Personal Accident Insurance
Protect you and your loved ones, and weather financial difficulties when life’s emergencies hit. It offers you financial security when you need it most.
Zurich Safeguard Personal Insurance Plan
Underwritten by Zurich Insurance Company Ltd, this plan reimburses your accidental medical costs and provides accidental hospital cash when you need it most.
Key Benefits
- Success Personal accident coverage up to HK$ 2,000,000
- Success Accidental medical expenses benefit up to HK$30,000 per accident
- Success Accidental daily hospital cash benefit, HK$500 per day, up to 365 days per accident
- Success Chiropractic and physiotherapy coverage. Bonesetter and acupuncture expenses coverage up to HK$4,000 per accident
- Success Refund of premium up to 6 months on employment dismissal
Deluxe PlanMonthly premium (HK$) |
Basic PlanMonthly premium (HK$) |
|
|---|---|---|
| Junior Plan (6mth – 23 yrs)1 | 98 | 78 |
| Adult Plan (18 – 65 yrs)2 | 148 | 128 |
| Elderly Plan (66 – 75 yrs)2,3 | 248 | 208 |
The above information is provided by Zurich Insurance Company Ltd.
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1. Personal Accident Coverage
Sum Insured / Limit of Liability (HK$) Coverage4,5 Plan Deluxe Plan
Basic Plan
In the event of death caused within 12 months of an accident, a lump sum cash benefit will be paid to assist your loved ones through the difficult times. Junior 500,000 250,000 Adult 2,000,000 1,000,000 Elderly 750,000 500,000 -
2. Accidental Medical Expenses
Sum Insured / Limit of Liability (HK$) Coverage4,5 Plan Deluxe Plan
Basic Plan
We will reimburse you both in-patient and out-patient medical expenses incurred as a result of accidental injury. Chiropractic and Physiotherapy expenses are included. Junior 20,000 per accident 10,000 per accident Adult 30,000 per accident 20,000 per accident Elderly 10,000 per accident and up to 50,000 per policy year 10,000 per accident and up to 40,000 per policy year The covered medical costs also include sub-limits of Chinese medicine bone-setting and acupuncture expenses. (HK$500 per accident) Junior Up to 4,000 per policy year Up to 4,000 per policy year Adult Up to 4,000 per policy year Up to 4,000 per policy year Elderly Up to 3,000 per policy year Up to 2,000 per policy year - 3. Broken Bones Benefit
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4. Accidental Daily Hospital Cash
Sum Insured / Limit of Liability (HK$) Coverage4,5 Plan Deluxe Plan
Basic Plan
We will pay you a daily cash benefit for every day while you are confined in the hospital on the recommendation of medical practitioner for more than 12 hours as a result of accident. Junior N/A N/A Adult 500 per day, up to 365 days per accident 500 per day, up to 365 days per accident Elderly N/A N/A -
5. Dismissal Protection
Sum Insured / Limit of Liability (HK$) Coverage4,5 Plan Deluxe Plan
Basic Plan
In case you are dismissed from employment involuntarily, we shall help you through the difficult times by refunding the premium paid for the duration of unemployment for up to 6 months whilst all your protection remains in force.7 Junior N/A N/A Adult Refund of premium up to 6 months Refund of premium up to 6 months Elderly N/A N/A -
6. Zurich Emergency Assistance Services
In the event of accidental injury or illness while you travel abroad (not exceeding 90 days), you can call Zurich 24-hour emergency assistance hotline for the following services:
- Guarantee the medical expenses incurred by you in the hospital of up to HK$39,000.
- Emergency medical evacuation and repatriation of the insured person back to Hong Kong or to the nearest place (unlimited cover).
- Repatriation of mortal remains or local burial in the event of death (unlimited cover).
- Free economy class return airfare for one immediate family member if you are traveling alone, suffering from serious injury or serious sickness and being hospitalized for more than 3 consecutive days overseas.
- 24-hour telephone hotline information and referral services including but not limited to: Pre-trip Information Assistance, Embassy Referral, Medical Service Provider Referral, Overseas Telephone Medical Advice, and Monitoring Medical Condition during Hospitalization.
