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家家家家 傭傭傭傭 綜綜綜綜 合合合合 險險險險 保保保保 單單單單

DOMESTIC HELPER INSURANCE PACKAGE POLICY

1. COVER 承保

1.1 Whereas the Insured has made to CHINA TAIPING INSURANCE (HK) CO. LTD. (hereinafter called “THE COMPANY”) a written Proposal and Declaration which together with all statements made in writing including Renewal Declarations by the Insured shall be the basis of this contract and be considered as incorporated herein. 本保險契約是根據保戶向中國太平保險(香港)有限公司(以下簡稱 “本公司”)提供之書面投保及續保聲明而制定，有關該等聲明內容將會作為本保險之立約基礎。

1.2 In consideration of the payment of the Premium, and the due observance and fulfilment of the terms and conditions of this Policy or of any renewal thereof insofar as they relate to anything to be done or complied with by the Insured and/or the Insured Person and subject to the terms, conditions, exclusions and memoranda contained herein or endorsed hereon if any of the Events referred to the Schedule of Benefits shall happen, THE COMPANY will pay the Benefits to the Insured or in the case of death of the Insured Person to the Insured Person’s legal personal representative. 鑒於保戶及 / 或受保障人已繳付保險費，並遵守及履行本保險單之條款及有關之續保規定，本公司會依據本保險單所載之條件、條款、除外責任及附錄内容，向保戶給付因發生承保表所列事故而應得的利益。倘受保障人身故，應付賠款會付與受保障人之法定代表。

2. DEFINITIONS 定義

In this Policy 在此保險單項下

2.1 “The Benefit” means the sum set out in the Schedule of Benefits against the relevant Event.

“利益”意思是指在保障利益表上列出對照有關事故之金額。

2.2 “Employer’s Liability” means legal liability of the Insured for accidental injury, disease or sickness of the Insured Person occurring during the Period of Insurance and arising out of and in the course of the Insured Person’s employment.

“僱主責任”意思是指保戶對受保障人在保險期限內發生因在受僱期間從事受僱工作而引致的意外受傷、死亡或疾病之法律責任。

2.3 “Clinical Expenses” means expenses (after deduction of any sums recovered or recoverable from all other sources) reasonably and necessarily incurred by the Insured Person during the Period of Insurance for medical treatment and prescribed medical supplies received from a legally qualified and registered medical practitioner.

“診療費用”是指受保障人在保險期內，從一個法定認可的註冊醫生處獲得合理必須的醫療診治所需之費用。(該等費用必須扣除可從一切其他途徑獲得的攤回款項)。

2.4 “Surgical and Hospitalisation Expenses” means expenses reasonably and necessarily incurred by the Insured Person during the Period of Insurance while as a patient confined in a Hospital for treatment or surgery.

“外科及醫院費用” 意思是指受保障人在保險期限內入住醫院接受治療或手術所需的合理費用。

2.5 “Dental Expenses” means expenses reasonably and necessarily incurred by the Insured Person for oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease during the Period of Insurance provided such treatment and services are received from a legally qualified and registered dentist.

“牙科費用” 意思是指受保障人在保險期限內接受法定認可的註冊牙醫提供由於牙科疾病引致的口部手術、膿瘡診治、X光、拔除及填補等治療所需之合理費用。

2.6 “Personal Accident Benefits” means accidental death and permanent disablement benefits as specified in the Schedule of Benefits occurring within one year after the date of injury of this Policy.

“人身意外利益保障” 意思是指受傷日計起一年期限內發生在保障利益表上註明的意外死亡及永久傷殘利益。

2.7 “Loss of Services Cash Allowances” means cash allowances for loss of services arising from the Insured Person being hospitalized due to sickness or injury.

“中斷服務現金津貼” 意思是指受保障人因疾病或受傷而需入院治療所致之中斷服務現金津貼。

2.8 “Repatriation Expenses” means reimbursement to the Insured for the cost of repatriating the Insured Person to his/her country of origin following his/her death or medical unfitness to continue the contract of employment.

“遣送費用” 意思是指補償保戶因受保障人死亡或醫護理由而不能繼續工作，需遣送回原居地的費用。

2.9 “Replacement Helper Expenses” means extra expenses reasonably and necessarily incurred for getting a new helper in the event the Insured Person (the Domestic Helper) is repatriated due to serious injury, illness or death.

“重新聘用家傭費用” 意思是指受保障人(家傭)發生嚴重受傷，重病或死亡身故而必須遣返的情況下，保戶需另聘一新家傭之合理額外費用。

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2.10 “Period of Insurance” means the period specified in the Schedule and any subsequent period for which the Insured shall have paid and THE COMPANY shall have accepted a renewal premium. For policy effected on the basis of 24 month’s cover, the Period of Insurance where applied to Sum Insured as specified against each line to benefit in the Schedule hereof is construed to be twelve calendar months counting from the date of inception of this Policy or day immediately after expiry of the said twelve months as far as applicable. For Period of Insurance other than the ones provided above, benefits under Section 2, 3 and 4 shall be proportionately adjusted on a pro-rata time basis.

“保險期限” 意思是指承保表上列明的期間及保戶將會付出續保費和本公司將會接受的任何日後的期間。對於以 24個月為保險期限的保險單，本保險單承保表上所列各項利益的保額保障，亦可適用。在此項保險期限內的保障，蓋與本保險單自起期日起計 12個月，或在所述 12個月期滿後翌日起，另續 12個月的保險期限所提供的保障相同。除上述保險期限保障規定外，第 2，3及4各節的保障利益將會根據保險期限按比例調整。

2.11 “Insured Person” means the domestic helper named in the Schedule who is legally employed by the Insured and who is eligible for and covered by the insurance provided in this Policy.

“受保障人” 意思是指被保戶合法僱用及被認定有資格為本保險單所承保，在承保表上指定的家傭。

2.12 “Insured” means the person named in the Schedule who is the legal employer of the Insured Person.

