Terms & Conditions
a) Airport Transfer Limousine
b) Travel Accident Insurance
ACE Insurance Limited (hereinafter called the "Company") hereby certifies an American Express Cardmember who receives this Certificate (superceding all prior certificates which are now null and void) has Travel Accident coverage as outlined below subject to the provisions, limits and other terms contained in the Master Policy which is held by American Express International, Inc., Hong Kong (hereafter referred to as the "Policyholder"), and which may be inspected there.
Master Policy Number for The American Express
Card : HMM0801988
Master Policy Number for The American Express Platinum Credit Card
/ American Express Gold Card / American Express Peninsula Gold Card
/ American Express Singapore Airlines KrisFlyer Gold Credit Card
: HMM0801990
Policyholder : American Express International, Inc., Hong Kong
Covered Person :
A person shall be a Covered Person under Master Policy Number HMM0801988
/ HMM0801990 ("the Policy") only if:
i. He or she is
a) The Basic or Supplementary Cardmember who has an American Express
Card issued by the Policyholder and billed in Hong Kong Dollars;
or
b) The legally married spouse or dependent child under age 23 of
any Covered Person described in a) above; and
ii. His or her American Express Card is billed by the Policyholder.
For the purpose of this Policy, a common law marriage is not considered
a legal marriage.
Dependent Child means a legally dependent child, including a stepchild
or legally adopted child of any Covered Person described in i. a)
above; and who is wholly dependent on such Covered Person(s) for
financial support.
COVERAGE REQUIREMENTS
A Covered Person will be fully insured for benefits under the Policy
while taking a trip on a Common Carrier Conveyance only when the
entire fare has been charged to an American Express Card.
MAXIMUM INDEMNITY PER COVERED PERSON
In the event the entire fare has been charged to duplicate or multiple
American Express Cards while the Covered Person taking a trip on
a Common Carrier Conveyance, the Covered Person will entitle for
the highest benefit under one such card, as stated in the "Schedule
of Benefits", for any one Loss sustained by any one individual
Covered Person as a result of any one accident.
In no event will duplicate or multiple American Express Cards or
American Express Travel Cover or Travel Accident Insurance Certificates
obligate the Company in excess of the "Schedule of Benefits"
for any one Loss sustained by any one accident under Master Policy
HMM0801988 / HMM0801990 or under similar American Express Travel
Cover or Travel Accident Insurance Certificates wherever issued.
DEFINITIONS
"Injury" means bodily injury which:
i. is caused by an accident which occurs whilst the Covered Person's
insurance is in force under the Policy; and
ii. results in Loss insured by the Policy; and
iii. creates a Loss due, directly and independent of all other causes,
to such accidental bodily injury.
"Loss" as used above with reference to hand or foot means complete and permanent severance through or above the wrist or ankle joint, and as used with reference to eye means the irrecoverable loss of entire sight of such eye.
"Common Carrier Conveyance" means any air, land or water conveyance operated under a license for the transportation of passengers for hire.
"Covered Trip" means
i. a trip (one-way or round trip) taken by the Covered Person between
the Point of Departure and the Final Destination as shown on the
Covered Person's ticket; and
ii. the Covered Person's entire fare for such trip has been charged
to an American Express Card prior to any Injury.
"Scheduled Airline" means an airline listed in the Official Airline Guide or ABC World Airways Guide where the air carrier holds a certificate, license or similar authorization for scheduled air transportation issued by the relevant authorities in the Country in which the aircraft is registered, and in accordance with such authorization, maintains and publishes schedules and tariffs for passenger service between named airports at regular and specific times.
DESCRIPTION OF BENEFITS
Common Carrier Benefit :
The benefits specified in the Schedule of Benefits will be paid
if, a Covered Person suffers Loss resulting directly or independently
of all other causes, from accidental Injury on or after the date
of ticket purchase; provided, however, such Injury is sustained
under the circumstances specified as below:
* Such Injury received while riding as a passenger, in or boarding
or alighting or being struck by the Common Carrier Conveyance.
Additional Benefits :
1. Airport Transportation Benefit :
If a Scheduled Airline ticket is purchased for a Covered Trip prior
to the Covered Person's departure for the airport, this Benefit
is payable if the Covered Person sustains any Injury while riding
as a passenger in a land Common Carrier Conveyance, rental car or
a scheduled helicopter operated as a Common Carrier Conveyance,
but only :
a) when going directly to an airport for the purpose of boarding
an aircraft for a Covered Trip; or
b) when leaving directly from an airport after alighting from an
aircraft from a Covered Trip.
2. Airport Premises Benefit :
If a Scheduled Airline ticket is purchased for a Covered Trip prior
to boarding, this Benefit is payable if the Covered Person sustains
any Injury while upon any airport premises designated for passenger
use, but only when the Covered Person is upon such premises immediately
before boarding, or immediately after alighting from, an aircraft
from a Covered Trip.
