Compulsory Cover
1. Accidental Death
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Benefit is payable for death occurring within 12 months from the date of accident.
Optional Cover
2. Permanent Disablement
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Benefit is payable according to the scale of the permanent disablement occurring within 12 months from the date of accident.
3. Temporary Total Disablement
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Weekly amount is payable when Insured Person sustain injury caused by an accident and is prevented from attending to or carrying out any duty pertaining to his/her usual occupation or business; and Insured Person is under the regular care and attendance of a qualified and licensed/registered medical practitioner.
4. Accidental Medical Expenses
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The actual reimbursement of the medical expenses occurring within 12 months from the date of accident.
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Extension:
Medical expenses for registered Chinese Herbalist, Bonesetter or Acupuncturist ($100 per consultation once per day and maximum $1,500 in aggregate during the period of insurance).
Free Additional Benefits
1. Additional Indemnity – for traffic accident whilst riding as a passenger or landslide, flood, explosion or fire
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Doubled up or increased subject to a maximum of $1,000,000 whichever is the lower the accidental death or permanent disablement for Insured Person suffer death or permanent disablement
(i) as a passenger in a traffic accident, whether it is a “MTR”, railway train, tram car, taxi, public light bus, public bus, rental car, ferry or schedule airlines as well as private car; OR
(ii) as a result of landslide, flood, explosion or fire
2. No Claims Bonus
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The annual renewal of the policy that the benefits under accidental death and permanent disablement will be increased by 10% of the initial sum insured up to a maximum of 50% (subject to a maximum increase of $1,500,000) if the Insured Person does not make any claim during the preceding year.
3. Daily Hospital Cash
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A daily hospital cash $200 is payable if Insured Person is confined to a hospital, subject to minimum hospital confinement of 7 consecutive days, as a result of an accident (max. 30 days).
4. 24-Hour AXA Assistance Hotline Service (Worldwide Service)
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The Insured Person can contact AXA Assistance 24-Hour Hotline Service for emergency assistance on advisory or referral services. In the event of medical evacuation or repatriation due to an accident, expense incurred will be paid subject to the maximum limit provided under the accidental medical expenses.
Remark:
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All amounts are in Hong Kong Dollars
