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Comfort Accident and Disability Protection Plan

Accidents can never be predicted. 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.
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.

投保簡便及保證續保


Easy enrollment and guaranteed renewal

Enrollment Terms

Issue / Renewal age:15 days to age 60

Benefit term:To the policy anniversary immediately following the insured’s 65th birthday or the end of the 5-year period guaranteed renewal right, whichever is earlier

Premium payment term:Payable every year throughout the benefit term

Premium payment mode:Annual6

Policy currency:HKD

Minimum sum assured:HKD150,000



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 accident, the Plan will pay an amount equivalent to 100% of 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 accident, the benefit amount 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 amount payable will be increased to 300% of the sum assured.

Accidental total and permanent disability benefit

Accidental total and permanent disability benefit

Should the insured suffer from total and permanent disability3 as a result of an accident and is diagnosed by a registered medical practitioner within 180 days from the date of accident, 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 that the insured suffers from third degree burns4 in an accident, the benefit amount payable will be 50% of the sum assured. The Plan will also provide the beneficiary with a compassionate death benefit in case the insured passes away due to any cause other than an accident while the policy is in force. The policy will be terminated after the accidental burn benefit or compassionate death benefit has been paid.

24-hour worldwide emergency assistance service5

24-hour worldwide emergency assistance service5

If the insured is diagnosed with an illness or is injured in an accident outside the country of residence, he/she will access comprehensive coverage under the free 24-hour worldwide emergency assistance service.

Easy enrollment and guaranteed renewal

Easy enrollment and guaranteed renewal

You can enroll into the Plan by answering a few simple questions. The Plan is yearly renewable and provides guaranteed renewal up to 5 years.

Terms and Conditions

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 (Overseas) does not provide or offer to sell any insurance product outside Hong Kong. 
The above information is for reference only. The detailed terms, conditions and exclusions of the Plan are subject to the terms and conditions of the policy contract of the Plan. For a copy of the terms  and conditions of the policy contract, please contact China Life (Overseas) for enquiry.

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Comfort Accident and Disability Protection Plan

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(Included the Levy of HK$)
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