iSafe Accident Insurance
Providing comprehensive protection to you and your family against personal accident in Greater Bay Area
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Plan Highlights
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Worldwide Personal Accident CoverCover accidental death or permanent disablement up to HK$1,000,000 test |
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Medical Expenses CoverExtended for treatments that involve physiotherapist, chiropractor, bonesetter or acupuncturist |
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Triple Indemnity on Accidental Death BenefitTriple idemnity on accidental death benefits if travelling on public transport in the event of accidents anywhere in the Greater Bay Area |
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Personal Liability ProtectionUp to HK$1,000,000 |
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Family PlanCover up to 8 children from 6 months to 17 years old in same premium |
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Hospital Confinement AllowanceWeekly benefit up to 52 weeks will be provided for the insured person being confined in hospital for treatment of bodily injury |
Plan details
Benefits
| Benefits at a Glance | Maximum Benefits Payable Per Year (HK$) | |||
|---|---|---|---|---|
| Plans | Adult Plan A | Adult Plan B | Family Plan A | |
| Parents | Child(ren) | |||
| Age Groups (Attained Age) | 18 - 59 | 18 - 59 | 18 - 59 | 6 months - 17 |
Personal Accident |
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Accidental DeathCompensation is payable if the death takes place within 12 months after the accident |
$500,000 | $1,000,000 | $500,000 | Each Child $100,000 All Children $500,000 |
Permanent DisablementCompensation is payable if the disablement has continued for a period of 12 months from the date of accident and will in all probability continue for the remainder of the life |
$500,000 | $1,000,000 | $500,000 | Each Child $100,000 All Children $500,000 |
Double IndemnityAccidental Death Benefit will be doubled if the accident happened whilst travelling on a public transport conveyance as a fare-paying passenger anywhere other than in the Greater Bay Area |
$1,000,000 | $2,000,000 | $1,000,000 | Each Child $200,000 All Children $500,000 |
Triple IndemnityAccidental Death Benefit will be tripled if the accident happened whilst travelling on a public transport conveyance as a fare-paying passenger anywhere in the Greater Bay Area |
Up to $1,000,000 |
Up to $2,000,000 |
Up to $1,000,000 |
Each Child Up to $200,000 All Children $500,000 |
Medical Expenses (per accident)Covers medical, surgical, hospital, nursing home and nursing fees or charges necessarily and reasonably incurred |
$10,000 | $20,000 | $10,000 | Each Child $2,500 All Children $10,000 |
Personal Liability |
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Personal LiabilityCovers any claim against you if you are legally liable to pay as compensation for accidents which happen within Hong Kong and result in third party bodily injury or property damage |
$500,000 | $1,000,000 | $500,000 | All Children $500,000 |
Extra Benefits |
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Major BurnsCovers 3rd degree burns |
$250,000 | $500,000 | $250,000 | $50,000 |
Extra Indemnity for General HolidayExtra indemnity if the bodily injury is suffered during general holiday in Hong Kong |
$25,000 | $50,000 | $25,000 | $25,000 |
Funeral and Cremation ExpensesCovers the funeral and cremation cost incurred in Hong Kong, following the accidental death |
$25,000 | $25,000 | $25,000 | $25,000 |
Trauma Counselling ExpensesCovers the medical fees if the insured person diagnosed to be suffering from post-traumatic stress disorder as a direct result of sustaining bodily injury |
$5,000 | $5,000 | $5,000 | $5,000 |
Bereavement Counselling ExpensesCovers medical fees for immediate family members suffering from depression as a direct result of death of the insured person |
$5,000 | $5,000 | $5,000 | $5,000 |
Physiotherapist, Chiropractor, Bonesetter & Acupuncturist Treatment ExpensesCovers the necessary and reasonable expenses incurred in respect of physiotherapist, chiropractor, bonesetter, or acupuncturist treatments |
$2,500 | $2,500 | $2,500 | $2,500 |
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1. Physiotherapy & chiropractor treatment |
$500 per visit | $500 per visit | $500 per visit | $500 per visit |
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2. Bonesetter & acupuncturist treatment |
$200 per visit | $200 per visit | $200 per visit | $200 per visit |
Clothing and Personal Effects Damage CompensationCovers clothing and personal effects which are damaged in the same accident |
$2,000 per accident | $2,000 per accident | $2,000 per accident | $2,000 per accident |
Hospital Confinement AllowanceA weekly benefit will be provided for the insured person being confined in hospital for treatment of bodily injury |
$500 per week Max. 52 weeks |
$500 per week Max. 52 weeks |
$500 per week Max. 52 weeks |
$500 per week Max. 52 weeks |
Accidental Cosmetic Surgery ExpensesCovers any medically necessary accidental cosmetic surgery |
$20,000 per accident | $20,000 per accident | $20,000 per accident | N/A |
Important Notes:
- Any pre-existing conditions shall be excluded from the policy.
