Personal accident insurance
Accidents are unpredictable.
personal accident insurance helps you to stay prepared.
Our personal accident insurance provides comprehensive protection with coverage in Hong Kong and worldwide, including medical, hospitalization, physiotherapy, and Chinese bone-setting reimbursement benefit, and offers a lump‑sum benefit for accidental death and dismemberment benefit to support your loved ones financially when the unexpected happens.
Accidents are unpredictable.
personal accident insurance helps you to stay prepared.
Our personal accident insurance provides comprehensive protection with coverage in Hong Kong and worldwide, including medical, hospitalization, physiotherapy, and Chinese bone-setting reimbursement benefit, and offers a lump‑sum benefit for accidental death and dismemberment benefit to support your loved ones financially when the unexpected happens.
Personal accident insurance:
Two paths to peace of mind
Breezy Care Personal Accident Insurance Plan
Apply now with promo code "NEWPA30" to enjoy an online exclusive 30% first-year premium discount. Offer ends on Aug 31, 2026. Terms and conditions apply。
- Family Protection: For extended family plan, coverage up to HKD 8 million, with up to HKD 3.5 million coverage for accidental death and permanent disablement of the family breadwinner(s)
- Accident Medical Expenses: Up to HKD 300,000, covering hospitalization and various outpatient expenses. Outpatient accident expenses (such as bone-setting, acupuncture, and physiotherapy) have no daily limits
- Dangerous Amateur Sports1 Coverage: Covers a wide range of dangerous amateur sports such as winter sports, scuba diving, horse-riding and more
Perfect for:
🤓Prioritize protection over savings- Want higher accidental death / permanent disablement coverage at lower cost
- Need to protect multiple family members
Zurich Guard Refundable Accident Insurance Plan
Total premium of HKD 1 for the first month, limited time only, apply now!
- Premium refund: Receive a 100% of premium refund at Policy Maturity even after making claims. If no claim has been made during the Policy Term, receive an additional 5% of premium refund as No Claim Bonus Benefit. Both combine up to 105% of total premium paid.
- Accidental Medical Expenses Reimbursement & Hospital Income: Covers expenses for Chinese medicine, acupuncture, chiropractic & physiotherapy, and daily income support during hospitalization if incurred due to the Bodily Injury caused by an Accident
- Accidental Death and Dismemberment Benefit: Up to HKD 2 million coverage under specific conditions
Perfect for:
💰Professionals planning ahead, seeking protection with premium refund- Enjoy premium refund, even if claims are made
- Frequently travel to GBA (Extra Accidental Cash Benefit for travelling between HK & GBA)
Breezy Care Personal Accident Insurance Plan
Apply now with promo code "NEWPA30" to enjoy an online exclusive 30% first-year premium discount. Offer ends on Aug 31, 2026. Terms and conditions apply。
- Family Protection: For extended family plan, coverage up to HKD 8 million, with up to HKD 3.5 million coverage for accidental death and permanent disablement of the family breadwinner(s)
- Accident Medical Expenses: Up to HKD 300,000, covering hospitalization and various outpatient expenses. Outpatient accident expenses (such as bone-setting, acupuncture, and physiotherapy) have no daily limits
- Dangerous Amateur Sports1 Coverage: Covers a wide range of dangerous amateur sports such as winter sports, scuba diving, horse-riding and more
Perfect for:
🤓Prioritize protection over savings- Want higher accidental death / permanent disablement coverage at lower cost
- Need to protect multiple family members
Still indecisive? Let's compare personal accident insurance plans side by side
To give you a clear overview, we have listed the accident insurance of key coverage of both plans below for your easy comparison.
| Breezy Care Personal Accident Insurance Plan | Zurich Guard Refundable Accident Insurance Plan | |
|---|---|---|
| Type of Coverage | Pure protection More affordable premium |
Protection with premium refund (At maturity, 105% premium refund if no claims are made and 100% premium refund even if claims are made) |
| Family Coverage | Individual Family Plans (Spouse/Domestic partner & children included) |
Individual Family Plans (Single person coverage) |
| Target Audience | Individuals or growing families who look for affordable and decent accident coverage | Individuals who look for the accident coverage with premium refund function |
| View all benefits | View all benefits |
Looking for more specific personal accident insurance coverage?
Who needs personal accident insurance?
Accidents are often unpredictable. No matter your life stage or the accident you face, Zurich's personal accident insurance provides essential accident insurance coverage. From family breadwinners to active young people, our personal accident insurance is a reliable support for you.
Primary breadwinner of the family
If you support a family or have loved ones who depend on your earnings, personal accident insurance helps reduce the financial burden if you're unable to work due to an accident. It helps ease your family financial burden, cover essential expenses—like bills, education, or daily living costs—while you recover.
Students and young adults
If you’re studying, starting your career, or living away from home for the first time, life can be full of new experiences—and surprises. Personal accident insurance helps reduce the financial burden if you’re injured due to an accident, so you can stay focused on your goals, knowing you’re covered for the unexpected.
Enjoying active lifestyles or sports
If you regularly participate in sports, outdoor activities, or adventurous hobbies, you may be more exposed to injuries2. Personal accident insurance gives you extra peace of mind, helps to reduce your financial burden if an accident happens during your active pursuits.
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Primary breadwinner of the family
If you support a family or have loved ones who depend on your earnings, personal accident insurance helps reduce the financial burden if you're unable to work due to an accident. It helps ease your family financial burden, cover essential expenses—like bills, education, or daily living costs — while you recover.
