1. In order to purchase for a Junior Plan, the Insured person must be between the ages of 6 months and 17 years or an unmarried full-time student between the ages of 18 and 23 years; the policyholder must be the parent of the insured person.
2. Any Policyholder can purchase for himself/herself, his/her spouse, child(ren), parents and/or parents-in-law under an individual or a family policy.
3. The policy is renewable up to aged 80 years.
4. When a claim occurs, if there is any other policy covering any benefits insured by this policy (except as provided by Section 1 - Personal Accident and Section 4 - Accidental Daily Hospital Cash), Zurich Insurance Company Ltd ("Zurich") will be liable only for our proportionate share.
5. This policy excludes the time when the insured person is engaging in duty for any occupation principally in the use of light machinery or engines and any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment. Please contact Zurich if the proposer cannot determine his/her own occupational class.
6. Depending on the type of bone broken as a result of an accident, a specific percentage is applied to the sum insured according to the following compensation table. If more than one broken bone benefit is applicable arising out of the same accident, only the applicable benefit with the highest compensation will be paid.
7. The insured person must be unemployed for at least 30 consecutive days after dismissal in order to obtain refund of the premium paid for this policy. The cover shall cease when (i) the insured person returns to work or (ii) the premium has been refunded for 6 months for any policy year, whichever first occurs.
8. Zurich Insurance Company Ltd reserves the right to revise or adjust the premium.

General Exclusions (Applicable to all sections):

This policy does not cover death, injury, sickness or loss directly or indirectly caused by, resulting from or in connection with any of the following:

1. The time when the insured person is engaged in duty for the following occupations:
   •  any occupations principally in the use of light machinery or engines (such as electrician, restaurant or fast food or catering worker including but not limited to cook, waiter/waitress and kitchen worker, printer, baker, plumber for household/indoor duties only, hawker, private car driver); or
   •  any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment (such as delivery worker, interior decorator, machine/engine repairer/maker, road worker, fuel station worker, bus / light bus / taxi / lightgoods vehicle / truck / container truck driver); or
   •  engage in duty with any armed force of any country or international authority; fireman or
   •  stevedores, loading or unloading of objects on ships, being acrobats, aircrew, ship crew, aerial worker, racing driver, China-Hong Kong cross border driver, demolition workers, stuntman, entertainer, jockey, underground and underwater worker, explosive worker, construction worker, worker at height including but not limited to scaffolding worker, circus trainer, detective, newspaper-war correspondent, wild animal trainer.
2. Any pre-existing condition; congenital deformities or anomalies.
3. Any kind of disease; or any loss caused by an injury which is a consequence of any kind of disease.
4. General check-up, convalescence, custodial or rest care or sanitaria care, or expenses incurred not in accordance with the diagnosis and treatment of the condition for which the confinement is required.
5. Cosmetic surgery, procurement or use of special braces, appliances or equipment except for it is reasonably caused by an accident.
6. Participating in criminal acts.
7. Riding or driving in any kind of motor racing, or engaging in a sport in a professional capacity or where the insured person would or could earn income or remuneration from engaging in such sport.
8. Air travel other than as a passenger on a regular scheduled airline or licensed chartered aircraft.
9. Suicide, attempted suicide or intentional self-injury, insanity, mental disorder of any kind, psychosis, stress or depression, whilst under the influence of alcohol or drugs, any kind of illness, childbirth, pregnancy, miscarriage, and Acute Mountain Sickness.
10. War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power.
11. Any injury, illness, death, loss, expense or other liability attributable to HIV (Human Immune Deficiency Virus) and/or HIV-related illness including AIDS and/or any mutant derivative or variations thereof however caused or however named.
12. Any injury or sickness or disease directly or indirectly arising from:
    •  ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;
    •  the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component.
13. Disease or sickness arising from asbestos.

Exclusions to Section 4

This section does not cover:

1. Hospital confinement for the purpose of convalescent or rest cure or rehabilitation; custodial or sanitaria care.
2. Any home leave while the insured person is confined to a hospital as an in-patient.

