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.
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]
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.
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.
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.
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
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.
30% or more of total body surface
50% or more of total facial surface
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)
|Premium (HK$)||Plan 1||Plan 2|
|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.
AccidentSurance full policy booklet
See the full terms and conditions of your AccidentSurance policy.
At HSBC, we understand life never stands still. Which is why you can make changes to your policy online anytime.
It's easy to:
You can also call our Insurance Service Hotline at (852)2867 8678 (852) 2867 8678.
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.
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:
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.