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7. Compensation Table
Fracture of Bones Event Percentage of Sum Insured 1. Pelvis 100% 2. Heel 50% 3. Skull, Collarbone, Upper Limb, Elbow or Wrist 40% 4. Lower Jaw 30% 5. Vertebrae, Shoulder Blade, Sternum, Hand or Foot 20% 6. Upper Jaw, Cheek Bone, Nose, Ribs, Coccyx, Toes or Fingers 15%
Jargons
| Phrase | Definition |
|---|---|
| Annual Dividend | a yearly payout made to the policyholder, usually on the policy’s anniversary |
| Accidental Daily Hospital Cash | provides a daily payment during hospital stays to cover loss of income or to pay for additional medical expenses |
| Cash Value | the amount of cash you will get back if you cancel a policy early. Also called surrender value or cash surrender value |
| Curtailment of Trip | cutting a trip short |
| Designated Beneficiary | the person you choose to inherit your policy payout |
| Death Benefit | the amount that is paid out to a beneficiary when the policyholder passes away. It could be a yearly amount or a lump-sum payment |
| Dividend | the income paid out to you from the savings part of your life insurance policy. This can be guaranteed or non-guaranteed |
| Dividend Accumulation | an option that allows dividends to build up and earn interest rather than be paid out to the policyholder |
| Face Value/Amount | the amount of money you wish to be covered for. This is also called the 'sum insured’ or 'sum assured' |
| Income | this is paid out to you from the life insurance part of your policy. The payouts are normally set out in advance |
| Income Payment Mode | you can choose the way you get paid your annual income. The choices are level mode (the same amount each year) or increasing mode (payouts increase each year) |
| In Force | the total amount of life insurance issued and outstanding. This amount includes dividends paid |
| Maturity benefit/dividend | the cash you get back at the end of the policy term |
| Premiums | the fee you pay an insurance company for your policy which goes towards your dividend/income payouts |
| Reserve Fund | the cash left in your policy after any payout has been paid |
| Suicide Clause | some life insurance policies will hold back on a claim if the policyholder commits suicide. Other policies may return only the premiums paid in |
| Surrender Value | When you cancel your insurance policy early, you will be paid a set amount only. See also Cash Value |
The Citi 3-Minute Guides
These short simple guides help you understand your financial options and how to make the right choice. See all guides
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Can I purchase this plan for my spouse, child(ren), parents and/or parents-in-law?
You may purchase this plan for your spouse, child(ren), parents and parents-in-law.
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How long is the minimum hospital stay in order to claim for accidental daily hospital cash?
If you are confined in the hospital on the recommendation of medical practitioner for more than 12 hours as a result of accident, you can claim for accidental daily hospital cash.
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Are there any geographical or time restrictions of the plan?
The plan provides 24-hour worldwide personal accident cover for insured persons engaged in non-hazardous, not involving manual work duties, white collar, outdoor duties representing the company, e.g. business representatives or commercial traveler. It is not restricted to any geographical or time limits.
Except for any extra hazardous occupations, the cover is only applicable to non-working hours. Extra hazardous occupations are any occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment. Examples of common extra hazardous occupations include any occupations principally in the use of light machinery or engines (such as electrician, restaurant or fast food or catering worker including but not limited to cook, waiter/waitress and kitchen worker, printer, baker, plumber for household/indoor duties only, hawker, private car driver); or occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment (such as delivery worker, interior decorator, machine/engine repairer/maker, road worker, fuel station worker, bus / light bus / taxi / light goods vehicle / truck / container truck driver); or engage in duty with any armed force or fireman of any country or international authority; or stevedores, loading or unloading of objects on ships, being acrobats, aircrew, ship crew, aerial worker, racing driver, China-Hong Kong cross border driver, demolition workers, stuntman, entertainer, jockey, underground and underwater worker, explosive worker, construction worker, worker at height including but not limited to scaffolding worker, circus trainer, detective, newspaper-war correspondent, wild animal trainer.
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If I have already purchased multiple accident insurance policies from Zurich or another insurance company, how is the compensation of Zurich Safeguard Personal Insurance Plan calculated?
When a claim occurs, if there is any other personal accident policy covering any benefits similar to SafeGuard Personal Insurance Plan (except as provided by Section 1- Personal Accident and Section 4 - Accidental Daily Hospital Cash), Zurich will be liable for the shortfall of the amount not recoverable from such other source.
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Can I claim for both "Accidental Medical Expenses" and "Accidental Daily Hospital Cash" for hospitalization due to accident?
