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
|
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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
|
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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.