Skip to main content
  • ENG
  • 繁體
  • Home
  • Life Protection
    • Wisdom Term
  • Health Care Protection
    • Cancer Guardian 2 Series
    • Cancer Care Essence
    • AIA Voluntary Health Insurance Standard Scheme
    • AIA Voluntary Health Insurance Flexi Scheme
    • AIA Voluntary Health Insurance Prime Scheme
    • AIA One Absolute – Cancer & Serious Infectious Disease Protection
    • Simple Care Essence
  • Accident & Other Protections
    • Here For You Refundable Accident Plus
    • Super Adults Shield
    • Runner Guard
    • Xtra Protect
    • Secure First
  • Savings
    • Simply Love Encore 5
  • General Insurance
    • Domestic Worker Protector
    • Executive Golfer
    • Home Insurance
    • Runner Guard
  • Promotion Offer
    • AIA Vitality
    • AIA iShop General Insurance Lucky Draw Promotion
  • My application
  • Wish List
  • Logout
AIA
  • Life Protection

    Life Protection

    Rain or shine, life protection ensures your loved ones are well taken care off, helping you to forge ahead without any worries.

    • Wisdom Term

      A plan for every stage in your life

  • Health Care Protection

    Health Care Protection

    Health is your greatest asset, yet unexpected medical expenses can eat into your savings. With medical protection, you can shield yourself against various medical expenses and focus on your recovery.

    • Cancer Guardian 2 Series

      Protecting you for life against the odds

    • Cancer Care Essence

      Stand by you through difficult times

    • AIA Voluntary Health Insurance Standard Scheme

      Plan your family’s healthy future

    • AIA Voluntary Health Insurance Flexi Scheme

      Lifetime protection for those who matter most

    • AIA Voluntary Health Insurance Prime Scheme

      Superb protection that supports you through life's hardships

    • AIA One Absolute – Cancer & Serious Infectious Disease Protection

      Breakthrough protection for a new era

    • Simple Care Essence

      Spread a wide safety net for a secure future

  • Accident & Other Protections

    Accident & Other Protections

    Accident protection protects you against the unexpected and provides cash pay-out to support your family through those difficult moments.

    • Here For You Refundable Accident Plus

      Accident protection to carry you through the unexpected

    • Super Adults Shield

      Protect every member of your family

    • Runner Guard

      Always give your best race and trust our support

    • Xtra Protect

      Smart preparation for extra peace of mind

    • Secure First

      Protect every member of your family

  • Savings

    Savings

    Whether you are saving for your child's education, building your wealth for retirement, or realising a life goal, it's essential to have the means to reach your financial goals. Savings insurance could help you build up your savings and secure a future to look forward to.

    • Simply Love Encore 5

      Enjoy certainty and ease in your planning

  • General Insurance

    General Insurance

    General insurance provides essential protection for your home, domestic worker, and valuables - even your golfing habit, giving you the peace of mind to savour the finer things in life.

    • Domestic Worker Protector

      Provide your helper with additional protections so that they can take care of your family without worries

    • Executive Golfer

      Perfect your golf experience with up to HK$10 million protection and No Claim Discount

    • Home Insurance

      Be at ease with an all-round protection for your household contents, personal belongings and liability

    • Runner Guard

      Always give your best race and trust our support

  • Promotion Offer

    Promotion Offer

    • AIA Vitality

    • AIA iShop General Insurance Lucky Draw Promotion

  • menu nav menu nav
  • menu nav menu nav
    • ()
  • menu nav menu nav
      • ENG
      • 繁體
    • My Application

    • Contact us

    • Logout

Accident & Other Protections
Contact Us
Back to Top
  • {{svg}}

    {{title}}

    {{label}}
  • vitality

    Benefit Term

    UP TO THE AGE OF 76

    Issue age

    Age 18 - 65

    Why do you need this plan?

