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Accident & Other Protections
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  • PAC Select 2

    Accident & Other Protections

    Period

    Annual

    Issue age

    15 Days - 70 Years (Accidental Death & Dismemberment Benefit / accidental medical expenses Dismemberment benefit)

    Age 18 -60 (Daily Hospital Income Benefit)

    You can buy this from

    YOUR FINANCIAL PLANNER


    WHAT THIS PRODUCT IS ABOUT

    We understand the after-effects of an accidental injury, whether these are growing medical expenses or the pressure of returning to work before you have recovered.

    That is why we designed PAC Select 2, an accident insurance add-on plan that offers protection against the consequences of hospitalisation and medical costs following an accidental injury, disability and death. It is a flexible plan that provides you with a financial lifeline during unforeseen critical moments.

    Limited time offer

    Apply now to enjoy up to 5.5 months premium refund.


    Terms & conditions apply. Details please download and refer to the promotion leaflet


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    PROTECTION FOR LIFE’S JOURNEYS

    what does it provide?

    • Accidental Death & Dismemberment Benefit
      Accidental Death & Dismemberment Benefit

      When an accident happens, you do not want to be worrying about mounting bills, household expenses and mortgage payments. If any of the injuries listed in the Benefits Schedule for Accidental Death & Dismemberment Benefit in product brochure occurs within 180 days after an accident involving the person protected under the add-on plan, PAC Select 2 will pay a lump sum Accidental Death & Dismemberment Benefit according to the benefits schedule in product brochure to help manage expenses.

    • Permanent Total Disability Benefit
      Permanent Total Disability Benefit

      If an accident leaves the person protected under the add-on plan who is at the age of 18 or above totally and permanently disabled within 180 days from the date of an accident, and the person protected under add-on plan remains totally and permanently disabled for 12 consecutive months, PAC Select 2 will pay a Permanent Total Disability Benefit, giving much-needed financial support.

       

      When such diagnosed disability has continued for 12 months consecutively, the person protected under the add-on plan will receive a monthly payment equal to 1% of the sum assured beginning from the 13th month, up to 100 months.

      Regardless of the number of accidents and covered losses, provided that the benefit paid under the Accidental Death & Dismemberment Benefit and / or Permanent Total Disability Benefit has not reached 100% of the sum assured, the benefit can still be claimed. After reimbursements of Accidental Death & Dismemberment Benefit and / or Permanent Total Disability Benefit, the sum assured and premium will be reduced respectively.

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    • Double Indemnity Benefit
      Double Indemnity Benefit

      Accidents can happen anywhere, at any time. In the unfortunate event of death, dismemberment or permanent total disability due to an accident related to any of the following, the sum assured will be doubled under the Double Indemnity Benefit where the person protected under the add-on plan was:

       

      • a fare paying passenger travelling on marine, land or air public transportation, e.g. ferry, bus, coach, train / MTR, taxi or airplane and etc.
      • riding in a passenger-carrying elevator (excluding elevators of a mine or construction site)
      • injured in fire in a theatre, public auditorium, hotel, school or hospital
      • a pedestrian injured in a traffic accident and / or struck by any motor-driven / powered vehicle
      • injured in natural flooding or landslide in Hong Kong or Macau
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    • Compassionate Death Benefit
      Compassionate Death Benefit

      If the worst should happen and the person protected under the add-on plan passes away, PAC Select 2 will pay the beneficiary a lump-sum amount of 1% of the sum assured as a Compassionate Death Benefit. The payable sum of Compassionate Death Benefit is capped at HK$/MOP10,000 or US$1,300 per life for all such policies held with the Company.

    • Renewal Benefit
      Renewal Benefit

      To give you additional protection, the Renewal Benefit will automatically increase the cover for the Accidental Death & Dismemberment Benefit / Permanent Total Disability Benefit by 5% of the sum assured each year during the first 5 policy years capped at maximum 25%, without the need to pay additional premiums. Regardless of the number of policies carried with the Company, the total payable sum of Renewal Benefit is capped at HK$/MOP200,000 or US$25,000.

       

    • Worldwide Emergency Assistance Services
      Worldwide Emergency Assistance Services

      If the person protected under the add-on plan is a permanent resident of Hong Kong, Macau, or the People's Republic of China, we offer emergency assistance services to the person protected under the add-on plan anywhere in the world, including:

       
      • emergency medical evacuation and repatriation of remains, with per life limit up to HK$/MOP5,000,000 or US$625,000 under all policies held with us and AIA Company Limited covering the same person protected under the add-on plan
      • 24-hour worldwide telephone enquiry services
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    • Accidental Medical Expenses Reimbursement Benefit
      Accidental Medical Expenses Reimbursement Benefit

      If the person protected under the add-on plan is injured in an accident, we will reimburse the reasonable and customary medical expenses incurred within 52 weeks after the accident, up to the maximum limit per accident for the person protected under the add-on plan. A range of necessary medicines, treatments and services are covered.

