Accident Protection is insured, this item 13 under Basic Benefit II. Annual Travel Protection is not applicable) 10,000 15,000 4,000 5,000 Maximum benefit is the same as in item 7 of Basic Benefit I. Personal Accident Protection Note: 10. Maximum cover period for each single journey is 60 days. 11. Cancellation of Journey benefit will only be payable if Black Alert has not been issued for the planned destination prior to the booking the scheduled journey. Basic Benefit III. Home Protection 12 Insured Items & Coverage 1. Home Contents All risks coverage, including explosion, fire, burst of water pipe, burglary, malicious damage, flood, typhoon, landslide, subsidence or other accidental damage (Excess: water damage - HK$500 or 10% of loss, whichever is higher; others - HK$ 500) - Valuables - Brittle Items Maximum Limit of Indemnity under item 1 - Home Contents and Valuables during the typhoon or rainstorm season 7 shall be adjusted as follows: - Home Contents - Valuables Extended Coverage for Home Contents: (A) Interior Decoration/Refurbishment Works Covers accidental physical loss of or damage to home contents caused by contractors during the period of interior decoration or refurbishment work. Such decoration or refurbishment works must be completed within two consecutive months and the relevant expenses must not be greater than the maximum contract value as specified in each insured plan (Excess: water damage - HK$500 or 10% of loss, whichever is higher; others - HK$ 500) (B) Home Contents Removal Covers accidental physical loss of or damage to home contents by professional removers in the course of removal from the home to the new home located in HKSAR (Excess: HK$1,000) Maximum Limit of Indemnity (HK$) Silver Value Gold Value Silver Gold Only applicable if gross floor area of the home is 750 square feet or below 600,000/event (60,000/item) 150,000/year (10,000/item) 8,000/item 720,000/event 180,000/year Maximum contract value: 120,000 (6,000/item) 600,000/event (60,000/item) No limitation on gross floor area of the home 13 1,000,000/event (100,000/item) 250,000/year (15,000/item) 10,000/item 1,200,000/event 300,000/year Maximum contract value: 200,000 (10,000/item) 1,000,000/event (100,000/item) 1,200,000/event (120,000/item) 280,000/year (17,000/item) 12,000/item 1,440,000/event 336,000/year Maximum contract value: 240,000 (12,000/item) 1,200,000/event (120,000/item) FCP-L2010-V01

8 (C) Alternative Accommodation / Loss of Rental Covers reimbursement of temporary accommodation / loss of rental income if the home becomes uninhabitable due to an insured accident (D) Temporary Removal (Maximum temporary storage period cannot exceed 180 days) - Covers accidental physical loss of or damage to home contents whilst temporarily being removed from the home to any other premises for the purpose of professional cleaning, repair or renovation within HKSAR - In the event of any insured accident happened in the home, protection is extended to cover the moving expenses of home contents whilst in transit from the home to any other temporarily stored premises and returning back home by remover. (E) Personal Effects (excluding mobile phones, spectacles and cash) - Covers accidental physical loss of or damage to your and/or your family members personal effects and valuables happened anywhere in the world (Excess: HK$500) - Covers accidental physical loss of or damage to domestic helper s personal effects due to burglary at the home (Excess: HK$500) (F) Loss of Money Covers loss of money due to burglary or robbery at home (G) Replacement of Personal Documents Covers the actual cost or fees necessarily incurred for replacement of the lost or damaged personal documents including passport, driving license, HKID card or other travel documents due to burglary or robbery at the home (H) Unauthorized Use of Credit Card Covers the loss caused by unauthorized use of credit card(s) due to burglary or robbery at the home (I) Replacement of Windows, Door Locks and Keys Covers reasonable costs of replacing damaged windows, door locks and keys due to burglary at the home (J) Removal of Debris Covers the actual cost and expenses necessarily incurred in the removal of debris caused by any insured accident (K) Frozen Food Covers the cost of replacing food and drinks which are spoilt in the refrigerator as a result of accidental breakdown of the refrigerator and/or accidental failure of electricity supply (Excess: HK$200) (Total aggregate amount of claim payable under item 1 Home Contents above shall not exceed the insured plan s maximum limit of indemnity) 30,000/event (1,000/day) 50,000/event (1,500/day) 60,000/event (1,800/day) 50,000/event 80,000/event 100,000/event 2,000/event 3,000/event 4,000/event 15,000/year 21,000/year 30,000/year (6,000/item) (8,000/item) (10,000/item) 10,000/year 15,000/year 18,000/year (3,000/item) (4,500/item) (5,000/item) 3,500/event 4,000/event 4,500/event 3,500/event 4,000/event 4,500/event 3,000/event 4,000/event 5,000/event 3,000/event 4,000/event 5,000/event 5,000/event 8,000/event 10,000/event 2,500/event 3,000/event 3,500/event FCP-L2010-V01

