Summary of Coverage Table

Question & Answer

How to submit claims

1. The Promotion is arranged and brought to you directly by Club Care. The Protection Plan is underwritten and provided by MSIG and is distributed and arranged by Club Care. Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA, being a registered licensed insurance agency under the Insurance Authority of Hong Kong (“IA”) (Licensed Insurance Agency License No.: FA2474), acts as an appointed licensed insurance agency for MSIG to distribute and arrange insurance products and services. 
2. These Promotion Terms and Conditions are not an insurance policy or a contract of insurance. All information in respect of the Protection Plan is provided by MSIG. The Protection Plan is subject to related terms and conditions and respective policy provisions, the product brochure, and the related terms and conditions (the “Policy Documents”). The abovementioned information is for reference only and does not contain the full terms and conditions. In the event of any inconsistencies between these Terms and Conditions and the Policy Documents, the Policy Documents will prevail. 
3. The information of Protection Plan in these terms and conditions gives only an outline of the terms and conditions of the insurance cover and does not contain the full terms and conditions of the relevant insurance product. These terms and conditions are not an offer for subscription of any insurance product. For full terms and conditions, details and risk disclosures and exclusions of the Protection Plan, please refer to relevant Policy Documents; visit Club Care official website https://www.hktia.com.hk/ or call Club Care Customer Service Hotline at 8209 0098 for more details. 
4. CSL Mobile Limited (“CSL”) and its affiliates (including but not limited to Hong Kong Telecommunications (HKT) Limited) are the policyholders of the Protection Plan. CSL and all affiliates of such entities (other than HKTIA) are not an insurance company, agency, broker or intermediary and are not arranging for any contract of insurance or carrying on any regulated activities (as defined under the Insurance Ordinance) in connection with the Protection Plan, any insurance related products or services or the Promotion. CSL and all affiliates of such entities (other than HKTIA) are not the supplier, distributor or provider of the Protection Plan, any insurance related products or services or the Promotion, do not represent Club Care/HKTIA or MSIG, make no representations and warranties and accept no liability for any matters arising from, or in relation to, the same. For any enquires in relation to the Protection Plan and the Promotion, please contact Club Care Customer Service Hotline at 8209 0098 directly. 
5. MSIG reserves the right to make the final decision in approving any claim applications for the Protection Plan and the Promotion and any disputes that may arise from such applications and the Promotion, and takes full responsibility for all related coverage and claim matters. Any disputes over the terms of this insurance plan shall be resolved directly between the insured person and MSIG. HKTIA’s role is limited to distributing and arranging certain insurance policies of MSIG (including the Protection Plan) and HKTIA shall not be responsible for any matters in relation to the provision of such insurance products (including the Protection Plan). The Protection Plan is a product and obligations of MSIG and not of HKTIA. 
6. HKTIA / Club Care, its affiliated companies and MSIG reserve(s) the right to amend, suspend or terminate the Promotion and amend the relevant terms and conditions at their sole discretion at any time without prior notice. All decisions made by HKTIA / Club Care, its affiliated companies and MSIG shall be final and binding.