香港汇丰银行一般保险条款、声明、细则

Declaration,TermsandConditionsAccidentSuranceDeclarationforAccidentSuranceI,onbehalfofeachofmyself,myspouseandmychild/children(ifany),herebydeclareasfollows:1.I(Insured)/We(Insured,insuredspouseandinsuredchild/children)herebyapplyforAccidentSurancewithintheHongKongSpecialAdministrativeRegionanddeclarethatthestatementsandparticularsgiveninthisapplicationaretothebestofmy/ourknowledgeandbelief,trueandcomplete,andthatthisapplicationwillformthebasisofmy/ourcontractwithAXAGeneralInsuranceHongKongLimited.2.I/Wefurtherdeclarethat:(i)Iam/Weareingoodhealthandfreefromphysicalimpairmentordeformity.(ii)Iandmyinsuredspousearebothunder60yearsofageandtheinsuredchild/childrenis/aresixmonthsofageoroverbutunder18yearsofageorisa/arefull-timestudent(s)ataschool,collegeoruniversityunder23yearsofage.(iii)Iam/WeareHongKongSpecialAdministrativeRegionresidents.(iv)I/Wehaveneverbeendeniedpersonalaccidentinsurance.(v)I/Wedonothaveanyin-forceAccidentSurancepolicywithAXAGeneralInsuranceHongKongLimitedthatwaseffectedafter27October2002,andhavenothadanyAccidentSurancepolicycancelledduringthelastsixmonths.3.I/Weunderstandthatinsuredperson(s)whoengageinworkoractivitieslistedintheHazardousActivitiesList,willreceivenobenefitsunderthepolicyforAccidentalInjury,DeathorMedicalExpenseswhichresultfromorarecauseddirectlyorindirectlybyanAccidentwhilstcarryingoutsuchworkoractivity.4.I/WehavereadandunderstoodthePersonalInformationCollectionStatement,TermsandConditionsandthePolicyWordingofthisAccidentSuranceandagreetobeboundbythesame.TermsandConditionsforAccidentSurance1.Eligibility(agelimits)Applicant'sfamilymembersare:legallymarriedspouseunder60yearsofagealllegallydependentunmarriedchildren,includingstepchildrenandlegallyadoptedchildren,whoaresixmonthsofageoroverbutunder18yearsofageorfull-timestudentsataschool,collegeoruniversityunder23yearsofage2.BenefitsPayable(i)Spouse:SameastheInsured's(ii)Children:CashBenefitforAccidentalInjuryorDeath:20%oftheInsuredMedicalexpenses:20%oftheInsured's(DailylimitsameastheInsured's)Chinesebonesetterexpenses:20%oftheInsured's(DailylimitsameastheInsured's)3.PremiumPaymentMethodPremiumsmaybepaidbydirectdebittoadesignatedcreditcardaccount.4.RenewalAgreementAccidentSurancewillbereneweduponpaymentofpremiumwhendue,otherwiseitwillbecancelledautomatically.5.RefundofPremium(i)FormonthlypaymentpolicyThispolicyissubjecttominimumpaymentoftwomonths'premiuminadvancewhichisnotrefundableuponterminationunlessthepolicyiscancelledwithin15daysofthereceiptofthepolicy(i.e.fromthedateofapplication).