• PAMultiple Personal Accident Insurance Plan

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PAMultiple Personal Accident Insurance Plan

Multiple personal accident insurance protection

The plan provides you with tailored coverage for children, adults and the elderly to meet accidental risk exposures. It covers accidental death, permanent disablement, accidental medical expenses and daily hospital income. In addition to providing up to HKD 1,000,000 accident protection, the plan has guaranteed acceptance* and is lifetime renewable.

Remarks:
*Zurich reserves the right of final approval and decision.
  • Plan Highlights

    Injured person Accidental death and disability protection

    • Protection up to HKD 1 million
    • In the event of a serious accident leading to permanent disability or even death, a lump-sum will be paid to cover mortgage, rent, care of child(ren) or parents, and other expenses

    Kneel Accidental medical expenses

    • Hospital and outpatient medical expenses up to HKD 30,0001
    • Including hospitalization, outpatient service, Chinese medicine bone-setting, acupuncture, chiropractic and physiotherapy expenses2

      Company modular Additional cover

      • Cover of general small accidents, general sports, amateur dangerous sports, natural disasters, traffic accidents, terrorist activities, etc.

      Hand No claim discount

      • If no claim has been made in the period of insurance, you are entitled to a 5% no claim discount at annual renewal. The no claim discount can be accumulated up to 15%

      Form completion Premium discount

      • Once you enroll with at least one family member (your spouse, child(ren), parents or parents-in-law) at the same time, an extra 10% discount will be offered to all of you

      Remarks:
      1. Calculated based on Adult Plan B
      2. Some items have individual sub-limits

    • Examples of accidents

      health insurance Small-scale and daily accidents

      • Housewives’ getting injured from household accidents
      • Food, drink and gas poisoning
      • Robbery

      Kneel Accidents caused by sports

      • Falling down during hiking, accidents during ball games
      • Dangerous amateur sports such as winter sports, scuba diving, rock climbing, horse riding, etc.

      The above examples are for reference only. Zurich reserves the right of final approval and decision.

      Injured person Traffic accidents

      • Accidents caused on public transport

      Company modular Other accidents

      • Natural disasters
      • Terrorist attacks
    • Plan Coverage
      • Junior Cover
      • Core Benefits (Applicable to all types of cover)
      • Adult Cover
      • Elderly Cover
      • Classification of Occupation

      (Aged 6 months - 17 years, aged 18 - 23 years unmarried full-time student)

      Children need extra care, which is why we provide an insurance plan secure for their everyday life

      • School activities - an extra cover up to HKD100,000 for accidents that happen during school activities or transportation between residence and school causing the death or permanent disablement of the insured junior.
      • Extra medical expenses protection - an extra cover up to HKD20,000 for overseas accidental medical expenses.
      • Parent annual leave compensation - if the insured junior is confined to hospital due to an accident and a parent takes annual leave from employer to take care of the insured junior, an annual leave compensation benefit of HKD200 per day, up to a maximum of ten days, will be provided to the parent.
      • Pet attack or child abuse protection - extra hospital cash benefit up to HKD300 per day, with a limit of 31 days, will be provided in case the insured junior is confined to hospital due to pet attack or child abuse.

      Maximum benefits per insured person per year (HKD)

      Coverage Plan A  Plan B
      Accidental Death and Permanent Disablement1
      Accidental Death and Permanent Disablement 150,000 300,000
      (a) Burns

      75,000

      150,000
      (b) Burial/cremation costs 30,000 30,000
      (c) Home nursing fee 200/day
      (Max. 31 days per accident)      		 200/day
      (Max. 31 days per accident)
      (d) Extra indemnity:
      Accidents during school activities      		 100,000 100,000
      Accidental Medical Expenses
      In-patient and out-patient medical treatment expense, include:
      Out-patient fees, room and board charges, surgical fees, operating theatre fees, laboratory test fees and anaesthetist's fee       		10,000/accident 20,000/accident

      Inclusive of:

