Extra security for a lifetime of accident protection.
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The journey of life is filled with unexpected changes. With the excitement that comes with enjoying life, accidents can happen and are sometimes unavoidable. AIA believes that even with the inevitability of some accidents, you deserve to explore the wonders of the world and live life to the full. Secure First lets you enjoy life while protecting you and your loved ones from the financial burden of accidents.
If the insured, who is the person protected under the policy, passes away due to an accident within 180 days after the date of the accident, Secure First will pay a lump sum amount as the Accidental Death Benefit to the person whom you select in your policy as beneficiary. The Accidental Death Benefit payable is equal to the Current Sum Assured.
Current Sum Assured means the protection amount left after deduction of all payments made for Accidental Dismemberment Benefit and / or Permanent Total Disability Benefit from the sum assured.
We will pay a lump sum cash benefit according to the Benefits Schedule for Accidental Dismemberment Benefit in the unfortunate event that the insured sustains an injury due to accident which results in any loss as shown in the benefits schedule within 180 days after the accident. Upon the payment of the benefit, the Current Sum Assured and the premium thereafter will be reduced accordingly.
If the insured who is at the age of 18 or above becomes permanently and totally disabled within 180 days from the date of an accident, and remains totally and permanently disabled for 12 consecutive months, we will pay a Permanent Total Disability Benefit, giving much-needed financial support.
After permanent total disability has continued for 12 consecutive months, the insured will receive a monthly payment equal to 1% of the Current Sum Assured beginning from the 13th month and continuing up to 100 months (while disability continues), and the premium will be waived during this period.
Upon payment of the benefit, the Current Sum Assured and the premium thereafter will be reduced accordingly.
In the unfortunate event of the insured’s death, dismemberment or permanent total disability due to an accident related to any of the following, we will double the compensation paid for Accidental Death Benefit, Accidental Dismemberment Benefit or Permanent Total Disability Benefit (as the case may be) where, at the time of the accident, the insured was:
If you choose to surrender the policy, or the policy lapses due to non-payment of premium or is terminated due to the insured’s non-accidental death, you will receive a refund of premiums paid for the policy according to the schedule below:
SEE the Cash Benefit TABLE
Starting from the end of first policy year, we will offer medical check-up to the insured annually for 12 consecutive years. Check-up items may be revised from time to time without prior notice.
In the unfortunate event that the insured suffers an accident or unexpected illness while travelling outside Hong Kong, Macau or People’s Republic of China, where the insured is a permanent resident, we will offer services such as emergency medical evacuation and repatriation of remains up to a HK$ 500,000 per life limit under all policies held with us and AIA Company Limited covering the same insured, and a 24-hour worldwide telephone enquiry service anywhere in the world.
The premium payment term of Secure First is 12 years. Premium amounts are guaranteed to remain level throughout the premium payment term.
This website does not contain the full terms and conditions of the Policy and 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. In case you want to read policy contract template before making an application, you can obtain a copy from AIA. 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 up to 60% 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.
Under this plan, we will not cover any of the following events or conditions that result from any of the following events:
The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.
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. For details of claim procedures, please refer to the Claim Procedure section in the policy contract. If you wish to know more about claim related matter, you may visit “File A Claim” section under our company website www.aia.com.hk.
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 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 earlier.