Accidental Emergency Medical Insurance

China Taiping Insurance (HK) Company Limited (‘‘the Company’’) is authorized by the International

Health Exchange and Cooperation Centre, Ministry of Health, P.R. China (for Gold Card) and the

Health Department of Guangdong and Fujian Provinces (for Blue Card) to issue “Accidental

Emergency Medical Insurance Card” (“Emergency Card”), which gives you 100% confidence

of cover.

The Biggest Hospital Network, Assures You Free of Worries

In the event of the Insured encountering accident in Mainland China, upon presentation of the

Emergency Card, immediate medical treatment will be rendered by the Hospital Network

without deposit payment.  A large Hospital Network would provide you with adequate and

comprehensive protection.

Dual Currency Policy, Freely Choose

You can choose the Policy HKD or RMB.

No Restriction on Age and Occupation

This plan is available to anyone who holds a Hong Kong Identity Card or Macau Identity Card or Permit for Taiwan Compatriot or Foreign Passport. Any age and occupation is acceptable.

Unlimited Journey, Free Duration of Stay

You need not worry about how frequent you travel or how long you stay, your every single trip is well covered.

Free 24-hour Emergency Assistance Service, unlimited coverage for “Emergency Medical Evacuation or Repatriation” 

and “Repatriation of Mortal Remains or Ashes”

Territorial Scope: Mainland China (Exclude Hong Kong SAR、Macau SAR & Taiwan)

① If the Insured engages in any of the types of work listed below (whether on a temporary or permanent basis), no benefit shall be payable under Personal 

Accident Section for death or Permanent Total Disablement which results from or is caused directly or indirectly by an Accident whilst:

．Taking part in performing entertainment or film/television production or stuntman or martial acts fighter ．driving commercial 

vehicle  ．working at height exceeding 30 feet above ground or floor level or excavations in any part of a depth of 20 feet from 

the surface ．working on board or terminal  ．working on a construction site  ．Using of machinery driven by steam, gas, water, 

electricity or other mechanical power or machinery for cutting or pressing metal or plastic.In the event of the death of the Insured 

caused by Accident resulting from any of types of work as mentioned above, the company will pay HKD/RMB20,000(Standard 

Plan) or HKD/RMB50,000(Deluxe Plan) as an Accidental Death Allowance to the Insured‘s legal /appointed beneficiary.

General Exclusions

The Company will not be liable for death or bodily injuries and expenses arising out of or in consequence of:

　　．war, hostilities or warlike operations, loss or damage from Act of Terrorism, civil war, rebellion, strikes, riotsor caused 

　　　by or contributed to by or arising from ionizing radiations or contamination by radioactivity from anynuclear fuel or 

　　　from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception combustion shall 

　　　include any self-sustaining process of nuclear fission.

　　．taking part in any illegal act or activities.

　　．engaging in sports or games in a professional capacity or where an Insured would earn income or remuneration 

　　　from engaging in sports.

　　．participating in dangerous activities or sports.

　　．willfully exposing himself to needless peril (except in an attempt to save human life) or suicide, self-destruction,self-

　　　inflicted injury or any attempt threat whether sane or insanepregnancy, childbirth, dystocia, abortion or miscarriage.

　　．fighting, attack resulting from provocation or deliberate act of Insured or insanity, intoxication or use of drugs(other 

　　　than taken under a Medical Practitioner), rest cure or sanatorium care and dental treatment (except as necessitated 

　　　by accidental injuries to sound natural teeth).

　　．engaging in any form of aerial flight or air travel other than as a passenger in a properly licensed multi-engined 

　　　aircraft being operated by a licensed commercial air carrier or owned and operated by a commercial company.

　　．venereal disease or HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS 

　　　(Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof howsoever caused.

　　．pre-existing illness or bodily injury.

Personal Accident

　　1.A claim should be informed in writing immediately to the Company within 30 days after the accident.

　　2.A claim must be submitted with supporting documents including medical reports issued by a medical practitioner 

           giving details on the nature of the injury and the extent of disability, evidence from the official authorities concerned 

           such as police reports and if death shall have resulted, original of the death certificate and the relevant coroner’s 

           report.

Accidental Emergency Medical Expenses

　　1.If the Insured is admitted to the Hospital Network as an in-patient due to accidental bodily injury, the Insured is 

           allowed to waive any hospital admission deposit provided that he/she presents a valid Emergency Card to hospital 

           for examination, the Company will settle the relevant medical expenses to the Hospital Network directly. 

           Nevertheless, the Insured reimburse or shall be responsible for payment of any medical expenses which exceed 

           the maximum benefit or are not covered in this Policy.

　　2.If the Insured is admitted to the Hospital Network as a out-patient due to accidental bodily injury or without 

           presenting the Emergency Card, the Insured needs to pay the emergency medical expenses and then can submit 

           directly to the Company a completed claim form as provided by the Company within 30 days after the accident, 

           together with original payment receipts with detailed breakdown of expenses from the Hospital Network, and original 

           medical certificate issued by the attending medical practitioner and original report issued by the official authorities 

           concerned or evidence of the alleged accident.

Important Notes                                          

　　1.If the Insured loses the Emergency Card or wishes to change the personal details on the card, a written notification to 

           the Company is requested. A new card is therefore issued for supplement subject to a handling fee of HKD/RMB100 

           charged to the Insured.

　　2.The Insured may cancel this insurance by written notification to the Company and returning the Emergency Card and 

            Policy, the balance of premium for the unexpired period of Insurance will be made subject to the following conditions:

               ． For 30 days, 90 days, 180 days and one-year insurance policy, no premium is refundable.

               ． For two-year insurance policy, the part of premium of the second year of the policy is refundable if the notice 

                    of the cancellation to the Company is given in the first-year of the policy; if the notice of cancellation is given 

                    in the second year, no premium is refundable.

               ．For three-year insurance policy, only the part of premium of the balanced two years of the policy is refundable 

                    if the notice of cancellation to the Company is given in the first year of the policy; if the notice of cancellation is 

                    given in the second year of the policy, the premium of the third year is refundable; if the notice is given in the 

                    third year, no premium is refundable.

　　3.All first treatment for bodily injury must be attended by a Medical Practitioner at the Hospital Network in the Mainland China.

　　4.All Premium and claim payments will be made in insured currency. If RMB is required to convert into HKD, the applicable rate is determined by the Company.

Product Enquiry: 3716 1616

* The information contained in this website is a general summary. All terms and conditions are set out in the policy.