1. Nature of the Scheme
1.1 The One Small Step Employee Medical Reimbursement Scheme (the "Scheme") is a discretionary staff benefit funded and administered solely by One Small Step Group Limited (the "Company"). It is not an insurance policy or an insurance product, the Company is not an insurer, and nothing in the Scheme creates any insured interest.
1.2 The Scheme does not form part of your terms of employment or contract of employment, and does not constitute wages, a contractual bonus or an end-of-year payment within the meaning of the Employment Ordinance (Cap. 57). The Company may amend, suspend or terminate the Scheme, or any person's participation in it, at any time with prospective effect. No accrued right arises from past reimbursements.
2. Eligibility
2.1 Participation is limited to full-time employees whom the Company has assigned a Scheme tier, and begins only after six months of continuous employment. Consultations before your effective date are not eligible.
2.2 Eligibility ends on your last day of employment. Claims may only be submitted while employed, and only for consultations that occurred during your eligible period.
3. What is Claimable
3.1 Coverage, reimbursement rates, per-claim caps, annual limits, the no-claim bonus, the waiting period, the submission window and the exclusions are as set out in the Scheme Summary shown in this app, which forms part of these Terms. Where these Terms and the Summary conflict, these Terms prevail.
3.2 Only itemised receipts from currently registered Hong Kong practitioners are claimable. A receipt must show: (a) the patient's name; (b) the date of treatment; (c) the diagnosis or type of treatment; (d) the itemised amounts, including consultation fee and any medication; and (e) the clinic's chop or the practitioner's signature. Estimates, interim invoices and lump-sum invoices are not claimable. Multiple receipts from the same clinic for the same consultation or same-day follow-up count as one claim.
4. Your Declarations on Every Claim
4.1 By ticking the declarations and signing, you declare on each claim that: (a) the information given and the receipt are true, complete and unaltered; (b) the consultation was received by you personally and you paid the expense yourself; (c) you have not recovered and will not seek to recover any part of the expense from any insurer, employer, or other source; and (d) you accept these Terms.
4.2 If any part of the expense is or becomes recoverable elsewhere, you must tell the Company before submitting — or immediately upon learning of it — and repay any amount the Company has already reimbursed for that part.
5. Evidence, Verification and Audit
5.1 You authorise the Company to verify any claim — including past claims already paid — with the clinic or practitioner named on the receipt, and to check any claim against the Company's own records, including attendance and roster records.
5.2 Keep the original paper receipt for at least six months after payment. The Company may require the original before or after paying; if you cannot produce it on request, the claim may be refused or reversed.
5.3 The Company may audit any claim, at any time, including after payment.
6. Assessment and Payment
6.1 The Company has sole and final discretion to approve, adjust or reject any claim. Approved amounts are paid with the next practicable payroll.
6.2 An arithmetic or administrative error in an approval does not create an entitlement; the Company may correct it and adjust accordingly.
7. Recovery and Consequences of False Claims
7.1 Any amount paid on a claim that was false, ineligible, double-recovered, paid in error or otherwise outside the Scheme is repayable by you as a debt. You expressly agree the Company may recover it by deduction from future reimbursements under the Scheme, and may otherwise set it off against sums owed to you to the extent permitted by law.
7.2 Submitting a false, inflated, altered or split claim is serious misconduct which may result in summary dismissal, and may also constitute a criminal offence which the Company may report to the Police.
8. Personal Data (PDPO)
8.1 To administer the Scheme the Company collects and processes: your identity and employment details; consultation dates, provider types and clinic names; receipt images (which may reveal information about your health); amounts; and your signed claim record.
8.2 This data is used only for administering, verifying, auditing and paying claims, for payroll and accounting, and for meeting legal obligations. It is stored in the Company's Google Workspace (Sheets and Drive), with access limited to the administrators of the Scheme and the accounts function.
8.3 Claim records are retained for seven years in line with statutory business-record requirements, then deleted. You may request access to or correction of your personal data under the Personal Data (Privacy) Ordinance (Cap. 486) by contacting the Scheme administrator.
8.4 Your data is never used for marketing. Providing it is voluntary, but a claim cannot be processed without it. The Scheme administrator is the Operations Manager, contactable through the Company.
9. General
9.1 You may not assign any right under the Scheme. 9.2 If any provision is held invalid, the rest remain in force. 9.3 These Terms are provided in English and Chinese; the English version prevails if they differ. 9.4 These Terms are governed by the laws of the Hong Kong Special Administrative Region. 9.5 A person who is not a party has no right under the Contracts (Rights of Third Parties) Ordinance (Cap. 623) to enforce any of these Terms.
