Venhouse

A comprehensive product covering personal accident, hospitalization and hospital cash benefits.

Description of Benefits	Maximum Limits (HK$) (subject to sub-limits where applicable)
Description of Benefits	Regent	Deluxe	Supreme
1. Personal Accident Provides cover for Death or Permanent Total Disablement due to accident	$1,000,000	$500,000	$300,000
2. Overseas Medical and Other Expenses Covers medical, hospital and the other related expenses necessarily incurred as a result of accidental injury and emergency sickness whilst overseas Medical Expenses Emergency Dental Medical Emergency Evacuation Medically Supervised Repatriation Hospital Admission Deposit Guarantee Compass Visit Return of the Unattended Dependent Child(ren) Repatriation of Mortal Remains	$800,000	$500,000	$200,000
	Emergency services under Sections 2.3 to 2.8 will have to be volidated and arranged by the alarm centres world wide of Inter Partner Assistance (IPA)through CMI's 24-Hour Hotline
3. Private Nurse Pays the cost of hiring a private nurse if hospitalized due to accidental injury or sickness and at the request of the attending doctor	$5,000	$3,000	$1,500;
4. Hospital Cash Benefit Offers cash benefit if hospitalized while abroad as a result of accidental injury or sickness	$5,000 $250/day	$3,000 $250/day	$1,500 $250/day
5. Personal Legal Liability Provides indemnity to the Insured for legal liability to a third party in respect of bodily injury or property damage while abroad	$3,000,000	$2,000,000	$1,000,000
6. Deposits & Cancellation Charges Pays for the loss of travel expenses paid but not recoverable upon trip cancellation arising from sudden death or serious injury or serious sickness of the Insured or the Insured's relatives	$30,000	$20,000	$10,000
7. Curtailment Expenses Pays for the loss of travel expenses paid but not recoverable upon the Insured having to cut short the trip following serious injury or serious sickness and that of the Insured's relatives.	$30,000	$20,000	$10,000
8. Baggage & Personal Effects Covers the accidental loss of or damage to accompanied baggage and personal items including purchases mode during the trip	$20,000	$10,000	$5,000
	Max. $2,000 per item
9. Personal Money Covers the loss of or damage to money during the trip	$3,000	$2,000	$1,000
10. Travel Documents Pays the expenses for replacing passport or travel documents lost, stolen or damaged during the trip	$3,000	$2,000	$1,000
11. Baggage Delay Reimburses the emergency purchases of essential toiletries and clothing if the baggage is delayed for more than 8 consecutive hours at the destination.	$1,500	$1,000	$500
12. Travel Delay Pays up to HK$300 allowance for every 8 conscutive hours of departure delay in the event of bad weather, natural disoster or mechanical breakdown of the aircaft and sea vessel	$3,000 $300/ 8 Hours	$2,000 $200/ 8 Hours	$1,000 $100/ 8 Hours
13. Aircraft Hijack Pays up to HK$1,000 allowance for every 24 consecutive hours of trip interruption as a result of aircraft hijack	$5,000 $1000/ 24 Hours	$3,000 $750/ 24 Hours	$1,500 $500/ 24 Hours

Excess Free

No policy excess to be applied for all basic benefits.

Emergency Dental Cover

Reimbursement of up to HK$10,000 for emergency dental treatment required to restore sound natural teeth lost or damaged in an accident or to resolve acute, spontaneous and unexpected onset of pain

New-for-Old Cover for Baggage & Personal Effects

No deduction for wear and tear or depreciation for properties that are not more that 1 year old at time of accident.

Free 24 Hour Worldwide Assistance Service

Call CMI's 24 hour hotline for pre-trip information or for emergency assistance whenever you need it and wherever you are in the world.

Adventure, Winter and Water Sports Cover

Amateur activities such as bungee jumping, parachuting, rock climbing, horse riding, skiing, ice skating, water skiing, rafting, sailing, windsurfing and scuba diving are covered up to 100% of the limits selected at no extra premium.

Terrorism Extension for Personal Accident

Extended cover for Personal Accident claims caused by act of terrorism.

China Medpass Benefits (Free with Annual Policy)

China Medpass holders can have guaranteed admission to over 170 recognized network hospitals in China for medical emergency.

Bussiness Traveller Cover (Optional Cover for Annual Policy)

For an additional premium of HK$500 per year, business travellers enjoy not only a more comprehensive protection but a total peace of mine!

Benefits Under Business Traveller cover	Maximum Limits
1. Business Equipment Pays for the accidental loss of or damage to business equipment and sample	HK$20,00
2. Business Equipment Delay Reimburses the emergency purchases or hire of business equipment in case the accompanied equipment is delayed for more than 12 consecutive hours	HK$5,000
3. Business Money Covers the loss or theft or damage to business money during the trip	HK$3,000
4. Employee Replacement Pays for the necessary travel expenses in sending a substitute person to complete the business task following the death or hospital confinement (not less that 7 consecutive days) of the Insured	HK$10,000