Personal Accident Protection Plus

Protection for you and your family against the unexpected

Personal accident insurance helps protect you and your family against the unexpected and ease your potential financial burden from injuries and medical expenses.

gift-box Promotion Offer
  • Plan Highlights
  • Product Brochure
  • Protection for an individual with his/her spouse and children
  • Up to HK$1,000,000 cover for Accidental Death or Disablement
  • Accidental Medical Expenses Sum Insured on per accident basis with no limit on the number of accidents per year
  • Cover for Chinese bone-setter, acupuncture, chiropractor and physiotherapist
  • Zero excess for the entire policy
  • Free additional protection for natural disaster, broken bones, home nursing, 24-hour worldwide emergency service, etc
  • Optional cover for Hospital Cash Allowance and Temporary Total Disablement
  • Up to 10% premium discount for a group of 2 or more individuals
  • No claim bonus at 5% per year and up to 25% of Accidental Death or Permanent Disablement Sum Insured

Note: For the details of the coverage, premium, major exclusions and important notes, please refer to the product brochure.

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

China Construction Bank (Asia) Corporation Limited (Insurance Intermediary License No: FA3132) (“the Bank”) is the appointed insurance agency of QBE Hongkong & Shanghai Insurance Limited (“QBE Hong Kong”) and China Taiping Insurance (HK) Company Limited (“CTPI(HK)”), to distribute general insurance products in Hong Kong Special Administrative Region. Relevant general insurance products are the products of the insurance companies but not the Bank. The above general insurance products are issued and underwritten by QBE Hong Kong or CTPI(HK). QBE Hong Kong and CTPI(HK) are authorized and regulated by the Insurance Authority (“IA”) to carry on general insurance business in the Hong Kong Special Administrative Region. Please refer to the sales documents, including product brochure, benefit illustration (if applicable), policy documents and provisions issued by QBE Hong Kong or CTPI(HK) for details (including but not limited to insured items and coverage, detailed terms, key risks, conditions, exclusions, important notes, policy costs and fees) of the general insurance products. QBE Hong Kong and CTPI(HK) reserve the right to decide at each of their sole discretion to accept or decline any application for general insurance product according to the information provided by the customer at the time of application. 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 the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the general insurance product should be resolved between QBE Hong Kong or CTPI(HK) and the customer directly. Information on this website is for reference only and is intended to be distributed in Hong Kong Special Administrative Region only. It shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any general insurance product of QBE Hong Kong or CTPI(HK) outside Hong Kong Special Administrative Region.

Pursuant to the Insurance (Levy) Regulation (Cap. 41I) and the Insurance (Levy) Order (Cap. 41J) under the Insurance Ordinance (Cap. 41), the IA collects levies for insurance premiums from policyholders with effect from 1 January 2018. For further details, please visit the website of IA. For the latest information about the IA, please visit For the latest information about The Insurance Complaints Bureau, please visit