Plan I	Plan II	Plan III
1. Emergency Medical
A. Medical Expenses 1,000,000 600,000 300,000 B. Overseas Hospital Cash 8,000 5,000 3,000 C. Medical Facility Extension 25,000 15,000 10,000
2. Personal Accident
A. Accident on Public Common Carrier or Caused by Armed Robbery (Only for Single Trip Travel Plan) 1,500,000 900,000 450,000 B. Personal Accident 1,000,000 600,000 300,000 C. Burns Benefit 300,000 200,000 100,000
3. Worldwide Emergency Assistance Service
A. Emergency Medical Evacuation Actual Cost Actual Cost Actual Cost B. Repatriation of Mortal Remains Actual Cost Actual Cost Actual Cost C. 24-hour MIN XIN Worldwide Assistance Services Included Included Included D. Deposit Guarantee for Hospital Admission 50,000 50,000 50,000
4. Travel Inconvenience
A. Trip Cancellation 30,000 30,000 25,000 B. Trip Curtailment or Re-arrangement 30,000 30,000 25,000 C. Travel Delay 2,000 2,000 2,000 D. Baggage Delay 1,000 1,000 1,000
5. Personal Belongings
A. Personal Baggage 20,000 15,000 10,000 B. Personal Money 3,000 2,500 2,000 C. Loss of Travel Document 10,000 7,500 5,000 D. Emergency Cash 10,000 7,500 5,000
6. Special Care
A. Compassionate Visit 20,000 15,000 10,000 B. Child Escort 20,000 15,000 10,000 C. Credit Card Protection 50,000 30,000 20,000 D. Consolation Benefit 20,000 15,000 10,000 E. Hospital Income Plus 8,000 5,000 2,000 F. Rental Vehicle Excess 5,000 5,000 5,000 G. Compulsory Quarantine Cash Allowance 5,000 5,000 5,000
7. Legal Liability
A. Personal Liability 2,000,000 2,000,000 1,000,000
8. Optional Benefits
A. Additional Upgrade Personal Accident Benefit       i) Upgrade Additional Personal Accident Benefit Refer to (Table of Coverage, 8.Optional Benefits) ii) Scarring of The Face Benefit 20,000 20,000 20,000

Single Trip Travel Plan
No. of Day(s)	Plan I			Plan II			Plan III
	Individual	Individual + Children *	Family *	Individual	Individual + Children *	Family *	Individual	Individual + Children *	Family *
Optional Benefits

*Include all accompanying children aged 17 or below。

Annual Travel Plan
	Plan I			Plan II			Plan III
	Individual	Individual + Children *	Family *	Individual	Individual + Children *	Family *	Individual	Individual + Children *	Family *
Annual Travel Plan	2,650	N/A	4,770	1,830	N/A	3,300	990	N/A	1,790
Annual Travel Plan Optional Benefits	3,127	N/A	5,628.6	2,159.4	N/A	3,894	1,168.2	N/A	2,112.2
China Medical Guarantee Card (per person)	100	N/A	100	100	N/A	100	100	N/A	100

* Include all accompanying children aged 17 or below.

1. Aged 18 or over should choose "Individual" plan.
2. "Individual & Children" plan includes insured person and all accompanying child(ren) aged 17 or below.
3. "Family" plan includes insured person and his/her legal spouse and all accompanying child(ren) aged 17 or below.
4. Accident on Public Common Carrier or during Robbery, the Indemnity of Personal Accident 2A will pay up to"1.5 of coverage 2B – Only for Single Trip Travel Plan".
5. For accompanying child(ren) aged 17 or below, Coverage 2A is not applicable and Coverage 2B is 50%; And for any insured person aged 76 or above, Coverage 2A is not applicable and Coverage 2B is 100%.
6. Only "Plan III" is applicable to the insured person aged 76 or above (subject to our prior approval) (Only for Single Trip Travel Plan).
7. Only "Plan III" is applicable to the insured Child(ren) aged 17 or below who travel other than father or mother, Coverage 2A is not applicable and Coverage 2B is 50% (Only for Single Trip Travel Plan).
8. For Annual Travel Plan the maximum limit per "Family" plan will be subject to 300% of one single adult insured.
9. The Policy is not applicable to overseas full time student or student lives at overseas.

