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| Accidental Death & Permanent Disablement |
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In the event of accidental death or permanent disablement occurring within 365 days from the date of bodily injury, a lump sum compensation in accordance with the percentage specified in the Schedule of Benefits specified in the policy will be payable. |
$500,000 |
$1,000,000 |
| Double Indemnity |
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Compensation for accidental death or total permanent disablement will be doubled if the accident happens when the insured person travelling in any private car or as a fare-paying passenger in a common carrier. |
$1,000,000 |
$2,000,000 |
| Major Burns |
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Pay for the compensation to the insured person suffered from a second to third degree burn of body surface arising from accident. (This coverage amount is already included in the sum insured of accidental death and permanent disablement) |
$500,000 |
$1,000,000 |
| Hospital Cash Allowances |
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If the insured person is being confined in a hospital for medical treatment resulting from bodily injury, a daily cash allowance will be paid up to maximum indemnity period of 90 days per accident. |
$500/day |
$1,000/day |
| Accidental Medical Expenses |
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In the event of the insured person requires medical treatment for injuries resulting from an accident, the policy pays the actual necessary and reasonable medical, hospital or surgical expenses incurred, provided that such treatment is received from a registered medical practitioner. |
$10,000
(per accident
/policy year) |
$20,000
(per accident
/policy year) |
| Registered Chinese Medicine Practitioner Medical Expenses |
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Cover medical expenses for treatment by a registered Chinese medicine practitioner due to accidental injury. |
$500 /policy year
$150 /visit /day |
$1,000 /policy year
$150 /visit /day |
| Credit Card Protection* |
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Pay for the unsettled credit card purchases and charges incurred in the event of the insured person suffered accidental death. |
$25,000 |
$60,000 |
| Personal Liability |
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Pay for the legal liability to third party's bodily injury or property damage due to the negligence of the insured person anywhere. |
$500,000 |
$2,000,000 |
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*Not applicable to insured person who is aged between 3 months to 18 or 23 if he or she is a full time student.
#Not applicable to insured person who is a full-time student or retired person.
| Major Exclusions |
| War and allied perils, acts of terrorism, asbestos, internet operation, suicide, pregnancy or childbirth, driving or riding in any kind of race, flying as a crew member, professional sports, underwater activities involving the use of breathing apparatus, intoxication by alcohol, narcotics or drugs not prescribed by a registered medical practitioner, any kind of sickness or disease, venereal disease or AIDS. |
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| The above is not a contract of insurance and is intended only as a general summary of the terms of insurance. The specific details, terms and conditions applicable to this insurance are set out in the Personal Accident Insurance Policy to be issued by QBE Hongkong & Shanghai Insurance Ltd. |
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