| 1. |
How to claim for the benefit of
'Third Party Liability' which is incurred overseas? |
| |
The insured only has to fill in a claim form
and submit to "Hang Seng General Insurance" for claims processing. |
| 2. |
What is the definition of 'serious bodily injury'? |
| |
Total loss of sight of one or both eyes, loss
of one or both limbs or total permanent disablement
resulting in failure to take up any employment
or work. |
| 3. |
If the insured has also been insured in golfer
protection from another insurer, can he/she still
apply for Hang Seng "Golfer Insurance Plan"? |
| |
Yes. Except the coverage of personal accident,
the amount of other coverage will be limited to
any excess beyond the amount which would have
been payable under such other policy or policies. |
| 4. |
How should the insured apply for the 'Hole-in-One'
celebration expenses? Should he/she spend it at
the golf club-house? |
| |
Yes, the insured must produce the bills and
receipts for his/her spending at the golf club-house
together with the 'Hole- in-One' certificate and
deliver it to "Hang Seng General Insurance" for handling. |
| 5. |
Is there a territorial restriction on this
protection plan? |
| |
This plan shall be applicable to any golf course
or driving range approved by the local government
or golf associations all over the world. |
| 6. |
Is there any restriction on the age or occupation
of the insured under this plan? |
| |
The insured must be aged 18 or above but below
70. In addition, if the customer is a professional
golfer, he/she will not receive the protection
under this plan. |
| 7. |
What is the golfing equipment? Is there any
item not covered? |
| |
The equipment
includes the club, ball, ball bag, golf
cart and sun umbrella.
The items not covered are: |
 |
Any loss or damage caused
by theft in an unattended or unlocked vehicle;
natural wear and tear; depreciation, pest
bites or deterioration. |
|
Personal belongings. |
|
Golf balls not placed inside the ball
bag. |
|
| 8. |
What personal belongings mentioned in this protection
plan are excluded from coverage? |
| |
Personal belongings not covered include
|
Loss or damage to jewelry,
gold ornaments, silver ornaments and valuable
metal articles, watches, cameras, mobile
phones, cash, credit cards and all portable
electric appliances; |
|
Natural wear and tear; depreciation, pest
bites or deterioration. |
|