Students and young adults
If you’re studying, starting your career, or living away from home for the first time, life can be full of new experiences — and surprises. Personal accident insurance helps reduce the financial burden if you’re injured due to an accident, so you can stay focused on your goals, knowing you’re covered for the unexpected.
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Enjoying active lifestyles or sports
If you regularly participate in sports, outdoor activities, or adventurous hobbies, you may be more exposed to injuries2. Personal accident insurance gives you extra peace of mind, helps to reduce your financial burden if an accident happens during your active pursuits.
What is the difference between personal accident insurance and medical insurance?
Personal accident (PA) insurance and medical insurance both help cover costs when you’re injured, but there are key differences:
Personal accident insurance
- Provides coverage for medical expenses, permanent disability, and death caused by accidents.
- Compensation is generally made through actual expense reimbursement, lump-sum payments, and weekly cash allowances.
- Unlike medical insurance, personal accident insurance can provide benefits for minor accidents that do not require hospitalization, such as physiotherapy or bone-setting expenses.
Medical insurance
- Covers medical expenses arising from illness or accidents, including hospitalization and prescription drug costs.
- Compensation is generally made on an actual expense reimbursement basis. Additionally, it typically requires the insured to be hospitalized in order to receive actual expense reimbursement.
- Unlike personal accident insurance, medical insurance does not include coverage for accidental death or permanent disablement.
Frequency Asked Questions (FAQs)
Personal accident insurance typically reimburses medically necessary expenses resulting from bodily injury caused by accident. Coverage may include3:
- Hospitalization and surgery fees
- Chiropractic treatment fees
- Physiotherapy fees
- Chinese bone-setting and acupuncture fees
- Diagnostic scan fees, such as CT scans, MRI, ultrasound, and X-ray examinations
For Zurich Guard Refundable Accident Insurance Plan, even if you make a claim during the policy term, you may receive a 100% premium refund at maturity. However, if no claims are made during policy term, you will receive an additional no claim bonus benefit of 5% of the total premiums paid. Together with the 100% premium refund, you could receive up to 105% of the total premiums paid to celebrate your safe life journey.
If you choose the Breezy Care Personal Accident Insurance Plan and no claims are made during the policy period, you can enjoy a renewal discount of up to 15%. For details and applicable terms, please refer to the policy documents.
Yes. Some personal accident insurance plans cover accidents happened in overseas or during travel. For the example of Zurich Guard Refundable Accident Insurance Plan, if the Life Insured has been entitled to any of the Accidental Death and Dismemberment Benefit, Double Benefit, Accidental Medical Expenses Reimbursement Benefit and/or Accidental Hospital Income Benefit, a lump-sum Accidental Cash Benefit will also be payable for the accidents occurring while traveling between Hong Kong and Greater Bay Area (“GBA”) with designated transportation. Please refer to the policy terms and conditions for this plan.
Breezy Care Personal Accident Insurance Plan also provides global personal accident coverage. We recommend that you review the policy terms of each plan before purchasing to choose the coverage that best suits your needs. Please check the details of different plans and pick the one suit your needs best.
Insurance companies generally do not cover high-risk occupations. Common examples include war correspondents, construction workers, professional drivers, and professional athletes. If you have any questions, it is recommended to understand the covered occupations or consult the insurance company before purchasing.
Generally, personal accident insurance covers common amateur sports such as ball games, amateur marathons, hiking, skiing, and riding roller coasters. However, high-risk activities like diving and skydiving may not be covered. It is advisable to carefully review the coverage scope and policy terms before purchasing.
For example, Zurich’s Breezy Care Personal Accident Insurance Plan also covers amateur activities1 like winter sport, water skiing, rock climbing, horse riding and diving. Coverage and policy terms may vary between different personal accident insurance plans, so it’s important to carefully review the scope of coverage before purchasing.
Most personal accident insurance plans on the market have age restrictions for enrollment (generally between 60 and 70 years old). However, Breezy Care Personal Accident Insurance Plan is available for individuals up to 80 years old and offers lifelong renewal with no age restrictions, making it a rare option in the market and ideal for elders.
For Zurich Guard Refundable Accident Insurance Plan, the maximum enrollment age is 66 (Age next birthday). Please refer to the relevant product brochures and policy terms for more details.
Remarks:
1 Insured are not in a professional capacity or where the insured person would or could earn income or remuneration from engaging in such sport.
2 Subject to exclusions. Please refer to policy provisions for details.
3 The above coverage applies only to Zurich’s personal accident insurance plans. Coverage under personal accident insurance plans from other insurers may vary. Customers are advised to carefully read the policy wording and terms of their chosen plan before purchasing to understand the specific coverage and limitations.
Disclaimer
The above life insurance plans and general insurance plans are respectively underwritten by Zurich Life Insurance (Hong Kong) Limited (a company incorporated in Hong Kong with limited liability) and Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) (“Zurich”), and are intended only for sale in the Hong Kong SAR. This material should not be regarded as an offer or solicitation to sell any insurance products or services in any jurisdiction in which such offer or solicitation would be unlawful in such jurisdiction.
The above information is for reference only and does not constitute any part of the insurance contract. The above information does not contain the full terms of the plans. For product features, full terms and conditions, exclusions and important information (including risk disclosures, where applicable), please refer to the relevant product factsheet (if any) and policy document, which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich reserves the right of final approval and decision on all matters.