We evolve to fight with Omicron. New COVID-19 protection of up to HKD1 million with 101% refund of premium paid upon maturity despite claims
eRefund101 Accident & COVID Insurance Plan(2-Year) (“eRefund101” or “the Plan”) is a life insurance plan underwritten by Hang Seng Insurance Company Limited and is not equivalent or similar to any kind of bank deposit. The plan is designed as a short policy term of 2-year life, accidental, COVID-19 and vaccine side-effect protection. In addition, a 101% refund of the total premium paid is payable upon maturity if the policy remains in force, irrespective of any claim made under the Plan. Application is easy - simply submit your application online, and without requirement of medical examinations or documentation.
Only 3 simple steps to apply online – Quote > Apply > Payment
Mr Chan, aged 50, was looking for an accidental protection plan for himself. In case of unexpected accident, he could still safeguard the living standard of himself and his family. Furthermore, Mr Chan’s son would be entering the university in 2 years and he would need to reserve a fund for supporting his son’s tuition fee. As a result, Mr Chan enrolled in Plan D of eRefund101 Accident & COVID Insurance Plan(2-Year) to provide himself with accidental protection as well as achieve short-term saving to get financially prepared for his son to enter the university.
Monthly premium was HKD3,880
2 months later
Mr Chan accidentally fell while he was taking the bus, which has led to a broken wrist. He was admitted to the hospital for surgery and received physiotherapy treatments. The medical expense paid was HKD27,500.
Received the reimbursed Accidental Medical Expense Benefit compensation amount of HKD27,500
9 months later
Mr Chan was unfortunately diagnosed with COVID-19 in Hong Kong.
Received the COVID-19 Diagnosis Benefit compensation amount of HKD50,000
End of Year 2
Miss Cheung, aged 35, could foresee herself travelling frequently for work in the next 2 to 3 years. She was concerned she would encounter accidents at any time when staying abroad, so she was looking for a short tenor accidental protection plan. Miss Cheung decided to enrol in Plan C of eRefund101 Accident & COVID Insurance Plan(2-Year) to provide herself with accidental protection of with geographical restriction.
Monthly premium was HKD1,940
3 months later, Miss Cheung received the recognised COVID-19 vaccine in Hong Kong
The side effects appeared on the 7th day after vaccination, she needed to get hospitalised within 24 hours, and the total number of days of hospital confinement was 3 days.
Received the COVID-19 Vaccine Side Effect Hospital Cash Benefit compensation amount of HKD7,500
9 months later, Miss Cheung travelled to UK for work
She accidentally sprained her waist and was required to do the X-ray examination as well as receiving physiotherapy treatments locally. The medical expenses paid was HKD6,500.
Received the reimbursed Accidental Medical Expense Benefit compensation amount of HKD6,500
End of Year 2
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