- Insured Person(s) must be between 18 and 59 years of age (both inclusive) as parents and between 6 months and 17 years of age (both inclusive) as child(ren) under the Family Plan; between 18 and 59 years of age (both inclusive) under Plan A or B. The policy may be renewed from year to year by mutual agreement between you and MSIG Insurance (Hong Kong) Limited (“the Company”) but in any case shall terminate at the end of the period of insurance during which the Insured Person attains the age of 60. Thereafter, the Company may accept further renewal of the policy at our own discretion.
- Family Plan is only applicable to a legally married couple and their child(ren) from 6 months to 17 years of age.
- If you are insured under a Family Plan, the maximum amount we will pay for all of Insured Persons below 18 years of age under Death Benefit, Permanent Disablement Benefit and Extra Benefits of Double Indemnity/Triple Indemnity is limited to HK$500,000 for the Period of Insurance.
- If you are insured under a Family Plan, the maximum amount We will pay for all of Insured Persons below 18 years of age under Medical Expenses Benefit is limited to HK$10,000 for the Period of Insurance.
- The Guangdong-Hong Kong-Macao Greater Bay Area (Greater Bay Area) comprises the two Special Administrative Regions of Hong Kong and Macao, and the nine municipalities of Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing in Guangdong Province.
- The policy is applicable only to Insured Person whose occupation falls under Class I/Clerical occupation (i.e. Professional, administrative and clerical duties of an indoor nature and without the involvement of any manual works, such as lawyer, accountant, teacher, doctor, nurse, etc.) or Class II/Non-manual work occupation (i.e. involving non-manual work other than those included in Class I/Clerical occupation, work either indoor or outdoor, such as indoor or outdoor sales representative, social worker, etc.)
- The policy does not cover the Insured Person at any time during the existence of the policy engaging in Occupation Class III / Slight-Manual Work occupation (unless not involving the use of machinery or engine), Occupation Class IV / Manual Work occupation or any of the listed occupations under General Exceptions in the policy. For details, please refer to the policy wording.
- You must advise the Company in writing as soon as You are aware of any change in the employment, occupation, duties or pursuits of any insured person, or any other change which may increase the possibility of a claim under this Policy. You may be required to pay additional premium as a result of any such changes.
- If the Insured Person’s revised occupation falls within the excluded occupations listed under General Exceptions of the policy, then the cover for that Insured Person shall be cancelled as from the date of such change of occupation.
- Permanent Disablement Benefit will be reimbursed in accordance with the percentage of maximum indemnity under the table of Permanent Disablement Benefit stated in the policy.
- Major Burns Benefit will be reimbursed in accordance with the percentage of maximum indemnity under the table of Major Burns Benefits stated in the policy.
- In the event of the bodily injury results in death of the Insured Person, the benefits shall be paid to the estate of the Insured Person (default Beneficiary). For the designation of Beneficiary, please complete the Beneficiary Form, click here or download from msig.com.hk, and submit it to the Company.
- Collection of Levy on Insurance Premium: 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 website are subject to levy. For further information, please visit www.ia.org.hk/en/levy.
Premium Table
Plans |
Adult Plan A | Adult Plan B | Family Plan A* | |||
|---|---|---|---|---|---|---|
Annual Premium (HK$) |
$1,185 | $2,310 | $3,440 | |||
*Remarks: Family Plan is only applicable to a legally married couple and their child(ren) from 6 months to 17 years of age.
The premium amounts are subject to levy which is collected by the Insurance Authority.
Major Exclusions
- War and terrorism
- Suicide
- Intentional self-inflicted injury
- Professional sports
- Employment in police force, army, fire service or security guard service
- Non-scheduled air flights
- Sickness or disease (e.g. infectious diseases)
- Childbirth or pregnancy
- Nuclear weapons
- Radioactive contamination
- Occupations listed under General Exceptions of the Policy
iSafe Accident Insurance is only available for online purchase.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
The above product information is for reference only. For details of coverage, terms, conditions and exclusions, please refer to the policy wording.