(Aged 6 months - 17 years, aged 18 - 23 years unmarried full-time student)

Children need extra care, which is why we provide an insurance plan secure for their everyday life

• School activities - an extra cover up to HKD100,000 for accidents that happen during school activities or transportation between residence and school causing the death or permanent disablement of the insured junior.
• Extra medical expenses protection - an extra cover up to HKD20,000 for overseas accidental medical expenses.
• Parent annual leave compensation - if the insured junior is confined to hospital due to an accident and a parent takes annual leave from employer to take care of the insured junior, an annual leave compensation benefit of HKD200 per day, up to a maximum of ten days, will be provided to the parent.
• Pet attack or child abuse protection - extra hospital cash benefit up to HKD300 per day, with a limit of 31 days, will be provided in case the insured junior is confined to hospital due to pet attack or child abuse.

Maximum benefits per insured person per year (HKD)

Accidental Death and Permanent Disablement¹

Accidental Medical Expenses

Extra Benefits

Note:
¹ Permanent disablement benefit will be payable according to the scale of benefit as stated in the compensation table of the policy.

Remarks

• When the insured person reaches the age of 24 years upon policy renewal, the cover will be automatically converted from Junior Cover (any plan levels) to Plan A of Adult Cover, regardless of the insured person being an unmarried full-time student. When the insured person reaches the age of 71 years upon policy renewal, the cover will be automatically converted from Adult Cover to Elderly Cover and the plan level will remain the same under the new cover. Following the automatic conversion of cover, the applicable premium rate will be changed accordingly. If the insured person prefers to select another plan level, he/she can contact Zurich for arrangement.
• Individual policy will be issued to each insured person regardless of whether the enrollment is made individually or as a family.
• For insured person aged between six months and 17 years old at the policy effective date, the policyholder of this plan must be his/her parent or legal guardian. However, when the insured person attains the age of 18, he/she will automatically become the policyholder upon renewal.
• Subject to the insurance cover of respective policies, any individual insured person under Adult Cover can enjoy up to a maximum limit of HKD10,000,000 for accidental death and permanent disablement benefit per life in aggregate of all policies issued by Zurich Insurance Company Ltd and/or its related companies.

Major exclusions of this policy

Being a crew member or an operator of any air carrier, war, nuclear radiation, any kind of sickness or disease, suicide, pregnancy, childbirth, engaging in any kind of professional sport, or any armed force.

This policy excludes claims for death, disablement, injury or loss as a result of the insured person is engaging in duty for Occupation Class 3 or above or any occupation principally involving the use of light machinery or engines and any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment. Please check with Zurich if the proposer cannot determine his/her own occupational class.

Accidental death and permanent disablement¹

• Compensation is payable in the event of death or permanent disablement caused within 12 months of an accident.
• Benefit covers second or third degree burns, burial / cremation cost and home nursing fee.

Note:
¹ Permanent disablement benefit will be payable according to the scale of benefit as stated in the compensation table of the policy.

Accidental medical expenses

• Provide extensive protection against various medical expenses including both outpatient and inpatient medical expenses and other treatments like Chinese medicine bone-setting expenses for bodily injury due to an accident.
  • Chinese medicine bone-setting expenses, Chinese medicine acupuncture expenses, chiropractic expenses and physiotherapy expenses up to HKD2,000/ year, subject to the sub-limits below:
    • Chinese medicine bone-setting expenses, Chinese medicine acupuncture expenses, and/or chiropractic expenses: max. HKD150/ visit/ day; 5 visits/ accident;
    • Physiotherapy expenses: max. HKD500/ visit/ day; 4 visits/ accident
• The plan also covers the expenses on the purchase of recovery equipment such as wheelchairs, crutches and neck support tools recommended by your attending doctor or physiotherapist.

