hk-personal-accident-insurance-2-3

hk-personal-accident-insurance-2-3

   

Personal Accident Insurance Application

Choose Insurer & Product

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Select Benefit Level
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Maximum up to 75% of weekly income

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Medical Expense Limits: HK$15,000
Medical Expense Limits: HK$30,000
Medical Expense Limits: HK$50,000
Chinese Herbalist, Bonesetter, Acupuncturist: HK$150/day, up to HK$1,000
Chinese Herbalist, Bonesetter, Acupuncturist: HK$150/day, up to HK$2,000
Chinese Herbalist, Bonesetter, Acupuncturist: HK$150/day, up to HK$3,000
Daily Hospital Cash: HK$75/day up to HK$27,375
Daily Hospital Cash: HK$150/day up to HK$54,750
Daily Hospital Cash: HK$450/day up to HK$164,250
Applicant Details
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Declarations
I do not have any existing accident insurance.
I have not ever had an application for life or accident insurance declined.
The amount of weekly compensation does not exceed 75% of my average weekly earnings.
My hearing or sight is not in anyway impaired and I do not have any physical defect or infirmity.
There is nothing hazardous about my occupation or pursuits.
I have never made a claim against any insurer in respect of any accidental bodily injury.
I am not involved in any manual or outdoor duties at work
I am not receiving or contemplating any medical attention or surgical treatment or taking any medicine.
I have not suffered from any serious injury or illness
I am not holding any insurance against accident or illness.
I have not made any claim to accident or medical insurance in the past three years.
I have never been refused by accident or medical insurance or subject to special terms and conditions.
I will not stay in Hong Kong less than 180 days in a year
I have never been refused any life or health insurance or subject to special terms and conditions.
I do not have any other accident insurance.
I have not incurred any accidents in the last 5 years.
I do not suffer any infirmity, illness or physical defect.
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Compare the key features below for the plans from Allied World, MSIG and AXA: 

 

Product Name allied-world-logo01 msig-logo   axa-logo
Bodyguard Personal Protector 3.0  SmartCare Prime

Coverage Age

16 - 65

16 - 70 18 - 65

Accidental Death & Permanent Disablement

 

- See detailed schedules for loss of digits, hearing etc.

100% of sum insured will be paid

100% of sum insured will be paid

100% of sum insured will be paid

Double benefit paid if:

a) accident happens in common carrier
b) due to shark attack
c) insured and his/her spouse passed away with children aged under 18
(Not applicable in the event of terror attack)

a) travelling as a fare-paying passenger on board a public conveyance;
b) being an innocent victim in a robbery, or
c) being an innocent victim in a fire or an explosion within your residential building.
(up to a maximum amount of HK$1,000,000)

a) traffic accident whilst riding as a passenger

b) landslide

c) flood

d) explosion

e) fire

Major Burns - 3rd Degree

25% of Accidental Death & Permanent Dismemberment benefit

 NA Double the medical expenses if the 3rd degree burn is due to an accident 
 
Temporary Total Disablement Optional Optional Not Available
Weekly income replacement  Up to 75% of average weekly income subject to a max. of HK$5,000/week for 104 weeks The weekly benefit for a period not exceeding 104 weeks. NA
  Apply Now Apply Now Apply Now

Medical Expenses

(for accidents)

Optional Optional Bundled in Plan
Medical Expenses Necessary medical, surgical, hospital, nursing home or massage expenses. Up to 10% of Accidental Death & Permanent Disablement benefit subject to a max. of HK$250,000 Reasonable medical, surgical, hospital, nursing home and nursing fees or charges necessarily incurred within 12 consecutive months of the happening of the bodily injury. Actual medical expenses within 12 months from the date of accident.
Hospitalisation Allowance If Medical Expenses is insured at HK$10,000 or above:

- HK$200 per day
- Max. : HK$2,000 per year
(Subject to hospitalisation for more than 3 consecutive days)

HK$500 a week, up to a maximum period of 52 weeks  - HK$75 to HK$450 per day depending on the plan chosen, up to max limit

(Subject to hospitalisation for more than 4 consecutive days, maximum 365 days)

Bonesetters’ Fees

If Medical expenses is insured at HK$10,000 or above:
- HK$150 per consultation (Excess: HK$50)
- Max. : HK$1,500 per year
(Diagnosed by a registered medical practitioner)

If Medical expenses is insured at HK$10,000 or above:

- HK$150 per consultation

- Max: $1,500 per year 

HK$150 per consultation per day for Chinese Herbalist, Bonesetter or Acupuncturist
Free Spouse Cover

Free HK$100,000 Accidental Death and Permanent Disablement Cover for your spouse if your sum insured is not less than HK$1,000,000

Free HK$100,000 Accidental Death and Permanent Disablement Cover for your spouse if your sum insured is not less than HK$1,000,000 NA
No Claims Bonus

If you did not make any claim in the preceding year, the benefit limit of your Accidental Death & Permanent Disablement will be automatically increased by 10% in compound for a maximum of 5 years,

If you did not make any claim in the preceding year, the benefit limit of your Accidental Death & Permanent Disablement will be automatically increased by 10% in compound for a maximum of 5 years, NA 
  Apply Now Apply Now Apply Now

 

 

 

See brochures for full details. 

 

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