Personal Accident

Tokio Marine's Personal Accident Insurance provides cover for insured who suffers bodily injury resulting in death or permanent disablement within 12 months from the date of accident.

Coverage

Coverage
Accidental Death and Permanent Disablement (Basic Cover)
If you suffer bodily injury resulting in death or permanent disablement within 12 months from the date of accident, we will pay cash benefits according to the scale of benefits.
Temporary Total Disablement (Optional Cover)
If you are totally disabled and unable to engage in or attend to your occupation or business as a result of bodily injury, we will pay a specified weekly benefit for such period of temporary disablement. The maximum period for this benefit is 104 weeks. (The amount insured for Temporary Total Disablement shall not exceed 75% of your average weekly income)
Medical Expenses (Optional Cover) (Registered Medical Practitioner only)
If you require medical treatment from a hospital or clinic for injury resulting from an accident, we will pay the actual necessary and reasonable medical expenses incurred provided such treatment is received from a legally qualified and registered medical practitioner. (The amount insured for Medical Expenses shall not exceed 10% of the sum insured for Death and Permanent Disablement or maximum HK$30,000 whichever is the less)
Free Additional Benefits
1.	Double Indemnity
	Death Benefits will be doubled up to a maximum amount of HK$1,000,000 if the accident is a result of traffic accident while you are travelling as a fare-paying passenger in the following public common carrier licensed to carry passenger: underground railway, railway train, tram car, taxi, public bus, ferry or scheduled airlines robbery or attempted robbery fire or suffocation as a result of fire at residential building
2.	Extended Spouse Cover (applicable when you have taken out Death and Permanent Disablement cover for HK$1,000,000 or more)
	Free Accidental Death Benefits for your spouse up to HK$100,000
3.	Compassionate Compensation for Dependent Children (applicable when you have taken out Death and Permanent Disablement cover for HK$1,000,000 or more)
	If both you and your spouse died in the same accident, HK$50,000 will be payable to each of your dependent children under 18 years old up to a maximum of HK$200,000 in total (i.e. 4 children)
4.	Gas Poisoning or Suffocation
	Gas poisoning or suffocation is deemed to be an accident and cover will be provided for such events.
5.	Clothing and Personal Effects Damage Compensation (applicable when you have taken out Medical Expenses cover)
	If you suffer bodily injury and your clothing as well as personal effects are also damaged at the same accident (but only to the extent that they are not recoverable from any other source), we will pay compensation up to HK$2,500 in respect of any one event provided that you are entitled to compensation under Medical Expenses.
6.	Hospital Confinement Allowance
	If you have to be confined in hospital for treatment of bodily injury, we will pay a weekly benefit of HK$500 for such period of confinement up to a maximum period of 52 weeks.
7.	Bonesetter Treatment Expenses (applicable when you have 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.
8.	No Claim Bonus
	In the event of no claim submitted or paid during the preceding policy year, the sum insured under Death and Permanent Disablement cover will be increased by 10% compounding each year over a 5-year period but subject to a maximum bonus of HK$500,000 in aggregate.
	Should a claim happen in any one period of insurance the benefit at next renewal shall revert to the initial sum when the Policy was first effected.
	No refund premium shall be made if you by any reason whatsoever do not require this increase in cover.
9.	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 your death resulting from accidental bodily injury.
10.	Supplementary Provision – Personal Accident Worldwide Emergency Assistance Services
	24-Hour Worldwide Emergency Assistance Services - Dedicated emergency assistance hotline (Hong Kong) 2862-0117 provides immediate assistance whenever you encounter any accident during your overseas trip. Services include Medical Evacuation, Repatriation, Deposit Guaranteeing of Hospital Admission, etc.
	(Note: This service is provided by Inter Partner Assistance. You may need to bear the cost of services, if any, being incurred.)

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

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

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