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Accident & Other Protections
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Life is full of uncertainty. No matter how alert you are, accidents can happen anytime without warning. Secure First Plus provides you with broad protection against accidents. Under certain circumstances, we will provide double benefit payment to help you get through the difficult times.
If the person protected under the policy passes away due to an accident within 180 days after the date of the accident, Secure First Plus will pay a lump sum amount as the Accidental Death Benefit to the person whom you select in your policy as beneficiary. The Accidental Death Benefit payable is equal to the Current Sum Assured.
Current Sum Assured means the protection amount left after deduction of all payments made for Accidental Dismemberment Benefit and / or Permanent Total Disability Benefit from the sum assured.
We will pay a lump sum cash benefit according to the Benefits Schedule for Accidental Death & Dismemberment in product brochure, in the unfortunate event that the person protected under the policy sustains an injury due to accident which results in any loss as shown in the benefits schedule in product brochure within 180 days after the accident. Upon the payment of the benefit, the Current Sum Assured and the premium thereafter will be reduced accordingly.
If the person protected under the policy, who is at the age of 18 or above, becomes permanently and totally disabled within 180 days from the date of an accident, and remains totally and permanently disabled for 6 consecutive months, we will pay a Permanent Total Disability Benefit, giving much-needed financial support.
After permanent total disability has continued for 6 consecutive months, the person protected under the policy will receive a monthly payment equal to 2% of the sum assured beginning from the 7th month and continuing up to 50 months (while disability continues), and the premium will be waived during this period.
Upon payment of the benefit, the Current Sum Assured and the premium thereafter will be reduced accordingly.
In the unfortunate event of the person protected under the policy passes away, becomes dismembered or permanently and totally disabled due to an accident related to any of the following, we will double the compensation paid for Accidental Death Benefit, Accidental Dismemberment Benefit or Permanent Total Disability Benefit (as the case may be) where, at the time of the accident, the person protected under the policy was:
Such compensation from the Double Indemnity Benefit will not reduce the Current Sum Assured and the premium.
Whether or not you have made any claims under the policy, if you choose to surrender the policy, or the policy lapses due to non-payment of premium or is terminated due to the non-accidental death of the person protected under the policy, you will receive a refund of premiums paid for the policy equivalent to the total premiums paid to your basic plan with no extra premium loading and interest, according to the schedule in product brochure.
Starting from the end of first policy year, we will offer medical check-up to the person protected under the policy annually for 12 consecutive years. Check-up items may be revised from time to time without prior notice.
If the person protected under the policy is a permanent resident of Hong Kong, Macau, or the People’s Republic of China, we will offer emergency assistance services to the person protected under the policy anywhere in the world, including:
Non-income group means housewives, juveniles, students, retirees and unemployed.
Maximum limit means the total aggregate sum assured per life limit under this policy, other accident policies and accident riders held with us covering the same person protected under the policy.
Secure First Plus is denominated in US dollars. The premium payment term is 12 years. Premium amounts are guaranteed to remain level throughout the premium payment term.
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Under this plan, we will not cover any of the following events or 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.
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.
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.
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.
This is an insurance plan that offers various benefits including premium refund up to 100% at relevant policy years. All premiums are paid for the cost of premium refund, insurance and other related costs.