Accident Insurance
Protection so you and your loved ones can flourish
Key Features
Plan Highlights
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Tailored CoverageCoverage tailored for children, adults and the elderly |
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Accidental Death or Permanent DisablementCover up to HK$1,000,000 for you or your family members |
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Dangerous Sports CoverageEmbrace adventures with dangerous sports coverage, including winter sports, horse riding, water skiing and scuba diving |
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Temporary DisablementCover up to HK$1,000 per week for 52 weeks |
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Accidental Medical ExpensesCover Medical Expenses up to HK$20,000 per accident |
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Damage of Clothing & Personal effectsExtend to cover mobile phone up to HK$2,000 per year |
Plan details
Benefits
| Benefits at a Glance | Maximum Benefits Payable Per Year (HK$) | |||
|---|---|---|---|---|
| Child Plan | Adult Plan A | Adult Plan B | Elderly Plan | |
Personal Accident |
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Accidental Death |
300,000 | 500,000 | 1,000,000 | 500,000 |
Permanent Disablement |
300,000 | 500,000 | 1,000,000 | 500,000 |
Temporary DisablementLimit per week |
N/A | 500 | 1,000 | N/A |
| Maximum no. of weeks | N/A | 52 | 52 | N/A |
Medical ExpensesLimit per accident |
20,000 |
10,000 |
20,000 |
10,000 |
Extra Benefits (For all plans) |
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No Claim Bonus |
10% increase in Death Benefit Amount and Permanent Disablement Benefit Amount compounding each year over a 5-year period |
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Major Burns |
150,000 | 250,000 | 500,000 | 150,000 |
Extra Indemnity for General Holiday |
25,000 | 25,000 | 50,000 | 25,000 |
Funeral and Cremation Expenses |
25,000 | 25,000 | 25,000 | 25,000 |
Trauma Counselling Expenses |
5,000 | 5,000 | 5,000 | 5,000 |
Bereavement Counselling Expenses |
5,000 | 5,000 | 5,000 | 5,000 |
Physiotherapist, Chiropractor, Bonesetter & Acupuncturist Treatment Expenses |
2,500 | 2,500 | 2,500 | 2,500 |
| Limit of visit per accident | 5 | 5 | 5 | 5 |
| Limit of visit per day | 1 | 1 | 1 | 1 |
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Physiotherapy & Chiropractor Treatment
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500 | 500 | 500 | 500 |
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Bonesetter & Acupuncturist Treatment
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200 | 200 | 200 | 200 |
Clothing and Personal Effects Damage CompensationLimited per accident |
2,000 | 2,000 | 5,000 | 2,000 |
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Mobile phone protection*
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2,000 | 2,000 | 2,000 | 2,000 |
Hospital Confinement AllowanceLimit per day |
200 | 200 | 200 | 200 |
| Maximum no. of days | 182 | 182 | 182 | 182 |
24-hour Worldwide Assistance Services |
Included | Included | Included | Included |
Extra Benefits (for Child Plan) |
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Extra Indemnity for Accidents During School Activities |
100,000 | N/A | N/A | N/A |
Recovery Equipment Expenses |
10,000 | N/A | N/A | N/A |
Parent's Leave CompensationLimit per day |
200 | N/A | N/A | N/A |
| Maximum no. of days | 10 | N/A | N/A | N/A |
Extra Benefits (for Adult Plan A and Adult Plan B) |
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Double Indemnity |
N/A | Up to 500,000 | Up to 1,000,000 | N/A |
Extra Indemnity for Friday, Saturday, Sunday or Eve of General Holiday |
N/A | 25,000 | 50,000 | N/A |
Accidental Cosmetic Surgery ExpensesLimit per accident |
N/A | 20,000 | 40,000 | N/A |
Extra Benefits (for Elderly Plan) |
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Broken Bones |
N/A | N/A | N/A | 100,000 |
Prosthesis Expenses |
N/A | N/A | N/A | 10,000 |
Important Notes:
- When the Insured Person attains the age of 18 years (or 24 years if being full time student) or 61 years upon policy renewal, the coverage will be transferred from Child Plan to Adult Plan A or Plan B or from Adult Plan A or Adult Plan B to Elderly Plan respectively provided the insured person has advised MSIG Insurance (Hong Kong) Limited (”MSIG”) the occupation and MSIG has agreed to provide cover. The coverage and applicable premium will be changed accordingly.
- Age limit of the Insured Person is 6 months to 75 years old.
- Permanent Disablement benefit will be reimbursed according to the percentage of benefit as stated in the policy.
- Temporary Disablement benefit will be payable subject to the presentation of original leave certificate issued by the Insured Person’s employer, and no benefit will be payable if the Insured Person is a housewife, retired, unemployed, self-employed, or not under contract of employment at the time of accident.
- Parent’s Leave Compensation will be payable subject to the presentation of original leave certificate issued by the Insured Person’s parent’s employer, and that the Insured Person must be confined to hospital resulting from an accident. No benefit will be payable for the first two days of hospital confinement, or if the Insured Person’s parent who applies for the claim is a housewife, retired, unemployed, self-employed, or is not under a contract of employment at the time of the accident. Parent’s Leave Compensation only applies to Child Plan.
- Major Burns Benefit will be reimbursed according to the percentage of the Major Burns table of indemnity as stated in the policy.
- Broken Bones Benefit (for Elderly plan) will be reimbursed according to the percentage of the Broken Bones table of indemnity as stated in the policy.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Annual Premium Table^ (HK$)
| Age | Child Plan | Adult Plan A | Adult Plan B | Elderly Plan |
|---|---|---|---|---|
|
6 months - 17 |
1,560 |
Not Applicable |
Not Applicable |
Not Applicable |
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18 - 23 (full-time student only) |
1,300 |
Not Applicable |
Not Applicable |
Not Applicable |
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18 - 40 |
Not Applicable |
900 |
1,780 |
Not Applicable |
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41 - 60 |
Not Applicable |
955 |
1,960 |
Not Applicable |
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61 - 70 |
Not Applicable |
Not Applicable |
Not Applicable |
1,490 |
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71 - 75 (for renewal only) |
Not Applicable |
Not Applicable |
Not Applicable |
1,520 |
^Collection of Levy on Insurance Premium - The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product brochure are subject to levy.
Examples of Eligible Occupations:
- Class I / Clerical occupation - Professional, administrative and clerical duties without manual work, e.g. accountants, dentists, office workers
- Class II / Non-manual occupation - Other non-manual occupations, e.g. sales representatives, messengers, shop salespersons
Group Enrollment Discount
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2 - 4 members |
10% off |
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5 - 10 members |
15% off |
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11 members or more |
20% off |
Exclusions
- War
- Suicide
- Self injury
- Professional sports
- Employment in police, army, air crew, fire services or security guard service
- Non-scheduled air flights
- Sickness or disease (e.g. infectious diseases)
- Childbirth or pregnancy
- Nuclear weapons
- Radioactive contamination
- Occupation involved any manual work