1. You should pay the premium for the plan you have chosen until the end of benefit term. If you do not pay the premium within 31 days of the premium due date, the policy will be terminated and the person protected under the policy will lose the cover.
   
   
2. You may request for the termination of your policy by notifying us in written notice. Also, we will terminate your policy and you / the insured will lose the cover when one of the following happens:
   • the insured passes away;
     
   • you do not pay the premium within 31 days of the premium due date;
   • anniversary of your cover immediately following the insured’s 76th birthday;
   • the benefit paid reaches 100% of the aggregate sum assured of Accidental Death & Dismemberment Benefit and / or Permanent Total Disability
     
     
3. We issue the policy and decide your premium based on the insured’s occupation class. You must immediately notify us of any change to the insured’s occupation, employment, duties and other pursuits once the policy becomes effective; following which, we will recalculate your premium and / or purchasable amount of benefits based on the new occupation class, and pay the claims accordingly. If the change to the insured’s occupation, employment, duties and other pursuits is one that is classified by the Company as not insurable, we will not be liable for any losses sustained pertaining to that occupation.
   
   
4. We reserve the right to terminate this policy at any time by giving a 30-day prior written notice to you. Upon termination, our liability is limited to the refund of unearned portion of premium.
   
   
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, the person protected under the policy may lose his / her cover and you may lose the remaining premium for that policy year.
   
   
6. You are subject to exchange rate risks for plans denominated in currencies other than the local currency. Exchange rates fluctuate from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks.
   
   
7. Your current planned benefit may not be sufficient to meet any future needs since the future costs of living may be higher than they are today due to inflation.

Except for the Compassionate Death Benefit, we will not cover conditions that result from any of the following events:

• war, declared or undeclared, or revolution;
• service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order;
• violation or attempted violation of the law or resistance to arrest;
• 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 person protected under the policy is in a state of insanity;
• ptomaines or bacterial infection (except pyogenic infection which shall occur with and through an accidental cut or wound);
• accident occurring while or because the person protected under the policy is under the influence of alcohol or any non-prescribed drug;
• pregnancy, miscarriage, childbirth or any complications concerning therewith;
• 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;
• the insured engaging in a sport in a professional or income capacity;
• the insured while on duty as a professional driver, entering, driving, operating, servicing, riding in or exiting any land vehicle or conveyance outside the territorial limits of Hong Kong;
• assault, murder, riot, civil commotion, strikes or making an arrest while the person protected under the policy 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 person protected under the policy 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;
• any kind of disease and illness;
• Acquired Immunodeficiency Syndrome (AIDS) or any complications associated with infection by any Human Immunodeficiency Virus (HIV);
• any congenital defect or anomaly which has manifested or was diagnosed before the person protected under the policy attains the age of 17; or
• cosmetic or plastic surgery or any elective surgery.

Additionally for Broken Bone Cash Benefit: 


• injury that is caused by osteoporosis or pathological fracture (any fracture in an area where pre-existing disease has caused weakening of the bone) if the osteoporosis or bone disease was diagnosed prior to the issue date or the commencement date of the policy, whichever is later

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 Death & Dismemberment Benefit and Permanent Total Disability Benefit
   

   These benefits are only applicable for the loss resulted from a covered injury within 180 days after an accident. The loss must be listed in the Benefit Schedule for the Accidental Death & Dismemberment Benefit in product brochure or defined as a Permanent Total Disability.

   In the event that a series of losses shall arise out of the same accident, benefit shall only be paid for one of the losses, for which the amount of benefit payable shall be the greatest amount of benefit as shown in the Benefits Schedule for Accidental Death & Dismemberment Benefit in product brochure.

2. Accidental Medical Expenses Reimbursement Benefit 
   

   This benefit is only applicable to the reasonable and customary charges for actual medical expenses incurred within 52 weeks from the date of an accident.

3. Accidental Hospital Income Benefit
   a. If the confinement of the person protected under the policy occurs out of the covered countries and place, the Accidental Hospital Income Benefit will be:
   1. reduced by 50% for each confinement;
   2. not exceed a period of 90 days of same confinement for any one covered injury; and
   3. not exceed a maximum aggregate limit of US$60 or HK$480 per day of confinement (including any other similar hospitalisation benefit provided by other insurance policies / supplementary contracts issued by the Company and / or AIA Company Limited in respect of the same person protected under the policy)

   b. Maximum of 1,000 days of confinement per accident
   Covered countries or place include:
   Hong Kong, Macau, Malaysia, Thailand, Taiwan, Japan, South Korea, Singapore, United States of America, Australia, New Zealand, Canada, Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City.

4. Reasonable and customary charges
   

   We only cover the charges and / or expenses of the person protected under the policy 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.

5. Calculation of the adjustment of sum assured and premium of Accidental Death & Dismemberment Benefit, Permanent Total Disability Benefit and Accidental Medical Expenses Reimbursement Benefit
   
   • Once there is any claim payable for Accidental Death & Dismemberment Benefit or Permanent Total Disability Benefit and the aggregate benefit amount has not yet reached 100% of sum assured, both sum assured and premium of Accidental Death & Dismemberment Benefit, Permanent Total Disability Benefit and Accidental Medical Expenses Reimbursement Benefit (if applicable) will be reduced.
   • The reduction of sum assured will be subject to the percentage of benefit paid of Accidental Death & Dismemberment Benefit or Permanent Total Disability Benefit. And the new sum assured will be applied for next accident. The new premium will be calculated according to the new sum assured of Accidental Death & Dismemberment Benefit or Permanent Total Disability Benefit.
   • If there is only claim payable for Accidental Medical Expenses Reimbursement Benefit, both sum assured and premium of the policy for the next accident will not be reduced.

In order to provide you with continuous protection, we will annually review the premium of your plan from time to time and adjust it at the end of policy year if necessary. During the review, we may consider factors including but not limited to the following:

• claim costs incurred from all policies under this plan and the expected claim outgo in the future, which reflect the impact of change in the incidence rates of accidental deaths and dismemberments / permanent total disabilities, medical trends and medical cost inflation (where applicable)
  
• historical investment returns and the future outlook of the product’s backing asset
  
• policy surrenders and lapses
  
• expenses directly related to the policy and indirect expenses allocated to this product

We will give you a written notice of any revision 30 days before renewal.

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 passing of the person protected under the policy, 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 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.