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Prepare yourself for the unknown future today
360 Global Accident Protector offers 3 protection levels - Essential, Advance, and Premier - allowing you to enjoy 24-hour worldwide protections with appropriate support in the unfortunate event of disability, dismemberment, or death. You also have the flexibility to choose your preferred Sum Insured option that suits your financial needs and a carefree lifestyle!
Essential protection level
Advance protection level
Premier protection level
Accidental Death Benefit1,2 - If the Insured passes away within 90 days after an accident, the Plan will pay the beneficiary a lump-sum of 100% of the Sum Insured
Accidental Disablement Benefit and Accidental Total & Permanent Disability Benefit1,2 - If the accidental bodily injury causes the Insured to suffer disablement or total and permanent disability within 90 days after an accident, a lump-sum payment of up to 100% of the Sum Insured will be provided
Double Benefit3,4 - In the unfortunate event of death, disablement, or total and permanent disability due to an accident relating to any of the 3 specific conditions within 90 days after an accident, the Accidental Death Benefit, Accidental Disablement Benefit or Accidental Total & Permanent Disability Benefit will be doubled
Green Burial Benefit5 (First in HK & Macau)6 - If family and friends opt for a green burial by the scattering of cremains in gardens of remembrance or at sea as a form of funeral ritual for the Insured whose passing was caused by an accident, an additional amount of HK$/MOP10,000 will be paid to the beneficiary
24-Hour Worldwide Coverage7 - Wherever in the world you happen to be, it is comforting to know that this benefit protects you 24 hours a day, 365 days a year
Notes
1. The maximum aggregate benefit per accident for Accidental Temporary Disability Income, Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit is 100% of the Sum Insured (excluding the additional payment from Double Benefit).
2. The maximum aggregate benefit under this Plan for Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit is 100% of the Sum Insured (excluding the additional payment from Double Benefit). Upon such aggregate payments reaching 100% of the Sum Insured, the policy will terminate.
3. Double Benefit is only applicable and payable to the benefits under Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit.
4. The Double Benefit shall only be paid once for each accident, even if two or more of the conditions are met.
5. 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 US$1,250/HK$/MOP10,000 regardless the number of policies in the Company the Insured who passed away is covered under. Our company reserves the right of final decision on the payment of the benefit.
6. Based on the similar types of plan in the Hong Kong and Macau market, as of the print date of this brochure in January 2023.
7. Because some geographical regions may be subject to benefit adjustment or uninsurability, please refer to “Important Information” or consult with your insurance intermediary for more details.
Accidental Death Benefit1,2 - If the Insured passes away within 90 days after an accident, the Plan will pay the beneficiary a lump-sum of 100% of the Sum Insured
Accidental Disablement Benefit and Accidental Total & Permanent Disability Benefit1,2 - If the accidental bodily injury causes the Insured to suffer disablement or total and permanent disability within 90 days after an accident, a lump-sum payment of up to 100% of the Sum Insured will be provided
Double Benefit3,4 - In the unfortunate event of death, disablement, or total and permanent disability due to an accident relating to any of the 5 specific conditions within 90 days after an accident, the Accidental Death Benefit, Accidental Disablement Benefit or Accidental Total & Permanent Disability Benefit will be doubled
Accidental Medical Expense Allowance8 - A reimbursement of actual medical expenses8 will be paid of up to 3% of the Sum Insured, per accident, within 52 weeks after an accident. There is no limit to the number of accidents for which the Accidental Medical Expense Allowance is payable
Accidental Hospitalization Allowance - If the Insured is hospitalized for 8 hours or more due to accidental bodily injury, an Accidental Hospitalization Allowance of 1% of Sum Insured per week will be paid, maximum HK$/MOP14,000 (for working Insured) or HK$/MOP4,200 (for non-working Insured) per week, for up to 52 weeks per accident
Green Burial Benefit5 (First in HK & Macau)6 - If family and friends opt for a green burial by the scattering of cremains in gardens of remembrance or at sea as a form of funeral ritual for the Insured whose passing was caused by an accident, an additional amount of HK$/MOP10,000 will be paid to the beneficiary
24-Hour Worldwide Coverage7 - Wherever in the world you happen to be, it is comforting to know that this benefit protects you 24 hours a day, 365 days a year
Notes
1. The maximum aggregate benefit per accident for Accidental Temporary Disability Income, Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit is 100% of the Sum Insured (excluding the additional payment from Double Benefit).
2. The maximum aggregate benefit under this Plan for Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit is 100% of the Sum Insured (excluding the additional payment from Double Benefit). Upon such aggregate payments reaching 100% of the Sum Insured, the policy will terminate.
3. Double Benefit is only applicable and payable to the benefits under Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit.
4. The Double Benefit shall only be paid once for each accident, even if two or more of the conditions are met.
5. 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 US$1,250/HK$/MOP10,000 regardless the number of policies in the Company the Insured who passed away is covered under. Our company reserves the right of final decision on the payment of the benefit.
