InsuranceDictionary

Accident or Accidental

Accident or Accidental
Shall mean a sudden unexpected unforeseen and identifiable incident
Bodily Injury
Shall mean physical bodily injury occurring whilst this Policy is in force, resulting solely and independently from Accidental means and does not include sickness or disease or any naturally occurring condition or degenerative process. It also includes drowning, gassing, poisoning or exposure to the elements.
Common Carrier
Shall mean any bus, coach, taxi, hotel car, ferry, hovercraft, hydrofoil, ship, train, tram or underground train provided and operated by a carrier duly licensed for the regular transportation of fare-paying passengers, and any aircraft provided and operated by an airline or an air charter company which is duly licensed for regular transportation of fare-paying passengers, and any regularly scheduled airport limousine operating on fixed routes and schedules.
Confirmation of Insurance
The document or policy schedule issued to the Insured stipulating the cover and plan insured
Death
Item 1 under Section 1 stated in Table of Benefits
Shall mean Bodily Injury which within 12 months from the date of the Accident is the sole and independent cause of death
Emergency Service
Shall mean the 24-hour Worldwide Assistance Service provided by Inter Partner Assistance Hong Kong Limited (IPA). The emergency hotline can be called by pressing the SOS button on the right hand side of the policy page in our App.
Insured
Shall mean the person(s) named in the corresponding item in the Confirmation of Insurance, as the policyholder(s)
Insured Person
Shall mean the person(s) named in the corresponding item in the Confirmation of Insurance, for whom insurance has been arranged
Journey
Shall mean travel originated from Hong Kong for the direct purpose of commencing a Journey outside Hong Kong. A Journey shall commence from the time You leave Your place of residence or business in Hong Kong and cease by the time You return to Your place of residence or business in Hong Kong, or on expiry of the period specified in the Schedule, whichever is the earlier.
Loss of a Limb
Shall mean total functional disablement, or loss by complete and Permanent physical severance of a hand at or above the wrist or a foot at or above the ankle
Loss of Fingers or Toes
Shall mean complete severance through or above the metacarpophalangeal joints or metatarsophalangeal joints
Loss of Hearing
Shall mean Permanent irrecoverable loss of hearing where:- If a dB = Hearing loss at 500 Hertz
If b dB = Hearing loss at 1000 Hertz
1/6 of (a + 2b + 2c + d) is above 80 dB
Loss of Sight of Eyes
If c If d
dB = Hearing loss at 2000 Hertz dB = Hearing loss at 4000 Hertz
Shall mean the entire and Permanent irrecoverable loss of sight
Loss of Speech
Shall mean the disability in articulating any three of the four sounds which contribute to the speech such as the Labial sounds, the Alveololabial sounds, the Palatal sounds and the Velar sounds or total loss of vocal cord or damage of speech centre in the brain resulting in Aphasia
Loss of Use
Shall mean total functional disablement and is treated like the total loss of said limb or organ
Medical Expenses
Shall mean expenses for hospital, clinical, surgical, medical treatment, examination, diagnostic test necessarily incurred in connection with any Bodily Injury sustained by the Insured Person
Medical Practitioner
Shall mean a practitioner of occident medicines duly qualified and legally registered as such under the laws of the country to render medical or surgical service but excluding a person who is the Insured Person himself/herself, his/her spouse or relative.
Passive War
Shall mean war outside of Your country of residence whilst You are undertaking any external Journey.
Period of Insurance
Shall mean the period commencing from the date this Policy is issued or 30 days prior to the scheduled departure date, whichever is the later; until commencement of the Journey.
Permanent
Shall mean lasting for 12 consecutive months from the date of Accident and at the expiry of that period being beyond hope of improvement
Permanent Disablement
Item 2 under Section 1 stated in Table of Benefits
Shall mean Bodily Injury which within 12 months from the date of the Accident is the sole and independent cause of the Insured Person sustaining disablement as specified in the Permanent Disablement Scale
Permanent Total Disablement
Item 3 under Section 1 stated in Table of Benefits
Shall mean Bodily Injury (not resulting in disablement as defined in Item 2) which is the sole and independent cause of the Insured Person being totally disabled and prevented from engaging in each and every occupation or employment for compensation or profit for which he is reasonably qualified by reason of his education, training or experience, or if he has no business or occupation from attending to any duties which would normally be carried out by him in his daily life, provided that such disablement has continued for a period of 12 consecutive months from the date of the Accident. The disability must be total, continuous and permanent at the end of the period
Ski Equipment
Shall mean skis (including bindings), ski boots, ski poles and snowboards.
Sickness
Shall mean sickness or disease contracted within the Period of Insurance which requires the services of a Medical Practitioner and which results in expenses being necessarily and customarily incurred.
Serious Bodily Injury or Sickness
Shall mean Bodily Injury or Sickness certified by a Medical Practitioner as being dangerous to life or unfit to travel or continue the Journey. In respect of Your Pet, means Bodily Injury or Sickness that is certified by a registered veterinarian as being likely to case imminent death.
Travelling Companion
Shall mean an Insured Person who is insured by Us and is travelling with You for the entire Journey.
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