9 2. Legal Liability Protects against the legal liability occurring at home in the event of your and/or your family members negligence, in the following personal capacity causing any third party s death, bodily injury or property damage: (a) (b) as private householder occupying the home; or as owner(s) of the home Extended Coverage (A) Home Owners Liability: (A1) (A2) If you are not the owner of the home, protection is extended to protect the owner of the home against legal liability solely arising out of the occupation by you and/or your family members of the home. During the period of insurance, the home must be possessed by the owner, in the name of a company and/or a director of that company and provided to you, as an employee, for accommodation. Protection is extended to protect the owner of the home against legal liability arising out of the common parts of the building of which the home is insured, caused by the negligence of the Owner s Corporation and/or Property Management Company of the building and/or the owner of the home. (B) Tenant s Liability: protection is extended to protect against the legal liabilities for damages to the rented and occupied home caused by your and/or your family members negligence in the capacity of tenants. (C) Worldwide Personal Liability: protection is extended to protect against the legal liability for any third party s death, bodily injury or property damage caused by your and/or your family members negligence whilst outside the home or during a temporary visit of not exceeding 30 days outside HKSAR. (D) Domestic Helper Liability: protection is extended to protect against the legal liability for any third party s death, bodily injury or property damages caused by your domestic helper s negligence arising out of and in the course of employment (Total aggregate amount of claim payable under item 2 - Legal Liability above shall not exceed the insured plan s maximum limit of indemnity) 6,000,000 6,000, ,000 1,000, ,000 10,000,000 10,000, ,000 1,000, ,000 12,000,000 12,000, ,000 1,000, , Personal Accident 200,000/year 300,000/year 400,000/year Protect you and/or your family members suffering death or permanent total disablement as result of fire caused by accident or burglary at the home. (100,000/person) (100,000/person) (100,000/person) Cash Allowance for Health Supplement Additional Coverage: 200/day 300/day 500/day If you and/or your family members suffer bodily injury as a result of fire caused by accident or burglary at home and hospital treatment is required as a result, cash allowance will be payable from the 8th day of hospital confinement onward, with a maximum pay up to 5 days per event FCP-L2010-V01

10 4. Domestic Helper Employees Compensation (Applicable to local 100,000, ,000, ,000,000 and/or overseas domestic helper aged from 18 to 60 years old) /event /event /event Covers your liabilities as an employer to your domestic helper against accidents and injuries arising out of and in the course of employment under the Employees Compensation Ordinance and Common Law. 5. Free 24-hour Home Assistance Service Hotline Provides free referral services, such as electrical assistance, plumbing assistance, 24-hour emergency locksmith assistance, contractor for general repair of household items, baby-sitting /registered nursing, temporary domestic helper, and home cleaning/pest control. Notes: 12. If the insured home is rented out by the insured: BOCG Insurance will offer the following Insured Items and Coverage to the insured only, whilst his/her family members are not entitled to any indemnity under this policy: The insured s home contents which are owned by the insured and are placed in the insured home, excluding valuables and brittle items under Item 1 Home Contents ; Extended Coverage to Home Contents item (C) - Loss of Rental and item (J) Removal of Debris ; Item 2 Legal Liability. 