• Coverage summary
• Death and Permanent Disability Compensation table
• Premium table
• Occupation categories
• Protection scope
• Major Exclusion
• Important notes

 

Comprehensive Personal Accident Insurance

Coverage summary

Coverage Summary
Item	Coverage	Maximum Coverage Limit (HKD)
		A	B	C
1	Personal Accident Whilst in Public Common Carrier or Private Car Causing Death or Total Permanent Disablement	$1,000,000	$2,000,000	$3,000,000
2	Other Accidents Causing Death or Total Permanent Disablement	$500,000	$1,000,000	$2,000,000
3	Accidental Medical Expense (Outpatient Limit $150/visit/day)	$15,000	$30,000	$50,000
4	Accidental Bone setting & Acupuncture Medical Expense (Limit $100/visit/day)	$2,000	$3,000	$4,000
5	Major Burn Injury	$150,000	$300,000	$500,000
6	Weekly Hospital Cash Per Week (Max. 52 weeks) Per Week Max Amt	$500 $26,000	$1,000 $52,000	$1,500 $78,000
7	Compassionate Death Cash	$5,000	$8,000	$10,000
8	24 Hour Worldwide Emergency Assistance Referral Services	Emergency Evacuation Expense can be deducted from Item 3

Basic Plan : Coverage Including Item Nos. 1 and 2 under Schedule of Benefits

Supreme Plan : Coverage Including Item Nos. 1 to 8 under Schedule of Benefits

Back to the top

Death and Permanent Disability Compensation table

Compensation Table For Death And Permanent Disablement
		% of Principal Sum Insured
1	Accidental Death	100%
2	Total Permanent Disablement	100%
3	Loss of two limbs, or total and irrecoverable loss of sight of both eyes, or loss of one limb and total and irrecoverable loss of sight of one eye	100%
4	Loss of either one limb or sight of either one eye	50%
5	Loss of Fingers or Toes (on each hand or foot)
	(a) Loss of four fingers	40%
	(b) Loss of thumb (both phalanges)	25%
	(c) Loss of thumb (1 phalanx) or index finger (3 phalanges)	10%
	(d) Loss of index finger (1 or 2 phalanges), or middle finger (3 phalanges)	6%
	(e) Loss of middle finger (1 or 2 phalanges), or ring finger (3 phalanges), or little finger (3 phalanges)	3%
	(f) Loss of ring finger (1 or 2 phalanges), or little finger (1 or 2 phalanges)	1%
	(g) Loss of toes - all	15%
	(h) Loss of toe - great (both phalanges)	5%
	(i) Loss of toe - great (1 phalanx) or any other toes (two phalanges)	2%
	(j) Loss of toe - any other than great (1 phalanx)	1%
6	Deafness, Fracture of Bones ***To be assessed by legally qualified and registered doctor	***

  Back to the top

Premium table

Premium Table (HK$)
Insured
Occupation	Class 1			Class 2
Coverage Limit	A	B	C	A	B	C
Basic Plan	$400	$700	$1,300	$600	$1,000	$1,900
Supreme Plan	$800	$1,400	$2,600	$1,100	$2,000	$3,800
Family Plan
Occupation	Class 1			Class 2
Coverage Limit	A	B	C	A	B	C
Basic Plan	$750	$1,300	$2,400	$950	$1,600	$3,000
Supreme Plan	$1,500	$2,600	$4,800	$1,800	$3,200	$6,000
Other Optional Cover					Min Premium
China Accidental Emergency Medical Ins - Whole China					$510	Each
China Accidental Emergency Medical Ins - Guangdong Province					$298	Each
Personal Liability Insurance					$300

Insurance Authority Premium Levy

Pursuant to the Insurance (Levy) Order and Insurance (Levy) Regulation, Insurance Companies will collect IA Premium Levy on insurance premiums from your insurance policies effecting from 1-Jan-2020 onwards. This is the legal obligation of policyholders to pay a levy when premium is paid. The levy will be collected by Insurance Companies and then remit to Insurance Authority as required by the law.

Details of levy can be referred to table below. For further information, please visit Insurance Authority Official Web https://www.ia.org.hk/.

Policy Inception Date and/or Annual Anniversary Date	Applicable Levy Rate	Cap Per General Insurance Policy Per Policy Year (HK$)
From 1 Apr 2019 till 31 March 2020 (both dates inclusive)	0.06%	3,000
From 1 Apr 2020 till 31 March 2021 (both dates inclusive)	0.085%	4,250
From 1 Apr 2021 onwards (date inclusive)	0.10%	5,000

    Back to the top

Occupation categories

Class 1 Occupation Categories

Professionals, administrative, managerial, clerical duties with non-manual work mainly working in offices such as accountants, administrator, business executives, clerks, dentists, indoor sales, lawyers, medical practitioners, pharmacists, stockbrokers, teachers, clinic nurses etc.

 

Class 2 Occupation Categories

Outdoor non-manual work or pure supervisory work (excluding using tools or machinery, working in construction site and working at height) such as outdoor sales, messengers, private car chauffeurs, commercial travelers, hairdressers, shop attendant, hospital nurse, factory foremen or waiters/waitresses etc.

If Insured Person's occupation is not shown above, please refer insurance company for discretion.

