You can choose Lite plan or Basic Plan as your Core Cover plan. The plan selected for Core Cover applies to all insured persons under the same policy.

Yes. Accidental medical expenses cover consultations from Chinese herbalist, bonesetter or acupuncturist on ‘per accident’ basis, which means expenses from different accidents (even food poisoning) are covered no matter how many accidents occur during the period of insurance. There is a limit on the total claim amount per accident.

Chiropractor and physiotherapist expenses are covered but they are not covered on “per accident” basis. They are covered on a “per period of insurance” basis, which means that there is an aggregate limit for all claims during the period of insurance.

Yes, it does.  If an insured person gets injured by accident within the Greater Bay Area^{^^} (excluding the area of Hong Kong SAR) and should the accident result in either Accidental Death or Permanent Disablement, we will pay double indemnity on the Accidental Death and Permanent Disablement benefit of your policy.

^^The Greater Bay Area refers to the Guangdong-Hong Kong-Macao Greater Bay Area, which includes the two Special Administrative Regions of Hong Kong and Macao, and the following nine municipalities located in the province of Guangdong: Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing.

The option covers all Sports Equipment (excluding any electronic or motorized equipment) that is owned by an insured person and used during sports activities, such as balls, bats, sticks for hockey and lacrosse, racquets and nets for tennis, bicycle, golf equipment, skiing/snowboarding gears, etc.

A claim under this benefit must be made together with a claim submitted under Section 2 Accidental Medical Expenses.

In this case, the maximum benefit limit will be divided by the number of insured persons who died in the same accident, and the benefits will be paid to the estate of each insured person involved.

If there are more than one claim submitted at the same time, according to the accident dates, the claim for the earliest accident will be handled and paid first (provided that the claimant has complied with all terms and conditions of the insurance policy and provided AXA with all the necessary documents).

It’s important for you to seek our assistance as soon as possible.

You or the Insured Person must:

• give written notification to AXA within 30 days after an accident happens to you or to one of your family members. Please give us complete details about what exactly happened as well as information about the injuries or losses suffered by the insured people and third parties as a result of the accident.
• immediately send AXA any writ or summons and – as soon as possible – any letters, claims or other documents which are related to the accident.

The unpaid balance of any outstanding premium due for an insured person who died from an accident shall be deducted from the benefits payable under this policy.

As per the terms of this policy, all benefits (except for Personal Liability) are paid to the policyholder unless we agreed to different terms after receiving a written request to do so from the policyholder.

However, when a policyholder who is also an insured person suffers an accidental death, AXA will pay all accidental death benefits to the estate of the policyholder. In case a policyholder (who is also an insured person) has made special request to AXA to pay his accidental death benefit to a specific person or organisation, AXA has discretion to agree; and if AXA agrees, AXA will send out endorsement or confirmation letter to the policyholder.

Please note that the policy shall also be terminated upon the death of the policyholder.

Yes, you can. All you need to do is give us a 60 days’ written notice. The following conditions also apply:

1. When adding an insured person
   You will need to pay an additional premium calculated on a pro-rata basis from the time we approve the addition of the additional insured person.
2. When removing an insured person
   Assuming no claims have been made – or are to be made – during the period of insurance of the insured person you want to remove from your policy, we will refund you a portion of the premium on a pro-rata basis for the cancelled period of insurance. However, the minimum premium for the policy is not refundable.

You shall immediately return the refunded premium to us on demand should any claim in respect of the removed insured person were to be made prior to the removal date of that insured person from the Policy.

Of course you can cancel the policy! Just give us a 30 days’ prior written notice to cancel the policy, similarly, AXA reserves the right to give you a 30 days’ prior written notice to cancel the policy.

We will give you a pro-rata refund for the premium paid for the unused portion of period of insurance, calculated on a pro-rata basis, which is equivalent to the portion of the premium you have paid that would have covered that period (i.e. the period your policy was not in force). This refund is not applicable if you have made a claim or plan to make a claim during the current period of insurance. However, the minimum premium as stated in policy wordings will not be refunded.