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Up to 100% Premium Refund
Accidental Death and Dismemberment Benefit
Accidental Total and Permanent Disability Benefit
Double Indemnity Benefit
Issue age: 15 days to age 50
Premium payment term: 10 years
Benefit term: 15 years
Premium payment mode11: Annual, monthly, annual and premium prepayment12
Policy currency: HKD
If the insured becomes injured in an accident, and such injury results in death or any of the injuries as stated in the “accidental death and dismemberment benefit schedule” within 180 days from the date of the accident, the Plan will pay a lump sum benefit according to the “accidental death and dismemberment benefit schedule”, giving you and your family financial support at a time of need. The total benefit amount of this benefit will be subject to the benefit limit of “accidental death and dismemberment benefit” as shown on the “benefit schedule”.
If the insured is injured in an accident on or after the policy anniversary when the insured reaches age 18, and suffers from total and permanent disability6 within 180 days after the date of the accident and such disability will persist and is proved by a registered medical practitioner that it has continued for 180 days from the date of diagnosis, the Plan will provide on a monthly basis the benefit amount of “accidental total and permanent disability benefit” as shown on the “benefit schedule” starting from the first policy monthiversary after the date of diagnosis of such disability of the insured, up to a maximum of 100 months. This can help cover the living costs and medical expenses.
For extra peace of mind, if the insured passes away or suffers from an injury caused by an accident as a fare-paying passenger of public conveyance, and the “accidental death and dismemberment benefit” and/or “accidental total and permanent disability benefit” (as the case may be) has been paid under the Plan for such death or injury within 180 days from the date of the accident, the Plan will pay an extra “double indemnity benefit” which is equal to the amount paid for “accidental death and dismemberment benefit” and/or “accidental total and permanent disability benefit” (as the case may be).
The medical costs arising from an accident can be significant. As such, the Plan will reimburse the reasonable and customary actual medical expenses incurred for specified medical services that are medically necessary for the injury within 365 days after the date of the accident of the insured, up to a maximum of HKD24,000 per accident (depending on the benefit level).
The specified medical services cover outpatient, hospitalization to rehabilitation:
• medical or surgical treatment
• hospital confinement
• home nursing within 31 days after discharge from hospital
• bone-setting or acupuncture treatment
• chiropractic treatment, physiotherapy, occupational therapy or speech therapy
• purchase or rental of specified medical equipment
If the insured dies while the policy is in force, and “accidental death and dismemberment benefit” is not payable for such death, the Company will pay to the beneficiary the “compassionate death benefit” as shown on the “benefit schedule”.
The Plan shall then terminate.For the details of the benefits, please refer to the “benefit schedule” and “accidental death and dismemberment benefit schedule” of the product brochure of the Plan.
Regardless of your claim record under the Plan1，you will receive a maturity benefit9 of 100% of the accumulated premium due and paid, less all indebtedness (if any) upon policy maturity. The Plan shall then terminate.
If you choose to surrender the policy before the policy maturity date,we will pay a surrender value; while in the event the policy is terminated upon the occurrence of any of the following events (whichever is earlier), we will pay a policy termination benefit: (i) the total amount of claims paid by the Company for the “accidental death and dismemberment benefit” and/or “accidental total and permanent disability benefit” has reached 100% of the basic amount of the basic plan; or (ii) the due premium has not been paid within 31 days after the premium due date.
Surrender value and policy termination benefit are respectively equal to the amount stated in the below table, together with the policy deposit (if applicable), less any unpaid premium (if applicable) and all indebtedness (if applicable):
| The effective date of policy surrender or the date of the policy termination (as the case may be) is | The amount which is equivalent to the following percentage of the accumulated premium due and paid calculated while the policy is in force and until the effective date of the policy surrender or the date of the policy termination (as the case may be) |
|---|---|
| Prior to the 7th policy anniversary | 0% |
| From the 7th policy anniversary and prior to the 8th policy anniversary | 60% |
| From the 8th policy anniversary and prior to the 9th policy anniversary | 65% |
| From the 9th policy anniversary and prior to the 10th policy anniversary | 70% |
| From the 10th policy anniversary and prior to the 11th policy anniversary | 75% |
| From the 11th policy anniversary and prior to the 12th policy anniversary | 80% |
| From the 12th policy anniversary and prior to the 13th policy anniversary | 85% |
| From the 13th policy anniversary and prior to the14 policy maturity date | 90% |
| From the 14th policy anniversary and prior to the policy maturity date | 95% |
| Policy maturity date | 100% |
Simplified underwriting
The application of the Plan is simple and fast as no medical examination is required.
24-hour worldwide emergency assistance service10
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.
