Now you can enjoy complete peace of mind knowing you and your loved ones are fully protected against life’s surprises. Whether it’s a minor mishap or something more serious, our “One Family Choice” Protection Plan has the whole family covered from head to toe.
Benefits For You
No medical examination required for you, your spouse or children
Up to HK$2,000 Medical Expenses Reimbursement for injuries caused by accident
Up to HK$800 Daily Hospital Cash Benefit paid up to 90 days per accident (7 days in Mainland China) for Hospital Confinement due to an accident
Additional Overseas Trips Accidental Death Benefit3, 5, 6
An additional lump sum cash benefit4, 9 will be paid if the insured person dies during an overseas trip due to an accident while the policy is inforce.
Accidental Total and Permanent Disability Benefit3
A lump sum cash benefit4,9 will be paid if the insured person suffers from total and permanent disability due to an accident while the policy is inforce. This benefit is payable on top of any other insurance plan you may have and there is no limitation on the way of spending the benefit.
Accidental Medical Expenses Benefit7
If the insured person gets injured due to an accident while the policy is inforce, you will be reimbursed with the actual medical expenses incurred8 up to the maximum coverage4, 9per accident.
Accidental Daily Hospital Cash Benefit
If the insured person is confined in a hospital due to an accident while the policy is inforce, an Accidental Daily Hospital Cash Benefit4, 9 will be payable up to a maximum of 90 days per accident for each day of Hospital Confinement. Accidental Daily Hospital Cash Benefit is limited to 7 days per accident for hospital confinement in Mainland China.
A lump sum cash benefit will be paid if the insured person dies while the policy is inforce.
Medical Check Up Coupon
A medical check up coupon valued HK$300 will be offered for a successful enrollment.
Worldwide 24-hour coverage provides total peace of mind anywhere anytime.
During the promotional period, selected customers are not required to take medical examination for enrollment. Your spouse and children9 can also enjoy this privileged offer.
The company reserves the right to adjust the rate of premium by giving 2 months’ advance notice to the policyowners.
Issue age of main insured person (Age last birthday): Age 18-60. Insurable Age (Age last birthday):Adult: Age 18-70, Child:6 months - Age 18 or to Age 23 if he/she is a full-time student.
If Accidental Death Benefit or Additional Overseas Trips Accidental Death Benefit or Accidental Total and Permanent Disability Benefit is payable for an insured person, all other coverage with respect to that person will terminate. The policy will terminate upon termination of policyowner’s benefits
12 different plan levels are provided in this plan.
Additional Overseas Trips Accidental Death Benefit is not payable if Accident occurs in Mainland China, Hong Kong or Macau.
Additional Overseas Trips Accidental Death Benefit is payable only if the Accidental Death Benefit is paid or payable.
After the Insured Person attains age 65, Accidental Medical Expenses Benefit will be limited to one accident per year.
Chinese bone-setting and chiropractor treatment are excluded from Accidental Medical Expenses Benefit.
The benefit amount for each child is limited to 50% of the benefit amount for the policyowner while that for spouse is 100%.