6. Based on the similar types of plan in the Hong Kong and Macau market, as of the print date of this brochure in January 2023.
7. Because some geographical regions may be subject to benefit adjustment or uninsurability, please refer to “Important Information” or consult with your insurance intermediary for more details.
8. If the Insured is entitled to a reimbursement of accidental medical expenses, discharge transportation fees and / or medical appliances charges 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 expenses over the reimbursement amount under government law or other insurance plans or by other institutions.
Accidental Death Benefit1,2 - If the Insured passes away within 90 days after an accident, the Plan will pay the beneficiary a lump-sum of 100% of the Sum Insured
Accidental Disablement Benefit and Accidental Total & Permanent Disability Benefit1,2 - If the accidental bodily injury causes the Insured to suffer disablement or total and permanent disability within 90 days after an accident, a lump-sum payment of up to 100% of the Sum Insured will be provided
Double Benefit3,4 - In the unfortunate event of death, disablement, or total and permanent disability due to an accident relating to any of the 5 specific conditions within 90 days after an accident, the Accidental Death Benefit, Accidental Disablement Benefit or Accidental Total & Permanent Disability Benefit will be doubled
Accidental Medical Expense Allowance8 - A reimbursement of actual medical expenses8，will be paid of up to 6% of the Sum Insured, per accident, within 52 weeks after an accident. There is no limit to the number of accidents for which the Accidental Medical Expense Allowance is payable
Accidental Hospitalization Allowance - If the Insured is hospitalized for 8 hours or more due to accidental bodily injury, an Accidental Hospitalization Allowance of 1.5% of Sum Insured per week will be paid, maximum HK$/MOP14,000 (for working Insured) or HK$/MOP4,200 (for non-working Insured) per week, for up to 52 weeks per accident
Accidental Temporary Disability Income9 (only applicable to Hong Kong / Macau working Insured) - If the Insured suffers from a temporary disability for 7 days or more due to accidental bodily injury, presenting since the date of accident, an Accidental Temporary Disability Income will be payable for up to 52 weeks per accident.
Discharge Transportation Allowance8,10 - If the Insured is hospitalized for 8 hours or more due to accidental bodily injury, the single-fare transportation on the date of discharge will be reimbursed, in the amount of up to HK$/MOP400.
Medical Appliance Allowance8,10 - Subject to written medical proof provided by a registered doctor, registered physiotherapist and registered chiropractor, if the Insured is hospitalized for 8 hours or more due to accidental bodily injury and is deemed as medically necessary to rely on designated medical appliances as a part of the recovery treatment, the Insured is eligible for reimbursement for the medical appliance in the amount of up to HK$/MOP2,000.
Green Burial Benefit5 (First in HK & Macau)6 - If family and friends opt for a green burial by the scattering of cremains in gardens of remembrance or at sea as a form of funeral ritual for the Insured whose passing was caused by an accident, an additional amount of HK$/MOP10,000 will be paid to the beneficiary
24-Hour Worldwide Coverage7 - Wherever in the world you happen to be, it is comforting to know that this benefit protects you 24 hours a day, 365 days a year
Notes
1. The maximum aggregate benefit per accident for Accidental Temporary Disability Income, Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit is 100% of the Sum Insured (excluding the additional payment from Double Benefit).
2. The maximum aggregate benefit under this Plan for Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit is 100% of the Sum Insured (excluding the additional payment from Double Benefit). Upon such aggregate payments reaching 100% of the Sum Insured, the policy will terminate.
3. Double Benefit is only applicable and payable to the benefits under Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit.
4. The Double Benefit shall only be paid once for each accident, even if two or more of the conditions are met.
5. 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 US$1,250/HK$/MOP10,000 regardless the number of policies in the Company the Insured who passed away is covered under. Our company reserves the right of final decision on the payment of the benefit.
6. Based on the similar types of plan in the Hong Kong and Macau market, as of the print date of this brochure in January 2023.
7. Because some geographical regions may be subject to benefit adjustment or uninsurability, please refer to “Important Information” or consult with your insurance intermediary for more details.
8. If the Insured is entitled to a reimbursement of accidental medical expenses, discharge transportation fees and / or medical appliances charges 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 expenses over the reimbursement amount under government law or other insurance plans or by other institutions.
9. Accidental Temporary Disability Income is only applicable to working Insured who is Hong Kong or Macau resident. When the aggregate payments of Accidental Temporary Disability Income have reached 100% of the Sum Insured, the benefit will be ceased.
10. Discharge Transportation Allowance and Medical Appliance Allowance are payable only after the Accidental Hospitalization Allowance has been paid.
Issue Age (At Last Birthday)
Essential protection level：Age 0 - 70
Advance protection level：Age 0 - 70
Premier protection level：Age 18 - 60
Benefit Term
Essential protection level：To age 80
Advance protection level：To age 75
Premier protection level：To age 65
Premium Payment Term
Essential protection level：To age 80
Advance protection level：To age 75
Premier protection level：To age 65
