Personal Accident Insurance

Personal Accident Insurance Application

Please complete all required fields!

Choose Insurer & Product

Insurer(*)

Allied World - Bodyguard
MSIG - Personal Protector 3.0
AXA - SmartCare Prime
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Select Benefit Level

Sum Insured for Accidental Death & Permanent Disablement (HK$)(*)

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Weekly Benefit for Temporary Total Disablement (HK$)

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Maximum up to 75% of weekly income

Benefit for Medical Expenses (HK$)

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Occupation(*)

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Premium before levy HK$

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Premium before levy HK$

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Sum Insured & Premium before Levy

Sum Insured: HK$500,000 - Annual Premium: HK$750
Sum Insured: HK$1,000,000 - Annual Premium: HK$1,230
Sum Insured: HK$1,500,000 - Annual Premium: HK$2,160
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Medical Expense Limits: HK$15,000

Medical Expense Limits: HK$30,000

Medical Expense Limits: HK$50,000

Chinese Herbalist, Bonesetter, Acupuncturist: HK$150/day, up to HK$1,000

Chinese Herbalist, Bonesetter, Acupuncturist: HK$150/day, up to HK$2,000

Chinese Herbalist, Bonesetter, Acupuncturist: HK$150/day, up to HK$3,000

Daily Hospital Cash: HK$75/day up to HK$27,375

Daily Hospital Cash: HK$150/day up to HK$54,750

Daily Hospital Cash: HK$450/day up to HK$164,250

Applicant Details

Name(*)

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Email(*)

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HP Number(*)

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Address(*)

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HKID(*)

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Gender(*)

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Date of Birth(*)

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Occupation(*)

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Height(*)

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Weight(*)

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Job Duties(*)

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Industry(*)

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Job Position(*)

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Declarations

I do not have any existing accident insurance.

I have not ever had an application for life or accident insurance declined.

The amount of weekly compensation does not exceed 75% of my average weekly earnings.

My hearing or sight is not in anyway impaired and I do not have any physical defect or infirmity.

There is nothing hazardous about my occupation or pursuits.

I have never made a claim against any insurer in respect of any accidental bodily injury.

I am not involved in any manual or outdoor duties at work

I am not receiving or contemplating any medical attention or surgical treatment or taking any medicine.

I have not suffered from any serious injury or illness

I am not holding any insurance against accident or illness.

I have not made any claim to accident or medical insurance in the past three years.

I have never been refused by accident or medical insurance or subject to special terms and conditions.

I will not stay in Hong Kong less than 180 days in a year

I have never been refused any life or health insurance or subject to special terms and conditions.

I do not have any other accident insurance.

I have not incurred any accidents in the last 5 years.

I do not suffer any infirmity, illness or physical defect.

I Agree(*)

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Please enter details if you do not agree with the above declarations

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Compare the key features below for the plans from Allied World, MSIG and AXA:

Product Name
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	Apply Now
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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