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Personal Accident Insurance
Personal Accident Insurance
24/7 global coverage against unexpected incidents, 365 days a year.
Accidents often strike unexpectedly, anytime and anywhere. Personal accident insurance provides continuous, round-the-clock, worldwide coverage—365 or 366 days a year—whether you are commuting, working, off-duty, or on vacation, helping you manage the financial difficulties and urgent expenses that arise in the unfortunate event of an accident.
Coverage Highlights
Six Core Safeguards
Basic coverage includes accidental death and permanent disability, with optional add-ons for medical expenses, traditional bone-setting and acupuncture, income protection, and hospital cash allowances.
Accidental death
In the unfortunate event of your death due to an accident, the insurance company will provide a lump-sum payment to your next of kin based on the coverage amount you purchased.
Accidental Permanent Disablement
In the event of permanent physical disability resulting from an accident, the insurance company will determine the compensation based on the extent of the injury and the schedule of compensation percentages specified in the policy, calculated against the sum insured.
Medical expenses
Covers medical expenses incurred for treatment by a registered medical practitioner following an accidental injury; reimbursement is based on actual costs, subject to the purchased coverage limit.
Fees for trauma treatment and acupuncture
Covers expenses for bone-setting and/or acupuncture treatment following an accidental injury; reimbursement is based on actual costs incurred, up to the maximum coverage limit.
Income Protection
If medical treatment is required and there is a temporary total loss of the ability to work following an accident, compensation is provided for lost wages—typically calculated on a weekly basis—for a coverage period of up to two years.
Hospital Cash Allowance
During a hospital stay for treatment following an accident, a cash allowance is provided based on the insured coverage amount; compensation is typically calculated on a daily basis.
Extra Benefits
Includes complimentary extra protection
In addition to basic and supplementary coverage, most competitive products on the market offer the following extra benefits at no additional cost; the specific range of included benefits varies slightly among insurance companies.
Double compensation
Double indemnity is payable in the event of accidental death or permanent total disablement while using public transport (with coverage extending to private cars and taxis under certain plans), or in the event of death resulting from residential building fires, police-criminal gunfights, robberies, landslides, floods, or explosions.
Renewal bonus
Upon each annual renewal, the coverage for accidental death and permanent disability automatically increases by 10%, up to a maximum of 50% of the original sum assured or a specific limit stipulated in the policy.
24-Hour International Support
If you encounter an emergency requiring assistance while overseas, the insurance company provides a 24-hour support hotline.
Severe Burn Coverage
In the unfortunate event of suffering severe burns, the insurance company will provide compensation based on the nature of the injury and the schedule of benefits specified in the policy.
Spousal/Survivor Benefits
With a basic coverage of HK$1 million or more, the spouse automatically receives accidental death coverage; in the event that both spouses die in the same accident and leave behind children under the age of 18, double the indemnity or a survivor's benefit is payable.
Double overseas medical indemnity
In the event of an unfortunate accident while overseas, the medical expense coverage you have purchased will automatically increase to the amount specifically stipulated in the policy.
Partner Insurers
Partner Insurance Companies
We partner with numerous renowned insurance companies to compare the most suitable personal accident insurance plans for you.
Product Features
Features
- 24-hour coverage, 365/366 days a year.
- Coverage extends to the commute to and from get off work as well as time outside of working hours.
- Claims for permanent disability are settled in accordance with the compensation ratio schedule.
- Coverage for Bone-setting and Acupuncture Expenses
- Hospital Cash Allowance (calculated on a daily basis)
- The renewal bonus increases in value by 10% annually.
- Global, uninterrupted coverage
- Lump-sum payout for accidental death
- Medical expenses reimbursed at actual cost (subject to a cap)
- Weekly income protection for up to 2 years
- Double indemnity for public transport accidents
- Coverage for poisoning, suffocation, drowning, and disappearance
Main Exclusions
Key Exclusions
- Any illness or pre-existing physical disability.
- Mental illness, sexually transmitted diseases, and AIDS.
- Suicide or intentional self-harm
- Alcohol or drug abuse
- Pregnancy or related matters
- Aviation activities (excluding traveling as a fare-paying passenger on a commercial airliner)
- Participating in professional sports or hazardous activities
- Working in law enforcement, firefighting, or the military
- War or similar risks
- Injury caused by nuclear energy or radiation
- Terrorism and riot activities (additional coverage available from some insurance companies)
The above is a summary; for details, please refer to the policy terms and conditions of the respective insurance companies.
Main Exclusions
Key Exclusions
- Any illness or pre-existing physical disability.
- Mental illness, sexually transmitted diseases, and AIDS.
- Suicide or intentional self-harm
- Alcohol or drug abuse
- Pregnancy or related matters
- Aviation activities (excluding traveling as a fare-paying passenger on a commercial airliner)
- Pregnancy or related matters
- Aviation activities (excluding traveling as a fare-paying passenger on a commercial airliner)
- Participating in professional sports or hazardous activities
- Working in law enforcement, firefighting, or the military
- War or similar risks
- Injury caused by nuclear energy or radiation
- Terrorism and riot activities (additional coverage available from some insurance companies)
The above is a summary; for details, please refer to the policy terms and conditions of the respective insurance companies.
Important Information Regarding Insurance Coverage
Before purchasing personal accident insurance, please note the following to ensure the policy takes effect smoothly and claims can be processed:
1
Premium rates are calculated based on the insured's occupational category; premiums are lower for clerical roles and higher for manual labor jobs.
2
When applying for insurance, you must truthfully declare your occupation, the nature of your work, and any part-time employment.
3
You must declare past accident and medical history as well as pre-existing injuries to avoid affecting future claims.
4
Optional coverages (medical, bone-setting and acupuncture, income protection, and hospital cash allowance) can be selected as needed.
5
The extent of additional coverage varies depending on the insurance company, occupational category, and premium level.
6
The insured amount should be determined based on personal annual income and the level of family financial responsibilities.
Claims Guide
Claims Guide
Should any incident occur that could give rise to a claim, please notify our Claims Department immediately; we will assist you throughout the entire claims process.
Instant Notifications
In the event of any incident that could give rise to a claim, please immediately contact our Claims Department by telephone, providing your policy number, policyholder's name, and contact telephone number; alternatively, you may notify us via email. A delay in notification may result in the insurance company refusing to process the claim.
Prepare documents
Please complete the claim application form. Claims for medical expenses must be accompanied by original receipts specifying the date of consultation or hospitalization, diagnosis, and the attending physician's name and signature. Claims for income protection require a medical certificate (sick leave note) and proof of income, while claims for hospital cash allowances require a certificate of hospitalization.
Submit a claim
In the event of death, a death certificate, medical reports, and a police investigation report (plus an autopsy report, if necessary) must be submitted; for permanent total disability, a disability assessment report is required. The insurance company may request additional information and will issue the claim payment in accordance with the policy terms.
The Claims Department will contact you immediately.
Please note that a delay in notification may result in the insurance company refusing to process your claim in accordance with the terms of the policy.