    • High coverage amount on accidental death & dismemberment and permanent total disability up to HK$2,250,000. Medical expenses reimbursement and hospital income will also be provided for accident casualties

      High coverage amount on accidental death & dismemberment and permanent total disability up to HK$2,250,000. Medical expenses reimbursement and hospital income will also be provided for accident casualties

    • Double the compensation under certain circumstances, including when the insured travels on a public transportation as a fare-paying passenger, or as being a pedestrian injured in a traffic accident

      Double the compensation under certain circumstances, including when the insured travels on a public transportation as a fare-paying passenger, or as being a pedestrian injured in a traffic accident

    • Extended protection during rehabilitation, which cover psychological counselling services and transportation fee subsidy

      Extended protection during rehabilitation, which cover psychological counselling services and transportation fee subsidy

    • Product Brochure (with Benefit Schedule) Product Brochure (with Benefit Schedule)
    • Policy Provisions Policy Provisions

    Help us know you better for an accurate quote

    Date of birth
    Gender

    Cover at a glance

    Different premium payment modes (annually and monthly) are available for this plan..

    ()
    ()
    Monthly Premium
    (% OFF)

    JOIN AND ENJOY AN INSTANT 10% PREMIUM DISCOUNT

    We are excited to introduce AIA Vitality, a game changing wellness programme which redefines the traditional concept of insurance and aims to reward customers to live a healthy lifestyle. Once you join AIA Vitality, you can enjoy an instant 10% premium discount!

    What does it provide?

    The future is difficult to predict. You can, however, choose how well you protect your loved ones. Super Adults Shield provides comprehensive protection for you, you will be covered for accidents and fatalities.

    • Cover at a glance
      Cover at a glance

      1. Accidental Death, Dismemberment & Disability Protection
        • Accidental Death & Dismemberment Benefit 
        • Permanent Total Disability Benefit
        • Psychological Counselling Services
        • Double Indemnity Benefit
        • Compassionate Death Benefit
      2. Accidental Medical Expenses, Daily Incomes 
        • Accidental Medical Expenses Reimbursement Benefit
        • Accidental Hospital Income Benefit
        • Transportation Fee Subsidy
      3. Other
        • Worldwide Emergency Assistance Services

    • Accidental Death, Dismemberment & Disability Protection
      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. 

    • Accidental Medical Expenses, Daily Incomes
      Accidental Medical Expenses, Daily Incomes

      Accidental Medical Expenses Reimbursement Benefit

      If the insured is injured in an accident, we will reimburse the reasonable and customary medical expenses incurred within 52 weeks after the accident, up to the maximum limit per accident for the insured. A range of medically necessary medicines, treatments and services are covered, including but not limited to bone-setting, acupuncture, physiotherapy and chiropractic treatment.

       

      Accidental Hospital Income Benefit

      If the insured is confined in a hospital as a result of suffering a covered injury from an accident, we will pay a daily income benefit. 

       

      Transportation Fee Subsidy

      If the insured is confined in a hospital for over 3 days due to an accidental injury, and is recommended by a registered medical practitioner to receive further treatments after discharge, we will pay a sum of subsidy according to the Benefits Schedule of Super Adults Shield, regardless of the type of transportation used.

       

      We will pay this benefit to the insured if only the Accident Hospital Income benefit is paid. 

    • Worldwide Emergency Assistance Services
      Worldwide Emergency Assistance Services

      If the insured is a permanent resident of Hong Kong or Macau, we offer emergency assistance services to the insured anywhere in the world, including:

      • emergency medical evacuation and repatriation of remains, with per life limit up to HK$5,000,000 (under all policies held with us and AIA Company Limited covering the same insured) 
      • 24-hour worldwide telephone enquiry services


    Important information

    Important information
    - COLLAPSE + EXPAND

    This website does not contain the full terms and conditions of the policy. 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 sample 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 plan is an insurance plan without any savings element. All premiums are paid for the insurance and related costs.

    This brochure is for distribution in Hong Kong only.

