Personal Accident Insurance
MySafe Accident Protection Plan
An accident insurance protection plan that offers broad coverage and deep care to help you and your family bounce back from an accident.
About personal accident protection
We know you’ve so much going on in your life. So you may be concerned if an accident will not just impact you physically but also disrupt your momentum in life. Which is why we’ve designed MySafe Accident Protection Plan (“MySafe”) for people like you – a personal accident insurance plan that offers broad cover and deep care should you encounter an accident.
From support for scarring directly caused by accidents to the waiver of the maximum annual reimbursement amount for physiotherapy and chiropractic treatment under specific conditions, we’ve thought of it all, so you don’t have to worry about it.
Who needs accident insurance coverage?
Families with children
Did you know falls is the most common cause of accidents, and that most childhood injuries took place at home?*
Household injuries are common, especially if you have kids. Fortunately, most are just bumps, bruises and scrapes which can be treated at home. However, for more serious accidental injuries, MySafe has got you and your children covered from as young as 15 days old.
Beyond disabilities and death, we also care about how scars caused by accidents can impact you and your children. Which is why we provide the first-in-market Scar due to Accident⁴ benefit with MySafe.
Did you know falls is the most common cause of accidents, and that most childhood injuries took place at home?*
Household injuries are common, especially if you have kids. Fortunately, most are just bumps, bruises and scrapes which can be treated at home. However, for more serious accidental injuries, MySafe has got you and your children covered from as young as 15 days old.
Beyond disabilities and death, we also care about how scars caused by accidents can impact you and your children. Which is why we provide the first-in-market Scar due to Accident⁴ benefit with MySafe.
Sports lovers
Not only adults need insurance, but also teenagers. Active teens and young adults in Hong Kong commonly get injured while exercising and playing sports. MySafe provides protections to cover sports if caused by an personal accident, also providing physiotherapy and chiropractic treatment (applicable to Total Plan), you can resume your favourite activities safely in no time.
Not only adults need insurance, but also teenagers. Active teens and young adults in Hong Kong commonly get injured while exercising and playing sports. MySafe provides protections to cover sports if caused by an personal accident, also providing physiotherapy and chiropractic treatment (applicable to Total Plan), you can resume your favourite activities safely in no time.
Drivers and passengers
Do you know? Although Hong Kong is small, traffic accidents do happen regularly – over 50 a day, affecting private and public vehicles.#
MySafe protects you and your loved ones if an unexpected traffic accident occurs on your commute and offers timely financial assistance during difficult moments.
MySafe Double and Total Plans provide broader accident protection coverage - double indemnity if the injury is due to a traffic accident that occurs under specific conditions, like on public transportation as a fare-paying passenger.
Do you know? Although Hong Kong is small, traffic accidents do happen regularly – over 50 a day, affecting private and public vehicles.#
MySafe protects you and your loved ones if an unexpected traffic accident occurs on your commute and offers timely financial assistance during difficult moments.
MySafe Double and Total Plans provide broader accident protection coverage - double indemnity if the injury is due to a traffic accident that occurs under specific conditions, like on public transportation as a fare-paying passenger.
#Source: “Be a Responsible Road User Annual Report 2020”, the Road Safety Council, HKSAR
3 plan levels to fit your protection needs and budget
While the Standard Plan provides you with the essential accident benefits including the first-in-market⁵ Scar due to Accident Benefit⁴, Double Plan and Total Plan offer more.
If you are the breadwinner of your family, you may need greater coverage, including Permanent Total Disability Benefit and Double Indemnity Benefit provided in the Double plan and Total plan, so that you and your family can receive better financial support in distress caused by accidents.
Total plan could even save you free from worries, for its offering of Additional Accidental Medical Expenses Benefit of 5% of the Initial Sum Insured per accident as the maximum amount.
Initial Sum Insured
20% of the Initial Sum Insured
1% of the Initial Sum Insured
Initial Sum Insured
(Initial Sum Insured)
(5% of the Initial Sum Insured per Accident^)
Initial Sum Insured
20% of the Initial Sum Insured
1% of the Initial Sum Insured
Initial Sum Insured
(Initial Sum Insured)
(5% of the Initial Sum Insured per Accident^)
Initial Sum Insured
20% of the Initial Sum Insured
1% of the Initial Sum Insured
Initial Sum Insured
(Initial Sum Insured)
(5% of the Initial Sum Insured per Accident^)
^ Subject to a maximum of HK$ 16,000 per Accident if the Insured is under age 19 at next birthday on the date of the Accident
Broad cover & deep care
FWD’s MySafe Accident Protection Plan – a plan that offers broad cover and deep care should you encounter an accident.
