China Merchants Insurance Co., Ltd. ("CMI"), a wholly owned subsidiary of the Cnino Merc;nants Group, was formed in Hong Kong in 1988. Relying on the long established reputation and financial strength of the Group. CM1 is engaged in providing a wide range of quality general insurance services, such as properly insurance, liability insurance, cargo transportation insurance, accident insurance, etc. to both commercial and personal dents in Hong Kong_ With years of endeavour and service excellence. CMI has successfully obtained the 1SO certificate in 1999. Civil's business philosophy is to provide general insurance service of the highest possible quality to its (r.,:enis to achieve lotal satisfaction. China Merchants Group ("The Group"), being one of the "Top Four Chinese Enterprises" in Hong Kong and a forerunner in the development of the notional industry and commerce in China, was established in 1872. In its corporate history of over 140 years, the Group has built the first Chinese merchant feet, established the first Chinese insurance company, participated in the setting up of the first Chinese bank and has played important roles in many other industries in the modern history of China. Today, the Group has emerged as a solid and strong conglomerate with businesses spanning China Hong Kong, South East Asia and many other regions with economic ,r - ..\.,otential The Group's main businesses cover three core sectors of Transport (ports, roads, energy shipping, logistics. ship-repairing, marine engineering), Finance (banks. securitiE.-,s, funds. insurances), as well as Property (zone development, real estate). In recent years. the excellent business performance of the Group and many of its public listed subsidiaries, such as China Merchants Holding (International). China Merchants Bank, China Merchants Securities. China Merchants Direct Investment, China Merchants Property Development, etc. has attracted social admiration By the end of 2014, the Group reports a gross asset value of RMB624 1 billion and RMB5,350 billion as assets under its management. #130RaftPliiig) ( "MORE" ) 7,AERt L0 1 9A1 3f1 , 1988 BiAzAh - IS - i_ gidIRRAWMfg3M'9E.Vilteliffri'At NIMII4aa • IffaIR • Witafial* • SM•aft4MA-RilflAffg—likaRAS #N RtaR—HEM-R-A141VAIEWIRTMAT , AM 1999 *AVM ISO 4017APICARIENn—NaRES 'AMOR* Pit,4TAIngtMf MORON ("tor )aca "ntitilbt.M" P.MW 872* , RiATOMP/A 140 ft** , SCA %-01181W , cl=ilffl M—Vgl a/ 1 .,\11 , MAT ctIEZ—Vier - tr-4- 8t4MOig AgMfOtikcita_tA2RittlAti.ff9.1BA iNX EM—{111Stag a'gru-tritJ/kMMINI gkflifiRcP RI • tl • 31IMKRAlth,AtiiMatil'Ati, Ki XL'Mtl5Mgrib'A (AEI • OA • AMPAR4 1 050. • SIER.' 5-1T f) • iTit OPT - • a* • • ) • Sit& (A - roott • titXRE)4E-t 4' , C,AX ff* WalEzifVF ,' - WATolciEgNit,PELA'.9144E0.. tw* -mnxta IE-- ro.gowtmia MANE • E NWT • IMMO • IERMr4 1 1E14 • Mita4 Ma 2014'*rgmoR *Lei ImtflaALIVI 6,241 ftfc WitligRaARM 53,5000,y - 1 a CHINA MERCHANTS INSURANCE COMPANY LIMITED Suites 2303-04, 23/F., South Island Place 1 0 5 A5 8 Wong Chuk Hang Road, Hong Kong Tel : (852) 2890 5940 CHINA MERCHANTS GROUP Fax: (852) 2576 2292 Website: www.cm-insurance.com Wisdom 00 OgRE Levy collected by the Insurance Authority will be imposed on this policy at the applicable rate. For further information, please visit our website www.cm-insurance.com or contact us at (852) 2890 5940. 11 MIP31414111g* re , i* IMA lit 112 ill It IA T.1 VI * EJ* A www.cm- insurance.comaRit(852) 2890 59401AIRMAP Foreign Omsk Helper Package Insurance CHINA MERCHANTS INSURANCE COMPANY LIMITED A Member of China Merchants Group mgmx Since 1872 DMH -1215
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China Merchants Insurance Co., Ltd. ("CMI"), a wholly owned subsidiaryof the Cnino Merc;nants Group, was formed in Hong Kong in 1988. Relyingon the long established reputation and financial strength of the Group. CM1is engaged in providing a wide range of quality general insurance services,such as properly insurance, liability insurance, cargo transportationinsurance, accident insurance, etc. to both commercial and personaldents in Hong Kong_ With years of endeavour and service excellence. CMIhas successfully obtained the 1SO certificate in 1999. Civil's businessphilosophy is to provide general insurance service of the highest possiblequality to its (r.,:enis to achieve lotal satisfaction.
