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iSafe Accident Insurance
In the event of an accident, you and your family may need to cope with the financial stress and expenses. Available for individual and family enrolment, the comprehensive protection of iSafe Accident Insurance can provide financial support and help alleviate the heavy burden of cost for medical treatment.
Limited Time Offer
Apply on or before 31 Dec 2024 with promo code "MSIG20" to enjoy 40% off#
Extra rewards#:
Login for HK$1 net premium spent = MSIG$1
Redeem your gift on MSIG mobile app
# Asia Miles promotion cannot be used in conjunction with promo code and MSIG$ offer at the same time per policy.
Terms and Conditions
Protection when and where you need it
Extra benefits
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.
| Plans | Maximum Benefits Payable Per Policy Year (HK$) | |||
|---|---|---|---|---|
| Adult Plan A | Adult Plan B | Family Plan A | ||
| Parent | Child(ren) | |||
| Age (Attained Age) | 18 - 59 | 18 - 59 | 18 - 59 | 6 months - 17 |
Personal Accident | ||||
| Accidental Death Compensation is payable if the death takes place within 12 months after the accident | 500,000 | 1,000,000 | 500,000 | Each Child 100,000 All Children 500,000 |
| Permanent Disablement Compensation is payable if the disablement has continued for a period of 12 months from the date of accident and will in all probability continue for the remainder of the life | 500,000 | 1,000,000 | 500,000 | Each Child 100,000 All Children 500,000 |
| Double Indemnity Accidental Death Benefit will be doubled if the accident happened whilst travelling on a public transport conveyance as a fare-paying passenger anywhere other than in the Greater Bay Area. | 1,000,000 | 2,000,000 | 1,000,000 | Each Child 200,000 All Children 500,000 |
| Triple Indemnity Accidental Death Benefit will be tripled if the accident happened whilst travelling on a public transport conveyance as a fare-paying passenger anywhere in the Greater Bay Area | 1,500,000 | 3,000,000 | 1,500,000 | Each Child 300,000 All Children 500,000 |
| Medical Expenses (per accident) Covers medical, surgical, hospital, nursing home and nursing fees or charges necessarily and reasonably incurred | 10,000 | 20,000 | 10,000 | Each Child 2,500 All Children 10,000 |
Personal Liability | ||||
| Personal Liability Covers any claim against you if you are legally liable to pay as compensation for accidents which happen within Hong Kong and result in third party bodily injury or property damage | 500,000 | 1,000,000 | 500,000 | All Children 500,000 |
Extra Benefits | ||||
| Major Burns Covers 3rd degree burns | 250,000 | 500,000 | 250,000 | 50,000 |
| Extra Indemnity for General Holiday Extra indemnity if the bodily injury is suffered during general holiday in Hong Kong | 25,000 | 50,000 | 25,000 | 25,000 |
| Funeral and Cremation Expenses Covers the funeral and cremation cost incurred in Hong Kong, following the accidental death | 25,000 | 25,000 | 25,000 | 25,000 |
| Trauma Counselling Expenses Covers the medical fees if the insured person diagnosed to be suffering from post-traumatic stress disorder as a direct result of sustaining bodily injury | 5,000 | 5,000 | 5,000 | 5,000 |
| Bereavement Counselling Expenses Covers the medical fees if the insured person's immediate family members suffering from depression as a direct result of death of the insured person | 5,000 | 5,000 | 5,000 | 5,000 |
| Physiotherapist, Chiropractor, Bonesetter & Acupuncturist Treatment Expenses Covers the necessary and reasonable expenses incurred in respect of physiotherapist, chiropractor, bonesetter, or acupuncturist treatments (Max. 1 visit per day and 5 visits per accident) | 2,500 | 2,500 | 2,500 | 2,500 |
| - Physiotherapy & chiropractor treatment | 500 / visit | 500 / visit | 500 / visit | 500 / visit |
| - Bonesetter & acupuncturist treatment | 200 / visit | 200 / visit | 200 / visit | 200 / visit |
| Clothing and Personal Effects Damage Compensation Covers clothing and personal effects which are damaged in the same accident | 2,000 / accident | 2,000 / accident | 2,000 / accident | 2,000 / accident |
| Hospital Confinement Allowance A weekly benefit will be provided for the insured person being confined in hospital for treatment of bodily injury | 500 / week Max. 52 weeks | 500 / week Max. 52 weeks | 500 / week Max. 52 weeks | 500 / week Max. 52 weeks |
| Accidental Cosmetic Surgery Expenses Covers any medically necessary accidental cosmetic surgery | 20,000 / accident | 20,000 / accident | 20,000 / accident | N/A |
Important Notes:
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.
| Plans | Adult Plan A | Adult Plan B | Family Plan A* |
|---|---|---|---|
| Annual Premium (HK$) | 1,185 | 2,310 | 3,440 |
*Family Plan cover is only applicable to a legally married couple and any number of your child(ren) from 6 months to 17 years of age.
Collection of Levy on Insurance Premium: Insurance Authority (IA) has announced the collection of levy on insurance premium under the 'Insurance Ordinance' with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy.
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.
