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Insurance Terms & Conditions


Smart Overseas Driving Travel Insurance

Smart Overseas Driving Travel Insurance (the “Master Policy”) is a contract of insurance underwritten by AXA Tianping P&C Insurance (“AXA”) and issued to Easy Tour International Limited (“Easy Tour”).  Under the Master Policy, after satisfying the eligibility criteria, you can become the insured person to receive certain benefits under certain conditions, as mentioned below. To enjoy the cover, you must agree to Easy Tour to collect and transfer your personal data to AXA for the purposes of underwriting such insurance, insurance administration, general enquiry and claims handling.

Please note although you may be covered under the Master Policy, you are not a contracting party to the Master Policy. So you have no right to enforce any term of the Master Policy against AXA. Only Easy Tour has right to enforce any term of the Master Policy against AXA.

Please also note that Easy Tour is not an insurance agent of AXA, and Easy Tour is not your insurance broker.

 

Eligibility

An Insured Person must meet all the following requirements before he/she is eligible for cover under this Policy:-

1)      An Insured Person must be a customer with Super Protection Coverage of Easy Tour;

2)      An Insured Person must be the applicant of the car rental booking at Easy Tour;

3)      An Insured Person is aged between eighteen (18) to eighty (80) years at the scheduled pick-up date of car rental;

4)      An Insured Person’s car rental booking application must be completed before he/she picks up the Car;

5)      An Insured Person must have an electronic Booking Confirmation Letter issued by Easy Tour International Limited.


Geographical Limits

1)      This Insurance coverage is provided on worldwide basis except Hong Kong as travel destination.

 

Period of Insurance

1)    The Insurance is only valid in the Period of Car Rental originally stated in the electronic Booking Confirmation Letter [Term TBC] of the Insured Person. It commences from the day of car picked up by the Insured Person until the day of Car returned to the car rental supplier during Journey. No Insurance is covered for any period of Car Rental outside the date of car pick up and car return stated in the electronic Booking Confirmation Letter, eg early pick up or late return.

2)    The Insurance coverage is provided up to a maximum of 184 days on each Period of Car Rental.

3)    If there is any cancellation of car rental submitted after the electronic Booking Confirmation Letter is issued, the insured cover will cancelled automatically concurrently without further notice.

 

Customer Declaration:

"I understand that I am entitled to enjoy the personal accident and rental vehicle excess insurance to cover me under a master policy if I fulfill all the criteria as stated in the Terms and Conditions.  I agree to [Easy Tour International Limited, also known as EasyRentCars] to collect and transfer my personal data to AXA Tianping P&C Insurance for the purposes of underwriting such insurance, insurance administration, claims handling and other purposes set out in the Personal Information Collection Statement of AXA Tianping P&C Insurance." 

 

Definitions

Certain words in the Policy have specific meanings. These words have the same meaning wherever they are used in the Policy or Booking Confirmation Letter or subsequently endorsed hereon. These are given below or defined at the beginning of the appropriate Section.

TERM

MEANING

Accident

a sudden unforeseen and fortuitous event and the word “Accidental” shall be construed accordingly.

Benefit Table

the table listing the benefit amounts in page xx – Summary of Benefits.

Booking Confirmation Letter

the document which shows details of:

1. Insured Person,

2. Period of Car Rental applicable to that Insured Person (i.e. the duration of car pick-up and car return),

3. any terms and conditions specific to the cover applicable to the Insured Person.

Car / Vehicle

the vehicle that the Insured Person books from the Policyholder via the Policyholder’s website known as www.easyrentcars.com

Car Rental

the Car rent by the Policyholder to the Insured Person who drives the Car for leisure use during the Period of Car Rental outside Hong Kong.

Close Business Partner

a business companion who travels with the Insured Person for the same business purpose, and whose presence is necessary for the Insured Person’s business.

Compulsory Quarantine

the Insured Person is being confined in an isolated ward of a Hospital or an isolated site appointed by the government for at least 24 hours and continuously stays in there until discharged from the quarantine.

Family

the Insured Person, his spouse and Children (irrespective of the number) travelling with the Insured Person for the entire period.

Hospital

an establishment which meets all the following requirements:

(i) holds a license as a hospital (if licensing is required in the state or governmental jurisdiction);

(ii) operates primarily for the reception, care and treatment of sick, ailing or injured persons as in-patients;

(iii) provides 24-hour a day nursing service by registered or graduated nurses;

(iv) has one or more licensed physicians available at all times;

(v) provides organized facilities for diagnosis and major surgical facilities; and

(vi) is not primarily a clinic, nursing, rest or convalescent home or similar establishment, a place for alcoholics or drug addicts.

