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Personal Accident Insurance
Personal Accident Insurance Plan Monthly Premium

The Personal Accident Insurance Plan is underwritten by QBE General Insurance (Hong Kong) Limited


  Plan A (HKD) Plan B (HKD)
Proposer Only+ 65 130
Proposer and Spouse+ 120 235
Proposer and All Children 110 210
Proposer and Family* 150 290

+ The Proposer and Spouse must be aged 18 or above but under 60.

* "Proposer and Family" refers to Proposer, his/her spouse and dependant unmarried children aged 6 months to 21 years old and to 23 years old if they are full-time students. Coverage and benefit amount of Proposer's spouse are the same as the Proposer's. Death, disablement, medical benefit amount for each child is half of the Proposer's benefit amount, or up to HKD100,000, whichever is lower.

    • (1) The amount of premium(s) above may slightly differ from the actual premium(s) payable by less than HKD 1.00 due to rounding differences.
    • (2) Levy collected by the Insurance Authority ("IA") has been imposed on relevant policy at the applicable rate and would be remitted in accordance with the prescribed arrangements. For new or renewal policies with inception date in the period from 01-01-2018 to 30-09-2018, QBE will settle the IA levy on customer’s behalf. For the new or renewal policies with inception date commence from 01-10-2018 onward, customers shall bear the IA levy. For further information in relation to the levy payment, please visit or
    • (3) No restriction on the number of children to be insured. If the Proposer has more than one child, just pay one child's premium, the other children will receive the same coverage free.
    • (4) For those insured persons who are students, they are required to attend school locally.
    • (5) The above premium is only applicable to those who work and stay in Hong Kong permanently and they are white collars or their occupations have no special risks.
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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 enrolment 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.