Secure First Plus

Under this plan, we will not cover any of the following events or 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;
• service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order;
• the person protected under the policy entering, exiting, operating, servicing, or being transported by any aircraft, aerial device or conveyance, except as a fare-paying passenger (not as a pilot / operator or a member of the aircrew) in any properly licensed private aircraft and / or commercial aircraft;
• suicide or attempted suicide or self-inflicted injury or deliberate exposure to exceptional danger (except in an attempt to save human life), or injury sustained whilst the person protected under the policy is in a state of insanity;
• pregnancy, miscarriage, childbirth or any complications concerning therewith;
• the person protected under the policy engaging in a sport in a professional or income capacity;
• assault, murder, riot, civil commotion, strikes or making an arrest while the person protected under the policy 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 policy 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
• accident occurring while or because the person protected under the policy is under the influence of alcohol or any non-prescribed drug.

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

1. Accidental Dismemberment Benefit
   

   In the event that a series of losses shall arise out of the same Accident, the Accidental Dismemberment Benefit shall be paid for no more than one of these losses, for which the amount of benefit payable shall be the greatest amount of benefit as shown in the Benefits Schedule in product brochure for Accidental Death & Dismemberment.

   This benefit will be terminated immediately at the end of policy year following the 76th birthday of the person protected under the policy.

2. Permanent Total Disability Benefit
   

   This benefit is not applicable to the person protected under the policy who is under the age of 18 on the date of the accident, and it will be terminated immediately at the end of policy year following the 76th birthday of the person protected under the policy, or when the disability ceases, or when the person protected under the policy returns to work (whichever is earliest).

Total benefits paid for Accidental Dismemberment Benefit and / or Permanent Total Disability Benefit shall not exceed 100% of the sum assured.

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 (853) 8988 1822 in Macau, or by visiting aia.com.hk or any AIA Customer Service Centre.

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

• 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 days after the delivery of the policy or issue of the written notice to you or your representative informing you that the policy is available, whichever is earlier.