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A comprehensive 24-hour worldwide accident protection from as little as HKD2 per day per person.

Features and benefits

Comprehensive 24-hour worldwide accident protection
Two months FREE coverage when you apply via Business Internet Banking
For all sizes of business (maximum insured persons being 10), including sole-proprietorships
From as little as HKD2 per day per person
Two protection plans to choose from
Instant approval when you apply through Business Internet Banking
Provides double benefits in the event of permanent disability or death resulting from a traffic accident in a common carrier or private car
Covers Chinese bonesetting, acupuncture or physiotherapy plus accidental medical expenses

Coverage and Benefits


Main policy benefits	Benefit Scale A (HKD)	Benefit Scale B (HKD)
Death or permanent total disability caused by an accident in a common carrier or private car	1,000,000	2,000,000
Death or permanent total disability or permanent and incurable insanity	500,000	1,000,000
Permanent and incurable paralysis of all limbs or loss of use of one or two limbs	500,000	1,000,000
Permanent loss of speech and hearing	500,000	1,000,000
Permanent loss of sight in one or both eyes	500,000	1,000,000
Loss of or permanent total loss of use of four fingers and thumb of* - right hand - left hand	350,000 250,000	700,000 500,000
Loss of or permanent total loss of use of all toes on one foot	75,000	150,000
Major burns - either 30% or more of total body surface - or 50% or more of total facial surface	150,000 75,000	300,000 150,000


Other policy benefits	Benefit Scale A (HKD)	Benefit Scale B(HKD)
Accidental medical expenses (in-patient and out-patient) Out-patient treatment limit	10,000 per policy period 150 per visit	20,000 per policy period 150 per visit
Chinese bonesetting or acupuncture or physiotherapy treatment expenses Treatment limit	500 per policy period 100 per visit per day	1,000 per policy period 100 per visit per day
Credit card protection	10,000 per policy period	10,000 per policy period
Accident emergency medical evacuation	50,000 per accident	50,000 per accident
Contribution to funeral expenses	10,000	10,000
Coma benefit	26,000 per accident (500 per full week, maximum 52 weeks)	26,000 per accident (500 per full week, maximum 52 weeks)
Professional counselling costs	5,000 per accident	5,000 per accident

* In the event of a relevant loss under the policy, if the insured person is left-handed and has specifically mentioned this to the company, the amount of benefit for the right hand and left hand will be transposed.

Policy exclusions

All insurance policies contain exclusions. Here is a summary of the main exclusions. For a complete list, please refer to the policy documents.

War, terrorism and related perils
Duty with disciplinary services or armed forces
Suicide, self-destruction or self-inflicted injury
Engaging in dangerous activities or professional sports
Engaging in aviation other than as a fare-paying passenger
Drunk driving
Illegal acts
Drug taking
Any kind of sickness or disease, venereal disease or AIDS
Childbirth or pregnancy
Nuclear weapons, ionisation and radioactivity
Accidents during working hours for certain occupations (please refer to the application form for details)

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Tips for buying insurance

The information provided here is subject to the actual policy wording and that customers should refer to the relevant insurance policy for its terms and conditions. Please click here for full policy schedule (PDF, 220KB).

The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited (“HSBC”) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.