Accident may cause you injuries that require hospital treatment, or result in serious disabilities that affect your daily life and work. Well Protect Accident Supplementary Benefit (the 'Supplementary Benefit') offers accident protection on top of the basic plan at affordable premium. It provides financial support when you are injured in accident.
Product Type
Supplementary Benefit
Issue Age (on last birthday)
Age 0 (15 days) to age 60
Premium Payment Term and Benefit Term
Yearly renewal up to life insured age 70
Policy Currency
Same as the basic plan
Premium Payment Mode
Same as the basic plan
Minimum Sum Insured
HKD300,000 / RMB300,000 / USD37,500
Maximum Sum Insured
HKD3,000,000 / RMB3,000,000 / USD375,000
Accidental Hospital Income Benefit 1,2,3
Daily accidental hospital income benefit equals to 0.1% of sum insured of this Supplementary Benefit (up to 90 days of hospital confinement per accident)
Accidental Disability and Dismemberment Benefit
Accidental disability and dismemberment benefit shall equal to the percentage of sum insured of the relevant covered events
Accidental Total and Permanent Disability Benefit
If the life insured suffers from total and permanent disability4 within 180 days from the date of an accident between the birthday of age 18 and age 65, accidental total and permanent disability benefit equals to sum insured of this Supplementary Benefit at the time of the accident, less aggregate paid amount of accidental death and dismemberment benefit (if any) will be paid.
Double Indemnity
Accidental disability and dismemberment benefit and accidental total and permanent disability benefit payable will be doubled if the life insured passed away, injures or suffers from total and permanent disability from accident:
- While the life insured is a fare paying passenger within any mechanically propelled non-aerial and non-marine public conveyance; or
- While the life insured is a pedestrian injured in a traffic accident and/or struck by any motor driven / powered vehicle; or
- While the life insured is in an elevator car (elevators in mines and on construction sites excluded) duly certified to carry passengers; or
- As a direct result of the burning of the following public buildings only: theatre, public auditorium, hotel, school and hospital; or
- As a result of flooding and/or landslide caused by natural disaster in Hong Kong; or
- Both the life insured and spouse of the life insured die as a result of the same accident.
1. Hospital confinement means the registration for admission and confinement of the life insured as an in-patient in a hospital upon recommendation of a physician for the treatment of an injury or sickness for a minimum of 6 hours and continuously stay in the hospital prior to discharge. If two or more confinements are due to the same accident, or to any complications arising from it, such confinements shall be regarded as one confinement. Hospital confinement must be medically necessary*.
* Medically necessary means in respect of confinement, treatment, procedure, supplies or other medical services, such confinement, treatment, procedure, supplies or other medical services which are, in the Company's opinion:
- required for, appropriate and consistent with the symptoms and findings or diagnosis and treatment of the disability;
- in accordance with generally accepted medical practice and not of an experimental or investigative nature;
- not for the convenience of the life insured, the policyowner, the physician or any other person; and
- not able to be omitted without adversely affecting the life insured's medical condition.
2. If the life insured is confined in a hospital in places other than Hong Kong, the Macau Special Administrative Region, Singapore, Malaysia, Thailand, Japan, Taiwan, South Korea, U.S.A., Canada, Western Europe (Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City), Australia and New Zealand, any benefit payable for each day of hospital confinement shall be reduced to 50% of the relevant benefits; and the maximum period for which the daily accidental hospital income benefit is payable per hospital confinement shall be reduced to 30 days.
3. For hospitals in PRC, hospitals not listed on the prevailing "List of Specified Hospitals in PRC" maintained by the Company at the time of admission do not fall within the definition of "Hospital". Please refer to the Company's website for the "List of Specified Hospitals in PRC".
4. Total and permanent disability means that after 183 days of continuous total disability which has resulted from the injury, the life insured is completely unable to engage in any gainful employment, occupation or profession or to obtain any wages, compensation or profit for the remainder of his life.
Note:
1. This plan is underwritten by Well Link Life Insurance Company Limited.
2. The above content contains general information for reference only. It is not part of the policy and does not contain the full policy's terms. Please refer to the policy documents for the full terms and conditions of this plan as well as the complete definitions of the capitalized terms. You should read this information alongside the brochure and other relevant materials which cover additional information about this product, including but not limited to benefit illustration (if any), other marketing materials, policy provision and other policy documents, which are available upon request. You may seek independent professional advice if necessary.