“保戶” 意思是指在承保表上指定為受保障人之合法僱主。

2.13 “Injury” means bodily injury to the Insured Person caused solely and directly by violent accidental external and visible means.

“傷害” 意思是指受保障人因遭到直接及純粹外來可見的意外暴力而蒙受之身體傷害。

2.14 “Hospital” means an establishment duly constituted and registered as a hospital for the care and treatment of sick and injured persons and which

“醫院” 意思是指一間經正式組織及註冊的醫療企業，目的為照顧及治療傷病者而設。它們：

(a) has organised facilities for diagnosis, treatment and major surgery;

(甲) 開設有診斷治療及主要外科手術設備；

(b) provides twenty-four hours a day nursing services by registered graduate nurses;

(乙) 由註冊畢業護士提供全日護理服務；

(c) is under the supervision of a physician; and

(丙) 由一個醫生監督；及

(d) is not primarily a clinic, a place for custodial care, alcoholics or drug addicts, a nursing, rest or convalescent home or home for the aged or similar establishment.

(丁) 並非根本上為一間診所，一個看管照顧的地方、一個為酒精或藥癮患者而設的地點或護理、休息或療養院或老人院等類似的機構。

2.15 “Legislation” means the Employees’ Compensation Ordinance of Hong Kong.

“法例” 意思是指香港僱員補償條例。

3. EXCLUSIONS 除外責任

This Policy does not cover nor apply to any Event which is caused directly or indirectly by or which results from: 本保險單不保及不適用於任何直接或間接可歸因於下列結果的任何事故。

3.1 Applicable to all sections 適用於各節

3.1.1 Any consequence of declared or undeclared war or any act thereof, invasion or civil war. 任何因宣戰或不宣戰的戰爭，侵略或內戰行為所造成的後果。

3.1.2 Intentional self-inflicted Injury or suicide (whether felonious or not) or any attempt thereat while sane or insane. 不論在清醒與否的情況下的自毁受傷或自殺(不論重罪與否)或任何類似的嘗試行為。

3.1.3 Childbirth, pregnancy, miscarriage, abortion and all complications in connection therewith notwithstanding that such event may have been accelerated or induced by accident. 分娩、懷孕、流產、墮胎或全部有關的併發症，儘管這種事故可能因意外而被加速或誘發。

3.1.4 Intoxication by alcohol, narcotics or drugs not prescribed by a legally qualified and registered medical practitioner and treatment in connection with addiction to drugs or alcohol. 因服用或使用未經法定認可的註冊醫生處方的酒精、麻藥或藥物引起的中毒和有關於毒癮及酗酒的治療。

3.1.5 Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC), howsoever this syndrome has been acquired or may be named. 後天免疫能力缺乏症(AIDS)或愛滋病(ARC)等有關類似已被或可將會被命名的狀症。

3.1.6 Pre-existing Injury sickness or disease of the Insured Person prior to inception of this insurance. For the purpose of Sections 2, 3 and 4 of the Schedule of Benefits, no benefits shall be payable for injury sickness or disease sustained prior to inception of the Insured Person’s insurance and for which result medical treatment was received within three (3) consecutive months immediately before inception of the Insured Person’s insurance. Provided no medical treatment is incurred on such injury sickness or disease within three (3) consecutive months immediately after inception of the Insured Person’s insurance, benefits under these sections shall subsequently become payable. 受保障人在本保險單起保前已有存在的受傷、患病或疾病。對於承保表保障利益第 2、3 及 4 各節，受保障人在保險起保前遭受的受傷、患病或疾病及保險起保前連續三個月內受保障人接受的醫療診治將不獲給付利益保障。若該傷患或疾病在受保障人的保險起保後連續三個月內並無醫療診治，則有關上述各節項下的利益將按保險單規定給付予隨後發生的醫療診治。

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3.1.7 Any Injury, sickness, accident or event occurring outside the territorial limits of Hong Kong. 任何在香港區域範圍以外發生的受傷、患病、意外或事故。

3.1.8 The Insured Person is aged below 18 or over 65 at the date of inception of this Policy. 受保障人在起保日的年齡小於十八歲或大於六十五歲。

3.2 Applicable to Section 1 (Employer’s Liability) 適用於第一部份 (僱主責任)

3.2.1 Any liability of the Insured which attaches by virtue of an agreement but which would not have attached in the absence of such agreement. 保戶因合約規定而需負擔的任何責任，倘無該項合約的規定，則保戶原可不負責任者。

3.2.2 Any sum which the Insured would have been entitled to recover from any party but for an agreement between the Insured and such party. 保戶原有權利可向其他一方取償而因保戶與該方訂有合約，以致未能取償的任何款項。

3.2.3 Any Injury by Accident or Disease sustained by the Insured Person outside Hong Kong unless such Injury is arising out of and in the course of employment whilst the Insured Person is accompanying the Insured on overseas trips. 受保障人在香港以外地區蒙受任何意外傷害或疾病，除非該等傷害是發生在受僱及在受僱過程中而又適值受保障人隨同保戶到海外旅行期間。

3.2.4 Any liability arising from Pneumoconiosis or Mesothelioma or Noise-Induced Deafness. 任何因肺塵埃沉著病、間皮瘤或噪音所致的失聰所致的責任。

3.2.5 Any late payment surcharge for which the Insured may become liable under the Legislation. 保戶因延遲付款而在法例上需要負擔的任何附加費。

3.2.6 Any liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from 任何因直接或間接由於以下所引致的任何責任：

(i) nuclear weapons material 核子武器物質

(ii) ionising radiations or contamination by radio activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel and for the purposes of this exception, combustion shall include any self-sustained process of nuclear fission. 核子游離輻射，由於核子燃料或其燃燒後產生之核子廢料所致之幅射的沾染，(上述核子燃燒應包括自發的核子分裂在內)。

3.3 Applicable to Section 2 (Clinical Expenses) and Section 3 (Surgical and Hospitalisation Expenses) 適用於第二部份(診療費用)及第三部份(外科及醫院費用)

