DECLARATION. CNX136-R3(YX) 14-14 12/15E
DECLARATION. The service is provided by IPA which is an independent contractor and is not an agent of the Company. The Company shall make no representation, warranty or undertaking as to the availability of IPA’s services and shall not be liable to the Insured or any other person in any respect of any loss, damage, expense, suit, action or legal proceeding suffered or incurred by any of them, whether directly or indirectly, arising from or in connection with the services provided or advice given by IPA or its agents, or the availability of such services.
1. This Policy and the Schedule shall be read together as one contract and any word or expression to which a specific meaning has been attached in any part of this Policy or of the Schedule shall bear such specific meaning wherever it may appear.
2. The written application, which the Proposer / Insured as made and declared being the basis of issuing this policy, must be true and correct. If any claim made shall be fraudulent or exaggerated or if any false declaration or statement shall be made in support thereof, then this Policy shall be void.
3. The Insured undertakes to reimburse the Company for any expenses paid by the Company on the Insured’s behalf that are not properly recoverable under the Policy.
4. Governing Law and Jurisdiction
5. Authorization
6. Reasonable Precautions
7. Arbitration
8. Time Limitation
DECLARATION. The service is provided by IPA which is an independent contractor and is not an agent of the Company. The Company shall make no representation, warranty or undertaking as to the availability of IPA’s services and shall not be liable to the Insured or any other person in any respect of any loss, damage, expense, suit, action or legal proceeding suffered or incurred by any of them, whether directly or indirectly, arising from or in connection with the services provided or advice given by IPA or its agents, or the availability of such services.
1. The due observance and fulfillment of the Terms, Conditions, Exclusions and Endorsements of this insurance by the Policyholder and Insured Person and claimants in so far as they relate to anything to be done or complied with them, and the truth of the statements and details in every proposal form and declaration shall be conditions precedent to any liability of the Company to make any payment under this insurance.
2. The insurance coverage for all sections except “Cancellation of Journey” commences on the departure of the Insured Person from his residence or office in Hong Kong SAR directly to the international departure point and ceases on the Insured Person’s return directly to his residence or office; provided that the insurance shall in any event be deemed to have not commenced more than 6 hours prior to the departure time or ceased more than 6 hours after the return to Hong Kong SAR. As for coverage under the “Cancellation of Journey” section the insurance commences on the date of applying this insurance or arranging the journey and ceases on the departure date on the itinerary as stipulated before commencement of travel.
3. Trip Duration
3.1 The maximum period of Insurance for single trip plan shall be 182 consecutive calendar days.
3.2 The maximum period of Insurance for multiple trips plan shall be 3 months or one year. However, the Insurance covers for each trip shall not exceed 90 consecutive days.
4. This Policy shall be governed and construed in accordance with the laws of Hong Kong SAR.
5. All differences arising out of this insurance 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 within one calendar month after having been required in writing so to do by either of the parities or in case the Arbitrators do n...
DECLARATION. The service is provided by IPA which is an independent contractor and is not an agent of the Company. The Company shall make no representation, warranty or undertaking as to the availability of IPA’s services and shall not be liable to the Insured Person or any other person in any respect of any loss, damage, expense, suit, action or legal proceeding suffered or incurred by any of them, whether directly or indirectly, arising from or in connection with the services provided or advice given by IPA or its agents, or the availability of such services.
1. The due observance and fulfillment of the terms, conditions, exclusions and endorsements of this insurance by the Policyholder, Insured and claimants in so far as they relate to anything to be done or complied with them, and truth of the statements and details submitted during the confirmation of this insurance on the website of the Company shall be the conditions precedent to any liability of the Company to make any payment under the insurance.
2. This insurance is only valid for a trip originating from Hong Kong SAR and when the Policyholder and/or the Insured confirm the insurance in the Website of the Company prior to such trip specified in the Website.
3. The Card is fully transferable in that the Company will issue the Policy in accordance with the information submitted by the Policyholder and/or Insured on the Website of the Company. The Insured nominated on the Website need not be the person who purchased the Card.
4. The Insured can specify the effective date of the insurance. However, the effective date of the insurance cannot be later than 14 days after the confirmation of insurance. The Card can only be confirmed once. Once it is confirmed, the information cannot be changed.
5. The Insured can only confirm with one Card during the same Period of Insurance.
6. An Insured Person shall not be covered under more than on comprehensive travel insurance policies underwritten by the Company for the same Insured Journey. In the event that an Insured Person is covered by more than one policies issued by the Company, benefit will be paid by the policy which provides the greatest amount of benefit. Where the benefit under each such policy is identical, the Company will only entertain the claim that Insured Person to be covered under the Policy first issued. The Company will refund any duplicated insurance premium that may have been made by the Insured Person and cover of the duplicated insurance shall be void...