Benefit Schedule
| Benefit level | Plan 1 | Plan 2 | Plan 32 | Plan 42 |
|---|---|---|---|---|
| Basic amount(HKD)13 | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Benefits (HKD) | ||||
| l.Compassionate death benefit (benefit amount) | 5,000 or accumulated premium due and paid, whichever is higher all indebtedness (if any) |
5,000 or accumulated premium due and paid, whichever is higher all indebtedness (if any) |
5,000 or accumulated premium due and paid, whichever is higher all indebtedness (if any) |
5,000 or accumulated premium due and paid, whichever is higher all indebtedness (if any) |
| II.Accidental death and dismemberment benefit3,4,5 (benefit amount for different item under this benefit see "accidental death and dismemberment benefitschedule") (benefit limit)
|
300,000 | 600,000 | 900,000 | 1,200,000 |
| III. Accidental total and permanent disability benefit4,5,7 | (benefit amount) 3,000 per month |
(benefit amount) 6,000 per month |
(benefit amount) 9,000 per month |
(benefit amount) 12,000 per month |
| Benefit limit: Up to 100 months | ||||
| IV.Double indemnity benefit (benefit limit) | 300,000 | 600,000 | 900,000 | 1,200,000 |
| V.Accidental medical expenses benefit8(maximum benefit limit per accident) | 6,000 | 12,000 | 18,000 | 24,000 |
| a.Bone-setting or acupuncture expenses | ||||
| Maximum benefit amount per visit | 150 | 200 | 250 | 300 |
| Maximum number of visits per day | 1 visit | 1 visit | 1 visit | 1 visit |
| Maximum number of visits per policy year | 8 visits | 8 visits | 8 visits | 8 visits |
| b. Chiropractic/ physiotherapy/ occupational therapy/ speech therapy expenses | ||||
| Maximum benefit amount per visit | 300 | 400 | 500 | 600 |
| Maximum number of visits per day | 1 visit | 1 visit | 1 visit | 1 visit |
| Maximum number of visits per policy year | 8 visits | 8 visits | 8 visits | 8 visits |
| c.Medical equipment expenses | ||||
| Maximum benefit amount per policy year | 2,000 | 2,000 | 2,000 | 2,000 |
| VI.24-hour worldwide emergency assistance service10 | Applicable | |||
Notes:
1.Each insured is allowed to have one TotalProtect Refundable Accident and Disability Protection Plan in force only.2.Plans 3 and 4 are not applicable to insured of occupation class 3.
3.If the insured suffers from more than one injury caused by the same accident, the Company will only pay the “accidental death and dismemberment benefit” for one injury (whichever is higher), and in the event of the same benefit payment, the Company reserves the sole and final decision as to which injury shall be paid.
4.If the Company has paid the “accidental death and dismemberment benefit” for an injury, the Company will not pay the “accidental total and permanent disability benefit” for the total and permanent disability due to the same injury.
5.The total amount of claims paid by the Company for “accidental death and dismemberment benefit” and/or “accidental total and permanent disability benefit” is subject to 100% of the basic amount of the basic plan. If the total amount of claims paid by the Company for the “accidental death and dismemberment benefit” and/or “accidental total and permanent disability benefit” has reached 100% of the basic amount of the basic plan when the Company is paying for the “accidental total and permanent disability benefit”, the “accidental total and permanent disability benefit” will be terminated and the Company will pay the policy termination benefit at the same time. The policy shall then terminate.
6.“Total and permanent disability” means the inability of the insured in his lifetime to engage in all missions of any gainful work, occupation or profession for which the insured is suited by education level, training or experience to earn or to obtain wage, compensation or profit as a result of injury between the policy anniversary when the insured reaches age 18 and the policy anniversary when the insured reaches age 64 (both dates inclusive), then the definition of “total and permanent disability” will be fulfilled; and the inability of the insured who is diagnosed after the policy anniversary when the insured reaches age 64 as a result of injury to perform, without assistance, at least 3 of the 6 activities of daily living, then the definition of “total and permanent disability” will be fulfilled. Please refer to the policy provisions for the definition of activities of daily living.
7.The “accidental total and permanent disability benefit” will be paid by the Company for up to 100 months, or until the date of recovery from such disability of the insured, the policy maturity date, the date of death of the insured, or the date of termination of the policy for whatever reason, whichever is the earliest. The premiums due will still have to be paid by the policyholder during the claims payment period. The remaining claims payment for “accidental total and permanent disability benefit” will not be payable if the policy is terminated for whatever reason.
8.For “accidental medical expenses benefit”, the Company is not liable for any confinement, surgery and/or medical treatment for which compensation or reimbursement has been paid under any law, medical program, or insurance policy provided by any government, company or other insurers except to the extent that such charges are not reimbursed by such law, medical program or insurance policy.
9.For the avoidance of doubt, when the Company has paid any of the following benefits, the remaining two benefits will not be applicable: (a) surrender value; or (b) policy termination benefit; or (c) maturity benefit.
10.24-hour worldwide emergency assistance service is provided by a third party service provider. China Life (Overseas) will not guaranteed the service quality and shall not be liable for any matter in connection with the services. China Life (Overseas) reserves the right to amend the terms and conditions thereof from time to time without prior notice.
11.If the required renewal premium is paid by you within the grace period, the policy shall continue to be in force. For details, please refer to the policy provisions issued by China Life (Overseas). If the policy is lapsed or surrendered early, the policy cash value (if any) received by you may be considerably less than the total amount of the premiums paid.
12.If you choose the annual and premium prepayment option, you can withdraw the unused prepaid premium (including interest, if any) at one time. China Life (Overseas) will charge 2% of the withdrawal amount, at a minimum amount of HKD100. You can withdraw the unused prepaid premium once only. The interest rate of prepaid premium is not guaranteed.
13.“Basic amount” means the amount shown on the policy information page or endorsement as the “basic amount”. The “basic amount” is used to calculate premium, but it is not applicable to the calculation of the “compassionate death benefit”. If the basic amount has been amended while the policy is in force, the said premium will be adjusted accordingly.
Important Information:
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 policy provisions, please contact China Life (Overseas) for enquiry.