(Adult Plan) Yes. For hospitalization as a result of accident, the insured person can claim for up to HK$30,000(Deluxe Plan) or HK$20,000(Basic Plan) medical costs per accident and up to HK$500 accidental daily hospital cash at the same time.
Remark: "Accidental Daily Hospital Cash" is not covered under Junior Plan and Elderly Plan.
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Remarks
- In order to purchase for a Junior Plan, the Insured person must be between the ages of 6 months and 17 years or an unmarried full-time student between the ages of 18 and 23 years; the policyholder must be the parent of the insured person.
- Any Policyholder can purchase for himself/herself, his/her spouse, child(ren), parents and/or parents-in-law under an individual or a family policy.
- The policy is renewable up to aged 80 years.
- When a claim occurs, if there is any other policy covering any benefits insured by this policy (except as provided by Section 1 - Personal Accident and Section 4 - Accidental Daily Hospital Cash), Zurich Insurance Company Ltd ("Zurich") will be liable only for our proportionate share.
- This policy excludes the time when the insured person is engaging in duty for any occupation principally in the use of light machinery or engines and any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment. Please contact Zurich if the proposer cannot determine his/her own occupational class.
- Depending on the type of bone broken as a result of an accident, a specific percentage is applied to the sum insured according to the following compensation table. If more than one broken bone benefit is applicable arising out of the same accident, only the applicable benefit with the highest compensation will be paid.
- The insured person must be unemployed for at least 30 consecutive days after dismissal in order to obtain refund of the premium paid for this policy. The cover shall cease when (i) the insured person returns to work or (ii) the premium has been refunded for 6 months for any policy year, whichever first occurs.
- Zurich Insurance Company Ltd reserves the right to revise or adjust the premium.
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Major Exclusions
General Exclusions (Applicable to all sections):
This policy does not cover death, injury, sickness or loss directly or indirectly caused by, resulting from or in connection with any of the following:
- The time when the insured person is engaged in duty for the following occupations:
- any occupations principally in the use of light machinery or engines (such as electrician, restaurant or fast food or catering worker including but not limited to cook, waiter/waitress and kitchen worker, printer, baker, plumber for household/indoor duties only, hawker, private car driver); or
- any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment (such as delivery worker, interior decorator, machine/engine repairer/maker, road worker, fuel station worker, bus / light bus / taxi / lightgoods vehicle / truck / container truck driver); or
- engage in duty with any armed force of any country or international authority; fireman or
- stevedores, loading or unloading of objects on ships, being acrobats, aircrew, ship crew, aerial worker, racing driver, China-Hong Kong cross border driver, demolition workers, stuntman, entertainer, jockey, underground and underwater worker, explosive worker, construction worker, worker at height including but not limited to scaffolding worker, circus trainer, detective, newspaper-war correspondent, wild animal trainer.
- Any pre-existing condition; congenital deformities or anomalies.
- Any kind of disease; or any loss caused by an injury which is a consequence of any kind of disease.
- General check-up, convalescence, custodial or rest care or sanitaria care, or expenses incurred not in accordance with the diagnosis and treatment of the condition for which the confinement is required.
- Cosmetic surgery, procurement or use of special braces, appliances or equipment except for it is reasonably caused by an accident.
- Participating in criminal acts.
- Riding or driving in any kind of motor racing, or engaging in a sport in a professional capacity or where the insured person would or could earn income or remuneration from engaging in such sport.
- Air travel other than as a passenger on a regular scheduled airline or licensed chartered aircraft.
- Suicide, attempted suicide or intentional self-injury, insanity, mental disorder of any kind, psychosis, stress or depression, whilst under the influence of alcohol or drugs, any kind of illness, childbirth, pregnancy, miscarriage, and Acute Mountain Sickness.
- War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power.
- Any injury, illness, death, loss, expense or other liability attributable to HIV (Human Immune Deficiency Virus) and/or HIV-related illness including AIDS and/or any mutant derivative or variations thereof however caused or however named.
- Any injury or sickness or disease directly or indirectly arising from:
- ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;
- the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component.
- Disease or sickness arising from asbestos.
Exclusions to Section 4
This section does not cover:
- Hospital confinement for the purpose of convalescent or rest cure or rehabilitation; custodial or sanitaria care.
