We shall not pay any benefits for sickness if the covered person was infected with any human immunodeficiency virus （ hiv ） prior to the policy effective date 如受保人于保单生效日前已染上后天免疫能力缺乏症（爱滋病）将不会获得赔偿。
In case the insured changes his / her occupation or job duty or pursuits , you and / or the insured shall immediately notify the company in writing 如受保人之职业、职责或其他消遣有任何改变，则您及或受保人须即时以书面通知本公司有关转变。
It also covers third party liability arising from ownership or use of vessels up to the hull value and cost of rescuing the assured , crew and passengers 游艇保险还保障因拥有或使用船只而导致的第三者责任，甚至包括拯救受保人船员和乘客所需要的费用。
Internal credit check must be conducted and cis or external credit check must also be conducted if the insureds are subscribers of cis or other external credit agencies 必须进行内部信贷审查，另若受保人有参与cis或其他信贷资料机构，则亦须向该机构进行信贷审查。
If the employer is a sole proprietor or a partnership and the insured person is the sole proprietor or a partner , are the premiums paid on the policy by the employer deductible 倘若雇主是独资经营者或合业务，而受保人是该独资经营者或合人，由雇主所支付的保费是否可予扣税？
If the employer is a limited company and the insured person is a director who owns substantial shares in the company , are the premiums paid on the policy by the employer deductible 假如雇主属一家有限公司，而受保人则是拥有该公司大数量股份的董事，该雇主所付的保费是否可扣税？
If the employer is a sole proprietor or a partnership and the insured person is the sole proprietor or a partner , are the premiums paid on the policy by the employer deductible 倘若雇主是独资经营者或合业务，而受保人是该独资经营者或合人，由雇主所支付的保费是否可予扣税？
If the employer is a limited company and the insured person is a director who owns substantial shares in the company , are the premiums paid on the policy by the employer deductible 假如雇主属一家有限公司，而受保人则是拥有该公司大数量股份的董事，该雇主所付的保费是否可扣税？
This product will compensate a significant portion of your lost earnings in case of accident or injury . it will alleviate your financial burdens while your regular income is interrupted 伤残入息保障可于受保人不幸因意外伤残而损失大部份入息时伸出援手，大大减轻您因收入中断而造成的财政负担。
