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  Plan Highlights    
  Basic Coverage    
  Optional Benefits    
  Occupational Classification    
  Schedule of Benefit    
  Premium Table    
  Table of Personal Accident Benefit    
  Important Notes    
  Major Exclusions    
  Claims Procedures    
       
  Plan Ahead for Uncertainties!  
       
  We cannot predict what will happen in the next minute or avoid unexpected accidents, but we can always plan ahead to provide full protection for our family and ourselves in case any unfortunate accident occurs.  
       
  Your existing employee insurance plan may not offer sufficient protection for you. If an accident occurs, you may have to bear unexpected and significant medical expenses. A serious accident may even lead to permanent disablement or loss of working ability, which can make it difficult for your family.  
       
  The Personal AccidentSafe Insurance is tailored to provide you with a comprehensive worldwide personal accident protection plan. With a modest premium, you can get an all-round protection wherever you work or enjoy your leisure time.  
       
Plan Highlights
 
     
  Tailor your own personal accident protection plan that best suits your needs  
  Select up to 3 optional benefits in addition to the basic benefits  
  Provide flexibility in customising the benefit limit for each selected item  
  A new Trauma Counselling benefit  
  Coverage for leisure and non-professional sports activities, including skiing, bungee jumping, hiking, water-skiing, diving, horse-riding, cycling, etc.  
  Coverage for accident resulting from falling objects (including corrosive liquids), collapse of unauthorised building works and scaffolding works, etc.  
  No deductible for Accidental Medical Expenses  
  24-hour Worldwide Emergency Enquiry Service  
     
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Comprehensive Basic Coverage
 
       
  Personal Accident Benefit  
  If death or permanent disablement occurs due to an accident, the Plan provides you with not only basic personal accident coverage, but also a wide range of value-added benefit items that can extend your coverage. The flexibility of customising the benefit limits enables you to obtain sufficient protection and control the annual premium at the same time in a cost-effective manner.  
     
  Coverage for various types of permanent disablement such as loss of functioning of all limbs, loss of sight, and even loss of use of fingers and toes. Please refer to the Table of Personal Accident Benefit for details.  
  An extra Double Indemnity for Death is payable for accidental death resulting from any of the following circumstances  
 
  - As a fare-paying passenger travelling in public conveyance; or
  - As a victim in landslide, fire, domestic explosion or lightning strike.
 
  A lump sum of up to HK$100,000* is payable for major burns.  
  Up to HK$60,000* expenses will be reimbursed for the repatriation of mortal remains returning from overseas.  
  Up to HK$40,000* expenses will be reimbursed for the burial and funeral.  
  While you are overseas, our 24-hour Worldwide Emergency Enquiry Service can provide you with referral services, including legal assistance, interpreter services and replacement of lost travel document.  
       
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Optional Benefits to Cater Your Needs
 
       
  In addition to the basic coverage, you can select optional benefits and their benefit limits based on your specific needs, including Accidental Medical Expenses, Daily Hospital Cash Allowance and Weekly Income Protection.  
       
  Accidental Medical Expenses  
  You can be reimbursed up to HK$100,000* for the medical expenses incurred for treatment, surgery and hospitalisation caused by an accidental injury. Other covered medical treatments include:  
     
  Outpatient Physiotherapy : Maximum HK$500 per visit  
  Acupuncture : Maximum HK$300 per visit  
  Chinese Bone-setting : Maximum HK$200 per visit  
     
  In addition to physical injury, permanent disablement may cause psychological trauma in a long run. To help you resume normal life, we offer a Trauma Counselling benefit, which provides additional reimbursement of up to HK$5,000 for receiving psychological counselling services if you are diagnosed with post-traumatic stress disorder caused by permanent disablement.  
     
  Daily Hospital Cash Allowance  
  If hospitalisation is required due to an accidental injury, you will receive a cash allowance up to HK$1,500* per day during your stay in the hospital for up to 365 days.  
     
  Weekly Income Protection  
  If you temporarily lose the ability to perform your work duty and generate income due to an accidental injury, you will receive a weekly payment of up to 90% of your average weekly income for up to 52 weeks, help covering your daily expenses.  
     