      Chinese medicine bone-setting expenses, Chinese medicine acupuncture expenses, chiropractic expenses and physiotherapy expenses
      		 2,000/year 2,000/year
      Extra indemnity:
      Overseas accidental medical expenses      		 10,000/year 20,000/year
      Extra Benefits
      (a) Broken bones 10,000 10,000
      (b) Home Renovation Expenses 25,000 25,000
      (c) Trauma counselling 5,000
      (1,000 per visit)      		 5,000
      (1,000 per visit)
      (d) Clothing and personal effects damage compensation 3,000 3,000
      (e) Recovery equipment 10,000 10,000
      (f) Parent/Spouse annual leave compensation 200/day
      (Max. 10 days per accident)      		 200/day
      (Max. 10 days per accident)
      Hospital cash benefit 100/day
      (Max. 31 days per accident)      		 200/day
      (Max. 31 days per accident)
      Hospital cash for pet attack/ child abuse 200/day
      (Max. 31 days)      		 300/day
      (Max. 31 days)
      Zurich emergency assistance Available Available
      No claims discount Available Available

      Note:

      1. Permanent disablement benefit will be payable according to the scale of benefit as stated in the compensation table of the policy.

      Accidental death and permanent disablement1

      • Compensation is payable in the event of death or permanent disablement caused within 12 months of an accident.
      • Benefit covers second or third degree burns, burial / cremation cost and home nursing fee.

      Note:
      1. Permanent disablement benefit will be payable according to the scale of benefit as stated in the compensation table of the policy.


      Accidental medical expenses

      • Provide extensive protection against various medical expenses including both outpatient and inpatient medical expenses and other treatments like Chinese medicine bone-setting expenses for bodily injury due to an accident.
        • Chinese medicine bone-setting expenses, Chinese medicine acupuncture expenses, chiropractic expenses and physiotherapy expenses up to HKD2,000/ year, subject to the sub-limits below:
          • Chinese medicine bone-setting expenses, Chinese medicine acupuncture expenses, and/or chiropractic expenses: max. HKD150/ visit/ day; 5 visits/ accident;
          • Physiotherapy expenses: max. HKD500/ visit/ day; 4 visits/ accident
      • The plan also covers the expenses on the purchase of recovery equipment such as wheelchairs, crutches and neck support tools recommended by your attending doctor or physiotherapist.

      Extra benefits

      • We understand that victims may be required to have counseling session after experiencing an unpleasant event. Hence, we will reimburse the insured person for the cost of trauma counseling.
      • We will reimburse the expenses incurred in renovating the principal home of the insured person for the purpose of coping with the permanent total disablement caused by an accident.
      • Extra protection for broken bones due to accident
      • Zurich Emergency Assistance provides you with various services in the event of accident occurred outside Hong Kong for a travel period not exceeding 90 days.
        • Unlimited cover on transport for emergency medical evacuation of the insured person back to Hong Kong or to the nearest place for treatment, or to provide a repatriation of mortal remains;
        • Hospital admission guarantee up to HKD39,000;
        • Medical service referral, legal referral, interpreter referral and pre-trip information assistance such as visa requirements

      (Aged 18 - 70 years)

      Working hard is important. With our special care for your protection, you can also de-stress and relax all you want.

      • Accident protection up to HKD1,000,000
      • Double the cover on accidental death and permanent disablement for the accident occurred when the insured person is a passenger of a public common carrier, or is a victim of robbery or as a result of natural disaster, or suffers injury during Saturday, Sunday or general holidays in Hong Kong resulting in the death or permanent disablement of the insured person.
      • Spouse annual leave compensation - If the insured person is confined to hospital due to an accident and the spouse takes annual leave from employer to take care of the insured person, an annual leave compensation benefit of HKD200 per day, up to a maximum of ten days, will be provided to the spouse.

