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Insurance & MPF > General Insurance > Personal Accident Insurance
Personal Accident Insurance Plan
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The Plan comes with an all-inclusive shield against personal accidents, covering death or permanent total disablement caused by accidents, as well as accidental medical expenses, including Chinese bonesetting. Furthermore, worldwide personal liability coverage is in place to protect the Insured Person against his/her civil liability arising from the bodily injury to third party or loss of or damage to third party’s property. Also available is a no-claims cash refund benefit.

Remark: Please refer to the policy for detailed terms and conditions and exclusions.

Key Coverage Highlights
  • Global coverage against death or permanent total disablement caused by accidents, with a maximum limit of HKD2,000,000 in the event of the Insured Person travelling as a passenger in a common carrier or a private car
  • Reimbursement of medical expenses, including surgical and hospital expenses, as well as medical expenses for Chinese bonesetting, for injuries caused by accidents
  • Protection against civil liability for injury to third party or loss of or damage to third party’s property, with a maximum limit of HKD500,000
  • Monthly premium as low as HKD65, plus an up to 15% premium discount for online enrolment and a one-month premium waiver for the first policy year
  • Cash refund equal to 30% of the total paid premium payable for those with no-claims record over five consecutive years
Remark: Please refer to the policy for detailed terms and conditions and exclusions.
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Hotline Information
Application Enquiry Hotline:
  • Life Insurance: (852) 2198 7838
  • Refundable Life Insurance: (852) 2998 8080
  • General Insurance: (852) 2998 9888
  • Medical Insurance (Bupa): (852) 2998 9886

Insurance Service Hotline:
  • Life Insurance: (852) 2596 6262
  • Travelsure, Home Care & other General Insurance (QBE): (852) 2828 3138
  • Medical Insurance (Bupa - Essential): (852) 2517 5588
  • Medical Insurance (Bupa - Excel / Excel Plus / Global Supreme): (852) 2517 5688
  • Medical Insurance (Bupa – Global Infinite): (852) 2531 8507

Important Notes

The above general insurance plan ("Plan") is underwritten by QBE General Insurance (Hong Kong) Limited which is authorised and regulated in Hong Kong by the Insurance Authority. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agent authorised by QBE General Insurance (Hong Kong) Limited for the distribution of this Plan. Premiums will be payable to QBE General Insurance (Hong Kong) Limited upon application of this Plan. QBE General Insurance (Hong Kong) Limited would provide Hang Seng Bank commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.

 

In respect of an eligible dispute arising between the Hang Seng Bank Limited and the customer out of the selling process or processing of the related transaction, Hang Seng Bank Limited is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between QBE General Insurance (Hong Kong) Limited and the customer.