1. Accidental hospital income benefit

Covering hospitalisation from food poisoning, food allergy, bodily injuries or traffic accidents from covered restaurant booking (HKD 800 hospital income per day, up to 10 days per covered booking for each insured during the coverage period* and 40 days per calendar year per insured across all AIA Dining Cover 2 policies).

When the incident happens as follow:

• Food poisoning (incurred within three days after the booking time)
• Food allergy (incurred within three days after the booking time)
• Bodily injury (incurred within one hour before or three hours after the booking time in the restaurant area, including skin burn)
• Traffic accident (incurred on the journey to and from the restaurant within three hours before and/or five hours after the booking time)

2. Accidental death benefit

HKD10,000 lump sum payment in case of insured's death from the above incidents during the coverage period* (We will pay the Accidental Death Benefit for the same insured person under all AIA Dining Cover 2 policies once only).

3. Accidental outpatient benefit

Covering outpatient consultation visits from skin burn and food poisoning (Up to HKD 300 claim per covered booking and maximum 1 covered booking per 7 calendar days during the coverage period*).

*i.e. 60 days from the start of Covered Booking Period

For details, please refer to AIA website, product brochure, product terms and conditions.

The covered booking period of AIA Dining Cover 2 starts from 3 hours and lasts until 30 days after the Certificate of Insurance is issued.

You can add your legally married spouse and minor, unmarried child(ren) as Insured.

You can forward the AIA Dining Cover 2 application link to them after your application, so that they can apply for the coverage as well.

For details, please click here to learn more.

You can see AIA Dining Cover 2 marketing banners in below channels, through which you can understand more about the product features of AIA Dining Cover 2 and apply for the product:

• AIA Dining Cover 2 website;
• Marketing banners on OpenRice App;
• Other third-party platforms

If you are dining with your friends and other family members, you can forward the AIA Dining Cover 2 application link to them after your application, so that they can apply for the coverage as well.

For details, please click here to learn more.

1. Click "Share" after completing AIA Dining Cover 2 application to copy share link
2. Paste and forward the link to friends and family
3. Friends and family click the link and be directed to AIA website to learn more about AIA Dining Cover 2 and to complete the application by filling simple personal information

For details, please click here to learn more.

No, you don’t. After you apply for AIA Dining Cover 2, you will receive the Certificate of Insurance by email. Three hours after the policy issuance, any of the restaurant bookings you have made via OpenRice within the covered booking period will be covered.

Yes, we will pay all the Accidental Outpatient Benefit, Accidental Hospital Income Benefit and Accidental Death Benefit if the insured seeks outpatient consultation, then confined and subsequently dies directly due to a covered incident.

If the Insured has to seek outpatient consultation, then confined, or passes away as a result of 2 or more covered incidents under the same covered booking, the benefit will only be paid once.

If the insured seek outpatient consultation, is confined, or passes away due to a covered incident in two or more covered bookings within the same covered booking period, the benefit limit is as follows:

• Accidental Hospital Income Benefit: Maximum 10 days per Covered Booking. Maximum 40 days per calendar year, for all AIA Dining Cover 2 policies issued in respect of the same Insured
• Accidental Death Benefit: Once only for all AIA Dining Cover 2 policies issued in respect of the same Insured
• Accidental Outpatient Benefit: Maximum 1 covered booking per 7 calendar days

If the new restaurant booking date is under the covered booking period, your booking will still be covered. If you cancel a restaurant booking, other bookings within the covered booking period will not be affected.

Restaurant booking where the Booking Time is 3 hours after the booking is made or last edited on the Booking Platform, whichever is later will be covered.

You may check your AIA Dining Cover 2 policy details or file a claim through below channels:

• AIA Dining Cover 2 policy confirmation SMS/ Email;
• AIA Dining Cover 2 marketing banner placed by AIA along the restaurant booking detail on OpenRice App (Only applicable to the customer who booked the restaurant via OpenRice platform);
• AIA Dining Cover 2 website, and click "Check now" button

Then, select 'Apply claim' under corresponding AIA Dining Cover 2 policy.

For details, please click here to learn more.

You are required to file a claim within 30 days after the date of outpatient visit or hospital discharge. In the event of death, please contact us for claims as soon as practicable.

We have the right to cancel your AIA Dining Cover 2 policy at any time by giving 14 days' notice in writing to you.

When the booking date falls within the 14 days' notice period, all benefit entitlements will follow standard terms and conditions.

When the booking date is beyond the 14 days' notice period, the policy will be cancelled at the end of 14 days' notice period and no coverage will be provided. We will refund the actual premium paid by you.

We will not cancel the policy if you have already attended to the restaurant before we issue the written notice. All benefit entitlements will follow standard terms and conditions.

AIA Dining Cover 2 is non-refundable. If you have any enquiries, please email the details to aia_eatbetter@aia.com.

For further enquiries, please email the details to aia_eatbetter@aia.com.

1. The promotion period of [AIA Dining Cover 2：Exclusive Offer] ("AIA Dining Cover 2 Campaign") is from March 10, 2025 (00:00) to December 31, 2025 (23:59) ("Campaign Period"). The Campaign Period is in Hong Kong time and is subject to the successful receipt of the redemption request by AIA’s server.
2. Participants must successfully register for AIA Dining Cover2 ("Eligible Participants") through social posts or promotional banners during the Promotion Period to receive a $50 OpenRice Promo Code ("Rewards"). Each eligible participants can receive the Reward once only.
3. The quota of Reward is limited at 3,000 on a first-come, first-served basis, while stocks last without further notice.
4. HK$50 OpenRice Promo Code will be distributed by AIA to Eligible Participants via the registered email provided by the Eligible Participants normally within 14-30 days upon successful application for the Product. If there are overwhelming responses, the Promo Code may be sent out at a later time without further notice.
5. AIA Dining Cover 2 is subject to its product terms & conditions.