Accidental protection

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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Benefits: Death Benefit (or Funeral Expense Benefit) / Disability Benefit.

FSC Approval / Use & File Number : 96.09.03 HSBC Life 07004

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.

The ADD Rider is an optional rider that can help your family meet continuing needs in case of an accidental death or total permanent or partial disability. If you are worried about being unable to work due to accident, here is our solution for you.

Benefits at a Glance:

• Secure your family in the event of personal accident
• Max coverage with low premium cost
• Renewable to age 75.

Underwriting Rules:

• Insurance period: 1 year
• Issue age : 0-65
• Sum assured amount:
  Minimum : NT$0.5MM
  Maximum : NT$20MM (or no more than 10 times of main policy sum assured, whichever is lower ; NT$2MM for age below 14;)
  

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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IPA is an accident protection with optional daily hospital income. The product feature is as followed:

• Sum Assured
  NTD 0.2 Million~30 Million
• One year contract, tacit renew

Benefits:

• Accidental death
  100% sum assured
• Accidental disability
  5%~100% of sum assured
• Qualified major burn
  25% of sum assured, maximum: NTD2.5 Million, pay once only.
• Degree 1~3 disability
  Extra 1% of sum assured for 100 months continuously, once in life.
  - Monthly payment up to NTD0.1 Million.
  - Aviation accidental death: extra 100% of sum assured.

OTA is a travel insurance with a one-year coverage duration. Insured doesn't need to declare before traveling. Customer can choose to purchase individual package or family package. This product is launched to fulfill Global Premier’s requirement.

• Premium frequency
  Annual
• Coverage period
  1 year
• Emergency Assistance Expenses
  Emergency Medical Evacuation－Unlimited
  Repatriation of Remains－Unlimited
  Child Guard Expenses－NT$120,000
  

Benefits:

A. Individual Protection package for age 6-month to 17 insured

• Overseas Travel Accident－NT$1,000,000
• Common Carrier Double Indemnity Rider－NT$1,000,000
• Medical Reimbursement Rider－NT$100,000
• Compassionate Death Cash Rider－NT$80,000
• Overseas Hospital Income Rider－NT$2,000 / NT$20,000
• Emergency Assistance Expenses
  Emergency Medical Evacuation－Unlimited
  Repatriation of Remains－Unlimited
  Child Guard Expenses－NT$120,000
  

B. Individual Protection package for age 18 to 85 insured

• Overseas Travel Accident－NT$4,000,000
  
• Common Carrier Double Indemnity Rider－NT$4,000,000
  
• Medical Reimbursement Rider－NT$1,000,000
  
• Compassionate Death Cash Rider－NT$80,000
  
• Overseas Hospital Income Rider－NT$2,000 / NT$20,000
  
• Emergency Assistance Expenses
  Emergency Medical Evacuation－Unlimited
  Repatriation of Remains－Unlimited
  Child Guard Expenses－NT$120,000

C. Family Protection package for age 18 to 85 insured

• The sum insured for main Insured is as (B)
• The sum insured for spouse is as (B)
• The sum insured for child is as follows:
  Overseas Travel Accident－NT$1,000,000
  Common Carrier Double Indemnity Rider－ No cover
  Medical Reimbursement Rider－NT$1,000,000
  Compassionate Death Cash Rider－NT$80,000
  Overseas Hospital Income Rider－NT$2,000 / NT$20,000
  

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TA is a travel insurance for general customers who have travel planning. Product features are as followed:

• Premium Paying Period
  1-120 days
• Premium Mode
  Single
• Benefit Period
  1-120 days

Benefit:

• Accident Death Benefit
  100% Sum Assured
• Dismemberment Benefit
  100% Sum Assured for 1^st degree
  75% Sum Assured for 2^nd degree
  50% Sum Assured for 3^rd degree
  35% SA Sum Assured for 4^th degree
  15% Sum Assured for 5^th degree
  5% Sum Assured for 6^th degree
  25% Sum Assured for Major Burn
• Accidental Medical Reimbursement
  Maximum 10% Sum Assured
• Sickness Benefit for Oversea TA
  Maximum 10% Sum Assured
• Rescue Benefit for Oversea TA
  Maximum 10% Sum Assured

Provide a source of income to maintain his/her retirement plan investment standard in the case of qualifying events such as accidental temporary and permanent disability. The product feature is as followed:

• Sum Assured
  - Under Age 0 ~ 14 yr: 0.5 million~2 Million
  - Occupation degree 1~3: 0.5 Million~10 Million
  - Occupation degree 4~6: 1 Million~3 Million
  - Student and age 14 upward: 1 Million~3 Million
  - Age 66~69: 1 Million~3 Million
  
• Payment mode
  Annual、Semi-annual、Quarterly、Monthly
• Premium Paid Period
  1 year
• Coverage Period
  1 year, tacit renewable
• Non-medical check benefit
  - Accidental Death Benefit：100% sum assured payable
  - Accidental Dismemberment Benefit：5%~100% of sum assured, payable by dismemberment degree 1-6
  - Major Burn Benefit：25% sum assured
  - Dismemberment Monthly Income Benefit：1% sum assured monthly payable for dismemberment degree 1-3 for 100 months
  - Survivor Income Benefit：1% of sum assured per month for 6 months