Group Personal Accident

Tokio Marine's Group Personal Accident Insurance provides cover for insured who suffers bodily injury resulting in death or permanent disablement and medical expenses. The features and benefits are summarized as follows:

Coverage and Additional Benefits
Coverage
1. Death
 
Pay up to the Sum Insured in respect of death of any Insured Person as a direct result of an accident during the period of insurance.
2. Permanent Disablement
 
Pay up to the amount stated in the Scale of Benefits if any Insured Person is injured during the period of insurance and within 12 months of its happening the injury is the sole cause of the disablement.
3. Temporary Total Disablement
 
Pay the weekly benefit if any Insured Person suffers injury during the period of insurance which results in the Insured Person being totally unable to attend his occupation as stated in the Schedule. (subject to underwriting)
4. Medical Expenses
(Registered Medical Practitioner only)
 
Pay up to the Sum Insured the actual medical expenses necessarily and reasonably incurred for medical treatment within 104 weeks of its happening if any Insured Person suffers injury during the period of insurance and provided such treatment is received from a legally qualified and registered medical practitioner.
Additional Benefits
1. Gas Poisoning or Suffocation
 
Either of the following events is deemed to be an accident and cover will be provided for such events:
  1. death or any injury due to gas poisoning as result of accidental and sudden release of gas, or
  2. death or any injury due to suffocation in consequence of a fire in a confined area
2. Clothing and Personal Effects Damage Compensation
(applicable when the Insured Person has taken out Medical Expenses cover)
 
We will pay to the Insured Person who sustains injury and damage to the clothing as well as personal effects at the same accident (but only to the extent that they are not recoverable from any other source) to an amount not exceeding HK$2,500 in respect of any one event provided that Medical Expenses is also payable.
3. Bonesetter Treatment Expenses
(applicable when the Insured Person has taken out Medical Expenses cover for HK$10,000 or more)
 
We will pay the bonesetter treatment expenses necessarily and reasonably incurred and supported by receipts from a licensed or registered bonesetter for an amount not exceeding HK$1,500 in annual aggregate. We shall not be liable for more than HK$150 per consultation which cannot be more than one visit per day.
4. Funeral and Cremation Expenses
 
We will pay the funeral and cremation expenses necessarily and reasonably incurred and supported by receipted accounts from a recognized undertaker/transporter within Hong Kong (but only to the extent that they are not recoverable from any other source) to an amount not exceeding HK$25,000 in respect of the death of the Insured Person for whom compensation is payable.
Major Exclusions
  • Sickness, self-inflicted injuries, pregnancy or childbirth
  • Engaging in parachuting, hang gliding, steeplechasing, ski-jumping, ice hockey, potholing, underwater activities requiring the use of compressed air or gas, mountaineering or rock climbing requiring the use of guides or ropes, professional sports, aviation except as a fare-paying passenger
  • Engaging in service or duty with the Police or Fire Services or armed force
  • War, nuclear fission or fusion and radioactive contamination, terrorist attacks by chemical and/or biological substances
  • For details, please refer to the Policy
Note
  • Age Limit - This insurance shall not apply to any Insured Person who is aged over 70 or during the currency of cover attains the age of 70.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.