EasySecure Personal Accident Insurance
Accident happens, anytime anywhere! Minor accidents might cause you financial loss that is merely negligible. However, when running into serious accidents, you and your beloved family might have to face unexpected financial difficulties. Without proper preparation, what is the solution for you and your family?
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Accident happens, anytime anywhere! Minor accidents might cause you financial loss that is merely negligible. However, when running into serious accidents, you and your beloved family might have to face unexpected financial difficulties. Without proper preparation, what is the solution for you and your family?
We understand your need and we are pleased to introduce our Personal Accident Insurance, “EasySecure”. You can enjoy a comprehensive protection for accidents for as low as $1.70# a day! Subscription is simple. Simply fill in the application form and the policy will take effect immediately. Subscribe now to enjoy comprehensive insurance in an easy way.
- Simple Application & Easy Payment Method
- 24-hour Worldwide Personal Accident Protection
- Double Indemnity while in Public Common Carrier
- No Claim Bonus
- Extra Discount for Annual Premium Payment
# Calculated based on Plan 1 with Individual Coverage and annual premium payment.
Double Indemnity
The death or permanent disablement benefits will be doubled up if accident occurred when the insured travels in any private vehicle or travelling as a fare-paying passenger in any public carriers such as bus, taxi, ferry, airplane, etc.
Medical Expenses
EasySecure will reimburse both inpatient and non-inpatient medical expenses for bodily injury due to an accident.
Serious Burning
If the insured suffers Second or Third Degree Burns on either 30% or more of total body surface or 50% or more of total facial surface, a benefit will be payable according to the compensation table specified in policy schedule.
Worldwide Personal Liability
EasySecure protects against legal liability in the event of the insured causing third party bodily injury or property damage.
No Claim Bonus
If no claim has been made in the period of insurance, the insured is entitled to 10% no claim premium discount at annual renewal. This no claim discount can be accumulated up to 20%.
Simple Application & Easy Payment Method
Just fill in the application form and the policy will be effective immediately. No medical examination is required and you can save your time! You can choose to pay your premium with your BNU credit card. The premium will be deducted from your BNU credit card account monthly. If you opt to pay the premium in a lump-sum, you will receive 10% extra discount on premium!
Subscribe through BNU Online Banking, BNU Mobile Banking or visit our offices at Av. Praia Grande 567, BNU Building 14/F, Macau (China), from Monday to Friday (09:00 – 17:30).
This product is underwritten by Fidelidade Macau - Insurance Company Limited. The above product information is for reference only.
Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.
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Summary of Benefits Table
|
Description |
Benefits Amount |
|
|
Plan 1 |
Plan 2 |
|
| Death or Permanent Disablement |
|
|
|
Caused by an accident - Max. benefit amount for each insured child aged from 6 months to 18 |
600,000 120,000 |
1,200,000 240,000 |
|
Caused by an accident while riding in any Public Common Carrier or whilst travelling in any private cars - Max. benefit amount for each insured child aged from 6 months to 18 |
1,200,000
240,000 |
2,400,000 480,000 |
| Permanent total loss of |
|
|
| Both eyes or of eyesight in both eyes |
600,000 |
1,200,000 |
| Both hands or both feet |
600,000 |
1,200,000 |
| An arm/a hand and a leg/foot |
600,000 |
1,200,000 |
| Permanent total hemiplegia or paraplegia |
600,000 |
1,200,000 |
| Permanent total loss of use of | ||
| Two upper or lower limbs |
600,000 |
1,200,000 |
| One lower limb |
360,000 |
720,000 |
| Right hand^ |
360,000 |
720,000 |
| Left hand^ |
300,000 |
600,000 |
| Permanent total deafness |
360,000 |
720,000 |
| Permanent total loss of speech |
300,000 |
600,000 |
| Major Burns |
|
|
| 30% or more of total body surface |
180,000 |
360,000 |
| 50% or more of total facial surface |
90,000 |
180,000 |
| Medical Expenses |
|
|
| Total benefit of Inpatient &Non-Inpatient |
12,000 |
24,000 |
|
- Non-inpatient |
Max. claim |
Max. claim |
| Chinese bonesetter treatment expenses |
500 |
1,000 |
| - Max. claim $100/visit/day | ||
| Other Benefits |
|
|
| Funeral Expenses |
10,000 |
20,000 |
| Personal Liability |
150,000 |
300,000 |
If the insured is left-handed, the amount of benefit shall be reversed.
Major Exclusion (Summary)
- Pre-existing conditions
- Suicide, attempted suicide or self-inflicted injuries
- Intoxication of alcohol or drugs
- Drunk driving
- Engaging in a sport in a professional capacity or could earn income from engaging in such sport
- Air travel except as a fare-paying passenger
- Engaging in dangerous sports or activities
- Engaging in duty with the disciplinary service
- Accidents during working hours for certain occupations
- War or warlike operations
- Any kind of sickness or HIV related illness
- Nuclear reactions, radiations and contaminations
- Chemical or biological substances which are not used for peaceful means
- Act of Terrorism
This product is underwritten by Fidelidade Macau - Insurance Company Limited. The above product information is for reference only.
Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.
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|
Coverage |
Plan 1 |
Plan 2 |
||
|---|---|---|---|---|
|
Monthly1 |
Annual2 |
Monthly1 |
Annual2 |
|
|
Individual3 [Insured] |
$55
|
$594 ($660) |
$99
|
$1,069 ($1,188) |
|
Couple3 [Insured & Spouse] |
$99
|
$1,069 ($1,188) |
$178
|
$1,922 ($2,136) |
|
Parent [Insured & child(ren)4] |
$77
|
$832 ($924) |
$139
|
$1,501 ($1,668) |
|
Family [Insured couple & Child(ren)4] |
$124
|
$1,339 ($1,488) |
$223
|
$2,408 ($2,676) |
- Must be settled by BNU credit card.
- Premium is inclusive of 10% annual premium discount.
- Insured Age: 18 to 65 years old, renewable up to aged 70.
- Child(ren) of the insured aged from 6 months to 18.
This product is underwritten by Fidelidade Macau - Insurance Company Limited. The above product information is for reference only.
Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.
