Family Personal Protector

Give yourself and your family additional protection against accidents no matter what you are doing

Family Personal Protector

Plan Highlights

Tailored Coverage Icon
Tailored Coverage 

For children, adults and the elderly to meet their specific risk exposure

Worldwide Personal Accident Coverage Icon
Worldwide Personal Accident Coverage 

With plan switching available from child to adult and from adult to elderly

Dangerous Sports Coverage Icon
Dangerous Sports Coverage 

With entitlement to 100% of maximum indemnity under the Personal Accident and Medical Expenses sections

Accidental Death or Permanent Disablement Icon
Accidental Death or Permanent Disablement 

Cover up to HK$1,000,000 in case of Accidental Death or Permanent Disablement of you or your family members

Accidental Medical Expenses Icon
Accidental Medical Expenses

Cover Medical Expenses up to HK$20,000 per accident

Personal Liability Protection Icon
Personal Liability Protection

Up to HK$1,000,000 

Plan details


Benefits at a Glance  Maximum Benefits Payable Per Year (HK$)
Child Plan Adult Plan A Adult Plan B Elderly Plan
Age 6 months - 17 18 - 54 18 - 54 55 - 70

Personal Accident

Accidental Death

Compensation is payable in the event of death caused within 12 months of an accident

$300,000 $500,000 $1,000,000 $500,000

Permanent Disablement

Covers permanent disablement arising from an accident 

$300,000 $500,000 $1,000,000 $500,000

Medical Expenses (per accident)

Covers medical, surgical, hospital, nursing home and nursing fees or charges necessarily incurred 

$20,000 $10,000 $20,000 $10,000

Personal Liability 

Covers any claims against you which you are legally liable to pay in the event of your negligence causing third party injury or property damage

$300,000 $500,000 $1,000,000 $500,000

Extra Benefits (For all plans)

No Claim Bonus

Offers a No Claim Bonus if you have not made a claim over the preceding year

10% increment per year on Death Benefit Amount and Permanent Disablement Benefit Amount (up to a maximum of 5 consecutive years)

Major Burns 

Covers 3rd degree burns of the minimum percentage of the surface area of your body as specified in the policy

$150,000 $250,000 $500,000 $150,000

Extra Indemnity for General Holiday

Extra indemnity for injury on general holiday

$25,000 $25,000 $50,000 $25,000

Funeral and Cremation Expenses

Covers the funeral and cremation cost 

$25,000 $25,000 $25,000 $25,000

Trauma Counselling Expenses

Covers the medical fees for the insured person diagnosed to be suffering from post-traumatic stress disorder as a direct result of sustaining bodily injury

$5,000 $5,000 $5,000 $5,000

Bereavement Counselling Expenses

Covers medical fees for immediate family members suffering from depression as a direct result of death of the insured person

$5,000 $5,000 $5,000 $5,000

Physiotherapist, Chiropractor, Bonesetter & Acupuncturist Treatment Expenses

  • Extends medical covers to treatments involving physiotherapist, chiropractor, bonesetter and acupuncturist
(max. one visit per day in total)
(max. one visit per day in total)
(max. one visit per day in total)
(max. one visit per day in total)
  • Physiotherapy and chiropractor treatment
$500 per visit $500 per visit $500 per visit $500 per visit
  • Bonesetter and acupuncturist treatment
$150 per visit $150 per visit $150 per visit $150 per visit

Clothing and Personal Effects Damage Compensation

Covers clothing and personal effects which are damaged in the same accident

$2,000 per accident $2,000 per accident $2,000 per accident $2,000 per accident

Hospital Confinement Allowance

A weekly benefit will be provided for the insured person being confined in hospital for treatment of bodily injury

$500 per week, max. 52 weeks $500 per week, max. 52 weeks $500 per week, max. 52 weeks $500 per week, max. 52 weeks

Extra Benefits (for Child Plan)

Extra Indemnity for Accidents During School Activities

Covers accidents that occur during any school activities, that cause death or permanent disablement of the insured child

$100,000 N/A N/A N/A

Recovery Equipment Expenses

Covers recovery equipment expenses such as crutches or wheelchairs

$10,000 N/A N/A N/A

Parent's Leave Compensation

If the insured child is confined to hospital and one of the parents has taken leave to take care of the insured child

$200 per day, max. 10 days N/A N/A N/A

Extra Benefits (for Adult Plans)

Double Indemnity

Accidental Death Benefit will be doubled if:

  • travelling on public transport or in a private car in the event of accidents, or
  • a victim in a robbery, or
  • a victim in a fire or explosion within the residential building
N/A $500,000 $1,000,000 N/A

Extra Indemnity for Friday, Saturday, Sunday or Eve of General Holiday 

An extra indemnity will be made available if the accident happens on a Friday, Saturday, Sunday, or on the eve of a general holiday

N/A $25,000 $50,000 N/A

Accidental Cosmetic Surgery Expenses

Covers any medically necessary accidental cosmetic surgery

N/A $20,000 per accident $20,000 per accident N/A

Extra Benefits (for Elderly Plan)

Broken Bones

Extra benefit for complete breaking of a bone

N/A N/A N/A $100,000

Prosthesis Expenses

Covers prosthesis expenses in the event of total loss of physical severance or total and permanent loss of any limbs

N/A N/A N/A $10,000
Important Notes:
  1. When the insured person attains the age of 18 years or 55 years upon policy renewal, the coverage will be transferred from Child Plan to Adult Plan A or Plan B or from Adult Plan A or Adult Plan B to Elderly Plan respectively provided the insured person has advised MSIG Insurance (Hong Kong) Limited (”MSIG”) on their occupation and MSIG has agreed to provide cover. The coverage and applicable premium will be changed accordingly.
  2. Age limit for insuring is 6 months up to 70 years old and thereafter MSIG may accept further renewal of the policy at our own discretion.
  3. Permanent Disablement Benefit will be reimbursed according to the percentage of benefit as stated in the Benefit Schedule of the policy.
  4. Parent’s Leave Compensation will be payable to compensate one of the insured person’s parents subject to the presentation of original leave certificate issued by the insured person’s parent’s employer, and that the insured person must be confined to hospital resulting from an accident. No benefit will be payable for the first two days of hospital confinement, or if the insured person’s parent who applies for the claim is a housewife, retired, unemployed, self-employed, or is not under a contract of employment at the time of the accident. Parent’s Leave Compensation only applies to Child Plan.
  5. Major Burns Benefit will be reimbursed in accordance with the percentage of maximum indemnity under the Major Burns table of indemnity as stated in the policy subject to policy wordings.
  6. Broken Bones Benefit (for Elderly Plan) will be reimbursed in accordance with the percentage of maximum indemnity under the Broken Bones table of indemnity as stated in the policy subject to policy wordings.

In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.


Annual Premium (HK$)
Child Plan
Adult Plan A
Adult Plan B
Elderly Plan
Examples of insurable occupations:
  • Professional, administrative and clerical duties without manual work, e.g. accountants, dentists, office workers
  • Other non-manual occupations, e.g. sales representatives, messengers, shop salespersons


  1. War
  2. Suicide
  3. Self injury
  4. Professional sports
  5. Employment in police, army, fire services or security guard service
  6. Non-scheduled air flights
  7. Sickness or disease (e.g. infectious diseases)
  8. Childbirth or pregnancy
  9. Nuclear weapons
  10. Radioactive contamination
  11. Occupation involved any manual work