3.3.1 Nervous or mental disease or disorder, venereal disease, congenital anomalies and deformities, infertility, sterilisation, heart disease or cancer. 神經質或精神疾病或失常、性病、先天變態和畸形、瘦瘠、不育、心臟病或癌病。

3.3.2 Rest cure or physical check-ups. 休息保養或身體檢查。

3.3.3 Cosmetic or plastic surgery unless to correct an Injury for which this Policy covers. 美容或整形手術，除非是本保險單所保的受傷而引致的矯正傷痕手術。

3.3.4 Vaccinations, immunization, injections or preventive medication. 種痘、傳染免疫、注射或預防性用藥。

3.4 Applicable to Section 4 (Dental Expenses) 適用於第四部份(牙科費用)

3.4.1 One-third of the amount of each and every adjusted claim payable. 每次和一切經核實的應付賠款的三份之一。

3.4.2 Any routine examination, scaling, polishing or cleaning and crowning. 任何例行檢查、去牙垢、磨牙、洗牙及鑲牙。

3.4.3 Cost of any bridges, braces and dentures. 任何牙橋、牙托及假牙費用。

3.5 Applicable to Section 5 (Personal Accident Benefits) 適用於第五部份(人身意外保障利益)

3.5.1 Injury occurring outside the rest days of the Insured Person. 受保障人休息日以外所遭受的傷害。

3.5.2 The Insured Person engaging in or taking part in driving or riding in any kind of race or in any underwater activities involving the use of breathing apparatus. 受保障人從事或參與任何形式的駕駛或騎術賽事，或任何需要使用供氧設備輔助呼吸之水中活動。

3.6 Applicable to Section 7 (Repatriation Expenses) 適用於第七部份(遣送費用)

Any repatriation or transportation of mortal remains originating outside Hong Kong.

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任何發生在香港以外地方的遣返或遺體的運送。

3.7 Applicable to Section 8 (Replacement Helper Expenses) 適用於第八部份(重新聘用家傭費用)

3.7.1 Expense incurred for getting a temporary or new helper due to injury, illness or death listed in Exclusions 3.1. 由於除外責任 3.1 所列的原因引致所保家傭重病、嚴重受傷或死亡，而需另聘替代家傭或新家傭的費用。

3.7.2 Other than reasons specified in Definitions 2.9. 非因定義 2.9 所列明的原因。

4. THE SCHEDULE OF BENEFITS AND LIMIT OF INDEMNITY 保障利益承保表及賠償限額

4.1 SECTION 1 EMPLOYER’S LIABILITY 第一部份 《僱主責任》

Indemnify the Insured against liability at law under the Hong Kong Employees’ Compensation Ordinance in the event the Insured Person suffers Injury or Disease arising out of and in the course of employment. 賠償保戶在香港僱員補償條例下對受保障人在受僱期間因工受傷或疾病事故所要負上的法律責任。

The maximum Limit of Liability in respect of any one event shall be limited to the extent of the minimum insurance cover for the purpose of Section 40 of Employees’ Compensation Ordinance. 每次事故之最高責任限額應以僱員補償條例第40條所制定的最低投保額為限。

Further provided that (a) the due observance and fulfillment of the Terms of this Section in so far as they relate to anything to be done or not to be done or to be complied with by the Insured; and (b) the truth of the statements and answers in the Proposal and Declaration and the Estimated Earnings Declaration and the Actual Earnings Declaration shall be conditions precedent to any liability of THE COMPANY to make payment or to provide indemnity under this Section. 在此以上，保戶必須 (甲) 遵守並履行本保險單關於保戶必須做或不得做任何事的條款，而且 (乙) 保戶在投保書及聲明及估計入息聲明及實際入息聲明內所述及所答各項均須真實，此應作為本公司依據本保險單下給付賠款的先決條件。

THE COMPANY will also in the event of the death of the Insured indemnify the Insured’s legal representatives in the Terms of this Policy in respect of liability incurred by the Insured provided that such personal representatives shall as though they were the Insured observe fulfill and be subject to Terms of this Policy in so far as they can apply. 倘保戶身故，本公司會就保戶招致的責任按本保單條款賠償予保戶的法定遺產代理人。惟該等法定遺產代理人必須如保戶一樣在可予適用的範圍內遵守及履行本保單條款，並受該等條款限制。

4.1.1 DEFINITIONS (applicable to SECTION 1) 定義 (適用於第一部份)

Accident: 意外：

An accident or a series of accidents arising out of one event. 由一事故引致的一宗意外或一連串意外。

Company’s Indemnity: 本公司的賠償：

Indemnity provided under this Section including costs and expenses incurred by or on behalf of the Insured with THE COMPANY’s written consent. 在此部份下提供的賠償包括保戶或代表保戶及經本公司同意支付的一切費用及開支。

Disease: 疾病：

A disease contracted by the Insured Person of the Insured as a result of his exposure to the nature of his employment with the Insured. Such exposure may extend over a period of time and part of which period may fall outside the Period of Insurance under the Policy. 受保人因受僱工作之性質而感染的疾病。該受僱工作之性質可能延致一段時間，而部份時間可能在本保險單保險期限以外。

Earnings: 入息：

All gross wages salaries remunerations commissions bonuses overtime termination payments allowances and the like directors’ fees or other benefits whether at piecework rates or otherwise and whether paid in cash or in kind by the Insured to the Insured Person. 所有總報酬、薪金、酬勞、佣金、獎金、加班費、結束補償、津貼及董事酬金或同類或其他得益，不論是否按件計酬或用其他方法及不論是保戶以現金支付或以實物支付受保人。

Noise-Induced Deafness: 噪音所致的失聰：

The same meaning as assigned to that expression in the Occupational Deafness (Compensation) Ordinance (Chapter 469 of the laws of Hong Kong). 與職業性失聰 (補償) 條例 (香港法例第469章) 中該詞句同義。

