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| CarePlus Refundable Accident Protector is
a 10-year insurance plan to offer protection with refund of
all premium paid. It provides full coverage against serious
and minor accidents and 100% premium refund at the end of policy
term. |
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| Accidental Total and Permanent Disability
Benefit |
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| If the insured suffers from total and permanent
disability as a result of an accident, a Lump Sum Benefit in
cash will be provided and 100% of premium paid will be refunded.
This benefit is payable on top of any other insurance plan you
may have and there is no limitation on the way spending the
benefit. |
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| Accidental Medical Expenses Benefit |
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| Should the insured get injured as a result
of an accident, Accidental Medical Expenses Benefit of this
plan will reimburse the medical expenses you incurred1. You
are flexible to have a wide range of choices for your own medical
treatment including Chinese bone-setting2, physiotherapy, surgery,
x-ray, or any necessary medical treatment or services for the
injury. |
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| Life Benefit |
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| 100% of paid premiums will be payable if the
insured dies. |
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| Accidental Death Benefit |
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| In addition to Life Benefit, an extra 100%
of paid premiums, will be payable should the insured die due
to accident. |
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| Refund of Premium |
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| The plan provides refund of 100% premium paid: |
| - |
With or without
claim history, 100% of paid premiums will be refunded
at the end of policy term. |
| - |
100% of paid premiums will be refunded
should the insured die; an extra 100% paid premium will
be payable should the insured die due to accident. |
| - |
If the insured suffers from total and
permanent disability as a result of an accident, apart
from the Lump Sum Benefit, 100% of paid premium will be
refunded. |
| - |
If the policy cannot be kept till the
end of policy term, premium paid will also be refunded
as illustrated below: |
|
Termination
occurs |
Refund of premium
calculated
as the % of total premium paid |
Before the end of
5th policy year |
0% |
After the end of
5th policy year |
30% |
After the end of
6th policy year |
50% |
After the end of
7th policy year |
70% |
After the end of
8th policy year |
80% |
After the end of
9th policy year |
90% |
Upon the end of
10th policy year |
100% |
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| More... |
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| Worldwide 24-hour
coverage provides total peace of mind anywhere anytime. |
| |
| Act now! Call Fubon Bank
Insurance Enrollment Hotline: 3168 0193* |
|
During the promotional period,
selected Fubon Bank customers aged between 18
and 60 are not required to take medical examination
for enrollment. Your spouse can also enjoy this
privileged offer.
* Office hours: Monday to
Friday 9:30 a.m. to 6:30 p.m., closed on Saturday,
Sunday & public holidays
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| Remarks: |
| 1. |
The maximum amount per accident of the
Accidental Medical Expenses Benefit is up to the amount
of benefit level being enrolled. |
| 2. |
Bonesetter medical expenses incurred are
up to HK$150 per visit per day and subject to a maximum
number of visits of 10 per Policy Year. |
| 3. |
The above information is for reference
only, for details please refer to Policy Provision for
terms and conditions. |
| 4. |
All insurance policies contain exclusions.
Some of the general exclusions of this policy are: aviation
or aerial activities; participating in professional sports
or any kind of race; intentionally self-inflicted injury
or suicide; illegal act; under the influence of alcohol
or drug. Please refer to the Policy Provision for the
details of all exclusions. |
| 5. |
MetLife Limited is the insurance underwriter
of CarePlus Refundable Accident Protector and is solely
responsible for all coverage and compensation. |
| 6. |
CarePlus Refundable Accident Protector
is an insurance plan with a savings element. Part of the
premium pays for the insurance and related costs. If you
are not happy with your policy, you have a right to cancel
it within the cooling off period and obtain a refund of
any premiums paid provided that you have not made any
claim under this policy. A written notice signed by you
together with the policy must be received by MetLife Limited
at its Hong Kong office within the cooling off period
(that is, 21 days from the date of application, 14 days
from the date of issue of the policy, 14 days from the
date on which the customer protection declaration form
has been copied to the insurer of the existing policy
by which this policy is replacing (where relevant), or
5 days from the date of delivery of this policy or a notice
(informing you or your representative about the availability
of this policy and the expiry date of the cooling off
period), whichever is later). After the expiration of
the cooling off period, if you cancel the policy before
the end of the term of policy as set out in the policy
document, the guaranteed cash value payable (if any) will
be less than the total premiums you have paid. |
| 7. |
CarePlus Refundable Accident Protector
is distributed by Fubon Bank. |
| 8. |
In case of any discrepancy between the
English and Chinese versions, the English version shall
always prevail. |
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