1. 計劃性質
1.1 One Small Step 員工醫療報銷計劃（「本計劃」）為 One Small Step Group Limited（「公司」）全權出資及管理之酌情員工福利。本計劃並非保險單或保險產品，公司並非保險人。
1.2 本計劃不構成你僱傭條款或僱傭合約的一部分，亦不構成《僱傭條例》（第57章）所指的工資、合約性花紅或年終酬金。公司可隨時修訂、暫停或終止本計劃或任何人的參與資格（僅具前瞻效力）。過往的報銷不產生任何既得權利。
2. 資格
2.1 只限公司已編配計劃級別的全職員工參與，並須連續受僱滿六個月後方始生效。生效日期前的診症不合資格。
2.2 資格於最後受僱日終止。只可在受僱期間提交申請，且僅限於合資格期間內的診症。
3. 可申報範圍
3.1 保障範圍、報銷比例、每次上限、年度限額、無索償獎金、等候期、提交期限及不保項目，均以本應用程式內的「計劃概要」為準，並構成本條款的一部分。如有牴觸，以本條款為準。
3.2 只接受香港現行註冊醫療人員發出的分項收據。收據須載有：(a) 病人姓名；(b) 診症日期；(c) 診斷或治療類別；(d) 分項金額（包括診金及藥物）；及 (e) 診所蓋章或醫療人員簽名。估價單、臨時發票及總額發票不予受理。同一診所就同一診症或當日跟進發出的多張收據，視為單一申請。
4. 每次申請的聲明
4.1 剔選聲明並簽署，即表示你就每次申請聲明：(a) 所提供資料及收據真實、完整、未經改動；(b) 診症由你本人接受，費用由你本人支付；(c) 你未曾亦不會就該費用的任何部分向保險人、僱主或其他來源索償；及 (d) 你接受本條款。
4.2 如費用任何部分可從其他途徑收回，你須於提交前（或得悉後立即）通知公司，並退還公司已就該部分支付的款項。
5. 證明、核實與審核
5.1 你授權公司向收據上的診所或醫療人員核實任何申請（包括已支付的過往申請），並可將任何申請與公司自身記錄（包括考勤及更表記錄）核對。
5.2 收據正本須於付款後保留至少六個月。公司可於付款前後要求出示正本；如未能應要求出示，申請可被拒絕或撤銷。
5.3 公司可隨時審核任何申請，包括已付款的申請。
6. 審批與付款
6.1 公司對批准、調整或拒絕任何申請有全權及最終決定權。獲批款項將於下一個可行的發薪日支付。
6.2 審批中的計算或行政錯誤不構成權利；公司可予以更正及調整。
7. 追討與虛假申請的後果
7.1 就虛假、不合資格、雙重索償、錯誤支付或其他不符合本計劃的申請所支付的款項，須由你作為債項退還。你明確同意公司可從本計劃日後的報銷中扣回該款項，並可在法律允許的範圍內從應付你的其他款項中抵銷。
7.2 提交虛假、誇大、經改動或拆單的申請屬嚴重違紀，可導致即時解僱，並可能構成刑事罪行，公司可報警處理。
8. 個人資料（私隱條例）
8.1 為管理本計劃，公司收集及處理：你的身份及僱傭資料；診症日期、醫療人員類別及診所名稱；收據影像（可能披露你的健康資料）；金額；及你簽署的申請記錄。
8.2 該等資料只用於管理、核實、審核及支付申請、薪酬及會計用途，以及履行法律責任；儲存於公司的 Google Workspace（Sheets 及 Drive），僅限計劃管理人及會計人員存取。
8.3 申請記錄按法定商業記錄要求保留七年後刪除。你可根據《個人資料（私隱）條例》（第486章）向計劃管理人要求查閱或改正你的個人資料。
8.4 你的資料絕不會用於市場推廣。提供資料屬自願，但欠缺資料則無法處理申請。計劃管理人為營運經理，可透過公司聯絡。
9. 一般條款
9.1 你不得轉讓本計劃下的任何權利。9.2 任何條文無效不影響其餘條文。9.3 本條款備有英文及中文版本，如有歧異以英文版為準。9.4 本條款受香港特別行政區法律管轄。9.5 非本條款一方的人士無權根據《合約（第三者權利）條例》（第623章）強制執行本條款。