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$) |
|
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Junior Plan (6mth – 23 yrs)1 | 98 | 78 |
Adult Plan (18 – 65 yrs)2 | 148 | 128 |
Elderly Plan (66 – 75 yrs)2,3 | 248 | 208 |
The above information is provided by Zurich Insurance Company Ltd.
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1. Personal Accident Coverage
Sum Insured / Limit of Liability (HK$) 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 |
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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 |
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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.