China Merchants Group ("The Group"), being one of the "Top FourChinese Enterprises" in Hong Kong and a forerunner in the development ofthe notional industry and commerce in China, was established in 1872.In its corporate history of over 140 years, the Group has built the firstChinese merchant feet, established the first Chinese insurance company,participated in the setting up of the first Chinese bank and has playedimportant roles in many other industries in the modern history of China.Today, the Group has emerged as a solid and strong conglomeratewith businesses spanning China Hong Kong, South East Asia and manyother regions with economic ,r-..\.,otential The Group's main businesses coverthree core sectors of Transport (ports, roads, energy shipping, logistics.ship-repairing, marine engineering), Finance (banks. securitiE.-,s, funds.insurances), as well as Property (zone development, real estate). In recentyears. the excellent business performance of the Group and many of itspublic listed subsidiaries, such as China Merchants Holding (International).China Merchants Bank, China Merchants Securities. China MerchantsDirect Investment, China Merchants Property Development, etc. hasattracted social admiration By the end of 2014, the Group reports a grossasset value of RMB624 1 billion and RMB5,350 billion as assets under itsmanagement.
tw*-mnxta IE--ro.gowtmia MANE • ENWT • IMMO • IERMr411E14 • Mita4 Ma 2014'*rgmoR*Lei ImtflaALIVI 6,241 ftfc WitligRaARM 53,5000,y-1 a
CHINA MERCHANTS INSURANCE COMPANY LIMITEDSuites 2303-04, 23/F., South Island Place
105 A5 8 Wong Chuk Hang Road, Hong KongTel : (852) 2890 5940
CHINA MERCHANTS GROUP Fax: (852) 2576 2292Website: www.cm-insurance.com
Wisdom00 OgRE
Levy collected by the Insurance Authority will be imposed onthis policy at the applicable rate. For further information,please visit our website www.cm-insurance.com or contactus at (852) 2890 5940. 11 MIP31414111g*re,i* IMA lit 112 ill It IA T.1 VI * EJ* Awww.cm-insurance.comaRit(852) 2890 59401AIRMAP
Foreign Omsk Helper Package Insurance
CHINA MERCHANTS INSURANCE COMPANY LIMITEDA Member of China Merchants Group mgmx
The Wisdom Series' Foreign Domestic Helper Package Insurance is a comprehensive insurance package providing extensive protection for you as anemployer and your domestic helper with different benefits that suit your specific needs.
Basic Cover. Employer's Liability
Indemnify you against your legal liability as an employer under the Employees' Compensation Ordinance and at Common Law
Maximum Limits (HK$) rPlan . Az.; - Plan 2 .
$100000,000 any one event,
. Hospitalisation and Surgical ExpensesReimburse the medical expenses necessarily and reasonably incurred in the event your Domestic Helper is confined to a 1-lospital forsurgery or treatment of sickness or Injury resulting from an accidenta. Room, board and other miscellaneous hospital chargesb. Surgical operation expenses
S35,000/year
$300/day$1 5,000/operation
$25,000/year
$300/day$12,000/operation
. Clinical ExpensesReimburse the medical expenses necessarily and reasonably incurred for consultation and treatment of sickness or Injury of yourDomestic Helper from a clinica. Out- patient expensesb. Bonesetters' Fees and/or physiotherapist treatment expenses (referred by Qualified Medical Practitioner)
$4,000/year
$200/visit/day$100/visit/day; $500/year
$3,000/year
$1 50/visit/day$1 00/visit/day; $500/year
. Dental ExpensesReimburse two-thirds of the emergency dental treatment expenses necessarily and reasonably incurred for oral surgery, treatment ofabscesses, extractions or fillings of your Domestic Helper by a legally qualified and registered dentist as a result of dental disease
$2,000/year $1 ,500/year
. Personal AccidentCompensate for death or permanent disablement of your Domestic Helper during rest days, resulting directly and solely from an Accidentoccurring within Hong Kong
$150,000/year $100,000/year
. Repatriation ExpensesIndemnify you for your contractual liability to repatriate your Domestic Helper to her home country before the expiry of her employment contract.a. the actual cost of returning the remains in case of deathb. the economy class airfare from Hong Kong to the home country
$25000/year, 15 000/,
. Loss of Services Cash Subsidy$6,000/yearSubsidise you the expenses in hiring a temporary domestic helper commencing from the fourth day for loss of services if your DomesticHelper is hospitalised as an in - patient for treatment or surgery for a period of three (3) consecutive days or more $200/day
S6,000/year
$200/day
. Re-hiring ExpensesReimburse the re-hiring expenses necessarily and reasonably incurred in hiring a replacement comestic helper in the event that theDomestic Helper is repatriated
$10,000/year $5,000/year
9. Fidelity ProtectionIndemnify you in respect of any actual pecuniary loss directly resulting from the act of fraud or dishonesy committed by your Domestic Helper $10,000/year $5,000/year
10. Personal LiabilityIndemnify you against your legal liability to third party resulting from the negligent acts or omissions of your Domestic Helper in performingher contractual duties
$200,000/year Not Applicable
11. Replacement of LockReimburse the actual expenses necessarily and reasonably incurred for replacement of docr lock following termination of theemployment contract due to fraud or dishonesty of your Domestic Helper
S500/year Not Applicable
12. Medical Expenses due to Abuse of Family MemberReimburse the medical expenses necessarily and reasonably incurred for consultation and treatment of Injury of your Family Membercaused by the intentional malicious act of your Domestic Helper in Hong Kong
13. Cancer and Heart Disease Supplementary Benefita. Hospital Top -Up Benefit
Section 2 for surgery or treatment of
consultation, diagnosis, examination,or imaging centre.
