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Accidental Income Protector

Accidental Income Protector

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Benefit Table
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Major Exclusions

Features

		Accidental Cash Benefit: Up to HK$2,000 Weekly Cash Benefit is payable when the bodily injury suffered by the Insured Person prevents him/her from engaging in his/her work for a maximum period of 104 weeks. The maximum compensation is as high as HK$208,000^.
		Accidental Death Double Benefit: Up to HK$1,500,000 lump sum cash payment for death resulting from accidental bodily injury.
		Accidental Medical Expenses: Up to HK$20,000 Accidental Medical Expenses Coverage from any one accident injury for outpatient treatment and hospitalisation. Accidental Medical Expenses also include physiotherapist, chiropractor, bonesetter and acupuncturist treatment expenses which are covered up to HK$150 per consultation per day and up to HK$1,500 in annual aggregate.
		24-hour Personal Accident Assistance Services: Up to HK$2,000,000 24-hour Worldwide Medical Evacuation and Repatriation of the Insured Person back to Hong Kong in case of accident which happens overseas, upon doctor's recommendation.

	^	Weekly accidental cash benefit is only applicable to Plans 1 & 2 which are eligible to applicants who have stable fixed income only.

Important Notes:

Accident Income Protector is underwritten by MSIG Insurance (Hong Kong Limited) (“MSIG”) which is a general insurer authorized and regulated by the Commissioner of Insurance of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (“SCBHK”) is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information.

The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain terms and conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the terms of the policy, the terms of the policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.

Accidental Income Protector, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant terms and conditions.

For more information please call MSIG Customer Services Hotline on

Benefit Table

Benefits

Maximum Benefit (HK$)

Plan 1¹

Plan 2¹

Plan 3²

Plan 4²

Plan BRO2³

1. Accidental Death Double Indemnity⁴

1,000,000

1,500,000

1,000,000

1,500,000

3,000,000

2. Accidental Death or Permanent Disablement

500,000

750,000

500,000

750,000

150,000

3. Accidental Cash Benefits⁵ (per week)

1,600

2,000

Not Applicable

4. Accidental Medical Expenses⁶ (per accident)

15,000

20,000

15,000

20,000

10,000

5. 24-hour Worldwide Medical Evacuation & Repatriation

2,000,000

Remarks:

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.	The Insured Person is required to submit a sick leave certificate issued by registered medical practitioner and a written confirmation from employer on his/her absence from work due to bodily injury before any compensation is payable under this benefit. 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.
6.	Physiotherapist, chiropractor, bonesetter and acupuncturist treatment expenses are covered up to HK$150 per consultation per day and HK$1,500 in annual aggregate.

Important Notes:

Accidental Income Protector is underwritten by MSIG Insurance (Hong Kong Limited) (“MSIG”) which is a general insurer authorized and regulated by the Commissioner of Insurance of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (“SCBHK”) is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information.

Accidental Income Protector, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant terms and conditions.

Premium

Monthly Premium (HK$)

Plan 1¹

128

Plan 2¹

178

Plan 3²

Plan 4²

128

Plan BRO2³

Remarks:

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).

Important Notes:

Accidental Income Protector, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant terms and conditions.

Major Exclusions

		War, suicide, self-inflicted injuries, any sports in a professional capacity, people employed in a police force, army, fire services or security guard services, sickness, disease, childbirth or pregnancy, nuclear weapons, radioactive contamination.
		Major Occupation Exclusions: This plan does not cover any claim arising from actors, entertainers or stunt persons, air crew, casinos’ or other gambling establishments’ staff, nightclubs’, saunas’ or massage parlours’ staff and police or armed forces personnel.

Important Notes:

Accidental Income Protector, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant terms and conditions.


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