AIA Dining Cover 2 is making its acclaimed comeback

Ever think that dining out would lead to an accident? AIA Dining Cover 2 has you covered!
AIA Dining Cover 2 provides outpatient and hospitalisation protection, covering accidents that arise from dining at restaurants booked through OpenRice, including Food Allergy, Food Poisoning and Bodily Injury (including Skin Burn). It even covers Traffic Accidents en route to and from the restaurant. You can also extend the dining coverage to your family according to your needs.

  • Covered booking period

    30 days

  • Issue age

    Policyowner (self)
    Age 18 to age 70
    Spouse
    Below age 70
    Child(ren)
    14 days to age 17

Apply now *For more information on limited-time offer of $0 premium, please refer to terms and conditions.

Make every dining experience more enjoyable
with our upgraded coverage

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30 days Covered Booking Period

Get unlimited protection when dining at restaurants booked through OpenRice

AIA Dining Cover 2

1. What is AIA Dining Cover 2?

AIA Dining Cover 2 is a general insurance product that provides accidental hospital income benefit, accidental death benefit and accidental outpatient benefit for designated accidents that directly resulting from covered restaurant booking. It is underwritten by AIA International Limited (a company incorporated in Bermuda with limited liability) ("AIA") and covers restaurant bookings in Hong Kong that are made through OpenRice platform (“booking”).

If you have any insurance related enquires or matters, please contact AIA directly (email: aia_eatbetter@aia.com). OpenRice is not carrying out any insurance regulatory activities, including providing any insurance related products, services, advice or recommendation.

For details, please click here to learn more.

2. What are the benefits of AIA Dining Cover 2?

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.

3. Who is eligible to apply AIA Dining Cover 2?

AIA Dining Cover 2 provides protection for:

Policyowner (self):
18 to 70 years old with a valid HKID

Spouse:
Legally married to policyowner and aged 70 or below with a valid HKID

Minor Child(ren):
14 days to 17 years old with a valid HKID or Hong Kong birth certificate, unmarried

All applicant(s) and insured(s) must be residing and locating in Hong Kong at the time of policy application.

4. How long is the covered booking period of AIA Dining Cover 2?

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.

5. Can I add friend(s) or other family member(s) as Insured?

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.

6. How can I purchase AIA Dining Cover 2?

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.

7. How can I forward the AIA Dining Cover 2 application to friends and family?
  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.

8. Do I need to activate AIA Dining Cover 2 to enjoy the benefits?

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.

9. If the Insured first seeks outpatient consultation, then confined and subsequently passes away directly due to a covered incident within the coverage period, will all the Accidental Outpatient Benefit, Accidental Hospital Income Benefit and Accident Death Benefit be paid?

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.

10. If the Insured first seeks outpatient consultation, then confined, or passes away as a result of 2 or more covered incidents (e.g. bodily injury and Food poisoning under the same covered booking), can the benefit be paid twice or more?

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.

11. 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, can the benefit be paid twice or more?

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
12. What will happen to the purchased AIA Dining Cover 2, if the restaurant booking date and/or time has been changed or cancelled?

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.

13. How can I check my AIA Dining Cover 2 policy information or file a claim?

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.

14. How long after an accident should the claim be filed?

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.

15. Can AIA cancel my AIA Dining Cover 2 policy?

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.

17. Who can I contact if I have enquiry about the product?

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

Account Registration and Linkage

1. How to download and install "AIA Connect" Mobile App?

Depending on the device, users can download the "AIA Connect" App from the Apple App Store or Google Play Store.

See our user guide for details: https://www.aia.com.hk/content/dam/hk/en/pdf/AIA-Connect-Download-Registration-EN.pdf

For further enquiries, please call our hotline at (852) 2232 8888 or send email to hk.customer@aia.com.

2. How to register "AIA Connect" account?

After installing the "AIA Connect" Mobile App, a New user can select "New User Registration". Follow the instructions to register an account by providing an Email address and Mobile number.

See our user guide for details:
https://www.aia.com.hk/content/dam/hk/en/pdf/AIA-Connect-Download-Registration-EN.pdf

For further enquiries, please call our hotline at (852) 2232 8888 or send email to hk.customer@aia.com.

3. I have registered "AIA Connect" account before but forgot the Login ID & Password. How could I retrieve the login details?

Users can select "Forgot login id/password" in the "AIA Connect" Mobile APP and follow the instructions to provide their Email and Mobile Number for Login ID recovery and password reset.

For further enquiries, please call our hotline at (852) 2232 8888 or send email to hk.customer@aia.com.

4. I did not receive "AIA Connect" new password. What shall I do?

About Login and Account Maintenance / Forgot Login Details / Did not receive new Password

After you have submitted the request for creating a new password, you will receive a new OTP within 1 hour (by SMS or email). If no mobile number has been registered in your Easy Login ID before, please note that the new password letter will be sent by post within 3 working days.

5. I did not receive One-Time-Passcode (OTP). What shall I do?

About Account Login and Maintenance / How to Login / AIA Connect

Users will be needed to authenticate with One-Time-Passcode (OTP) when logging in our AIA connect website.

OTP will be sent via your mobile number or email address registered on Easy Login ID. Please try to contact your telecom service providers or check your junk mail box in email if you are unable to receive the passcode.

For further assistance, please contact AIA customer service hotlines:

For Individual Life policyholders (Hong Kong)
  • Hotline number:
    (852) 2232 8888 or *1299 (for mobile phones only)
  • Service hours:
    Mon - Fri: 8:45 a.m. - 7:00 p.m. (open through lunch)
    Sat: 9:00 a.m. - 1:00 p.m.
    Sun / public holidays: Closed
For Individual Life policyholders (Macau)
  • Hotline number:
    (853) 8988 1822
  • Service hours:
    Mon - Fri: 8:45 a.m. - 5:15 p.m. (open through lunch)
    Sat / Sun / public holidays: Closed
For MPF / ORSO / Macau Pension members
  • Hotline number:
    (852) 2200 6288 (Hong Kong) or (853) 0800 272 (Macau)
  • Service hours:
    Mon - Fri: 9:00 a.m. - 9:00 p.m. (open through lunch)
    Sat: 9:00 a.m. - 1:00 p.m.
    Sun / public holidays: Closed
For Group Insurance members
  • Hotline number:
    (852) 2200 6333 (Hong Kong)
  • Service hours:
    Sat / Sun / public holidays: Closed
For AIA Vitality members
  • Hotline number:
    (852) 2232 8282 (Hong Kong) or (853) 0800 315 (Macau)
  • Service hours:
    Mon - Fri: 8:45 a.m. - 7:00 p.m. (open through lunch)
    Sat: 9:00 a.m. - 1:00 p.m.
    Sun / public holidays: Closed

Need Help?

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Learn more about AIA products & services

  • ^60 days from the start of Covered Booking Period.
  • # AIA Dining Cover 2 is underwritten by AIA International Limited (a company incorporated in Bermuda with limited liability) ("AIA"/ "We"/ "Our"). OpenRice is not carrying out any insurance regulatory activities, including providing any insurance related products, services, advice or recommendation. This webpage does not contain the full terms of the product and please find the full terms, including the definitions of capitalised terms in the product Terms and Conditions. This webpage is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of this product.
  • The information in related to the AIA Dining Cover 2 is for distribution in Hong Kong only.