Get a quote now
Limited-time offer
Premium discount
From now to 31 December 2025, enrol to enjoy 20% off first-year premium discount . Terms and conditions apply.
Mileage rewards
Earn the best annual reward — HKD1 = 1 upon enrolment via Cathay, and provide your Cathay membership number to start your rewarding journey. Terms and conditions apply
Product highlight
Guaranteed acceptance1 for all eligible persons who are aged between six months and 80 years and the plan is lifetime renewable.
Coverage summary
Accidental death and disability protection
- Protection up to HKD1 million.
- In the event of a serious accident leading to permanent disability or even death, a lump-sum will be paid to cover mortgage, rent, care of child(ren) or parents, and other expenses.
Accidental medical expenses
- Hospital and outpatient medical expenses up to HKD30,0001
- Including hospitalization, outpatient service, Chinese medicine bone-setting, acupuncture, chiropractic and physiotherapy expenses2
Additional cover
Cover of general small accidents, general sports, amateur dangerous sports, natural disasters, traffic accidents, terrorist activities, etc.
No claim discount
If no claim has been made in the period of insurance, you are entitled to a 5% no claim discount at annual renewal. The no claim discount can be accumulated up to 15%.
Premium discount
Once you enroll with at least one family member (your spouse, child(ren), parents or parents-in-law) at the same time, an extra 10% discount will be offered to all of you.
Examples of accidents
- Housewives’ getting injured from household accidents
- Food, drink and gas poisoning
- Robbery
- Falling down during hiking, accidents during ball games
- Dangerous amateur sports such as winter sports, scuba diving, rock climbing, horse riding, etc.
Accidents caused on public transport
- Natural disasters
- Terrorist attacks
The above examples are for reference only. Zurich reserves the right of final approval and decision.
Plan Coverage
For more coverage details, download policy wording
Our partner
About Zurich Insurance (Hong Kong)
Zurich Insurance (Hong Kong) is part of Zurich Insurance Group. In Hong Kong, we offer a full range of flexible insurance solutions to individuals, as well as commercial and corporate customers. Zurich’s presence in Hong Kong dates back to 1961. Since then, the company has dedicated to serving the Hong Kong community.
Cathay Pacific Airways (license number: FA3522) is appointed by Zurich as its insurance agency.
Back you up on
More insurance products
1 Guaranteed acceptance offer is applicable to Occupation Classes 1–5 as defined by Zurich, and Zurich reserves the right of final approval and Decision.
Miles reward terms and conditions apply.
Bonus miles reward terms and conditions apply.
Discount offer terms and conditions apply.
- China – the Chinese Mainland, Hong Kong SAR, Macao SAR and Taiwan Region
- Hong Kong SAR - English
- Chinese Mainland (China) - English
- Taiwan, China - English
- 香港特別行政區 - 繁體中文
- 中国內地 - 简体中文
- 中國台灣 - 繁體中文
- Africa
- South Africa - English
- Asia
- Bangladesh - English
- Korea - English
- Singapore - English
- Cambodia - English
- 한국 - 한국어
- Sri Lanka - English
- India - English
- Malaysia - English
- Thailand - English
- Indonesia - English
- Maldives - English
- ประเทศไทย - ภาษาไทย
- Indonesia - Bahasa Indonesia
- Myanmar - English
- Vietnam - English
- Japan - English
- Nepal - English
- Việt Nam - tiếng Việt
- 日本 - 日本語
- Philippines - English
- Australasia
- Australia - English
- New Zealand - English