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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

Download and learn more

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
  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

 

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

  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.
  9. 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.