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Accident & Other Protections
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  • Secure First Plus

    Accident & Other Protections

    Period

    WHOLE LIFE

    Issue age

    15 DAYS - 63 YEARS

    You can buy this from

    YOUR FINANCIAL PLANNER


    WHAT THIS PRODUCT IS ABOUT

    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.

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    A PLAN AS GRAND AS THE LIFE YOU LIVE

    Secure your future with

    a lifetime of protection

    what does it provide?

    • Accidental Death Benefit
      Accidental Death Benefit

      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. 

    • Accidental Dismemberment Benefit
      Accidental Dismemberment Benefit

      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.

    • Permanent Total Disability Benefit
      Permanent Total Disability Benefit

      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.

       

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    • Double Indemnity Benefit
      Double Indemnity Benefit

      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:

       

      • a fare paying passenger traveling 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

       

      Such compensation from the Double Indemnity Benefit will not reduce the Current Sum Assured and the premium.

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    • Cash Benefit
      Cash Benefit

      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.

    • Well Being Program
      Well Being Program

      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.

    • Worldwide Emergency Assistance Services
      Worldwide Emergency Assistance Services

      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:

       

       
      • emergency medical evacuation and repatriation of remains, with per life limit up to US$625,000 under all policies held with us and AIA Company Limited covering the same person protected under the policy
      • 24-hour worldwide telephone enquiry services
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    • Sum Assured Limits
      Sum Assured Limits

      • Maximum Limit - Gainfully Employed: US$1,000,000; Non-income Group: US$300,000
      • Minimum Limit - Gainfully Employed & Non-income Group: US$62,500

      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.

    • Premium Payment Term
      Premium Payment Term

      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.

    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.
    Key Product Risks
    1. You should pay premium(s) on time and according to the selected premium payment schedule. If you do not pay the premium within 31 days of the premium due date, the policy will be terminated and you / the person protected under the policy will lose the cover.

    2. Should you surrender the policy early, you may receive an amount considerably less than the total amount of premiums paid.

    3. We will terminate your policy and you / 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. the policy is surrendered;
      3. you do not pay the premium within 31 days of the due date;
      4. upon any payment of the Accidental Death Benefit; or
      5. aggregate payments of the Accidental Dismemberment Benefit and / or Permanent Total Disability Benefit have reached 100% of the sum assured.
    4. We issue and decide your premium based on your occupation class. You must immediately notify us of any change of occupation. If the change of occupation is the one which is classified by us as not insurable, we shall not be liable to cover any loss sustained pertaining to that 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, you may lose your premium paid and benefits.

    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 your future needs since the future cost 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 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.


    Product Limitations
    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.


    Claim Procedure

    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.


    Payment of Benefits

    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.


    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 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.

    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.

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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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