 

Immediate Family Member

the Insured Person’s Family member, parent, parent-in-law, grandparent, grandparent-in-law, brother, sister, grandchild or legal guardian.

Injury

bodily injury sustained by an Insured Person and caused solely and directly by an Accident and does not include any illness or naturally occurring medical conditions or degenerative process.

Insured Person

the customer who : - books the Vehicle from the Policyholder; - is identified by the Policyholder as VIP customer; - has successfully confirmed the booking application online with Policyholder via the Policyholder’s website known as www.easyrentcars.com; - drives the Vehicle in the Period of Car Rental.

Limb

a hand, arm, foot or leg.

Loss of Hearing

Permanent irrecoverable loss of hearing rendering the Insured Person absolutely deaf in both ears irremediable by surgical or other means of treatment.

Loss of Limb

complete severance at or above the wrist or ankle joint or the total and Permanent functional disablement of an entire hand, arm, foot or leg.

Loss of Sight

the total and irrecoverable loss of all sight of an eye rendering the Insured Person absolutely blind in that eye beyond remedy by surgical or other treatment.

Loss of Speech

the disability in articulating any three of the four sounds which contribute to the speech such as the Labial sounds, the Alveololabial sounds, the Palatal sounds and the Velar sounds or total loss of vocal cord or damage of speech centre in the brain resulting in aphasia rendering the Insured Person absolutely loss of speech beyond remedy by surgical or other treatment.

Loss of Use

total functional disablement and is treated like the total loss of said Limb or organ.

Period of Car Rental

the rental period for the Car rent to Insured Person by Policyholder before the date of Booking Confirmation is issued. Thus, the period between Car pick-up and Car return as provided in the declaration. And the Car pick-up date must be within the Period of Insurance.

Permanent

lasting 12 consecutive months from the date of Accident and at the expiry of that period being beyond hope of improvement certified by a Qualified and Licensed / Registered Medical Practitioner.

Permanent Total Disablement

when as the result of Injury and commencing within 12 consecutive months from the date of the Accident, the Insured Person is totally and permanently disabled and prevented from engaging in or attending any business or occupation. If the Insured Person has no employment or occupation at the time of Injury, Permanent Total Disablement means the inability to perform to all of the daily activities in his daily life. Provided such disability has continued for a period of 12 consecutive months and certified by a Qualified and Licensed / Registered Medical Practitioner to be total, continuous and Permanent for the remainder of the Insured Person’s life.

Public Common Carrier

any mechanically propelled conveyance operated by a company or an individual licensed to carry passengers for hire which include aeroplane, bus, coach, ferry, hovercraft, hydrofoil, ship, train, tram or underground train only.

Qualified and Licensed / Registered Medical Practitioner

a medical practitioner qualified by a medical degree and duly licensed or registered to practice medicine and who, in rendering such treatment (surgery or medical procedures for the sole purpose of cure or relief of Injury), is practicing within the scope of his licensing and training in the geographical area of practice.

Travel Companion

the person who committed or arranged the travel booking or reservation together with the Insured Person and accompanied the Insured Person for the whole Journey and is also insured with Us under the same Journey other than the tour guide or the tour member.

 

Summary of Benefits

Benefits

Maximum Limits Payable (per journey)

Section 1 – Personal Accident

Permanent total disablement, loss of limbs, loss of sight

USD 20,000

Section 2 – Rental Vehicle Excess

Rental vehicle excess incurred in the event that

(i)    Direct loss of the rental vehicle (incl. windows, glass, tyres, chassis), whilst the rental Vehicle is driven by the Insured Person;

(ii)  Rental vehicle is involved in an accident that required road rescue fee, towing fee, labor cost, lock or key replacement fee;

(iii)   The rental vehicle is stolen;

(iv)   The rental vehicle is damaged due to natural disasters during the Journey.

USD 6,000

Loss of leased items or travel documents

USD 800

(in aggregate)

Loss of rental expenses due to travel documents

Parking and replacement fees due to traffic accident

Delay of pick up due to flight delay or cancellation

Clean up fee

USD 150

Charges due to misfuelling

Automatic extension of the coverage period

24h

 *This Benefits table was updated on 2019/06/28. Confirmation made before 2019/06/28, the maximum limits payable is different and the AXA Voucher (which has been sent to your email) shall prevail.


