#For the full benefit table, please refer to our policy wordings (Personal Accident Coverage / Optional Greater Bay Area Rider / Daily Hospital Income Cover / Critical Illness Cover) or click Buy Now.
| Core Benefit | Basic Plan | Premier Plan | Prestige Plan |
|---|---|---|---|
| Max. Coverage (HK$) | |||
| Cover 1 - Accidental Death & Disablement Coverage | $600,000 | $800,000 | $1,000,000 |
| Cover 2 - Accidental Medical Expenses (Per Accident) | $9,000 | $12,000 | $15,000 |
| Optional Cover - Double Protection for Accidental Death / Disablement in Greater Bay Area | $600,000 | $800,000 | $1,000,000 |
Personal Accident Cover - Accidental Death & Disablement Benefit
| Coverage | Compensation |
|---|---|
1. Death |
100% |
2. Permanent Total Disablement |
100% |
3. Permanent and Incurable Paralysis of all Limbs |
100% |
4. Permanent Total Loss of Sight of both Eyes |
100% |
5. Permanent Total Loss of Sight of one Eye |
100% |
6. Loss of or the Permanent Total Loss of use of two Limbs |
100% |
7. Loss of or the Permanent Total Loss of use of one Limb |
100% |
8. Loss of Speech and Hearing |
100% |
9. Permanent and Incurable Insanity |
100% |
10. Permanent Total Loss of Hearing in |
|
(a) Both Ears |
75% |
(b) One Ear |
15% |
11. Loss of Speech |
50% |
12. Permanent Total Loss of the Lens of one Eye |
50% |
13. Loss of or the Permanent Total Loss of use of four Fingers and Thumb of |
|
(a) Right Hand |
70% |
(b) Left Hand |
50% |
14. Loss of or the Permanent Total Loss of use of four Fingers of |
|
(a) Right Hand |
40% |
(b) Left Hand |
30% |
15. Loss of or the Permanent Total Loss of use of one thumb of |
|
(a) Both Right Joints |
30% |
(b) One Right Joints |
15% |
(c) Both Left Joints |
20% |
(d) One Left Joint |
10% |
16. Loss of the Permanent Total Loss of use of Fingers |
|
(a) Three Right Joints |
10% |
(b) Two Right Joints |
7.5% |
(c) one Left Joint |
5% |
(d) Three Left Joints |
7.5% |
(e) Two Left Joints |
5% |
(f) One Left Joint |
2% |
Loss of the Permanent Total Loss of use of Toes |
|
(a) All – one Foot |
15% |
(b) Great – both Joints |
5% |
(c) Great – Joint |
3% |
18. Fractured Leg or Patella with established non-union |
10% |
19. Shortening of Leg by at least 5cm |
7.5% |
20. Permanent Disability not otherwise provided for under Events 10 to 19 inclusive. Such percentage of the Principal Sum Insured as AIG Hong Kong shall in its absolute discretion determine and being in its opinion not inconsistent with the Compensation provided under Events 10 to 19 inclusive. |
Note: The Right/Left benefits shown above will be reserved in the case of a left-handed insured person.
*The above information is for reference only. For the full benefit table, please refer to our policy wording or click Buy Now.
1
Fill the claim form
2
Prepare required supporting documents / proof
3
Submit claim form and supporting documents in 30 days
4
Review Claims & Approval
5
Claims Settlement
Anyone aged between 18 – 55 is eligible to purchase.
Personal Accident Insurance provides a lump sum cash payment if you encounter accident and cause to death, disability and dismemberment. The compensation can be used upon your choice to pay for your treatments, provide financial support during recovery, and help your family. This product also provides accidental medical expenses benefit which reimburses you for the injury sustained through an accident.
You will not be covered under this insurance if your job or the nature of your job is one of the following excluded classes: blaster, jockey, detective, stuntman, stevedore, fisherman, driver (cross-border between Hong Kong and Mainland China), test pilot, circus trainer, aerial worker, caisson worker, lift technician, building wrecker, driller-underground, wild animal trainer, secret service agent, container crane operator, construction site worker, dynamite/explosive operator and government/state disciplinary forces.
This is a flexible and affordable insurance product. You pay the premium monthly, instead of on a yearly basis.
Cover is provided up to the age of 65 years old.
Making a claim is easy. You only need to fill the claim form and submit it along with required documents within 30 days following an incident. We will review and settle your case as soon as we can.
We cover for 47 different serious illnesses. You can see our full list of coverage here.
The above is for reference only and does not form part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency. AIG Insurance Hong Kong Ltd. reserves right of final approval and decision.
(The English version shall prevail in case of inconsistency between the English and Chinese versions).