SCHEDULE OF BENEFITS :
The American Express Card
Coverage Maximum Benefit Amounts
Loss of Life HK$800,000
Dismemberment:
Loss of both hands or both feet HK$800,000
Loss of one hand and one foot HK$800,000
Loss of entire sight of both eyes HK$800,000
Loss of entire sight of one eye and
Loss of one hand or one foot HK$800,000
Loss of one hand or one foot or
the entire sight of one eye HK$400,000
The American Express Gold Card / American Express
Peninsula Gold Card / American Express Singapore Airlines KrisFlyer
Gold Credit Card
Coverage Maximum Benefit Amounts
Loss of Life HK$2,750,000
Dismemberment:
Loss of both hands or both feet HK$2,750,000
Loss of one hand and one foot HK$2,750,000
Loss of entire sight of both eyes HK$2,750,000
Loss of entire sight of one eye and
Loss of one hand or one foot HK$2,750,000
Loss of one hand or one foot or
the entire sight of one eye HK$1,370,000
The American Express Platinum Credit Card
Coverage Maximum Benefit Amounts
Loss of Life HK$3,500,000
Dismemberment:
Loss of both hands or both feet HK$3,500,000
Loss of one hand and one foot HK$3,500,000
Loss of entire sight of both eyes HK$3,500,000
Loss of entire sight of one eye and
Loss of one hand or one foot HK$3,500,000
Loss of one hand or one foot or
the entire sight of one eye HK$1,740,000
The Company will pay the applicable benefit amount if a Covered Person suffers a Loss from an Injury while coverage is in force under the Policy, but only if such Loss occurs within 100 days after the date of accident which caused the Injury. Indemnity provided hereunder will not be paid under any circumstances for more than one of the Losses, the greatest, sustained by an Insured Person as the result of any one accident.
ON-BOARD TICKETING :
In the event a Covered Person suffers a Loss on-board a Scheduled
Airline flight for which the airline sells tickets on-board the
flight and the Covered Person has not purchased his or her ticket
by charging the ticket to an American Express Card prior to boarding
the flight, the Company will evaluate and pay such Loss where it
can establish that no other form of payment was used for the flight
in question.
EXPOSURE AND DISAPPEARANCE
If the Covered Person is unavoidably exposed to the elements because
of an accident on a Covered Trip which results in disappearance,
sinking or wrecking of a Common Carrier Conveyance, and if as a
result of such exposure, the Covered Person suffers a Loss for which
benefits are otherwise payable under the Policy, such Loss will
be covered under the Policy.
If the Covered Person disappears because of an accident on a Covered
Trip which results in the disappearance, sinking or wrecking of
a Common Carrier Conveyance, and if the Covered Person's body has
not been found within 52 weeks after the date of such accident,
it will be presumed, subject to there being no evidence to the contrary,
that the Covered Person suffered Loss of life as a result of Injury
covered by this Policy.
EXCLUSIONS
This Policy does not cover any Loss caused or contributed to by:
i. Suicide or self-destruction or any attempt thereat;
ii. War or any act of war whether declared or undeclared;
iii. Injury to which a contributory cause was the commission of,
or attempt to commit, an illegal act by or on behalf of the Covered
Person or his or her beneficiaries.
iv. While serving as an operator or crewmember of any Common Carrier
Conveyance.
v. Any illegal act by or on behalf of the Covered Person and/or
his beneficiaries.
vi. Directly or indirectly, the actual, alleged or threatened discharge,
dispersal, seepage, migration, escape, release of or exposure to
any hazardous biological, chemical, nuclear or radioactive material,
gas, matter or contamination.
CLAIMS
Written notice of a claim must be given to ACE Insurance Limited,
25th Floor, Shui On Centre, No. 6 - 8 Harbour Road, Wanchai, Hong
Kong within 60 days after the occurrence or commencement of any
Loss covered by the Policy or as soon thereafter as reasonably possible.
Benefits will be payable upon receipt of due written proof, as required
by the Company, of a legitimate covered Loss.
Payments of Claims: Benefits will be paid to the surviving Covered
Person or equally to the beneficiaries in the first of the following
classes of successive preference beneficiaries in which there is
a living member:
a. the Covered Person's spouse;
b. His or her children, including legally adopted children;
c. His or her parents;
d. His or her brothers and sisters;
e. His or her estate.
In determining such person or persons, the Company may rely upon
an affidavit by a member of any of the classes of preference beneficiaries
described above. Payment based upon such affidavit shall fully discharge
the Company from all obligations under the Policy. Any amount payable
to a minor may be paid to the minor's legal guardian. Benefits for
all other Losses sustained by a Covered Person will be paid to the
Covered Person, if living, otherwise to the beneficiaries.
INDIVIDUAL TERMINATIONS
The insurance of any Covered Person shall immediately terminate:
i. As of the date this Policy shall terminate;
ii. On the date that the Cardmember ceases to be a Covered Person
hereunder except that no person shall cease to be a Covered Person
solely by reason of the change of residence of the Cardmember.
iii. As of the premium due date, if the Policyholder fails to pay
the required premium for the Cardmember except as the result of
inadvertent error.
LEGAL JURISDICTION AND
GOVERNING LAW
The Company shall in all competent judicial proceedings at the instance
of parties suing in respect of matter arising out of this insurance
acknowledge the jurisdiction of the Courts in Hong Kong Special
Administrative Region of the People's Republic of China (herein
after known as "Hong Kong"). The Policy shall be governed
by and interpreted in accordance with Hong Kong Law, except as otherwise
stated herein.
TERMINATION OF POLICY
This Policy may be amended or terminated at any time by written
agreement between the Company and the Policyholder. The Policyholder
or the Company may, however, terminate this Policy at any time by
giving written notice of termination to other party, but the date
of termination shall not be less than ninety (90) days after the
date the Policyholder or the Company receives such notice unless
an earlier date is mutually agreeable to the Policyholder and the
Company.