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Personal Accident Insurance Plan

The Personal Accident Insurance Plan offers multiple protections, including accidental death or total permanent disability, medical expenses and hospital cash allowance. With our three tailor-made options – the Diamond Plan, Platinum Plan and Gold Plan – our Personal Accident Insurance Plan is easy to apply, taking care of the different needs of our clients.

Product Highlights

  • Double Indemnity for Death
    In the event of the Insured Person sustaining fatal injury in Hong Kong due to robbery, shootout between police and robbers, shark attack, or being a fare-paying passenger in a public common carrier or in a private car, the indemnity payable will be doubled.
  • Precise Definition of Permanent Disability
    Permanent Disability is defined precisely in the plan, which facilitates the claims handling and reduces arguments, thus protecting our client's interest.
  • Accidental Medical Expenses Protection
    The plan offers a maximum payment of HK$20,000 for Accidental Medical Expenses including inpatient and outpatient treatments.
  • Hospital Cash Allowance
    In addition to Accidental Medical Expenses Protection, the plan offers a maximum Hospital Cash Allowance of HK$50,000, making the total medical expenses cover a maximum of HK$70,000.
  • 24-hour Worldwide Emergency Assistance
    Round-the-clock worldwide emergency assistance includes hospital deposit guarantee arrangements, transportation of medical services and medical supplies to the scene, and emergency medical evacuation or repatriation, etc.
  • Extensive Coverage for Various Activities
    The plan covers sport activities such as skiing, scuba diving, water-skiing, rafting, yachting, rock-climbing, bungee-jumping, horseback riding, etc.* The Insured Person will be indemnified if he/she sustains injury, death or permanent disability when attending such activities. Medical expenses and hospital cash allowance will also be provided.

* This excludes the Insured Person participating in sports in a professional capacity or in return for remuneration.

Coverage

Coverage Limit of Indemnity (HK$)
Diamond Plan Platinum Plan Gold Plan
1. Accidental Death or Permanent Disability 1,000,000 500,000 300,000
  • Double Indemnity – In the event of the Insured Person sustaining fatal injury in Hong Kong due to robbery, shootout between police and robbers, shark attack or being a fare-paying passenger in a public common carrier or in a private car
2,000,000 1,000,000 600,000
  • Second to Third Degree Burns
200,000 100,000 60,000
  • Death Compassionate Allowance

Please refer to the policy document for the calculation of Partial Permanent Disability
30,000 30,000 30,000
2. Accidental Medical Expenses (Per Year) 20,000 10,000 5,000
Hospitalisation Treatment      
  • General Consultation/Specialist Consultation
    • Maximum per day
250 200 150
  • Bone Setting, Physiotherapy or Acupuncture
    • Maximum per year
    • Maximum per day
    • Maximum treatments per accident
3,000

150

5 Visits
2,000

150

5 Visits
1,000

150

5 Visits
3. Hospital Cash (Per Year) 50,000 25,000 15,000
  • Per Week
1,500 1,000 500
4. Loss / damage to Personal Effects 2,000 2,000 2,000
  • Per accident
1,000 1,000 1,000
5. 24-hour Worldwide Emergency Assistance  
  • Hospital Deposit Guarantee
40,000
  • Medical Evacuation
Actual expenses
  • Repatriation of Mortal Remains/Ashes
Actual expenses
  • Compassionate Visit (If Insured Person is injured due to accident outside Hong Kong and is hospitalised for more than 7 days)
Round trip economy airfare for 1 person
  • Dispatch of Essential Medicine/Equipment
10,000
  • Other referral and informatory assistance such as legal, interpreter and loss of travel documents, etc.
Referral only

Premium Table

The annual premium of the SCB Personal Accident Insurance Plan is in accordance with the Insured's occupation and the respective plan selected. Please refer to the following table for details.

 
Insured Person's Occupation Class Annual Premium (HK$)
Diamond Plan Platinum Plan Gold Plan
Class I
Mainly indoor clerical duties without manual work

Example:
Doctor, Solicitor, Accountant, Dentist, Executive, Clerk, Cashier, Indoor Sales Person, Programmer, Stock Broker, Pharmacist, Clinic Nurse, Teacher, Housewife, Student
1,450 800 500
Class II
Mainly outdoor duties or with light manual work

Example:
Domestic Helper, Outdoor Sales Person, Office Assistant, Electronic Engineer, Waiter, Waitress, Merchandiser, Tailor, Hospital Nurse, Property Agent
1,800 960 600
 

Remarks:

  1. The occupation class is for reference only. If a client cannot ascertain his/her occupation class, please make enquiry to us.
  2. Age limit is from 6 months to 65 years old (both inclusive).
  3. Insured Persons under the age of 17 can only apply for the Gold Plan.

