Accidental Death, Dismemberment & Disability Protection
Accidental Death & Dismemberment Benefit
When an accident happens, you do not want to be worrying about mounting bills, household expenses and mortgage payments. If the insured, who is the person protected under the policy, sustains any of the injuries listed in the Benefit Schedule for the Accidental Death & Dismemberment Benefit occurs within 180 days after an accident, we will pay a lump sum benefit according to the Benefit Schedule for the Accidental Death & Dismemberment Benefit to help manage expenses.
Permanent Total Disability Benefit
If an accident leaves the insured, totally and permanently disabled within 180 days from the date of an accident, and the insured remains totally and permanently disabled for 6 consecutive months, Super Adults Shield will pay a Permanent Total Disability Benefit, giving much-needed financial support.
When such diagnosed disability has continued for 6 months consecutively, the insured will receive a monthly payment equal to 1% of the sum assured beginning from the 7th month and continuing up to 100 months (while disability continues).
Permanent Total Disability Benefit will no longer be provided upon Accidental Death & Dismemberment Benefit has been paid for any disability, vice versa.
As long as the amount claimed for Accidental Death & Dismemberment Benefit and / or Permanent Disability Benefit has not reached 100% of the sum assured, the policy is still in-force. After reimbursement of the Accident Death & Dismemberment Benefit and / or Permanent Total Disability Benefit, the current sum assured and the premium will be reduced accordingly.
Please refer to “Product Limitations” about the adjustment of sum assured and premium.
Psychological Counselling Services
If the insured needs any psychological counselling after sustaining an accidental injury or disability covered under the Accidental Death & Dismemberment Benefit or Permanent Total Disability Benefit, we will pay the necessary psychological counselling expenses according to the Benefits Schedule of Super Adults Shield.
Double Indemnity Benefit
In the unfortunate event of death, dismemberment or permanent total disability due to an accident related to any of the following, we will double the compensation where the insured was:
- a fare-paying passenger traveling on marine, land or air public transportation, e.g. ferry, bus, coach, train / MTR, taxi or airplane etc.
- riding in a passenger-carrying elevator (excluding elevators of a mine or construction site)
- injured in fire in a theatre, public auditorium, hotel, school or hospital
- a pedestrian injured in a traffic accident and / or struck by any motor-driven / powered vehicle
- injured in natural flooding or landslide in Hong Kong or Macau
Such additional compensation from the Double Indemnity Benefit will not reduce the current sum assured and the premium.
Compassionate Death Benefit
If the worst should happen and the insured passes away, we will pay the beneficiary the Compassionate Death Benefit in lump sum. The payable sum of Compassionate Death Benefit is capped at HK$10,000 per life for all such policies held with us.