    KEY PRODUCT RISKS

    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.

    KEY EXCLUSIONS

    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.


    PRODUCT LIMITATIONS

    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.

    PREMIUM ADJUSTMENT

    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.


    CLAIM PROCEDURE

    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.


    PAYMENT OF BENEFITS

    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.


    CANCELLATION RIGHT

    • 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.


    Terms & Conditions of Super Adults Shield Birthday Offer

    Terms & Conditions of Super Adults Shield Birthday Offer
    - COLLAPSE + EXPAND

    General Terms and Conditions for the Birthday Offer:

    1. The Birthday Offer is only applicable from 1 January to 31 December 2019 to customers applying the above specified protection plans within 2 months before and not longer than 3 months after their birthday months (based on the policy application date).
    2. The offer is non-transferable and cannot be exchanged or redeemed for cash under any circumstances. 3. AIA reserves the right to withdraw the offer and to change any terms and conditions of the offer without further notices. In the event of any disputes, AIA’s decision shall be final and conclusive.

    Terms and Conditions for the offer of Super Adults Shield/ AIA Vitality Series: Super Adults Shield: 

    1. The calculation of the premium refund is only applicable to the standard premium and extra premium due to underwriting (if any) of the New Policy. Apart from the New Policy, the premiums of all other basic plan(s) and/or add-on plan(s) and levy will not be applied for calculating the premium refund or discount amount.
    2. Each New Policy can only enjoy this promotion offer once during the Promotion Period. This promotion offer will not be available in conjunction with other AIA promotional offers. If the New Policy fulfils more than one promotional offer’s requirement, the promotion offer with higher premium refund amount will be entitled.
    3. The Promotion Offers are not applicable to applicants who have submitted applications before Promotion Period but withdrew the applications or cancelled the issued policies during the Promotion Period and then re-applied for the same products.
    4. The rider of the above Specified Protection Plan (if applicable) must be attached to a New Basic Plan that is applied within the Promotion Period and issued within two months after the Promotion Period in order to be eligible for this premium refund offer.
    5. Premium Refund arrangement for the New Policy is as follows: 
      • At the end of the first policy year, the New Policy will entitle to 1 month premium refund. 
      • At the end of the second policy year, the New Policy will entitle to the balance of the premium refund entitled.
    6. The Refund will be used for the premium settlement in the next premium due date after the first and the second Policy Anniversary. The Refund is used for settlement of future premium of the New Policy only, withdrawal of the Refund is not allowed. Moreover, the New Policy should remain in-force from the issue date to the time of premium refund. Otherwise, the refund will be forfeited.
    7. New Policy is entitled to a promotional premium rate as follows:
    Accident Pro Prime
    CONTACT AIA
    Hong Kong
    • Customer Service Centres:
      • Prior booking is highly recommended - Customer Service Centre will serve customers who have made appointment with priority. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).


    HONG KONG

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri 8:45am - 6:00pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    CONTACT AIA

    Hong Kong
    • Customer Service Centres:
      • Prior booking is highly recommended - Customer Service Centre will serve customers who have made appointment with priority. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).


    Hong Kong

    T: (852)  2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong
     
    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong
     
    Mon-Fri 8:45am - 6:00pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    EXPLORE AIA

    AIA.COM

    AIA Vitality

    AIA MPF

    AIA Hong Kong

    ABOUT AIA

    Media Center

    Career

    GO TO

    AIA.COM

    Visit our corporate site to learn more about AIA.

    EXPLORE AIA

    AIA Vitality

    AIA Hong Kong

    ABOUT AIA

    Media Centre

    Career


    Copyright © 2022 AIA Group Limited and its subsidiaries. All rights reserved."AIA Hong Kong", "AIA Macau", "AIA", the "Company", "we", "us" or "our" as used in this webpage refers to AIA International Limited (Incorporated in Bermuda with limited liability)
    Terms of Use | Privacy Statement