Personal Protector 3.0

Protection when and where you need it

Personal Protector 3.0

Plan Highlights

Double Indemnity Icon
Double Indemnity

Specified accidental death benefit up to HK$1,000,000

Free Spouse Cover Icon
Free Spouse Cover

Up to HK$100,000 in Accidental Death and Permanent Disablement Benefit for your spouse

No Claim Bonus Icon
No Claim Bonus

An extra 10% cover will be added to Accidental Death and Permanent Disablement Benefit at no cost upon renewal for a maximum of 5 years, if no claims are recorded during the insurance period 

Bonesetter and Acupuncturist Treatment Expenses Icon
Bonesetter and Acupuncturist Treatment Expenses

Up to HK$150 per visit and HK$1,500 in aggregate

Double Indemnity for Medical Expenses Icon
Double Indemnity for Medical Expenses

Your cover will automatically double in the event of bodily injury sustained due to a robbery, up to HK$300,000

Hospital Confinement Allowance Icon
Hospital Confinement Allowance 

HK$500 per week, up to 52 weeks in aggregate

Plan details


Benefits at a Glance % of Sum Insured

Accidental Death1

Death benefit of sum insured will be paid in the event of accidental death

100% of sum insured

Permanent Disablement2

In the event of permanent disablement, the maximum amount to be paid is up to the sum insured, with a range of benefits expressed as a percentage of the sum insured, depending upon the severity of the disablement

Up to 100% of sum insured

Additional Benefit

Additional Benefit  Maximum Benefits Payable Per Year (HK$)

Double Indemnity

Accidental Death Benefit will be doubled up to a maximum amount of HK$1,000,000 in the event that the accident occurs while

  1. travelling as a fare-paying passenger on board a public conveyance;
  2. being an innocent victim in a robbery, or
  3. being an innocent victim in a fire or an explosion within your residential building
Up to $1,000,000

No Claim Bonus

If you do not make a claim over the preceding year, a no claim bonus of 10% will be added to your Accidental Death & Permanent Disablement Benefits for maximum 5 consecutive years at no charge

10% increment per year, maximum of 5 years

Transfer of No Claim Bonus

If you currently enjoy a no claim bonus with another insurer, you can still be entitled to the same amount of benefits


Free Spouse Cover

Free Accidental Death and Permanent Disablement Cover for your spouse if your sum insured is not less than HK$1,000,000


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

Funeral and Cremation Expenses

Covers the funeral and cremation cost

Up to $25,000

Clothing and Personal Effects Damage Compensation

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

Up to $2,000 per accident

24-Hour Emergency Services

Offers immediate help whenever you encounter any difficulty during your overseas trip


Optional Covers

Optional Covers  Maximum Benefits Payable Per Year (HK$)

Medical Expenses

Medical, surgical, hospital, nursing home and nursing fees or charges necessarily incurred within 12 consecutive months of the bodily injury happening

Sum insured

  • Double Indemnity for bodily injury due to robbery
Up to $300,000
  • Bonesetter and Acupuncturist Treatment3 Cover 
$150 per visit, up to $1,500 in aggregate

Temporary Disablement

Insure up to 80% of your average weekly earnings to be paid as weekly benefit if an accident prevents you entirely from engaging in your usual occupation for up to 104 weeks.

Important Notes:
  1. Accidental Death & Permanent Disablement Cover is a compulsory benefit.
  2. This insurance is available for persons aged from 16 up to 70.
  3. Bonesetter and Acupuncturist Treatment Cover is available for the insured person who has taken out Medical Expenses Cover of not less than HK$10,000.
  4. Minimum policy premium is HK$500.
  5. Self-employed individuals, housewives, and unemployed persons are not entitled to Temporary Disablement Cover.
  6. For coverage of Temporary Disablement, only an original sick leave certificate issued by a registered medical practitioner will be recognised. The insured person is required to submit a written confirmation from his/her employer on his/her absence from work due to bodily injury before any compensation is payable under this benefit.

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.


Insured Items/Occupation Class Annual Premium (HK$)
Class I Class II Class III Class IV
Accidental Death & Permanent Disablement (per HK$10,000) $9.4 $10.4 $18 $30
Temporary Disablement (per HK$100 per week) $18 $22 $31 $50
Medical Expenses (per HK$100 per injury) $2.2 $2.8 $4.2 $6
Important Notes:

Examples of Occupation Classes:
Class I: Professional, administrative and clerical duties without manual work, e.g. accountants, dentists, office workers.
Class II: Other non-manual occupations, e.g. sales representatives, messengers, shop salespersons.
Class III: Professionals and occupations involving slight manual work, e.g. chauffeurs.
Class IV: Occupations involving manual work, e.g. garment workers, butchers, motor mechanics, interior decorators.


  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