Your Personal Accident
Your Personal Accident
Your active lifestyle doesn’t stop, and neither does your need for protection. Our Personal Accident insurance provides essential 24/7 coverage for accidental injuries, whether you’re in Hong Kong or travelling overseas.
Safeguard your income and savings with coverage of up to HKD 4,000,000 for permanent disability, plus support for medical bills and recovery.
PROTECT YOURSELF TODAY
Accident Insurance
Types of Personal Accident Insurance
Personal Accident Insurance may include Death Benefits, Permanent and/or Partial Disability, Temporary Disability, Outpatient Treatments and many more. Do contact us to get a comprehensive overview before deciding on 1.
Free Coverage for you children **
If both you and your spouse are insured. Your children will receive free coverage. **selected plans only
Coverage for TCM Treatments
If you decide to go for Traditional Chinese Medicine treatments. We will also reimburse you for your treatments.
Comprehensive
Coverage
Coverage
We have a comprehensive coverage, which includes accidental death, accidents, as well as animal and insect bites.
Flexible Payment Arrangements
You can choose to pay annually or monthly with your GIRO or credit card, ensuring that you are always protected.
Weekly benefit for Temporary Disability
If you are unable to go to work due to temporary disability, resulting in income loss, we will pay a weekly benefit.
Covers Personal and Family Liabilities **
Insures you against third party claims for bodily injury or property damage caused by you or your family. **selected plans only
FAQ
The eligible age range is subject to the specific policy and insurer. For most standard Personal Accident plans in Hong Kong, the entry age is typically from 18 to 65 years old.
These policies are often renewable annually, with many insurers allowing renewal up to the age of 70, 75, or sometimes 80, depending on the provider and the product terms. It is important to check the specific age limits and renewal conditions of your chosen plan.
"The "Free Look Period" is a consumer protection right mandated by the Hong Kong Insurance Authority.
It refers to a 21-day cooling-off period starting from the day after you receive the policy documents. If, upon review, you are not satisfied with the policy's terms and conditions for any reason, you may cancel the policy within this window.
Upon cancellation, you will receive a full refund of the premium paid, provided no claims have been made during this period. The insurer may deduct a reasonable fee for any medical examinations that were specifically arranged and paid for as part of your application.
Always refer to the terms and conditions in your policy document for the precise details of your free look period.
To file a claim, please follow these steps:
Step 1: Notify your insurer about the accident as soon as possible. Many insurers allow you to do this initially by phone or through their mobile app.
Step 2: Complete the official Personal Accident Claim Form provided by your insurer.
Step 3: Compile the necessary original supporting documents (see below) and submit them along with the completed claim form to your insurer via post or their designated online portal.
Required Supporting Documents:
The documents required depend on the nature of your claim:
- For Medical Expenses Reimbursement:
- Itemized medical invoices and receipts.
- A doctor's report stating the diagnosis and confirming the treatment was for injuries sustained in the accident.
- For a Death Claim:
- Original Death Certificate.
- Police report (if applicable).
- Autopsy report (if required by the insurer).
- Proof of relationship between the deceased and the claimant (e.g., birth certificate, marriage certificate).
- For Permanent Disability:
- A medical and/or specialist's report detailing the nature and extent of the permanent disability, often requiring a specific assessment based on the policy's definitions.
- For Temporary Total Disability (Loss of Income):
Medical certificates confirming you were unfit for work and stating the exact period of medical leave.
Important Note: The list above is not exhaustive. The insurer retains the right to request additional documents to process your claim, such as a copy of your Hong Kong ID, the policy document, or any other relevant evidence.
Typically, no. The cost of obtaining any initial medical reports or certificates required to support your claim (e.g., a doctor's report confirming the diagnosis and linking it to the accident) is usually the responsibility of the policyholder/claimant.
However, if the insurer specifically requests additional reports or documents beyond what is initially provided to further assess a complex claim, they may cover those particular fees. It is always best to check with your claims handler for clarification on any specific requests.
Please refer to your policy terms and conditions for detailed information on claim-related expenses.