Personal Accident Cover

HKCSS VEB Personal Accident Cover

You cannot predict when accidents may happen but you can control the financial implications with personal accident insurance.

Protect yourself and your family against the financial strain should you suffer from an accident. Whether you are young or planning for retirement, we provide you with comprehensive coverage, including coverage for accidental death, total disablement and accidental medical expenses.

With premiums starting from HK$27 each month, get a lot of coverage for a little premium.

Key Highlights*

Accidental death and disablement benefit

Accidental Death & Disablement Benefit

✔ Up to HK$1.4 million coverage
✔ A lump sum to be paid in the event of an accident causing death, a permanent disability or disablement within 12 months of occurrence.
✔ Allows you and your family to use the payment to cover loss of income, mortgage, rent, medical expenses or other financial needs

Accidental medical benefit

Accidental Medical Benefit

✔ Up to HK$21,000 coverage
✔ Reimburse outpatient, specialist, hospitalization expenses, surgical expenses, Chinese bone-setting and acupuncture expenses
✔ Chinese bone-setting and acupuncture expenses can be reimbursed up to HK$1,500 per accident and HK$3,000 per policy year

Cover different types of accidents

Coverage for different types of accidents#

✔ Daily accidents such as sprains, household accidents, robbery, car crash, etc.
✔ Accidents arising from amateur sports, for example, diving, marathon, ball games, etc.
✔ Traffic accidents caused on public transport
✔ Natural disasters

3 levels of coverage for personal accident insurance

Flexible choice of coverage levels

✔ Want to customize your coverage? We provide 7 coverage levels from basic to supreme to suit different needs.

*The above information is for reference only. For the full benefit table, please refer to our policy wording ( personal accident / daily hospital income cover / critical illness / senior care protection plan / optional CIS cover / optional China Assist Card Service).

Plan Coverage*

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 information is for reference only. For the full benefit table, please refer to our policy wording (Personal Accident Coverage/ Daily Hospital Income Cover / Critical Illness ) or click Buy Now.

7 Coverage Levels Available

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These Covers Might Be Perfect For You

Daily Hospital Income Cover

Add-on this cover from as little as HK$23 extra premium per month
Daily hospital cash benefit up to 365 days when hospitalized
Double up your daily hospital cash if you're confined to an intensive care unit
Extra long-term hospitalization benefit from the 31st day of hospitalization

Critical Illness Cover

Add-on this cover from as little as HK$24 extra premium per month
Covers for 47 different critical illnessesA lump sum will be paid in event of diagnosis
100% of the sum assured will be paid on most of the critical illnesses covered*

^{*This is for reference only. For details of coverage, terms, conditions and exclusions, please refer to the policy wording.}

Tailor Your Own Plan!

All-round protection

Against accident and hospitalization

Safeguard for serious conditions

Easy to claim

In the event of loss, written notice of claim should be given to us within thirty (30) days of the occurrence or in the event of a death claim immediately where practicable. Our claim process summary is set out below:

Fill the claim form

Prepare required supporting documents / proof

Submit claim form and supporting documents in 30 days*

Review Claims & Approval

Claims Settlement

FAQ

Insured and spouse: Aged 18 – 65 (you can renew policy till age 69);

All unmarried and unemployed children): Aged 6 months – 21 (policy renewable till age 25 for full-time students)

Optional Senior Care Protection Plan

Aged 45 – 75 (you can renew policy till age 85)

Voluntary Employee Benefit Program provides a lump sum cash payment if you suffer an accident that leads to death, disability or dismemberment. The compensation can be used at your choice to pay for your treatments, provide financial support during recovery, or 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.

Voluntary Employee Benefit Program is a flexible and affordable insurance product. You pay the premium monthly, instead of on a yearly basis.

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.

Yes, our cover is 24-hour worldwide.

Downloads

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).

Next Steps

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Personal Accident Insurance Hotline

3666 7019

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HKCSS VEB Personal Accident Cover