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Accident & Other Protections
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  • Runner Guard

    Accident & Other Protections

    Period

    1 DAY/ 3 DAYS

    30 DAYS/ 90 DAYS

    Issue age

    18 – 70 YEARS

    You can buy this from

    YOUR FINANCIAL PLANNER OR AIA iShop


    WHAT THIS PRODUCT IS ABOUT

    Running with the wind in your hair is a satisfaction like no other, but sports-related injuries are unfortunately commonplace. That’s why AIA’s Runner Guard offers protection specifically tailored to professional and amateur runners, covering you for a range of running-related injuries from the start of your event to the finish line.

    Should a covered injury occur between the starting and finishing lines, we will pay you a lump sum to help cover the cost of treatment, recovery or time off work. That way, you can do your best knowing we’ve got you covered – no matter what.

    • BUY NOW BUY NOW
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    Always give your best race and trust our support

    Always give your best race and trust our support

    what does it provide?

    • CARDIAC ARREST, COMA, PERMANENT LOSS OF LIMB OR LOSS OF SIGHT, DEATH
      CARDIAC ARREST, COMA, PERMANENT LOSS OF LIMB OR LOSS OF SIGHT, DEATH

      Runner Guard will pay 100% of the sum assured in the unfortunate event that happened within the Covered Duration of Participation:

      • the person protected under the policy suffers and survives cardiac arrest;
      • the person protected under the policy suffers a state of unconsciousness that persists continuously for at least 48 hours, due to an accident;
      • the person protected under the policy suffers permanent loss of limb or loss of sight; or
      • the worst happens, and the person protected under the policy passes away

    • EXERTIONAL HEAT STROKE
      EXERTIONAL HEAT STROKE

      If the person protected under the policy, suffers exertional heat stroke within the Covered Duration of Participation and is hospitalised for at least 24 hours as a result, Runner Guard will pay a lump-sum benefit of HK$10,000 per accident.

    • TENDON RUPTURE AND LIGAMENT TEAR
      TENDON RUPTURE AND LIGAMENT TEAR

      If the person protected under the policy suffers one or more covered muscle ruptures or ligament tears in an accident within the Covered Duration of Participation and undergoes surgery, Runner Guard will pay 10% of the sum assured. If the medical treatment received by the person protected under the policy does not involve surgery, Runner Guard will also pay a lump-sum benefit of HK$5,000.

       

      READ MORE
      Tendon Rupture and Ligament Tear
    • BONE FRACTURE
      BONE FRACTURE

      If the person protected under the policy suffers one or more covered bone fractures in an accident within the Covered Duration of Participation and undergoes surgery, Runner Guard will pay 5% of the sum assured. If the medical treatment received by the person protected under the policy does not involve surgery, Runner Guard will also pay a lump-sum benefit of HK$5,000.

       

      READ MORE
      Bone Fracture
    • Dislocation of Joint
      Dislocation of Joint

      If the person protected under the policy suffers a first-time dislocation in a covered joint within the Covered Duration of Participation due to accident and requires orthopaedic medical management, Runner Guard will pay a lump-sum benefit of HK$3,000 for the first-time dislocation.

       

      READ MORE
      Dislocation of Joint
    • WILD NATURE BENEFIT
      WILD NATURE BENEFIT

      If the person protected under the policy suffers an unprovoked attack by a wild boar, porcupine, dog, snake, cattle or monkey within the Covered Duration of Participation and is treated at a hospital or outpatient clinic as a result, Runner Guard will pay a Wild Nature Benefit according to the severity of the injury.

       

      READ MORE
      Wild Nature Benefit
    insurance lingo explained

    Premium

    This is the fee you pay us for your policy.


    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.

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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.
    3. This plan is an insurance plan without any savings element. All premiums are paid for the insurance and related costs.
    Key Product Risks
    1. We will terminate your policy and the person protected under the policy will lose the cover when one of the following happens:
      1. the person protected under the policy passes away;
      2. when the policy is cancelled by the company;
      3. the end of the period of insurance; or
      4. when the total benefit amount(s) paid under the policy reaching 100% of the sum assured.
    2. We reserve the right to terminate this policy 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.

    ADDITIONAL INFORMATION
    If the person protected under the policy is covered under more than one Runner Guard policy underwritten by us for losses arising from the same event, only the Runner Guard policy with the greatest amount of indemnity payable for the relevant covered losses will apply.

    Key Exclusions

    Under this plan, we will not cover conditions that result from any of the following events:

    • war, declared or undeclared, or revolution;
    • violation or attempted violation of the law or resistance to arrest
    • 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 policy is in a state of insanity;
    • ptomaines or bacterial infection (except pyogenic infection which shall occur with and through an accidental cut or wound);
    • accident occurring while or because the person protected under the policy is under the influence of alcohol or any non-prescribed drug;
    • pregnancy or any complications;
    • routine health checks, any investigation(s) not directly related to admission, diagnosis, illness or injury, any treatment or investigation which is not medically necessary, or convalescence, custodian or rest care or any treatment or investigation which is not consistent in accordance with standards of good medical practice;
    • Participation by the person protected under the policy in a Covered Running Activity while this Policy is in force against medical advice previously given by a registered practitioner of western medicine or Chinese medicine, a physiotherapist or a chiropractor (including advice given up to six months prior to the date of application for the policy);
    • violation by the person protected under the policy of any of the official rules of a covered Run including but not limited to (i) not following the instructions of run or event officials; (ii) leaving the official course route (except where the person protected under the policy has deviated from the course due to inadvertence or conditions created by a natural disaster (e.g. flooding, landslide) in which case coverage may be provided in the sole discretion of the Company); (iii) non-use or misuse of all appropriate clothing and / or safety equipment relevant to the covered running activity; or (iv) running with the whole part of the face covered;
    • participation by the person protected under the policy in any event that is not a Covered Run;
    • any losses arising from an act of terrorism;
    • any pre-existing physical impairment; or
    • parkour, free running, sedan chair running, backward running, steeplechase, multi-discipline sports (e.g. triathlon), events featuring man-made obstacles (e.g. man-made mud pits, man-made slippery slopes, wall climbs, tunnel crawls, or other similar man-made obstacles).

     

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


    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 30 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 by visiting any AIA Customer Service Centre.

    Payment of Benefits

    The benefits under this plan will be paid to you, or in the unfortunate event of the passing of the person protected under the policy, to your beneficiary.


    This website 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 cover. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary.

    OTHER RELATED PRODUCTS

    PAC Select 2

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    Secure First Plus

    Accident & Other Protections

    Offers up to 100% refund of premium with broad cover against accident throughout your life.

    Super Adults Shield

    Accident & Other Protections

    Extensive accident protection for you and your beloved family.

    vitality
    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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