Accidental Income Protector which is underwritten by MSIG Insurance (Hong Kong) Limited, provides cash benefits to keep your bills paid and stay out of debt in the event of a mishap.

Benefit Table

Benefits Maximum Benefit (HK$)
Plan 11 Plan 21 Plan 32 Plan 42 Plan BRO23
  1. Accidental Death Double Indemnity4
1,000,000 1,500,000 1,000,000 1,500,000 300,000
  1. Accidental Death or Permanent Disablement
500,000 750,000 500,000 750,000 150,000
  1. Accidental Cash Benefits5 (per week)
1,600 2,000 Not Applicable
  1. Accidental Medical Expenses6 (per accident)
15,000 20,000 15,000 20,000 10,000
  1. 24-Hour Worldwide Medical Evacuation & Repatriation
2,000,000

Remarks:

  1. Plans 1 & 2 are not applicable to applicants without stable fixed income, such as housewives and students.
  2. Plans 3 & 4 are applicable to applicants without stable fixed income, such as housewives and students.
  3. Plan BRO2 is applicable to applicants aged between 6 and 17. These applicants must enrol with their parent(s).
  4. Applicable to any of the following situations resulting in accidental death: traveling as a fare-paying passenger in a public courier, robbery, a fire or explosion within the residential building of the insured person's home.
  5. The Insured Person is required to submit a sick leave certificate issued by a registered medical practitioner and a written confirmation from the employer on his/her absence from work due to bodily injury before any compensation is payable under this benefit. If the period of sick leave is less than a week, the Accidental Cash Benefit will be paid on a pro-rata basis. However, no Benefit shall be payable for the first 3 days of the sick leave period in respect of any one claim.
  6. Physiotherapist, chiropractor, bonesetter and acupuncturist treatment expenses are covered up to HK$150 per consultation per day and HK$1,500 in annual aggregate.

Premium

  Monthly Premium (HK$)
Plan 11 128
Plan 21 178
Plan 32 98
Plan 42 128
Plan BRO23 38

Remarks:

  1. Plans 1 & 2 are not applicable to applicants without stable fixed income, such as housewives and students.
  2. Plans 3 & 4 are applicable to applicants without stable fixed income, such as housewives and students.
  3. Plan BRO2 is applicable to applicants aged between 6 and 17. These applicants must enroll with their parent(s).