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Accidental Insurance |  |
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- Coverage summary
- Death and Permanent Disability Compensation table
- Premium table
- Occupation categories
- Protection scope
- Major Exclusion
- Important notes
Comprehensive Personal Accident Insurance
Coverage summary
| Coverage Summary | ||||
|---|---|---|---|---|
|
Item |
Coverage |
Maximum Coverage Limit (HKD) |
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|
A |
B |
C |
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|
1 |
Personal Accident Whilst in Public Common Carrier or Private Car Causing Death or Total Permanent Disablement |
$1,000,000 |
$2,000,000 |
$3,000,000 |
|
2 |
Other Accidents Causing Death or Total Permanent Disablement |
$500,000 |
$1,000,000 |
$2,000,000 |
|
3 |
Accidental Medical Expense |
$15,000 |
$30,000 |
$50,000 |
|
4 |
Accidental Bone setting & Acupuncture Medical Expense |
$2,000 |
$3,000 |
$4,000 |
|
5 |
Major Burn Injury |
$150,000 |
$300,000 |
$500,000 |
|
6 |
Weekly Hospital Cash Per Week (Max. 52 weeks) |
|
|
|
|
7 |
Compassionate Death Cash |
$5,000 |
$8,000 |
$10,000 |
|
8 |
24 Hour Worldwide Emergency Assistance Referral Services |
Emergency Evacuation Expense can be deducted from Item 3 |
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Basic Plan : Coverage Including Item Nos. 1 and 2 under Schedule of Benefits
Supreme Plan : Coverage Including Item Nos. 1 to 8 under Schedule of Benefits
Death and Permanent Disability Compensation table
| Compensation Table For Death And Permanent Disablement | ||
|---|---|---|
|
|
% of Principal Sum Insured |
|
|
1 |
Accidental Death |
100% |
|
2 |
Total Permanent Disablement |
100% |
|
3 |
Loss of two limbs, or total and irrecoverable loss of sight of both eyes, or loss of one limb and total and irrecoverable loss of sight of one eye |
100% |
|
4 |
Loss of either one limb or sight of either one eye |
50% |
|
5 |
Loss of Fingers or Toes (on each hand or foot) |
|
|
(a) Loss of four fingers |
40% |
|
|
(b) Loss of thumb (both phalanges) |
25% |
|
|
(c) Loss of thumb (1 phalanx) or index finger (3 phalanges) |
10% |
|
|
(d) Loss of index finger (1 or 2 phalanges), or middle finger (3 phalanges) |
6% |
|
|
(e) Loss of middle finger (1 or 2 phalanges), or ring finger (3 phalanges), or little finger (3 phalanges) |
3% |
|
|
(f) Loss of ring finger (1 or 2 phalanges), or little finger (1 or 2 phalanges) |
1% |
|
|
(g) Loss of toes - all |
15% |
|
|
(h) Loss of toe - great (both phalanges) |
5% |
|
|
(i) Loss of toe - great (1 phalanx) or any other toes (two phalanges) |
2% |
|
|
(j) Loss of toe - any other than great (1 phalanx) |
1% |
|
|
6 |
Deafness, Fracture of Bones |
*** |
Premium table
| Premium Table (HK$) | ||||||
|---|---|---|---|---|---|---|
|
Insured |
||||||
|
Occupation |
Class 1 |
Class 2 |
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|
Coverage Limit |
A |
B |
C |
A |
B |
C |
|
Basic Plan |
$400 |
$700 |
$1,300 |
$600 |
$1,000 |
$1,900 |
|
Supreme Plan |
$800 |
$1,400 |
$2,600 |
$1,100 |
$2,000 |
$3,800 |
|
|
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|
Family Plan |
||||||
|
Occupation |
Class 1 |
Class 2 |
||||
|
Coverage Limit |
A |
B |
C |
A |
B |
C |
|
Basic Plan |
$750 |
$1,300 |
$2,400 |
$950 |
$1,600 |
$3,000 |
|
Supreme Plan |
$1,500 |
$2,600 |
$4,800 |
$1,800 |
$3,200 |
$6,000 |
|
|
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|
Other Optional Cover |
Min Premium |
|||||
|
China Accidental Emergency Medical Ins - Whole China |
$510 |
Each |
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|
China Accidental Emergency Medical Ins - Guangdong Province |
$298 |
Each |
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|
Personal Liability Insurance |
$300 |
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Occupation categories
| Class 1 Occupation Categories |
|---|
|
Professionals, administrative, managerial, clerical duties with non-manual work mainly working in offices such as accountants, administrator, business executives, clerks, dentists, indoor sales, lawyers, medical practitioners, pharmacists, stockbrokers, teachers, clinic nurses etc. |
|
Class 2 Occupation Categories |
|---|
|
Outdoor non-manual work or pure supervisory work (excluding using tools or machinery, working in construction site and working at height) such as outdoor sales, messengers, private car chauffeurs, commercial travelers, hairdressers, shop attendant, hospital nurse, factory foremen or waiters/waitresses etc. |
If Insured Person's occupation is not shown above, please refer insurance company for discretion.