Operation of Insurance

(a) Journey refers to the Period of Car Rental shown in the Booking Confirmation Letter. It commences from the day of Car picked up by the Insured Person until the day of Car returned to the Policyholder during Journey.

(b) Cover is provided up to a maximum of 184 days on each Period of Car Rental.

 

Description of Benefits

Section 1 – Personal Accident

Maximum Limit per Insured Person     : as per Summary of Benefit

We will pay the following benefit per Insured Person in the event of accidental bodily Injury being sustained by an Insured Person during the Journey.

Benefit

Compensation

(% of the Maximum Limit per Insured Person)

(1) Accidental Death

100%

(2) Permanent Total Disablement

100%

(3) Permanent and incurable paralysis of all Limbs

100%

(4) Permanent total Loss of Sight of both Eyes

100%

(5) Permanent total Loss of Sight of one Eye

100%

(6) Loss of or the Permanent total Loss of Use of two Limbs

100%

(7) Loss of or the Permanent total Loss of Use of one Limb

100%

(8) Permanent Loss of Speech and Loss of Hearing

75%

(9) Permanent total Loss of Hearing in

(i) both ears

(ii) one ear

20%

(10) Permanent Loss of Speech

50%

 

Extensions

It is extended to cover

Third Degree Burn

If as a result of an Accident the Insured Person sustains an Injury and is diagnosed by a Qualified and Licensed / Registered Medical Practitioner to have suffered any of the Events listed hereunder, We will pay the Insured Person in respect of the following Events as specified below.

EVENTS

Third Degree Burn

COMPENSATION

On 45% or more of body surface

HK$24,000

On 27% or more of body surface

HK$14,000

On 18% or more of body surface

HK$12,000

On 9% or more of body surface

HK$7,000

On 4.5% or more of body surface

HK$4,800

 

Compensation shall not be payable for more than one of the above Events in respect of the same accidental bodily Injury. Should more than one of the Events occur from the same accidental bodily Injury, We shall only be liable for the greatest compensation.

Definitions

a. “Burns” means tissue damage caused by the agent of heat only.

b.“Degree” means the unit of measurement for the Burns customarily used by the local government in the place where this Policy is issued.

c. “Third Degree Burn” means the damage or destruction of the skin to its full depth and damage to the tissues beneath.

 

Provisions

(a).      In respect of an Insured Person who is aged over 70, the maximum amount We will pay under this Section will be limited to 50% of the above benefits (1) to (10).

(b).     No claims will be payable :

(i)          Under benefits (1) and (2) unless such benefits occurs within 12 months from the date of Accident;

(ii)         Under benefits (3) to (10), except on proof to Us that the disablement has continued for 12 months from the date of Injury and in all probability, will continue for the remainder of the Insured Person’s life.

(c).      The amount of all benefits (1) to (10) and Third Degree Burn extension payable for one or more Injuries sustained by the Insured Person during the Journey shall not exceed $100,000.

(d).     This section 1 excludes cover for illness, sickness, disease, any pre-existing physical or mental defect or infirmity, bacterial or viral infections even if contracted by Accident. But this section does not exclude bacterial infection that is the direct result of an accidental cut or wound.

(e).      When a Limb which had been partially dysfunctional or disabled prior to an Injury covered under this Policy and which becomes totally dysfunctional or disabled as a result of such Injury, the percentage of sum insured payable shall be determined by Us in Our sole discretion having regard to the extent of disablement caused by the Injury. No payment however shall be made in respect of the loss of or the Permanent total Loss of Use of one Limb which was totally dysfunctional or disabled prior to the Injury.

 

Session 2 - Rental Vehicle Excess

Maximum Limit per Insured Person                                        :   as per Summary of Benefit

(a)        We will pay the motor insurance policy excess or deductibles incurred by the Insured Person in the event that:

 

(iii)        Direct loss of the rental vehicle (incl. glass, tyres, chassis), whilst the rental Vehicle is driven by the Insured Person;

(i)          the rental Vehicle is involved in an Accident that required road rescue fee, towing fee, labor cost, lock or key replacement fee;

(ii)         the rental Vehicle is stolen;

(iii)        the rental Vehicle is damaged due to natural disasters during the Journey.

 

Provided that

­     such Vehicle is rented from a licensed rental vehicle company; and

­     a rental agreement between the Insured Person and the licensed rental vehicle company is signed; and

­     a relevant comprehensive motor insurance policy covering the rental Vehicle, which is in force during the Period of Car Rental which in within the period of Journey; and

­     the rental Car must be driven by the Insured Person with possession of legal and valid license.

