1. A Jardine Matheson Associate Company The Chinese University of Hong Kong Global Internship Programme 2014 Group Travel Insurance for Students on 20 May 2014

2.  Policy Coverage & Benefits  International SOS Service  Major Policy Exclusions  Extended Coverage  Claims Procedures  Questions and Answers Agenda

3. Policy Coverage & Benefits  Insured Person  Any student and Postgraduate / Research studentship holder of CUHK and all students of School of Continuing & Professional Studies whilst travelling on any of the University’s approved assignments, duties, study tours and all other academic activities outside Hong Kong  Age Limit  16 to 75  Geographical Limit  Worldwide

4. Policy Coverage & Benefits (Cont’d)  Period of Insurance  From 1 July 2013 to 30 June 2014 local Hong Kong Time (Extend to cover all trips which commence within policy period until the completion of such trip)  Trip Duration  Maximum 270 days per trip including 3 days personal deviation before and 3 days after the Insured trip

5. Policy Coverage & Benefits (Cont’d)  The following benefits are applicable to all Insured Persons:- BenefitsLimits (per person) Accidental Death / Permanent Disablement :HK$1,000,000 Medical Expenses (Accident & Sickness) :HK$390,000 -including follow-up treatment after returning to home country within 90 days. Follow-up treatment will be covered up to 100% of unused portion of sum insured. Follow-up treatment including expenses payable to Registered or Listed Chinese bonesetter, Acupuncturist, Chinese Medical Practitioner upto HK$150 per visit per day, and maximum HK$3,000 in aggregate. Burns Benefit (2 nd & 3 rd degree) :HK$100,000

6. Policy Coverage & Benefits (Cont’d) BenefitsLimits (per person) Trip Cancellation:HK$30,000 Trip Curtailment:HK$30,000 Trip Re-route -Eligible duration period 24 hours :HK$30,000 Travel Delay -HK$500 for each full 6 hours :HK$5,000 Baggage Delay -for emergency purchase of essential items after first 6 hours :HK$1,000

7. Policy Coverage & Benefits (Cont’d) BenefitsLimits (per person) Personal Baggage -HK$3,000 per pair/set of item; HK$10,000 per laptop computer; HK$5,000 per pair/set of item for Sport Equipment :HK$10,000 Personal Money:HK$3,000 Loss of Travel Document:HK$30,000 Hospital Allowance -HK$500 per day :HK$10,000 Personal Liability:HK$2,000,000

8. Policy Coverage & Benefits (Cont’d) BenefitsLimits (per person) Emergency Medical Evacuation:Unlimited Repatriation of Remains:Unlimited Care Visit:HK$20,000 Convalescence Assistance:HK$8,000 Trauma Counseling Benefit -HK$1,500 per day per visit :HK$15,000

9. Policy Coverage & Benefits (Cont’d) BenefitsLimits (per person) Kidnap -HK$500 per day (upto 30 days) :HK$15,000 Hijacking or Strike Benefit -HK$500 per 12 consecutive hours :HK$5,000 * Free 24-hours Worldwide SOS Hotline Assistance Service

10. International SOS Services  Worldwide Emergency Assistance service  Telephone medical advice  Medical referral  Emergency medical evacuation  Repatriation of remains  Please call SOS Alarm Centre at:- 24 hours SOS Hotline (852) 3122 2521 and quote CUHK and policy no. 10-12-GT001192

11. Major Policy Exclusions  War, direct participation in strike, riot and civil commotion  Suicide, attempted suicide or intentional self-infliction  Professional sports (except those authorized by CUHK)  Under the influence of alcohol or drugs  Not taking reasonable efforts to safeguard his/her property or to avoid injury  AIDS or AIDS related complex, HIV or related diseases  Manual labour or hazardous works  Preventive care and pediatric services

12. Major Policy Exclusions (Cont’d)  Dental care (unless resulting from accidental bodily injury)  Pre-existing, congenital or heredity conditions  Chronic disease management  Mental or nervous disorder, insanity  Pregnancy, childbirth and abortion  Hired or leased equipment or property  Liability arising out of possession / use of motor vehicle, aircraft, watercraft, pet / animal

13. Extended Coverage Separate extension is required for :-  insured trip duration exceeding 270 days  personal deviation / trip exceeding 3 days before and 3 days after the insured trip All benefits, limits, terms and conditions as per existing Group Travel Insurance policy. Eligibility Period / Insured: Subject to prior declaration Additional premium: As outlined on CUHK’s intranet

14. Claims Procedures  Record the time, date and place of loss or incident.  For personal accident or sickness, obtain (1) medical expenses receipt(s) with diagnosis; (2) medical record / discharge summary issued by the clinic / hospital.  For loss of property, report to the local police or the relevant party (e.g. hotel, airline, public common carrier, etc.) within 24 hours and obtain a written proof  For travel delay, curtailment, re-route and cancellation, obtain written confirmation from public common carrier stating the period of delay and reason.  Keep all the travel documents (e.g. itinerary, boarding pass, etc.)

15. Claims Procedures (Cont’d)  Complete and submit claim form with the above supporting documents and approval letter from CUHK  All claims must be reported within 30 days after the accident / trip

16. Claims Procedures (Cont’d) “All claims or enquiry should be directed to Business Office of CUHK for handling” Please visit the following link for details https://www.cuhk.edu.hk/bursary/student/restricted/insurance/bus_insurance.html

17. Questions & Answers Thank you ! Questions & Answers

18. A Jardine Matheson Associate Company The Chinese University of Hong Kong Global Internship Programme 2014 Group Travel Insurance for Students on 20 May 2014