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. 



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 is surrendered; 

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

   • upon any payment of the Accidental Death Benefit; or 

   • aggregate payments of the Accidental Dismemberment Benefit and / or Permanent Total Disability Benefit have reached 100% of the sum assured. 



4. We issue the policy and decide your premium based on the insured’s occupation class. You must immediately notify us of any change of occupation. If the change of occupation is the one which is classified by us as not insurable, we shall not be liable to cover any loss sustained pertaining to that occupation.


5. 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 may lose your premium paid and benefits. 



6. 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 any of the following events or conditions that result from any of the following events:

• war, declared or undeclared, or revolution;
• violation or attempted violation of the law or resistance to arrest;
• service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order;
• the insured entering, exiting, operating, servicing, or being transported by any aircraft, aerial device or conveyance, except as a fare-paying passenger (not as a pilot / operator or a member of the aircrew) in any properly licensed private aircraft and / or commercial aircraft;
• suicide or attempted suicide or self-inflicted injury or deliberate exposure to exceptional danger (except in an attempt to save human life), or injury sustained whilst the insured is in a state of insanity;
• pregnancy, miscarriage, childbirth or any complications concerning therewith;
• the insured engaging in a sport in a professional or income earning capacity;
• assault, murder, riot, civil commotion, strikes or making an arrest while the insured is employed as a full or part-time police officer, or cadet officer or is an officer or member of the Correctional Services Department;
• riot, civil commotion or strikes while the insured is employed as a fireman or is on duty as a fireman in the course of extinguishing fires or protecting life and property in case of fire; or
• accident occurring while or because the insured is under the influence of alcohol or any non-prescribed drug.

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 Dismemberment Benefit 
In the event that a series of losses shall arise out of the same Accident, the Accidental Dismemberment Benefit shall be paid for no more than one of these losses, for which the amount of benefit payable shall be the greatest amount of benefit as shown in the Benefits Schedule for Accidental Dismemberment Benefit. 
This benefit will be terminated immediately at the end of policy year following the insured’s 76th birthday. 



2. Permanent Total Disability Benefit 
This benefit is not applicable to an insured who is under the age of 18 on the date of the accident, and it will be terminated immediately at the end of the policy year following the insured’s 76th birthday, or when the disability ceases, or when the insured returns to work (whichever is earliest). 


Total benefits paid for Accidental Death Benefit, Accidental Dismemberment Benefit and/or Permanent Total Disability Benefit shall not exceed 100% of the sum assured.

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 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 the insured’s passing, to your beneficiary.

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 within 21 days after the delivery of the policy or issue of the written notice to you or your representative informing you that the policy is available, whichever is earlier.