Broad accidental death and disability coverage
- Double indemnity if the injury is due to an accident occurs under specific conditions (for Double and Total Plans)
- Additional Accidental Medical Expenses Benefit under under Total Plan to take care of your medical costs (for Total Plan)
- Compassionate Death Benefit
- 3 plan levels to fit your protection needs and budget
- Double indemnity if the injury is due to an accident occurs under specific conditions (for Double and Total Plans)
- Additional Accidental Medical Expenses Benefit under under Total Plan to take care of your medical costs (for Total Plan)
- Compassionate Death Benefit
- 3 plan levels to fit your protection needs and budget
First-in-market⁵ Scar due to Accident cover⁴
- Beyond disability and loss-of-life, we also care about how the severity of scars caused by an accident impact your life, so we will cover you with the Scar due to Accident⁴ Benefit
- Beyond disability and loss-of-life, we also care about how the severity of scars caused by an accident impact your life, so we will cover you with the Scar due to Accident⁴ Benefit
24-hour Worldwide Assistance Service
- Should an accident occur, we are on-call to provide support⁷ at any time or anywhere you are
- Should an accident occur, we are on-call to provide support⁷ at any time or anywhere you are
Simple enrolment
Affordable Accident protection, just a few clicks away
MySafe Accident Protection Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) ("FWD Life/ FWD/We"). This eCommerce Platform is operated by FWD Financial Limited ("FWD Financial"). FWD Financial is an appointed and licensed insurance agency of FWD Life.
This product is only available to permanent Hong Kong residents with a Hong Kong residential address only.
Benefit summary
Standalone Plan
Age 1 (from 15 days) – 65
Yearly renewable to age next birthday 75
Based on 4 occupational classes⁹ and place of residence
Renewal premiums are non-guaranteed but the premium will not be increased based on the age of the Insured on his or her next birthday¹⁰
HKD
This platform offers Monthly and Annual premium payment mode
Policy holder can contact FWD Customer Service to amend premium payment mode after policy is effective
- Standard Plan
- Minimum Initial Sum Insured: HK$100,000
- Maximum Initial Sum Insured:
- HK$750,000 (age next birthday 1 (15 days) – 18)
- HK$1,500,000 (age next birthday 19 – 65)
- Double Plan
- Minimum Initial Sum Insured: HK$100,000
- Maximum Initial Sum Insured:
- HK$750,000 (age next birthday 1 (15 days) – 18)
- HK$1,500,000 (age next birthday 19 – 65)
- Total Plan
- Minimum Initial Sum Insured: HK$500,000
- Maximum Initial Sum Insured:
- HK$750,000 (age next birthday 1 (15 days) – 18)
- HK$1,500,000 (age next birthday 19 – 65)
Benefit Summary
- A specified percentage of the Initial Sum Insured is payable according to the Schedule of Benefits.
Maximum Benefit Amount
- Standard Plan: Initial Sum Insured
- Double Plan: Initial Sum Insured
- Total Plan: Initial Sum Insured
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1% of the Initial Sum Insured is payable each month during the continuation of such disability from the 13th month after the date on which the Insured suffers an Accidental Injury that leads to Permanent Total Disability, subject to a maximum of 18 months. The premium of this Plan will be waived when Permanent Total Disability Benefit¹𝄒² is payable.
-
The Plan will pay a lump sum payment equivalent to the Sum Insured Limit³ if the Permanent Total Disability continues after such 18 months (i.e. on the 31st month from the date of the Accidental Injury).
Maximum Benefit Amount
- Standard Plan: Not applicable
- Double Plan: Initial Sum Insured
- Total Plan: Initial Sum Insured
- The Plan will pay a one-time payment of 20% of the Initial Sum Insured as an advanced payment of the Accidental Death and Dismemberment Benefit¹ if the Insured is diagnosed with having scar due to an accident.
Maximum Benefit Amount
- Standard Plan: 20% of the Initial Sum Insured
- Double Plan: 20% of the Initial Sum Insured
- Total Plan: 20% of the Initial Sum Insured
The amounts payable for Accidental Death and Dismemberment Benefit¹, Scar due to Accident Benefit⁴ and Permanent Total Disability Benefit¹𝄒² are doubled if the Insured sustains an Accidental Injury under one of the following conditions:
- While the Insured is a fare-paying passenger on any public conveyance licensed to carry passengers;
- In a fire in a public building including theatre, public auditorium, licensed hotel or guesthouse, school, Hospital, restaurant, shopping mall and public transport station. The Insured must be in the building when the fire starts;
- In an elevator (apart from any elevators in a mine or construction sites);
- As a result of being struck by a motorised vehicle or injured in a traffic accident while being a pedestrian; or
- As a result of an earthquake, natural flooding or landslide.
Maximum Benefit Amount
- Standard Plan: Not applicable
- Double Plan: Initial Sum Insured
- Total Plan: Initial Sum Insured
- If the Insured suffers an Accidental Injury and needs to receive treatment as a result of such Accidental Injury while the policy is in place, the Plan will reimburse for Eligible Expenses⁶ incurred for such relevant treatment of up to 5% of the Initial Sum Insured for each Accident including:
- treatment by a Physician, Surgeon and Qualified Nurse;
- bone-setting and acupuncture treatment performed by a Chinese Medicine Practitioner;
- treatment by a Physiotherapist, Occupational Therapist, and Chiropractor on the written recommendation of a Physician;
- Hospital and ambulance service for medical, surgical, X-ray, Hospital and nursing treatment;
- medical supplies, skin grafting and ambulance hire; and
- dental treatment for sound and natural teeth damaged by the Accidental Injury.
