Untitled Document

Employees Life Contract (ELC 2000)

1.	Product Highlights
2.	Table of Benefits
3.	Benefits Design
4.	Major Exclusions

Product Highlights

Life Benefit

A lump sum benefit will be payable for loss of life resulting from all causes.

-	For groups of 5 or more employees, immediate protection up to the "Automatic Acceptance Limit" will be offered to actively at work employees upon their effective date of coverage.
-	Free continuation of insurance coverage lasts for 60 days after eligible employees' termination of employment.

Total & Permanent Disablement Benefit Rider (TPD)

A lump sum benefit will be payable to the insured employee, as a result of sickness or injury, for any total disability which prevents him/her from performing his/her own occupation for six consecutive months, and thereafter any occupation reasonably suited by his/her experience, training or education.

Accidental Death & Dismemberment Benefit Rider (ADD)

A lump sum benefit will be payable for losses due to accidental bodily injury specified as follows :

Table of Benefits

Event		Compensation
1.	Accidental Death	100%
2.	Total and irrecoverable loss of sight in one or both eyes	100%
3.	Total loss of one or more limbs	100%
4.	Total & irremediable loss of use of two or more limbs	100%
5.	Total & irremediable loss of use of one limb	50%
6.	Total & irremediable loss of speech	50%
7.	Total loss of hearing in both ears	75%
8.	Total loss of hearing in one ear	15%
9.	Loss of lens of one eye	50%
10.	Loss of all toes on one foot	15%
11.	Loss of thumb and four fingers of one hand	50%
12.	Loss of four fingers of one hand	40%
13.	Loss of whole thumb	25%
14.	Loss of whole index finger	10%
15.	Loss of whole middle finger	6%
16.	Loss of whole fourth finger	5%
17.	Loss of little finger	4%

"Loss of Use" shall mean total irrecoverable functional disablement.

Benefits Design

Life benefit options of 24, 36 or 48 times basic monthly salary or fixed sum insured (minimum of HK$100,000) are available to suit the needs of different classes of employees. Please select one benefit option for all eligible employees of the same class. The sum insured for Accidental Death and Dismemberment and Total and Permanent Disablement must be equal to the Life benefit.

Major Exclusions

•	Life - No exclusion.
•	Accidental Death and Dismemberment - Participation in hazardous activities, self-inflicted injury or suicide, sickness, intoxication, pregnancy and childbirth, war, military, naval or air services and involvement in any illegal activities, etc.
•	Total And Permanent Disablement - Self-inflicted injury and war, etc.

The above product(s) is/are offered for sale in Hong Kong only and are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.