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Enjoy up to 15% first-year premium discount and up to HKD200 Gift Voucher upon successful Personal Accident Insurance Plan application.
Get up to HKD1,000,000 lump sum payout to cover any loss of income in the event of a serious accident. [1]
On top of medical expenses, receive up to HKD10,000 for accidental fractured bones to cover extra recovery costs. [1]
The main insured can enroll up to age 69 and renew the policy until 79, ensuring you are covered through every chapter of life.
Get a portion of your paid premiums back, meaning you can enjoy the same cover for less.
Covers pet’s boarding home costs if the main insured is hospitalised due to an accident, so you can rest without worry.
Covers accident-related medical expenses and your legal liability for accidental injury to a third party.
(a) Accidental Death:
(b) Permanent Disablement:
(c) Double Indemnity in Public Common Carrier, Private Car or School Bus:
(a) Accidental Death:
(b) Permanent Disablement:
(c) Double Indemnity in Public Common Carrier, Private Car or School Bus:
HKD 10,000 Per Policy Year
(a) Chinese Bonesetting Expenses:
(b) Chiropractic and Physiotherapy Expenses:
HKD 20,000 Per Policy Year
(a) Chinese Bonesetting Expenses:
(b) Chiropractic and Physiotherapy Expenses:
HKD 300,000 Per Policy Year
HKD 500,000 Per Policy Year
Up to 15 visits per Accidental Injury within 2 months from the discharge date from hospital
Up to 15 visits per Accidental Injury within 2 months from the discharge date from hospital
HKD 50,000 Per Insured Person
HKD 100,000 Per Insured Person
HKD 10,000 Per Insured Person
HKD 20,000 Per Insured Person
HKD 10,000 Per Insured Person
HKD 20,000 Per Insured Person
HKD 5,000 Per Policy Year
HKD 10,000 Per Policy Year
30% no claim premium refund for every 5 consecutive policy years with no claim record
30% no claim premium refund for every 5 consecutive policy years with no claim record
Please note: The information above is for reference only. Please refer to the plan coverage and Policy Wording for details (including relevant exclusions).
Mr Wong (38, office worker) loves hiking, but during a hike he accidentally slipped and seriously injured his right leg.
Before the accident happened
He has enrolled in the "Personal Accident Insurance Plan" Premium Plan 3 months ago
How it happened
While he was out hiking one afternoon, he slipped on the trail and seriously injured his right leg
After the accident
How can this plan help?
Upon a successful claim, he can receive:
The payment was directly credited to his designated bank account through autopay
"Personal Accident Insurance Plan" provides cover for reasonable and necessary Chinese Bonesetting, Chiropractic and Physiotherapy expenses incurred due to accidental injury.
The Chinese Bonesetting Expenses sublimit is HKD500 or HKD1,000 per policy year (depending on plan), with a maximum of HKD100 per visit and one visit per day; the Chiropractic and Physiotherapy Expenses sublimit is HKD1,500 per policy year, with a maximum of HKD300 per visit and one visit per day.
All Benefits shall be subject to the terms and conditions of the Policy. For the details of Benefits, please refer to your Policy for full details of terms, conditions, limits and exclusions.
In the unfortunate event that the insured suffers Permanent Total Disablement as a result of an accident, and the home modification is recommended in writing by a doctor or a practitioner in rehabilitative services, the expenses incurred for reasonably necessary modification to the principal home within one year may be reimbursed under the “Home Modification Allowance" benefit.
All Benefits shall be subject to the terms and conditions of the Policy. For the details of Benefits, please refer to your Policy for full details of terms, conditions, limits and exclusions.
The insured must be eighteen (18) to sixty-nine(69) years old during enrollment, and under the age of eighty (80) years old upon anniversary date of the policy, and must not engage in the following occupations / industries: disciplinary forces or emergency services (disciplinary forces shall include but not be limited to policemen, customs officers, firemen, paramedics, immigration officers/inspectors and correctional service officers/inspectors etc); active armed services or forces; offshore oil and gas rigs; professional sportspersons; diving and related occupations; ship crews; pilots and aircrew; forestry; logging and saw mills; mining and extraction; fishing/aquaculture; construction workers; railway workers; gondola or scaffolder workers; stunt persons; use of explosives; couriers; two wheeler delivery.
No medical examination is required to enroll in this "Personal Accident Insurance Plan".
Yes, housewives or retired persons aged between eighteen(18) to sixty-nine(69) can enroll in this "Personal Accident Insurance Plan".
"Personal Accident Insurance Plan" provides a daily 24-hour worldwide coverage for personal accident without any regional and temporal restrictions. However, applicant must be Hong Kong resident(s) permanently living, working or studying in Hong Kong Special Administrative Region.
All of the items listed above are not covered under this "Personal Accident Insurance Plan".
You may hold policies from two insurance companies at the same time, however, you cannot be covered by more than one "Personal Accident Protection Plan" underwritten by Chubb Insurance Hong Kong Limited at the same time. As for making claims, it depends on the terms and conditions of each policy. Please check with both insurance companies to understand the policy details.
If you do not make a claim for five consecutive policy years, you will receive a cash refund equals to 30% of the total paid premium as refund.
No, your policy will be automatically renewed on the renewal date until you reach the age of 80 (only applicable if premium has been received). If you have any questions, please call Chubb's customer service hotline at (852) 3191 6668.
‘Policy Review Period’ means the Insured will be entitled to review the personal accident insurance policy within 15 days after receipt of the policy. For any reason he / she is not satisfied with the policy, 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 provided that no claim has been made under the policy.
General Insurance Enquiry Hotline
(852) 2998 9888
Service hours: Mon to Fri: 9:00 a.m. to 5:30 p.m. (except public holidays)
Chubb Customer Service Hotline
(852) 3191 6668
Service hours: Mon to Fri: 9:00 a.m. to 5:30 p.m.