      Maximum benefits per insured person per year (HKD)

      Coverage Plan A  Plan B
      Accidental Death and Permanent Disablement1
      Accidental Death and Permanent Disablement 500,000 1,000,000
      (a) Burns

      250,000

      500,000
      (b) Burial/cremation costs 30,000 30,000
      (c) Home nursing fee 200/day
      (Max. 31 days per accident)      		 200/day
      (Max. 31 days per accident)
      (d) Double indemnity:
      Accidents where the insured person is a passenger of a public common carrier, or is a victim of robbery or as a result of natural disaster, or suffers injury during Saturday, Sunday or general holidays in Hong Kong      		 1,000,000 2,000,000
      Accidental Medical Expenses
      In-patient and out-patient medical treatment expense, include:
      Out-patient fees, room and board charges, surgical fees, operating theatre fees, laboratory test fees and anaesthetist's fee       		15,000/accident 30,000/accident

      Inclusive of:
      Chinese medicine bone-setting expenses, Chinese medicine acupuncture expenses, chiropractic expenses and physiotherapy expenses

      		 2,000/year 2,000/year
      Extra Benefits
      (a) Broken bones 50,000 50,000
      (b) Home Renovation Expenses 25,000 25,000
      (c) Trauma counselling 5,000
      (1,000 per visit)      		 5,000
      (1,000 per visit)
      (d) Clothing and personal effects damage compensation 3,000 3,000
      (e) Recovery equipment 15,000 15,000
      (f) Parent/Spouse annual leave compensation 200/day
      (Max. 10 days per accident)      		 200/day
      (Max. 10 days per accident)
      (g) Hospital cash benefit 200/day
      (Max. 31 days per accident)      		 200/day
      (Max. 31 days per accident)
      Zurich emergency assistance Available Available
      No claims discount Available Available

      Note:

      1. Permanent disablement benefit will be payable according to the scale of benefit as stated in the compensation table of the policy.

      (Aged 71 - 80 years, renewable lifetime)

      The golden years are meant for more fun; we're here to help make sure you do.

      • Overseas accident - Extra protection up to HKD20,000 for overseas accidental medical expenses.
      • Broken bones and recovery equipment.
      • Home nursing fee benefit - HKD200 per day, up to 182 days.

       

      Maximum benefits per insured person per year (HKD)

      Coverage Plan A Plan B
      Accidental Death and Permanent Disablement1
      Accidental Death and Permanent Disablement 250,000 500,000
      (a) Burns 150,000 200,000
      (b) Burial/cremation costs 30,000 30,000
      (c) Home nursing fee 200/day
      (Age < 81 years: max. 182 days/accident)
      (Age >= 81 years: Max. 31 days/accident)      		 200/day
      (Age < 81 years: max. 182 days/accident)
      (Age >= 81 years: max. 31 days/accident)
      Accidental Medical Expenses
      In-patient and out-patient medical treatment expense, include:
      Out-patient fees, room and board charges, surgical fees, operating theatre fees, laboratory test fees and anaesthetist's fee      		 5,000/accident
      (Age < 81  years: max. 20,000/year)
      (Age >= 81 years: max. 10,000/year)      		 10,000/accident
      (Age < 81 years: max. 40,000/year)
      (Age >= 81 years: max. 20,000/year)

      Inclusive of:

      Chinese medicine bone-setting expenses, Chinese medicine acupuncture expenses, chiropractic expenses and physiotherapy expenses
      		 Age < 81 years: 2,000/year
      Age >= 81 years: 1,000/year      		 Age < 81 years: 2,000/year
      Age >= 81 years: 1,000/year
      Extra indemnity:
      Overseas accidental medical expenses      		 5,000/accident
      (Max. 10,000/year)      		 10,000/accident
      (Max. 20,000/year)
      Extra Benefits
      (a) Broken bones Age < 81 years: 100,000
      Age >= 81 years: 50,000      		 Age < 81 years: 100,000
      Age >= 81 years: 50,000
      (b) Home Renovation Expenses 25,000 25,000
      (c) Trauma counselling 5,000
      (1,000 per visit)      		 5,000
      (1,000 per visit)
      (d) Clothing and personal effects damage compensation 3,000 3,000
      (e) Recovery equipment 20,000 20,000
      (f) Public hospital cash benefit 200/day
      (Max. 31 days per accident)      		 200/day
      (Max. 31 days per accident)
      (g) Zurich emergency assistance Available Available
      (h) No claims discount Available Available

      Note:

      1. Permanent disablement benefit will be payable according to the scale of benefit as stated in the compensation table of the policy.
      Classification of occupation  
      Class 1 & 2
      Indoor occupations with job duties which are office related only, or occupations which are mainly indoor and involve light manual work occasionally and without the use of machinery or engine.

