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Golfer Insurance Plan

Play golf without worrying and focus on each stroke with our Golfer Insurance Plan, which protects you against legal liability for accidental bodily injury or property damage to third parties when you play golf.

Product Highlights

  • Third Party Liability Protection
    This plan protects you against your legal liability for accidental bodily injury or property damage to third parties, such as a spectator or caddy hit by a golf ball, for a limit up to HK$10,000,000.
  • Personal Accident Protection
    The plan offers personal accident protection for a limit up to HK$1,000,000.
  • 24-hour Worldwide Emergency Assistance
    24-hour medical emergency assistance includes hospital admission deposit guarantee, transportation of medical services and medical supplies to the appropriate location, and medical evacuation or repatriation, etc.

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img03Golfer Insurance

Coverage

  Limit of Indemnity (HK$)
Coverage Eagle Plan (A) Eagle Plan (B)
1. Personal Liability
Indemnifies the Insured against being legally liable for accidental bodily injury/death or property damage to a third party while playing golf at any recognised golf club worldwide		 5,000,000 10,000,000
2. Personal Accident
Provides benefits for bodily injury/death or permanent disability due to an accident while playing golf at any recognised golf club/driving range worldwide		 500,000 1,000,000
3. Worldwide Emergency Assistance  
  • Hospital Deposit Guarantee
 40,000
  • Emergency Medical Evacuation
 Actual expenses
  • Repatriation of mortal remains to Hong Kong
 Actual expenses
  • Compassionate Visit
 Round trip economy airfare for 1 person
  • Return of unattended child
 One way economy airfare for 1 person
  • Dispatch of medicine/equipment
 10,000
  • Other free advisory services
 Referral only
4. Golf Equipment and Personal Effects
Indemnifies the insured with respect to accidental loss/damage to golf equipment and personal effects at the golf club		 30,000 per year
  • Maximum amount per item of golf equipment
 3,000
  • Maximum amount per item of personal effects
 1,000
5. Hospital Cash Allowance 50,000 per year
  • Maximum per day
 800
6. Accidental Medical Expenses 25,000 per year
  • Inpatient
 20,000 per year
  • Outpatient (including bone setting)
 5,000 per year
(Limit per bone setting: 110 per visit and 2,000 per year)
7. Hole in One 3,000 per event

Premium Table

IA Levy collected by the Insurance Authority ("IA") shall be imposed on insurance policy at the applicable rate in accordance with the law. For further information, please visit www.ia.org.hk. The following premiums do not include IA Levy.
 
Annual Premium (HK$)
Eagle Plan (A) Eagle Plan (B)
770 900

Major Exclusions

Legal Liability to Third Party

  • Liability to family members and/or employees;

Personal Accident

  • Injury as a result of insanity or the influence of alcohol or drugs;
  • Suicide or intentional self-inflicted injury;
  • Incident caused by pregnancy, childbirth, or miscarriage;
  • Diseases arising from HIV and/or AIDS;

All Sections

  • Incident as a result of war;
  • Ionizing radiation from nuclear fuel.

Excesses

No excesses are applied to the SCB Golfer Insurance Plan.

 

Q&A

Is there any age limit under the SCB Golfer Insurance Plan?

Yes, the age limit of the Insured Person is 16 to 70.

Is there any geographical restriction under the plan?

No. The SCB Golfer Insurance Plan covers golf clubs worldwide.

What are the items covered under the Golf Equipment protection?

Golf Equipment covered under the plan includes golf clubs, golf bags and umbrellas.

How does the "Hole in One" coverage operate?

If the Insured Person can drive the ball into the hole with one stroke and is provided with a certificate by the golf club, the plan will pay a cash allowance of HK$3,000.

Tips for Filing a Claim

Please note the following and submit the required supporting documents when filing a claim:

  1. Personal liability to third party – bodily injury and/or property damage due to accident
    • Record the name and contact details of the injured person so that the Insurer can contact the injured person later
    • Record the name and contact details of the witness, if any, so that the Insurer can contact the witness later
    • Provide the police file reference number if the case has been reported to the police
    • Do not admit any liability or offer a settlement, no matter who is liable
    • Complete and return the Claim Form as soon as possible with details of the incident and a description of the property damage and bodily injury, if any
  2. Personal accident
    • Complete and return the Claim Form as soon as possible with details of the incident and injury
    • Provide the original medical report and receipts of charges with the patient's name, consultation date, and diagnosis
    • Provide the police report or other reports issued by the authorities
  3. Medical expenses
    • Complete and return the Claim Form as soon as possible with details of the incident and the extent of the injury sustained
    • Provide the original medical report and receipts of charges with the patient's name, consultation date, diagnosis and expenses
  4. Loss/damage to golf equipment and personal effects
    • Complete and return the Claim Form stating the details of the incident and the loss
    • Provide the original purchase receipts for the lost/damaged items if available
    • Provide photos showing the damaged items if available
    • Keep the damaged items for the Insurer's inspection if the situation allows
 

Claims Service Hotline
(852) 2290 3560

 

Note:

  1. The general insurance product is underwritten by Paofoong Insurance Company (Hong Kong) Limited ("Paofoong Insurance"). Paofoong Insurance is authorized and regulated by the Insurance Authority to carry on general insurance business in Hong Kong Special Administrative Region.
  2. Shanghai Commercial Bank Limited ("The Bank") is the Appointed Insurance Agency (Insurance Agency License Number FA3130) of Paofoong Insurance, and the general insurance product is a product of Paofoong Insurance but not the Bank. Profoong Insurance reserves the right to decide at its sole discretion to accept or decline any application of the general insurance plan.
  3. Paofoong Insurance is a subsidiary of the Bank.
  4. The Bank and Paofoong Insurance reserve the right to amend or terminate the terms and conditions for the relevant premium discount without prior notice to customers. In case of any disputes, the decision of the Bank and Paofoong Insurance shall be final.
  5. The above information is for reference only and is intended to be distributed in Hong Kong only, it shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any products of Paofoong Insurance outside Hong Kong and will not constitute any part of the insurance policy document. Please refer to the policy document and provision issued by Paofoong Insurance for detailed terms and conditions, scope of coverage, exclusions and premium of this insurance plan.
  6. 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) between the Bank and the customer arising out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product shall be resolved directly between the customer and Paofoong Insurance.
  7. In case of any discrepancy between the English and Chinese versions of the above information, the English version shall prevail.

Download Document

Policy Document
Claim Form
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