Personal Accident Insurance Plan

Plan overview

Personal Accident Insurance Plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited ("Chubb").

This Plan aims to provide multiple personal accident insurance coverage, including accidental medical and bonesetter benefits as well as up to HKD2,000,000 traffic accident coverage for the insured travelling as a passenger in a Public Common Carrier or in a private car. What's more, this Plan also includes up to HKD500,000 personal liability coverage and up to 15 visits to post-hospitalisation outpatient services.

This Plan offers a 30% no-claims cash refund benefit when no claim is made in 5 consecutive years. With Personal Accident Insurance Plan covering the unexpected accident and associated costs, customers can enjoy life to the fullest without worrying about the burden.

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Key features

Up to HKD2,000,000 traffic accident coverage

This Plan covers death or permanent total disablement caused to the insured in the event of travelling as a passenger in a Public Common Carrier or in a private car.

Up to HKD1,000,000 personal accident coverage

This Plan offers protection in the event of accidents for death or permanent disablement (total or partial) such as loss of sight, loss of speech, loss of a limb, etc.

Up to HKD20,000 Accidental Medical Expenses

This Plan provides reimbursement of medical, surgical, hospital, chiropractor and physiotherapy expenses for accidental injury.

Up to HKD1,000 Chinese bone-setting coverage

This Plan covers the medical expenses of Chinese bone-setting up to HKD1,000 due to accidental injuries.

Up to HKD500,000 personal liability coverage

This Plan protects against the Insured Person becomes legally liable to pay compensation for an Accident which causes bodily injury to any other person or destruction of the property of others.

Up to 15 visits to post-hospitalisation clinical services

This Plan provides post hospitalization clinical services including medical follow-up consultation, secondary specialist’s medical advice, physician examination and occupation evaluation or physiotherapy.

Note(s): The information above is for reference only, you can refer to the plan coverage and Policy Wording for details.

Coverage overview

Plan A	Plan B
Maximum claim per year (HKD)
Accidental death Accidental death as a result of an accidental Injury
500,000	1,000,000
Permanent disablement Permanent disablement as a result of an accidental Injury
500,000	1,000,000
Double indemnity in public transport carrier or private car In the event of travelling as a passenger in a public common carrier or in a private car causing death / permanent total disablement
1,000,000	2,000,000
Accidental Medical Expenses Reimbursement of medical, surgical, hospital, chiropractor and physiotherapy expenses for accidental injury
10,000	20,000
Chinese bonesetting Covers the medical expenses of Chinese bonesetting due to accidental injuries (HKD 100 per visit)
500	1,000
Personal liability Protects against the Insured Person becomes legally liable to pay compensation for an Accident which causes bodily injury to any other person or destruction of the property of others
300,000	500,000
Post hospitalization clinical services Provide medical follow-up consultation, secondary specialist’s medical advice, physician examination and occupation evaluation or physiotherapy Up to 15 post-hospitalisation outpatient visits within 2 months of discharge per accidental injury
No-claims premium refund 30% no-claims premium refund with no claim records for 5 consecutive policy years

Note(s): The information above is for reference only, you can refer to the plan coverage and Policy Wording for details.

FAQs

Application

Can I apply for this Plan?

You can apply for this Plan if you aren't engaged in the following occupations / industries: disciplinary forces or emergency services (disciplinary forces shall include but not be limited to policemen, customs officers, firemen, paramedics, immigration officers / inspectors and correctional service officers / inspectors etc.), active armed services or forces, offshore oil and gas rigs, professional sportspersons, diving and related occupations; ship crews, pilots and aircrew, forestry, logging and saw mills, mining and extraction, fishing / aquaculture, construction workers, railway workers, gondola or scaffolder workers, stunt persons, use of explosives, couriers, two-wheeler delivery.

Can housewives or retired persons apply for this Plan?

Yes, housewives or retired persons can apply for this Plan.

If I apply more than 1 Personal Accident Protection Plan, will I enjoy double protection?

The insured isn't allowed to be covered under more than 1 Personal Accident Protection Plan. If the insured is being covered under more than 1 Policy:

We'll consider the insured under the Policy which provides the highest amount of benefit; or
We'll consider the insured under the Policy which was issued first if the benefit amount is the same.

In any case, any re-purchased policy will lapse from the policy effective day and we'll refund the premium paid to you (excluding interest).

Managing policy

What is "Policy Review Period"?

"Policy Review Period" means the Insured will be entitled to review the policy within 15 days after receipt of the policy. For any reason he / she isn't satisfied, simply return it with a written notice within 15 days after receipt of the policy. The policy will be cancelled and any premium already paid will be refunded if you haven't made a claim.

Do I need to arrange Personal Accident Protection Plan renewal upon expiry?

No, your policy will be automatically renewed until you reach the age of 80.

Claims

If the insured dies or becomes disabled from illness, pregnancy or childbirth or commits suicide during the term of accident insurance, will he / she be covered by this Plan?

All these are exclusions under this Plan.

Make a claim

Claim procedures

Find details on how to submit your claim and more.

View details

Download form

You can find all the forms and documents here for our insurance policies.

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Useful Information

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Other point(s) to note

The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not Hang Seng Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer.
The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.

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