      Office clerk, management, executive, lawyer, accountant, teacher, doctor, nurse, architect, indoor or outdoor sales representative, writer, social worker, health inspector, housewife, student, retiree, etc.
      Class 3, 4 & 5
      Indoor or outdoor personnel or workers involve light manual work; skilled or semi-skilled industrial workers with or without the use of light machinery or engine; skilled industrial workers who use large machinery or require high degree of manual work; or unskilled laborers.

      Waiter/waitress, cook, policeman, fireman, electrician, carpenter, plumber (household/indoor duties only), taxi/bus/light bus/truck driver (within HK territory only), deliveryman, hawker, machine/engine repairer, fuel station worker, elevator installation & repairer, etc.
      Major declined occupations
      Engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives including but not limited to explosive worker or demolition worker, performing as an actor/actress, kung fu instructor, stunt man, fisherman; naval, military or airforce service or operations or armed force services of any country or international authority; aircrew, ship crew, aerial worker; racing driver; jockey; underground and underwater worker; construction site worker; worker at height including but not limited to scaffolding worker; acrobat, circus trainer; war correspondent and worker exposed to dust or poisonous chemicals.

      Remarks

      • When the insured person reaches the age of 24 years upon policy renewal, the cover will be automatically converted from Junior Cover (any plan levels) to Plan A of Adult Cover, regardless of the insured person being an unmarried full-time student. When the insured person reaches the age of 71 years upon policy renewal, the cover will be automatically converted from Adult Cover to Elderly Cover and the plan level will remain the same under the new cover. Following the automatic conversion of cover, the applicable premium rate will be changed accordingly. If the insured person prefers to select another plan level, he/she can contact Zurich for arrangement.
      • Individual policy will be issued to each insured person regardless of whether the enrollment is made individually or as a family.
      • For insured person aged between six months and 17 years old at the policy effective date, the policyholder of this plan must be his/her parent or legal guardian. However, when the insured person attains the age of 18, he/she will automatically become the policyholder upon renewal.
      • Subject to the insurance cover of respective policies, any individual insured person under Adult Cover can enjoy up to a maximum limit of HKD10,000,000 for accidental death and permanent disablement benefit per life in aggregate of all policies issued by Zurich Insurance Company Ltd and/or its related companies.

      Major exclusions of this policy

      Being a crew member or an operator of any air carrier, war, nuclear radiation, any kind of sickness or disease, suicide, pregnancy, childbirth, engaging in any kind of professional sport, or any armed force.

      This policy excludes claims for death, disablement, injury or loss as a result of the insured person is engaging in duty for Occupation Class 3 or above or any occupation principally involving the use of light machinery or engines and any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment. Please check with Zurich if the proposer cannot determine his/her own occupational class.

    • Premium Table
      • Junior Cover
      • Adult Cover
      • Elderly Cover

      Premium per insured person (HKD)

      Premium payment mode Plan A Plan B
      Annual 516 936
      Monthly 43 78

      Premium per insured person (HKD)

      Premium payment mode Plan A Plan B
      Annual 996 1,896
      Monthly 83 158

      Premium per insured person (HKD)

      Premium payment mode Plan A Plan B
      Aged 71 - 80
      Annual 1,656 2,616
      Monthly 138 218
      Aged 81 - Lifetime (for renewal only)
      Annual 2,496 3,996
      Monthly 208 333
    • Downloads

    The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the 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 Insurance Company Ltd reserves the right of final approval and decision on all matters.