General Exclusions
- Injury or illness sustained whilst the insured person is engaging in any of the activities described herein below:
a) any sports activities in relation to competition, unless otherwise specified in the policy schedule;
b) any sports activities at an altitude limit greater than 5,000 metres above sea level; or
c) any sports activities specifically in relation to the specialization of the insured person as an Athlete of the Covered Sports (applicable to Basic Plan and Advance Plan only).
- Injury or illness arising from or contributed to by:
a) intentional self-inflicted injury, attempted suicide or suicide (while sane or insane);
b) the taking of any drug unless it is proved that the drug was taken in accordance with the proper prescription of a physician and not for the treatment of drug addiction;
c) insured person's failure to observe the rules or regulations governing the sports activity concerned;
d) participation by the insured person in any non-competition event that is not performed at pedestrian walkway (for Marathon and Long Running), coast and river (for Rowing Boats and Windsurfing), area of swimming attended by lifeguards (for Swimming), hiking trial (for Hiking and Orienteering) and cycle track (for Outdoor Cycling) and any recognized and authorised sports facilities, including but not limited to any stadiums, fitness centres, club houses, etc. which:
i) a) is managed by the local government or locally registered clubs; or
b) fall within the racing route of the designated competition that the insured person will participate in;
ii) is specially designed for conducting the designated Covered Sports;
iii) does not contain any warning sign; and
iv) is attended by trained staff or coach (if required);
e) pregnancy or childbirth;
f) intoxication;
g) any consequence of war, (whether war be declared or not), invasion, act of foreign enemy, terrorism, civil war, rebellion, revolution or military or usurped power;
h) nuclear fission, nuclear fusion or radioactive contamination, whether arising directly or indirectly;
i) service in any armed force of a country;
j) involvement in any criminal activities other than as a proved victim or a bystander;
k) any willful, malicious, unlawful or deliberate act of the policyholder and/or insured person;
l) insanity; or
m) pre-existing condition.
Exclusions Applicable to Specific BenefitsSports Injury Benefit
- Coma
Coma resulting directly from self-inflicted Injury, alcohol, drug misuse or medically induced.
- Sudden Death due to Unknown Congenital Heart Defect
Sudden death due to congenital heart defect which has manifested signs or symptoms of which the insured person is aware or should have reasonably been aware of before the commencement date of the period of insurance (applicable to Basic Plan and Advance Plan) or the first period of insurance (applicable to Annual Plan).
- Ligament Tear or Tendon Rupture
a) Acute or chronic tendinopathy, calcaneal bursitis and/or calcaneal apophysitis;
b) Rupture due to pre-existing tendonitis; or
c) Rupture due to systemic Illness
- Bone Fracture
a) Fractures in the presence of underlying condition of osteoporosis, osteomalacia, bone tumours;
b) Fractures described in radiologist report as fatigue, stress, hairline, avulsion/chips or micro-fractures; or
c) Fracture at the same site of a prior fracture in previous medical history.
Accidental Medical Expenses
a) Any expenses related to additional cost of a single or private room at Hospital or charges in respect of special or private nursing; wheelchair, crutch or any other similar equipments;
b) Any expenses related to cosmetic surgery, reconstructive surgery, apparatus to correct visual acuity or refractive error, contact lenses, glasses or hearing aids, prosthesis, and medical equipment, appliances and accessories.
c) Any expenses related to psychiatric, psychological disorder, mental or nervous disorders (including any related primary/basic signs and symptoms), other than the counselling services covered by the “Trauma Counselling” benefit;
d) Any expenses related to a treatment or service undertaken without the recommendation or referral from a physician if required;
e) Routine physical examinations or health check-ups not incidental to the treatment or diagnosis of a suspected injury covered by this policy and occurring or arising during the period of insurance;
f) Any expenses incurred for procurement or use of convalescence, custodial or rest cure or special nursing care;
g) Any Chinese medicine treatment other than bone-setting and acupuncture treatment; or
h) Any medical expenses incurred after 12 calendar months from the date of the accident.
Important Notes
- Once the policy is issued, it is non-cancellable and no premium refund will be made (except for the Annual Plan). Policy of Annual Plan may be cancelled at any time by the policyholder by giving no less than 7 days’ prior written notice to Blue Cross. Provided that no claim has been made during the period of insurance, the policyholder shall be entitled to a partial refund of premium equivalent to the actual premium paid for that period of insurance less the premium to be charged (subject to the minimum premium per policy as specified in the policy schedule) as calculated at Blue Cross’ short period rates (as specified in the policy terms and conditions) for the period of insurance in force.
- To designate a beneficiary, please complete the beneficiary designation form. The form can be obtained from Blue Cross or downloaded from the website of The Bank of East Asia, Limited (“BEA”). The insured person should return the completed form to Blue Cross before the policy effective date.
- During the period of insurance and upon the application of each renewal of this policy, the policyholder shall give immediate notice to Blue Cross if the occupation of the insured person has been changed to Athlete of the Covered Sports.
- Blue Cross reserves the right to adjust the premium rate applicable from time to time.
Claim Procedure
- Within 14 days after the occurrence of any event likely to give rise to a claim, customers can submit their claims to Blue Cross via the Smart eClaims online platform on Blue Cross HK App or Blue Cross website by returning claim forms together with the required documents, such as reports from hospitals, physicians, police, or other responsible authorities (if applicable) as well as other satisfactory proof and complete supporting information. The claim payment will be settled via autopay. Alternatively, customers can file their claims by post or in person. Claim form can be obtained from Blue Cross or downloaded from the BEA website.
- For the claims under Section III - Personal Liability, a written immediate notice of the event giving rise to the legal liability on the part of the insured person, together with the required supporting documents, must be given to Blue Cross.
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.