 

Sub-limit per Insured Person for benefit (a)                :    as per Summary of Benefit

 

(b)        We will pay for the loss of rental vehicle company’s items or Insured Person’s travel documents stored inside of the closed carriage or boot of the rental Vehicle, due to theft with obvious marks, robbery or looting;

(c)        We will pay for the loss of non-refundable rental expenses paid by the Insured Person due to failure of rental Vehicle pickup caused by the loss of the Insured Person’s travel documents due to theft with obvious marks, robbery or looting ;

(d)        We will pay for the parking expenses and replacement fees due to the Car’s mechanical or electrical breakdown arising from the traffic accident of the Insured Person’s rental Vehicle;

(e)        We will pay for the overdue pickup charges due to the delay or cancellation of the Insured Person’s flight;

Total aggregate limit per Insured Person for benefits (b) to (e)  :        as per Summary of Benefit

(f)         Automatic Extension of the Coverage Period

This Insurance will be automatically extended for a maximum period of 24 hours without additional premium charged for such extension in the event that the Insured Person is unavoidably delayed in the course of the scheduled itinerary which was stipulated prior to departure;

(g)        Inappropriate use of rental Vehicles that required extra clean up fee or charges due to negligence refill of incorrect fuel for the rental Vehicle.

Sub-limit per Insured Person for benefit (g)                        :  as per Summary of Benefit

Excluding

We will not pay any claims arising directly or indirectly from, in respect of or due to:

 

1.       Any condition under the influence of alcohol or drugs of the Insured Person who is controlling the rental Vehicle during the rental period.

2.       Loss arising from operation of the rental Vehicle which is in violation of the terms of the rental agreement or applicable comprehensive motor insurance.

3.       Any illegal or unlawful use of the rental Vehicle by the Insured Person during the rental period.

4.       The Insured Person is not holding a valid driving license for the country.

5.       Liability other than loss of or damage to the rental Vehicle.

6.       The rental of the following types of Vehicles : motorcycles, mopeds, motorbikes, trailers or caravans, motor homes, trucks, commercial vehicles, recreational vehicles, off-road vehicles, vans and vehicles with more than 9 seats.

 

 

Policy Conditions

1       Compliance with Conditions

The due observance and fulfilment of all the terms and conditions of this Policy by the Insured Person, or anyone acting on his behalf insofar as they relate to anything to be done or complied with by the Insured Person, or anyone acting on his behalf shall be a condition precedent to any liability of Us to make any payment under this Policy.

2       Reasonable Care

The Insured Person shall act in a prudent manner and exercise reasonable care to prevent Accidents, Injury, illness, loss or damage.

3       Fraud

If any claim shall be fraudulent or intentionally exaggerated or if any false declaration or statement shall be made, then this Policy shall be void and no claim shall be payable.

4       Claim

In the event of a claim, the Insured Person should:-

(i)     advise Us in writing as soon as possible but always subject to clause (3) under General Exclusions.

(ii)    provide all documents, information and evidence as may be required by Us at the expense of the Insured Person or his legal representatives.

(iii)   in the event of travel delay, obtain written confirmation from the Public Common Carrier for the reason and duration of the delay.

(iv)  not to admit liability or to give any representations or other undertakings binding upon the  Insured Person except with Our written consent.

(v)   render his full co-operation during the course of investigation or assessment of the claim.

5       Company’s Rights after a Claim

We shall be entitled to conduct, in the name of and on behalf of the Insured Person, the defence or settlement of any legal action and take proceedings at Our own expenses and for Our own benefit but in the name of the Insured Person to recover compensation from any third party in respect of anything covered by this Policy and to instruct solicitors of Our own choice for this purpose. In the event of the death of the Insured Person, We shall have the right to have a post mortem at Our own expense.

6       Arbitration

If any difference shall arise as to be the amount to be paid under this Policy (liability being otherwise admitted), such difference shall be referred to an arbitrator to be appointed by the parties in accordance with the statutory provisions for the time being in force in Hong Kong. Where any difference is, by this condition, to be referred to arbitration, the making of an award shall be a condition precedent to any right of action against Us.

7       Cancellation

The insurance will become terminated upon the cancellation of the car rental booking.

8       Payment of Claims

Indemnity for loss of life will be payable in accordance with the beneficiary designation by the Insured Person and the provisions respecting such payment which may be prescribed herein and effective at the time of payment. If no such designation or provision is then effective, such indemnity shall be payable to the estate of the Insured Person. Any other accrued indemnities unpaid at the Insured Person’s death may, at Our option, be paid either to such beneficiary or to such estate. All other indemnities will be payable to the Insured Person.

