From HK$10 a day, enjoy life and terminal illness cover with 100% guaranteed refund of premium* at the end of the policy term.
From as low as HK$10 a day, you get HK$250,000 protection
PayCheck pays HK$250,000 to your family in the event of death1 and terminal illness2. Depending on your protection needs, you may select a sum assured as a multiple of HK$250,000, up to a maximum of HK$1 million3.
15-year cover with 10 years of premiums only
Pay premiums for a term of 10 years and enjoy 15 years of protection.
100% guaranteed refund of premiums*
If no claim is made by the end of the 15 years, you will get back 100% of the premiums paid.
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100% guaranteed refund of premiums is only applicable at the end of 15 years less any outstanding amount. |
Surrender value
60% of the premium paid to date will be returned to you if insurance cover is terminated anytime from the third policy year onwards.
No medical examination and easy application
No medical examination is required. Just answer 5 simple questions about your health in the application form. PayCheck is applicable if you are between 19 to 60 on your next birthday. The policy documents will be sent to you by post upon acceptance of your application.
Simple payment
Payment is convenient through monthly payment from your bank account, DBS credit card or co-branded cards4.
PayCheck monthly premium
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Monthly Premium# (HK$)
(for every sum assured
of HK$250,000) |
| Age Next Birthday |
|
|
| 19-30 |
288 |
308 |
| 31-40 |
298 |
348 |
| 41-50 |
498 |
578 |
| 51-55 |
888 |
1,038 |
| 56-60 |
1,738 |
2,028 |
| 61-70+ |
1,738 |
2,028 |
| # |
Your premiums will increase as you enter the higher age band. Premium rates are not guaranteed and may be adjusted on the anniversary of the policy. |
| + |
The maximum entry age is 60. |
Investing with Aviva
Aviva Life Insurance Company Limited is a member company of Aviva plc, which is one of the largest global insurers, one of the largest insurers in the UK, one of the leading providers of life and pensions products across Europe, one of the Fortune Global 500 companies and has an AA- rating (as of 31 March 2009) affirmed by Standard & Poor's.
With a 300-year history, Aviva plc is an expert in long-term savings and fund management and manages assets with USD552 billion (as at 31 December 2008). Aviva plc operates in more than 27 countries with 57,000 employees and serves 50 million customers worldwide.
Plan for your future, analyse your financial situation now
At DBS, we are dedicated to assisting you in financial planning for each step of your life. Whether it is your child's education, your retirement or simply a protection plan for you and your family, we can help you along the way. Visit any DBS branch to arrange an appointment for a financial needs analysis.
For enquiries, please visit any of our branches or call DBS Aviva Life Direct on 3550 9800.
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Underwritten by:
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Notes:
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Death resulting from all causes (except suicide in the 1st year).
Terminal illness means the conclusive diagnosis of an illness that is expected to result in the death of the Life Assured within twelve (12) months. The Terminal Illness must be diagnosed by a specialist and the diagnosis must be confirmed by Aviva's appointed Registered Medical Practitioner. Terminal illness in the presence of HIV infection is excluded.
Subject to underwriting approval. The sum assured per policy is fixed at HK$250,000. In order to achieve a total sum assured of HK$1 million, more than one policy has to be enrolled.
- Including Cable Power VISA, ESSO MasterCard, COMPASS VISA, Everyday COMPASS VISA and Dragonair VISA.
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Remarks: |
- DBS Bank ( Hong Kong) Limited ("DBS") is a licensed insurance agent of Aviva Life Insurance Company Limited ("Aviva").
- This webpage is a summary of the plan. For details of the coverage and a complete explanation of the terms and conditions, please refer to the Policy Provisions. A copy of the policy provisions may be obtained from Aviva on request.
- This webpage is issued by Aviva for DBS distribution. Aviva accepts full responsibility for information contained in this webpage. You should not purchase this product unless you understand it and it has been explained to you how it is suitable for you. The final decision is yours.
- You may cancel the policy by giving Aviva written notice of cancellation provided that such notice of cancellation must be received by Aviva on or before the time determined by Hong Kong Federation of Insurers ("HKFI") from time to time.
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