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Fubon Personal Accident Insurance Plan
 

Fubon Personal Accident Insurance Plan helps you overcome financial burden caused by accidents, offering you well-rounded protection and peace of mind at a competitive premium.
 
Benefits Table
Coverage
Maximum Benefit Per Insured Person (HK$)
Plan 1
Plan 2
Section 1
• Death and Permanent Total Disablement Cover
• Accident on public common carrier
 
300,000
600,000
 
600,000
1,200,000
Section 2
• Accidental Medical Expenses Cover
• Bone-setting and/or Physiotherapy Expenses per Year
  (Inclusive of the payment in Accidental Medical Expenses Cover)
 
10,000
2,000 / year
(200 per visit per day)
 
10,000
3,000 / year
(200 per visit per day)
Section 3
• Accidental Daily Hospital Cash Cover
   
 
10,000
(250 / day)
 
20,000
(500 / day)
Section 4
Global Emergency Assistance Services
• Pre-payment of Hospital Admission Guarantee
• Emergency Evacuation or Repatriation Service
• Repatriation of Mortal Remains
• Compassionate Visit
• 24-hour Telephone Hotline Information & Referral Services
 
 
39,000
Actual Cost
Actual Cost
One economy class return airfare
Applicable
 
Premium Table
Insured Person
Monthly Premium (HK$)
Plan 1
Plan 2
Aged 1-70
Insured Person
50
80
Insured Person & Spouse / Insured Person & One Child
100
160
Family including Insured Person, Spouse and all children
135
220
Aged 71-79
Insured Person
88
/
Insured Person & Spouse / Insured Person & One Child
176
/
Aged 80-85
Insured Person
176
/
Insured Person & Spouse / Insured Person & One Child
352
/
 
Act now to get comprehensive protection for your family
Enroll now to enjoy extensive care and protection wherever you go. You can simply call our Fubon Insurance Hotline at 2566 8181 (Press 2 > 3 > 0) during office hours* or visit any Fubon Bank branch for enrollment and promotion details.
 
* Monday to Friday: 9am – 7pm; Saturday: 9am – 1pm (except Public Holidays)
 
 
Extra Benefits:
1. Double indemnity: The amounts payable for death and permanent total disablement will be doubled if the accident occurs while the Insured Person rides solely as a passenger in or on a public common carrier licensed to carry passengers for hire.
2. 24-hour global emergency assistance services : In the event of accidental injury or illness while the Insured Person travels abroad not exceeding 90 days, the Insured Person can call Zurich emergency assistance hotline for the following services:
 
• Quick hospitalization arrangement and pre-payment of hospitalization deposit of up to HK$39,000. The Insured Person shall reimburse the pre-payment of hospitalization deposit to Zurich Insurance Company Limited.
• Emergency medical evacuation and repatriation of the Insured Person back to Hong Kong or to the nearest place.
• Repatriation of mortal remains.
• Free companion ticket for a friend/relative if the Insured Person is traveling alone and is hospitalized for more than 3 consecutive days overseas.
3. 24-hour telephone hotline information and referral services include:
 
• Pre-trip Information Assistance : We will provide an insured person with information concerning visa and inoculation requirements for foreign countries according to the most current edition of World Health Organization Publication "Vaccination Certificate Requirements and Health Advice for International Travel" (for inoculation) and the "ABC Guide to International Travel Information" (for visas).
• Embassy Referral: We will provide an insured person with the address, telephone number and opening hours of the nearest appropriate consulate and embassy worldwide.
• We will provide an insured person with the names, addresses and telephone numbers of physicians, hospitals, clinics, lawyers and translators.
• Overseas Telephone Medical Advice: We will arrange to provide free medical advice to an insured person over the phone while traveling outside Hong Kong.
• Monitoring Medical Condition during Hospitalization: Our doctors will, at our expenses, monitor an insured person's medical condition during hospitalization by liaising with an insured person and the treating physician or medical practitioner of an insured person to obtain medical assessment and reports if authorized by an insured person to obtain such medical assessment and reports.
 
Major Exclusions:
Policy does not apply to death, injury, loss or disablement directly or indirectly caused by:
1. war and the like or direct participation in strike, riot or civil commotion;
2. engaging in duty as any policeman, fireman, armed force of any country or international authority stevedore, person loading or unloading of objects on ships, acrobat, aircrew, ship crew, aerial worker, racing driver, truck driver, demolition worker, stuntman, entertainer, jockey, underground and underwater worker, explosive worker, construction worker, worker at height including but not limited to scaffolding worker, circus trainer, detective, newspaper-war correspondent or wild animal trainer;
3. engaging in a sport as a professional capacity or where an Insured Person could earn income;
4. pre-existing physical conditions; suicide, intentional self-injury, insanity, sickness or disease, influence of alcohol or drugs, participation in criminal acts; childbirth, pregnancy or miscarriage; any venereal disease or HIV-related sickness;
5. any air travel except as a passenger in a properly licensed private and/or commercial aircraft; and
6. ionizing radiation or contamination by radioactivity from nuclear material.
 
Notes:
1. Guaranteed acceptance from 1-79 years old (policyholder must be aged 18 years or above), renewal up to aged 85.
2. Extra 10% discount will be entitled to annual payment mode.
3. Child must be single, unemployed and aged from 1-21 or aged 23 for full-time student.
4. 14-day policy examination period.
5. 7-day express claim is guaranteed.
 
 
Remarks:
1. The above information is for reference only and does not constitute any part of the contract. For full terms and conditions, please refer to the policy.
2. Zurich Insurance Company Limited is the insurance underwriter of “Fubon Personal Accident Insurance Plan” and it is solely responsible for all coverage and compensation under the policy.
3. Zurich Insurance Company Limited is not a subsidiary or an affiliate of Fubon Bank (the "Bank").
4. Zurich Insurance Company Limited reserves the right of final approval of the above insurance plan.