The Bank of East Asia

Sports Protection Insurance

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Hong Kong

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Underwritten by Blue Cross (Asia-Pacific) Insurance Limited

You may enjoy the bliss and thrill of sports. However, you can never predict when and where accidents will happen. That’s why you need a sports insurance plan giving you exclusive protection against any medical expenses or loss caused by the participation in sports.

The Sports Protection Insurance of Blue Cross (Asia-Pacific) Insurance Limited (“Blue Cross”) is tailored to give you total peace of mind when participating in your favourite sports. Whether you take part in sports for leisure, or compete in a race, you will be covered should an unfortunate event strike.

Plan Highlights

More than 30 types of Covered Sports¹, including various types of ball game, track & field, any type of yoga, dancing and fitness as well as the competitions² of Covered Sports held on sports day
3 levels of plan with various options to coverage details, period of insurance, and benefit limit
Apply for an Annual Plan to enjoy coverage extended to competitions of Covered Sports held outside Hong Kong
Exclusive coverage – includes Sport Injury, Accidental Medical Expenses, Personal Liability, Damage of Personal Sports Equipment, and injury/illness that happens during participation in sports activities, such as Exertional Heat Stroke, Cardiac Arrest, as well as coverage on Sudden Death due to Unknown Congenital Heart Defect
Sports Injury Benefit up to HK$500,000
Personal Liability coverage up to HK$2,000,000 (only applies to Annual Plan)
Receive a No Claims Discount of up to 15% if no claim has been made (only applies to Annual Plan)

Plan Information

Plan Level	Basic Plan	Advance Plan	Annual Plan
Period of Insurance	1 / 3 Days	1 / 3 / 120 Days	Annual
Coverage Area	Hong Kong		Hong Kong (extended to competitions of Covered Sports held outside Hong Kong)
Policy Currency	HKD
Applicant	Applicant must be aged 18 or above and a Hong Kong Identity Card holder
Insured Person	Insured person must be aged 10-65 and a Hong Kong Identity Card holder
Policy Renewal	Not Applicable		To age 70 of the insured person³
No Claim Discount⁴	Not Applicable		Premium discount will be offered on the premium payable as soon as policy renewal, if no claim under the Annual Plan has been made during the respective no claim periods

