100% Reward For You Accident Protector

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Merits of Achievement in Banking and Finance 2012-2022

Best in Insurance

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Insurance Excellence Awards 2019

Living at Ease Rewarding your future

In this ever-changing world, the best security for ourselves and our loved ones against unpredictable accidents is to have a comprehensive accident protection plan.

As the saying goes “The first wealth is health.” 100% Reward For You Accident Protector (“the Plan”) delivers an integrated 24-hour worldwide accident protection concept, providing protection in areas including accident-related disablement, accidental or non-accidental death, accident-related medical expenses and hospitalization as a result of accident. So you can live at ease and be free from worry about what you cannot control, while enjoying a 100% guaranteed premium refund to reward your future when your policy reaches its 10th anniversary.

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Integrated 24-hour Worldwide Accident Protection

Double Benefit

Guaranteed Refund of Premiums

Non-accidental Death Benefit

Green Burial Benefit (First in HK and Macau)

Accidental Death and Disablement Benefit¹ of up to HK$ / MOP4,000,000
Accidental Medical Expense Benefit² of up to HK$ / MOP30,000
Accidental Hospital Cash Benefit of up to HK$ / MOP2,000

Notes:
^1.The maximum aggregate benefit under Accidental Death and Disablement Benefit is 100% of the Sum Insured (excluding any additional payment from Double Benefit). Upon such aggregate payments reaching 100% of the Sum Insured, the policy will terminate.
^2.If the eligible medical expenses have been reimbursed under any government law or any other insurance plans or by any other institutions, the Insured will only be reimbursed with any excess of the actual eligible expenses over the reimbursement amount under government law or other insurance plans or by other institutions.

Accidental Death and Disablement Benefit will be paid double^3,4under 5 conditions

Notes:
^3.Double Benefit is only applicable and payable to the benefits under Accidental Death and Disablement Benefit.
^4.The Double Benefit shall only be paid once for each accident, even if two or more of the conditions are met.

100% Refund of Premiums⁵ from the 10th policy anniversary and onwards
No deduction of any claims paid

Notes:
^5.Should the policy owner surrender the policy or the policy is terminated due to grace period ends before the 10th policy anniversary, the policy owner will receive a percentage of total premiums paid or may not receive any of the premium paid. If the policy owner surrender the policy or the policy is terminated due to grace period ends or not being renewed during annual renewal on or after the 10th policy anniversary, the policy owner will still receive the full portion of premiums paid.

Guaranteed refund of all premiums paid to the beneficiary
No deduction of any claims paid

In the unfortunate event that the Insured passes away, the beneficiary will be paid an additional amount of HK$ / MOP10,000 if the family and friends opt for a green burial arrangement^6,7

Notes:
^6.To apply for the one-off Green Burial Benefit, beneficiary is required to submit a document of proof of the green burial arrangement issued by the national or local government where the Insured is interred. The allowance is a one-off payment of HK$ / MOP10,000 regardless the number of policies in the Company the Insured who passes away is covered under. Our company reserves the right of final decision on the payment of the benefit.
^7.Based on the similar types of plan in the Hong Kong and Macau market, as of the print date of this brochure in April 2023.