Personal Accident Insurance Plan

Successfully apply to enjoy first-year premium discount up to 22%[1]

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

Successfully apply for Personal Accident Plan with yearly premium payment mode  to enjoy an HKD300 HKTVmall e-Gift voucher.

Terms and Conditions apply.
Plan overview

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

Provides all-inclusive shield against personal accidents, up to HKD2,000,000 traffic accident coverage and up to HKD500,000 worldwide personal liability coverage. 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

It 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.

It offers protection in the event of accidents for Death or Permanent disablementPlease refer to the policy for calculation of the benefit amount for permanent total or partial disablement. (total or partial) such as loss of sight, loss of speech, loss of a limb etc.

It provides reimbursement of medical, surgical, hospital, chiropractor[2] and physiotherapy[2] expenses for accidental injury.

It covers the medical expenses of Chinese bone-setting due to accidental injuries.

It 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 accidents

  • 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.  

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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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.