Introduction
Coverage
Premium
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“EasySecure” Personal Accident Insurance

oNew Promotion

 

 

 

 

 

 

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.
For details of coverage, terms, conditions and exclusions, please refer to Policy General Conditions.
Please contact us for further details about the product and how to apply for it.

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 $200/visit/day)

Max. claim
$1,000 per year

Max. claim
$2,000 per year

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

Coverage

Plan 1

Plan 2

Monthly1

Annual2

Monthly1

Annual2

Indivudual3      [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)

  1. Must be settled by BNU credit card.
  2. Premium is inclusive of 10% annual premium discount.
  3. Insured Age: 18 to 65 years old, renewable up to aged 70.
  4. Child(ren) of the insured aged from 6 months to 18.