13. If the home has a gross floor area that is more than 1,500 square feet, separate quote will be provided. Optional Benefit I. Golfers Protection 14 Insured Items & Coverage Maximum Benefit (HK$) (Per insured person) 1. Golfing Equipment Accidental loss of or damage to the insured person s golfing equipment during the transit to or from or whilst at any recognised golf club 16, golf course or driving range (Maximum benefit payable for child(ren) is 20% of the maximum benefit payable to the insured) 2. Hole-in-one Covers expenses for celebration of accomplishing a hole-in-one by the insured person at any recognised golf club 16 (Maximum benefit payable for child(ren) is 20% of the maximum benefit payable to the insured) 3. Personal Effects Accidental loss of or damage to the insured person s personal effects in any recognised golf club 16, golf course or driving range (excluding jewellery, silver / gold articles, furs, cash, credit cards and cheques) (This benefit does not apply to child(ren)) 4. Golfing Journey Cancellation Covers non-refundable deposits and prepaid cost of the journey incurred by the insured person for cancellation of golfing journey outside HKSAR as a result of death, serious accidental bodily injury causing hospital confinement for more than 24 hours of the insured person or his/her immediate family members or close business partners, all being residents of HKSAR (This benefit does not apply to child(ren)) 5. Legal Liability 15 Protects against the legal liability for any third party s death, bodily injury or property damage caused by the insured person s negligence while playing or practising golf at any recognised golf club 16, golf course or driving range (This benefit does not apply to child(ren)) hour Worldwide Emergency Assistance Service Hotline Provides free golf course referral and booking hotline assistance service 30,000/year (3,000/item) 60,000/year 12,000/occurance 12,000/year (2,500/item) 5,000/event 5,000,000/year/event FCP-L2010-V01

11 Notes: 14. Territory Limit: Worldwide 15. Legal Liability Limitation : 15.1 Maximum benefit for overseas legal liability claims under the policy shall not exceed HK$5,000,000 if Basic Benefit II. Annual Travel Protection has also been applied for at the same time Maximum benefit for legal liability claims arising outside the home under the policy shall not exceed HK$5,000,000 if Basic Benefit III. Home Protection has also been applied for at the same time. 16. Recognised golf club: means any golf club with golf course that has 18 holes and 72 pars or above. Optional Benefit - II. Domestic Helper Protection 17 Insured Items & Coverage Maximum Benefit (HK$) 1. Employer s Liability 100,000,000/event Covers the legal liabilities as an employer to the domestic helper against accidental injury arising out of and in the course of employment under the Employees Compensation Ordinance and Common Law 2. Clinical Expenses Out-patient medical treatment received by the domestic helper from a registered 3,000/year (160/visit/day) medical practitioner for illness or injury resulting from accident 3. Surgical and Hospitalization Expenses 30,000/year Domestic helpers actual in-patient or surgical expenses incurred as a result of sickness or injury caused by accident - Room, board & other miscellaneous hospital charges 300/day - Surgical fee 12,000/disability - Anesthetist s fee 3,000/disability - Operating theatre fee 1,500/disability (Total aggregate amount of benefits payable under this item 3 Surgical and Hospitalization Expenses above shall not exceed this item s maximum benefit) 4. Dental Expenses 2,000/year If your domestic helper requires oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease, compensation of two-thirds of the actual expenses will be payable for each claim, provided that such treatment is received from a registered dentist 5. Personal Accident 200,000/year If the domestic helper suffers from accidental death or injury during his / her rest days and resulting in one of the following losses within 12 calendar months: - Accidental death 200,000/event - Permanent total loss of both limbs or loss of sight of both eyes 200,000/event - Permanent total loss of one limb and loss of sight of one eye 200,000/event - Permanent total loss of one limb or loss of sight of one eye 100,000/event (Total aggregate amount of benefit payable under this item 5 Personal Accident above shall not exceed this item s maximum benefit) 6. Repatriation Expenses 15,000/year Reimburse the actual expenses of repatriating the domestic helper from the HKSAR to his/her country of origin in the event that he/she is suffered from sickness, injury or death resulting in being certified by a registered medical practitioner to be medically unfit to work so that the contract of service has to be terminated: - the cost of scheduled flight (economy class) to return the domestic helper from HKSAR back to the country of origin, including the cost of ambulance transfer to and from the airport - the cost of returning the body from HKSAR back to the country of origin due to death FCP-L2010-V01