Maximum LimitsPlan 1 ,:.,.
$65,000/year
$65,000/year
$5,000/year
$100,000/year
(HK$)Plan 2.
S25,000/year
$25,000/year
$2,500/year
S50,000/year
Reimburse the medical expenses necessarily incurred in excess of the amount payable undercancer and/or heart disease of your Domestic Helper
b. Special Medical Test and Treatment ExpensesReimburse the medical expenses necessarily incurred in Hong Kong by your Domestic Helper to'or treatment of cancer and/or heart disease received in a Hospital (not hospitalized), medical laboratory
Aggregate Limit for Section 2 and Section 13
Important Notes 11 This insurance is available only for foreign domestic helpers who are employed under an Employment Contract as governed by the mmigration Ordinance (Chapter 1151, of the laws of the HKSAF1.21 The above plans are not applicable for doula (pui wet) or domestic helper that needs to perform gardening or driving duties or have annual income exceeding HK$100,000. If you need to insure these helpers, please refer to the company for deta's31 This brochure provides a brief introduction only. Please refer to the insurance policy for detailed terms and conditions, a specimen of which is available on request.
Employees' Compensation Insurance Plan OF011faigtlfttEl
Apart from the above package insurance cover, we also provide basic Employees Compensation insurance plan that is needed to meet your legal responsibilities as an employer. This plan is particularly suitablefor those who employ part-time domestic helper. The annual premium just costs HK$300.WbitOltalitAttil91, Itir13)4AAVIDR.Zilki&YFRAVRItgailtirl • L'AgliCRIM*110Tal-tICEE iltititEMMIEIMIRTIPIKittlIMRIALTS± ViTIgNRMA 3005E 0
(except Employer's Liability), pie- existing conditions, sexually transmitted diseases, AIDS, suicide (except Repatriationmental or nervous disorder, alcoholism or drug addiction.
War, act of terrorism, accident or sickness sustained Or contracted outside Hong KongExpenses and Re -hiring Expenses), intentional self -injury, pregnancy, miscarriage, childbirth,Special Exceptions Applicable To Individual Sections
Section 1 — Employer's Liability Pneumoconiosis, nuclear hazards or any late payment surcharge that the employers may become liable under orindependently of the Employees' Compensation Ordinance.
Section 2 — Hospitalisation and Surgical ExpensesSection 3 — Clinical ExpensesSection 7 - Loss of Service Cash SubsidySection 13 - Cancer and Heart Disease Supplementary Benefit
Cosmetic surgery (unless due to injury covered under this plan), routine physical examination, or any expensesincurred outside Hong Kong.
Section 5 — Personal AccidentAir travel (except as passenger in a licensed passenger carrying aircraft), mountaineering, rock climbing, underwateractivifies necessitating the use of breathing apparatus, motor cycling, racing (other than on foot or swimming),dangerous sports or activities.
Section 10 - Personal Liability Any willful or malicious act, criminal activities, food poisoning, any occurrence happened at the place of employmentor outside Hong Kong.
Age Limit 18 to 60 years old (renewable up to 65 years old).*M1311$11 18 60R(T0144g65M.) °
Waiting Period No benefits shall be payable under Sections 2, 3, 4, 7 and 13 during a 10 day waiting period from the inception date of insurance.:*-liff,l3LiglEIMEA-10411RIVP9'*Q.M.C.-_•E•Blstai-EMIgagf4g15&°
Premium* WM*Plan 1 • 1-1-11111 Plan 2 ttlE 2 Employees' Compensation Insurance Plan