Pneumoconiosis and Mesothelioma: 肺塵埃沉著病及間皮瘤：

The same meaning as assigned to those expressions in the Pneumoconiosis and Mesothelioma (Compensation) Ordinance (Chapter 360 of the laws of Hong Kong). 與肺塵埃沉著病及間皮瘤 (補償) 條例 (香港法例第360章) 中該些詞句同義。

4.1.2 POLICY LIMIT OF INDEMNITY (applicable to SECTION 1)

本保險單的賠償限額 (適用於第一部份)

4.1.2.1 In respect of any Accident or Disease giving rise to a claim or claims against the Insured for which indemnity is provided under this Section THE COMPANY’s Indemnity to the Insured shall in the aggregate be limited to the amount specified in the Schedule as “Policy Limit of Indemnity” irrespective of the number of the Insured Person who may sustain bodily injury or death consequent on or attributable to the same occurrence of Accident or Disease.

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就任何意外或疾病而引致對保戶的一宗或多宗索償而此部份又提供該賠償，不論在同一意外或疾病中導致身體受傷或死亡的受保人數目，本公司於本節中對保戶的總賠償將會受限於承保表內 “保險單賠償限額” 中所列明之金額。

4.1.2.2 In relation to any liability of the Insured in respect of a Disease contracted by the Insured Person due to the nature of his employment with the Insured which nature of employment applies during a period that extends over more than one policy period of insurance: 有關保戶招致的責任源自受保人因其受僱工作之性質而感染疾病而該受僱工作之性質發生的時間延伸至多於一份保險單的保險期限：

(a) the aggregate of THE COMPANY’s Indemnity to the Insured under all insurance policies shall not exceed the limit of indemnity of the insurance policy that was in force at the time the nature of the Insured Person’s employment to which such Disease was due first affected the Insured Person; and

(甲) 則本公司在所有保險單下對保戶的總賠償將不會超過引致該疾病的受保人受僱工作之性質於最初影響受保人時生效的保險單中列明的賠償限額；及

(b) subject to the limitation of paragraph 4.1.2.2(a) hereof, THE COMPANY’s Indemnity to the Insured under this Section shall be limited to such proportion of the Insured’s liability in respect of such Disease as that part of the Insured Person’s period of employment falling within the Period of Insurance of this Policy bears to the total period of his employment to the nature of which such Disease was due.

(乙) 受第4.1.2.2(甲)所限，本公司於本節中對保戶的賠償僅限於保戶與該疾病有關之責任中，保險期限內受保人之受僱期與引致受保人該疾病之總受僱年期之相對比例。

4.1.2.3 If the occurrence of any Accident or Disease results in indemnity hereunder to more than one Insured, the limitations of THE COMPANY’s liability specified in paragraphs 4.1.2.1 and 4.1.2.2 hereof shall apply to the aggregate of indemnity to all Insured. 倘若任何意外或疾病依此引致賠償予多於一名保戶，在第4.1.2.1及4.1.2.2段中列明的本公司的責任限制將適用於對所有保戶的總賠償額。

4.1.2.4 At any time after the occurrence of any Accident or Disease giving rise to a claim or claims against the Insured for which indemnity is provided under this Section THE COMPANY may pay to the Insured the full amount of THE COMPANY’s liability specified in paragraph 4.1.2.1 or 4.1.2.2 hereof (after the deduction of any sums already paid) or any lesser amount for which such claim or claims can be settled and shall relinquish the conduct of any defence settlement or proceedings relating to such claim or claims and shall not thereafter be responsible for any compensation damages or costs in respect thereof or for any costs or expenses whatsoever incurred by the Insured after THE COMPANY shall have relinquished such conduct or for any loss damage or expenses caused to the Insured in consequence of any act or omission of THE COMPANY in connection therewith or of THE COMPANY relinquishing such conduct. 在引致對保戶的一次或一連串賠償要求的意外或疾病發生後的任何時候，本公司可以根據第4.1.2.1 或

4.1.2.2段中列明的本公司的責任全數賠付予保戶 (減去任何已支付的金額) 或以較少金額去和解該一次或一連串賠償，而本公司將不予辯護，和解或有關索償或多宗索償有關之訴訟，本公司亦不會負責任何補償、賠償或訟費，本公司對由此而引起的任何賠償、損失或訟費均不負責。本公司放棄辯護，和解或訴訟後亦不負責保戶在任何情況下發生的任何訟費或其他支出。

4.1.2.5 If there should be any shortfall in the actual Earnings declared in accordance with paragraph 4.1.3.2 of INSURANCE PREMIUM of this Section from the respective actual Earnings, the extent of THE COMPANY’s Indemnity shall be reduced proportionately by the extent of under-insurance; and the balance shall be borne by the Insured himself. If no declaration of the actual Earnings by the Insured is received by THE COMPANY as prescribed, for the purpose of this clause the Earnings estimated by the Insured as at the commencement of the Period of Insurance shall be used in lieu of the actual Earnings that should have been declared to determine the extent of the under-insurance if any. 倘若發現根據此部份第4.1.3.2段的 “保險費”所聲明的實際入息與各自的實際入息有不足，本公司的賠償程度將根據投保不足的程度按比例地減少，而餘額將由保戶承擔。倘若本公司未有按規定收到保戶提交的實際入息聲明，在此條款上，保戶在保險期限開始時估計的入息將會替代在決定投保不足時須作聲明的實際入息 (如有)。

4.1.3 INSURANCE PREMIUM (applicable to Section 1)

保險費 (適用於第一部份)

4.1.3.1 Prior to the commencement of the Period of Insurance, the Insured shall supply THE COMPANY with a declaration estimating the Earnings of the Insured Person employed during the Period of Insurance (which declaration is referred to herein as “the Estimated Earnings Declaration”) on the basis of which a deposit premium becomes payable to THE COMPANY. 在保險期限開始前，保戶須向本公司提供一份聲明估計在保險期限期間受僱的受保人的入息 (該聲明以下稱為「估計入息聲明」)，在此基礎上保戶須支付保險費按金予本公司。

