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Provides the Life Insured with an accidental protection for 15 years and 100% refund of the total premiums paid upon maturity.
A life without any hiccup is what everybody wants. In the unfortunate event of an accident, you may need to pay a heavy bill for medical and other expenses. This may mess up your financial plan, and may take a toll on your family’s daily life as well. Refundable Accident Protection Life Insurance Plan specially offered to selected customers of Hang Seng Bank, and provides the Life Insured with an accidental protection for 15 years.
In addition, a 100% refund of the total premiums paid is payable upon maturity if the policy remains in force, irrespective of any claim made under the Plan.
100% refund of the total premiums paid will be payable upon policy maturity if the policy remains in force, even if any claim has been made on the Accidental Disability and Dismemberment Benefit (provided that the total claim amount is less than 100% of the benefit amount), Accidental Medical Expense Benefit or Accidental Fracture Cash Benefit.
Up to HKD800,000 will be payable in accordance with the Benefit Schedule, in the unfortunate event of the Insured Person’s death, disability or dismemberment caused by an accident.
If such accident happens while the Life Insured is riding as a fare paying passenger on any public common carrier, the Accidental Death Benefit or Accidental Disability and Dismemberment Benefit payable will be doubled, subject to a maximum of HKD1,600,000.
If the Life Insured sustains any injury due to an accident and requires medically necessary treatments or services, including surgery, x-ray, chiropractic and physiotherapy, the actual expenses paid will be reimbursed under the Plan.
Only open for enrolment by selected customers, without any requirement for medical proof or medical checkup at all.
The Insured Person will enjoy protection against accidents for 15 years upon payment of premiums for only 10 years.
Remark(s): Please refer to the Product Brochure for detailed terms and conditions and exclusions.
The Plan is only available to selected customers of “Hang Seng Bank”. We will contact selected customers by phone to invite them to enroll.
You can find all the forms and documents here for our insurance products.