{"id":8792,"date":"2025-08-13T06:10:46","date_gmt":"2025-08-13T06:10:46","guid":{"rendered":"https:\/\/iongroup.hk\/?page_id=8792"},"modified":"2025-09-22T02:26:54","modified_gmt":"2025-09-22T02:26:54","slug":"personal-accident","status":"publish","type":"page","link":"https:\/\/iongroup.hk\/?page_id=8792","title":{"rendered":"Personal Accident"},"content":{"rendered":"\t\t
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\n \n \n Your Personal Accident\n \n \n <\/i>\n <\/i>\n <\/i>\n <\/i>\n <\/i>\n <\/i>\n <\/i>\n <\/span>\n <\/h1>\n <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n \n \n Your Personal Accident\n \n \n <\/i>\n <\/i>\n <\/i>\n <\/i>\n <\/i>\n <\/i>\n <\/i>\n <\/span>\n <\/h3>\n <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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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.<\/p>

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Safeguard your income and savings with coverage of up to\u00a0HKD 4,000,000<\/b>\u00a0for permanent disability, plus support for medical bills and recovery.<\/p>

PROTECT YOURSELF TODAY<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Accident Insurance<\/h3>\n <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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\n \n \n Types of Personal Accident Insurance\n\n \n <\/span>\n <\/h3>\n <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n
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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.<\/p><\/div><\/div>

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Free Coverage for you children **<\/h5>

If both you and your spouse are insured. Your children will receive free coverage. **selected plans only<\/p> <\/h3>\n <\/div>\n <\/div>\n

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Coverage for TCM Treatments<\/h5>

If you decide to go for Traditional Chinese Medicine treatments. We will also reimburse you for your treatments. <\/p> <\/h3>\n <\/div>\n <\/div>\n

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Comprehensive
Coverage<\/h5>

We have a comprehensive coverage, which includes accidental death, accidents, as well as animal and insect bites.<\/p> <\/h3>\n <\/div>\n <\/div>\n

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Flexible Payment Arrangements<\/h5>

You can choose to pay annually or monthly with your GIRO or credit card, ensuring that you are always protected.<\/p> <\/h3>\n <\/div>\n <\/div>\n

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Weekly benefit for Temporary Disability<\/h5>

If you are unable to go to work due to temporary disability, resulting in income loss, we will pay a weekly benefit.<\/p> <\/h3>\n <\/div>\n <\/div>\n

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Covers Personal and Family Liabilities **<\/h5>

Insures you against third party claims for bodily injury or property damage caused by you or your family. **selected plans only<\/p> <\/h3>\n <\/div>\n <\/div>\n

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\n \n <\/i>\n \n FAQ\n \n <\/span>\n <\/h3>\n <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n \n 1. What is the applicable age for Personal Accident plans in Hong Kong? <\/i>\n <\/a>\n <\/div>\n

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\u00a018 to 65 years old<\/b>.<\/p>

These policies are often renewable annually, with many insurers allowing renewal up to the age of\u00a070, 75, or sometimes 80<\/b>, depending on the provider and the product terms. It is important to check the specific age limits and renewal conditions of your chosen plan.<\/p><\/div>\n <\/div>\n

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\n \n 2. What does "FREE LOOK PERIOD" mean? <\/i>\n <\/a>\n <\/div>\n

\"The \"Free Look Period\" is a consumer protection right mandated by the Hong Kong Insurance Authority.<\/p>

It refers to a\u00a021-day cooling-off period<\/b>\u00a0starting 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.<\/p>

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.<\/p>

Always refer to the terms and conditions in your policy document for the precise details of your free look period.<\/i><\/b><\/p><\/div><\/div>\n <\/div>\n

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\n \n 3. Will my premiums increase as i grow older? <\/i>\n <\/a>\n <\/div>\n
No, premiums for Personal Accident policies do not increase with age.<\/div><\/div><\/div>\n <\/div>\n
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\n \n 4. What are the steps for me to file a Personal Accident claim in Hong Kong? <\/i>\n <\/a>\n <\/div>\n

To file a claim, please follow these steps:<\/p>

Step 1:<\/b>\u00a0Notify your insurer about the accident as soon as possible. Many insurers allow you to do this initially by phone or through their mobile app.<\/p>

Step 2:<\/b>\u00a0Complete the official\u00a0Personal Accident Claim Form<\/b>\u00a0provided by your insurer.<\/p>

Step 3:<\/b>\u00a0Compile 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.<\/p>

Required Supporting Documents:<\/b><\/p>

The documents required depend on the nature of your claim:<\/p>