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Accident & Other Protections
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Accidents are unpredictable and costly, but you can stay confident by making smart preparations in advance for the sake of yourself and your loved ones. Xtra Protect is an affordable plan that offers balanced accident protection up to age 76, including reimbursement for treatment, medicine and related services, as well as extra support in the unfortunate event of accidental dismemberment, total and permanent disability and even death. This plan provides two different benefit levels to enhance any existing protection you may have, so you can choose the cover you need to fill your protection gap for extra peace of mind.
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When an accident happens, you do not want to be worrying about mounting bills, household expenses and mortgage payments. If the insured, who is the person protected under the policy, sustains any of the injuries listed in the Benefit Schedule for the Accidental Death & Dismemberment Benefit occurs within 180 consecutive days from the date of the accident, we will pay a lump sum benefit according to the Benefit Schedule for the Accidental Death & Dismemberment Benefit to help manage expenses.
If an accident leaves the insured, totally and permanently disabled within 180 days from the date of an accident, and the insured remains totally and permanently disabled for 6 consecutive months, Xtra Protect will pay a Permanent Total Disability Benefit, giving much-needed financial support.
When such diagnosed disability has continued for 6 months consecutively, the insured 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 occurred in the same accident, vice versa.
As long as the amount claimed for Accidental Death & Dismemberment Benefit and / or Permanent Total 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 insured is injured in an accident, we will reimburse the reasonable and customary medical expenses incurred within 52 weeks from the date of an accident, up to the maximum limit per accident for the insured. A range of medically necessary treatments and services are covered, including but not limited to hospitalisation, surgery, bone-setting, acupuncture, physiotherapy and chiropractic treatment.
If the worst should happen and the insured passes away, we will pay the beneficiary the Compassionate Death Benefit in lump sum.
If the insured is a permanent resident of Hong Kong or Macau, we offer emergency assistance services to the insured anywhere in the world, including:
Premium
This is the fee you pay us for your policy.
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 consecutive days after the date of the accident. The loss must be listed in the Benefit Schedule for the Accidental Death & Dismemberment Benefit 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.
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.
We only cover the charges and / or expenses of the insured 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 annually review the premium of your plan and adjust it accordingly at the end of policy year if necessary. During the review, we may consider factors including but not limited to the following:
We will give you a written notice of any revision 30 days before renewal.
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 any AIA Customer Service Centre. For details of claim procedures, please refer to the Claim Procedure section in the policy contract. If you wish to know more about claim related matter, you may visit “File A Claim” section under our company website www.aia.com.hk.
The benefits under this plan will be paid to you, or in the unfortunate event of the insured’s passing, to your beneficiary.
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