- Any home leave while the insured person is confined to a hospital as an in-patient.
Exclusions to Section 5
This section does not cover:
- The insured person's termination of employment was due to wilful misconduct or retirement.
- The dismissal is due to the seasonal nature of the insured person's employment, a project or specific period of employment is completed.
- The insured person voluntarily resigns.
- The insured person was unemployed on or immediately prior to the commencement date.
- Any of the insured person's employment that is less than eighteen (18) hours a week or the insured person is unable to claim severance benefit.
- Any of the insured person's employment ends within sixty (60) days of the commencement date.
- Any self-employed persons or if the insured person works for a relative.
- Any construction worker, restaurant or fast food or catering worker including but not limited to cook, waiter/waitress and kitchen worker, container truck or truck driver.
Exclusions applicable to Section 6
No service will be provided or paid under this section:
- When the insured person is located in areas which represent war risks or political conditions such as to make the provision of services under this section impossible or reasonably impracticable.
- For emergency medical evacuation or repatriation of the insured person's mortal remains or other cost which are not approved in advance by us and in writing to and/or not arranged by Zurich Emergency Assistance. This exclusion shall not apply to emergency medical evacuation from remote or primitive areas where Zurich Emergency Assistance cannot be contacted in advance and delay might reasonably be expected to result in loss of life or extreme prejudice to the insured person's prospect.
- When the insured person is residing or travelling outside Hong Kong contrary to the advice of a medical practitioner.
- When the insured person is residing or travelling outside Hong Kong for the purpose of obtaining medical treatment or for rest and recuperation following any prior accident or illness.
- The time when the insured person is engaged in duty for the following occupations:
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Disclaimers
- The above information is for reference only and does not constitute any part of the contract. For full terms and conditions of SafeGuard Personal Insurance Plan ("this Plan"), please refer to the policy document itself.
- Zurich Insurance Company Ltd is the insurance underwriter of this Plan and is solely responsible for all approvals, coverage and compensations of this Plan.
- The above information is provided by Zurich Insurance Company Ltd.
- You are not required to purchase this Plan and you may choose to cover your insurance needs from other sources.
- Zurich Insurance Company Ltd is not a subsidiary or an affiliate of Citibank (Hong Kong) Limited or Citibank, N.A. or Citigroup Inc.
- Zurich Insurance Company Ltd is a company incorporated in Switzerland and its principal place of business in Hong Kong is at 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong.
- Zurich Insurance Company Ltd reserves the final right of approval of this Plan.
- Zurich Insurance Company Ltd is the authorized insurer in Hong Kong and this page is not intended to solicit business outside Hong Kong.
- The life/ general insurance product mentioned above is not offered to individual resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man and United Kingdom. This page is not intended as a recommendation or an offer or solicitation for the purchase or sale of any of the insurance products to such individuals.
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Important Notes
- Citibank (Hong Kong) Limited, being registered with the Insurance Authority as a licensed insurance agency, acts as an appointed licensed insurance agent for Zurich Insurance Company LTD (the "Insurance Company").
- Citibank (Hong Kong) Limited's role is limited to distributing insurance products of the Insurance Company only and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the provision of the products.
- Insurance products are products and obligations of the Insurance Company and not of Citibank (Hong Kong) Limited. Insurance products are not bank deposits or obligations of, or guaranteed or insured by Citibank (Hong Kong) Limited,
Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency. - In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between you and Citibank (Hong Kong) Limited out of the selling process of any insurance product conducted by Citibank (Hong Kong) Limited as agent for Insurance Company or the processing of the related transaction, you may enter into a financial dispute resolution scheme process with Citibank (Hong Kong) Limited in accordance with the applicable rules in Hong Kong. However any dispute over the contractual terms of insurance products should be resolved directly between you and the Insurance Company.
- All insurance applications are subject to Insurance Company's underwriting and acceptance.
- The Insurance Company is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
- Citibank (Hong Kong) Limited will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
- You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
- For any policy service enquiries, please contact the relevant licensed bank staff or the Insurance Company.
- In case of any discrepancy between the English and Chinese versions of this document, the English version shall prevail.
From January 1, 2018, the Insurance Authority (IA) will start collecting a premium levy from policy holders of all new or in-force life insurance policies and general insurance policies. For further information, please visit www.ia.org.hk.
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