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Special notice about Hang Seng Bank’s bancassurance partnership
The insurance partnership between Hang Seng Bank Limited and QBE General Insurance (Hong Kong) Limited (“QBE”) will end on 9 July 2023 and a new partnership with another insurance company will come into effect on 10 July 2023. Stay tuned for the latest updates on Hang Seng Bank Website.
Any policies issued by QBE expiring on or after 9 July 2023 will not be renewed. You can review your insurance coverage before the expiration of policy to make sure you have a timely replacement. View arrangement details
Enjoy 22% first-year premium discount upon successful Personal Accident Insurance Plan application.
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.
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.
| Plan A |
Plan B |
|---|---|
| Daily premium as low as |
|
| HKD2.1 |
HKD4.2 |
| Maximum claim (HKD) | |
Double benefits
|
|
1,000,000 |
2,000,000 |
Personal accident coverage
|
|
500,000 |
1,000,000 |
Accident medical benefits
|
|
| 10,000 |
20,000 |
Chinese bonesetting
|
|
| 500 |
1,000 |
Worldwide personal liability
|
|
| 300,000 |
500,000 |
*Above information are for reference only, please refer to the Plan Coverage, Terms & Conditions for details.
Before the accident
Mr. Lau has already enrolled in the Personal Accident Insurance Plan (Upgraded)
Mr. Lau was cleaning up his home
He accidentally hurt his waist
Mr. Lau visited a doctor
He received 8 sessions of physiotherapy treatment
When the insurance is successfully claimed
Total compensated amount: HKD 8,000
Before the accident
Ms. Ha had already enrolled in the Personal Accident Insurance Plan
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.
Ms. Ha visited a doctor
She received a total of 17 sessions of physiotherapy treatment and 10 sessions of Chinese bonesetting treatments
When the insurance is successfully claimed
Total compensated amount: HKD 13,540
Before the accident
Mr. Cheung has already enrolled in the Personal Accident Insurance Plan
Mr. Cheung was riding a bike one day
He accidently hit a lady biker coming in the opposite direction
After the accident
When the insurance is successfully claimed
His following losses were substantially offset:
Total compensated amount: HKD 56,000
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 70.
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.
No medical check-up is needed.
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.
Sorry, as all these are excluded under this Personal Accident Insurance Plan.
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 80.
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.
You can find all the forms and documents here for our insurance products.