Personal Protector 3.0 (Macau)
Protection, when and where you need it
Plan Highlights
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Double IndemnitySpecified accidental death benefit up to HK$1,000,000 |
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Free Spouse CoverUp to HK$100,000 in Accidental Death and Permanent Disablement Benefit for your spouse |
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No Claim BonusAn extra 10% cover will be added to Accidental Death and Permanent Disablement Benefit at no cost upon renewal for a maximum of 5 years, if no claims are recorded during the insurance period |
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Bonesetter and Acupuncturist Treatment ExpensesUp to HK$150 per visit and HK$1,500 in aggregate |
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Double Indemnity for Medical ExpensesYour cover will automatically double in the event of bodily injury sustained due to a robbery, up to HK$300,000 |
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Hospital Confinement AllowanceHK$500 per week, up to 52 weeks in aggregate |
Plan details
Benefits
| Benefits at a Glance | % of Sum Insured |
|---|---|
Accidental Death²Death benefit of sum insured will be paid in the event of accidental death |
100% of sum insured |
Permanent Disablement²In the event of permanent disablement, the maximum amount to be paid is up to the sum insured, with a range of benefits expressed as a percentage of the sum insured, depending upon the severity of the disablement |
Up to 100% of sum insured |
| Additional Benefit | Maximum Benefits Payable Per Year (HK$) |
Double IndemnityAccidental Death Benefit will be doubled up to a maximum amount of HK$1,000,000 in the event that the accident occurs while |
Up to $1,000,000 |
No Claim BonusIf you do not make a claim over the preceding year, you will get a no claim bonus of 10% added to your Accidental Death & Permanent Disablement Benefits for maximum 5 consecutive years at no charge |
10% increment per year, maximum of 5 years |
Transfer of No Claim BonusIf you currently enjoy a no claim bonus with another insurer, you can still be entitled to the same amount of benefits. |
Covered |
Free Spouse CoverFree Accidental Death and Permanent Disablement Cover for your spouse if your sum insured is not less than HK$1,000,000 |
$100,000 |
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 |
Funeral and Cremation ExpensesCovers the funeral and cremation cost |
Up to $25,000 |
Clothing and Personal Effects Damage CompensationCovers clothing and personal effects which are damaged at the same accident |
Up to $2,000 per accident |
24-Hour Emergency ServicesIt offers immediate help whenever you encounter any difficulty during your overseas trip |
Covered |
| Optional Covers | Maximum Benefits Payable Per Year (HK$) |
Medical ExpensesMedical, surgical, hospital, nursing home and nursing fees or charges necessarily incurred within 12 consecutive months of the happening of the bodily injury |
Sum insured |
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Up to $300,000 |
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$150 per visit, up to $1,500 in aggregate |
Temporary DisablementYou can insure your actual weekly earnings to be paid as weekly benefit if an accident prevents you from engaging in your usual occupation |
Sum insured Up to 104 weeks |
Important Notes:
- Accidental Death & Permanent Disablement Cover is a compulsory benefit.
- This insurance is available for persons aged from 16 up to 70.
- Bonesetter and Acupuncturist Treatment Cover is available for the insured person who has taken out Medical Expenses Cover of not less than HK$10,000.
- Minimum policy premium is HK$500.
- The benefit for Temporary Disablement cannot exceed the proposer’s average weekly earnings.
- Self-employed individuals, housewives, and unemployed persons are not entitled to Temporary Disablement.
- For coverage of Temporary Disablement, only an original sick leave certificate issued by a registered medical practitioner will be recognised. The insured person is required to submit a written confirmation from his/her employer on his/her absence from work due to bodily injury before any compensation is payable under this benefit
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
| Insured Items/Occupation Class | Annual Premium (HK$) | |||
|---|---|---|---|---|
| Class I | Class II | Class III | Class IV | |
| Accidental Death & Permanent Disablement (per HK$10,000) | $9.4 | $10.4 | $18 | $30 |
| Temporary Disablement (per HK$100 per week) | $18 | $22 | $31 | $50 |
| Medical Expenses (per HK$100 per injury) | $2.2 | $2.8 | $4.2 | $6 |
Important Notes:
Example of Occupation Classes:
Class I: Professional, administrative and clerical duties without manual work, e.g. accountants, dentists, office workers
Class II: Other non-manual occupations, e.g. sales representatives, messengers, shop salespersons
Class III: Professionals and occupations involving slight manual work, e.g. chauffeurs
Class IV: Occupations involving manual work, e.g. garment workers, butchers, motor mechanics, interior decorators
Exclusions
- War
- Suicide
- Self injury
- Professional sports
- Employment in police, army, fire services or security guard services
- Non-scheduled air flights
- Sickness or disease (e.g. infectious diseases)
- Childbirth or pregnancy
- Nuclear weapons
- Radioactive contamination