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  • vitality

    Benefit Term

    1 / 3 / 30 / 90 Day(s)

    Issue age

    Age 18 - 70

    Why do you need this plan?

    Runner Guard provides coverages specifically targeted on sports injuries incurred during running events

    • Covers sports sports injuries incurred at running events (e.g. cardiac arrest, ligament tear)

      Covers sports sports injuries incurred at running events (e.g. cardiac arrest, ligament tear)

    • Covers injuries caused by specific wild animals at running events

      Covers injuries caused by specific wild animals at running events

    • Lump sum benefit paid out under Runner Guard regardless of the medical expenditure or injury seriousness.

      Lump sum benefit paid out under Runner Guard regardless of the medical expenditure or injury seriousness.

    • Product Brochure Product Brochure
    • Policy Provisions Policy Provisions
    • FAQ FAQ

    Help us know you better for an accurate quote

    Date of birth
    Cover Start Date

    BENEFITS AND PREMIUM

    We offer 4 benefit terms for you to choose from, each providing a different duration of cover. Premium payment mode for this plan is single premium.

    ()
    ()
    Premium
    (% OFF)
    Cover End Date:

    Runner Guard

    1. Running Injury Benefit
    (a) Death 100%
    (b) Cardiac Arrest 100%
    (c) Coma 100%
    (d) Permanent Loss of Limb or Loss of Sight 100%
    (e) Exertional Heat Stroke HK$10,000
    Without Surgery With Surgery
    (f) Achilles Tendon Rupture HK$5,000 10%
    (g) Hamstring Tear HK$5,000 10%
    (h) Ligament Tear (at Ankle or Knee Joint) HK$5,000 10%
    (i) Patellar Tendon Rupture HK$5,000 10%
    (j) Quadriceps Tendon Rupture HK$5,000 10%
    (k) Bone Fracture
    at one, some or all of the following sites:
    Ankle, fibula, tibia, femur, patella, pelvis, vertebra, ribs, sternum, wrist, ulna, radius, humerus, scapula, clavicle, facial and skull
    HK$5,000 5%
    (l) Dislocation of Joint
    at one, some or all of the following sites:
    Spine, hip, knee, wrist, elbow, ankle, shoulder blade
    HK$3,000
    2. Wild Nature Benefit
    (a) Paralysis 100%
    (b) Loss of Toe or Finger 10%
    (c) Other Injury requiring Confinement in a Hospital or Out-Patient Treatment HK$2,000

    In the event that the Insured sustains more than one covered loss (whether pursuant to Running Injury Benefit and/or Wild Nature Benefit herein) within the same Duration of Participation of a Covered Run, no indemnity shall be paid for more than one of the losses, and the loss indemnified shall be that for which the largest benefit amount is payable as determined by the Company under Running Injury Benefit or Wild Nature Benefit herein.

    Regardless of the number of Accidents and covered losses sustained by the Insured, the total maximum liability of the Company under this Policy shall not exceed 100% of the Sum Assured.

    Covered Running Activity

    What kind of running activity is covered?

    We cover running activities including cross country running, marathons, road running and trail running, but not including any multi-discipline sport with running as one of the elements.

    Covered Run

    How do I know if a running event is covered?

    We cover running competitions or events covering a predetermined distance and/ or course, including but not limited to charity or sponsored events, that meets all of the following criteria:

    • Has a minimum of 50 participants;
    • Except in the case of a charity run or sponsored event without registration fee, charges a registration fee of up to HK$5,000 per participant;
    • Is open to the general public, or is organized or sponsored by AIA;
    • Covering a distance and/or course equal to or greater than 3,000m;
    • Wholly takes place up to an altitude of 2,000m;
    • Has paramedic services available on site; and
    • Exclusively involves a Covered Running Activity.

    Covered Duration of Participation

    Does Runner Guard cover the entire time of the running event?

