Compare the key features below for the plans from Allied World, MSIG and AXA:
Product Name |
 |
|
 |
Bodyguard |
Personal Protector 3.0 |
SmartCare Prime |
Coverage Age
|
16 - 65
|
16 - 70 |
18 - 65 |
Accidental Death & Permanent Disablement
- See detailed schedules for loss of digits, hearing etc.
|
100% of sum insured will be paid
|
100% of sum insured will be paid
|
100% of sum insured will be paid |
Double benefit paid if:
|
a) accident happens in common carrier b) due to shark attack c) insured and his/her spouse passed away with children aged under 18 (Not applicable in the event of terror attack)
|
a) travelling as a fare-paying passenger on board a public conveyance; b) being an innocent victim in a robbery, or c) being an innocent victim in a fire or an explosion within your residential building. (up to a maximum amount of HK$1,000,000)
|
a) traffic accident whilst riding as a passenger
b) landslide
c) flood
d) explosion
e) fire
|
Major Burns - 3rd Degree
|
25% of Accidental Death & Permanent Dismemberment benefit
|
NA |
Double the medical expenses if the 3rd degree burn is due to an accident |
|
Temporary Total Disablement |
Optional |
Optional |
Not Available |
Weekly income replacement |
Up to 75% of average weekly income subject to a max. of HK$5,000/week for 104 weeks |
The weekly benefit for a period not exceeding 104 weeks. |
NA |
|
Apply Now |
Apply Now |
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Medical Expenses
(for accidents)
|
Optional |
Optional |
Bundled in Plan |
Medical Expenses |
Necessary medical, surgical, hospital, nursing home or massage expenses. Up to 10% of Accidental Death & Permanent Disablement benefit subject to a max. of HK$250,000 |
Reasonable medical, surgical, hospital, nursing home and nursing fees or charges necessarily incurred within 12 consecutive months of the happening of the bodily injury. |
Actual medical expenses within 12 months from the date of accident. |
Hospitalisation Allowance |
If Medical Expenses is insured at HK$10,000 or above:
- HK$200 per day - Max. : HK$2,000 per year (Subject to hospitalisation for more than 3 consecutive days)
|
HK$500 a week, up to a maximum period of 52 weeks |
- HK$75 to HK$450 per day depending on the plan chosen, up to max limit
(Subject to hospitalisation for more than 4 consecutive days, maximum 365 days)
|
Bonesetters’ Fees |
If Medical expenses is insured at HK$10,000 or above: - HK$150 per consultation (Excess: HK$50) - Max. : HK$1,500 per year (Diagnosed by a registered medical practitioner)
|
If Medical expenses is insured at HK$10,000 or above:
- HK$150 per consultation
- Max: $1,500 per year
|
HK$150 per consultation per day for Chinese Herbalist, Bonesetter or Acupuncturist |
Free Spouse Cover |
Free HK$100,000 Accidental Death and Permanent Disablement Cover for your spouse if your sum insured is not less than HK$1,000,000
|
Free HK$100,000 Accidental Death and Permanent Disablement Cover for your spouse if your sum insured is not less than HK$1,000,000 |
NA |
No Claims Bonus |
If you did not make any claim in the preceding year, the benefit limit of your Accidental Death & Permanent Disablement will be automatically increased by 10% in compound for a maximum of 5 years,
|
If you did not make any claim in the preceding year, the benefit limit of your Accidental Death & Permanent Disablement will be automatically increased by 10% in compound for a maximum of 5 years, |
NA |
|
Apply Now |
Apply Now |
Apply Now |
See brochures for full details.
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