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Cover for the unexpected

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 400 hospitals in mainland China with the China Hospital Deposit Guarantee Card

Special Offers

You can get 15% off your first year’s premium and 10% off your second year’s premium if you successfully apply for AccidentSurance on or before 30 September 2018 and settle your payment annually.

Successfully apply for HomeSurance, AccidentSurance, and/or MultiTrip TravelSurance on or before 30 September 2018 for a combined annual net premium of HKD1500 to get a Wellcome cash coupon.

Terms and Conditions apply. [Click here for details]


By phone

(852) 2233 3131 (852) 2233 3131

Need to make a claim?

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

Make a claim

Instant quote

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

  • Summary of cover Select to Expand Select to Collapse

    What’s included?

    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

    Get immediate access to treatment for accidental injury at more than 400 hospitals in China without having to pay the first three days’ deposit. We give every insured person a free card after the policy has been in-force for 4 months.

    For more details, refer to our insurance policy wording.

  • Major exclusions Select to Expand Select to Collapse

    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 Select to Expand Select to Collapse

    AccidentSurance Coverage

    AccidentSurance Coverage Table
    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 thumbfootnote1
    • 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.
    Major burns
    30% or more of total body surface
    50% or more of total facial surface
    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.


    • 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 Select to Expand Select to Collapse


    AccidentSurance Premiums Table
    Premium (HK$) Plan 1 Plan 2
    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.

  • Policy documents Select to Expand Select to Collapse

    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

    Accident Insurance Declaration, Terms and Conditions

Manage your policy online

At HSBC, we understand life never stands still. Which is why you can make changes to your policy online anytime.

It's easy to:

  • check or review your policy details
  • change your payment instructions, including your premium payment account, payment method or payment frequency

You can also call our Insurance Service Hotline at (852)2867 8678 (852) 2867 8678.

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 (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.

FirstCare Medical Insurance

Make sure you can get medical help quickly wherever you are with our comprehensive FirstCare medical insurance.

Hospital Cash Insurance

Receive daily cash payments to support you financially if you need to stay in hospital, so that you can focus on your recovery.

An accident is an unexpected, unforeseeable and external event, such as a fall or a car crash, which causes physical injury like a broken limb or torn muscle. A disease or an illness is not classified as an accident.

If you sustain an accidental injury, such as a broken arm, this insurance plan will cover you for any necessary and reasonable expenses incurred for in-hospital and outpatient medical, surgical or nursing treatment, including the costs of medical supplies, ambulance hire or professional home-nursing fees. However, the cost of dental care and treatment is not covered unless such treatment is an emergency and is caused by accidental injury to sound natural teeth.

As sickness is not classified as an accident, the medical expenses incurred cannot be covered under this plan.

The insured person must be resident in Hong Kong at the time of their application. If they subsequently live abroad for a continued period or study overseas, they will still be covered under AccidentSurance.

Yes, supporting staff of the Hong Kong Police Force are covered under the plan during working hours provided that they are carrying out clerical duties. However, if you take up an operational role, you will no longer be covered for any accident incurred at the time of carrying out duties.

You are not required to inform us of any change of occupation. However we advise you to review whether your new job is classified as one of the excluded occupations under the policy exclusion.

You are required to fill in a claim form and submit documentary evidence (at your expense) to support the claim:

  • For claims of accidental death or injury benefits, the claimant has to submit reports such as medical reports, attending physician's report, police reports, death certificate, the coroner's report and other related documents;
  • For claims of medical expenses or Chinese bonesetter expenses, the claimant has to submit full medical evidence, original receipts and other related documents of medical treatment.

No, we will only be liable for the excess of the amount recoverable from another source. However, the cash benefit for accidental death and disability will not be affected by other insurance covers.

End Notes Select to Expand Select to Collapse

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.