Extra benefits

• We understand that victims may be required to have counseling session after experiencing an unpleasant event. Hence, we will reimburse the insured person for the cost of trauma counseling.
• We will reimburse the expenses incurred in renovating the principal home of the insured person for the purpose of coping with the permanent total disablement caused by an accident.
• Extra protection for broken bones due to accident
• Zurich Emergency Assistance provides you with various services in the event of accident occurred outside Hong Kong for a travel period not exceeding 90 days.
  • Unlimited cover on transport for emergency medical evacuation of the insured person back to Hong Kong or to the nearest place for treatment, or to provide a repatriation of mortal remains;
  • Hospital admission guarantee up to HKD39,000;
  • Medical service referral, legal referral, interpreter referral and pre-trip information assistance such as visa requirements

Remarks

• When the insured person reaches the age of 24 years upon policy renewal, the cover will be automatically converted from Junior Cover (any plan levels) to Plan A of Adult Cover, regardless of the insured person being an unmarried full-time student. When the insured person reaches the age of 71 years upon policy renewal, the cover will be automatically converted from Adult Cover to Elderly Cover and the plan level will remain the same under the new cover. Following the automatic conversion of cover, the applicable premium rate will be changed accordingly. If the insured person prefers to select another plan level, he/she can contact Zurich for arrangement.
• Individual policy will be issued to each insured person regardless of whether the enrollment is made individually or as a family.
• For insured person aged between six months and 17 years old at the policy effective date, the policyholder of this plan must be his/her parent or legal guardian. However, when the insured person attains the age of 18, he/she will automatically become the policyholder upon renewal.
• Subject to the insurance cover of respective policies, any individual insured person under Adult Cover can enjoy up to a maximum limit of HKD10,000,000 for accidental death and permanent disablement benefit per life in aggregate of all policies issued by Zurich Insurance Company Ltd and/or its related companies.

Major exclusions of this policy

Being a crew member or an operator of any air carrier, war, nuclear radiation, any kind of sickness or disease, suicide, pregnancy, childbirth, engaging in any kind of professional sport, or any armed force.

This policy excludes claims for death, disablement, injury or loss as a result of the insured person is engaging in duty for Occupation Class 3 or above or any occupation principally involving the use of light machinery or engines and any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment. Please check with Zurich if the proposer cannot determine his/her own occupational class.

(Aged 18 - 70 years)

Working hard is important. With our special care for your protection, you can also de-stress and relax all you want.

• Accident protection up to HKD1,000,000
• Double the cover on accidental death and permanent disablement for the accident occurred when the insured person is a passenger of a public common carrier, or is a victim of robbery or as a result of natural disaster, or suffers injury during Saturday, Sunday or general holidays in Hong Kong resulting in the death or permanent disablement of the insured person.
• Spouse annual leave compensation - If the insured person is confined to hospital due to an accident and the spouse takes annual leave from employer to take care of the insured person, an annual leave compensation benefit of HKD200 per day, up to a maximum of ten days, will be provided to the spouse.

Maximum benefits per insured person per year (HKD)

Accidental Death and Permanent Disablement¹

Accidental Medical Expenses

Extra Benefits

Note:
¹ Permanent disablement benefit will be payable according to the scale of benefit as stated in the compensation table of the policy.

Remarks

• When the insured person reaches the age of 24 years upon policy renewal, the cover will be automatically converted from Junior Cover (any plan levels) to Plan A of Adult Cover, regardless of the insured person being an unmarried full-time student. When the insured person reaches the age of 71 years upon policy renewal, the cover will be automatically converted from Adult Cover to Elderly Cover and the plan level will remain the same under the new cover. Following the automatic conversion of cover, the applicable premium rate will be changed accordingly. If the insured person prefers to select another plan level, he/she can contact Zurich for arrangement.
• Individual policy will be issued to each insured person regardless of whether the enrollment is made individually or as a family.
• For insured person aged between six months and 17 years old at the policy effective date, the policyholder of this plan must be his/her parent or legal guardian. However, when the insured person attains the age of 18, he/she will automatically become the policyholder upon renewal.
• Subject to the insurance cover of respective policies, any individual insured person under Adult Cover can enjoy up to a maximum limit of HKD10,000,000 for accidental death and permanent disablement benefit per life in aggregate of all policies issued by Zurich Insurance Company Ltd and/or its related companies.

Major exclusions of this policy

Being a crew member or an operator of any air carrier, war, nuclear radiation, any kind of sickness or disease, suicide, pregnancy, childbirth, engaging in any kind of professional sport, or any armed force.

This policy excludes claims for death, disablement, injury or loss as a result of the insured person is engaging in duty for Occupation Class 3 or above or any occupation principally involving the use of light machinery or engines and any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment. Please check with Zurich if the proposer cannot determine his/her own occupational class.