Payment to the designated beneficiary or, if none or if such beneficiary cannot be found after reasonable enquiry, to the Insured Person’s executives or personal representatives shall discharge all Our further liability hereunder and We shall in no circumstances be liable to see to the application or distribution of any amount so paid pursuant to this Policy.

Payment of the claims will be based on the exchange rate prevailing at the date of loss.

9       Governing Law

This policy shall be governed and construed in accordance with the laws of Hong Kong and any dispute or difference that arises under this Policy shall be settled in accordance with the laws of Hong Kong.

10    Age Limit

As mentioned in the Eligibility (4).

11    Duplicate Cover

If the Insured Person is insured with Us by more than one travel insurance (except all group travel insurance which is actually paid by any company, group or association to insure the Insured Person) covering under the same Journey, then We will only be liable to pay for the loss up to the limit of the highest coverage policy.

12    The total amount payable under each section shall not exceed the maximum limit as stated in the Policy respectively.

 

General Exclusions

This Policy does not cover claims:-

1       Directly or indirectly occasioned by, happening through or in consequence of:-

(a)     any Injury, illness, disease, infirmity, physical defect or condition which existed prior to the Journey.

(b)     the Insured Person engaging in sports or games in a professional capacity.

(c)      war, invasion, acts of foreign enemies, hostilities or war-like operations (whether war be declared or not), civil war, mutiny, riot or civil commotion assuming the proportions of or amounts to popular rising (except as specified under individual Sections), military rising, insurrection, rebellion, revolution, military or usurped power, martial law, confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

(d)     the Insured Person’s direct participation in terrorist acts.

(e)     Accidents whilst the Insured Person is engaging in racing (other than on foot), motor rallies and competitions or aviation (other than as a fare-paying passenger in a duly certified multi-engined passenger carrying aircraft flown in the course of licensed operations for the transportation of passengers by air by a properly- licensed crew).

(f)       wilfully self-inflicted Injury or illness, insanity, the effect or influence (temporary or otherwise) of alcohol, or the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a Qualified and Licensed / Registered Medical Practitioner, but not for the treatment of drug addiction), self-exposure to needless peril (except in an attempt to save human life or property).

(g)     nuclear fission, nuclear fusion or radioactive contamination arising from non- terrorist event, whether direct or indirect.

2       In respect of any property more specifically insured or any claim which, but for the existence of this Policy, would be recoverable under any other policy of insurance.

3       Incidents which may give rise to a claim not notified directly in writing to Us within 31 days of the expiry of the individual scheduled travel itinerary.

4       If the Insured Person is travelling contrary to the advice of a medical practitioner or for the purpose of obtaining medical treatment or for migration.

5       For venereal disease or sexually transmissible diseases including AIDS (Acquired Immune Deficiency Syndrome) and ARC (AIDS Related Complex).

6       For pregnancy, miscarriage, childbirth and all complications thereof.

7       If the Insured Person is engaged in any kind of labor or manual work; engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives; performing as actor/actress; being a site worker, fisherman, cook or kitchen worker; tour guide or tour escort during the period of insurance.

8       Arising from “Black” alert for the planned destination, according to the “Outbound Travel Alert System”, in existence prior to the issuance of the Booking Confirmation Letter;

9       Any incidents/circumstances which is existing or announced or publicly known on or before the date of booking the scheduled Journey and/or before the effective date of the Policy.

10    Sanction Limitation and Exclusion Clause

No (re)insurer shall be deemed to provide cover and no (re)insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that (re)insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

The word "(re)insurer" in this clause means insurer or reinsurer or both. The word "insurer" means AXA Tianping P&C Insurance.

 

PERSONAL INFORMATION COLLECTION STATEMENT

AXA Tianping P&C Insurance (referred to hereinafter as the “Company”) recognises its responsibilities in relation to the collection, holding, processing, use and/or transfer of personal data under the Personal Data (Privacy) Ordinance (Cap. 486) (“PDPO”). Personal data will be collected only for lawful and relevant purposes and all practicable steps will be taken to ensure that personal data held by the Company is accurate. The Company will take all practicable steps to ensure security of the personal data and to avoid unauthorised or accidental access, erasure or other use.

 

Please note that if you do not provide us with your personal data, we may not be able to provide the information, products or services you need or process your request.