1. EMERGENCY MEDICAL
A. Medical Expenses Reimbursement of medical expenses, including outpatient, surgery and hospitalization arising from accident or sickness during the period of insurance. Follow-up medical treatment incurred within 90 days after returning to will be covered up to 100% of unused portion of sum insured for injury, and will be covered up to 10% of unused portion of sum insured for sickness. This benefit also includes expenses for registered / listed Chinese herbalist, Chinese bonesetter and acupuncturist up to 150 per visit per day, and not exceeding 3,000 in aggregate. B. Overseas Hospital Cash 500 per day will be payable if necessarily confined in a hospital due to accident or sickness overseas during the period of insurance. C. Medical Facility Extension Reimbursement on cost of medical facility equipment and installation for household and daily purpose, as a result of accidental permanent total disablement.
2. PERSONAL ACCIDENT
A. Accident whilst on a Public Common Carrier or Caused by Armed Robbery (Only for Single Trip Travel Plan) In the event of death or disablement arising as a result of an accident sustained during the period of insurance while riding as a passenger in a public common carrier or caused by robbery, benefits payable will be multiplied by 1.5 from 2B Personal Accident. (Coverage 2A is not applicable to person aged 17 or below, aged 76 or above) B. Personal Accident In the event of death or disablement arising as a result of an accident other than those stated in Coverage 2A (Accident whilst on Public Common Carrier or Caused by Armed Robbery) during the Period of Insurance, amount of benefits up to the limit stated in the Coverage and as provided in the Compensation Table hereunder will be payable:   Events Percentage of Amount of Benefits 1. Loss of Life 100% 2. Permanent Total Disablement 100% 3. Permanent and Incurable Paralysis of all Limbs 100% 4. Permanent Total Loss of Sight of both Eyes 100% 5. Permanent Total Loss of Sight of one Eye 100% 6. Loss of or the Permanent Total Loss of use of two Limbs 100% 7. Loss of or the Permanent Total Loss of use of one Limb     Right Hand 100%   Left Hand 100%   One Foot 100% 8. Loss of Speech and Hearing 100% 9. Permanent Total Loss of Hearing in     Both Ears 75%   One Ear 15% 10. Loss of Speech (Coverage 2B will be 50% for those aged 17 or below) 50% C. Burns Benefit Compensation for Second or Third Degree Burn of body surface arising from accident abroad.
3. WORLDWIDE EMERGENCY ASSISTANCE SERVICE
A. Emergency Medical Evacuation Necessary evacuation to or nearest place for appropriate medical treatment due to serious injury or sickness. Payment on actual cost basis without any limit so to ensure adequate protection. B. Return of Mortal Remains Necessary arrangement to return deceased insured person's mortal remains to . C. 24-hour MIN XIN Worldwide Assistance Services Including phone medical advice and evaluation, referral to doctors and hospitals, medical evacuation and repatriation, referral to legal service and emergency travel service. D. Deposit Guarantee for Hospital Admission Upon admission to a hospital during the period of insurance, Min Xin Emergency Assistance provides guarantee for the medical expenses incurred by the insured person in the hospital up to a limit of 50,000 in respect of any one insured person. Such expenses are to be borne by the insured person unless otherwise covered under Coverage 1 Emergency Medical of this policy.
4. TRAVEL INCONVENIENCE
A. Trip Cancellation(This coverage is effected within 90 days before commencement of the insured trip or after policy issuance, whichever is the later) Reimbursement for the loss of travel expenses, including travel fare, tour fee and/or accommodation expenses paid in advance, in the event of cancellation of the trip due to : death or serious injury or serious sickness of the insured person, immediate family member, close business partner or traveling companion; sudden occurrence of strike by the employees of a public common carrier, unanticipated outbreak of riot, civil commotion, terrorism, natural disaster or epidemic at the planned destination within one week before the departure date; witness summons, jury service or compulsory quarantine of the insured person; serious damage to insured person's home arising from fire, flood or natural disaster within one week before the departure date. B. i) Trip Curtailment Reimbursement for the additional or forfeited travel fare and/or accommodation expenses incurred arising from: death, serious injury, serious sickness or hijack of the insured person, immediate family member, close business partner or travelling companion; sudden occurrence of strike by the employees of a public common carrier, unanticipated outbreak of riot or civil commotion, adverse weather conditions, natural disasters, terrorism or epidemic at the planned destination. OR  ii) Trip Re-arrangement Reimbursement for the additional travel fare and/or accommodation expenses incurred upon having to re-route the planned trip arising from: sudden occurrence of strike by the employees of a public common carrier, unanticipated outbreak of riot and civil commotion, terrorism, adverse weather conditions, natural disaster or epidemic at the planned destination. Reimbursement for additional transportation expenses due to the scheduled flight suffers serious delay over 24 hours and has to re-route the flight to catch up with another scheduled flight. C. Travel Delay 500 cash for each full 6 hours delay if the scheduled public common carrier is delayed due to adverse weather conditions, natural disasters, equipment failure, hijacking or strike by the employees of the public common carrier. D. Baggage Delay Compensation for emergency purchases due to over 6 hours delay of accompanied baggage abroad. (No benefit will be provided for the claim under both coverage 4B(ii) Trip Rearrangement and coverage 4C Travel Delay due to same event)
5. PERSONAL BELONGINGS
