Comprehensive Personal Accident Insurance Plan
1. Accidental Death and Permanent Total Disablement
2. Temporary Total Disablement
3. Accidental Medical Expenses
4. Daily Hospital Income
5. Double Indemnity

Accidental Death and Permanent Total Disablement

Accidental Death/Permanent Total Disablement Benefits Schedule
Insured Events Percentage of Sum Insured
1. Accidental Death 100%
2. Permanent Total Disablement 100%
3. Permanent and Incurable Paralysis of all Limbs 100%
4. Permanent Total Loss of Sight of both Eyes 100%
5. Permanent Total Loss of Sight of one Eye 50%
6. Loss of or Permanent Total Loss of use of two Limbs 100%
7. Loss of or Permanent Total Loss of use of one Limb 50%
8. Permanent Total Loss of Speech and Hearing
100%
9. Permanent Total Loss of Hearing in
a.   Both ears
b.   One ear
75%
15%
10. Permanent Total Loss of Speech 50%
11. Permanent Total Loss of the Cornea of one Eye 30%
12. Removal of the Lower Jaw by surgical operation 30%
13. Loss of or Permanent Total Loss of use of Thumb and four Fingers of
a.   Right Hand
b.   Left Hand
70%
50%
14. Loss of or Permanent Total Loss of use of four Fingers of
a.   Right Hand
b.   Left Hand
40%
30%
15. Loss of or Permanent Total Loss of use of one thumb
a.   Both Right Joints
b.   One Right Joint
c.   Both Left Joints
d.   One Left Joint
30%
15%
20%
10%
16. Loss of or Permanent Total Loss of use of Fingers
a.   Three Right Joints
b.   Two Right Joints
c.   One Right Joint
d.   Three Left Joints
e.   Two Left Joints
f.   One Left Joint
*(Left hand users can have the coverage percentage left and right hand reversed.)
10%
7.5%
5%
7.5%
5%
2%
 
17. Loss of or Permanent Total Loss of use of Toes
a.   All - one foot
b.   Great - both Joints
c.   Great - Joint
d.  Other toe
15%
5%
3%
2%
18. Fractured Leg or Patella with established non-union 10%
19. Shortening of Leg by at least 5cm 7.5%
The aggregate total of all percentages payable for Accidental Death and Permanent Total Disablement Benefit in respect of any one accident or within the policy period shall not exceed 100%.
The total amount payable in respect of any one injury or aggregate shall not exceed the Benefit Amount per Insured Person as stated in the Schedule of Insured(s) of this Policy.

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Temporary Total Disablement
The weekly indemnity benefit payable is up to 52 weeks from 3 days after the date of commencement of the eligible disability.
 

Accidental Medical Expenses
Reimbursement of the incurred fees for medical and surgical treatment for bodily injury to the Insured Person in respect of any one accident or aggregate, not exceeding the amount of Sum Insured.
 

Double Indemnity Benefit (Accidental Death Only)
The amount payable on the accidental death benefit shall be double for loss sustained while the insured is riding as a fare paying passenger on board a public conveyance licensed to carry passengers.
 

Daily Hospital Income
In the event the insured person suffers bodily injury and is confined in hospital for treatment, a daily benefit is payable for the period of confinement subject to a maximum period not exceeding 365 days.
 

Major Exclusions
War, Invasion or Civil War; Active Military Service; Professional Sports; Sickness and Disease; Suicide and Self-inflicted injury; Pregnancy or Childbirth; Flight Crew; rock-climbing requiring use of ropes/pitons; hang gliding and parachuting.

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Benefits and Premium Rates
Insured Only
BENEFITS & PREMIUM RATE
ANNUAL PREMIUMS (HK$)
BASIC BENEFITS COVERAGE AMOUNT COVER(HK$) CLASS 1 CLASS 2 CLASS 3 CLASS 4
a. Accidental Death & Permanent Total Disablement per 10,000 12 15 20 30
 
Optional Benefits
BENEFITS & PREMIUM RATE
ANNUAL PREMIUMS(HK$)
OPTIONAL BENEFITS COVERAGE AMOUNT COVER(HK$) CLASS 1 CLASS 2 CLASS 3 CLASS 4
b. Temporary Total Disablement HK$100 per week 25 30 40 60

c.