  Premium Discount  
  Enjoy a 10% premium discount if you and your spouse enrol or renew the same policy.  
     
  * This benefit limit is determined by assuming the insured person’s occupation belongs to Class 1 or Class 2.  
       
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Occupational Classification
 
     
 
Occupational Classfication
Class 1 Individuals engaged in occupations mainly of indoor and non-hazardous nature without manual work, such as administrative & clerical staff, accountants, auditors, architects, bankers, stockbrokers, lawyers, medical practitioners, dentists, pharmacists, indoor sales, merchants, teachers, housewives, etc.
Class 2 Individuals engaged in occupations requiring outdoor work or occasional manual work of non-hazardous nature which does not involve the use of powered tools or machinery, such as commercial travellers, estate agents, nurses, hairdressers, photographers, outdoor sales, tourist guides, supermarket sales, etc.
Class 3 Individuals engaged in manual work of non-hazardous nature but involving the use of light machinery or tools, such as printing workers, laundry workers, factory packers, textile workers, electro-plating workers, cleaning workers, bakers, waiters/waitresses, kitchen workers, private car drivers, etc.
Class 4 Individuals engaged in manual work involving the use of heavy and hazardous machinery, such as mechanists, interior decorators (excluding construction site workers), light goods vehicle/tractor/truck drivers (within Hong Kong territory only), delivery workers (not by motorcycle), etc.
 
     
  If your occupation is not listed in the above table, Blue Cross will determine the occupational classification and whether to approve the application based on your job nature.  
     
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Schedule of Benefit
 
     
 
Benefit Item Maximum Limit Per Insured Person (HK$)
Basic Benefits Class 1 Class 2 Class 3 Class 4
Personal Accident Benefit
- Accidental Death and Permanent Disablement
500,000 up^ 500,000 - 3,000,000 500,000 - 1,200,000
- Double Indemnity for Death
  (Travelling as a fare-paying passenger in public conveyance or as a victim in landslide, fire, domestic explosion or lightning strike)
500,000 up^ 500,000 - 3,000,000 500,000 - 1,200,000
- Major Burns
100,000 per year 50,000
per year
50,000
per year
- Repatriation of Mortal Remains Expenses
60,000 30,000 30,000
- Burial and Funeral Expenses
40,000 20,000 20,000
- 24-hour Worldwide Emergency Enquiry Service
Optional Benefits Class 1 Class 2 Class 3 Class 4
1. Accidental Medical Expenses
10,000 - 100,000 per year 10,000 - 75,000 per year
- Trauma Counselling
Extra 5,000
reimbursement for each permanent disablement claim
- Outpatient Physiotherapy*
500 per visit
- Acupuncture*
300 per visit
- Chinese Bone-setting*
200 per visit
2. Daily Hospital Cash Allowance
500-1,500 per day 500 per day
3. Weekly Income Protection
500 - 2,000 per week 500 - 1,000 per week
 
  ^ Maximum limit is subject to the Company’s underwriting decision.
* Up to 6 visits per accident and 1 visit per day for the above 3 treatments and their aggregate maximum is HK$3,000 per year.
 
     
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Premium Table
 
     
 
Benefit Item Benefit Limit (HK$) Annual Premium (HK$)
Basic Benefits Class 1 Class 2 Class 3 Class 4
Personal Accident Benefit
100,000/unit
(Min. 500,000)
85 100 180 300
Optional Benefits Class 1 Class 2 Class 3 Class 4
1. Accidental Medical Expenses
5,000/unit
(Min. 10,000)
125 145 235 330
Benefit limit cannot exceed 12% of the Personal Accident Benefit
2. Daily Hospital Cash Allowance
100/unit
(Min. 500)
160 180 200 220
Benefit limit cannot exceed 0.1% of the Personal Accident Benefit
3. Weekly Income Protection
100/unit
(Min. 500)
25 30 50 80
Benefit limit cannot exceed 0.1% of the Personal Accident Benefit
 
     
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Table of Personal Accident Benefit
 
     
 