4.1.3.2 The Insured shall within ninety (90) days after the expiry of the Period of Insurance or upon cancellation of this Policy supply THE COMPANY with a completed Premium Adjustment and Declaration of Earnings Form stating the actual Earnings of the Insured Person and provide the relevant supporting documents during the Period of Insurance (which declaration is referred to herein as “the Actual Earnings Declaration”). If the actual Earnings shall differ from the estimated Earnings the difference in premium shall be met by a further proportionate adjustment premium to be paid to THE COMPANY or by a premium refund to the Insured as the case may be. 在保險期限終結後的90天內或此保單取消後，保戶須向本公司提供一份完整的保險費調整及入息聲明表格，闡明受保人在保險期限內的實際入息並提供有關的證明文件 (該聲明以下稱為「實際入息聲明」)。

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倘若實際入息與估計入息不同，保戶須再支付按比例計算的調整保險費予本公司或本公司退還保險費予保戶。

4.1.3.3 It is hereby declared that the Premium payable by the Insured in consideration of the indemnity provided under this Section is the sum of the deposit premium and the adjustment premium calculated pursuant to paragraphs 4.1.3.1 and 4.1.3.2 hereof. 現在此聲明保戶考慮到此部份提供的賠償而支付的保險費是指根據第4.1.3.1及4.1.3.2段計算的保險費按金及調整保險費。

4.1.3.4 The name Hong Kong Identity Card number class of employment and Earnings of every Insured Person of the Insured employed from time to time during the Period of Insurance shall be properly recorded by the Insured and retained in a safe place so that a record exists of all persons who are Insured Person of the Insured for the purpose of this Section and the Insured shall at all reasonable times allow THE COMPANY to inspect and obtain copies of such records. 保戶須正確地記錄在保險期限內每名受僱的受保人的姓名、香港身份證號碼、受僱類別及入息並將之保存在安全地方以保留一個關於此部份下保戶的所有受保人的紀錄。而保戶亦須容許本公司在所在合理時間檢閱及獲得該些紀錄的副本。

4.1.3.5 If the Insured fails to cooperate with THE COMPANY in submitting the completed Premium Adjustment and Declaration of Earnings Form, without prejudice to any other rights of THE COMPANY, THE COMPANY shall retain the discretion not to renew this insurance upon expiry of this Policy. 倘若保戶未能與本公司合作提交完整的保險費調整及入息聲明表格，在不影響本公司的任何權利下，本公司將保留酌情權決定在此保險單完結時是否續保此保險。

4.2 SECTION 2 CLINICAL EXPENSES 第二部份《診療費用》

Reimbursement of clinical expenses incurred by the Domestic Helper up to HK$150 per visit per day 家傭之診療費用支出最高至每天每次門診港幣150元

Provided that the first medical treatment was received from a legally qualified and registered medical practitioner, expenses for bonesetting or physiotherapy are also covered up to HK$100 per visit per day/HK$500 per 12 months Period of Insurance 在首次診治必須由一名法定認可的註冊西醫負責進行的情況下，跌打或物理治療的費用仍可獲賠償至每天每次最高可獲港幣100元賠償，每12個月保險期限以港幣500元為限。

Total maximum amount payable per 12 months Period of Insurance under this Section HK$2,000 本項每12個月保險期限的最高總賠償額港幣2,000元

4.3 SECTION 3 SURGICAL AND HOSPITALISATION EXPENSES 第三部份《外科及醫院費用》

Reimbursement of expenses incurred by the Insured Person up to

賠償受保障人給付費用最高至

Room, Board & other miscellaneous Hospital charges 住院費

HK$300 per day 每天不超過港幣300元

Surgical Fee per disability 每次外科手術費 HK$10,000 不超過港幣10,000元

Anaesthetists fee per disability 麻醉師費用

25% of surgical fee but not exceeding HK$2,500 不超過每次外科手術費 25%但以港幣2,500元為限

Operating theatre fee per disability 手術室費用 12.5% of surgical fee but not exceeding HK$1,250 不超過手術費12.5%但以港幣1,250元為限

Total maximum amount payable per 12 months Period of Insurance under this section 本項每12個月保險期限的最高總賠償額

HK$20,000 港幣20,000元

4.4 SECTION 4 DENTAL EXPENSES 第四部份《牙科費用》

Reimbursement of two-thirds of the expenses incurred up to

HK$1,500 per 12 months Period of Insurance 賠償實際費用開支的三份二 以每12個月保險期限港幣1,500元為限

4.5 SECTION 5 PERSONAL ACCIDENT BENEFITS 第五部份《人身意外保障利益》

Lump sum of the Capital Sum in accordance with the percentages specified in the Table of Personal Accident benefits. 根據人身意外保障利益目錄內百份比計算賠償額。

HK$100,000 Capital Sum 基本金額港幣100,000元

4.6 SECTION 6 LOSS OF SERVICES CASH ALLOWANCES 第六部份《中斷服務現金津貼》

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Cash allowance for loss of services commencing from the 4th day of the Insured Person (the Domestic Helper)’s confinement which exceeds 3 consecutive days in a hospital. 中斷服務現金津貼是從受保障人(家傭)住院超過連續3天後的第4天開始起計算。

HK$200 per day/HK$4,000 per 12 months Period of Insurance 每天港幣200元 以每12個月保險期限港幣4,000元為限

4.7 SECTION 7 REPATRIATION EXPENSES 第七部份《遣送費用》

Reimbursement of expenses incurred up to

HK$20,000 per 12 months Period of Insurance 賠償實際開支費用 以每12個月保險期限港幣20,000元為限

4.8 SECTION 8 REPLACEMENT HELPER EXPENSES 第八部份《重新聘用家傭費用》

HK$3,000 per 12 months Period of Insurance 以每12個月保險期限港幣3,000元為限

� TABLE OF PERSONAL ACCIDENT BENEFITS 人身意外保障利益目錄人身意外保障利益目錄人身意外保障利益目錄人身意外保障利益目錄

Injury occurring during the rest days of the Insured Person and during the Period of Insurance resulting solely and independently within one year after the date of the injury in one of the following losses: 受保障人在保險期限內的休息日期間，因意外受傷，從受傷日起計一年之內出現單純而獨立因該次受傷所引致下列死亡或傷殘：