    • Daily Hospital Income Benefit
      Daily Hospital Income Benefit

      If the person protected under the add-on plan who is at the age of 18 or above is hospitalised due to an illness or accidental injury, a Daily Hospital Income Benefit will be payable for each day of hospitalisation, up to a maximum of 90 days for same confinement which is caused by each covered injury or covered illness.

    • Benefits, cover & premium
      Benefits, cover & premium

      PAC Select 2 allows you to purchase exactly the cover you want. At the time of application, an adult must be between the age of 18 and 70 (for Daily Hospital Income Benefit, the age of the person protected under the add-on at policy issue is between the age of 18 and 60), and a minor between 15 days and the age of 17. The benefit term of this plan for Accidental Death & Dismemberment Benefit / Accidental Medical Expenses Reimbursement Benefit is up to the age of 76, and that for Daily Hospital Income Benefit is up to the age of 65, or until the basic plan matures, is surrendered or terminated, whichever is earlier.

       

      The premium payable will be calculated according to the benefits and sum assured. You have to apply for the basic benefits (which include the Accidental Death & Dismemberment Benefit) as a precedent to apply for the optional benefits (which include the Accidental Medical Expenses Reimbursement Benefit and Daily Hospital Income Benefit). The Company reserves the right to revise the premium from time to time.

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    • A currency that suits you
      A currency that suits you

      This add-on plan can attach to any specific basic plan in order to provide a wide range of cover. In addition, the currency of this add-on plan should correspond with the attached basic plan, which may be in US dollars, HK dollars or Macau pataca (if the policy is issued in Macau).

    insurance lingo explained

    Premium

    This is the fee you pay us for your policy.


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    IMPORTANT INFORMATION

    IMPORTANT INFORMATION
    - Collapse + Expand
    1. All information here is for reference only. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of coverage.
    2. We would like to remind you to review the relevant product materials and proposal illustrations (if applicable) provided to you and seek independent professional advice if necessary.
    Key Product Risks
    1. This plan is an add-on plan. You need to pay the premium(s) for the plan with basic benefits and / or Accidental Medical Expenses Reimbursement Benefit until the end of cover period immediately following your 75th birthday or for the plan with Daily Hospital Income Benefit until the end of cover period immediately following your 64th birthday.


    2. We will terminate your add-on plan and you / the person protected under the add-on plan will lose the cover when one of the following happens:
      1. the person protected under the add-on plan passes away;
      2. you do not pay the premium of basic plan and / or this add-on plan within 31 days of the premium due date, whichever is earlier;
      3. aggregate payment of the Accidental Death & Dismemberment Benefit and / or Permanent Total Disability Benefit payment have reached 100% of the sum assured;
      4. the attached basic plan matures, is surrendered, terminated or converted to a non-participating insurance plan;
      5. anniversary of your cover immediately following the 76th birthday of the person protected under the add-on plan (for the Basic Benefits and / or Accidental Medical Expenses Reimbursement Benefit);
      6. anniversary of your cover immediately following the 65th birthday of the person protected under the add-on plan (for the Daily Hospital Income Benefit);
      7. when the Accidental Death & Dismemberment Benefit / Permanent Total Disability Benefit is terminated, the selected Accidental Medical Expenses Reimbursement Benefit and / or Daily Hospital Income Benefit will also be terminated.
    3. If you choose Accidental Medical Expenses Reimbursement Benefit, we reserve the right to terminate this optional benefit at any time by giving a 30-day prior written notice to you. Upon termination, our liability is limited to the refund of unearned portion of premium.

    4. We issue the policy and decide your premium based on the occupation class of the person protected under the add-on plan. You must immediately notify us of any change of occupation; we will recalculate your premium and / or purchasable amount of benefit based on the occupation class of such new occupation.

    5. We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, the person protected under the add-on plan may lose his cover and you may lose the remaining premium for that policy year.

    6. You are subject to exchange rate risks for plans denominated in currencies other than the local currency. Exchange rates fluctuate from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks.

    7. Your current planned benefit may not be sufficient to meet any future needs since the future costs of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, you may receive less in real terms even if we meet all of our contractual obligations.

