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Hong Kong Police Insurance Plan

Get cover together with your family members⁹ and enjoy perpetual 10% off on premium

Hong Kong Police Insurance Plan – Personal Accident and Medical Protection

Zurich cares the unique needs of each occupations. Hong Kong Police Insurance Plan offers flexible options of personal accident and medical insurance coverage to protect employees of Hong Kong Police Force and their beloved family members in case of accidents and/or diseases.

Coverage highlights

Cover pre-existing conditions from AIG policy

The pre-existing conditions covered by your AIG policy will be insured without full health declaration required. Special offer to designated plan level only and subject to specific requirements, premium, terms and conditions. Full health declaration will be required after promotion period.

(Promotion ends on Nov 30, 2023)

Personal accident cover highlights

On top of up to HKD 3,000,000 of personal accident coverage, extra indemnity for accidental death whilst on duty and on-duty accidental medical expenses are embedded. (Covers bone-setting, acupuncture, chiropractic and physiotherapy expenses³)

Optional medical cover highlights

On top of hospitalization and surgical coverage, daily hospital cash for confinement in public hospital and allowance for surgical procedure benefit for confinement in Hong Kong public hospitals are offered.

Free to choose doctors and treatment procedures

No restriction to the choice of doctors. No pre-approval required for hospitalization or diagnostic procedures.

Eligibility

The applicant	Employees of the Hong Kong Police Force aged between 18 to 65, renewable up to aged 69
Family members	Spouse, domestic partner, parents or parents-in-law of the applicant aged between 18 to 65, renewable up to aged 69 Unmarried and unemployed children of the applicant aged 15 days-21 years, renewable up to aged 21; and for full-time students, renewable up to aged 25

Enquiry number :
2968 2288

Enquiry email :
enquiry@hk.zurich.com

Service hours:

Mon to Fri: 9 a.m. to 5:30 p.m.

Closed on Saturdays, Sundays and public holidays

2 plan options

Option 1

Section 1 - Personal accident cover

Option 2

Section 1 - Personal accident cover

Section 2 - Medical cover (Optional)

Feature highlights

Section 1 - Personal accident cover
This section provides up to HKD 3,000,000 coverage on accidental death and permanent disablement and has extra compensation up to HKD 600,000 for on-duty accidental death. Other key benefits are as follows:

Up to extra HKD 100,000 coverage on accident during school activities for insured children of the police force member enrolled under this policy

Up to HKD 300,000 accidental burns coverage

Up to HKD 30,000 accidental fracture coverage

Up to HKD 25,000 scarring on face due to accident protection

Up to HKD 30,000 accidental medical expense coverage, including bone-setting, acupuncture, chiropractic and physiotherapy expenses

Up to extra HKD 10,000 on-duty accidental medical expenses
Section 2 - Medical cover (optional benefit)
The applicant might choose to add this optional cover, which provides medical coverage.

This cover provides an comprehensive coverage from pre-admission to post-hospitalization, including:

Medical expense reimbursement in Hong Kong hospitals

Pre-admission and post-hospitalization outpatient expenses

Home nursing fee

Rehabilitation and physical therapy expenses

Psychology and psychiatry expenses

Allowance for surgical procedure benefit⁴ for confinement in Hong Kong public hospitals

Download and learn more

Benefit Table

Part 1 - Personal accident cover
Part 2 - Medical cover

Section	Benefit items	Maximum benefits per insured person per policy year (HKD)
		Junior cover¹			Adult cover²
		Basic	Advanced	Prestige	Basic	Advanced	Prestige
	(a) Accidental death and permanent disablement	100,000	200,000	500,000	800,000	1,500,000	3,000,000
	(b) Extra indemnity: Police force member on-duty accidental death	N/A			150,000	300,000	600,000
	(c) Extra indemnity: accident during school activities	20,000	50,000	100,000	N/A
	(d) Burns	N/A	50,000	100,000	N/A	200,000	300,000
	(e) Broken bones	N/A	10,000	20,000	N/A	20,000	30,000
	(f) Scarring on face due to accident	N/A			N/A	12,500	25,000
	(g) Accidental medical expenses	N/A	10,000 per accident	20,000 per accident	N/A	20,000 per accident	30,000 per accident
	Inclusive of Chinese medicine bone-setting, Chinese medicine acupuncture, chiropractic and physiotherapy expenses³	N/A	2,000	4,000	N/A	2,000	4,000
	(h) Extra indemnity: Police force member on-duty accidental medical expense	N/A			N/A	5,000 per accident	10,000 per accident

