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Disability of body, limbs, eyes, death, deafness, broken bones, etc. caused by an obvious external accident will be covered according to the extent of the disability. The full amount or a portion of the insured amount will be paid according to the degree of disability.



Age Limit of Insured:
From the age of 16 until the age of 65.


Occupation category:
Category A: Clerical staff engaged in indoor work.
Category B: Field staff who are not engaged in manual work.
Category C: Manual labourers or engineers engaged in work that is not particularly hazardous.
Category D: Those who do not fall within the three occupational groups listed above.


Additional Insurance:
  1. Weekly Benefit for Temporary Total Incapacity: 
    If the above insurance is taken out, the insured amount will be payable for a period of total incapacity due to injury commencing within 90 days from the date of the accident, for a period of total incapacity certified by a registered medical practitioner, up to a maximum of 52 weeks. (Self-employed persons or proprietors are not eligible to purchase this additional insurance)
  2. Accidental Medical Expenses Benefit: 
    In the event of accidental bodily injury caused by the above insurance, reasonable expenses incurred for the treatment of such injury within 52 weeks, as certified by a registered medical practitioner or hospital, will be reimbursed. However, this benefit is limited to the amount of the medical benefit insured, regardless of whether it is a single accident or an accumulation of accidents.
Bonesetting, Physiotherapy and Chiropractic Expenses per visit:
  • Up to HK$500 per accident for bruising treatment.
  • Chiropractic and physiotherapy fees up to HK$1,000 per accident.


This Policy does not cover death or disablement directly or indirectly resulting from or consequent upon:
  1. War, hostilities or warlike operations, loss or damage from Act of Terrorism, civil war, rebellion, strikes, riots or caused by or contributed to by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exception combustion shall include any self-sustaining process of nuclear fission.
  2. Illness, infectious disease or by medical or surgical treatment (other than treatment required on account of an accident covered by this policy).
  3. The Insured willfully exposing himself to needless peril (except in an attempt to save human life), fighting, attack resulting from provocation or deliberate act of Insured or the Insured committing or attempting to commit suicide or self-injury or fighting or any criminal or felonious act.
  4. The Insured suffering injury by encountering murder.
  5. The Insured engaging in hunting, mountaineering necessitating ropes or guides, skating, water ski-ing, diving, winter sports, racing of any kind or professional sport.
  6. In case of the Insured engaging service in the force or police.
  7. Pregnancy, childbirth, dystocia or the result or consequence thereof.
  8. The Insured suffering from any Pre-Existing physical defect or infirmity which had not been declared to and accepted by the Company.

Premium: (based on one year)

Occupational category * Accidental Death
per $1,000 of coverage
* Accidental Death and Dismemberment
per $1,000 of coverage
** Weekly Benefit for Temporary Total Incapacity
per week per $100 of coverage
*** Accidental Medical Expenses Benefit
per $100 of coverage
Category A $ 0.80 $ 1.20 $ 30.00 $ 1.20
Category B $ 1.20 $ 1.60 $ 40.00 $ 1.50
Category C $ 2.10 $ 2.50 Not Applicable $ 2.00
Category D by proposal by proposal Not Applicable by proposal
For short term insurance, the premium can be calculated based on short term rate, but the minimum premium is HK$300.


* Coverage : From HK$50,000
** Temporary total incapacity weekly benefit : The weekly benefit shall not exceed 5% of the original sum insured and shall be based on actual weekly wages.
*** Accidental Medical Benefits : Up to one-tenth of the sum insured of the life insurance, starting from HK$5,000 to HK$50,000.


Free 24-hour Emergency Assistance Service:
China Taiping Insurance (Hong Kong) Limited will provide 24-hour worldwide hotline and medical support services for you when you are travelling abroad or on a business trip:
Hotline service Medical Support Services
Travel Visa Information   Maximum amount of compensation per incident
Referral for medical services, consultation, admission arrangements Emergency medical evacuation or repatriation No limit
Return of the body or ashes No limit
Consulate Information Arranging visits from friends and relatives (the injured/sick person must be hospitalized for more than seven days) One round-trip air ticket (economy class)
Loss of luggage
Emergency Ticketing Arrangements Arranging for the return of young children (aged under 18) One one-way air ticket (economy class)
Interpreter Consultation
Legal Support Services Guarantee of deposit for hospital admission US$6,500.00*
* An advance of US$6,500 is available from the Emergency Support Centre - as a guarantee of hospital admission and is covered under the insurance policy.


The Schedule of Benefits:
Item Injury Benefits
(一) Death (Accidental Death shall not in any way be presumed by reason of disappearance of the Insured except in the event of the total loss by wreck of the ship or aircraft on which the Insured was travelling.) 100% of the principal sum
(二) Total paralysis (resulting in being permanently bedridden or permanent disablement from engaging in or giving attention to profession or occupation) 100% of the principal sum
(三) Loss of two limbs (Actual physical severance through or above wrist or ankle joints), or total and irrecoverable loss of sight of both eyes, or loss of one Limb and total and irrecoverable loss of sight of one eye. 100% of the principal sum
(四) Loss of either one limb or sight of either one eye 50% of the principal sum
(五) Loss of Fingers or Toes (on each hand or foot):
  1. Loss of four fingers 40% of the principal sum
  2. Loss of thumb (both phalanges) 25% of the principal sum
  3. Loss of thumb (1 phalanx) or index finger (3 phalanges) 10% of the principal sum
  4. Loss of index finger (1 or 2 phalanges), or middle finger (3 phalanges) 6% of the principal sum
  5. Loss of middle finger (1 or 2 phalanges), or ring finger (3 phalanges), or little finger (3 phalanges) 3% of the principal sum
  6. Loss of ring finger (1 or 2 phalanges), or little finger (1 or 2 phalanges) 1% of the principal sum
  7. Loss of all toes 15% of the principal sum
  8. Loss of toe - great (both phalanges) 5% of the principal sum
  9. Loss of toe - great (one phalanx) or any other toes (two phalanges) 2% of the principal sum
  10. Loss of toe - any other than great (one phalanx) 1% of the principal sum
(六) Deafness, fracture of bones Such proportion to be assessed by registered doctor
(七) Disablement from engaging in or attending to the Insured’s business or occupation of any and every kind. According to the Weekly Indemnity Amount
  1. No Claim will be paid if the Insured is under 16th or over 65th birthdays, unless specially agreed.
  2. The total liability of the Company in respect of any claim or claims accumulated shall not exceed the total amount insured.
  3. Under Item 1, Death must occur within 12 calendar months from the date of accident.
  4. The Insured shall not be entitled to compensation under more than one of the Items in the Schedule in respect of any one accident with the exception of Item 7. The maximum payment of compensation under Item 5 shall not exceed 50% of the Principal Sum. (Losses must occur within 180 days from the date of Accident.)
  5. Under Item 7 no compensation shall be payable in respect of any one injury for more than 52 weeks from the commencement of the disablement, and the loss must occur within 90 days from the date of accident.

Product Enquiry: 3716 1616

* The information contained in this website is a general summary. All terms and conditions are set out in the policy.

China Taiping Insurance (HK) Company Limited