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Comfort Accident and Disability Protection Plan

Accidents can never been predicted. This is why the Comfort Accident and Disability Protection Plan (“the Plan”) provides sufficient financial support to help you and your family to overcome unexpected financial hardships with ease. Now you can pay as low as HK$106 to join the Plan and entitle to free additional benefit for “Novel Coronavirus”.

For more details of free additional benefit for “Novel Coronavirus”, please refer to the Chinese version.

意外身故保障

Accidental Death Benefit

意外完全及永久傷殘保障

Accidental Total and Permanent Disability Benefit

意外燒傷保障及體恤身故保障

Accidental Burn Benefit and Compassionate Death Benefit

國際緊急救援服務

International Emergency Assistance Service

Enrolment Terms

Issue / Renewal Age : From 15 days after birth to 60 years old

Policy Currency : HKD

Premium Payment Term : Payable every year throughout the benefit term 

Benefit Term : To the Policy Anniversary immediately following the Insured's 65th birthday or the end of the last 5-year period guaranteed renewal right, whichever is earlier

Premium Payment Method : Annual

Minimum Sum Assured : HKD200,000 


Plan Features
Accidental Death Benefit

Accidental Death Benefit

In case the Insured suffers from Accidental Injury and passes away from the Accidental Injury within 180 days from the date of the occurrence (both dates inclusive) of the Accidental Injury, the Plan will pay an amount equivalent to the Sum Assured as Accidental Death Benefit to relieve your family’s financial burden.

If the Accident happens while the Insured is travelling on Public Conveyance1 as a fare-paying passenger and the Insured passes away from the Accidental Injury within 180 days from the date of the occurrence of the Accidental Injury, the benefit payable will be 200% of the Sum Assured. In case the Accident occurs while the Insured is travelling on a Public Air Conveyance2 as a fare-paying passenger, the benefit provided will be increased to 300% of the Sum Assured.

Accidental Total and Permanent Disability Benefit

Accidental Total and Permanent Disability Benefit

Should the Insured is suffering from Total and Permanent Disability3 within 180 days from an Accident (both dates inclusive), the Plan will provide the Accidental Total and Permanent Disability Benefit, giving you and your family financial support at a time of need.
Accidental Burn Benefit and Compassionate Death Benefit

Accidental Burn Benefit and Compassionate Death Benefit

In the unfortunate event of suffering Third Degree Burns in an Accident, the benefit payable will be 50% of the Sum Assured. The Plan will also provide the Beneficiary a Compassionate Death Benefit in case the Insured passes away due to any cause other than an Accident during the benefit term.
International Emergency Assistance Service4

International Emergency Assistance Service4

Even if the Insured is diagnosed with an illness or is injured in an Accident outside Hong Kong, you don’t need to worry too much as he/she may enjoy comprehensive coverage under the free 24-hour Worldwide Emergency Assistance Service.
Easy Enrolment with Guaranteed Renewal

Easy Enrolment with Guaranteed Renewal

You can enrol in the plan just by answering a few simple questions. The Policy is yearly renewable and provides guaranteed renewal right at a 5-year period. Assuming a customer enrols the Plan at age 38, subject to the 5-year period calculation, he can exercise the last 5-year period guaranteed renewal right at age 58 and being covered by the Plan until age 63. The Plan will be ended by then.


Benefit Table


  Items Sum Assured
1 Accidental Death Benefit 100%
2 Accidental Death as Passenger on Public Conveyance 1  Benefit 200%
3 Accidental Death as Passenger on Public Air Conveyance2 Benefit 300%
4 Accidental Total and Permanent Disability3 Benefit 100%
5 Accidental Burn Benefit 50%
6 Compassionate Death Benefit HKD1,000
The Policy will be terminated if any of the item is payable.

For more details of free additional benefit for “Novel Coronavirus”, please refer to the Chinese version.

Notes:

  1. Public Conveyance means any bus, school bus, minibus, coach, taxi, ferry, hydrofoil, ship, train, tram, underground train or other means of mechanically propelled conveyance provided and operated by a carrier officially licensed for the regular transportation of fare-paying passengers, or any other officially licensed airport limousine operating on fixed routes and schedules. Public conveyance does not include any Public Air Conveyance.
  2. Public Air Conveyance means any fixed-wing aircraft or helicopter provided and operated by an airline or an air charter company which isofficially licensed for the regular transportation of fare-paying passengers and operating only in established commercial airports or licensed commercial heliports. Chartered carriers, private carriers or any carriers which are operated primarily for sight-seeing service and amusement of the passengers are excluded.
  3. Total and Permanent Disability means as a result of Accidental Injury and commencing within 180 days from the date of an Accident, the Insured has sustained a total and permanent disability. After 12 calendar months of continuous total disability, the Insured is still completely unable to engage in any work, occupation or profession for compensation, wages or profit.
  4. 24-hour Worldwide Emergency Assistance Service is provided by Inter Partner Assistance Hong Kong Limited. The provision of services are subject to the terms and conditions of the Inter Partner Assistance Hong Kong Limited. China Life (Overseas) reserves the right to amend the terms and conditions thereof from time to time without prior notice.

Terms and Conditions
Please refer to the Policy documents for the complete definitions of the capitalised terms, as well as all the terms and conditions of this product. In the event of any dispute, China Life (Overseas) reserves the right to the final decision in deciding whether or not to accept the application and provide the insurance coverage.

This shall not be construed as any provision of or offer to sell or solicitation to buy any insurance product outside Hong Kong. China Life Insurance (Overseas) Company Limited (“China Life (Overseas)”) does not provide or offer to sell any insurance product outside Hong Kong.

For promotion details of the above plan, please call us at 3999 5598 or email us at enquiry@chinalife.com.hk for details.
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Comfort Accident and Disability Protection Plan

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