“Be With You” Personal Accident Plan

Accidental Death and Dismemberment Benefit¹

In the event of dismemberment and/or suffer from loss of and/or loss of use of designated part of body or death within 180 days after an accident, we shall pay a lump sum benefit up to 100% of the sum insured² according to the percentage of Benefit Table of Accidental Death and Dismemberment Benefit, you can take your time without financial worries.

Major Burn Benefit¹

In the event of accidental major burn³, we will pay a lump sum benefit up to 100% of the sum insured according to the percentage of Benefit Table of Major Burn Benefit, so as to help you meet your urgent need.

Accidental Medical Expense Benefit^4,5

Expenses on follow-up treatments, services and medication arising from an accident may be huge. Therefore, we specially offer Accidental Medical Expense Benefit for each accident up to 365 days from the date of the accident. This benefit covers the expenses including medical and surgical treatment operates by a medical practitioner, confinement, home care services after confinement¹⁰, dental care or surgery¹¹, Chinese medicine treatment (including consultation, treatment, bone-setting¹² and acupuncture), physiotherapy and chiropractic treatment. For details, please refer to the "Be With You" Personal Accident Plan Benefit Schedule.

Double Indemnity Benefit⁶

To better protect your daily life against accident, we will offers double benefit payment to the owner for the insured encountering an accident in designated situations¹³, please refer to product brochure for more details.

Compassionate Death Benefit

Regardless of the causes of death, whether accidental or other causes, we will pay the beneficiary the Compassionate Death benefit with sincere care to your family.

Student Care Benefit⁶

To give extra protection to your kid's daily school life, the Plan specially offers double benefit payment for student encountering an accident in any transportation arranged by school, within school area or is participating in a school event, please refer to product brochure for more details.

Caregiving Hospital Cash^5,7

The insured will receive the Caregiving Hospital Cash daily if the insured is confined in a hospital due to accidental injury. The Caregiving Hospital Cash will be doubled daily if the insured is confined in a hospital due to an illness9 which is declared by World Health Organization as a “Public Health Emergency of International Concern”.

Oversea Traveling Double Indemnity Benefit⁶

You can have total peace of mind when you are in overseas for both vacations or business purpose because the Plan offers double benefit payment in the event of an accident in a place other than the insured's country of residence¹⁴, please refer to product brochure for more details.

Total and Permanent Disablement Benefit^1,8.(this benefit is applicable to an insured with age of last birthday from 18 to 65)

If the insured is unfortunately diagnosed with total and permanent disablement due to an accident within 180 days from the date of that accident, and such total and permanent disablement has continued for at least 6 consecutive months, and prevented the insured from engaging in any work, which provides any profit for which the insured is reasonably fitted by the knowledge, training or experience, we will pay a specified percentage of sum insured to cover the insured’s living or medical expenses, please refer to product brochure for more details.

Guardian Hospital Cash^5,7

The insured will receive the Guardian Hospital Cash daily if the insured is confined in a hospital due to accidental injury. The Guardian Hospital Cash will be doubled daily if the insured is confined in a hospital due to an illness⁹ which is declared by World Health Organization as a “Public Health Emergency of International Concern”.

Broken Bone Benefit¹

In case of accident, elderly people are more prone to bone injuries. We especially provide Broken Bone Benefits for the insured. If the insured suffers from broken bone within 90 days from the date of accident, the Plan will pay a lump sum benefit payment according to the percentage of Benefit Table of Broken Bone Benefit. The aggregate total amounts of Broken Bone Benefit is up to 40% of the sum insured.

Mobile Aid Benefit⁴

If the insured is accidentally injured, we will reimburse the charges within 180 days from the date of accident for purchase and rental of equipment including but not limited to wheelchair, crutches or hearing aids which recommended by a medical practitioner. The benefit is up to 0.5% of the sum insured per policy year, which cares for your living needs after accident.

Elderly Care Service Allowance⁴

If the insured is confined in a hospital for 7 consecutive days or above due to accidental injury within 180 days from the date of accident, we will reimburse the charges for nursing or domestic helper services as recommended by a medical practitioner in the insured's home within 90 days after discharge. The benefit is up to 0.25% of the sum insured per day and up to HKD 20,000 / USD 2,500 per policy year, to cater the needs of home nursing services after an accident.

Protections for different stages of life to free you from worries

When the insured reaches the specific ages, the Plan will automatically convert its coverage to that for the next stage of life, this market unique¹⁵ feature allows you to continue to enjoy the appropriate accident protection at ease.

