Business AccidentCare

Product highlights

A comprehensive 24-hour worldwide accident protection from as little as HKD2 per day per person.

Features and benefits

Comprehensive 24-hour worldwide accident protection

From as little as HKD2 per day per person

Provides double benefits in the event of permanent disability or death resulting from a traffic accident in a common carrier or private car

Two months FREE coverage when you apply via Business Internet Banking

Two protection plans to choose from

Covers Chinese bonesetting, acupuncture or physiotherapy plus accidental medical expenses

For all sizes of business (maximum insured persons being 10), including sole-proprietorships

Instant approval when you apply through Business Internet Banking

Coverage and Benefits

Main policy benefits Benefit Scale A (HKD) Benefit Scale B (HKD)
Death or permanent total disability caused by an accident in a common carrier or private car 1,000,000 2,000,000
Death or permanent total disability or permanent and incurable insanity 500,000 1,000,000
Permanent and incurable paralysis of all limbs or loss of use of one or two limbs 500,000 1,000,000
Permanent loss of speech and hearing 500,000 1,000,000
Permanent loss of sight in one or both eyes 500,000 1,000,000
Loss of or permanent total loss of use of four fingers and thumb of*
- right hand
- left hand
350,000
250,000
700,000
500,000
Loss of or permanent total loss of use of all toes on one foot 75,000 150,000
Major burns
- either 30% or more of total body surface
- or 50% or more of total facial surface
150,000
75,000
300,000
150,000


Other policy benefits Benefit Scale A (HKD) Benefit Scale B(HKD)
Accidental medical expenses (in-patient and out-patient)

Out-patient treatment limit
10,000 per policy period

150 per visit
20,000 per policy period

150 per visit
Chinese bonesetting or acupuncture or physiotherapy treatment expenses

Treatment limit
500 per policy period

100 per visit per day
1,000 per policy period

100 per visit per day
Credit card protection 10,000 per policy period 10,000 per policy period
Accident emergency medical evacuation 50,000 per accident 50,000 per accident
Contribution to funeral expenses 10,000 10,000
Coma benefit 26,000 per accident (500 per full week, maximum 52 weeks) 26,000 per accident (500 per full week, maximum 52 weeks)
Professional counselling costs 5,000 per accident 5,000 per accident

* In the event of a relevant loss under the policy, if the insured person is left-handed and has specifically mentioned this to the company, the amount of benefit for the right hand and left hand will be transposed.

Policy exclusions

All insurance policies contain exclusions. Here is a summary of the main exclusions. For a complete list, please refer to the policy documents.

  • War, terrorism and related perils
  • Duty with disciplinary services or armed forces
  • Suicide, self-destruction or self-inflicted injury
  • Engaging in dangerous activities or professional sports
  • Engaging in aviation other than as a fare-paying passenger
  • Drunk driving
  • Illegal acts
  • Drug taking
  • Any kind of sickness or disease, venereal disease or AIDS
  • Childbirth or pregnancy
  • Nuclear weapons, ionisation and radioactivity
  • Accidents during working hours for certain occupations (please refer to the application form for details)

The information provided here is subject to the actual policy wording and that customers should refer to the relevant insurance policy for its terms and conditions. Please click here for full policy schedule.

The above policy is underwritten by AXA General Insurance Hong Kong Limited (“AXA”), which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Companies Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR.

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