- Schedule of Benefits

Schedule of Benefits	Maximum Benefit Limit Per Policy Year (HK$)
	Smart Plus Plan	Smart Plan
1. Medical Expenses Benefit	1,200,000	N/A
Medical Expenses during the Study Trip	1,200,000	N/A
	Reasonable expenses incurred for medical treatment, surgery, and hospitalisation arising from accidental injury sustained or sickness contracted during the study trip. (Maximum no. of outpatient visits per policy year: 25)
Follow-up Medical Expenses in Hong Kong	120,000	N/A
	a. Reasonable medical expenses incurred within 90 days after returning to Hong Kong if the insured person has sought medical treatment abroad (inclusive of sub-limit for item b).
	3,000	N/A
	b. Expenses for treatments received from a Chinese Medicine Practitioner, including Chinese bone-setting and acupuncture. (Maximum daily limit per visit: HK$200)
Trauma Counselling	20,000	N/A
	Reasonable medical expenses for receiving counselling services during the study trip and/or within 90 days after returning to Hong Kong if the insured person is diagnosed with post-traumatic stress disorder due to a serious accident or incident occurred during the study trip. (Maximum daily limit per visit: HK$2,000)
2. Compassionate Visit Benefit	50,000
	If the insured person passed away or hospitalised for more than 3 consecutive days due to serious bodily injury or serious sickness during the study trip, reasonable additional accommodation and travelling expenses will be payable for up to 2 relatives or friends of the insured person to travel to and from the place where the insured person passed away or suffered from serious bodily injury or serious sickness once. (Maximum daily limit of accommodation expenses per person is HK$1,200 and up to 5 days per policy year); or If the insured person’s immediate family member has passed away in Hong Kong during the study trip, reasonable additional travelling expenses will be payable for the insured person travelling to and from Hong Kong once.
3. 24-hour Worldwide Emergency Aid
Emergency Evacuation¹	Unlimited
	Emergency evacuation of the insured person to the nearest medical facility that is capable of providing immediate medical treatment.
Repatriation to Hong Kong¹	Unlimited
	Repatriation of the insured person to Hong Kong at physician’s recommendation.
Hospital Deposit Guarantee¹	40,000
	Guarantee or provide the required admission deposit to hospital on behalf of the insured person.
Additional Costs of Travel and Accommodation	Reasonable additional travelling expenses for the insured person returning to Hong Kong and costs of additional accommodation incurred due to serious bodily injury or serious sickness.
	40,000
	a. additional costs of economy class travel returning to Hong Kong
	10,000
	b. additional accommodation expenses (maximum daily limit: HK$1,200)
Repatriation of Mortal Remains¹	Unlimited
	Reasonable transportation charges incurred for the repatriation of mortal remains of the insured person to Hong Kong.
Burial and Funeral Expenses	20,000
	Reasonable cost for burial and funeral formalities.
Referral Services	Included
	Referral services for legal assistance, interpreter and replacement of lost travel document or travel pass.
4. Personal Accident Benefit	1,200,000
Accidental Death and Permanent Disablement²	Benefit will be payable according to the Table of Accidental Death and Permanet Disablement in the event that an accident results in the death or permanent disablement during the study trip:
	1,200,000
	(1) Accident on Public Conveyance or while Participating in School Activities If an accident occurs while the insured person is travelling as a fare-paying passenger on board a public conveyance, or while participating in school activities; or
	600,000
	(2) Other Accidents If an accident occurs (other than an accident covered under Accident on Public Conveyance or while Participating in School Activities above).
Major Burns	300,000
	Payable if the insured person suffers from third-degree burns.
5. Cancellation of Study Benefit	40,000
	Reimbursement of deposits or any payment made in advance for tuition fees, travel ticket and accommodation expenses which are irrecoverable and forfeited upon cancellation of the study trip prior to departure from Hong Kong as a direct result of: death, serious bodily injury or serious sickness of the insured person or his/her immediate family members^3,4; or compliance with a witness summons, jury service or compulsory quarantine of the insured person⁵; or natural disaster, infectious disease, act of terrorist, riot or civil commotion occurred in the country of overseas education within 7 days before the scheduled departure date³; or the issuance of a Black Outbound Travel Alert against the planned destination in the country of overseas education before the scheduled departure date^3,6; or fire or flood damage to the insured person’s home in Hong Kong occurred within 10 days before the scheduled departure date³.
6. Study Interruption Benefit	80,000
	Irrecoverable and forfeited prepaid and unused portion of tuition fees, travel ticket and accommodation expenses and the reasonable additional travelling expenses incurred by the insured person to return to Hong Kong will be payable if the study trip is interrupted after its commencement as a direct result of: death, serious bodily injury or serious sickness of the insured person or his/her immediate family member; or natural disaster, infectious disease, act of terrorist, riot or civil commotion occurred in the country of overseas education that prevents the insured person from continuing with the study trip; or the issuance of a Black Outbound Travel Alert against the country of overseas education during the study trip.
7. Education Fund Benefit⁷	300,000
	In the event of an accident resulting in the death or permanent total disablement of the insured person’s parent(s) or legal guardian within 12 months of the accident, the unpaid tuition fees for the academic semesters which commence in the same policy year will be payable.
8. Travel Delay Benefit	3,000
	In the event of delay of the arranged public conveyance due to adverse weather conditions, natural disaster, unanticipated outbreak of industrial action involving the arranged public conveyance, riot or civil commotion, act of terrorist, closure of the airport, hijack or mechanical breakdown of the arranged public conveyance, the insured person will be reimbursed one of the following benefits: Cash Allowance⁸ – HK$300 for the delay of each period of 6 consecutive hours ; or Additional Travel Expenses⁸ – reasonable and inevitable additional travelling and/or accommodation expenses due to the delay for at least 6 consecutive hours:
	10,000
	a. public conveyance expenses for delayed departure; and
	2,000
	b. overseas accommodation cost
9. Baggage Delay Benefit	2,000
	Reasonable expenses for purchasing essential replacement clothing and toiletries if the baggage has been misdirected or delayed by the public conveyance provider and is not returned to the insured person within 6 hours from the time of arrival at a destination overseas.
10. Baggage and Personal Property Benefit	20,000
	Benefit will be payable against the loss, physical breakage of, or damage to the baggage, personal effects (excluding money, mobile phones and tablets) or laptop computers of the insured person resulting from theft, robbery, burglary, accident, or mishandling by the carriers.
	10,000
	Laptop computer (per policy year)
	5,000
	Sports equipment or musical instrument (per article/per pair/per set)
	3,000
	Other baggage (per article/per pair/per set)
11. Loss of Travel Documents Benefit	10,000
	Replacement cost of travel documents and/or travel pass which are lost due to theft, robbery, burglary or accidental loss and/or reasonable additional travelling and accommodation expenses incurred due to such replacement at the nearest location.
12. Personal Liability Benefit	2,000,000
	Indemnity against the insured person’s legal liability to third parties in respect of accidental bodily injury or loss of or damage to property due to negligence.
13. Credit Card Protection Benefit	30,000
	In the event of accidental death of the insured person during the study trip, any outstanding amount charged to his/her credit card(s) for any goods purchased during the study trip will be reimbursed.

