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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Q/1MQZLuvithzcZVec58j0zMYEhc00DJwtKUchUfVHKQjLcItxCQY/6KdOkb2iom
 uYuA8Sr4vgziekWYbFZrAw==

<SEC-DOCUMENT>0001181431-03-027318.txt : 20031023
<SEC-HEADER>0001181431-03-027318.hdr.sgml : 20031023
<ACCEPTANCE-DATETIME>20031023093853
ACCESSION NUMBER:		0001181431-03-027318
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031023
FILED AS OF DATE:		20031023

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			MEDINI PAUL BENNETT
		CENTRAL INDEX KEY:			0001267926

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-11778
		FILM NUMBER:		03953133

	BUSINESS ADDRESS:	
		STREET 1:		THE ACE BUILDING
		STREET 2:		17 WOODBOURNE AVE
		CITY:			HAMILTON BERMUDA
		STATE:			D0
		ZIP:			HM 08

	MAIL ADDRESS:	
		STREET 1:		THE ACE BUILDING
		STREET 2:		17 WOODHOURNE AVE
		CITY:			HAMILTON BERMUDA
		STATE:			D0
		ZIP:			HM 08

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ACE LTD
		CENTRAL INDEX KEY:			0000896159
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			D0
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		ACE BLDG
		STREET 2:		30 WOODBOURNE AVE
		CITY:			HAMILTON HM 08 BERMU
		STATE:			D0
		ZIP:			00000
		BUSINESS PHONE:		8092955200

	MAIL ADDRESS:	
		STREET 1:		P O BOX HM 1015
		CITY:			HAMITON BERMUDA
		STATE:			D0
		ZIP:			00000
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>rrd20793.xml
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>3</documentType><periodOfReport>2003-10-23</periodOfReport>
    <noSecuritiesOwned>1</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000896159</issuerCik>
        <issuerName>ACE LTD</issuerName>
        <issuerTradingSymbol>ACE</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001267926</rptOwnerCik>
            <rptOwnerName>MEDINI PAUL BENNETT</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>THE ACE BUILDING</rptOwnerStreet1>
            <rptOwnerStreet2>17 WOODBOURNE AVENUE</rptOwnerStreet2>
            <rptOwnerCity>HAMILTON</rptOwnerCity>
            <rptOwnerState>D0</rptOwnerState>
            <rptOwnerZipCode>HM 08</rptOwnerZipCode>
            <rptOwnerStateDescription>BERMUDA</rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>Chief Accounting Officer</officerTitle></reportingOwnerRelationship></reportingOwner><ownerSignature><signatureName>Paul Bennett Medini</signatureName><signatureDate>2003-10-23</signatureDate></ownerSignature></ownershipDocument>



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</TEXT>
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