Zurich reserves the right of final approval and decision.

1. Zurich reserves the right of final approval and decision.
2. For Employees’ Compensation Insurance Plan, only Employer’s Liability Benefit will be covered.
3. Helpersafe Domestic Helper Insurance Plan is only applicable to overseas domestic helper who performs household work and/or domestic duties specified in the employment contract and the application is accepted by Zurich.
4. The waiting period for Section 6 - Medical expense for domestic employee and Section 7 - Dental expenses benefits will be 15 days from the effective date of the policy. During such period, no benefit will be payable for any cause, other than in respect of an accident using non-network benefit.
5. The waiting period for Section 11 - Optional benefit - heart disease and cancer cover will be 90 days from the effective date of the policy. During such period, no benefit will be payable for any cause.
6. Coverage on medical expenses under Section 6(b) – Hospitalization expenses and Section 11 - Optional benefit – heart disease and cancer cover do not cover the first HKD300 of each and every claim.
7. Section 3 - Service interruption cover does not cover the first three days of hospitalization or first five days of medical leave.
8. Section 7 - Dental expenses covers two thirds of most dental expenses, such as oral surgery, treatment of abscesses, X-rays, extractions or fillings. Dental expenses does not include the following treatment:
   • oral examination
   • scaling, polishing or cleaning
   • crowning and root canal treatment
   • orthodontic treatment of any kind
   • denture and prosthetic services such as bridges and crowns and braces
9. Cancer coverage only covers the diagnosis of a malignant tumour characterized by the uncontrolled growth and spread of malignant cells with invasion and destruction of normal tissue.