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Accidental Income Protector
Serious or minor, we'll provide comprehensive accident protection
In everyday life, an accident could be just around the corner and could come at the most unexpected times. You can mitigate the upset this accident has caused you by paying as little as HK$4.3 per day.
While most personal accident insurance plans cater only for fatal accidents, Accidental Income Protector is designed to provide relief against misfortune. The cover includes all medical expenses incurred, including hospital fees, out-patient treatment and weekly cash benefit. Other benefits include:
- Up to HK$750,000 cover for all kinds of accident
- Up to HK$1,500,000 cover for Private Car or Public Transport accidents
- Up to HK$2,000 Weekly Cash Benefit is payable when an accident prevents the Insured Person from engaging in his or her work for a maximum of 104 weeks. The maximum compensation is as high as HK$208,0001.
- Your medical bills will be settled up to HK$20,000 per disability
- 24-hour Personal Accident Assistance Services
Underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG")
Benefits and Premium Table (HK$)
| Plan 11 | Plan 21 | Plan 32 | Plan 42 | Plan BRO23 | |
| Benefits | Maximum Sum Insured (HK$) | ||||
| Accidental Death Double Indemnity4 | $1,000,000 | $1,500,000 | $1,000,000 | $1,500,000 | $300,000 |
| Accidental Death or Permanent Disablement | $500,000 | $750,000 | $500,000 | $750,000 | $150,000 |
| Accidental Cash Benefits (per week)5 | $1,600 | $2,000 | Not Applicable | Not Applicable | |
| Accidental Medical Expenses (per accident) | $15,000 | $20,000 | $15,000 | $20,000 | $10,000 |
| 24-hour Worldwide Medical Evacuation & Repatriation | $2,000,000 | ||||
| Monthly Premium | $128 | $178 | $98 | $128 | $38 |
| Notes: | |
| 1 | Plans 1&2 are not applicable to applicants without stable fixed income, such as housewives and students. |
| 2 | Plans 3&4 are applicable to applicants without stable fixed income, such as housewives and students. |
| 3 | Plan BRO2 is applicable to applicants aged between 6 and 17. These applicants must enroll with their parent(s). |
| 4 | Applicable to any of the following situations resulting in accidental death: traveling as a fare-paying passenger in a public courier, robbery, a fire or explosion within the residential building of the insured person's home. |
| 5 | If the period of sick leave is less than a week, the Accidental Cash Benefit will be paid on a pro-rata basis. However, no Benefit shall be payable for the first 3 days of the sick leave period in respect of any one claim. |
| Remarks: | |
| • | Major Occupation Exclusions: Actors/entertainers/stunt persons, aircrew members, casinos'/other gambling establishments' staff, police/armed forces personnel and nightclubs'/saunas'/massage parlours' staff. |
| • | Physiotherapist, chiropractor, bonesetter and acupuncturist treatment expenses are covered up to HK$150 per consultation per day and HK$1,500 in annual aggregate. |
| • | For details, such as exclusions, declined occupation and terms and conditions applicable to the plan, please refer to the policy. |
Important Notes:
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