Accident protection to carry you through the unexpected

Here For You Refundable Accident Plus

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Here For You Refundable Accident Plus

Financial support that you can rely on when life takes a sudden turn
Benefit term 16 years
Issue age for main insured and spouse Age 18 to 56
Issue age for child 15 days to age 17
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Featured benefits

Accidental In-Patient Surgical Cash Benefit

Provides a lump sum cash benefit if the insured undergoes an in-patient surgery due to an injury from an accident4

Worldwide Emergency Assistance Services

Includes emergency evacuation and repatriation5, a 24-hour worldwide telephone enquiry service and more

Premium payment term with Termination Benefit

You will pay just 8 years of premium for 16 years of broad accident protection. Once the policy term ends, you will receive 100% of your total premiums paid without interest

Accidental Total and Permanent Disability Benefit

Provides a lump sum cash benefit in the event of specific disabilities of the insured due to an accident

Comprehensive cover for accidental medical expenses

Reimburses medical expenses incurred, such as hospitalisation, surgery, x-ray examination1 as well as Chinese bone-setting treatment2

Accidental Hospital Income Benefit

Offers a daily income benefit if the insured is confined in a hospital due to an injury from an accident3

The content of this website does not contain the full terms of the product and the full terms can be found in the policy contract. You have the right to request a sample of policy contract before committing to the purchase. Please note the relevant product risks. This product can be purchased as a basic plan.

Buy online

For HKID card holders who are aged 18 or above, you can buy this product in Hong Kong via our online platform AIA iShop. See how much you'll pay.

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Secure First

Accident & Other Protections
For you
  • Issue Age: 15 days to age 63
  • Premium Payment Term: 12 years; Premium Refund: Up to 60% of total applicable premiums paid
Not initialised.
Notes
 
  • All information here is for reference only. The product information in this webpage does not contain the full terms of the product. For the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of the relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. 

  • This plan can only be purchased as a basic plan. 
  1. Applicable within 52 weeks after the accident, up to the maximum limit for the plan selected. 

  2. We will reimburse Chinese bone-setting treatment for up to HK$ / MOP150 per visit, at a maximum of 1 visit per day, and up to 6 visits per policy year. 

  3. The Accidental Hospital Income Benefit is up to a maximum of 90 days per accident. 

  4. Applicable within 180 days of an accident. The Accidental In-Patient Surgical Cash Benefit will be made in addition to the Accidental Hospital Income Benefit. 

  5. If the insured is a permanent resident of Hong Kong or Macau. The maximum total value is up to HK$ / MOP500,000 in emergency assistance services per life under all policies issued by the Company or AIA Company Limited.

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