This website is for reference only. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of this product. The precise terms and conditions of this plan are specified in the policy contract. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover. This website should be read along with the illustrative document (if any) and other relevant marketing materials, which include additional information and important considerations about this product. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary.

This is an insurance plan that offers various benefits including premium refund of up to 100% at relevant policy years. All premiums are paid for the cost of premium refund, insurance and other related costs.

This brochure is for distribution in Hong Kong only.

1. You should pay premium(s) on time and according to the selected premium payment schedule. If you do not pay the premium within 31 days of the premium due date, the policy will be terminated and you / the insured will lose the cover. In this case, you may receive an amount considerably less than the total amount of premiums paid. 

2. Should you surrender the policy early, you may receive an amount considerably less than the total amount of premiums paid. 

3. We will terminate your policy and you / the insured will lose the cover when one of the following happens:
   • the insured passes away; 

   • the policy matures once the policy reaches the end of 16th policy year; 

   • you do not pay the premium within 31 days of the premium due date; or 

   • upon the payment of the Accidental Total and Permanent Disability Benefit. 

4. We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, you / the insured may lose the cover and you may lose your premium paid. 

5. Your current planned benefit may not be sufficient to meet your future needs since the future cost of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, you may receive less in real terms even if we meet all of our contractual obligations. 


Under this plan, we will not cover conditions that result from any of the following events:

• any treatment, investigation, service or supplies which is / are not medically necessary
• any kind of disease or illness (including food poisoning) or pre- existing condition
• suicide or attempted suicide, self-inflicted injury, deliberate exposure to exceptional danger (except in an attempt to save human life), insanity
• alcoholism or drug abuse, or accidents caused by and while under the influence of alcohol or drugs
• war, engaging in naval, military or air force service, handling of explosives and demolition materials, restoration of public order, violation or attempted violation of the law or resistance to arrest
• air travel (except as a fare paying passenger in any properly licensed aircraft), or as a crew member of a commercial passenger airline on a regular scheduled passenger trip over its established passenger route
• professional or hazardous sports

• pregnancy, miscarriage, childbirth, AIDS or any complications associated with HIV infection

• cosmetic or plastic surgery, dental care or surgery, elective surgery apart from reconstructive surgery necessitated by injury caused by an accident

• routine health checks, screening and preventive care / checking, investigations not directly related to the accidental injury or rest care

The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.

1. Accidental Total and Permanent Disability Benefit
   Where the insured suffers total and permanent disability or becomes unable to independently perform at least 3 activities of daily living for at least 6 consecutive months from the date of the accident, the premium continues to be payable for 6 months from the date of the accident giving rise to disability. The premium also continues to be payable during the necessary period for claims processing. Once we pay the Accidental Total and Permanent Disability Benefit, the policy will be terminated.
   Activities of daily living include:
   • getting in and out of a chair or a bed; 

   • moving from room to room; 

   • controlling bladder and bowel movements; 

   • getting dressed or undressed; 

   • taking a bath or a shower, including getting into and out 
of a tub; and 

   • eating and swallowing food.


If the insured is under the age of 18 at the date of accident giving rise to disability, the Accidental Total and Permanent 
Disability Benefit will only be paid where there has been a loss of limbs or the irrecoverable loss of sight. 


2. Accidental Hospital Income Benefit
   We will regard multiple periods of hospitalisation as part of the same accident if they:
   • arose from the same cause, including any and all related complications; and 

   • are separated by 180 days or less from the last date of discharge from hospital. 

   If the insured is hospitalised in Mainland China, the Accidental Hospital Income Benefit will be subject to a maximum of 7 days per accident.
   The Accidental Hospital Income Benefit will only be paid once for each day of confinement.
3. Accidental In-Patient Surgical Cash Benefit 

   If the insured undergoes more than one in-patient surgical procedure during the same confinement, we will only pay the Accidental In-Patient Surgical Cash Benefit once for such confinement. We will regard multiple periods of confinement as part of the same confinement if they:
   • relate to the same (or a related) injury, or to any related complications; and 

   • are separated by 90 days or less (excluding the date of admission or discharge). 

   If the surgical procedure is not performed within the following areas, the Accidental In-Patient Surgical Cash Benefit will be reduced by 50% for each confinement: Hong Kong, Macau, Taiwan, Singapore, Malaysia, Thailand, Japan, South Korea, Canada, United States of America, Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom, Australia and New Zealand.
4. Medically necessary and reasonable and customary charges 

   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:
   • delivered according to standards of good medical practice; 

   • necessary; and 

   • cannot be safely delivered in a lower level of medical care. 


Experimental, screening, and preventive services or supplies are not considered medically necessary. 


“Reasonable and customary” means:

• the medical services, diagnosis and / or treatments are medically necessary and delivered according to standards of good medical practice;
• the costs of your medical services and the duration of your hospital stay are not more expensive or longer than the usual level of charges or duration for similar treatment in the locality of such services delivered; and
• does not include charges that would not have been made if no insurance existed.

We may adjust any and all benefits payable in relation to any hospital / medical charges which is not a reasonable and customary charge.
The above list is for reference only. Please refer to the policy contract of this plan for the exact and complete terms and conditions of cover.

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 your passing, to your estate.

Except for fraud or non-payment of premiums, we will not contest the validity of this policy after it has been in force during the lifetime of the insured for a continuous period of two years from the date on which the policy takes effect.

You have the right to cancel and obtain a refund of any premiums and any levy paid by giving written notice to us. Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong or the Customer Service Centre of AIA International Limited at Unit 1903, 19/F, AIA Tower, 251A-301 Avenida Comercial de Macau, Macau within 21 calendar days immediately following either the day of delivery of the policy or the Cooling-off Notice to you or your nominated representative, whichever is the earlier.