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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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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
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Section 2 - 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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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 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
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 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. -
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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.
- 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.