 

Purpose: From time to time it is necessary for the Company to collect your personal data which may be used, stored, processed, transferred, disclosed or shared by us for purposes (“Purposes”), including:

1. offering, providing and marketing to you the products/services of the Company, other companies of the AXA Group (“our affiliates”) or our business partners (see “Use and provision of personal data in direct marketing” below), and administering, maintaining, managing and operating such products/services;

2. processing and evaluating any applications or requests made by you for products/services offered by the Company and our affiliates;

3. providing subsequent services to you, including but not limited to administering the policies issued;

4. any purposes in connection with any claims made by or against or otherwise involving you in respect of any products/services provided by the Company and/or our affiliates, including investigation of claims;

5. evaluating your financial needs;

6. designing products/services for customers;

7. conducting market research for statistical or other purposes;

8. matching any data held which relates to you from time to time for any of the purposes listed herein;

9. making disclosure as required by any applicable law, rules, regulations, codes of practice or guidelines or to assist in law enforcement purposes, investigations by police or other government or regulatory authorities in Hong Kong or elsewhere;

10. conducting identity and/or credit checks and/or debt collection;

11. complying with the laws of any applicable jurisdiction;

12. carrying out other services in connection with the operation of the Company’s business; and

13. other purposes directly relating to any of the above.

 

Transfer of personal data: Personal data will be kept confidential but, subject to the provisions of any applicable law, may be provided to:

1. any of our affiliates, any person associated with the Company, any reinsurance company, claims investigation company, your broker, industry association or federation, fund management company or financial institution in Hong Kong or elsewhere and in this regard you consent to the transfer of your data outside of Hong Kong;

2. any person (including private investigators) in connection with any claims made by or against or otherwise involving you in respect of any products/services provided by the Company and/or our affiliates;

3. any agent, contractor or third party who provides administrative, technology or other services (including direct marketing services) to the Company and/or our affiliates in Hong Kong or elsewhere and who has a duty of confidentiality to the same;

4. credit reference agencies or, in the event of default, debt collection agencies;

5. any actual or proposed assignee, transferee, participant or sub-participant of our rights or business; and

6. any government department or other appropriate governmental or regulatory authority in Hong Kong or elsewhere.

 

For our policy on using your personal data for marketing purposes, please see the section below “Use and provision of personal data in direct marketing”.

 

Transfer of your personal data will only be made for one or more of the Purposes specified above.

 

Use and provision of personal data in direct marketing: The Company intends to:

1. use your name, contact details, products and services portfolio information, transaction pattern and behaviour, financial background and demographic data held by the Company from time to time for direct marketing;

2. conduct direct marketing (including but not limited to providing reward, loyalty or privileges programmes) in relation to the following classes of products and services that the Company, our affiliates, our co-branding partners and our business partners may offer:

a) insurance, banking, provident fund or scheme, financial services, securities and related products and services;

b) products and services on health, wellness and medical, food and beverage, sporting activities and membership, entertainment, spa and similar relaxation activities, travel and transportation, household, apparel, education, social networking, media and high-end consumer products;

3. the above products and services may be provided by the Company and/or:

a) any of our affiliates;

b) third party financial institutions;

c) the business partners or co-branding partners of the Company and/or affiliates providing the products and services set out in (2) above;

d) third party reward, loyalty or privileges programme providers supporting the Company or any of the above listed entities

4. in addition to marketing the above products and services, the Company also intends to provide the data described in (1) above to all or any of the persons described in (3) above for use by them in marketing those products and services, and the Company requires your written consent (which includes an indication of no objection) for that purpose;

 

Before using your personal data for the purposes and providing to the transferees set out above, the Company must obtain your written consent, and only after having obtained such written consent, may use and provide your personal data for any promotional or marketing purpose.

You may in future withdraw your consent to the use and provision of your personal data for direct marketing.

If you wish to withdraw your consent, please inform us in writing to the address in the section on “Access and correction of personal data”. The Company shall, without charge to you, ensure that you are not included in future direct marketing activities.

Access and correction of personal data: Under the PDPO, you have the right to ascertain whether the Company holds your personal data, to obtain a copy of the data, and to correct any data that is inaccurate. You may also request the Company to inform you of the type of personal data held by it.

Requests for access and correction or for information regarding policies and practices and kinds of data held by the Company should be addressed in writing to:

Data Privacy Officer

AXA Tianping P&C Insurance

10F 201 Century Avenue,200120 Shanghai,China

 

A reasonable fee may be charged to offset the Company’s administrative and actual costs incurred in complying with your data access requests.

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