Accident Insurance

Protection so you and your loved ones can flourish

Accident Insurance

Plan Highlights

first_row
Tailored Coverage Icon
Tailored Coverage 

Coverage tailored for children, adults and the elderly 

Accidental Death or Permanent Disablement Icon
Accidental Death or Permanent Disablement 

Cover up to HK$1,000,000 for you or your family members

second_row
Dangerous Sports Coverage Icon
Dangerous Sports Coverage 

Embrace adventures with dangerous sports coverage, including winter sports, horse riding, water skiing and scuba diving

Accidental Medical Expenses Icon
Temporary Disablement 

Cover up to HK$1,000 per week for 52 weeks

third_row
Treatment
Accidental Medical Expenses

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

Mobile protection
Damage of Clothing & Personal effects 

Extend to cover mobile phone up to HK$2,000 per year

Plan details

Benefits

Benefits at a Glance  Maximum Benefits Payable Per Year (HK$)
Child Plan Adult Plan A Adult Plan B Elderly Plan

Personal Accident

Accidental Death

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

Permanent Disablement

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

Temporary Disablement

Limit per week

N/A 500 1,000 N/A
Maximum no. of weeks N/A 52 52 N/A

Medical Expenses

Limit per accident

20,000

10,000

20,000

10,000

Extra Benefits (For all plans)

No Claim Bonus

10% increase in Death Benefit Amount and Permanent Disablement Benefit Amount compounding each year over  a 5-year period

Major Burns 

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

Extra Indemnity for General Holiday

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

Funeral and Cremation Expenses

25,000 25,000 25,000 25,000

Trauma Counselling Expenses

5,000 5,000 5,000 5,000

Bereavement Counselling Expenses

5,000 5,000 5,000 5,000

Physiotherapist, Chiropractor, Bonesetter & Acupuncturist Treatment Expenses

2,500 2,500 2,500 2,500
Limit of visit per accident 5 5 5 5
Limit of visit per day 1 1 1 1

Physiotherapy & Chiropractor Treatment

  • Limit per visit
500 500 500 500

Bonesetter & Acupuncturist Treatment

  • Limit per visit
200 200 200 200

Clothing and Personal Effects Damage Compensation

Limited per accident

2,000 2,000 5,000 2,000

Mobile phone protection* 

  • Limit per year
2,000 2,000 2,000 2,000

Hospital Confinement Allowance

Limit per day

200 200 200 200
Maximum no. of days 182 182 182 182

24-hour Worldwide Assistance Services

Included Included Included Included

Extra Benefits (for Child Plan)

Extra Indemnity for Accidents During School Activities

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

Recovery Equipment Expenses

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

Parent's Leave Compensation

Limit per day

200 N/A N/A N/A
Maximum no. of days 10 N/A N/A N/A

Extra Benefits (for Adult Plan A and Adult Plan B)

Double Indemnity

N/A Up to 500,000 Up to 1,000,000 N/A

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

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

Accidental Cosmetic Surgery Expenses

Limit per accident

N/A 20,000  40,000  N/A

Extra Benefits (for Elderly Plan)

Broken Bones

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

Prosthesis Expenses

N/A N/A N/A 10,000
* Mobile phone protection is not applicable to Insured Person who is aged below 18

 

Important Notes:
  1. When the Insured Person attains the age of 18 years (or 24 years if being full time student) or 61 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”) the occupation and MSIG has agreed to provide cover. The coverage and applicable premium will be changed accordingly.
  2. Age limit of the Insured Person is 6 months to 75 years old.
  3. Permanent Disablement benefit will be reimbursed according to the percentage of benefit as stated in the policy.
  4. Temporary Disablement benefit will be payable subject to the presentation of original leave certificate issued by the Insured Person’s employer, and no benefit will be payable if the Insured Person is a housewife, retired, unemployed, self-employed, or not under contract of employment at the time of accident.
  5. Parent’s Leave Compensation will be payable 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.
  6. Major Burns Benefit will be reimbursed according to the percentage of the Major Burns table of indemnity as stated in the policy.
  7. Broken Bones Benefit (for Elderly plan) will be reimbursed according to the percentage of the Broken Bones table of indemnity as stated in the policy.

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 Table^ (HK$)

Age Child Plan Adult Plan A Adult Plan B Elderly Plan

6 months - 17

1,560

Not Applicable

Not Applicable

Not Applicable

18 - 23 (full-time student only)

1,300

Not Applicable

Not Applicable

Not Applicable

18 - 40

Not Applicable

900

1,780

Not Applicable

41 - 60

Not Applicable

955

1,960

Not Applicable

61 - 70

Not Applicable

Not Applicable

Not Applicable

1,490

71 - 75 (for renewal only)

Not Applicable

Not Applicable

Not Applicable

1,520

 ^Collection of Levy on Insurance Premium - The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product brochure are subject to levy.

 

Examples of Eligible Occupations:
  • Class I / Clerical occupation - Professional, administrative and clerical duties without manual work, e.g. accountants, dentists, office workers
  • Class II / Non-manual occupation - Other non-manual occupations, e.g. sales representatives, messengers, shop salespersons

Group Enrollment Discount

2 - 4 members

10% off

5 - 10 members

15% off

11 members or more

20% off

Exclusions

  1. War
  2. Suicide
  3. Self injury
  4. Professional sports
  5. Employment in police, army, air crew, 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