AccidentSurance

HSBC HK
Insurance
AccidentSurance

Don’t let an accident get in the way of your plans for your family. With AccidentSurance – our comprehensive accident insurance – you can ensure your family’s financial security whatever happens. Our accident insurance provides a cash lump sum benefit in the case of serious injury through personal accident, as well as paying towards medical expenses relating to an accident.

Key benefits

Choose 2 levels of accident insurance cover to suit your budget and your needs
Up to HKD 2 million cash lump sum benefit if any insured persons are dead or permanent and totally disabled from accidents in private car or common carrier
Get 30% of the premiums you have paid back in cash if you don't claim for 5 consecutive years
Access to over 250 hospitals in mainland China with the China Hospital Deposit Guarantee Card

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Check our prices

By phone

(852) 2233 3131

Need to make a claim?

Claim online anytime. Or claim over the phone or at an HSBC branch.

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Instant quote

Use our calculator to find out how much you’ll pay.

Summary of cover

Cash lump sum

We’ll pay a cash lump sum benefit of up to HKD1,000,000 if any insured persons are permanently total disabled or killed in an accident, and killed in an accident, and up to HKD2,000,000 if it’s an accident involving a car, or public or private transport on which you’re a fare-paying passenger.

Medical expenses

We’ll cover medical expenses up to HKD20,000 per year to help the insured person recover from an accidental injury, which includes in-patient and out-patient treatment (a limit of up to HKD150 per visit is applicable for out-patient treatment). Chinese bonesetter expenses can also be claimed, up to HKD100 per visit and a maximum of HKD1,000 per year.

China Hospital Deposit Guarantee Card [PDF] This link will open in a new window

Present your China Hospital Deposit Guarantee Card to get immediate access to treatment for accidental injury at more than 250 hospitals in China without having to pay deposit.

For more details, refer to our insurance policy wording.

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 thumb¹ Right hand Left hand ¹In 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)

For more details, refer to our insurance policy wording.

Note:

Your AccidentSurance policy will be renewed automatically up to the age of 65, regardless of your health. The premium may change upon renewal.
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 covered for 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.

AccidentSurance Premiums
Premium (HK$)	Plan 1		Plan 2
Premium (HK$)	Monthly	Annual	Monthly	Annual
Self	83	996	161	1,932
Self & spouse	155	1,860	310	3,720
Self & children	115	1,380	230	2,760
Self & family	184	2,208	368	4,416

Note:

The premiums are not guaranteed to remain unchanged and AXA General Insurance Hong Kong Limited reserves the right to vary the premiums of the policy.

Levy collected by the Insurance Authority will be imposed on this policy at the applicable rate. For further information, please visit www.axa.com.hk/ia-levy or contact AXA at (852) 2867 8678.

Cash lump sum

Medical expenses

China Hospital Deposit Guarantee Card [PDF] This link will open in a new window

Present your China Hospital Deposit Guarantee Card to get immediate access to treatment for accidental injury at more than 250 hospitals in China without having to pay deposit.

For more details, refer to our insurance policy wording.

Unfortunately we can’t cover you for:

War and kindred risks
Duty with disciplinary services or any armed force
Nuclear weapons, ionisation and radioactivity
Injuries from dangerous activities or professional sports (such as rock climbing, skiing, ice skating, aqualung diving, bungee jumping, motor cycling or flying, other than as a fare-paying passenger)
Sickness or disease (you’ll need medical cover for this)
Injuries sustained when driving while drunk or any injury sustained under the influence of non-prescribed drugs
Suicide, self-destruction or self-inflicted injuries
Childbirth or pregnancy
Any injury incurred while committing an illegal act
Accidents during working hours for certain occupations (eg engaging in duty with the disciplinary service)

For more details, and a full list of exclusions, refer to our policy document.

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 thumb¹ Right hand Left hand ¹In 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)

For more details, refer to our insurance policy wording.

Note:

Your AccidentSurance policy will be renewed automatically up to the age of 65, regardless of your health. The premium may change upon renewal.
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 covered for 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.

AccidentSurance Premiums
Premium (HK$)	Plan 1		Plan 2
Premium (HK$)	Monthly	Annual	Monthly	Annual
Self	83	996	161	1,932
Self & spouse	155	1,860	310	3,720
Self & children	115	1,380	230	2,760
Self & family	184	2,208	368	4,416

Note:

The premiums are not guaranteed to remain unchanged and AXA General Insurance Hong Kong Limited reserves the right to vary the premiums of the policy.

Levy collected by the Insurance Authority will be imposed on this policy at the applicable rate. For further information, please visit www.axa.com.hk/ia-levy or contact AXA at (852) 2867 8678.

All the information you need in one place

AccidentSurance full policy booklet

See the full terms and conditions of your AccidentSurance policy.

View policy document Download

Accident Insurance Declaration, Terms and Conditions

Manage your policy

Manage your policy online

Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits, coverage, premium due dates and much more at your fingertips.

Log on to Personal Internet Banking About Personal Internet Banking This link will open in a new window

Learn more about managing your policy About Manage your insurance policy

Make a claim

Sometimes life doesn't go according to plan and you'll want to make an insurance claim as soon as possible.

You may submit a claim online anytime or call our claims hotline on (852) 2867 8678 should you require any help.

Express Claims Approval Service for any qualified case for claim amount below HK$5,000 will be processed immediately and claims payment will be approved within 2 working days upon receipt of all required documents as may be required by AXA General Insurance Hong Kong Limited (AXA). Should further information be required, AXA will send a follow up letter to the claimant within 5 working days.

Make a claim

Important information

AccidentSurance declaration

Fees & Charges

Forms and documents

Make a claim

Glossary

Important Information

Frequently asked questions (FAQs)

Please note that AccidentSurance’ coverage may overlap with your other existing protection plans’ coverage or exceed your needs, we suggest you compare AccidentSurance’ coverage with any existing protection plan you have in place to avoid duplication.

General Insurance products are applicable to HSBC accounts and credit card holders only.

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.

The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.

AccidentSurance

Get a quote?

By phone

Need to make a claim?

Summary of cover

What's included?

Major exclusions