As a holder of a BNU Credit Card, you are protected by our complete and free travel insurance protection plan when your are traveling aboard with your travel expenses charged to your BNU Credit Card. The travel insurance packages provided by BNU Credit Card include Loss of Deposit Travel Insurance, Travel Accident Insurance, Travel Inconvenience Insurance, and Overseas Accident Hospital Cash Insurance.

Loss of Deposit to Travel Agents Protection

Whenever you or your family buy a package organized by a Travel Agent, and are requested to make a deposit, you will not lose that deposit if for some reasons you cannot make the trip. BNU Credit Card provides a complete protection to you in these cases when you charge the whole Travel Package Deposit to your BNU Credit Card. The protections are shown in the following table:

* The Insured Person (cardholder or his/her spouse and dependent children whose travel package deposit was charged to cardholder’s BNU Credit Card) can enjoy this protection under the following conditions:

1. The entire travel and accommodation deposits have been charged to his/her BNU Credit Card prior to the cancellation of the tour
    

2. Such loss of deposits is not recoverable from any other source and cannot be utilized in any way upon cancellation of the tour
    

3. The cancellation of the tour is caused by the following:
    

1. Sudden death, serious bodily injury, serious sickness of Insured Person, or his/her direct relatives up to 14 days prior to the tour date
    

2. Compulsory quarantine or jury service of an Insured Person within 14 days prior to the tour
    

3. Serious loss of an Insured Person’s place of residence result from fire, flood, burglary, earthquake, landslide up to 7 days prior to the tour date
    

• you are making a covered trip and the entire fare of the common carrier conveyance is charged to your BNU Credit Card
   

• you are located inside the area of the Hotel with the entire charges being made to your BNU Credit Card
   

• you are driving or riding as a passenger in a Rented Car with the entire charges being made to your BNU Credit Card
   

• you have charged the entire cost of the tour package organized by a Travel Agent to your BNU Credit Card
   

To claim the Travel Inconvenience Benefit, cardholder needs to charge the card whatever expenses he/she has incurred during the travel due to the above mentioned inconvenience cases. For example, if a hotel room needs to be arranged due to a flight delay, please charge the room expenses to your BNU Credit Card so that you can claim the reimbursement of these expenses when you return to Macau (Cash payment of those expenses will not be accepted to claim this benefit). Prove of inconvenience will also be needed to support your claim under this benefit.

• A BNU Visa principal or supplementary cardholder
   

• the legally married spouse, or dependent children under age 23 of cardholder
  

* This statement is not a policy or contract of insurance. The original policy is kept at BNU head office in Macau. All claims under the related insurance will refer to the original policy. Should any questions arise, please contact our 24 hours Customer service Hotline 2833 5533 for detailed information.