Product Highlights

Comprehensive coverage and Effortless Application

The SCB Personal Accident Insurance Plan is an all-in-one policy providing comprehensive protection including:

• Accidental Death or Total Permanent Disability
• Accidental Medical Expenses
• Hospital Cash Allowance
• 24-hour Worldwide Emergency Assistance

3 tailor-made plans, namely Diamond, Platinum and Gold are ready for clients’ selection in accordance with their needs. For details of the plans, please browse the Coverage section.

Double Indemnity for Death

In the event of the Insured Person sustaining fatal injury due to robbery, gun shot, shark attack or being a fare-paying passenger in a public common carrier or in a private car in Hong Kong, the indemnity payable shall be doubled.

Precise Definition of Permanent Disability yields Precise Protection

Permanent Disability is defined precisely in the SCB Personal Accident Insurance Plan facilitating claims handling and our client’s interest is thus protected.

Accidental Medical Expenses Protection

Some similar products in the market do not offer Accidental Medical Expenses cover. The SCB Personal Accident Insurance Plan offers a maximum payment of HK$20,000 for Accidental Medical Expenses including in and out patient treatments.

Hospital Cash Allowance

In addition to Accidental Medical Expenses cover, 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 including hospital deposit guarantee arrangement, transportation of medical services and medical supplies to the scene and emergency medical evacuation or repatriation, etc.

Extensive coverage for various activities plus the risk of “Terrorism”

Similar products in the market often exclude injury sustained by the Insured Person whilst participating in various dangerous sports or as a result of an act of terrorism. The SCB Personal Accident Insurance plan, on the contrary, specifically covers various sporting activities such as skiing, scuba diving, water-skiing, rafting, yachting, rock-climbing, bungee-jumping, horseback riding, etc. * All benefits are payable if the Insured Person sustains injury when attending such activities or being a victim in a Terrorist attack.

*Excluding the Insured Person participating in sports or races in a professional capacity or for remuneration