• Meet Your Needs
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Meet Your Needs

  • Extra protection for your loved ones

  • Affordable premium

  • Guaranteed return of premium at maturity

The product information here does not contain the full terms of the policy and the full terms and conditions can be found in the policy document.


  • Accidental death benefit to better protect your loved ones

    If you unfortunately pass away as a result of an accident, while the policy is in force, a fixed amount of accidental death benefit will be provided. The benefit will be doubled under specified incidents causing the death.

  • Comprehensive coverage with Accidental Disability and Dismemberment

    If you unfortunately suffer from permanent disability or dismemberment as a result of an accident, while the policy is in force, a fixed amount of accidental disability and dismemberment benefit will be provided to you. The benefit will be doubled under specified incidents causing the disability or dismemberment.

  • Accidental hospital income benefit up to 90 days per accident

    During the confinement at hospital due to injuries, you will receive daily hospital income (up to 90 days per accident, 10 accidents per policy year and 1,000 days per whole benefit period) to ease your financial burden.

  • 8-year premium payment for 10-year coverage period, with refund 108% of total premium paid at maturity

    You only pay 8-year premium and enjoy 10-year coverage. You will receive a refund of premium equals to 108% of total equivalent annual premiums paid at policy maturity, regardless of any claims made on accidental hospital income benefit during the coverage period.

  • 3 plan levels available for your selection

    The Plan offers 3 choices of plan level to suit your personal need.

    • Plan 1


      Accidental Death Benefit
    • Plan 2


      Accidental Death Benefit
    • Plan 3


      Accidental Death Benefit

    For more details of the benefits offered, please refer to the benefit table below.

  • Easy to apply, no health declaration is required

    The application is simple. You don't need to make any health declaration to complete the underwriting process.

Benefits at a glance
Accidental Death Benefit(1)
  • HKD300,000
  • HKD600,000
  • HKD900,000
Accidental Disability and Dismemberment Benefit(1)
  • HKD300,000
  • HKD600,000
  • HKD900,000
Double Indemnity Benefit
Double the benefit amount of Accidental Death Benefit or Accidental Disability and Dismemberment Benefit under specific scenarios(2)
Accidental Hospital Income Benefit (3)(4)(5)
  • HKD300 per day
  • HKD600 per day
  • HKD900 per day
Maximum 90 days per each accident, 10 accidents per policy year and 1,000 days per benefit term
Non-Accidental Death Benefit
  • 100% total equivalent annual premiums paid(6)+ HKD3,000
  • 100% total equivalent annual premiums paid(6)+ HKD6,000
  • 100% total equivalent annual premiums paid(6)+ HKD9,000
Maturity Benefit
Total equivalent annual premiums paid(6)x 108%



Benefit is only payable if such death, disability or dismemberment resulting within 180 days from the date of accident.


Double Indemnity Benefit is payable if accident happens under the following situations:

- while being a fare-paying passenger within any mechanically propelled land vehicle for public transport

- while being a pedestrian injured in a traffic accident and/or struck by any motor driven / powered vehicle

- while being in an elevator car for passengers only (elevators in mines and on construction sites excluded)

- as a direct result of the burning of the following public buildings only: theatre, public auditorium, hotel, school and hospital

- as a result of flooding and/or landslide caused by natural disaster in Hong Kong

- both you and your spouse die as a result of the same accident


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 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.


If 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 accidental hospital income benefit is payable per accident shall be reduced to 30 days.


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 “List of Specified Hospitals in PRC” in the download section below.


Total equivalent annual premiums paid means the accumulated premiums due and paid at the relevant date which is calculated as "annual premium" (i.e. premium payable for annual mode) divided by 12 then multiplied by the corresponding number of months that the premium has been paid. Levy or premiums of other benefit items (if any) will be excluded.


We only allow one Well Protect 108 Refundable Personal Accident Insurance Plan for each applicant.

  • Important information


    This product is a non-participating policy.


    You should pay premium(s) on time and according to the selected premium payment term. Should you terminate this plan early or cease paying premiums early, you may suffer a significant loss, including but not limited to, loss of coverage, surrender charge and financial loss.


    We reserve the right to review and adjust the premium for particular risk classes, based on the overall claims and policy persistency experience, on every policy anniversary. We will not adjust the premium unless we notify you prior to the policy’s anniversary. For the avoidance of doubt, the Company shall not adjust the premium on an individual basis.

  • Major product risks

    Liquidity Risk

    If Policyowners surrender the Policy before the maturity of the Policy, they may only receive the surrender benefit with all the indebtedness of the Policy deducted which may be significantly less than the total amount of premiums paid.

    Credit Risk

    Any premiums you paid would become part of our assets and so you will be exposed to our credit risk. Our financial strength may affect our ability to meet the ongoing obligations under the insurance policy.

    Inflation Risk

    Please note that the cost of living in the future is likely to be higher than it is today due to inflation. Hence, the insurance coverage planned today may not be sufficient to meet your future needs.

  • Major exclusions

    For all accidental benefits:


    Any pre-existing Condition;


    Any kind of sickness or disease, or bacterial or viral infection except bacteria infection resulting from an accidental cut or wound;


    Suicide or self-inflicted injuries while sane or insane;


    Drug-taking other than under the prescription or direction of a physician, abuse of alcohol or the taking of poison;


    Professional or hazardous activities or sports;


    Violation or attempted violation of the law or resistance to arrest or participation in any brawl or affray

    Above listed is for reference only. Details of full exclusions please refer to Policy Terms and Conditions.

  • Cooling-off Right

    This right allows you to cancel this policy, obtain a refund of any premiums paid within the Cooling-off Period. The cancellation notice must be signed by you and received directly by us at our office address within 21 calendar days immediately after the earlier of the day of delivery of (i) the policy or (ii) the Cooling-off Notice to you. The Cooling-off Notice is a notice to be sent to you by us notifying you of the Cooling-off Period around the time of policy delivery.


  • Note:
  • 1.This plan is underwritten by Well Link Life Insurance Company Limited and intended for sale in Hong Kong only.
  • 2.The above content contains general information for reference only and does not form part of the policy. Please refer to the product brochure and Policy Terms and Conditions for details.

For enquiries, please click Contact Us or call our Customer Service Hotline:  +852 2830 7500

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