Optional Cover - Senior Care Protection Plan
*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 A | Plan B | |
|---|---|---|
1. Accidental Death and Disablement Benefit |
$150,000 | $300,000 |
2. Accidental Medical Expenses Benefit |
HK$10,000 / policy year (HK$2,000 / accident) | HK$20,000 / policy year (HK$3,000 / accident) |
(a) Medical Expenses |
This benefit reimburses the Insured Person for accident surgical expenses, general medical expenses, including expenses of in / out patient. | This benefit reimburses the Insured Person for accident surgical expenses, general medical expenses, including expenses of in / out patient |
(b) Chinese Bone-setting and Acupuncture (Not exceeding the sum insured of Accidental medical expenses) |
Chinese Bonesetters and Acupuncturists with $180 / visit / day reimbursement, maximum HK$2,000 per accident and maximum HK$4,000 per policy year. | Chinese Bonesetters and Acupuncturists with $180 / visit / day reimbursement, maximum HK$2,000 per accident and maximum HK$4,000 per policy year. |
3. Hospital Income Benefit* |
HK$200 / day | HK$300 / day |
4. Care Assistant Benefit |
HK$2,500 / month (Max. 60 months) | HK$5,000 / month (Max. 60 months) |
5. Broken Bones Benefit |
HK$75,000 | HK$150,000 |
*Note：
• All benefits above will be reduced by 50% for any age over 80.
• For full table of coverage of Accidental Death and Disablement Benefit, please refer to the
table stated under HKCSS VEB Personal Accident Cover.
• Daily Hospital Income Benefit per each hospital confinement is subject to 3 days
waiting period and maximum payment period of 30 days.
• For detailed coverage list of Bone Fracture Benefit please refer to the section below.
Events |
|---|
Fracture of Bones* |
Percentage of Sum Insured |
Hip or Pelvis |
100% |
Thigh or Heel |
50% |
Skull, Collarbone, Lower Leg, Ankle, Arm, Elbow, Wrist |
40% |
Lower Jaw |
30% |
Vertebrae, Shoulder Blade, Knee Cap, Sternum, Hand, Foot |
20% |
Upper Jaw, Cheek Bone, Nose, Ribs, Coccyx, Toes, Fingers |
15% |
*This is for reference only. For details of coverage, terms, conditions and exclusions, please refer to the policy wording.
Fill the claim form
Prepare required supporting documents / proof
Submit claim form and supporting documents in 30 days*
Review Claims & Approval
Claims Settlement
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.
