Golfers (Plus) Insurance

Enjoy Every Swing of Your Club With Complete Peace of Mind and Fun

Golfers (Plus) Insurance is a comprehensive insurance package specially designed for golf players. It protects you against accidental death or bodily injury, loss of or damage to golfing equipment and personal effects as well as third party legal liability that you may incur whilst playing or practicing golf in any recognized golf course or driving range in Hong Kong, Macau or anywhere in the world. It also offers a cash award if you score a “Hole-In-One” for celebrating such a memorable shot. Under this protection, you can focus on every swing of your club on the golf course achieving an excellent score.

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Protect your Golfing Equipment and Personal Effects
"Hole-In-One" Cash Award
24 Hours Worldwide Emergency Assistance Service

Summary of Coverage (All benefit limits and premium are in HK dollars)

Section / Description of Coverage		Maximum Limit Per Year
1	Third Party Legal Liability Any claim against you in the event of your negligence causing third party bodily injury or property loss or damage whilst playing or practising golf in any recognized golf course or driving range.	$ 10,000,000
2	Golfing Equipment Cover Golfing Equipment belonging to you against any unforeseen, sudden, accidental physical loss or damage happening in any recognized golf course or driving range or in transit thereto or therefrom.	$ 20,000 ($3,000/item)
3	Personal Effects Cover Personal Effects belonging to you against any unforeseen, sudden, accidental physical loss or damage happening in any recognized golf course or driving range.	$ 10,000 ($1,000/item)
4	“A Hole-In-One” A lump sum cash for celebration of achieving “A Hole-In-One” at any recognized golf course with 18 holes or a total par of 68 or above.	$ 6,000
5	Personal Accident (a) A lump sum cash compensation in the event of accidental death or total and permanent loss of use of one or more eye(s) or limb(s) occurring within 12 consecutive months from the date of accident. (b) A weekly compensation in the event of temporary disablement caused by accident that entirely prevented you from engaging in or attending to your usual occupation or profession. (only applicable to the Insured Person who is aged 18 or above) whilst playing or practising golf in any recognized golf course or driving range. Extensions: (i) Funeral Cremation and Repatriation Expenses. (ii) Reimbursement of Golf Club Membership Monthly Service Fees due to temporary disablement caused by accident.	$ 500,000 (aged 18 or above) $ 200,000 (aged 12-17) $500/week (maximum 104 weeks) $20,000 $5,000 per disability
6	Hospital Cash Benefit A daily cash benefit starting from the first day of confinement if you are hospitalized for medical treatment as a result of bodily injury caused by an accident whilst playing or practising golf in any recognized golf course or driving range subject to a minimum hospital confinement of 3 consecutive days.	$20,000 ($500/day)
7	Medical Expenses Due to Accident The reimbursement of actual medical expenses including hospital charges and surgery fees as a result of bodily injury caused by accident whilst playing or practising golf in any recognized golf course or driving range occurring within 12 consecutive months from the date of accident.	$10,000
8	Dental Treatment The reimbursement of actual dental treatment expenses as a result of accidental injury caused by a direct hit by a golf ball or golf club whilst playing or practicing gold in any recognized golf course or driving range.	$5,000

Free Extra Benefits

Worldwide Emergency Assistance Service
With the comprehensive Worldwide Emergency Assistant Service provided by Inter Partner Assistance Hong Kong Limited, you are always well protected against bodily injury due to accident while travelling outside Hong Kong.
(a)	Emergency Assistance Hotline Including Medical Advice, Evaluation, Referral Medical Appointment and Monitoring, Arrangement of Delivery of Essential Medication/Medical Equipment, Travel Information, Luggage Retrieval, Emergency Rerouting Arrangements, Assistance on Loss of Travelling Document and Legal Referral.
(b)	Emergency Medical Assistance Services	Maximum Limit (HK$)
(b)	(i) Medical Evacuation (ii) Repatriation After Treatment (iii) Repatriation of Mortal Remains /Ashes (iv) Compassionate Visit by a relative or designated person if the Insured Person is confined in overseas hospital for more than 10 consecutive days (v) Return of Unattended Dependent Child(ren) to HK (vi) Deposit Guaranteeing of Hospital Admission (vii) Hotel Room Accommodation for Convalescence (viii) Unexpected Return of the Country of Residence (ix) Dispatch of Physician	Unlimited Cover Unlimited Cover Unlimited Cover A scheduled round-trip airline ticket (economy class) and ordinary hotel room accommodation up to HKD1,200 per day, max. 5 days Scheduled airline ticket(s) (economy class) Maximum HKD 80,000 HKD1,200 per day, Max. 5 days A scheduled airline ticket (economy class) -

Excess (in respect of each and every claim)

- Sections 2 & 3: HKD250

- Other Sections: Nil

Annual Premium : HKD800

Eligibility

The Insured Person must be a legal resident holding a valid Hong Kong Identity Card and normally residing in Hong Kong aged between 12 and 65 (not being a professional golfer) on the first commencement date of the insurance, and renewable up to the age of 70.

Automatic Renewal of Policy

In order to offer you a continuous coverage in a simple way, this insurance policy will be automatically renewed at the end of each policy year if :

No notice of amendment to the renewal terms and conditions is sent to you prior to the expiry date of your existing policy, and
You have authorized us to directly debit to your CMB Wing Lung Bank Account or CMB Wing Lung Credit Card or other credit card for the premium of next renewal policy period.

1.	Wear and tear, mildew, corrosion, denting, scratching, mechanical or electrical breakdown
2.	Loss of or damage to contact lenses, mobile phones, watches, jewellery, furs and money
3.	Loss of or damage to golf balls whilst in play
4.	Mysterious disappearance or unexplained loss
5.	Loss or damage due to war, civil commotion and terrorism
6.	Loss or damage due to nuclear, radiations, seepage, pollution and contamination
7.	No compensation shall be payable under Section 5 (Personal Accident) if the Insured Person is under 12 or over 70 years of age.
8.	Certain excess applies to some of the sections

Please refer to the policy for detailed exclusions.

Important Notes to Proposer
1.	This leaflet is simply a general summary for your reference and information only. For details, please refer to the insurance policy.
2.	In case of discrepancies between the English and Chinese versions, the English version shall prevail.

Remarks: The information above provides a brief introduction only. Please refer to the insurance policy for Terms and Conditions and other specific details. In the event of any discrepancy or inconsistency between the English version and the Chinese version of this Terms and Conditions, the English version shall prevail.