China Life Accident Guardian
Nobody wants accidents, but when they happen, we want you to have the best coverage possible. China Life Accident Guardian is a yearly renewable plan1 that offers comprehensive financial support to you and your family. Enjoy 24/7 worldwide coverage on accidental death, disability, hospital cash benefits, medical expenses2 including TCM and chiropractic treatments, and a whole lot more.
Product Features
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- Renewal of this plan is not guaranteed.
- Medical expenses are paid on reimbursement basis.
- In the event the life insured sustains accidental injury while the policy is in force and which results in the life insured’s death 12 months from the date of the accident, we will pay the Accidental Death Benefit, less any Accidental Permanent Disablement Benefit paid as a result of the same accident, and less amounts owing to us (if any). The policy terminates thereafter.
- In the event the life insured sustains accidental injury while the policy is in force and which results in a Major Permanent Disablement within 12 months from the date of the accident, we will pay a proportion of sum insured, less benefits already paid under Other Permanent Disablement benefit as a result of the same accident, and less amounts owing to us (if any). The policy terminates thereafter.
In the event the life insured sustains accidental injury while the policy is in force and which results in an Other Permanent Disablement within 12 months from the date of the accident, we will pay a proportion of sum insured, less benefits already paid under Major Permanent Disablement benefit as a result of the same accident, and less amounts owing to us (if any). - We will pay you 2x the Accident Death Benefit or Major Permanent Disablement Benefit in the event the life insured dies or sustains accidental injury which results in Major Permanent Disablement while traveling as a fare-paying passenger on public conveyances.
We will pay you 3x the Accident Death Benefit or Major Permanent Disablement Benefit in the event the life insured dies or sustains accidental injury which results in Major Permanent Disablement while traveling as a fare-paying passenger on commercial airplanes. - Each life insured can only have 1 China Life Accident Guardian policy.
- The amount indicated in the table is inclusive claim payout from Accidental Death Benefit or Major Permanent Disablement Benefit, and is payable up to its benefit limit set out in the table accordingly.
The benefits will only be payable upon the occurrence of an accident. You should seek advice from a financial adviser representative before making a commitment to purchase the plan.
Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums are not guaranteed and may be adjusted based on future claims experience.
This marketing material is for reference only and does not consider your specific investment objectives, financial situation or needs. It is not a contract of insurance and is not intended as an offer or recommendation to purchase the plan. The specific details applicable to this insurance plan are set out in the policy contract. In case of discrepancy between the English and Mandarin versions, the English version shall prevail.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as at 22 May 2022.