Accident happens unexpectedly, which could cause unpredictable losses. You and your family members could face substantial burden of financial losses and medical expenses in the event of an accident occurred. This Comprehensive Personal Accident Insurance offered by CHINA BOCOM INSURANCE aims to provide worldwide protection 24 hours a day 7 days a week for you and your family members against any unforeseeable accident
| A) |
Basic Coverage: |
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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 of 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.
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| B) |
Supreme Coverage (Optional Cover): |
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Supreme Coverage shall include Basic Coverage and the following items:
3. Accidental Medical Expenses
This extension covers accidental medical expenses but excluding 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 areas 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 Item under Basic Coverage.
6. Weekly Hospital 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 hospital 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 expenses, the Insured Person is entitled to claim such compensation under the limit of medical expenses of Item 3 ¡V Accidental Medical Expenses Cover.
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ITEM |
COVERAGE |
MAX. COVERAGE LIMIT
( HKD) |
|
A |
B |
C |
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
(Outpatient Limit $150 /visit/day)
|
$15,000 |
$30,000 |
$50,000 |
4 |
Accidental Bone setting & Acupuncture Medical Expense (Limit $100/visit/day) |
$2,000 |
$3,000 |
$4,000 |
5 |
Major Burn Injury |
$150,000 |
$300,000 |
$500,000 |
6 |
Weekly Hospital Cash
(Max. 52 weeks)
|
Per Week |
$500 |
$1,000 |
$1,500 |
| Max Amt
|
$26,000 |
$52,000 |
$78,000 |
7 |
Compassionate Death Cash |
$5,000 |
$8,000 |
$10,000 |
8 |
24 Hour Worldwide Emergency Assistance Referral Services |
Emergency Evacuation Expenses can be deducted from Item 3 |
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
| A. |
China Accidental Emergency Medical Insurance (Whole China or Guangdong Province Only)
This insurance provide you an emergency medical cover against accident injury whilst you are travelling in mainland China. For more details, please go to
China Accidental Emergency Medical Insurance Section.
|
| B. |
Personal Liability Insurance
This insurance will indemnify 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.
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| INSURED |
Occupation
|
1 |
2 |
Coverage Limit
|
A |
B |
C |
A |
B |
C |
Basic Plan |
$400 |
$700 |
$1,300 |
$600 |
$1,000 |
$,1900 |
Supreme Plan |
$800 |
$1,400 |
$2,600 |
$1,100 |
$2,000 |
$3,800 |
|
FAMILY PLAN |
|
Occupation |
1 |
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 |
| Other Optional Cover |
Min. Premium |
| China Accidental Emergency Medical Ins - Whole China |
$510 |
Each |
| China Accidental Emergency Medical Ins - Guangdong Province |
$298 |
Each |
Personal Liability Insurance |
$300 |
Remark: The above premium does not include IA Levy.
| 1 |
This insurance is not applicable for any person
residing in Hong Kong less than 180 days within 1 year.
|
| 2 |
This insurance does not limit the number of trips outside
Hong Kong but is subject to maximum period of 90 days per trip.
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| 3 |
The Insured can choose Individual Plan or Family Plan. If
Family Plan is chosen, this insurance will cover Insured¡¦s
spouse and all dependent children, provided that the details of
spouse and all dependent children are declared prior to the
effective date.
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| 4 |
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 with 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.
|
| 5 |
The age of Insured and his/her spouse must be between 18
and 70, with renewal up to age of 75. Dependent children must be
between 1 and 17 years of age but up to 25 years old for
unmarried full time student.
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| 6 |
Any Insured Person whose age is less than 18 years old or
over 65 years old can only entitle 20% of original benefits.
|
| 7 |
Minimum premium per policy is HK$400.
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Class 1 Occupation
Professionals, administrative, managerial, clerical duties with non-manual work mainly working in offices such as accountants, administrators, business executives, clerks, dentists, indoor sales, lawyers, medical practitioners, pharmacists, stockbrokers, teachers, clinic nurses etc.
Class 2 Occupation
Outdoor non-manual work or pure supervisory work (exclude 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 nurses, factory foremen or waiters/waitresses etc.
If Insured Person's occupation does not shown above, please refer to the Company for discretion
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. These are highlight of main exclusions. Please refer to the policy wordings for details.
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Extent of injury |
% on Principal Sum Insured |
|
1. |
Accident death |
100% |
|
2. |
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 feet ) |
1% ~ 40% |
|
6. |
Deafness, facture of bones |
Such proportion to be assessed by legally qualified and registered doctor |
If you are interested on this product or have any queries, please feel free to contact us for more details and we shall be glad to help. You may also download
the proposal form from this website.
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PERSONAL INFORMATION COLLECTION |
The information you provide to us is collected to enable us to carry on
insurance business and may be used for the purpose of any insurance or
financial related product or service or any alterations, variation,
cancellation or renewal of them and any claim or analysis of it; and may be
transferred to any of our related companies or any other company carrying on
insurance or reinsurance related business or an intermediary or a claims or
investigation or other service provider providing services relevant to
insurance business or any association or federation of insurance companies
that exists or is formed from time to time.
You have the right to obtain access to and to request correction of any personal information concerning yourself held by China BOCOM Insurance Co., Ltd. Requests for such access can be made to our
Data Protection Officer.
Please refer the "Personal Information Collection Statement" to the "
Terms Of Use" stated at the bottom of this Page.
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