    We provide cover within the duration of a covered running event, starting from the assigned start time and ending when the insured withdraws from such event or crosses the finish line, including any period during which emergency medical assistance is rendered to the insured by a paramedic or registered medical practitioner immediately after the insured withdraws or crosses the finish line, but excluding any period before the covered running event begins or any time spent waiting for or attending events held following the covered running event (e.g. award ceremony).

    * For details, please refer to the policy provisions

    What does it provide?

    Running with the wind in your hair is a satisfaction like no other, but sports-related injuries are unfortunately commonplace. That’s why AIA’s Runner Guard offers protection specifically tailored to professional and amateur runners, covering you for a range of running-related injuries from the start of your event to the finish line.

    • Running Injury Benefit
      Running Injury Benefit

      Runner Guard will pay a lump sum benefit with highest amount for the following injuries if the insured suffers an accident during the event that the insured participates in and resulting in multiple covered injuries: 

      • Death
      • Cardiac Arrest
      • Coma
      • Permanent Loss of Limb or Loss of Sight
      • Exertional Heat Stroke
      • Achilles Tendon Rupture
      • Hamstring Tear
      • Ligament Tear (at Ankle or Knee Joint)
      • Patellar Tendon Rupture
      • Quadriceps Tendon Rupture
      • Bone Fracture
      • Dislocation of Joint

       

       

    • Wild Nature Benefit
      Wild Nature Benefit

      If the insured suffers an unprovoked attack by a wild boar, porcupine, dog, snake, cow or monkey within the Covered Duration of Participation and is treated at a hospital or outpatient clinic as a result, Runner Guard will pay a Wild Nature Benefit according to the severity of the injury:

      • Paralysis
      • Loss of Toe or Finger
      • Other Injury requiring Confinement in a Hospital or Out-Patient Treatment

       

    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.

    ADDITIONAL INFORMATION

    If the insured is covered under more than one Runner Guard policy underwritten by us for losses arising from the same event, only the Runner Guard policy with the greatest amount of indemnity payable for the relevant covered losses will apply.


    KEY PRODUCT RISKS

    1. 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;
      • when the policy is cancelled by the company;
      • the end of the period of insurance; or
      • when the total benefit amount(s) paid under the policy reaching 100% of the sum assured.
    2. 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.

    Key Exclusions

    Under this plan, we will not cover 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;
    • suicide or attempted suicide or self-inflicted injury or deliberate exposure to exceptional danger (except in an attempt to save human life), or is sustained whilst the insured 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 Insured is under the influence of alcohol or any non-prescribed drug;
    • pregnancy or any complications;
    • routine health checks, any investigation(s) not directly related to admission, diagnosis, illness or injury, any treatment or investigation which is not medically necessary, or convalescence, custodian or rest care or any treatment or investigation which is not consistent in accordance with standards of good medical practice;
    • participation by the insured in a Covered Running Activity while this Policy is in force against medical advice previously given by a registered practitioner of western medicine or Chinese medicine, a physiotherapist or a chiropractor (including advice given up to six months prior to the date of application for the policy);
    • violation by the insured of any of the official rules of a covered Run including but not limited to (i) not following the instructions of run or event officials; (ii) leaving the official course route (except where the Insured has deviated from the course due to inadvertence or conditions created by a natural disaster (e.g. flooding, landslide) in which case coverage may be provided in the sole discretion of the Company); (iii) non-use or misuse of all appropriate clothing and/or safety equipment relevant to the covered running activity; or (iv) running with the whole part of the face covered;
    • participation by the insured in any event that is not a Covered Run;
    • any losses arising from an act of terrorism;
    • any pre-existing physical impairment; or
    • parkour, free running, sedan chair running, backward running, steeplechase, multi-discipline sports (e.g. triathlon), events featuring man-made obstacles (e.g. man-made mud pits, manmade slippery slopes, wall climbs, tunnel crawls, or other similar man-made obstacles)

     

    The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.


    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) 3108 1928 in Hong Kong, or by visiting 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 insured’s passing, to your beneficiary.

    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

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