Free Worldwide Emergency Assistance Services¹⁶

“Free Worldwide Emergency Assistance Services” are provided by the third party service provider. FTLife Insurance Company Limited reserve the right to change the terms and conditions of Pioneer Medical Support Service and Worldwide Emergency Assistance Service and will not be liable for any services provided by the third party service providers.

1. This plan will be automatically terminated once the aggregate total payable claim amount under the Accidental Death and Dismemberment Benefit, the Major Burn Benefit, the Total and Permanent Disablement Benefit (if applicable) and Broken Bone Benefit (if applicable) reaches 100% of sum insured. If the insured suffers from more than one loss under the Accidental Death and Dismemberment Benefit or Major Burn Benefit or Total and Permanent Disablement Benefit (if applicable) or Broken Bone Benefit (if applicable) as a result of any Injury arising from the same accident, only the corresponding benefit with the largest benefit amount (or if the loss items are of an equal benefit amount, only one benefit) is payable. For each accident, we will pay for only one of the above benefits and not more than once.
2. Where the loss of, or loss of use of, any part of the Insured's body is not listed in “Benefit Table of Accidental Death and Dismemberment Benefit”, we shall determine the percentage of benefits at our absolute discretion.
3. Major Burn Benefits covers the second degree burn in which both the epidermis and the underlying dermis are damaged; or third degree burn where there is damage or destruction of the skin to its full depth and damage to the tissues beneath due to an accident.
4. This benefit shall not cover any expenses which can be compensated or reimbursed under any government laws or under any other insurance policies.
5. For the “Be with You” Personal Accident Plan of Mainland customer, if in Mainland China, the Plan covers medically necessary expense or confinement (if applicable) of the Insured in a Grade 2A hospital or above as classified by the government of the People's Republic of China or in a hospital that is in the list of approved hospitals as determined by us from time to time and such list of approved hospitals will be provided to the owner upon request.
6. Once the Double Indemnity Benefit is payable, we will not pay the Student Care Benefit (if applicable) or Oversea Traveling Double Indemnity Benefit (if applicable) for the same accident, and vice versa.
7. The limit set for Caregiving Hospital Cash or Guardian Hospital Cash is up to maximum of 60 days per accident or illness. For Mainland customer, if there is more than one “Be With You” Personal Accident Plan issued on the same insured, the maximum limit per insured shall not exceed the limit listed in “Be With You” Personal Accident Plan Benefit Schedule.
8. The benefit shall cease when the Total and Permanent Disablement ceases, the insured is able to resume to work or upon the death of the insured.
9. If the insured has been diagnosed with an illness declared as a “Public Health Emergency of International Concern” and it is a pre-existing condition, we would not pay Caregiving Hospital Cash or Guardian Hospital Cash for any confinement under this circumstance.
10. Once the in-patient surgical expenses is payable, the nursing services must be prescribed and certified by the attending Medical Practitioner as part of the Insured's rehabilitation treatment rendered by a licensed nurse in the insured's home within 31 days after the end of the insured's confinement as a result of an injury.
11. Not including the replacement of natural teeth or installation, removal or replacement of denture or prosthesis or any related expenses.
12. If there are more than two “Be With You” Personal Accident Plan of the same insured, we will pay this item only under two of those policies.
13. Specific situations including insured i) is riding as a fare-paying passenger in any licensed public transportation (land, marine, air) or cruise; or ii) in an elevator duly certified for carrying passengers (excluding elevators in mines and construction sites); or iii) is present at the commencement of the burning of any public meeting place including but not limited to theatre, hotel, restaurant, stadium, shopping mall and public transport station.
14. For insured's place of residence, it means a place that the insured has taken up residence for 183 days or more within 12 months immediately before such injury. If the Insured's place of residence is in Hong Kong, Macau Special Administrative Region or People's Republic of China, we will pay the Oversea Traveling Double Indemnity Benefit provided that the injury is sustained in a place other than Hong Kong, Macau Special Administrative Region and People's Republic of China.
15. “Market Unique” item is concluded based on the main type of accident protection plans in the life market as of April 2020.
16. “Free Worldwide Emergency Assistance Services” are provided by the third party service provider. FTLife Insurance Company Limited reserve the right to change the terms and conditions of Pioneer Medical Support Service and Worldwide Emergency Assistance Service and will not be liable for any services provided by the third party service providers.