Life is full of uncertainties. We can never know what the future may bring. So the best solution is to be well prepared for the rainy days.

Comprehensive Accident Benefit Plus offers a comprehensive array of 24-hour worldwide accident protections. It relieves you of any unforeseen financial burden during the period of treatment and convalescence, and gives you greater peace of mind.

Accidental Medical Expense Allowance
Accidental Hospitalization Allowance
Accidental Income Replacement
Accidental Disablement Benefit / Accidental Total & Permanent Disability Benefit
Accidental Death Benefit
Double Benefit
  • If the Insured sustains a bodily injury as a result of an accident, the plan will reimburse the actual medical expenses1 with up to 6% of the Sum Insured, per accident. There is no limitation on the number of accidents for which Accidental Medical Expense Allowance is payable
  • Provides a wide range of coverage, including medical, surgical, therapeutic, X-ray, nursing, physiotherapy, and outpatient treatment performed by a doctor, registered physiotherapist2, registered chiropractor2 or bone-setting3 services performed by a Chinese medicine practitioner

Notes:
1. If the Insured is entitled to a reimbursement of accidental medical expenses from any other insurance plans, the Insured will only be reimbursed with any excess of the actual expense over the reimbursement amount from other plans.
2. Treatment performed by a registered physiotherapist or registered chiropractor must be recommended by a doctor in advance. 
3. Maximum benefit for bone-setting services is US$15 / HK$ /MOP120 per visit and up to 5 visits in one calendar year under the same Insured with our Company, excluding any oral medicine prescribed by a Chinese medicine practitioner. We reserve the right to require proof by a doctor to confirm the Insured sustains accidental bodily injury prior to the relevant treatment is received and to revise or cease to provide the bone-setting benefit at each renewal for all persons insured in the same risk class. 

  • If the Insured is confined to a hospital for 8 hours or more due to accidental bodily injury, an Accidental Hospitalization Allowance of 1.5% of Sum Insured per week will be paid, for up to 52 weeks per accident. And you can spend the cash at your total discretion
  • If the accidental bodily injury causes the Insured to suffer from temporary disability for one week or longer, an Accidental Income Replacement4 will be paid, for up to 52 weeks per accident
  • Temporary Total Disability: 0.70% of the Sum Insured per week
  • Temporary Partial Disability: 0.35% of the Sum Insured per week

Notes:
4. The maximum aggregate benefit per accident for Accidental Income Replacement, Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit is 100% of the Sum Insured. If Double Benefit applies, the maximum aggregate benefit is 200% of the Sum Insured.

  • If the accidental bodily injury causes the Insured to suffer from disability, a lump-sum cash benefit of up to 100% of the Sum Insured4,5 will be provided.

Remark:
4 The maximum aggregate benefit per accident for Accidental Income Replacement, Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit is 100% of the Sum Insured. If Double Benefit applies, the maximum aggregate benefit is 200% of the Sum Insured.
5 Upon any benefit under Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit or Accidental Death Benefit has been paid, the policy will terminate. 

  • If the accidental bodily injury results in the death of the Insured, a lump-sum cash benefit of 100% Sum Insured4,5 will be provided

Notes:
4. The maximum aggregate benefit per accident for Accidental Income Replacement, Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit is 100% of the Sum Insured. If Double Benefit applies, the maximum aggregate benefit is 200% of the Sum Insured.
5. Upon any benefit under Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit or Accidental Death Benefit has been paid, the policy will terminate. 

  • If the Insured sustains accidental bodily injury in the following locations/conditions, the benefits payable will be doubled6, except for the Accidental Medical Expense Allowance:

- Riding as a fare-paying passenger on any public conveyance over an established land route; or

- Burning of any theatre, hotel, stadium, shopping mall or hospital in which the Insured is present at the commencement of the fire; or

- In an elevator (excluding elevators on construction sites and in mines)

  • If the Insured is confined in an intensive care unit of a hospital on the recommendation of a doctor due to accidental bodily injury for 8 hours or more, the Accidental Hospitalization Allowance will also be doubled6.  

Notes:
6 The Double Benefit shall be paid once only for each accident, even if two or more of the above conditions are met.

Issue Age (At Last Birthday)
Issue Age (At Last Birthday)

Age 18-60

Benefit Term
Benefit Term

To Age 65

Premium Payment Term
Premium Payment Term

To Age 65

Talk to us now (852) 2533 5555

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