| 1. |
Can I apply for "Personal
Accident Insurance Plan"? |
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You can apply for "Personal Accident Insurance
Plan" if you are not engaged in working with
special risks, operating dangerous machine or
working as a member of the disciplinary or military
force. For enquiring whether a specific occupation will be covered,
please click here or contact
our customer representative on 2198-7878 during office hours. |
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| 2. |
Can housewives or retired persons apply for
"Personal Accident Insurance Plan"? |
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Yes, housewives or retired persons aged between
18 and 59 can enrol in the plan. |
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| 3. |
Is there any age limit for the insured? |
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The age of the proposer and spouse must be between
18 and 59. |
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| 4. |
Can students take out "Personal Accident
Insurance Plan"? |
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Except students studying abroad, any students
aged between 18 and 59 with Hong Kong as their
place of permanent residence can apply for "Personal
Accident Insurance Plan". |
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| 5. |
Will the Insured be required to undertake any
medical examination for enrolment in the Plan? |
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No medical check up is needed. |
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| 6. |
Is this insurance plan subject to any regional
and temporal restrictions? |
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The plan provides a daily 24-hour worldwide
coverage for personal accident without any regional
and temporal restrictions. |
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| 7. |
If I am holding policies from two insurance
companies at the same time, can I claim accident
damages under both policies? |
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Yes, provided that you have declared the matter
at the time of taking out the policy or afterwards. |
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| 8. |
Will I continue to enjoy the various protection
benefits if I change my occupation after taking
out "Personal Accident Insurance Plan"
? |
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If there is a change in the nature of your work
(for instance, a non-manual worker becomes a taxi-driver),
you should immediately notify "Hang Seng General Insurance".
The policy will continue to be valid only after
acceptance by "Hang Seng General Insurance". |
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| 9. |
Will compensation be made for injuries incurred
by prolonged participation in a specific sport? |
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No, it is because such injuries are excluded
under the policy. |
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| 10. |
If the Insured dies or becomes disabled from
illness, pregnancy or childbirth or commits suicide
during the term of insurance, will he / she be
covered by the insurance? |
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No, all these items are not covered. |
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| 11. |
What should I do if emergency assistance is
required abroad? |
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You may call our 24-Hour Global Emergency Assistance
Hotline on 2528 0048 for prompt and free assistance
in local medical, legal and travel advice. |
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| 12. |
How can I be entitled to the Cash Refund Privilege? |
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If you do not make a claim for five consecutive
years, you will receive a cash refund equals to
30% of the total paid premium as a bonus. |
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| 13. |
What is "Policy Review Period"? |
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"Policy Review Period" means the Insured
will be entitled to review the policy within 15
days after receipt of the policy. For any reason
he / she is not satisfied, simply return it with
a written notice within 15 days after receipt
of the policy. The policy will be cancelled and
any premium already paid will be refunded if you
have not made a claim. |
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| 14. |
Do I need to arrange policy renewal upon expiry? |
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No, your policy will be automatically renewed
on a yearly basis until you reach the age of 65. |
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| 15. |
Is a death caused by the bites of malaria mosquitoes
an accidental death? |
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It is not an accident as the malaria transmitted
through mosquitoes and pests are caused by virus.
Any disease, even though, contracted accidentally,
is not covered. |
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| 16. |
I have enrolled the "Personal Accident
Insurance Plan" and have been injured in
an accident arising out of and in the course of
my occupation or business, would there be any
benefit covered? |
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If you are not working as white collars or
in occupations without special risks, the 'Occupational
Accident Exclusion' would be endorsed by "Hang
Seng General Insurance". Therefore, it depends on individual
customer's policy to determine whether he/she
is under protection. |
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