Accidental

Accidental death and permanent disablement

  • Compensation is payable in the event of death or permanent disablement caused within 12 months of an accident.

  • Permanent disablement includes permanent loss of ability to work at the occupation stated in policy schedule
    or loss of limbs, eyes or sight, fingers, toes, hearing or speech.

Extra coverage
Maximum benefits (HK$)
Accidental death and permanent disablement As requested by insured person
Burns benefit 50% sum insured or $500,000 whichever is the lesser
Burial/ Cremation cost $30,000
Accidents where the insured person is a passenger
of a public common carrier, or is a victim of robbery
or as a result of landslide.
200% sum insured or 100% sum insured + $1,000,000 ,whichever is the lesser.
Accidental medical expenses
Both out-patient and in-patient medical expenses are covered for bodily injury due to an accident
Coverage Maximum benefits (HK$)

In-patient and out-patient medical treatment expenses

As requested by insured person
Chinese medicine bone-setting expenses, Chinese medicine acupuncture expenses, chiropractic expenses and physiotherapy expenses Up to $2000/year in aggregate
Chinese medicine bone-setting expenses,
Chinese medicine acupuncture expenses,
chiropractic expenses
Max. $150/visit/day; 5 visits/ accident
Physiotherapy expenses Max. $500/visit/day; 4 visits/ accident
Weekly income benefit
If you lose your ability to work, you will face financial difficulties. With weekly income benefit coverage,
if there is an income loss due to injury which is caused by a covered accident and results in temporary total disability,
we will pay the insured person a weekly benefit as shown in the schedule for each full consecutive 7 days period
of such disablement up to a maximum of 104 weeks.
.Cover is not available for the first 3 calendar days. Compensation shall be payable from the 4th day that
the insured person is unable to work.
.Cover is not available for persons aged below 18 years, aged 66 years or above, unemployed or retired.
.For the self-employed, 50% discount on the premium is applied. Cover is only available for income loss
while the insured person is in hospital
.To be entitled to this benefit, accidental death and permanent disablement benefits should also be enrolled.
Occupational class
Coverage Class 1 Class 2 Class 3 Class 4
Accidental death & Permanent disablement 0.09% 0.11% 0.18% 0.28%
Accidental medical expenses 2.7% 3.0% 4.9% 6.8%
Weekly income benefit
Occupational class
Accidental death & Permanent disablement $5,000,000 $1,000,000 $500,000
Accidental medical expenses 10% on the total of selected accidental death and permanent disablement sum insured
Weekly income benefit
Occupational class
Coverage Class 1& 2 Class 3 Class 4
Accidental death & Permanent disablement $500,000 $350,000 $250,000
Accidental medical expenses 10,000
Remarks: All the terms, conditions and details of the exclusions are based on the original policy.
Class 1
White collar non-hazardous occupations with office or management duties without manual work. Lawyer, Accountant, Executive, Office clerk, Indoor sales, Teacher Housewife, Student, Doctor
Class 2
Frequent traveling or light manual work occasionally engaged in the use of light machinery or engines Amah, Commercial traveler, Electronic worker, Garment worker, Outdoor sales, Nurse
Class 3
Engaged principally in the use of light machinery or engines. Driver, Electrician, Kitchen staff, Waiter, Printer, Baker, Plumber, Hawker
Class 4
Extra Hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment Delivery worker, Interior decorator, Machine/ Engine repairer, Transportation contractor, Fuel station worker, Bus/ Light bus/ Taxi/ Light goods vehicle/ truck/ tractor driver (within HK territory only)
Note: the classification of occupation is for reference only, please check with Classiest Insurance if the proposer cannot determine his own occupational class.

For insured or for more suggestions, please call 2384 2120 We will contact you as soon as possible.