Section	Benefit items	Maximum benefit per disability (HKD) (unless specified)
Section	Benefit items	Basic
2.	Medical Cover
2.1	Hospitalization and Surgical Expenses Cover
	(a) Daily room and board (maximum 90 days)	980
	(b) Miscellaneous charges	15,000
	(c) Attending doctor’s call fee (maximum 90 days)	900
	(d) Specialist consultation fee	3,000
	(e) Daily room and board for intensive care unit (maximum 30 days)	1,960
	(f) Surgical charges
	- Complex	48,000
	- Major	28,800
	- Intermediate	12,000
	- Minor	5,760
	(g) Anaesthetist’s fee
	- Complex	16,800
	- Major	10,080
	- Intermediate	4,200
	- Minor	2,016
	(h) Operating theatre charges
	- Complex	16,800
	- Major	10,800
	- Intermediate	4,200
	- Minor	2,016
2.2	Pre-admission and post-hospitalization Outpatient Cover
	(a) Pre-admission and post-hospitalization outpatient benefit⁵	2,000
	(b) Home nursing fee (maximum 90 days)	350
	(c) Rehabilitation and physical therapy expenses⁶	10,000
	(d) Psychology and psychiatry expenses⁶	10,000
2.3	Hospitalization in Public Hospital⁷ Cover
	(a) Daily hospital cash benefit (maximum 365 days)	300
	(b) Extra indemnity: Hospital cash for confinement in intensive care unit (maximum 30 days)	300
	(c) Allowance for surgical procedure benefit
	- Complex	10,000
	- Major	5,000
	- Intermediate	2,000
	- Minor	1,000
2.4	Cancer Allowance Cover⁸	5,000

Premium table

Section 1 - Personal accident cover
Section 2 - Medical cover

	Monthly premium (HKD)			Annual premium (HKD)
	Basic	Advanced	Prestige	Basic	Advanced	Prestige
Adult	30	110	200	360	1,320	2,400
Junior	5	45	60	60	540	720

Age of the insured	Monthly premium (HKD)	Annual premium (HKD)
Age of the insured	Basic	Basic
0-5	105	1,260
6-17	76	912
18-29	133	1,596
30-39	158	1,896
40-49	209	2,508
50-59	247	2,964
60-64	266	3,192
65-69	285	3,420

For aged 60 and above, 30% loading will applied for this "One-off arrangement for affected AIG customers.

Download
- Policy wording (2.62 MB/PDF)
Remarks
Junior cover is applicable to unmarried and unemployed children of the applicant aged 15 days to 21 years, renewable up to aged 21; and for full-time students, renewable up to aged 25

Adult cover is applicable to the applicant and spouse, domestic partner, parents, or parents-in-law of the applicant aged between 18 to 65, renewable up to aged 69.

This part is subject to the following sub-limits:

Chinese medicine bone-setting, Chinese medicine acupuncture and/or chiropractic expenses – HKD 200 per visit per day and five (5) visits per accident;

Physiotherapy expenses – HKD 500 per visit per day and four (4) visits per accident.

For confinement and surgery in Hong Kong public hospitals.

Including two pre-admission visits and all post-hospitalization follow-up visits on out-patient basis within 45 days after discharge from hospital.

Up to 180 consecutive days immediately after discharge from hospital.

Public hospital is defined as a public hospital which is listed within the hospital clusters in Hong Kong as defined by the Hospital Authority of Hong Kong.

The benefit is payable if any of insured person is diagnosed to be suffering from cancer during the period of insurance, the benefit will be paid one time only. Once the benefit is paid to the insured person, the benefit will then immediately cease to be in force under this policy and all subsequent renewal periods (if any) with regard to such insured person.

Family members refer to spouse, domestic partner, parents or parents-in-law of the applicant aged between 18 to 65, renewable up to aged 69; and unmarried and unemployed children of the applicant aged 15 days to 21 years, renewable up to aged 21; and for full-time students, renewable up to aged 25.