iSafe Accident Insurance

¹ Family Plan is only applicable to a legally married couple and their child(ren) from 6 months to 17 years of age.
² Accidental Death Benefit will be doubled if the accident happened whilst travelling on a public transport conveyance as a fare-paying
passenger anywhere other than in the Greater Bay Area.
³ Accidental Death Benefit will be tripled if the accident happened whilst travelling on a public transport conveyance as a fare-paying passenger anywhere in the Greater Bay Area.

Important Notes:

1. Any pre-existing conditions shall be excluded from the policy.
2. Insured Person(s) must be between 18 and 59 years of age (both inclusive) as parents and between 6 months and 17 years of age
   (both inclusive) as child(ren) under the Family Plan; between 18 and 59 years of age (both inclusive) under Adult Plan A or B. The policy may be renewed from year to year by mutual agreement between you and MSIG Insurance (Hong Kong) Limited (“the Company”) but in any case shall terminate at the end of the period of insurance during which the Insured Person attains the age of 60. Thereafter, the Company may accept further renewal of the policy at its own discretion.
3. If you are insured under a Family Plan, the maximum amount we will pay for all Insured Persons below 18 years of age under the Death Benefit, Permanent Disablement Benefit and Extra Benefits of Double Indemnity/Triple Indemnity is limited to HK$500,000 for the Period of Insurance.
4. If you are insured under a Family Plan, the maximum amount we will pay for all Insured Persons below 18 years of age under the Medical Expenses Benefit is limited to HK$10,000 for the Period of Insurance.
5. The Guangdong-Hong Kong-Macao Greater Bay Area (Greater Bay Area) comprises the two Special Administrative Regions of
   Hong Kong and Macao, and the nine municipalities of Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan,
   Jiangmen and Zhaoqing in Guangdong Province.
6. The policy is applicable only to an Insured Person whose occupation falls under Class I/Clerical occupation (i.e. professional, administrative and clerical duties of an indoor nature and without the involvement of any manual work, such as a lawyer, accountant, teacher, doctor, nurse, etc.) or Class II/Non-manual work occupation (i.e. involving non-manual work other than those included in Class I/Clerical occupation, working either indoor or outdoor, such as an indoor or outdoor sales representative, social worker, etc.)
7. The policy does not cover the Insured Person at any time during the existence of the policy engaging in Occupation Class III /
   Slight-Manual Work occupation (unless not involving the use of machinery or an engine), Occupation Class IV / Manual Work occupation or any of the listed occupations under General Exceptions in the policy. For details, please refer to the policy wording.
8. You must advise the Company in writing as soon as you are aware of any change in the employment, occupation, duties or pursuits of any insured person, or any other change which may increase the possibility of a claim under this Policy. You may be required to pay an additional premium as a result of any such changes.
9. If the Insured Person’s revised occupation falls within the excluded occupations listed under General Exceptions of the policy, then the cover for that Insured Person shall be cancelled as of the date of such change of occupation.
10. The Permanent Disablement Benefit will be reimbursed in accordance with the percentage of maximum indemnity under the
    table of Permanent Disablement Benefit stated in the policy.
11. The Major Burns Benefit will be reimbursed in accordance with the percentage of maximum indemnity under the table of Major Burns Benefit stated in the policy.
12. In the event that a bodily injury results in the death of the Insured Person, the benefits shall be paid to the estate of the Insured Person (default Beneficiary). To designate a beneficiary, please click here to download and complete the Beneficiary Form, then submit it to the Company.