Overview

Protects you and your loved ones with a compensation in the event of accidents.

Key Features

  • Accidental Cash Benefit

    Up to a HK$2,000 Weekly Cash Benefit is payable for a maximum of 104 weeks. The maximum compensation is as high as HK$208,000^.

  • Death Double Benefit

    Up to HK$1,500,000 lump sum cash payment for death resulting from accidental bodily injury.

  • Medical Expenses

    Up to HK$20,000 Accidental Medical Expense Coverage for any one accident injury for outpatient treatment and hospitalisation.

  • 24/7 Accident Assistance

    Includes 24-hour Worldwide Medical Evacuation and Repatriation to Hong Kong for an injury overseas.

^Weekly accidental cash benefit is only applicable to Plans 1 & 2 which are eligible to applicants who have stable fixed income only.

Benefits

    Maximum Benefits (HK$)
Plan11		 Maximum Benefits (HK$)
Plan21		 Maximum Benefits (HK$)
Plan32		 Maximum Benefits (HK$)
Plan42		 Maximum Benefits (HK$)
Plan BRO23
1 Accidental Death Double Indemnity4 1,000,000 1,500,000 1,000,000 1,500,000 300,000
2 Accidental Death or Permanent Disablement 500,000 750,000 500,000 750,000 150,000
3 Accidental Cash Benefits5 (per week) 1,600 2,000 Not Applicable Not Applicable Not Applicable
4 Accidental Medical Expenses6 (per accident) 15,000 20,000 15,000 20,000 10,000
5 24-Hour Worldwide Medical Evacuation & Repatriation 2,000,000 2,000,000 2,000,000 2,000,000 2,000,000

REMARKS

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 Table

  Monthly Premium (HK$)
Plan11 128
Plan21 178
Plan32 98
Plan42 128
Plan BRO23 38
Important Note: Collection of Levy on Insurance Premium
With effect from 2018-01-01, the Levy collected by Insurance Authority will be imposed on the above premium amount at the applicable rate. For further information, please visit msig.com.hk.

REMARKS

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).

Major Exclusions

  1. War, suicide, self-inflicted injuries, any sports in a professional capacity, people employed in a police force, army, fire services or security guard services, sickness, disease, childbirth or pregnancy, nuclear weapons, radioactive contamination.
  2. Major Occupation Exclusions: This plan does not cover any claim arising from actors, entertainers or stunt persons, air crew, casino or other gambling establishment staff, nightclub, sauna or massage parlour staff and police or armed forces personnel.

Let's get in touch

Please contact MSIG at 3122 6722.

Hotline service hours:

Monday to Friday 9:00 am to 5:30 pm

Disclaimer and Important Notes

The above plan is underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG") which is a general insurer authorized and regulated by the Commissioner of Insurance of the HKSAR. Standard Chartered Bank (Hong Kong) Limited ("Standard Chartered Bank (Hong Kong) Limited") is an insurance agent appointed by MSIG. To the extent permissible by law, Standard Chartered Bank (Hong Kong) Limited shall not be liable to any person for the use of any of the above information.

The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact MSIG.

The material and information contained on this Web Site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this Web Site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

The above plan, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions

In respect of an eligible dispute arising between Standard Chartered Bank (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, Standard Chartered Bank (Hong Kong) Limited is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly MSIG and the customer.

Let's get in touch