Insured Events Benefits Payable (Percentage of Maximum Limit)
1. Accidental Death 100%
2. Permanent Disablement (2.1 to 2.18)
  2.1 Permanent total disablement 100%
  2.2 Permanent and incurable paralysis of all limbs 100%
  2.3 Permanent total loss of sight of both eyes 100%
  2.4 Permanent total loss of sight of one eye 50%
  2.5 Loss of or permanent total loss of use of two limbs 100%
  2.6 Loss of or permanent total loss of use of one limb 50%
  2.7 Permanent total loss of speech and hearing 100%
  2.8 Permanent total loss of hearing in
    a) both ears 75%
    b) one ear 15%
  2.9 Permanent total loss of speech 50%
  2.10 Permanent total loss of the lens of one eye 30%
  2.11 Removal of the lower jaw by surgical operation 30%
  2.12 Loss of or permanent total loss of use of thumb and four fingers of
    a) right hand 70%
    b) left hand 50%
  2.13 Loss of or permanent total loss of use of four fingers of
    a) right hand 40%
    b) left hand 30%
  2.14 Loss of or permanent total loss of use of one thumb
    a) both right joints 30%
    b) one right joint 15%
    c) both left joints 20%
    d) one left joint 10%
  2.15 Loss of or permanent total loss of use of fingers
    a) three right joints 10%
    b) two right joints 7.5%
    c) one right joint 5%
    d) three left joints 7.5%
    e) two left joints 5%
    f) one left joint 2%
(In the event that the insured person is left-handed, the applicable percentages for left and right hands as shown in 2.12 to 2.15 shall be reversed.)
  2.16 Loss of or permanent total loss of use of toes
    a) all – one foot 15%
    b) great – both joints 5%
    c) great – one joint 3%
    d) other – toe 2%
  2.17 Fractured leg or patella with established non-union 10%
  2.18 Shortening of leg by at least 5 cm 7.5%
 
     
  The aggregate benefit payable for the above insured events during the period of insurance shall not exceed 100% of the benefit amount of Personal Accident Benefit for each insured person.  
     
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Important Notes
   
     
 
1.
Insurable age is from 16 to 65 years. Insured person below the age of 18 must be unmarried with a full-time job, and his/her parent(s) or guardian must be the owner of the policy.
2.
The minimum annual premium is HK$500 per policy after the deduction of the premium discount offer (if any).
3.
Major Burns will be payable if the insured person sustains third-degree burns with burn area equal to or larger than 5% of his/her head or 10% of the total body surface area.
4.
Double Indemnity Benefit for Death will not be payable if the insured person is working as a rescuer in a normal duty under landslide, fire, domestic explosion or lightning strike.
5.
24-hour Worldwide Emergency Enquiry Service does not include the service of Repatriation of Mortal Remains.
6.
The aggregate maximum limit of Outpatient Physiotherapy, Acupuncture and Chinese Bone-setting is HK$3,000 per year and must be deducted from the maximum limit of Accidental Medical Expenses.
7.
Daily Hospital Cash Allowance will be payable upon a continuous period of 24 hours hospital confinement.
8.
Weekly Income Protection will be payable 3 days after the loss of working ability. Self-employed individuals, housewives, sole proprietors of companies, unemployed and daily waged employees are not eligible for the Weekly Income Protection.
9.
For the reimbursement of Weekly Income Protection, the insured person is required to submit the original sick leave certificate issued by a registered medical practitioner as well as the salary proof and a written confirmation on sick leave issued by his/her employer, before any compensation is payable.
 
     
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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 the use of ropes / pitons; hang gliding and parachuting.  
     
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Claims Procedures
 
     
  All claims must be reported to our Claims Department of Blue Cross (Asia-Pacific) Insurance Limited within 14 days after the accident. Please complete the Personal Accident Insurance Claim Form and return to: 29/F, BEA Tower, Millennium City 5, 418 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong.

To download Claims Procedure here
To download Claim Form here
 
     
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  For more information and related documents, please download here.   Talk to us directly:
  Product Leaflet Terms & Conditions Application Form   3608 2988 or email us
 
  Notes:  
 
1. The above information is for reference only. Please refer to policy for the exact terms and conditions and the full list of policy exclusions. For more information or a copy of the policy terms and conditions, please contact our Customer Service Department on 3608 2988/ by email cs@bluecross.com.hk for enquiry.
2. Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
 
     
  The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.