What does accident insurance cover?

Generally speaking, accident insurance covers all accidents sustained during the period of insurance subject to exclusion of certain occupation related accidents. In the case the insured's accident is fatal, the insured's family will receive benefits up to the sum insured. If the insured becomes disabled as a result of the accident, the insured will receive benefits expressed as a percentage of the sum insured, depending upon the severity of the disablement.

What should I consider when deciding a suitable insurance plan?

There are several factors that you should consider. First, as the premium of accident insurance is based on the principal sum insured, you should consider your economic ability and financial burden such as mortgage and living expenses of the family. Second, you may elect certain optional benefits, such as hospital cash benefit, surgery expenses, bone-setting expenses, medical expenses and double benefit etc.

What should I do if I need assistance?

One of the major benefits of accident insurance is the 24-hour Travel & Medical Assistance Service. If you are injured due to an accident, you can call the 24-hour assistance hotline +852-2861-9294 .

Will accident insurance cover the cost of bone-setting therapy?

Yes, accident insurance covers injuries suffered from serious accidents and minor accidents. For example, if you sprained your ankle and required bone-setting therapy, the cost of bone-setting therapy will be covered subject to the maximum benefit limit.

If I need to be hospitalized, will there be any daily cash allowance?

If you are injured and need to be hospitalized, the accident insurance will provide you a certain amount of cash allowance per day to supplement your daily expenses.

Does accident insurance cover serious skin burn?

Yes, accident insurance covers serious skin burn, in addition, it also covers permanent disablement due to the serious skin burn.

Does accident insurance provide any special extra protection?

Yes, apart from the accident-incurred fees, such as medical charges, bone-setting fee, hospital cash, repatriation of remains and burial and funeral expenses, accident insurance also provides credit card coverage. In case of fatal accident, we will pay for the outstanding balance on your credit card up to a certain amount of benefit.

Can I purchase accident insurance for my family member?

Yes, you may purchase accident insurance for your family member. Accident insurance may be purchased using different combinations based on your needs, for example, you and your spouse, you and your children etc.

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