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For instance, AIA’s Happy Days plan is designed to take care of your children from age two to 23 (if they are still a full-time student) in the event of accidents and sickness. It reimburses medical expenses up to HK$10,000 for each accident, and if your child suffers an illness or an accidental injury which requires hospitalisation, the plan will pay HK$200 a day during hospitalisation – for a maximum of 365 days – to ease your financial burden.