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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.
Runner Guard will pay 100% of the sum assured in the unfortunate event that happened within the Covered Duration of Participation:
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.
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.
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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.
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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.
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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.
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Under this plan, we will not cover conditions that result from any of the following events:
The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.
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.