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LAUGHING
Employee Voluntary Solutions – Dental
Period
Annual
Employee issue age
16 - 64 years
You can buy this from
Your Financial Planner
WHAT THIS PRODUCT IS ABOUT
By joining LAUGHING group dental insurance plan with an affordable premium payment, employees and their family members can receive quality services such as filling, extraction and yearly dental cleaning at any dental centre under our network.
Regular dental check-ups help to avoid oral diseases, and also identify dental problems promptly for treatment. Apart from the basic dental benefits, LAUGHING also offers intraoral X-ray, emergency treatment for toothache within regular consultation hours, as well as related medication.
VOLUNTARY DENTAL BENEFITS FOR EMPLOYEES
LAUGHING covers filling, extraction and annual dental cleaning.
what does it provide?
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Network Dental Benefits
Members can enjoy free dental services by a general dentist at any one of the dental centres under our network. Covered services include annual dental cleaning, filling or extraction for tooth decay, treatment of mild gum disease, as well as emergency treatment for toothache within regular consultation hours.
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Special Dental Offer
Members can enjoy a special discount when they receive other treatments not covered by this plan at a designated dental centre under our network.
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Doubled Accidental Death Benefit
If the member unfortunately passes away due to an accident, we will pay an Accidental Death Benefit of HK$150,000; and will double the amount, i.e. paying HK$300,000 if the fatal accident occurs when:
- he is a fare-paying passenger on any public transport
- he is injured in a traffic accident as a pedestrian
- flooding and/or landslide is caused by natural disaster in Hong Kong
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Compassionate Death Benefit
If the member unfortunately passes away while the Policy is active, we will pay a Compassionate Death Benefit of HK$1,000.
insurance lingo explained
Accidental Death Benefit
If the insured dies in an accident, we will give his beneficiary(ies) a lump sum to help them through this difficult situation.
Like what you've read? This is just a summary of our product. If you want more information, please contact your financial planner for a financial needs analysis.
IMPORTANT INFORMATION
- Employees must be the existing customers of AIA’s group insurance product.
- For policies that include benefits for employees’ family members, the above mentioned employee benefits are applicable to their family members as well.
ELIGIBILITY
Age of employees
- From 16 to 64 years old; those aged between 65 and 69 are allowed to renew their existing policy, but not to start a new one.
Age of employees’ family members
Spouse: From 16 to 64 years old; those aged between 65 and 69 are allowed to renew their existing policy, but not to start a new one.
Children: From the age of 15 days to 64 years; those aged between 65 and 69 are allowed to renew their existing policy, but not to start a new one.
VALIDITY
Protection up to age
- Protection is valid throughout employment up to the age of 69.
For updated details and prices of the special dental offer, please check with the specific clinic.
Excluded cases for network dental benefits include (but not limited to): emergency consultation outside office hours, check-up and treatment by a dental specialist instead of a general dentist, as well as fillings for reasons other than tooth decay. Please refer to the policy for details.
All information here is for reference only. Please refer to the policy for the definition of any capitalised terms and the exact terms & conditions.
“AIA”, “we” or “our” used here refers to AIA International Limited (Incorporated in Bermuda with limited Liability).