To be eligible for free travel insurance, (a) either one or more of the following has/have been purchased or settled by the principal cardholder with his/her Citi PremierMiles Card: (1) the in/outward-bound travel tickets to/from Hong Kong; (2) the accommodation cost for the entire journey; (3) the tour package; or (b) in the event that condition (a) above is not satisfied but instead one or more of the items stated in (1), (2) and (3) above has been acquired with points earned by a rewards program, any additional costs (including tax and fuel surcharge and any fees which is required to be paid according to any local requirement (if applicable)) must be paid by the principal cardholder with his/her Citi PremierMiles Card.