Hong Kong – Accident & Health

Accidents are a part of life. You never know when an accident happens whether you and your family members are at home, school, work or travelling. With FamilyGuard Family Personal Accident Insurance, you are protected from the financial consequences of accidents in the event of death, injuries and disablement. It is tailored to provide comprehensive cover, ensuring the financial security and peace of mind for not only you, but also your family.

Product highlights

• Accidental death and permanent disablement up to HK$2,000,000
• Hospital cash up to HK$600 per day
• Accidental medical expenses include Chinese bone-setting and acupuncture treatment
• Special cover for coma, disfigurement and scarring of the face and education fund
• Protection includes terrorism and war whilst overseas travelling interest-free monthly payment with premium as low as HK$64 per month

Flexible, comprehensive family cover
FamilyGuard is an annual insurance that gives you the flexibility to include the cover for your spouse and your dependent children in one policy.

Double indemnity for accidental loss
A double benefit amount up to the total of HK$2,000,000 will be given out in the event of death or permanent disablement due to an accident in a public common carrier or an armed robbery.

Simple flat rates for all occupations
Unlike other accident insurance plans, FamilyGuard charges at rates for all occupations accepted by us. It gives you the convenience in budgeting the premium required for your selected benefit level, yet enjoying the same extensive cover.

Cooling-off period
Our care for customer rights protection allows you to enjoy a cooling-off period of 15 days for free. If you have changed your decision of purchasing this insurance plan, you could choose to terminate your policy within the period and obtain a full refund provided that no claim is incurred.

BodyGuard Personal Accident Insurance is a comprehensive insurance plan providing maximum protection to you and your family. Apart from attractive benefits such as hospitalisation allowance and bonesetters’ fees, enhanced features of major burns and double indemnity in medical expenses reflect the uniqueness of this product. With the choice of annual and monthly premium plans, you can enjoy both financial flexibility and carefree living.

Product highlights

• Terrorism and war whilst overseas travelling cover
• High limit of medical expenses up to HK$250,000
• Extended coverages for food poisoning, drowning and gassing
• Free benefits as double indemnity and third degree burns
• No claim bonus at 10% in compound per year, for a maximum of 5 years (not applicable in the event of terror attack)
• FREE cover for spouse as accidental death and permanent disablement HK$100,000 (for sum insured at HK$1,000,000 or above)
• Simple application procedure (for HK$5,000,000 sum insured or below)

Double indemnity relieves sudden crisis
If permanent injuries or death incurred as a result of any accident in any public common carriers or shark attack, the compensation will be up to 200% of the sum insured on accidental death and permanent disablement or medical expenses. If a fatal accident happened to you while your spouse has passed away, leaving your dependent children all aged at 18 or below, accidental death benefits will then be payable in double.

Extra benefit with major burns
To provide you with a comprehensive protection in case of any mishap, our permanent disablement benefit is tailored with extra benefits covering major burns of third degree.

Loyalty bonus for desirable life
If you did not make any claim in the preceding year, the benefit limit of your accidental death and permanent disablement will be automatically increased by 10% in compound for a maximum of 5 years, meaning your chosen sum insured increases by more than 160% absolutely FREE. We believe this can keep pace with your progressing living standard, and serves as our distinctive benefits for loyal customers.

Extensive cover makes a difference
To provide you and your family the best care, our personal accident insurance extends to cover features such as terrorism, war whilst overseas travelling and food poisoning. We also provide free cover for spouse, medical expense limit up to HK$250,000.

Study Companion Insurance helps you to achieve more and worry less while studying abroad.

Product highlights

Home away from home

• Takes care of your medical expenses so you can focus on your studies, whether it’s flu, pregnancy complications, a serious accident or even mental disorder
• Flies two of your loved ones in to comfort you if you’re hospitalized away from home for more than 3 days

Staying focused in school

• Reimbursement of tuition fees lost as a result of a serious illness or injury
• Helps you stay in school, even if your loved one can no longer cover your tuition*

World adventures

• Compensates you if your belongings get lost or stolen while you’re travelling outside the city of study, or if your transport is delayed
• No exclusion on school-assigned field work as well as part-time jobs where locally permitted

Financial protection for the unexpected

• Personal accident cover if a serious accident occurs
• Personal liability protection if you accidentally hurt someone or accidentally damage their property

*If the policyholder can no longer support the student due to death, permanent total disablement or bankruptcy. Please see the Table of Benefits for full range of coverage.

JourneyGuard Travel Insurance is a comprehensive travel insurance plan that you can count on whilst you are far away from home, be it on holiday or on business. Apart from extensive travel coverage, JourneyGuard protects you from terrorism and war when you are travelling, as well as amateur sports and activities, regardless if it is self-paid or part of a package.

Product highlights

• Terrorism and war cover whilst travelling overseas
• Double indemnity when travelling in a public conveyance
• Cover for popular amateur sports and activities
• New covers include:
  • Loss of frequent flyer points due to trip cancellation
  • Fraudulent use of credit card
  • Emergency purchase of phone charger due to travel delay
  • Cancellation due to insolvency of travel agent
• No excess applies
• 24-hour Worldwide Assistance Service
• Automatic extension up to 10 extra days