A. Personal Baggage Indemnify for loss of or damage to personal baggage arising from accident, theft or robbery during the trip. Every set/pair or item up to 3,000 including tablet PC; sports equipment up to 5,000 per set/pair; laptop computer (including accessories) up to 10,000 per set/item. B. Personal Money Reimburse for the loss of cash, bank notes, traveler's cheques and/or money order as a result of accidental loss, theft, robbery or burglary. C. Loss of Travel Document Reimburse for the additional transportation, accommodation and document replacement cost arising from loss of essential travel documents abroad. D. Emergency Cash If the insured person has to necessarily stay behind due to loss of or damage to essential travel documents abroad, the company shall pay 500 each calendar day until the documents are recovered, or the insured person can leave the place where loss occurred. (For the claims of coverage 5A, 5B, 5C, 5D, police report must be obtained localy within 24 hours and submitted with original copy and receipts; No benefit will be provided for the claim under coverage 4D Baggage Delay and coverage 5A Personal Baggage due to same event)
6. SPECIAL CARE
A. Compassionate Visit Indemnify for the additional traveling and accommodation expenses necessarily incurred by an immediate family member to fly over or by one accompanying traveling companion to stay behind with the insured person who is hospitalized or passed away abroad. B. Child Escort Indemnify for the additional traveling and accommodation expenses for returning the insured person's accompanying child(ren) who is (are) aged 17 or below and no other adult accompanied the child(ren) back to if the insured person passes away or sustains serious injury or sickness abroad. C. Credit Card Protection In the event of death of the insured person due to accident or sickness sustained abroad, the unsettled credit card purchases during the period of insurance and charges incurred will be compensated. D. Consolation Benefit Compensation will be payable for the insured person's immediate family member if the insured person passed away as a result of sudden injury or sickness abroad within the period of insurance. E. Hospital Income Plus 300 cash per day within a 90 days period after returning to the home country if the insured person is confined to a hospital due to serious injury or sickness sustained abroad. F. Rental Vehicle Excess Reimbursement for the excess, which the insured person is liable under part of hiring agreement, if the insured person rents or hires a rental vehicle during the period of insurance and the vehicle is involved in a collision whilst under his/ her control, or it is damaged, or stolen during parking. Special Condition As part of the hiring arrangement the Insured Person must take up all comprehensive motor insurance against loss or damage to Rental Vehicle during the rental period. G. Compulsory Quarantine Cash Allowance 500 per day will be payable for each complete day of compulsory quarantine due to infection with an infectious disease during the covered trip or within 7 days upon return to .
7. LEGAL LIABILITY
A. Personal Liability Covers the insured person against legal liability for bodily injury or property damage to a third party due to the insured person's negligence. The company shall take over for any settlement that is being made. (Not applicable for any driving or rental of automobile, aircraft and watercraft)
8. Optional Benefits
A. Additional Upgrade Personal Accident Benefit Insured person can gain the following extensive protection by only paying an extra 18% of the original premium, so as to enjoy a wonderful trip with no worry: Ai) Upgrade Additional Personal Accident Benefit Aii) Scarring of The Face Benefit Ai) UPGRADE ADDITIONAL PERSONAL ACCIDENT BENEFIT Unlike most of the similar travel products in the market which only indemnify for accidental death, permanent total disablement of one limb or both limbs caused by accident, permanent total loss of sight or hearing, the "Upgrade Additional Personal Accident Cover" provides a wider coverage for personal accident compensation:   Events Percentage of Amount of Benefits 1. Loss of Life 100% 2. Permanent Total Disablement 100% 3. Permanent and Incurable Paralysis of all Limbs 100% 4. Permanent Total Loss of Sight of both Eyes 100% 5. Permanent Total Loss of Sight of one Eye 100% 6. Loss of or the Permanent Total Loss of use of two Limbs 100% 7. Loss of or the Permanent Total Loss of use of one Limb     Right Hand 100%   Left Hand 100%   One Foot 100% 8. Loss of Speech and Hearing 100% 9. Permanent and incurable Insanity 100% 10. Permanent Total Loss of Hearing in     Both Ears 75%   One Ear 15% 11. Loss of Speech 50% 12. Permanent Total Loss of the Lens of one Eye 50% 13. Loss of or the Permanent Total Loss of use of four Fingers and Thumb of     Right Hand 70%   Left Hand 50% 14. Loss of or the Permanent Total Loss of use of four Fingers of     Right Hand 40%   Left Hand 30% 15. Loss of or the Permanent Total Loss of use of one Thumb     Both Right Joints 30%   One Right Joint 15%   Both Left Joints 20%   One Left Joint 10% 16. Loss of or the Permanent Total Loss of use of Fingers     Three Right Joints 15%   Two Right Joints 10%   One Right Joint 7.5%   Three Left Joints 10%   Two Left Joints 7.5%   One Left Joint 5% 17. Loss of or the Permanent Total Loss of use of Toes     All toes - One Foot 20%   Great - Both Joints 7.5%   Great - One Joint 5% 18. Fractured Leg or Patella with established non-union 15% 19. Shortening of Leg by at least 5cm 10% 20. 20. Permanent Disablement not otherwise provided for under Events 10 to 19 inclusive. Such percentage of the Amount of Benefits Insured as the Company shall in its absolute discretion determine and being in its opinion not inconsistent with the Compensation provided under Events 10 to 19 inclusive. Aii) SCARRING OF THE FACE BENEFIT In the event of the insured person suffers bodily injury caused by accident, results in permanent disfigurement or permanent scarring of the face of at least, one square centimeter or two centimeters in length to be certified by physician, the company will pay the amount insured up to 20,000. The amount of insured payable will not take into account any psychological effects.