Exclusions to Section 5

This section does not cover:

1. The insured person's termination of employment was due to wilful misconduct or retirement.
2. The dismissal is due to the seasonal nature of the insured person's employment, a project or specific period of employment is completed.
3. The insured person voluntarily resigns.
4. The insured person was unemployed on or immediately prior to the commencement date.
5. Any of the insured person's employment that is less than eighteen (18) hours a week or the insured person is unable to claim severance benefit.
6. Any of the insured person's employment ends within sixty (60) days of the commencement date.
7. Any self-employed persons or if the insured person works for a relative.
8. Any construction worker, restaurant or fast food or catering worker including but not limited to cook, waiter/waitress and kitchen worker, container truck or truck driver.

Exclusions applicable to Section 6

No service will be provided or paid under this section:

1. When the insured person is located in areas which represent war risks or political conditions such as to make the provision of services under this section impossible or reasonably impracticable.
2. For emergency medical evacuation or repatriation of the insured person's mortal remains or other cost which are not approved in advance by us and in writing to and/or not arranged by Zurich Emergency Assistance. This exclusion shall not apply to emergency medical evacuation from remote or primitive areas where Zurich Emergency Assistance cannot be contacted in advance and delay might reasonably be expected to result in loss of life or extreme prejudice to the insured person's prospect.
3. When the insured person is residing or travelling outside Hong Kong contrary to the advice of a medical practitioner.
4. When the insured person is residing or travelling outside Hong Kong for the purpose of obtaining medical treatment or for rest and recuperation following any prior accident or illness.

1. The above information is for reference only and does not constitute any part of the contract. For full terms and conditions of SafeGuard Personal Insurance Plan ("this Plan"), please refer to the policy document itself.
2. Zurich Insurance Company Ltd is the insurance underwriter of this Plan and is solely responsible for all approvals, coverage and compensations of this Plan.
3. The above information is provided by Zurich Insurance Company Ltd.
4. You are not required to purchase this Plan and you may choose to cover your insurance needs from other sources.
5. Zurich Insurance Company Ltd is not a subsidiary or an affiliate of Citibank (Hong Kong) Limited or Citibank, N.A. or Citigroup Inc.
6. Zurich Insurance Company Ltd is a company incorporated in Switzerland and its principal place of business in Hong Kong is at 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong.
7. Zurich Insurance Company Ltd reserves the final right of approval of this Plan.
8. Zurich Insurance Company Ltd is the authorized insurer in Hong Kong and this page is not intended to solicit business outside Hong Kong.
9. The life/ general insurance product mentioned above is not offered to individual resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man and United Kingdom. This page is not intended as a recommendation or an offer or solicitation for the purchase or sale of any of the insurance products to such individuals.

1. Citibank (Hong Kong) Limited, being registered with the Insurance Authority as a licensed insurance agency, acts as an appointed licensed insurance agent for Zurich Insurance Company LTD (the "Insurance Company").
2. Citibank (Hong Kong) Limited's role is limited to distributing insurance products of the Insurance Company only and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the provision of the products.
3. Insurance products are products and obligations of the Insurance Company and not of Citibank (Hong Kong) Limited. Insurance products are not bank deposits or obligations of, or guaranteed or insured by Citibank (Hong Kong) Limited,
   Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency.
4. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between you and Citibank (Hong Kong) Limited out of the selling process of any insurance product conducted by Citibank (Hong Kong) Limited as agent for Insurance Company or the processing of the related transaction, you may enter into a financial dispute resolution scheme process with Citibank (Hong Kong) Limited in accordance with the applicable rules in Hong Kong. However any dispute over the contractual terms of insurance products should be resolved directly between you and the Insurance Company.
5. All insurance applications are subject to Insurance Company's underwriting and acceptance.
6. The Insurance Company is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
7. Citibank (Hong Kong) Limited will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
8. You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
9. For any policy service enquiries, please contact the relevant licensed bank staff or the Insurance Company.
10. In case of any discrepancy between the English and Chinese versions of this document, the English version shall prevail.

From January 1, 2018, the Insurance Authority (IA) will start collecting a premium levy from policy holders of all new or in-force life insurance policies and general insurance policies. For further information, please visit www.ia.org.hk.