- Schedule of Benefit

Benefit Items	Maximum Benefit (HK$)
Benefit Items	Plan 1	Plan 2	Plan 3	Plan 4
1. Accidental Death & Permanent Disablement	500,000	1,000,000	1,500,000	2,000,000
2. Double Indemnity (additional benefit on Accidental Death only)	500,000	1,000,000	1,500,000	2,000,000
3. Daily Hospital Income Benefit (up to max. of 180 days per year)	300 per day	500 per day	700 per day	900 per day
4. Accidental Medical Expenses	6,000 per year	12,000 per year	15,000 per year	18,000 per year
5. Chinese Bonesetter / Acupuncturist Treatment Expenses (Limit per visit per day HK$100)	300 per year	500 per year	700 per year	900 per year

- Table of Accidental Death and Permanent Disablement

Insured Event			Benefits Payable (Percentage of Maximum Limit)
1)	Accidental death		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		50%
6)	Loss of or Permanent Total Loss of use of two Limbs		100%
7)	Loss of or Permanent Total Loss of use of one Limb		50%
8)	Permanent Total Loss of Speech and Hearing		100%
9)	Permanent Total Loss of Hearing in
	a)	both ears	75%
	b)	one ear	15%
10)	Permanent Total Loss of Speech		50%
11)	Permanent Total Loss of the Lens of one Eye		30%
12)	Removal of the Lower Jaw by surgical operation		30%
13)	Loss of or Permanent Total Loss of use of Thumb and four Fingers of
	a)	right hand	70%
	b)	left hand	50%
14)	Loss of or Permanent Total Loss of use of four Fingers of
	a)	right hand	40%
	b)	left hand	30%
15)	Loss of or Permanent Total Loss of use of one Thumb
	a)	both right joints	30%
	b)	one right joint	15%
	c)	both left joints	20%
	d)	one left joint	10%
16)	Loss of or Permanent Total Loss of use of Fingers
	a)	three right joints	10%
	b)	two right joints	7.5%
	c)	one right joint	5%
	d)	three left joints	7.5%
	e)	two left joints	5%
	f)	one left joint	2%
	(Left hand users can have the coverage percentage left and right hand reversed.)
17)	Loss of or Permanent Total Loss of use of Toes
	a)	all – one foot	15%
	b)	great – both joints	5%
	c)	great – one joint	3%
	d)	other – toe	2%
18)	Fractured Leg or Patella with established non-union		10%
19)	Shortening of leg by at least 5 cm		7.5%

*		Insurable age is between 18 to 65 years (except children). Coverage is renewable up to the age of 70.
*		Child is aged between 2 and 18 or unmarried full-time student(s) aged between 19 and 23.
*		Child(ren) must enrol with their parent(s) and is eligible to enrol in Plan 1 only.

Notes:

1.		The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions.
2.		Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
3.		The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.