12 7. Temporary Domestic Helper Allowance Actual expenses reasonably and necessarily incurred for hiring a temporary domestic helper when the domestic helper is unable to work for at least 5 consecutive days due to hospitalization 8. Replacement of Domestic Helper Expenses Actual expenses reasonably and necessarily incurred for hiring a new domestic helper if the contract of service of the domestic helper has to be terminated due to health reasons (the domestic helper must be certified by a registered medical practitioner as being medically unfit to work) 9. Fidelity Cover Protects the employer against the financial loss arising from a dishonest act committed by the domestic helper. Extended Coverage: 9.1 Charges for unauthorized long distance call 9.2 Necessary expenses for the replacement and installation of main door lock or metal gate lock following the termination of employment contract with the domestic helper due to discovery of his/her act of infidelity Optional Benefit 10. Critical Illness Benefit: Reimburses the actual medical expenses incurred in the event that the domestic helper is diagnosed with any of the 12 specified critical illnesses and needs to receive treatment in hospital, medical laboratory, medical imaging centre in HKSAR or diagnosis or treatment by registered medical practitioner in HKSAR. - The 12 types of Critical Illnesses are: Cancer, Cardiomyopathy, Stroke, Coronary Artery Bypass Grafting, Benign Brain Tumor, Heart Attack, Bacterial Meningitis, Tuberculous Meningitis, Liver Failure, Kidney Failure, Parkinson s Disease, and Coma - Not applicable to treatment by Chinese herbalist - No benefit will be payable if there are any signs or symptoms of the critical illness prior to effective date of this optional benefit - If the insured domestic helper s maximum benefit under Critical Illness Benefit has been fully paid, such insured domestic helper s Critical Illness Benefit will be immediately terminated Notes: 17. Territorial Limit : HKSAR 7,500/year (200/day) 7,500/year 10,000/year 3,500/year 500/year 100,000/year FCP-L2010-V01

13 Premium (HK$) (If the insured choose to pay the premium monthly, the whole policy must be paid monthly. The same applies to insured who selected to pay the premium annually. If Home Protection is insured and the home has a gross floor area that is more than 1,500 square feet, separate quote will be provided) Basic Benefits Insured Category Insured only Insured Item Personal Accident + Annual Travel Personal Accident + Home Annual Travel + Home Personal Accident + Annual Travel + Home Personal Accident + Annual Travel Silver Value Annual Payment Gold Value only applicable to home with gross floor area of 750 square feet or below Silver Gold only applicable to home with gross floor area of 1,500 square feet or below Silver Value Monthly Payment Gold Value only applicable to home with gross floor area of 750 square feet or below Silver Gold only applicable to home with gross floor area of 1,500 square feet or below N/A N/A 1,980 2,880 N/A N/A ,800 2,508 2,748 3, ,752 1,836 2,520 3, ,676 3,444 3,540 4, N/A N/A 3,792 5,508 N/A N/A Insured and Family 18 Personal Accident + Home Annual Travel + Home Personal Accident + Annual Travel + Home 2,904 4,320 3,816 5, ,712 2,940 3,420 4, ,596 5,328 5,460 7, Optional Benefits Annual Payment Monthly Payment I. Golfers Protection i. Insured only ii. Insured and Family II. Domestic Helper 19 Protection i. Basic Benefit 432 / each person 36 / each person ii. Critical Illness Optional Benefit 348 / each person 29 / each person Notes: 18. Insured and Family means legally married couple and all the legitimate child (ren) who is/are unmarried, not at work and aged between 6 weeks and 17 years old. 19. Insured domestic helper must be aged between 18 and 60 years old, and a full-time oversea employee of the insured under a written contract of domestic service (Domestic Helper Employees Compensation Cover under item 4 of Home Protection extends to cover local domestic helper aged between 18 and 60 years old) FCP-L2010-V01

