AccidentCare Plus Product Highlights Benefits Occupational Classification Premium Table Major Exclusions

Product Highlights
	24-hour Worldwide Personal Accident Insurance, on or off the job at home, at play and while traveling
	Covers a wide range of injury from the loss of a toe to paralysis
	Medical expenses for treatment of injury
	Free Extra Benefits:
	- Double Indemnity - Hospital Confinement Allowance - Double Indemnity for Medical Expenses incurred outside Hong Kong - Extended Spouse Cover - Compassionate Compensation for Dependent Children - Major Burns - Worldwide Emergency Assistance Services and Benefits

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Benefits
A. Accidental Death (Basic Cover)
	If the Insured Person is injured and dies within the following 12 months of the injury and that the injury is the sole cause of his/her death, a capital sum insured is payable.
B. Permanent Total Disablement (Basic Cover)
	If the Insured Person is injured and disabled within the following 12 months of the injury and that the injury is the sole cause of his/her disablement, a sum equal to the percentage of compensation specified in the Policy is payable.
OPTIONAL EXTRA BENEFITS
C. Temporary Total Disablement
	If the Insured Person is totally disabled from engaging in or attending to his/her usual employment or occupation, a weekly amount is payable for up to a period not exceeding 104 weeks from the 4th day of commencement of the eligible disability
D. Medical Expenses
	It pays the actual expenses for treatment of injuries incurred within 12 months from date of accident, including medical, surgical and nursing fees or charges, provided such treatment is received from a fully qualified and registered medical practitioner.
E. Chinese Bonesetter or Acupuncturist Treatment Expenses (This benefit must be insured simultaneously with above Medical Expenses benefit)
	It covers treatment by a Chinese Bonesetter or Acupuncturist up to HK$100 per visit per day and also not exceeding HK$1,000 per event and HK$3,000 per period of insurance.
FREE EXTRA BENEFITS
1. Double Indemnity
	Accidental 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 the Insured Person is 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 - gun battle between police and criminal - fire at residential building
2. Hospital Confinement Allowance
	In the event the Insured Person is confined in a hospital for treatment of bodily injury for more than 3 consecutive days, we will pay you HK$1,000 a week, up to HK$25,000 in total during the period of insurance. Benefit will be payable from the 4th day of confinement.
3. Double Indemnity for Medical Expenses incurred outside Hong Kong
	The limit of medical expenses benefit will be doubled if the expenses are incurred and consequent upon an accident happening outside Hong Kong.
4. Extended Spouse Cover (applicable when the Insured Person has taken out Basic Benefit for HK$1,000,000 or more)
	Free Accidental Death Benefits for Insured Person's spouse up to HK$100,000
5. Compassionate Compensation for Dependent Children (applicable when the Insured Person has taken out Basic Benefit for HK$1,000,000 or more)
	If both the Insured Person and his/her spouse died in the same accident, HK$50,000 will be payable to each of the Insured Person's dependent children under 18 years old up to a maximum of HK$200,000 in total (i.e. 4 children)
6. Major Burns
	In the event of the Insured Person suffers Third Degree Burns which cover more than 15% of the entire body surface, a sum equal to the percentage of Compensation specified in the Policy is payable.
7. 24 Hours Worldwide Emergency Assistance Services and Benefits
	If you are travelling abroad, free 24-hour worldwide emergency assistance cover will be provided which includes medical evacuation & repatriation, travel service assistance and legal referral.
*	The above services are arranged by International SOS (HK) Limited.

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Occupational Classification
Class 1 -
	Persons engaged in indoor or professional, administrative, managerial, clerical and non-manual occupations. e.g. Accountant, Banker, Clerk, Doctor, Teacher, Secretary, etc.
Class 2 -
	Persons engaged in outdoor duties of non-manual works and/or work of a supervisory nature. e.g. Outdoor Salesman, Commercial Traveller, Domestic Servant, Merchandiser, Messenger, Civil Engineer, etc.
Class 3 -
	Persons engaged in light manual work without using heavy machine. e.g. Restaurant Waiter, Private Car Driver (Local), Garment Worker, etc.
Class 4 -
	Persons engaged in manual works. e.g. Car Mechanics, Electrician, Plumber (Indoor), Commercial Vehicle Driver (Local), etc.
Those occupations not listed above will be considered on application.

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Premium Table
Annual Cost (% on the amount to be insured) Class 1 Class 2 Class 3 Class 4 Basic Benefits Coverage A. Accidental Death or 0.08% 0.1% 0.2% 0.3% B. Permanent Disablement Optional Extra Benefits Coverage C. Temporary Total Disablement (per week) 35% 40% 70% 90% D. Medical Expenses 3% 4% 6% 10% E. Chineses Bonesetter or Acupunctunist Treatment Expenses HK$120 HK$150 HK$180 HK$210
Note:
1. Minimum Premium
	Minimum Policy Premium is HK$500.00
2. Minimum Capital Sum Insured for Accidental Death or Permanent Disablement Benefit
	Accidental Death or Permanent Disablement (Basic Benefits) shall be subject to a minimum capital sum insured of
	- HK$500,000 for Class 1 & 2 occupation - HK$250,000 for Class 3 occupation, and - HK$150,000 for Class 4 occupation
3. Temporary Total Disablement Benefit
	3.1 Housewife, student, daily waged employee, casual worker, unemployed, self-employed, sole proprietor, retired as well as children are not entitled for Temporary Total Disablement benefit. 3.2 Weekly benefit of Class 1 & 2 occupation shall not exceed 80% of the Insured Person’s weekly income and up to 0.2% of the capital sum insured of Basic Benefit of HK$2,000, whichever shall be lesser. 3.3 Weekly benefit for Class 3 & 4 occupation shall not exceed 80% of the Insured Person’s weekly income or HK$700, whichever shall be the lesser. 3.4 For reimbursement under Temporary Total Disablement benefit, only original sick leave certificates issued by registered medical practitioner will be recognised. The Insured Person is also required to submit a written confirmation from the employer(s) on his/her absence from work due to injury before any compensation is payable.
4. Medical Expenses Benefit
	Medical Expenses benefit shall not exceed
	i 5% of the capital sum insured of Basic Benefit, or ii HK$50,000 for Class 1 & 2 occupation and HK$10,000 for Class 3 & 4 occupation, whichever shall be the lesser.

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Major Exclusions
The following is only a summary of the major exclusions. Please refer to the Policy for full details.
	Any death, disablement or injury caused by pre-existing physical or mental defects or infirmity, effects of alcohol or drugs, war, riot, strike, civil commotion, suicide or intentional self-injury, pregnancy or childbirth.
	Flying except as a passenger in a fully licensed passenger carrying aircraft.
	Motor cycling (as driver or passenger), winter sports (other than skating), mountaineering or rock climbing parachuting, hanggliding, underwater activities necessitating the use of breathing apparatus, any kind of racing (other than on foot or swimming), trial of speed or reliability or any sports in a professional capacity
	Act of terrorism.

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This brochure gives only an outline of the terms and conditions of the insurance cover and any information given herein is subject to the precise terms and conditions in our Policy, a specimen copy of which will be furnished to you on request.