1. Accidental Death or Total Permanent Disablement………. 意外死亡或永久性完全傷殘

2. Loss of two or more limbs………………………………... 損失兩肢或以上

3. Loss of sight of both eyes………………………………… 損失雙眼視力

4. Loss of one limb and sight of one eye……………………. 損失一肢及一眼視力

5. Loss of one limb…………………………………………... 損失一肢

6. Loss of sight of one eye…………………………………... 損失一眼視力

100% of the Capital Sum 基本金額之100%

50% of the Capital Sum 基本金額之50%

Loss of limb shall mean physical severance of a hand or foot at or above the wrist or ankle or of an arm or leg at or above elbow or knee. Loss of sight shall mean total and irrecoverable loss of all sight. 損失肢體意思是指一手或腳自手腕或腳踝或以上部份與身體分離。損失視力意思是指全部失去視力及永久性不可恢復視力。

5. WAITING PERIOD 免責等候期

A 15-day waiting period from the inception date of the Insured Person’s insurance shall be applicable to sections 2,3,4,6 and 8 of the Schedule of Benefits for the Insured Person. No benefits shall be payable under these sections during the waiting period. 由受保障人保險起期日起首15天的免責等候期將會適用於保障利益承保表第2,3,4,6及8部份。在免責等候期內該等部份將無保障利益給付。

6. CONDITIONS 條款

6.1 LOSS PREVENTION 防損

The Insured shall take all reasonable precautions to prevent accidents and disease and shall comply with all statutory obligations. 保戶應採取所有合理預防措施去預防任何意外和疾病事故，並履行全部法定的責任。

6.2 FRAUD 欺騙

If any claim under this Policy shall be in any respect fraudulent or if any fraudulent means or devices shall be used to obtain the Benefits under this Policy, THE COMPANY shall have no liability in respect of such a claim. 如本保險單項下任何索賠存在有欺詐或利用任何欺詐的方法或手段去獲取保險單利益，本公司對該等索賠，將不承擔賠償責任。

6.3 RENEWAL PROCEDURE 續保程序

Before renewing this policy the Insured shall give written notice to THE COMPANY of any material fact affecting this insurance which has come to the Insured’s notice during the preceding Period of Insurance including notice of any disease physical or mental defect or infirmity affecting the Insured Person.

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在本保險單續保前保戶應書面通知本公司把前段保險期限內所知悉的，包括受保障人在身體或精神上的疾病缺陷等足以影響承保之實情詳告。

6.4 POLICY NOT ASSIGNABLE 不能轉讓保單

This Policy is not assignable and THE COMPANY shall not be affected by notice of any trust charge lien assignment or other dealing with this Policy. 本保險單不能轉讓及本公司將不接受任何有關本保險單之委託、扣押、轉讓等通知影響。

6.5 CLAIMS PROCEDURE 索償程序

Immediate notice shall be given to THE COMPANY of any occurrence likely to give rise to a claim under this Policy. Within thirty days of any occurrence likely to give rise to a claim under this Policy a detailed statement in writing describing the occurrence shall be delivered to THE COMPANY. All expenses shall, in the first instance, be paid by the Insured and original invoices and receipts submitted with the claim form to THE COMPANY for reimbursement. 任何在本保險單項下可能引致索償的事故均需立即通知本公司，並在該等事故發生起30天內向本公司提交一份書面報告，敘述事件詳情。保戶必須先付所有費用，及後有關之發票及收據的正本需連同索償表格交給本公司提出索償。

6.6 CLAIMS CONTROL BY THE COMPANY 本公司對索償的操控權

THE COMPANY shall be entitled upon notice to the Insured to take over and conduct in the Insured’s name the defence or settlement of any claim demand or proceedings against the Insured. In that event: 在知會保戶後，本公司有權接管及以保戶之名義進行辯護或解決賠償。在這個情況下：

6.6.1 the Insured shall provide all such information and assistance including the latest earnings of the Insured Person and forward all such documents and other records to THE COMPANY for the conduct of such claim demand or proceedings as THE COMPANY in its discretion may from time to time require; and 保戶須向本公司提供一切資料及所須的協助，包括受保人最近期的入息並向本公司遞送一切需文件及其他記綠；及

6.6.2 the Insured shall not without the written consent of THE COMPANY incur any expenditure in connection with any such claim demand or proceedings or make any payment admission offer or enter into any settlement whatsoever. 在沒有本公司書面同意下，保戶不應就任何索償或賠案支付任何費用或作出任何賠款、承認、提議或任何協議。

6.7 PROOF OF LOSS 損失舉証

It is a condition precedent to any liability of THE COMPANY under this Policy that the Insured shall at his own expense furnish to THE COMPANY such Certificate information and evidence as THE COMPANY may from time to time reasonably require in the form and of the nature described by THE COMPANY. THE COMPANY shall be allowed at its own expense upon reasonable notice to the Insured to have a medical examination of the Insured Person from time to time or in the case of death upon reasonable notice to the Insured Person’s legal personal representative to have a post-mortem examination of the body. The death of the Insured Person shall be established by an official death certificate. Any claim arising from the death of the Insured Person shall be payable to the Insured Person’s legal personal representative. 按本保險單條款規定，本公司承擔責任的先決條件是，保戶需自費按照本公司之合理要求，提供所需形式及性質的各類資料及文件佐証。本公司可在承擔費用下隨時通知保戶對受保障人作醫療檢查，或通知受保障人的法定代表人進行對受保障人死後的遺體檢驗。受保障人死亡以官方發出之死亡證書核實。關於受保障人的死亡賠償，賠款將會付給受保障人的法定代表。