(Only for Annual Travel Plan)

1. Comprehensive hospital network in PRC, no admittance deposit needed.
2. All recognised hospital network has undergone medical facilities evaluation.
3. Cover medical expenses in hospital for both accident and sickness.
4. 24 hours hotline services inclusive.
5. Comprehensive cover applicable anytime, anywhere in PRC.

Remarks:
If the accident/sickness or relevant expenses are not covered under the insurance, the insured person shall be fully responsible for all relevant expenses on his/her behalf.

(applicable to all coverages)

1. Pre-existing, congenital or heredity condition (whether aware or not).
2. Suicide, attempted suicide or intentional self-infliction of bodily injury; contrary to doctor's advice, or the purpose of trip is for obtaining medical treatment.
3. Abortion, miscarriage, pregnancy or resulting childbirth; dental care (unless resulting from accidental injury to sound and natural teeth); mental or nervous disorders, insanity; under the influence of alcohol or drugs; AIDS, HIV seropositive or related disease, sexually transmitted diseases.
4. War or warlike actions, civil war, participate in revolution, riot and strike, performing armed forces duties, police, volunteer and engaged in war or crime suppression; nuclear weapons, radiation, radioactivity.
5. Professional sports, racing except on foot, mountaineering or rock climbing necessitating the use of guides or ropes and competition; riding in any aircraft except as a passenger in a properly licensed aircraft flown by a qualified pilot; manual labour or hazardous works, offshore drilling, mineral extraction, handling of explosives and aerial photography.
6. Prohibition or regulation by any government, or customs detention; unlawful, willful, malicious acts of the insured person; committing a felony or while under arrest because of commission of a felony.

1. The maximum period of protection of Single Trip Travel Plan: Round trip covers up to 182 days, one way up to 60 days.
2. The maximum period of protection of Annual Travel Plan is 120 days.
3. This insurance is only valid for travel originated from .
4. For Single Trip Travel Plan, if the insured person is aged 76 or above, please contact us for approval.
5. For Annual Travel Plan, the age limit is 18-72.
6. For Annual Travel Plan, children cover is entitled from 1 to 17 years of age under Family Plan.
7. If the insured person is covered by more than one comprehensive voluntary travel insurance policies underwritten by Min Xin Insurance Company Limited, Hong Kong Head Office and/or Macau Branch for the same trip, only the travel insurance policy with the greatest compensation will apply and benefits thereunder be payable.
8. No refund of premium is allowed once the policy has been issued.
9. Cover will automatically be extended up to a maximum of 10 calendar days in the event the covered trip is being unavoidably delayed.
10. This insurance is only valid for the purpose of leisure travel or business travel (limited to administrative duty) only and not applicable to tour guide/escort (e.g. Performance, Machine operation).
11. This brochure provides only a summary of the policy benefits. Coverage should be subject to the terms and conditions of the policy.
12. This insurance is not applicable to PRC citizen traveling within the PRC territory.

* The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions. For details, please contact (852) 2521 5671 or click here to contact us.