HSBC Worry-Free Refundable Personal Accident Insurance (RPA)

Benefit items : Accidental Death / Funeral Expense / Total Permanent Disability (TPD)/ Public Transportation Accidental Death or TPD/ Overseas Personal Accidental Death or TPD/ 2-11 Degrees of Dismemberment/ Dismemberment Monthly Income/Major Burn/Non-accidental Death or TPD/ Maturity Benefit.

FSC Approval / Use & File Number: 96.09.10 HSBC Life 07005

This product is a non-participating insurance product. It neither participates in policy dividend nor has policy dividend benefit.

Before purchasing the product, customers should read all sales documents carefully.

To fully understand the loading or other related information about the product, please contact our sales representatives, service center (toll-free service hotline: 0800-661311) or visit our website at http://www.hsbcinsurance.com.tw so as to protect your rights.

HSBC Worry-Free Refundable Personal Accident Insurance is a personal accidental insurance with premium refund feature. It provides customers with a wide range of long term accidental protection. Customers can always get their paid premium back whether they have received insurance benefit or not.

Benefits at a Glance:

• Accidental Death / Total Permanent Disability (TPD)
  The sum assured and the total nominal premiums (calculated on a monthly mode basis to the point of death or TPD) are payable upon accidental death or total & permanent disability (TPD) of the insured.
• Public Transportation
  Extra one time the sum assured is payable upon accidental death or TPD of the insured if the accident occurred when the insured was taking public transportation as passenger.
• Overseas Personal Accidental Death / TPD
  Extra one time the sum assured is payable upon accidental death or TPD of the insured if the accident occurred when the insured was abroad.
• 2-11 Degrees of Dismemberment
  5% - 90% of the sum assured is payable if the insured suffered from 2-111 Degrees of Dismemberment as a result of an accident.
• Dismemberment Monthly Income
  1% of the sum assured per month is payable for 100 months if the insured suffered from any of the 1-61 Degrees of Dismemberment as a result of an accident. This is a “claim 1-time only” benefit and the monthly income is fixed at 100 times per policy.
• Major Burn2
  25% of the sum assured is payable if the insured suffered from the second or third degree of burning with certain conditions as a result of an accident. This is a “claim 1-time only” benefit per life. The Major Burn claim will not affect the sum assured.
• Non-accidental Death / TPD
  The total nominal premiums (calculated on a monthly mode basis to the point of death or TPD) is payable upon the non-accidental death or TPD of the insured.
• Maturity
  The total nominal premiums (calculated on a monthly mode basis for the whole duration) is payable at maturity.

Underwriting Rules:

• Insurance period: 20 year
• Insuring age : 0-55
• Sum assured amount:
  Minimum : NT$ 0.5 MM
  Maximum : NT$20MM

Important Notice:

• This product is a non-participating insurance product. It neither participates in policy dividend nor has policy dividend benefit.
• The product is reviewed by qualified signatories of HSBC Insurance that the product complies with general actuarial principles and insurance laws and regulations. To ensure yout rights, based the principle of equity and reciprocity for both insurance company and customers, you should read and understand policy provisions and related documents and select insurance products carefully. The insurance company and its responsible persons are subject to legal responsibility if there is any incompliance with regulations or mis-representation of the product.
• Surrendering the policy or discontinuing premium payments may be unfavorable to customers. Please carefully choose insurance products based on your needs.
• All detailed rights and obligations of insurance contracts are listed in policy provisions. Customers must read and understand them. Besides, customers should take advantage of the free look period (10 days after receipt of the policy).
• Before purchasing the product, customers should read all sales documents carefully. To fully understand the loading or other related information about the product, please contact our sales representatives, service center (toll-free service hotline: 0800-661311) or visit our website at http://www.hsbcinsurance.com.tw so as to protect your rights.
• The product is an insurance product and is protected by life Insurance Stabilization Fund. It is not a deposit and not protected by deposit insurance.
• The product brochure is for reference only. For product details and changes, please refer to the policy provision, HSBC insurance underwriting, policyholder service and other related administration rules at the time of application.

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• HSBC cooperate with HIBT to provide regulator authorized insurance products. Insurance products are not saving products. It was protected by Insurance Stabilization Funds, not by Central Deposit Insurance.
• The related liability of insurance products was fully taken by insurance company, not by HSBC or HIBT.

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