Accidental Medical Expenses

(Limited to 10% of the Principal Sum Insured)

 

per HK$5,000

max. HK$50,000

 

 

 75 95 125 180
d. Double Indemnity -Accidental Death only per HK$10,000 4 5.5 7 10
e. Daily Hospital Income HK$100 per day 160 180 200 220
f. Chinese Bonesetter Expenses Max. HK$1,000 per accident
HK $3,000 per policy year		 150 180 200 220
 
Spouse Only:
If the spouse is also insured along with the Insured, the entire policy shall enjoy a 10% discount in premium. The spouse will enjoy the same percent of benefits based on the disclosures of the nature of occupation in the application and the class.
 
Family Only: Insured, Spouse & Children (unlimited)
If the spouse and children are insured along with the Insured the entire policy shall enjoy 20% discount in premium. Each child will be charged premium based on class one rates and enjoy the same benefits as the Insured subject to a maximum of HK$500,000 for Accidental Death and Permanent Total Disablement, Double Indemnity and no coverage being offered for Temporary Total Disablement.
 
Occupational Classification
 

CLASS I
INDIVIDUALS ENGAGED IN NON-HAZARDOUS OCCUPATIONS such as administrative & clerical staff, accountants, auditors, bankers, lawyers, teachers, medical practitioners, merchants, etc.
 

CLASS II
INDIVIDUALS ENGAGED IN OCCUPATIONS OF SUPERVISORY NATURE OR SIMPLE MANUAL WORK WHICH DOES NOT INVOLVE THE USE OF POWERED TOOLS OR MACHINERY such as estate agents, commercial travellers, nurses, hairdressers, photographers, news reporters (exclude war site), tourist guides, supermarket sales staff, etc.
 

CLASS III
INDIVIDUALS ENGAGED IN MANUAL WORK NOT OF PARTICULARLY HAZARDOUS NATURE BUT INVOLVING THE USE OF LIGHT MACHINERY OR TOOLS such as goldsmiths, printing workers, laundry workers, factory packers, textile workers, electro-plating workers, cleaning workers, etc.
 

CLASS IV
INDIVIDUALS ENGAGED IN MANUAL WORK OF PARTICULARLY HAZARDOUS NATURE such as mechanists, interior decorators (excluding construction site workers), container & lorry drivers travelling to China, cooks, etc.
 

(If the estimated number of trips travelling outside Hong Kong exceeds 12 times per year you shall be classified in a higher class)

Those occupations not listed above will be considered on application.
 


Underwriting Rules and Application
 
1. Minimum policy premium : HK$500.00
2. Eligible ages shall be between 16 to 65 years old for the Insured and Spouse whereas for children aged 2 to 18 and up to 23 years old for full time unmarried students.
3. Weekly benefit under Temporary Total Disablement shall be limited to 80% of the Person's average weekly earnings and up to a maximum of HK$50 per HK$10,000 of Capital Sum Insured. Maximum benefit shall be limited to HK$2,000 per week.
4. Self-employed individuals, housewifes, sole proprietors of companies, unemployed, daily waged employees as well as children are not entitled for Temporary Total Disablements Benefits.
5. Accidental Medical Expenses (Benefit C) shall exclude treatment by Chinese bonesetter, which is to be covered separately under Benefit F.
6. For Temporary Total Disablement reimbursement, only original sick leave certificate issued by registered medical practitioner will be recognized. Besides the insured person is also required to submit a written confirmation from the employers on his absence from work due to injury before any compensation is payable under this benefits.
7. If the plan chosen covers Double Indemnity - Accidental Death Only - besides death due to an accident on a public conveyance, all children will also be covered if death arises due to an accident if they were riding in or on boarding or alighting from a valid licensed school bus, chemical attack in school laboratory, gas or food poisoning in schools.
 
Note: Details of benefits, conditions and exclusions will be as per policy wordings.

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The above product(s) is/are offered for sale in Hong Kong only and are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.
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