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

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

The person insured covered by Section 2 – Medical cover (Optional benefit) may opt to enroll in this up to HKD 300,000 supplementary major medical cover to take care of the surgical and hospitalization expense in excess of Section 2’s limits.

1. 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
2. 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.
3. 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.
4. For confinement and surgery in Hong Kong public hospitals.
5. Including two pre-admission visits and all post-hospitalization follow-up visits on out-patient basis within 45 days after discharge from hospital.
6. Up to 180 consecutive days immediately after discharge from hospital.
7. 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.
8. 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.