Protection scope
(A) Basic Coverage (Including Item No. 1 and 2 under Schedule of Benefits)
1. Whilst in Common Carrier or Private Car
If the Insured Person shall sustain accidental bodily injury causing death or permanent disablement whilst riding in private car or as a fare paying passenger in common carrier, this insurance shall pay the limit of indemnity according to the extent injury.
2. Other Accidents
If the Insured Person shall sustain accidental bodily injury causing death or permanent disablement due to other accidents, this insurance shall pay the limit of indemnity according to the extent of injury.
(B) Supreme Coverage (Including Item No. 1 and 8 under Schedule of Benefits)
Supreme Coverage shall include Basic Coverage and the following items:
3. Accidental Medical Expenses
This extension covers accidental medical expenses but excludes Chinese Herbalist, Bonesetting and Acupuncture medical expenses.
4. Accidental Bone setting & Acupuncture Medical Expenses
This extension covers accidental Bonesetting and Acupuncture medical expenses.
5. Major Burn Injury
This extension will pay the Limit of indemnity if the Insured Person suffers Third Degree Burns (destruction of the skin to its full depth and damage to the tissues beneath) with burn area is equal to or greater than 10% of the Insured Person's total body surface area. For one accident, the Insured Person shall not be entitled to compensation both under this extension and any Items under Basic Coverage.
6. Weekly Hospitality Cash
If the Insured Person shall be necessarily confined within a Hospital for a period of 7 consecutive days or more, this extension will pay the weekly hospitality cash for each week up to maximum 52 weeks. This Section is not applicable to independent children.
7. Compassionate Death Cash
In the event of the death of Insured Person whether or not caused by accident or sickness, this benefit shall be payable to his/her Beneficiary up to the limit of indemnity.
8. 24 Hour Worldwide Emergency Assistance Referral Services
Anywhere in the world, the Insured can enjoy 24 hour worldwide emergency hotline service, providing emergency assistance referral services, contacts of local doctors, lawyers or translators so as to assist the Insured to resolve problems. For emergency evacuation expense, the Insured Person is entitled to claim such compensation under the limit of medical expense of Item 3 - Accidental Medical Expense Cover.
(C) Optional Covers
1. China Accidental Emergency Medical Insurance (Whole China or Guangdong Province Only)
Please refer to China Accidental Emergency Medical Insurance (The Personal Accident Section under Medical Card is deleted)
2. Personal Liability Insurance
This insurance will indemnity Insured against all sums which the Insured shall become legally liable to pay for compensation in respect of accidental third party bodily injury or property damage occurring solely in his/her personal capacity anywhere within Hong Kong, up to a maximum limit of HK$ 1,000,000 for any one period of insurance. This insurance also indemnifies the Insured's family members under Family Plan.
Major Exclusion
Terrorism, War, Engaged in Military Forces, Police, or Disciplinary Forces, Professional Sports, Suicide, Self-Injury, Pregnancy, Childbirth, Illness, infectious disease or by medical or surgical treatment (other than treatment required on account of an accident covered by this policy), hunting, mountaineering necessitating ropes or guides, skating, parachuting, water skiing, winter sports, diving, racing of any kind or fighting or insanity or being under influence of drugs, alcohol, intoxication, solvent abuse and so on.
Important notes
- This insurance is not applicable for any person residing in Hong Kong less than 180 days within 1 year.
- This insurance is not limited to the number of trips outside Hong Kong but is subject to maximum period of 90 days per trip.
- The Insured can choose Individual Plan or Family Plan. If Family is chosen, this insurance covers the insured's spouse and all dependent children, provided that the details of spouse and all dependent children are declared prior to the effective date.
- The occupation of the Insured and his/her spouse must fall within the definition of the Occupation Class 1 or 2 as defined herein. If the Occupation Classes for the couple are different, the occupation class within higher premium rate will be charged (i.e. Occupation Class 2). In case of any change in occupation, the Insured must notify us immediately for handling, otherwise it may prejudice the rights to claim.
- The age of Insured and his/her spouse must be between 18 and 70, with renewal up to age of 75. Dependant children must be between 1 and 17 years of age but up to 25 year-old unmarried full time student.
- Any Insured Person aged less than 18 years old or over 65 years old can only entitle 20% of original benefits.
- Minimum premium per policy is HK$400.
Governing Law of Policy: Hong Kong Special Administrative Law
For enquiries, please visit any of our branch and sub-branches or call our customer service hotline.
Note:- The above information is supplied by China BOCOM Insurance Co., Ltd. and is for reference only. Please refer to the full wording of the policy provisions published by China BOCOM Insurance Co., Ltd. for detailed terms & conditions and exclusions.
- The insurance plan is underwritten by China BOCOM Insurance Co., Ltd. which is authorized by the Hong Kong Office of the Commissioner of Insurance to provide general insurance business. Bank of Communications Co., Ltd. Hong Kong Branch is an appointed insurance agent of China BOCOM Insurance Co., Ltd.