6.8 CANCELLATION 取消

The Insured may at any time cancel this Policy by delivering to THE COMPANY a notice in writing whereupon THE COMPANY shall retain the customary short period rate for the time the Policy has been in force. THE COMPANY may at any time cancel this Policy by giving seven days’ written notice to the Insured. This notice is to be posted by registered mail to the Insured at the address last notified to THE COMPANY. Proof of mailing shall be sufficient proof of notification. After the Policy has been cancelled by THE COMPANY, THE COMPANY will refund to the Insured the proportionate part of any premium paid in respect of the unexpired period of the Policy. 保戶可以隨時以書面通知本公司取消此保險單，本公司將根據已保時間按習摜的短期費率徵收保費。本公司可以隨時以七天為期的書面通知取消此保險單。此通知應以掛號郵件寄往本公司獲告悉的保戶最新地址。郵寄証明即已成為通知的足夠証據。 本公司取消保單後，將會就未到期保險按保費比例退還保戶。

6.9 ARBITRATION 仲裁

All differences arising out of this Policy shall be referred to the decision of an Arbitrator to be appointed in writing by the parties in difference or if they cannot agree upon a single Arbitrator to the decision of two Arbitrators one to be appointed in writing by each of the parties in difference within one calendar month after having been required in writing so to do by either of the parties or in case the Arbitrators do not agree of an Umpire appointed in writing by the Arbitrators before entering upon the reference. The Umpire shall sit with the Arbitrators and preside at their meetings and the making of an Award shall be a condition precedent to any right of action against THE COMPANY. If THE COMPANY shall disclaim liability to the Insured for any claim hereunder and such claim shall not within twelve calendar months from the date of such disclaimer have been referred to arbitration under the Provisions herein contained then the claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable hereunder. 因此保險單所產生之爭議將統交由爭議雙方共同書面選定之一位仲裁人進行裁決；或如他們對選定一位仲裁人不能取得共識時，則爭議任何一方在收到他方書面要求後，應在一個月內各自選定自己的仲裁人，並由雙方選定之兩位仲裁人共同進行裁決；或當兩位仲裁人亦未能達成一致意見時，則爭議應交付由雙方仲裁人書面選定之公斷人進行最後仲裁。仲裁會議乃由公斷人主持，並得爭議雙方之仲裁人同時列席。就有關爭議向承保人提出法律起訴之前必須先得到上述仲裁會議之最後裁決結果後，始可進行。當承保人向保戶拒絕賠償後，如果保戶並無按此條款規定，從承保人拒賠日起計 12個月內將賠案提交仲裁的話，即可視為保戶已放棄對該賠案之賠償要求，因而及後將不可獲賠償。

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6.10 JURISIDICTION CLAUSE 裁判權條款

Any disputes arising in connection with this Policy shall be subject to the Law of and the jurisdiction of the Courts of Hong Kong SAR. 任何涉及本保險單之爭議，將根據香港特別行政區法律及法庭的司法審理。

6.11 AVODIANCE OF CERTAIN TERMS AND RIGHTS OF RECOVERY 迴避條款及追償權

If THE COMPANY is obliged by the Legislation to pay an amount for which THE COMPANY would not otherwise be liable under this Policy the Insured shall repay such amount to THE COMPANY. 本公司如根據法例支付原按本保險單條款可無須負責之款項，保戶必須如數付還本公司。

6.12 DISCLAIMER 免責條款

THE COMPANY makes every effort to see that only high quality services are offered by INTER PARTNER ASSISTANCE HONG KONG LTD. to the Insured Person. However, THE COMPANY is not the supplier of the services and does not accept any liability whatsoever in respect of the services provided or for any consequences arising thereof. 本公司須盡力監察國際救援(亞洲)公司向受保障人提供高質素服務。但鑑於本公司並非此服務的供應者，因而不會接受任何有關因提供此項服務或由此而引致之任何後果責任。

7. SPECIAL CONDITIONS 特別條款

7.1 IN THE EVENT OF EMERGENCY 緊急事故

The Insured or his representative must call the INTER PARTNER ASSISTANCE HONG KONG LTD. Service Centre in Hong Kong at telephone number 2851 1990 before undertaking any personal action or payment. 保戶或其代表在採取任何行動或支付費用之前，必須先致電2851 1990通知國際救援（亞洲）公司設於香港之服務中心。

The Insured or his representative is required to state:- 保戶或其代表必須述明：

(a) The Insured’s name

(甲) 保戶名稱

(b) The Insured Person’s name

(乙) 受保障人名稱

(c) The Policy number

(丙) 保險單編號

(d) Nature of injury or sickness

(丁) 受傷或疾病性質

(e) Details of attending doctor, if available

(戊) 診治醫生詳情

(f) Present location and contact particulars

(己) 當前所在位置及聯絡細節

7.2 MEDICAL AUTHORISATION 醫療授權書

INTER PARTNER ASSISTANCE HONG KONG LTD. will repatriate the Insured Person only with medical authorisation from a legally qualified and registered medical practitioner certifying the Insured Person as medically unfit to continue working and unable to complete the term of the contract of employment with the Insured. 國際救援(亞洲)公司只有在取得經法定認可的註冊醫生簽發的一份醫療授權書，証實受保障人不適宜繼續工作及不能履行與保戶互訂之僱傭合約條款的情況下才會遣返受保障人。

7.3 IN GOOD FAITH 良好誠信

INTER PARTNER ASSISTANCE HONG KONG LTD. shall undertake to provide all the necessary assistance and services in good faith and shall make every possible attempt to perform as efficiently as possible but shall not be held liable for circumstances and conditions beyond its control. 國際求援(亞洲)公司將以良好誠信的態度去提供所有必須的協助與及將嘗試提供最佳效率的服務，但對不受其控制下的情況將不承擔責任。

8. In the event of any discrepancy in respect of meaning between the Chinese version and the English version of this Policy, the English version shall prevail. 本保險單的中英文本如有任何歧異之處，皆以英文本為準。

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CLAUSES / CONDITIONS

EC1

ASBESTOS EXCLUSION

This policy does not apply to liability arising directly or indirectly out of diseases caused by or in connection with the existence, handling, processing, manufacturing, mining, sale, transportation, distribution, storage, use, removal, remediation, treatment, disposal or escape of :

1) asbestos or silica dust

2) asbestos, asbestos products or any product containing asbestos.