    Key Exclusions

    Under basic benefits, we will not cover conditions that result from any of the following events (also applicable for Accidental Medical Expenses Reimbursement Benefit and Daily Hospital Income Benefit):

    • war, invasion, insurrection, revolution, use of military power or usurpation of government or military power;
    • violation or attempted violation of the law or resistance to arrest;
    • the person protected under the add-on plan engaging in or taking part in naval, military or air force service or operations;
    • the person protected under the add-on plan engaging in air travel (except as a fare paying passenger in any properly licensed aircraft);
    • suicide or attempted suicide or self-inflicted injury or deliberate exposure to exceptional danger (except in an attempt to save human life), or is sustained whilst the person protected under the add-on plan is in a state of insanity;
    • pregnancy, miscarriage, childbirth or any complications concerning therewith
    • any kind of disease or illness (except the covered injury or covered illness of Daily Hospital Income Benefit);
    • any pre-existing condition;
    • engaging in a sport in a professional capacity or the person protected under the add-on plan that could or may earn income from engaging in such sport;
    • duty as a professional driver outside of Hong Kong or Macau;
    • assault, murder, riot, civil commotion, strikes or making an arrest while the person protected under the add-on plan is employed as a full or part-time police officer, or cadet officer or is an officer or member of the Correctional Services Department;
    • riot, civil commotion or strikes while the person protected under the add-on plan is employed as a fireman or is on duty as a fireman in the course of extinguishing fires or protecting life and property in case of fire; or
    • mental, nervous or sleep disorders, treatment of alcoholism, drug abuse or any other complications arising therefrom, or accident caused by and whilst under the influence of drugs or alcohol.

    Accidental Medical Expenses Reimbursement Benefit, in addition to the above key exclusions of basic benefits, will not cover the following:

    • medical expenses or hospitalisation charges incurred for general check-up, convalescence, custodial or rest care, cosmetic or other elective surgery, or congenital anomalies that gives rise to signs or symptoms, or is diagnosed, before the person protected under the add-on plan attains 17 years of age
    • dental care or surgery, apart from the surgery necessitated by injury caused by an accident

    Daily Hospital Income Benefit, in addition to the above key exclusions of basic benefits, will not cover the following:

    • treatment or surgery for tonsils, adenoids, hernia or a disease peculiar to the female generative organs unless the person protected under the add-on plan has been continuously covered under this policy for a period of 120 days immediately preceding such treatment or surgery
    • cosmetic or plastic surgery, elective surgery, dental care or surgery (apart from reconstructive surgery necessitated by injury caused by an accident)
    • routine health checks, screening and preventive care / checking, investigations not directly related to admission, diagnosis, illness or injury, or any treatment or investigation which is not medically necessary, or convalescence, custodian or rest care
    • AIDS or any complications associated with HIV infection
    • any treatment or investigation which is not medically necessary or consistent in accordance with standards of good medical practice
    • any fees and medical services that are not reasonable and customary

    The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.


    Product Limitations
    1. Cover for specific items will become effective on the following dates:
      1. Covered Injury: Immediately
      2. (for the Daily Hospital Income Benefit) Covered Illness: 30 days
      3. (for the Daily Hospital Income Benefit) Treatment of surgery for tonsils, adenoids, hernia or a disease of the female reproductive organs: 120 days

    2. Accidental Death & Dismemberment Benefit and Permanent Total Disability Benefit

      These benefits are only applicable for the loss resulted from a covered injury within 180 days after an accident. The loss must be listed in the Benefits Schedule for Accidental Death & Dismemberment Benefit in product brochure or defined as a permanent total disability.

      In the event that a series of losses shall arise out of the same accident, benefit shall only be paid for one of the losses, for which the amount of benefit payable shall be the greatest amount of benefit as shown in the Benefits Schedule for Accidental Death & Dismemberment Benefit in product brochure.

      The Permanent Total Disability Benefit is not available to any person protected under the add-on plan at the age of 17 or below.

    3. Accidental Medical Expenses Reimbursement Benefit

      This benefit is only applicable for the reasonable and customary charges for actual medical expenses incurred within 52 weeks from the date of an accident.

    4. Daily Hospital Income Benefit
      1. If the surgical procedure is not performed within the covered areas, the Daily Hospital Income Benefit will be:
        1. reduced by 50% for each confinement;
        2. limited to a maximum of 90 days for same confinement which is caused by each covered injury or covered illness; and
        3. subject to a maximum limit of HK$/MOP480 or US$60 for each day of confinement

        The covered areas are as follows: Hong Kong, Macau, Malaysia, Thailand, Taiwan, Japan, South Korea, Singapore, United States of America, Australia, New Zealand, Canada, Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City.

