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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
Eligibility
| The applicant | Employees of the Hong Kong Police Force aged between 18 to 65, renewable up to aged 69 |
| Family members |
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3 plan options for better flexibility
Option 1
Section 1 - Personal accident cover
Option 2
Section 1 - Personal accident cover
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Section 2 - Medical cover (Optional)
Option 3
Section 1 - Personal accident cover
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Section 2 - Medical cover (Optional)
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Section 3 - Supplementary major medical cover (Optional)
Feature highlights
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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
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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
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Section 3 - Supplementary major medical cover (optional benefit)
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.
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Benefit Table
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) Basic Advanced Prestige 2. Medical Cover 2.1 Hospitalization and Surgical Expenses Cover (a) Daily room and board (maximum 90 days) 980 1,960 2,980 (b) Miscellaneous charges 15,000 25,000 36,000 (c) Attending doctor’s call fee (maximum 90 days) 900 1,800 2,700 (d) Specialist consultation fee 3,000 6,000 10,000 (e) Daily room and board for intensive care unit (maximum 30 days) 1,960 3,920 5,960 (f) Surgical charges - Complex 48,000 64,000 96,000 - Major 28,800 38,400 57,600 - Intermediate 12,000 16,000 24,000 - Minor 5,760 7,680 11,520 (g) Anaesthetist’s fee - Complex 16,800 22,400 33,600 - Major 10,080 13,440 20,160 - Intermediate 4,200 5,600 8,400 - Minor 2,016 2,688 4,032 (h) Operating theatre charges - Complex 16,800 22,400 33,600 - Major 10,800 13,440 20,160 - Intermediate 4,200 5,600 8,400 - Minor 2,016 2,688 4,032 2.2 Pre-admission and post-hospitalization Outpatient Cover (a) Pre-admission and post-hospitalization outpatient benefit5 2,000 3,000 5,000 (b) Home nursing fee (maximum 90 days) 350 550 750 (c) Rehabilitation and physical therapy expenses6 10,000 15,000 20,000 (d) Psychology and psychiatry expenses6 10,000 15,000 20,000 2.3 Hospitalization in Public Hospital7 Cover
(a) Daily hospital cash benefit (maximum 365 days) 300 500 700 (b) Extra indemnity: Hospital cash for confinement in intensive care unit
(maximum 30 days)300 500 700 (c) Allowance for surgical procedure benefit - Complex 10,000 20,000 30,000 - Major 5,000 10,000 15,000 - Intermediate 2,000 4,000 6,000 - Minor 1,000 2,000 3,000 2.4 Cancer Allowance Cover8 5,000 10,000 20,000 Section Benefit items Sum insured (HKD) Basic Advanced Prestige 3. Maximum limit per disability 100,000 200,000 300,000 Reimbursement percentage of the remaining balance in excess in Section 2 80% -
Premium table
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) Basic Advanced Prestige Basic Advanced Prestige 0-5 105 209 376 1,260 2,508 4,512 6-17 76 152 274 912 1,824 3,288 18-29 133 266 479 1,596 3,192 5,748 30-39 158 316 568 1,896 3,792 6,816 40-49 209 418 753 2,508 5,016 9,036 50-59 247 494 890 2,964 5,928 10,680 60-64 266 532 958 3,192 6,384 11,496 65-69 285 570 1,026 3,420 6,840 12,312 Age of the insured Monthly premium (HKD) Annual premium (HKD) Basic Advanced Prestige Basic Advanced Prestige 0-5 32 63 113 384 756 1,356 6-17 23 46 82 276 552 984 18-29 40 80 144 480 960 1,728 30-39 47 95 170 564 1,140 2,040 40-49 63 115 226 756 1,500 2,712 50-59 74 148 267 888 1,776 3,204 60-64 80 160 287 960 1,920 3,444 65-69 86 171 308 1,032 2,052 3,696 -
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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.