Schedule of Benefits	Maximum Limit (HK$)	Introduction of Benefit
Plan Level	Basic Plan	Advance Plan	Annual Plan
Coverage for Covered Sports¹	Endnote¹
Coverage for Competition² of Covered Sports	Excluded	Included	Included⁵
I.Sports Injury Benefit
Sum Insured	250,000	500,000	500,000
(1)Personal Accident (Accidental Death & Permanent Disablement)⁶	250,000	500,000	500,000	Benefit will be payable according to the Table of Personal Accident (Accidental Death & Permanent Disablement) in Appendix 1 of this material in the event that an accident during the period of insurance results in death or permanent disablement of the insured person within 12 calendar months from the date of accident.
(2)Coma	Not Applicable	100% of Sum Insured	100% of Sum Insured	The coma must be confirmed by a physician in the appropriate medical specialty, and supported by evidence of all of the following: a)No response to external stimuli for at least 48 consecutive hours; and b)Life support measures are necessary to sustain life.
(3)Sudden Death due to Unknown Congenital Heart Defect	50% of Sum Insured	50% of Sum Insured	The diagnosis must be supported by the evidence of an unknown congenital heart defect diagnosed by a physician in a cardiologist report.
(4)Exertional Heat Stroke	10,000	10,000	The Exertional Heat Stroke requires hospital confinement for a minimum of 24 consecutive hours. The diagnosis must be supported by evidence of all of the following: a)Body temperature is recorded as 105 °F (40.5 °C) or higher; b)Altered mental state with signs of either disorientation, irrational behavior, agitation, confusion, seizure or coma; and c)Diagnosis of exertional heat stroke by a physician.
(5)Cardiac Arrest	50% of Sum Insured	50% of Sum Insured	Cardiac Arrest refers to an absent or inadequate contraction of the left ventricle of the heart that immediately causes body-wide circulatory failure. Diagnosis of cardiac arrest must be confirmed by a physician in the appropriate medical specialty or who is a cardiologist.
(6)Ligament Tear or Tendon Rupture	10,000	10,000	Upon the first time diagnosis made by an orthopedic surgeon and provides the following medical necessary treatment: (i)Surgical intervention actually performed within 30 days of diagnosis; or (ii)non-surgical methods for a period of more than 30 days. All of the following conditions must be met: a)Diagnosis of ligament tear or tendon rupture must be supported by imaging evidence; and b)Either onsite emergency medical treatment is received by the insured person during the participation in Covered Sport, or the insured person is confined or treated for such condition as an outpatient within 24 hours immediately following the participation in Covered Sport.
(7)Bone Fracture⁷	10,000	10,000	Upon the first time diagnosis made by an orthopedic surgeon and provides the following medical necessary treatment: (i)open surgery; or (ii)non-surgical methods. All of the following conditions must be met: a)Diagnosis of bone fracture must be supported by imaging evidence; and b)Either onsite emergency medical treatment is received by the insured person during the participation, or the insured person is confined or treated for such condition as an outpatient within 24 hours immediately following the participation. Bone fracture covers the following sites and bones only: ankle, fibula, tibia, femur, patella, pelvis (ilium, ischium and pubis), vertebra, ribs, sternum, wrist (Scaphoid, trapezium, trapezoid, capitate, hamate, pisiform, triquetrum and lunate), ulna, radius, humerus, scapula, clavicle, facial (mandible, maxilla, inferior nasal concha, lacrimal, nasal, palatine, zygomatic and vomer) and skull.
(8)First Time Dislocation⁷	3,000	3,000	The dislocation must be confirmed upon the first time diagnosis made by an orthopedic surgeon. All of the following conditions must be met: a)No bone fracture is suffered on the same sites and bones before the Accident; b)Diagnosis of dislocation of joint must be supported by imaging evidence; and c)Either onsite emergency medical treatment is received by the insured person during the participation in Covered Sport, or the insured person is confined or treated for such condition as an outpatient within 24 hours immediately following the participation in Covered Sport. First time dislocation covers the following sites and bones only: spine, hip, knee, wrist, elbow, ankle, shoulder blade.
II.Accidental Medical Expenses (per period of insurance)	Not Applicable	10,000	Reimbursement of eligible expenses for the hospital confinement, including surgery, ambulance and paramedic services, diagnostic tests and prescribed medicines or drugs if the insured person sustains an injury during the participation of a Covered Sport in the period of insurance. The payable amount of the following extended benefits shall also reduce the maximum limit of Accidental Medical Expenses benefit.
(1)Trauma Counselling⁸	5,000	Reimbursement of the medically necessary expenses actually incurred on clinical counselling services rendered by a psychologist within 12 calendar months from the date of accident, subject to the separate maximum limit per payable claim of Personal Accident (Accidental Death & Permanent Disablement) as specified in the Schedule of Benefits if the insured person, in respect to an accident, is diagnosed as suffering from post-traumatic stress disorder by a physician as a direct result of permanent total disablement and is entitled to the Personal Accident (Accidental Death & Permanent Disablement) benefit.
(2) Outpatient Consultation 1 visit per day, limit per visit (Max. 10 visits per period of insurance)	500	Reimbursement of the medically necessary expenses if the insured person sustains an injury during the participation in Covered Sport. (Excess: HK$200) a)General Practitioner b)Physiotherapist⁸
(3) Acupuncture Limit per visit per day (Max. 6 visits per year)	300	Reimbursement of the necessarily and reasonably expenses incurred if the insured person sustains an injury during the participation in Covered Sport. Receipts from a licensed or registered acupuncturist is required.
(4) Chinese Bone-setting Limit per visit per day (Max. 6 visits per year)	200	Reimbursement of the necessarily and reasonably expenses incurred if the insured person sustains an injury during the participation in Covered Sport. Receipts from a Chinese medicine practitioner is required.
III.Personal Liability⁹ (per period of insurance)	2,000,000	The insured person should provide a written immediate notice of the event to Blue Cross giving rise to legal liability. The liability of Blue Cross shall not exceed the limit as stated in the Schedule of Benefits, including the costs. (Excess: HK$3,000)
IV.Damage of Personal Sports Equipment¹⁰ (per period of insurance)	10,000	The insured person shall be indemnified against physical breakage of the sports equipment personally owned by insured person as a result of exercise during participation in Covered Sport.
(Maximum limit per article / per pair / per set)	3,000