Major Exclusions

  • Travel or residing outside Hong Kong contrary to the advice of a medical practitioner;
  • Engaging in any armed force;
  • Engaging in a sport or race in a professional capacity or where you would or could earn income or remuneration from engaging in such sport;
  • Parachuting, ballooning, hang-gliding and flying other than as a fare-paying passenger in a licensed aircraft;
  • Suicide or intentional self-inflicted injury;
  • Injury as a result of insanity or the influence of alcohol or drugs;
  • Any kind of sickness or disease;
  • Incident caused by pregnancy, childbirth, or miscarriage;
  • Diseases arising from HIV and/or AIDS;
  • Incident as a result of war;
  • Ionizing radiation from nuclear fuel.

Excesses

No excesses are applied to the SCB Personal Accident Insurance Plan.

Q&A

The Personal Accident Insurance Plan indemnifies the Insured Person for bodily injury and death resulting from an "accident". What is the definition of an "accident"?

"Accident" is defined as a sudden and unforeseen event that happens unexpectedly and causes bodily injury or death to the Insured Person.

Can I choose plan benefits for death and permanent disability benefits that are more than HK$1,000,000?

Yes. The Diamond plan offers HK$1,000,000 for death and permanent disability benefits. If a client would like to increase the plan limit, please call us for arrangements.

Is there any age limit under the SCB Personal Accident Insurance Plan?

Yes. The Insured Person must be at the age between 6 months and 65 years. An Insured Person under the age of 17 can only apply for the Gold Plan.

What is the premium if the client fails to ascertain his/her occupation class?

If the client is not sure of his/her occupation class, please contact us for a quotation.

Is the Insured Person entitled to a double indemnity benefit if he/she sustains a fatal injury from a traffic accident when driving a private car?

No. Double Indemnity is offered to the Insured Person who is a passenger inside a private car but not the driver.

Tips for Filing a Claim

Please note the following and submit the required supporting documents when filing a claim:

  1. Personal accident
    • Complete and return the Claim Form as soon as possible with details of the incident and extent of the injury
    • Provide the original medical report and receipts showing the patient's name and date of consultation, expenses and diagnosis
    • Provide the police report or other reports issued by the authorities
  2. Medical expenses
    • Complete and return the Claim Form as soon as possible with details of the incident and extent of the injury
    • Provide the original medical report and receipts showing the patient's name and date of consultation, expenses and diagnosis
  3. Loss/damage to personal effects
    • Complete and return the Claim Form as soon as possible with details of the incident and loss
    • Provide the original purchase receipts for the lost/damaged items, if available
    • Provide photos showing the damaged items, if available
    • Keep the damaged items for Insurer's inspection if the situation allows
 

Claims Service Hotline
(852) 2290 3560

 

Note:

  1. The above information is for reference only, 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 products of Paofoong Insurance Company (Hong Kong) Limited (“Paofoong Insurance”) and will not constitute any part of the insurance policy document. Please refer to the policy document and provision issued by Paofoong Insurance for detailed terms and conditions, scope of coverage, exclusions, policy costs and premium of this insurance plan.
  2. The above insurance plan is underwritten by Paofoong Insurance, which is authorised and regulated by the Insurance Authority of the HKSAR.
  3. Paofoong Insurance is a subsidiary of Shanghai Commercial Bank Limited ("the Bank").
  4. The Bank is an appointed insurance agent of Paofoong Insurance.
  5. 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) between the Bank and the customer arising out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product shall be resolved directly between the customer and Paofoong Insurance.
  6. For enquiries about the online application and product information, please contact Paofoong Insurance. Your valuable comments shall be seriously considered. If you have any suggestions or complaints, please submit to Paofoong Insurance via the following means :
    - By post to Paofoong Insurance Company (Hong Kong) Limited, 28/F, Two Landmark East, 100 How Ming Street, Kwun Tong, Kowloon, Hong Kong
    - By phone to (852) 2290 3580
    - By fax to (852) 2626 0704
    An acknowledgement shall be issued by Paofoong Insurance within 3 working days upon the receipt of the complaint. A reply shall be delivered within 14 working days. All information will be treated as strictly confidential.
  7. In case of any discrepancy between the English and Chinese versions of the above information, the English version shall prevail.
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