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

Comprehensive Basic Coverage

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

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

Occupational Classification

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 the insured person’s occupation is not listed in the above table, Blue Cross will determine the occupational classification and whether to approve the application based on the insured person’s job nature

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.
2.		Should there be any discrepancy between the English and the Chinese versions of the above information, the English version shall apply and prevail.
3.		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.

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