Personal Accident Insurance

Give yourself worry free life protection with no medical examinations required

You never know when you might need a helping hand. Personal Accident Insurance provides worldwide around-the-clock Personal Accident coverage to support you through life's tough moments. The coverage can be extended to also protect your spouse and children, and no medical examinations are required.

  • Features
  • Coverage
  • Premiums

Comprehensive coverage

  • Accidental death & permanent disability
  • Major burns
  • Hospital cash allowance
  • Registered Chinese medical practitioner medical expenses
  • Personal liability


Coverage Items Maximum Sum Insured (HKD)
Plan A Plan B#
Accidental Death & Permanent Disablement
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
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
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
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
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
Cover medical expenses for treatment by a registered Chinese medicine practitioner due to accidental injury. 500/policy year
1,000/policy year
Credit Card Protection*
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
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

*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.

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.


Take an additional 20% off if you apply online

Plan Annual Premium (HKD)
Plan A Plan B
Original Original
Individual 706 1,412
Individual and Children * 953 1,906
Individual and Spouse 1,271 2,542
Family # 1,377 2,753

Above premium is only applicable to clerical and non-hazardous occupation

* "Children" refers to all unmarried child(ren) aged 3 months to 18 or 23 if they are full time students.
# "Family" includes the individual, his or her spouse and all their unmarried children.

IA levy collected by the Insurance Authority has been imposed on relevant policy (except for certain exempted insurance classes) at the applicable rate and would be remitted in accordance with the prescribed arrangements. Policy holders / customers should pay the levy in accordance with the law. For further information, please visit or

The above premium is not inclusive of IA levy.

The information contained in this website is a general summary. All terms and conditions are set out in the policy.

This webpage does not constitute advice to buy or an offer with respect to any insurance products. Customers should not apply for any of the insurance policies based on information on this promotional material alone. Customers should read and understand the details of the Insurance Plan(s) (including but not limited to exact terms, conditions, coverage and exclusions) before any enrollment to assure they meet their personal needs.

The above mentioned insurance plans are underwritten by QBE-HKSI. QBE-HKSI will be responsible for providing insurance cover and handling claims under their respective policies. CCB (Asia) is an authorised agent of QBE-HKSI to distribute general insurance products in Hong Kong and is not an issuer of any insurance plans. QBE-HKSI is an authorised general insurer in Hong Kong and is regulated by the Insurance Authority. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between CCBA and the customer out of the selling process or processing of the related transaction, CCBA is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between QBE-HKSI and the customer.