No accidental benefits shall be payable if the life insured's death or injury is caused directly or indirectly, wholly or partly, by any one or more of the following:
- any pre-existing condition;
- taking of drugs other than under the prescription or direction of a physician, abuse of alcohol or the taking of poison;
- any kind of sickness or disease, or bacterial or viral infection except bacteria infection resulting from an accidental cut or wound;
- disease of or infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or mutations, derivation or variations thereof;
- nuclear fission, nuclear fusion, ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuels or nuclear weapons material;
- war or hostilities (whether war be declared or not), civil commotion rebellion, revolution, riot, strikes, terrorist or warlike activities;
- participation in any armed force or peace keeping activities;
- an act of any person acting on their own or on behalf of or in connection with any group or organization to influence by force, any group, corporation or government by terrorism, murder or attempted murder, kidnapping or attempted kidnapping, attack, assault or any other violent means;
- suicide or an intentional self-inflicted act while sane or insane;
- violation or attempted violation of the law or resistance to arrest or participation in any brawl or affray;
- cosmetic or plastic surgery, or any elective surgery or congenital anomalies, apart from reconstructive surgery required by Injury caused by an accident;
- childbirth, miscarriage, abortion, pregnancy and any complications thereof, notwithstanding that such event may have been accelerated or induced by Injury; or
- professional sports, racing of any kind, underwater activities involving the use of breathing apparatus, aerial flights (including bungee-jumping, hang-gliding, ballooning, parachuting and sky-diving) other than a crew member or as a fare-paying passenger on a licensed carrying commercial aircraft operating in a regular scheduled route or any hazardous activities or sports unless agreed by special endorsement.
Pre-existing condition means any condition or illness prior to the policy issue date or the effective date of endorsement or the effective date of last reinstatement of this Supplementary Benefit, whichever is the latest:
- which existed or was existing; or
- where its direct cause existed or was existing; or
- in respect of which the Life Insured has knowledge, signs or symptoms of the condition or illness; or
- where any laboratory test or investigation showed the likely presence of the condition or illness.
Nature of the product
This product is a non-participating Supplementary Benefit and does not entitle the policyowner to participate in the profits or surplus of the Company. The product provides accidental benefit of non-indemnity nature and is aiming at customers who can pay the premium as long as they want the accident protection. As a result, customers are advised to save enough money to cover the premiums in the future.
Cooling-off Period
If you are not satisfied with the policy and have not made any claim under the policy, you have the right to cancel it and obtain a refund of any premium(s) paid by giving a written notice of cancellation to us within the cooling-off period. The cooling-off period is the period of 21 calendar days immediately following the day of the delivery of (1) the policy; or (2) the Cooling-off Notice, to you or your nominated representative, whichever is the earlier. The Cooling-off Notice will be sent to you or your nominated representative to notify you of the cooling-off period around the time the policy is delivered.
Premium Adjustment
Premiums are determined based on the risk class (including but not limited to age, sex, residency and occupation, as the case may be) of the life insured. Policyowner is responsible to notify the Company of any subsequent changes to the information disclosed during application process. The Company reserves the right to review and adjust the premium rates of these products based on our expectation and experience of a series of factors including but not limited to investment returns, claims, policy surrenders and expenses. The Company will not adjust the premium unless we notify you prior to the policy's anniversary.
Claims
Any claim request must be given to the Company in writing within 30 days after the date of the accident causing the relevant injury or death. Satisfactory proof and any supporting evidence must be given to the Company within 90 days after the date of such injury or death at the expenses of the policyowner or claimant. You can call our Claims Hotline at +852 2830 7600 for the appropriate claim form.
Termination Conditions
The Supplementary Benefit shall be automatically terminated and the premium shall cease to be payable for it upon the first occurrence of any one of the following events:
- death of the life insured;
- aggregate payment of accidental death and dismemberment benefit of this Supplementary Benefit equals to the sum insured of this Supplementary Benefit;
- payment of accidental total and permanent disability benefit of this Supplementary Benefit;
- if any premium for this Supplementary Benefit and/ or basic plan remains unpaid after the end of the grace period;
- if the basic plan matures, expires, is surrendered, terminated; or
- on the policy anniversary on or immediately following the life insured's 70th birthday.
While the policy is in force, you may terminate this Supplementary Benefit before the next premium due date by sending written request to the Company provided that such notice is duly received by the Company 14 days before the next premium due date.