(Aged 71 - 80 years, renewable lifetime)

The golden years are meant for more fun; we're here to help make sure you do.

• Overseas accident - Extra protection up to HKD20,000 for overseas accidental medical expenses.
• Broken bones and recovery equipment.
• Home nursing fee benefit - HKD200 per day, up to 182 days.

Maximum benefits per insured person per year (HKD)

Accidental Death and Permanent Disablement¹

Accidental Medical Expenses

Extra Benefits

Note:
¹ Permanent disablement benefit will be payable according to the scale of benefit as stated in the compensation table of the policy.

Remarks

• When the insured person reaches the age of 24 years upon policy renewal, the cover will be automatically converted from Junior Cover (any plan levels) to Plan A of Adult Cover, regardless of the insured person being an unmarried full-time student. When the insured person reaches the age of 71 years upon policy renewal, the cover will be automatically converted from Adult Cover to Elderly Cover and the plan level will remain the same under the new cover. Following the automatic conversion of cover, the applicable premium rate will be changed accordingly. If the insured person prefers to select another plan level, he/she can contact Zurich for arrangement.
• Individual policy will be issued to each insured person regardless of whether the enrollment is made individually or as a family.
• For insured person aged between six months and 17 years old at the policy effective date, the policyholder of this plan must be his/her parent or legal guardian. However, when the insured person attains the age of 18, he/she will automatically become the policyholder upon renewal.
• Subject to the insurance cover of respective policies, any individual insured person under Adult Cover can enjoy up to a maximum limit of HKD10,000,000 for accidental death and permanent disablement benefit per life in aggregate of all policies issued by Zurich Insurance Company Ltd and/or its related companies.

Major exclusions of this policy

Being a crew member or an operator of any air carrier, war, nuclear radiation, any kind of sickness or disease, suicide, pregnancy, childbirth, engaging in any kind of professional sport, or any armed force.

This policy excludes claims for death, disablement, injury or loss as a result of the insured person is engaging in duty for Occupation Class 3 or above or any occupation principally involving the use of light machinery or engines and any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment. Please check with Zurich if the proposer cannot determine his/her own occupational class.

Classification of Occupation

Class 1 & 2

Class 3, 4 & 5

Major declined occupations

Engaging in offshore activities like commercial diving, oil rigging, mining or aerial photography; handling of explosives including but not limited to explosive worker or demolition worker, performing as an actor/actress, kung fu instructor, stunt man, fisherman; naval, military or airforce service or operations or armed force services of any country or international authority; aircrew, ship crew, aerial worker; racing driver; jockey; underground and underwater worker; construction site worker; worker at height including but not limited to scaffolding worker; acrobat, circus trainer; war correspondent and worker exposed to dust or poisonous chemicals.

Remarks

• When the insured person reaches the age of 24 years upon policy renewal, the cover will be automatically converted from Junior Cover (any plan levels) to Plan A of Adult Cover, regardless of the insured person being an unmarried full-time student. When the insured person reaches the age of 71 years upon policy renewal, the cover will be automatically converted from Adult Cover to Elderly Cover and the plan level will remain the same under the new cover. Following the automatic conversion of cover, the applicable premium rate will be changed accordingly. If the insured person prefers to select another plan level, he/she can contact Zurich for arrangement.
• Individual policy will be issued to each insured person regardless of whether the enrollment is made individually or as a family.
• For insured person aged between six months and 17 years old at the policy effective date, the policyholder of this plan must be his/her parent or legal guardian. However, when the insured person attains the age of 18, he/she will automatically become the policyholder upon renewal.
• Subject to the insurance cover of respective policies, any individual insured person under Adult Cover can enjoy up to a maximum limit of HKD10,000,000 for accidental death and permanent disablement benefit per life in aggregate of all policies issued by Zurich Insurance Company Ltd and/or its related companies.

Major exclusions of this policy

Being a crew member or an operator of any air carrier, war, nuclear radiation, any kind of sickness or disease, suicide, pregnancy, childbirth, engaging in any kind of professional sport, or any armed force.

This policy excludes claims for death, disablement, injury or loss as a result of the insured person is engaging in duty for Occupation Class 3 or above or any occupation principally involving the use of light machinery or engines and any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment. Please check with Zurich if the proposer cannot determine his/her own occupational class.

Zurich reserves the right of final approval and decision.

The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.