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Refundable Protection Plan Series
Enjoy Insurance Protection and a Premium Refund all in One Plan
 
New Refundable Protection Plan Series help you create a secure future

It is not the only way to create a secure future through wealth accumulation, but also protect you and your loved ones against any unwelcome changes in your personal circumstances.

Fubon Bank is pound to introduce the Refundable Protection Plan Series combining the advantages of protection with a premium refund, to help you achieve a worry-free life. These 10-year guaranteed refundable protection plans offer 105% Refundable Accident Protection Plan and 100% Refundable Hospital Income Protection Plan, featuring comprehensive accident and medical coverage to protect you against the burden of any unforeseen medical expenses.
 
Plan Highlights
• Each of the two plans offer different benefit levels to suit your personal needs
• Guaranteed unchanged premium during the whole policy term for your easy budget
• Enjoy a guaranteed refund of up to 105% of total premiums paid at policy maturity
• Simple enrolment process with no medical examination required
 
105% Refundable Accident Protection Plan
This Plan protects you and your family against any financial loss that may arise due to an unexpected accident. It also offers a guaranteed refund of 105% of total premiums paid after 10 years, provided no Accidental Total and Permanent Disability Benefit or Life Benefit has been paid.
 
Accidental Total and Permanent Disability Benefit
In the event of total and permanent disability due to an accident, a lump-sum cash benefit will be payable, according to your selected benefit level, in addition to the 100% refund of all premiums paid. This benefit will be payable on top of any other insurance plans you have, and you may spend it in any way you wish.
 
Accidental Medical Expenses Benefit1
You will be reimbursed for the actual medical expenses incurred due to an accident. Medical expenses include bonesetting2, physiotherapy, surgery, x-ray, etc.
 
Accidental Daily Hospital Cash Benefit
Should you be hospitalized due to an accident, the Plan will provide you with a cash benefit for each day of hospital confinement, up to a maximum of 90 days per accident. Hospitalization in Mainland China is covered up to a maximum of 7 days per accident.
 
Life Benefit
100% of total premiums paid will also be refunded in the event of the death of the Insured Person due to sickness or an accident.
 
Guaranteed Refund of 105% of Premiums after 10 Years at Maturity
We guarantee to refund 105% of total premiums paid after 10 years, provided the policy remains in force at maturity and no Accidental Total and Permanent Disability Benefit or Life Benefit has been paid. Should you wish to terminate the policy before policy maturity, total premiums paid will also be refunded according to the following schedule:
 
Termination occurs
 Percentage of the
Total Premiums Paid
Before the end of 8th policy year 0%
Upon or after the end of 8th policy year 50%
Upon or after the end of 9th policy year 80%
At the end of 10th policy year (at policy maturity) 105%
 
100% Refundable Hospital Income Protection Plan
This Plan provides a Daily Hospital Cash Benefit should the Insured Person be hospitalized3 as a result of sickness or an accident. This benefit is payable regardless of the actual medical costs incurred, giving you peace of mind as well as a flexible financial arrangement.
 
Daily Hospital Cash Benefit5
During the 10-year policy term, you are entitled to a maximum 1,000 days of Daily Hospital Cash Benefit, to spend as you wish. Hospitalization in Mainland China is covered up to a maximum of 7 days for each hospital confinement.
 
Additional Daily Hospital Cash for Cancer Benefit5
This Plan offers an Additional Daily Hospital Cash for Cancer Benefit. Upon the first confirmed diagnosed of a cancer by a Physician, an additional Daily Hospital Cash Benefit of up to 30 days will be paid for each cancer disease for any Hospital Confinement. Hospitalization in Mainland China is covered up to a maximum of 7 days for each hospital confinement.
 
Life Benefit4
100% of total premiums paid will also be refunded in addition to a lump-sum cash payment in the event of death of Insured Person due to sickness or an accident.
 
Guaranteed Refund of 100% of Premiums after 10 Years at Maturity
100% of total premiums paid is guaranteed to be refunded after 10 years if the policy remains in force at maturity regardless of any claims payments. Should you wish to terminate the policy before policy maturity, total premiums paid will also be refunded according to the following schedule:
 
Termination occurs
 Percentage of the
Total Premiums Paid
Before the end of 7th policy year 0%
Upon or after the end of 7th policy year 70%
Upon or after the end of 8th policy year 80%
Upon or after the end of 9th policy year 90%
At the end of 10th policy year (at policy maturity) 100%
 
 
ACT NOW! Take the safe and easy way for a secure future!
If you are between the ages of 18 and 60, or your children are aged between 5 and 17, and hold a Hong Kong or Macau permanent identity card, you may apply for our Refundable Protection Plan Series. The Plans offer guaranteed acceptance and simplified underwriting. To apply or learn more, simply call our Fubon Insurance Hotline 2566 8181 (Press 2 > 3 > 0) or visit any Fubon Bank branch during office hours*.
 
*Monday to Friday: 9a.m. to 7p.m. and Saturday: 9a.m. to 1p.m. (except public holidays).
 