Plan Level	Basic Plan	Advance Plan	Annual Plan
Period of Insurance	1 Day	3 Days	1 Day	3 Days	120 Days	Annual
Premium (HK$)	$15	$35	$138	$300	$1,300	$2,500 Athletes¹¹ of Covered Sports¹: $8,750

Insured Event	Benefits Payable (Percentage of Sum Insured)
1	Accidental Death	100%
2	Permanent Disablement (2.1 to 2.18)
2.1	Permanent total disablement	100%
2.2	Permanent and incurable paralysis of all limbs	100%
2.3	Permanent total loss of sight of both eyes	100%
2.4	Permanent total loss of sight of one eye	50%
2.5	Loss of or permanent total loss of use of two limbs	100%
2.6	Loss of or permanent total loss of use of one limb	50%
2.7	Permanent total loss of speech and hearing	100%
2.8	Permanent total loss of hearing in
a)both ears	75%
b)one ear	15%
2.9	Permanent total loss of speech	50%
2.10	Permanent total loss of the lens of one eye	30%
2.11	Removal of the lower jaw by surgical operation	30%
2.12	Loss of or permanent total loss of use of thumb and four fingers of
a)right hand	70%
b)left hand	50%
2.13	Loss of or permanent total loss of use of four fingers of
a)right hand	40%
b)left hand	30%
2.14	Loss of or permanent total loss of use of one thumb as particularised below:
a)both right joints	30%
b)one right joint	15%
c)both left joints	20%
d)one left joint	10%
2.15	Loss of or permanent total loss of use of fingers as particularised below:
a)three right joints	10%
b)two right joints	7.5%
c)one right joint	5%
d)three left joints	7.5%
e)two left joints	5%
f)one left joint	2%
(In the event that the insured person is left-handed, the applicable percentages for left and right hands as shown in 2.12 to 2.15 shall be reversed.)
2.16	Loss of or permanent total loss of use of toes as particularised below:
a)all toes of one foot	15%
b)both joints of a great toe	5%
c)one joint of a great toe	3%
d)each toe other than a great toe	2%
2.17	Fractured leg or patella with established non-union	10%
2.18	Shortening of leg by at least 5 cm	7.5%

[ Product Leaflet ]

Blue Cross Customer Service Hotline 2839 6377

This webpage is for reference only. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions. Should there be any discrepancy between the English and the Chinese versions of this material, the English version shall apply and prevail. All insurance product information available on this website is not and shall not be construed as an offer to sell or a provision of insurance products to any person in any jurisdiction outside Hong Kong or a solicitation to such person to buy insurance products.

The insurance plan is underwritten by Blue Cross (Asia-Pacific) Insurance Limited (“Blue Cross”), a subsidiary of AIA Group Limited. The Bank of East Asia, Limited (“BEA”) is an appointed insurance agency of Blue Cross. The insurance plan is a product of Blue Cross but not BEA. All benefits payable under the insurance plan are subject to the credit risk of Blue Cross.

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 BEA and the customer out of the selling process or processing of the related transaction, BEA is required to enter into a Financial Dispute Resolution Scheme process with the customer.

BEA’s sales staff (including direct sales staff and authorised agents) are remunerated not only based on their financial performance, but also according to a range of other factors, including their adherence to best practices and their dedication to serving customers’ interests.

Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.

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Insurance, MPF & Trust

Sports Protection Insurance

Underwritten by Blue Cross (Asia-Pacific) Insurance Limited

Plan Highlights

Plan Information

Endnotes

Premium Table

General Exclusions

Exclusions Applicable to Specific Benefits

Sanctions Limitation and Exclusion Clause

Important Notes

Claim Procedure

Appendix 1: Table of Personal Accident (Accidental Death & Permanent Disablement)

Blue Cross Customer Service Hotline 2839 6377