Accident Insurance

AccidentSurance Coverage

No Claims Refund

China Hospital Deposit Guarantee Card

Premiums

Major Exclusions

AccidentSurance Coverage

Policy benefits Schedule of coverage and benefits amounts in HKD	Plan 1	Plan 2
Death or permanent total disability for accidents in a common carrier or private car	1,000,000	2,000,000
Death or permanent total disablement or permanent and incurable insanity	500,000	1,000,000
Permanent and incurable paralysis of all limbs or loss of use of one or two limbs	500,000	1,000,000
Permanent total loss of speech and hearing	500,000	1,000,000
Permanent total loss of sight of one or both eyes	500,000	1,000,000
Loss of or the permanent total loss of use of all toes on one foot	75,000	150,000
Loss of or the permanent total loss of use of four fingers and thumb⁺ - Right hand - Left hand ⁺In the event of a relevant loss under the policy, if the insured person can prove, within reason, that he or she is left-handed, the amount of benefit for the right hand and left hand will be transposed.	350,000 250,000	700,000 500,000
Major burns 30% or more of total body surface 50% or more of total facial surface	150,000 75,000	300,000 150,000
Extra benefits Accident medical expenses (in-patient and out-patient) Out-patient treatment limit Chinese bonesetter expenses	10,000 per year 150 per visit 500 per year(max. 100 per visit per day)	20,000 per year 150 per visit 1,000 per year(max. 100 per visit per day)

Note:

Your AccidentSurance policy will be renewed automatically up to the age of 65, regardless of your health.
The coverage for each child who is six months of age or over but under 18 years of age or under 23 years of age and a full-time student is 20% of the sum insured, while the daily and visit limits of the out-patient and Chinese bonesetter treatment are the same as the Insured's.

Premiums

Premium (HK$)	Plan 1		Plan 2
	Monthly	Annual	Monthly	Annual
Self	72	864	140	1,680
Self & spouse	135	1,620	270	3,240
Self & children	100	1,200	200	2,400
Self & family	160	1,920	320	3,840

No Claims Refund

If you don't make a claim for five consecutive years, we will give you back a No Claims Bonus of 30% of all the premiums you've paid, in cash.

China Hospital Deposit Guarantee Card

If you are injured as a result of an accident (such as a traffic accident) in mainland China, you can get admitted into over 400 designated hospitals in mainland China by presenting the China Hospital Deposit Guarantee Card. Immediate in-patient medical treatment can be received without the need to pay the first three days' deposit.

The China Hospital Deposit Guarantee Card will be available to you and your insured family members at no additional cost when your policy has been in-force for four months.

Major Exclusions

War and kindred risks
Duty with disciplinary services or any armed force
Suicide, self-destruction, self-inflicted injury
Engaging in dangerous activities or professional sports
Engaging in aviation other than as a fare-paying passenger
Drunk driving
Any kind of sickness or disease; venereal disease or AIDS
Childbirth or pregnancy
Nuclear weapons, ionisation and radioactivity
Illegal acts
Drug taking
Accidents during working hours for certain occupations (please see Application Form)

NB: The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.
AccidentSurance is underwritten by HSBC Insurance (Asia) Limited which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Insurance (Asia) Limited.
AccidentSurance offered by HSBC Insurance (Asia) Limited is only available for subscription by residents of Hong Kong SAR.