Savings Insurance
Grow and protect your wealth
Accident & Other Protections
Period
Issue age
You can buy this from
The future is difficult to predict. You can, however, choose how well you protect your loved ones. Super Adults Shield provides comprehensive protection for you, you will be covered for accidents and fatalities.
When an accident happens, you do not want to be worrying about mounting bills, household expenses and mortgage payments. If the person protected under the policy, sustains any of the injuries listed in the Benefit Schedule for the Accidental Death & Dismemberment Benefit in product brochure occurs within 180 days after an accident, we will pay a lump sum benefit according to the Benefit Schedule for the Accidental Death & Dismemberment Benefit in product brochure to help manage expenses.
If an accident leaves the person protected under the policy totally and permanently disabled within 180 days from the date of an accident, and the person protected under the policy remains totally and permanently disabled for 6 consecutive months, Super Adults Shield will pay a Permanent Total Disability Benefit, giving much-needed financial support.
When such diagnosed disability has continued for 6 months consecutively, the person protected under the policy will receive a monthly payment equal to 1% of the sum assured beginning from the 7th month and continuing up to 100 months (while disability continues).
Permanent Total Disability Benefit will no longer be provided upon Accidental Death & Dismemberment Benefit has been paid for any disability, vice versa.
As long as the amount claimed for Accidental Death & Dismemberment Benefit and / or Permanent Disability Benefit has not reached 100% of the sum assured, the policy is still in-force. After reimbursement of the Accident Death & Dismemberment Benefit and / or Permanent Total Disability Benefit, the current sum assured and the premium will be reduced accordingly.
Please refer to “Product Limitations” about the adjustment of sum assured and premium.
If the person protected under the policy needs any psychological counselling after sustaining an accidental injury or disability covered under the Accidental Death & Dismemberment Benefit or Permanent Total Disability Benefit, we will pay the necessary psychological counselling expenses according to the Benefits Schedule of Super Adults Shield in product brochure.
In the unfortunate event of death, dismemberment or permanent total disability due to an accident related to any of the following, we will double the compensation where the person protected under the policy was:
Such additional compensation from the Double Indemnity Benefit will not reduce the current sum assured and the premium.
If the worst should happen and the person protected under the policy passes away, we will pay the beneficiary the Compassionate Death Benefit in lump sum. The payable sum of Compassionate Death Benefit is capped at HK$/MOP10,000 per life for all such policies held with us.
If the person protected under the policy is confined in a hospital as a result of suffering a covered injury from an accident, we will pay a daily income benefit.
Transportation Fee Subsidy
If the person protected under the policy is confined in a hospital for over 3 days due to an accidental injury, and is recommended by a registered medical practitioner to receive further treatments after discharge, we will pay a sum of subsidy according to the Benefits Schedule of Super Adults Shield in product brochure, regardless of the type of transportation used.
We will pay this benefit to the person protected under the policy if only the Accident Hospital Income benefit is paid.
If the person protected under the policy is a permanent resident of Hong Kong or Macau, we offer emergency assistance services to the person protected under the policy anywhere in the world, including:
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.
Except for the Compassionate Death Benefit, 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.
These benefits are only applicable for the loss resulted from a covered injury within 180 days after an accident. The loss must be listed in the Benefit Schedule for the Accidental Death & Dismemberment Benefit in product brochure or defined as a Permanent Total Disability.
In the event that a series of losses shall arise out of the same accident, benefit shall only be paid for one of the losses, for which the amount of benefit payable shall be the greatest amount of benefit as shown in the Benefits Schedule for Accidental Death & Dismemberment Benefit in product brochure.
This benefit is only applicable to the reasonable and customary charges for actual medical expenses incurred within 52 weeks from the date of an accident.
b. Maximum of 1,000 days of confinement per accident
Covered countries or place include:
Hong Kong, Macau, Malaysia, Thailand, Taiwan, Japan, South Korea, Singapore, United States of America, Australia, New Zealand, Canada, Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City.
We only cover the charges and / or expenses of the person protected under the policy on medically necessary and reasonable and customary basis.
"Medically necessary” means that the medical services, diagnosis and / or treatments are:
Experimental, screening, and preventive services or supplies are not considered medically necessary.
“Reasonable and customary” means:
We may adjust any and all benefits payable in relation to any hospital / medical charges which is not a reasonable and customary charge.
In order to provide you with continuous protection, we will review the premium of your plan from time to time and adjust it at the end of policy year if necessary. During the review, we may consider factors including but not limited to the following:
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 (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 passing of the person protected under the policy, to your beneficiary.