 
 
General Exclusions
MetLife Limited shall not be liable to pay any benefit in respect of any Sickness or Bodily Injury or Hospital Confinement directly or indirectly resulting from or consequent upon or attributable to by or related to any of the following:
1. aviation or aerial activities including as a pilot or aircrew member except air travel as a fare-paying passenger in a properly licensed, fixed wing multi-engine aircraft constructed to carry passengers and operated by a licensed regular scheduled commercial air carrier;
2. confinement in an establishment which is not a Hospital;
3. cosmetic surgery;
4. dental care and treatment, except as necessitated by injuries to sound and natural teeth wholly occurring during the Policy Term;
5. underwater swimming or diving involving the aid of breathing apparatus, any kind of outdoor climbing or mountaineering, pot-holing, parachuting, skydiving, hang-gliding, gliding, para-gliding, ballooning, micro-lighting, bungi-jumping, any activities involving explosive or explosion (including but not limited to firework or firecracker), outdoor winter sports such as skiing and snow boarding, hunting on horse-back or driving or riding in any kind of race and all forms of professional sports;
6. driving any kind of vehicle while the alcohol level in the Insured Person's breath, blood, or urine is higher than the legal limit in the country or territory where the driving takes place;
7. infection with Human Immunodeficiency Virus (HIV), Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) and complications resulting therefrom or relating thereto;
8. intentionally self-inflicted injury or suicide or suicide attempt whilst sane or insane;
9. Pre-existing Medical Condition unless such Pre-existing Medical Condition requires medical treatment or attendance by a Physician at least twelve months after the Commencement Date of Insurance, or in the case of reinstatement, at least twelve months after the effective date of such reinstatement*;
10. bodily injury of the Insured Person caused by an Accident which occurs before the Commencement Date of Insurance or the effective date of reinstatement of this Policy, whichever is later;
11. pregnancy (including child birth, miscarriage, or abortion), and complications resulting therefrom or relating thereto;
12. the act of any Insured Person contrary to the law of the country or territory in which the act is committed;
13. the Insured Person being in a state of insanity or psychiatric or psychological disturbance or any mental or nervous disease or disorder;
14. the Insured Person being under the influence of alcohol or drugs unless, in the case of drug consumption, it is proved that such drug was taken in accordance with proper medical prescription or treatment;
15. war (whether it is declared or not), invasion, act of foreign enemies, hostilities, strike, riot and / or civil commotion, civil war, rebellion, revolution, insurrection, terrorist acts, military or usurped power;
16. while the Insured Person is engaging in naval, military or airforce services, or any operation or combat duty with any armed force of any country, territory, or international organization;
17. congenital anomalies, infertility, sterilization;
18. Hospital Confinement for routine physical or any other examination where there is no objective indications of impairment in normal health;
19. Hospital Confinement where the Insured Person is not under the regular care and attendance of a Physician; and
20. rest cure, nursing care, rehabilitation, convalescence, hospice care, palliative care, extended care, treatment in sanatorium, or functional disorders of the mind.
   
* This exclusion is only applied to 100% Refundable Hospital Income Protection Plan. However, for the Additional Daily Hospital Cash for Cancer Benefit, exclusion of Pre-existing Medical Condition refers to any cancer disease the signs or symptoms of which have occurred or for which the Insured Person has received medical treatment or has been attended to by a Physician or has been prescribed drugs prior to the Commencement Date of Insurance or the effective date of any reinstatement, whichever is later.
 
Remarks:
1. Accidental Medical Expenses Benefit will be limited to one Accident per Policy Year after the Anniversary Date immediately following the Insured Person's attaining the age of 65.
2. Medical expenses incurred for bonesetting are limited to US$20 per visit and one visit per day, subject to a maximum of ten visits per Policy Year.
3. For 100% Refundable Hospital Income Protection Plan, if any hospital confinement due to the same sickness or bodily injury (including any complications) is not separated by 180 days, benefit payable will be treated as one Hospital Confinement.
4. Life benefit is limited to a refund of total premiums paid and no additional cash benefit will be payable for any death due to suicide within the first 13 months from the Commencement Date of Insurance.
5. There are 30 days as waiting period for hospitalization due to Sickness.
 
Disclaimer:
• The above information is for reference only. Please refer to the Policy Provisions of ‘105% Refundable Accident Protection Plan’ and ‘100% Refundable Hospital Income Protection Plan’ (“the Plans”) for the terms and conditions.
• The Plan 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 after the delivery of the policy or the issue of a Notice informing you/your representative about the availability of the policy and the expiry date of the Cooling-off Period, whichever is earlier). 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 projected total cash value payable (if any) may be less than the total premiums you have paid.
• MetLife Limited is the insurance underwriter of the Plans and is solely responsible for all Plan features, policy approval, coverage and benefit payment. MetLife Limited is a wholly-owned subsidiary of MetLife, Inc. in Hong Kong and operates under the “MetLife” brand.
• The Plans are distributed by Fubon Bank.
• In case of any discrepancy between the English and Chinese versions, the English version shall always prevail.