(ii)ForannualpaymentpolicyThispolicyissubjecttothepaymentoftheannualpremiuminadvance.AllpremiumpaidwillatalltimesbesubjecttothePremiumRefundRulesupontheterminationofAccidentSuranceexceptwhereAccidentSuranceiscancelledwithin15daysofthereceiptofthepolicy(i.e.fromthedateofapplication),whereafullrefundwillbemade.6.PrivacyandSecurityStatementOnceyousubmitanonlineapplicationofthisAccidentSurance,youshallbedeemedtohaveread,understoodandagreedtothePrivacyandSecurityStatement.IfyouhavenotalreadyreadthisStatement,pleasedosobyclickinghere.PleaserefertoPolicyWordingforfulldetailedtermsandconditions.Formoreinformation,pleasecallInsuranceServiceHotlineon(852)28678678.「意外万全保」「意外万全保」声明本人，并代表配偶及子女（如适用），作出以下声明：1.本人（投保人）/本人等（投保人及受保配偶与子女）于香港特别行政区境内申请「意外万全保」并声明就本人（等）所知所信，本申请书内的各项陈述及细节均属真实无讹及完整，且本申请书将会成为本人（等）与安盛保险有限公司所签署合约的依据。2.本人（等）更作以下声明：(i)本人（等）现在身体健康，身体无任何的缺陷。(ii)本人和受保配偶的年龄均低于60岁，受保子女的年龄则介乎六个月或以上及18岁以下，或23岁以下而在本保险生效日时在学校、学院或大学就读的全日制学生。(iii)本人（等）均是香港特别行政区居民。(iv)本人（等）从未被拒绝申请任何个人意外保险。(v)本人（等）现时并未持有由安盛保险有限公司于2002年10月27日或以后发出的「意外万全保」保单，亦未有在过去六个月内取消任何「意外万全保」保单。3.本人（等）明白此保单将不承保从事任何高危活动类别的受保人，在受雇于或在执行此等工作或活动时直接或间接产生或招致的意外受伤、意外身亡或医疗费用。4.本人（等）已阅读及明白收集个人资料声明及此「意外万全保」之条款及规定及保单内容，并同意接受其约束。「意外万全保」条款及细则1.投保资格（年龄限制）申请人的合资格家属只限于:60岁以下的合法配偶。所有未婚并受供养的合法子女，包括继子女和合法领养的子女，唯年龄须在六个月或以上及18岁以下，或23岁以下而在学校、学院或大学就读的全日制学生。2.赔偿额(i)配偶:与投保人相同(ii)子女:意外受伤或身亡的现金赔偿:基本保额之20%医疗费用:投保人之20%（每日赔偿额与投保人相同）。跌打费用:投保人之20%（每日赔偿额与投保人相同）。3.保费缴付方法保费将直接在指定的信用卡户口内扣除。4.续保协议「意外万全保」将于保费到期日于缴付保费时自动续保，否则将自动被终止。5.保费退还(i)月缴保单成功申请人须预缴最少两个月保费。除非接获保单后15天内（由申请日期起计算）取消该保单，否则所有预缴保费将不获退还。(ii)年缴保单成功申请人须预缴全年保费。如在接获保单后15天内（由申请日期起计算）取消该保单，保费会全数退还，否则保费退还将根据「退还保费条款」而定。6.私隐与保安声明您在网上申请「意外万全保」时，将被视为已阅读、明白及同意所列之「私隐与保安声明」。倘若您尚未阅读该声明，请按此处。有关条款及规定之详情，请参阅保单。如有查询，请致电保险服务热线(852)28678678。FireInsuranceDeclarationforFireInsurance1.I(Applicant)havereadandunderstoodthePersonalInformationCollectionStatement.2.IherebyapplyforFireInsurancewithintheHongKongSpecialAdministrativeRegionanddeclarethatthestatementsandparticularsgiveninthisapplicationaretothebestofmyknowledgeandbelief,trueandcomplete,andthisapplicationwillformthebasisofmycontractwithAXAGeneralInsuranceHongKongLimited.Ifurtherdeclarethat:(i)Myinsuredpropertyisbuiltofbricks,stoneandconcreteandroofedwithconcrete.(ii)Myinsuredpropertyislessthan40yearsofage.(iii)MyinsuredpropertyisnotusedforcommercialpurposesandislocatedinapermanentbuildinginHongKongSAR.(iv)Iam/willbethelegalownerofthisinsuredpropertybythePolicyCommencementDate.(v)Ihaveneverhadanyfireinsuranceapplicationsrejectedoracceptedonspeci