Personal Accident Insurance Plan

Terms and Conditions apply. The above general insurance plan is underwritten by QBE General Insurance (Hong Kong) Limited

Plan overview

This plan is underwritten by QBE General Insurance (Hong Kong) Limited.

Personal Accident Insurance Plan (“Personal Accident Insurance”) provides all-inclusive personal accident insurance coverage, including traffic accident coverage, accidental medical and bonesetting benefits, worldwide personal liability coverage etc. 30% no-claims cash refund benefit is also available in the event of no claim being made or arising under this policy for a period of 5 consecutive years.

Only 3 simple steps to apply online – Quote > Apply > Payment

Key features

This Personal Accident Insurance covers death or permanent total disablement caused to the insured in the event of travelling as a passenger in a common carrier or in a private car.

This Personal Accident Insurance offers protection in the event of accidents for Death or Permanent disablementpoint1(total or partial) such as loss of sight, loss of speech, loss of a limb, etc.

This Personal Accident Insurance provides reimbursement of medical, surgical, hospital, chiropractor[2] and physiotherapy[2] expenses for accidental injury.

This Personal Accident Insurance covers the medical expenses of Chinese bone-setting due to accidental injuries.

This Personal Accident Insurance protects against legal liability in the event of the insured's negligence causing third-party bodily injury or property damage.

Remark: This page is only intended as a general summary. Please refer to the English version of the policy for detailed terms and conditions and exclusions.

Coverage overview

Plan A
Plan B
Daily premium as low as 
HKD2.1
HKD4.2
Maximum claim (HKD)

Double benefits

  • In the event of travelling as a passenger in a common carrier or in a private car causing death/permanent total disablement 

1,000,000

2,000,000

Personal accident coverage

  • In the event of accidents causing death/permanent disablement

500,000

1,000,000

Accident medical benefits

  • Reimbursement of medical, surgical, hospital, chiropractor[2] and physiotherapy[2] expenses for accidental injury
10,000
20,000

Chinese bonesetting

  • Covers the medical expenses of Chinese bonesetting due to accidental injuries
500

1,000

Worldwide personal liability

  • Protects against legal liability in the event of the insured's negligence causing third-party bodily injury or property damage
300,000

500,000

*Above information are for reference only, please refer to the Plan Coverage, Terms & Conditions for details.  

Personal Accident Insurance Plan (Upgraded):

  1. 1

    Before the accident

    Mr. Lau has already enrolled in the Personal Accident Insurance Plan (Upgraded)

  2. 2

    Mr. Lau was cleaning up his home

    He accidentally hurt his waist

  3. 3

    Mr. Lau visited a doctor

    He received 8 sessions of physiotherapy treatment

  4. 4

    When the insurance is successfully claimed

    Total compensated amount: HKD8,000.

Personal Accident Insurance Plan

  1. 1

    Before the accident

    Ms. Ha had already enrolled in the Personal Accident Insurance Plan

  2. 2

    Ms. Ha was taking a bus one day

    She stood up from her seat to get ready to get off a bus which suddenly braked to a stop, causing a strain to her waist.

  3. 3

    Ms. Ha visited a doctor

    She received a total of 17 sessions of physiotherapy treatment and 10 sessions of Chinese bonesetting treatments

  4. 4

    When the insurance is successfully claimed

    Total compensated amount: HKD13,540.

Personal Accident Insurance Plan

  1. 1

    Before the accident

    Mr. Cheung has already enrolled in the Personal Accident Insurance Plan

  2. 2

    Mr. Cheung was riding a bike one day

    He accidently hit a lady biker coming in the opposite direction

  3. 3

    After the accident

    • He was only slightly bruised, the lady had to be hospitalised to receive medical treatment for the injuries caused by his negligence
    • She filed a lawsuit against Mr. Cheung and demanded damages
    • Under the verdict of the court, Mr. Cheung was found legally liable
  4. 4

    When the insurance is successfully claimed

    His following losses were substantially offset:

    • Claim against Mr. Cheung from the injured lady for repairs to her damaged bicycle, medical and rehabilitation expenses

Total compensated amount: HKD56,000

FAQs

You can apply for this Personal Accident Insurance 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 QBE General Insurance (Hong Kong) Limited Customer Service Hotline during office hours. (Business Hours: 9:00am to 5:30pm from Monday to Friday; closed Saturdays, Sundays and Public Holidays)

 

Yes, housewives or retired persons aged between 18 and 59 can enrol in this Personal Accident Insurance.

The age of the proposer and spouse must be between 18 and 59.

Except for students studying abroad, any students aged between 18 and 59 and with Hong Kong as their place of permanent residence can apply for this Personal Accident Insurance independently.

The 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.

Yes, provided that you have declared the matter at the time of taking out the policy or afterwards.

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 QBE General Insurance (Hong Kong) Limited. The policy will continue to be valid only after acceptance by QBE General Insurance (Hong Kong) Limited.

You may call the 24-Hour Global Emergency Assistance Hotline on (852) 2537 3896 for prompt and free assistance for local medical, legal and travel advice.

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.

‘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, 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.

No, your policy will be automatically renewed on a yearly basis until you reach the age of 65.

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.

If you are not working as white collars or in occupations without special risks, the 'Occupational Accident Exclusion' would be endorsed by QBE General Insurance (Hong Kong) Limited. Therefore, it depends on individual customer's policy to determine whether he/she is under protection.

Make a claim

Claim procedures

Find details on how to submit your claim and more.

Download form

You can find all the forms and documents here for our insurance products.

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Footnote

Other point(s) to note

  1. Insurance products offered by QBE General Insurance (Hong Kong) Limited are only available for subscription for residents of the HKSAR.
  2. For enquiring whether a specific occupation will be covered, please click here or contact QBE General Insurance (Hong Kong) Limited Customer Service Hotline during office hours.
  3. 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.
  4. 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.

Remark(s)

  1. Based on calculation of yearly payment mode, inclusive of 15% premium discount and one month premium waiver.
  2. Referral letter issued by Registered Medical Practitioner is required.