1.

The premium discount offer is applicable to successful enrolment in a Single Trip Cover via the following designated enrolment methods during the Promotion Period:

Enrolment Methods	First-time Successful Enrolment Customer^	Selected Customer#
• Mobile Enrolment Channel (use Smartphone to log in Hang Seng Personal e-Banking)	30% premium discount
• Hang Seng Personal e-Banking	20% premium discount	25% premium discount
• hangseng.com
• 24-hour Enrolment Hotline
• Hang Seng Credit Card Customer Service Hotline

^ First-time Successful Enrolment Customers refer to customers who have not successfully enrolled in the Travelsure Protection Plan Single Trip Cover in the capacity of the policyholder in the past 24 months.
# Selected customers refer to customers who have successfully enrolled in the Travelsure Protection Plan Single Trip Cover in the capacity of the policyholder in the past 24 months and will be entitled to an additional “Loyalty Reward” premium discount of 5% (i.e. 25% premium discount in total) if they successfully enrol in a Single Trip Cover again via hangseng.com, Hang Seng Personal e-Banking, 24-hour Enrolment Hotline or Hang Seng Credit Card Customer Service Hotline during the Promotion Period.

2.

The premium is calculated based on the personal Annual Global Cover (Original premium: HKD1,450)

3.

Only applicable for Travelsure Protection Plan - Annual Global Cover and Single Trip Cover – Area 2 (including Mainland China, Bangladesh, Brunei, Cambodia, Guam, India, Indonesia, Japan, Korea, Laos, Macau SAR, Malaysia, Mongolia, Myanmar, Nepal, Pakistan, Philippines, Saipan, Singapore, Taiwan, Thailand, Tinian and Vietnam) and Area 3 (refers to  Worldwide). For an Insured person who aged 70 or above (the day of injury), the maximum amount for the benefits of Medical and Other Expenses and Personal Accident will be limited to 50%. If the bodily injury or death of the Insured Person is caused by engaging in winter sports or underwater activities, the maximum amount for the benefits of Medical and Other Expenses and Personal Accident will be limited to HKD300,000 respectively. For an Insured Person who aged under 18 (the day of death), the accidental death benefit will be limited to HKD100,000.

4.

Coverage under Travelsure Protection Plan has been extended in line with the Outbound Travel Alert (OTA) System to include Full Refund of Premium for Policy Termination Before the Trip (for Single Trip Cover) due to an Outbound Travel Alert issued against the country of destination, Reimbursement of Irrecoverable Pre-paid Travel-related Payments (for Black Outbound Travel Alert only) or Additional Travel-related Costs due to Re-Routing (for Black Outbound Travel Alert only).

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The promotion period is from 27 April 2013 to 31 December 2013 ("Promotion Period").

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No premium will be refunded upon the cancellation of a Single Trip Cover Policy. For the cancellation of an Annual Global Cover or Annual China Cover Policy, policyholders shall receive a refund from QBE General Insurance (Hong Kong) Limited of the unexpired portion of the premium for the period of insurance, subject to a maximum of 50% of the annual premium paid.

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Hang Seng Bank Limited and QBE General Insurance (Hong Kong) Limited reserve the right to amend or terminate the terms and conditions for the relevant promotion offers without prior notice to customers. In case of any disputes, the decision of Hang Seng Bank Limited and QBE General Insurance (Hong Kong) Limited shall be final.

The above information is intended as a general summary of information for reference only. Please refer to the English version of policies for the plan coverage, exact terms and conditions and exclusions.

The Travelsure Protection Plan is underwritten by QBE General Insurance (Hong Kong) Limited which is authorized and regulated by the Commissioner of Insurance of the HKSAR. Hang Seng Bank Limited is an insurance agent authorized by QBE General Insurance (Hong Kong) Limited.