14 Premium Payment Methods: 1. Auto-pay through bank account with Nanyang Commercial Bank Limited i. Annual payment: Please complete the Direct Debit Authorization Form together with cash or a crossed cheque made payable to Bank of China Group Insurance Company Limited for the premium of the first year and submit to any branch of Nanyang Commercial Bank Limited in HKSAR. ii. Monthly payment: Please complete the Direct Debit Authorization Form together with cash or a crossed cheque made payable to Bank of China Group Insurance Company Limited for the premium of the first 3 months and submit to any branch of Nanyang Commercial Bank Limited in HKSAR. 2. Payment made by credit card i. Annual payment: Please complete the Credit Card Authorization Form and submit to any branch of Nanyang Commercial Bank Limited in HKSAR. If the payment is settled by BOC Credit Card 12-Month Interest-free Monthly Instalment, please complete and submit the BOC Credit Card Interest-free Instalment Direct Debit Authorization Form, and proceed card payment at any branch of Nanyang Commercial Bank Limited in HKSAR. ii. Monthly payment: Please complete the Credit Card Authorization Form and submit to any branch of Nanyang Commercial Bank Limited in HKSAR. BOCG Insurance will collect premium of 3 months in advance from the client s credit card account in the first month. 3. Payment made by cheque (Applicable to Annual payment only) Please submit a crossed cheque payable to Bank of China Group Insurance Company Limited to any branch of Nanyang Commercial Bank Limited in HKSAR. Major Exclusions: For more details and other exclusions, please refer to the policy provisions. All Protection: Pre-existing physical defects, act of war, civil commotion, act of terrorism (inapplicable to insured item 1 - Employer s Liability of Domestic Helper Protection), professional sports competition, suicide, pregnancy, influence of alcohol, drug addiction, AIDS, traveling for the purpose of studying (inapplicable to Free Student Overseas Travel Cover under Annual Travel Protection), migration, business trip involving any dangerous assignments, projects or occupation of a manual nature. Home Protection: Wear and tear; electrical or mechanical breakdown; contact lenses, portable phones, pagers, deliberate or malicious act, war, act of terrorism, damages due to poor construction or lack of maintenance of the buildings, damages caused by any unexplained or mysterious disappearance, and consequential loss; damages caused by water seepage. Golfers Protection: Any person with occupation as golfer; failure to provide certificate of proof from a recognised golf club 16 for a hole-in-one; or loss or damage caused by or resulting from wear and tear or deterioration. Enrollment Age and Other Restrictions: The insured and his/her spouse must be aged 18 or above, and the insured must be one of the insured persons. All insured person(s) must be ordinarily residing and legal resident(s) of the HKSAR and aged between 6 weeks and 75 years old, renewal age is up to 80 years old (except for domestic helper). If the insured category is Insured and Family, the maximum benefit for all insured persons under Personal Accident Protection, Annual Travel Protection or Golfers Protection shall not exceed 200% in aggregate of the amount specified in each covered item under each Protection s insured plan. At the time of the incident, if the Insured and Family includes child(ren), such limitation shall not be applicable to Items 1 and 7 under Personal Accident Protection, Items 1, 2, 11 and 13 under Annual Travel Protection and Items 1 and 2 of Golfers Protection. If the insured terminates the prior to the expiry date of the policy, he/she will still be required to pay at least 50% of the total annual premium. Terms and Conditions: The is underwritten by BOCG Insurance. Nanyang Commercial Bank Limited is one of the agents of BOCG Insurance. BOCG Insurance reserves the sole discretion to determine whether to accept any application for the in accordance with the information submitted at the time of the application by the insured and/or insured person. BOCG Insurance reserves the right to amend or withhold any terms and conditions in respect of the without prior notice. This promotional material is for reference only. Details of the coverage of the are subject to the terms and conditions stipulated in the policy by BOCG Insurance. Please refer to the policy documents for the details of the insured items and coverage, provisions and exclusions. If there is any discrepancy between the English version and Chinese version of this promotional material, the English version shall prevail FCP-L2010-V01

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