EC2

TERRORISM ENDORSEMENT

Notwithstanding any provision to the contrary in this Policy or any endorsement thereto it is hereby agreed that in respect of any bodily injury or death by accident or disease (“the Loss”) directly or indirectly caused by, resulting from or in connection with any act of terrorism or any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the Loss :

(a) the Policy Limit of Indemnity shall be such amount which the Company actually receives from the Government of the Hong Kong Special Administrative Region of the People’s Republic of China (“the Government”) pursuant to an Agreement for Provision of Facility dated 28th March, 2002 between the Government and the Company under which the Government agreed to make available to the Company and other direct insurance companies authorized to underwrite employees’ compensation insurance business in Hong Kong a facility to enable them to meet claims under employees’ compensation insurance policies in respect of death and injury arising out of an event of terrorism (“the Facility Agreement”);

(b) the Company will only be required to make payment after it has received from the Government (i) an approval letter confirming that the Company should settle the claim and (ii) payment under the Facility Agreement; and

(c) for the avoidance of doubt, the Company shall have no obligation to make payment if for whatever reason it does not receive payment from the Government under the Facility Agreement, whether or not due to the Government’s contention that the Loss does not fall within the scope of the Facility Agreement or the Company’s breach of the Facility Agreement.

For the purpose of the above an act of terrorism means the use of force or violence or other means or the threat thereof, of any person or persons, whether acting alone or on behalf of or in connection with any organization or government, for political, religious, or ideological purposes with an intention to influence any government and/or to put the public, or any section of the public, in fear.

If the Company alleges that the Loss falls within the scope of this Endorsement, the burden of proving the contrary shall be upon the Insured.

In the event any part of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

Words and phrases in this Endorsement shall have the same meaning as in the Policy.

EC3

TERRORISM EXCLUSION ENDORSEMENT

Notwithstanding any provision to the contrary within this Policy or any endorsement thereto it is agreed that this Policy excludes loss, damage, liability, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss.

It is also agreed that, regardless of any contributory causes, this Policy does not cover any loss, damage, liability, cost or expense directly or indirectly arising out of

a) Biological or chemical contamination

b) Missiles, bombs, grenades, explosives

due to any act of terrorism.

For the purpose of this endorsement:

1. an “act of terrorism” means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological, or similar purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear;

2. a “contamination” means the contamination, poisoning, or prevention and/or limitation of the use of objects due to the effects of chemical and/or biological substances.

This endorsement also excludes loss, damage, liability, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism.

If the Company alleges that by reason of this exclusion, any loss, damage, liability, cost or expense is not covered by this Policy the burden of proving the contrary shall be upon the Insured.

In the event any portion of this endorsement is found to be invalid or unenforceable, the remainder shall remain in full force and effect.

EC5

SANCTION EXCLUSION

No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that (re)insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United States of America or The People’s Republic of China/Hong Kong SAR/Macau SAR.

11/11

PERSONAL INFORMATION COLLECTION STATEMENT

The information you provide to us is collected to enable us to carry on insurance business and may be used for the purpose of -

- any insurance or financial related product or service or any alterations, variations, cancellation or renewal of such product or service;

- any claim or investigation or analysis of such claim; and exercising any right of subrogation.

The said information may be transferred to -

- any related company or any other company carrying on insurance or reinsurance related business or an intermediary or a claim or investigation or other service provider providing services relevant to insurance business for any of the above or related purposes;

- any association, federation or similar organization of insurance companies (collectively called “the Federation") that exists or is formed from time to time for any of the above or related purposes or to enable the Federation to carry out its regulatory functions or such other functions that may be assigned to the Federation from time to time and are reasonably required in the interest of the insurance industry or any member(s) of the Federation, and

- any members of the Federation by the Federation for any of the above or related purposes.

Moreover, the Company is hereby authorized to obtain access to and/or to verify any of your data with the information collected by the Federation from the insurance industry. You have the right to obtain, to access to and to request correction of any personal information concerning yourself held by the Company. Requests for such access can be made in writing to our Manager of the Office of the General Manager at 19/F., China Taiping Tower, 8 Sunning Road, Causeway Bay, Hong Kong.

收集個人資料聲明收集個人資料聲明收集個人資料聲明收集個人資料聲明 閣下提供的資料，為本公司提供保險業務所需，並可能使用於下列目的： - 任何與保險或財務有關的產品或服務，或該等產品或服務的任何更改、變更、取消或續期； - 任何索償或該等索償的調查或分析；及本公司行使任何代位權。 上述資料可能轉移予： - 任何有關的公司，或任何其他從事與保險或再保險業務有關的公司，或與保險業務有關的中介人或索償或調查或其他服務提供者，以達到任何上述或有關目的； - 現存或不時成立的任何保險公司協會或運輸署或聯會或類同組織 (統稱為「聯會」)，以達到任何上述或有關目的，或以便「聯會」執行其監管職能，或其他基於保險業或任何「聯會」會員的利益而不時在合理要求下賦予「聯會」的職能；及 - 或透過「聯會」移轉予任何「聯會」的會員，以達到任何上述或有關目的。 此外，在此授權本公司可向「聯會」從保險業內收集的資料中查閱及/或核對 閣下任何資料。 閣下有權查閱及要求更正由本公司持有有關 閣下的個人資料。如有需要，請以書面形式或向本公司總經理辦公室經理提出，地址為香港銅鑼灣新寧道8號中國太平大廈19字樓。