      2. If the person protected under the add-on plan is confined due to the same cause including any and all complications, we will only pay the Daily Hospital Income Benefit once. We will regard multiple periods of confinement as part of the same confinement if they:
        1. relate to the same (or a related) covered injury or covered illness, or to any related complications; and
        2. are separated less than 90 days (excluding the date of admission or discharge).
           
    5. Medically necessary and reasonable and customary charges

      We only cover the charges and / or expenses of the person protected under the add-on plan on medically necessary and reasonable and customary basis.

      “Medically necessary” means that the medical services, diagnosis and / or treatments are:
      1. delivered according to standards of good medical practice;
      2. necessary; and
      3. cannot be safely delivered in a lower level of medical care.
      Experimental, screening, and preventive services or supplies are not considered medically necessary.

      “Reasonable and customary” means:
      1. the medical services, diagnosis and / or treatments are medically necessary and delivered according to standards of good medical practice;
      2. the costs of your medical services and the duration of your hospital stay are not more expensive or longer than the usual level of charges or duration for similar treatment in the locality of such services delivered; and
      3. does not include charges that would not have been made if no insurance existed.
      We may adjust any and all benefits payable in relation to any hospital / medical charges which is not a reasonable and customary charge.


    Premium Adjustment

    In order to provide you with continuous protection, we will review the premium of your plan from time to time and adjust it at the end of policy year if necessary. During the review, we may consider factors including but not limited to the following:

    • claim costs incurred from all policies under this plan and the expected claim outgo in the future, which reflect the impact of change in the incidence rates of accidental deaths and dismemberments / permanent total disabilities, medical trends and medical cost inflation (where applicable)
    • historical investment returns and the future outlook of the product's backing asset
    • policy surrenders and lapses
    • expenses directly related to the policy and indirect expenses allocated to this product

    Claim Procedure
    Any claim for death must be notified to us in writing immediately. Otherwise, if you wish to make a claim, you must notify us in writing within 20 days from the date of the accident causing the injury, and send us the appropriate forms and relevant proof within 90 days from the date of the accident. You can get the appropriate forms from your financial planner, by calling the AIA Customer Hotline (852) 2232 8888 in Hong Kong, or (853) 8988 1822 in Macau, or by visiting aia.com.hk or any AIA Customer Service Centre.

    Cancellation Right
    • You have the right to cancel and obtain a refund of any premiums and any levy paid by giving written notice to us.
    • Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong or the Customer Service Centre of AIA International Limited at Unit 1903, 19/F, AIA Tower, 251A-301 Avenida Comercial de Macau, Macau within 21 calendar days immediately following either the day of delivery of the policy or the Cooling-off Notice to you or your nominated representative , whichever is the earlier.

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    Contact aia

    To fight against COVID-19 and in response to the government’s latest anti-pandemic measures, effective 2 December 2020, we will have new arrangements on the following services until further notice. We are sorry for any inconvenience that may cause.

    Hong Kong

    • Customer Service Centres & Cashier Offices:
      • For Customer Service Centre & its Cashier Office located in North Point, service hours will be adjusted to 10am – 5pm, Monday to Friday. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).
      • Customer Service Centres & its Cashier Office located in Kwun Tong will suspend their service.

    • Hotline Services:
      • All hotline services will remain normal.

     

    Macau

    • Customer Service Centres & Hotline Service:
      • Monday - Friday; 10am - 4pm

    • Cashier Office:
      • Monday - Friday; 8:45am – 5:15pm.

    Hong Kong

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri: 8:45am – 6pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Macau

    (853) 8988-1822

    1903, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau

    Mon-Fri: 8:45am – 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Contact aia

    To fight against COVID-19 and in response to the government’s latest anti-pandemic measures, effective 2 December 2020, we will have new arrangements on the following services until further notice. We are sorry for any inconvenience that may cause.

    Hong Kong

    • Customer Service Centres & Cashier Offices:
      • For Customer Service Centre & its Cashier Office located in North Point, service hours will be adjusted to 10am – 5pm, Monday to Friday. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).
      • Customer Service Centres & its Cashier Office located in Kwun Tong will suspend their service.

    • Hotline Services:
      • All hotline services will remain normal.

     

    Macau

    • Customer Service Centres & Hotline Service:
      • Monday - Friday; 10am - 4pm.
    • Cashier Office:
      • Monday - Friday; 8:45am – 5:15pm.

    Hong Kong

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri: 8:45am – 6pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Macau

    (853) 8988-1822

    1903, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau
     
    Mon-Fri: 8:45am – 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

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