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Sporticare Sports Protection

Protect against mishaps during exercise

If you are injured accidentally during your routine training, Sporticare can subsidize your medical costs.

Tailored for sport lovers, Sporticare provides protection while you are engaging in sports activities in Hong Kong. With a full year of protection at a cost of less than HKD 0.3 per day, you can focus on recovery and regain your passion for sports as soon as possible.

Features

  • covers 76 most common sports in Hong Kong including aquatics, land sports, ball games, martial arts, aerobic exercise, and even extreme sports.
  • HKD 100,000 accidental death or permanent disablement benefit
  • HKD 50,000 cardiac arrest or coma benefit per accident, up to one accident per year
  • HKD 10,000 (with surgery) or HKD 2,000 (without surgery) broken bone, ligament tear or tendon rupture benefit per accident, up to three accidents per year

Major exclusions

This policy does not cover:

  1. any accident occurred, or hospital confinement or out-patient consultation outside Hong Kong;
  2. participation by the insured person in any one of the sports listed in the Table of Covered Sports during the period of insurance against medical advice previously given by a medical practitioner or Chinese medicine bone-setter or acupuncturist (including advice given up to six (6) months prior to the date of application for this policy);
  3. engaging in a sport in a professional capacity or where the insured person would or could earn income or remuneration from engaging in such sport;
  4. non-essential medical treatment or any medical treatment for confinement that is not recommended by a medical practitioner;
  5. any hospital confinement for the purpose of rest and/or convalescence;
  6. any kinds of dental treatment whatsoever;
  7. any pre-existing condition or congenital condition;
  8. any kind of disease or sickness; or any loss caused by an injury which is a consequence of any kind of disease;
  9. cosmetic surgery, refractive errors of eyes or hearing-aids, and prescriptions therefor except necessitated by injury;
  10. suicide, attempted suicide or intentional self-injury, insanity, mental disorder of any kind, psychosis, stress or depression, any condition under the influence of alcohol or drugs (other than those prescribed by medical practitioner); any condition resulting from pregnancy or venereal disease;
  11. war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power,
  12. any illegal or unlawful act by insured person or insured person’s direct participation in strike, riot or civil commotion or terrorism;
  13. any expenses or consequential loss directly or indirectly arising from:
    • ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or
    • the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component.
  14. any accident that has occurred as a result of participation of sports during a pandemic or epidemic where the government has mandated compulsory quarantine or where self-isolation arrangements have been breached.

Important Notes

Zurich Insurance Company Ltd (hereafter “Zurich”) is the insurance underwriter of the insurance plan, and is solely responsible for all coverage and compensation. The insurance plan is a product of Zurich but not China CITIC Bank International Ltd. Zurich is not a subsidiary or an affiliate of China CITIC Bank International Ltd. China CITIC Bank International Ltd. is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an appointed licensed insurance agency of Zurich for distribution of general insurance products in the Hong Kong SAR.

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

The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.

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