    Back to the top

Protection scope

(A) Basic Coverage (Including Item No. 1 and 2 under Schedule of Benefits)

1. Whilst in Common Carrier or Private Car

If the Insured Person shall sustain accidental bodily injury causing death or permanent disablement whilst riding in private car or as a fare paying passenger in common carrier, this insurance shall pay the limit of indemnity according to the extent injury.

2. Other Accidents

If the Insured Person shall sustain accidental bodily injury causing death or permanent disablement due to other accidents, this insurance shall pay the limit of indemnity according to the extent of injury.

(B) Supreme Coverage (Including Item No. 1 and 8 under Schedule of Benefits)

Supreme Coverage shall include Basic Coverage and the following items:

3. Accidental Medical Expenses

This extension covers accidental medical expenses but excludes Chinese Herbalist, Bonesetting and Acupuncture medical expenses.

4. Accidental Bone setting & Acupuncture Medical Expenses

This extension covers accidental Bonesetting and Acupuncture medical expenses.

5. Major Burn Injury

This extension will pay the Limit of indemnity if the Insured Person suffers Third Degree Burns (destruction of the skin to its full depth and damage to the tissues beneath) with burn area is equal to or greater than 10% of the Insured Person's total body surface area. For one accident, the Insured Person shall not be entitled to compensation both under this extension and any Items under Basic Coverage.

6. Weekly Hospitality Cash

If the Insured Person shall be necessarily confined within a Hospital for a period of 7 consecutive days or more, this extension will pay the weekly hospitality cash for each week up to maximum 52 weeks. This Section is not applicable to independent children.

7. Compassionate Death Cash

In the event of the death of Insured Person whether or not caused by accident or sickness, this benefit shall be payable to his/her Beneficiary up to the limit of indemnity.

8. 24 Hour Worldwide Emergency Assistance Referral Services

Anywhere in the world, the Insured can enjoy 24 hour worldwide emergency hotline service, providing emergency assistance referral services, contacts of local doctors, lawyers or translators so as to assist the Insured to resolve problems. For emergency evacuation expense, the Insured Person is entitled to claim such compensation under the limit of medical expense of Item 3 - Accidental Medical Expense Cover.

(C) Optional Covers

1. China Accidental Emergency Medical Insurance (Whole China or Guangdong Province Only)

Please refer to China Accidental Emergency Medical Insurance (The Personal Accident Section under Medical Card is deleted)

2. Personal Liability Insurance

This insurance will indemnity Insured against all sums which the Insured shall become legally liable to pay for compensation in respect of accidental third party bodily injury or property damage occurring solely in his/her personal capacity anywhere within Hong Kong, up to a maximum limit of HK$ 1,000,000 for any one period of insurance. This insurance also indemnifies the Insured's family members under Family Plan.

    Back to the top

Major Exclusion

Terrorism, War, Engaged in Military Forces, Police, or Disciplinary Forces, Professional Sports, Suicide, Self-Injury, Pregnancy, Childbirth, Illness, infectious disease or by medical or surgical treatment (other than treatment required on account of an accident covered by this policy), hunting, mountaineering necessitating ropes or guides, skating, parachuting, water skiing, winter sports, diving, racing of any kind or fighting or insanity or being under influence of drugs, alcohol, intoxication, solvent abuse and so on.

    Back to the top

Important notes

• This insurance is not applicable for any person residing in Hong Kong less than 180 days within 1 year.
• This insurance is not limited to the number of trips outside Hong Kong but is subject to maximum period of 90 days per trip.
• The Insured can choose Individual Plan or Family Plan. If Family is chosen, this insurance covers the insured's spouse and all dependent children, provided that the details of spouse and all dependent children are declared prior to the effective date.
• The occupation of the Insured and his/her spouse must fall within the definition of the Occupation Class 1 or 2 as defined herein. If the Occupation Classes for the couple are different, the occupation class within higher premium rate will be charged (i.e. Occupation Class 2). In case of any change in occupation, the Insured must notify us immediately for handling, otherwise it may prejudice the rights to claim.
• The age of Insured and his/her spouse must be between 18 and 70, with renewal up to age of 75. Dependant children must be between 1 and 17 years of age but up to 25 year-old unmarried full time student.
• Any Insured Person aged less than 18 years old or over 65 years old can only entitle 20% of original benefits.
• Minimum premium per policy is HK$400.

    Back to the top

 

Governing Law of Policy: Hong Kong Special Administrative Law

For enquiries, please visit any of our outlets or call our customer service hotline.

Note:

1. The above information is supplied by China BOCOM Insurance Co., Ltd. and is for reference only. Please refer to the full wording of the policy provisions published by China BOCOM Insurance Co., Ltd. for detailed terms & conditions and exclusions.
2. The insurance plan is underwritten by China BOCOM Insurance Co., Ltd. which is authorized by the Insurance Authority to provide general insurance business. Bank of Communications (Hong Kong) Limited is an appointed insurance agent of China BOCOM Insurance Co., Ltd.

 

Important Notice:
The insurance plan is a product of China BOCOM Insurance Co., Ltd. but not Bank of Communications (Hong Kong) Limited  (the “Bank”). 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 product should be resolved between directly China BOCOM Insurance Co., Ltd. and the customer.