• Meet Your Needs
  • Features
  • Apply Now

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.

Features

  • 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 accident 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

    HKD300,000

    Accidental Death Benefit

    Plan 2

    HKD600,000

    Accidental Death Benefit

    Plan 3

    HKD900,000

    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

Plan 1

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Plan 2

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Plan 3

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Accidental Death Benefit1

HKD300,000

HKD600,000

HKD900,000

Accidental Disability and Dismemberment Benefit1

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 scenarios2

Accidental Hospital Income Benefit3,4,5

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 paid6+ HKD3,000

100% total equivalent annual premiums paid6+ HKD6,000

100% total equivalent annual premiums paid6+ HKD9,000

Maturity Benefit

Total equivalent annual premiums paid6x 108%

Remarks:

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

2. 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

3. 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.

4. 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.

5. 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.

6. 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
  • Major product risks
  • Major exclusions
  • Cooling-off Right

Download

  • 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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