1.	Prior approval from Blue Cross is required before any assistance is provided or hospital admission deposit is guaranteed. The insured person or his/her representative should call the hotline to provide the policy number, the name and HKID card number of the insured person, the nature and the location of the emergency for validation.
2.	Maximum benefit limit for an insured person under the age of 18 shall be limited to 50% of the benefit limit applicable to Accidental Death and Permanent Disablement Benefit.
3.	The benefit is payable only if the relevant event takes place at least 24 hours after the issue of the policy.
4.	The benefit is payable only if the relevant event takes place within 90 days prior to the scheduled date of departure for the study trip.
5.	The benefit is payable only if the witness summons, duty service or compulsory quarantine notice or order has been served on the insured person (i) at least 24 hours after the issue of the policy, and (ii) within 90 days prior to the scheduled date of departure of the study trip.
6.	The benefit is payable only if cancellation of the study trip takes place (i) not earlier than 7 days before the scheduled date of departure for the study trip; and (ii) while the Black Outbound Travel Alert is in force.
7.	This benefit is payable only if the insured person is under the age of 25 and unmarried.
8.	In the event that (i) the arranged public conveyance for commencing the study trip fails to depart at its originally scheduled time of departure due to a cancellation or delay of service as a direct result of mechanical breakdown and (ii) the provider of such arranged public conveyance is unable to provide an alternative transportation, the insured person can only claim the Cash Allowance Benefit under Travel Delay Benefit. No Additional Travel Expenses Benefit shall be payable in such circumstances.

- No Claim Discount

Upon renewal, the insured person will receive a No Claim Discount* on the premium payable, if no claim has been made during the respective no claim period as specified in the table below.

No Claim Period Immediately Preceding Renewal	Premium Discount Rate
1 year	10%
2 consecutive years	15%
3 consecutive years or more	20%

*Applicable only to policies with period of insurance of 1 year.

- Table of Accidental Death and Permanet Disablement

Insured Events			Benefits Payable (Percentage of Maximum Benefit Limit)
1.	Accidental Death		100%
2.	Permanent Disablement (2.1 to 2.18)
	2.1	Permanent total disablement	100%
	2.2	Permanent and incurable paralysis of all limbs	100%
	2.3	Permanent total loss of sight of both eyes	100%
	2.4	Permanent total loss of sight of one eye	50%
	2.5	Loss of or permanent total loss of use of two limbs	100%
	2.6	Loss of or permanent total loss of use of one limb	50%
	2.7	Permanent total loss of speech and hearing	100%
	2.8	Permanent total loss of hearing in
		a) both ears	75%
		b) one ear	15%
	2.9	Permanent total loss of speech	50%
	2.10	Permanent total loss of the lens of one eye	30%
	2.11	Removal of the lower jaw by surgical operation	30%
	2.12	Loss of or permanent total loss of use of thumb and four fingers of
		a) right hand	70%
		b) left hand	50%
	2.13	Loss of or permanent total loss of use of four fingers of
		a) right hand	40%
		b) left hand	30%
	2.14	Loss of or permanent total loss of use of one thumb as particularised below:
		a) both right joints	30%
		b) one right joint	15%
		c) both left joints	20%
		d) one left joint	10%
	2.15	Loss of or permanent total loss of use of a finger as particularised below:
		a) three right joints	10%
		b) two right joints	7.5%
		c) one right joint	5%
		d) three left joints	7.5%
		e) two left joints	5%
		f) one left joint	2%
(In the event that the insured person is left-handed, the applicable percentages for left and right hands as shown in 2.12 to 2.15 shall be reversed.)
	2.16	Loss of or permanent total loss of use of toes as particularised below:
		a) all toes of one foot	15%
		b) both joints of a great toe	5%
		c) one joint of a great toe	3%
		d) each toe other than a great toe	2%
	2.17	Fractured leg or patella with established non-union	10%
	2.18	Shortening of leg by at least 5 cm	7.5%

The aggregate benefit payable for the above insured events during a policy year shall not exceed 100% of the benefit amount of Personal Accident Benefit for each insured person.

Notes:

1.		The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions.
2.		Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
3.		The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.

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