- Subject to the above maximum limit for each Accident, each of the following treatments is further limited to one visit per day and the maximum reimbursement amounts as specified below:
- If the policy has been in force for at least two policy years and no claims have been incurred under the policy during any 2 consecutive policy years immediately prior to the policy’s renewal, the maximum reimbursement amount per Policy Year for Chiropractic treatment and Physiotherapy will be waived permanently.
Maximum Benefit Amount
- Standard Plan: Not applicable
- Double Plan: Not applicable
- Total Plan: 5% of the Initial Sum Insured per Accident
(while subject to a maximum of HK$ 16,000 per Accident if the Insured is under age 19 at next birthday on the date of the Accident)
Maximum Benefit Amount
- 1% of the Initial Sum Insured
Maximum Benefit Amount
- Service program
Remarks
- The accidental death and dismemberment (please refer to the Schedule of Benefits on page 12 of product brochure) and the Permanent Total Disability must occur within 180 days from the date of Accident. FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD”) will pay the Accidental Death and Dismemberment Benefit and the Permanent Total Disability Benefit, up to a maximum of 100% of the Initial Sum Insured, regardless of the numbers of Accidental Injuries sustained by the Insured. The Plan will end once 100% of the Initial Sum Insured has been paid (when the Sum Insured Limit becomes zero). If a claim is payable at an amount that is higher than the Sum Insured Limit, FWD will only pay the amount of the Sum Insured Limit.
- Physician should have certified that the Insured is beyond any reasonable hope of improvement from such disability before FWD starts making the payments of a) monthly benefit; and b) Sum Insured Limit.
- Sum Insured Limit is equivalent to the Initial Sum Insured less any benefit paid under Accidental Death and Dismemberment Benefit, Scar due to Accident Benefit and Permanent Total Disability Benefit. The Sum Insured Limit becomes zero once 100% of the Initial Sum Insured is paid.
- For medical definitions for Scar due to Accident, please refer to the Policy Provisions.
- Per a comparison made on 28 February 2022 among the personal accident insurance plans of key insurers available in Hong Kong market, Scar due to Accident Benefit is first in market.
- Eligible Expenses refers to the reasonable and customary charges for Medically Necessary treatments or services for an Accidental Injury. Reasonable and customary charges refers to a fee or expense which:
- is actually charged for Medically Necessary treatment, supplies or medical services;
- does not exceed the usual or reasonable average level of charges for similar treatment, supplies or medical services in the location where the expense is incurred
- does not include charges that would not have been made if no insurance existed.
FWD may adjust benefit(s) payable under this Plan for fees or expenses that FWD judges not to be reasonable and customary after comparing with fee schedules used by the government, relevant authorities or recognised medical associations in the location where the fee or expense is incurred.
- The service is currently provided by International SOS and it is not guaranteed renewable. FWD shall not be responsible for any act or failure to act on the part of International SOS and the professionals. FWD reserves the right to amend, suspend or terminate the International SOS 24-hour Worldwide Assistance Service and to amend the relevant terms and conditions at any time without FWD’s prior notice.
- It refers to a question about health condition and is subject to the relevant underwriting requirements, otherwise, you are required to provide further information. You need to tell us immediately if the Insured changes occupation or home country. As the case may be, FWD may reduce or increase the premium, cancel the policy or refuse to pay the benefits that become payable after the change.
- Occupation classifications are for reference only and subject to underwriting decision.
- Class 1: Persons engaged in indoor or professional, administrative, managerial, clerical and non-manual occupations. e.g. Accountant, Lawyer, Doctor, Teacher
- Class 2: Persons engaged in outdoor duties of non-manual works and/or work of a supervisory nature. e.g. Engineer, Salesman, Domestic Helper, Postman
- Class 3: Persons engaged in light manual work without using heavy machine. e.g. Baker, Restaurant Waiter, Locksmith
- Class 4: Persons engaged in manual works. e.g. Electrician (indoor duties), Mechanic, Windsurfing Instructor
- The premium rates are not guaranteed. FWD reserves the right to review and adjust the premiums from time to time.
Key product risks
Credit Risk
This product is an insurance policy issued by FWD. The application of these insurance products and all benefits payable under your policy are subject to the credit risk of FWD. You will bear the default risk in the event that FWD is unable to satisfy its financial obligations under the insurance contract.
Exchange Rate and Currency Risk
The application of this insurance product with the policy currency denominated in a foreign currency is subject to that foreign currency’s exchange rate and currency risk. The foreign currency may be subject to the relevant regulatory bodies’ control (for example, exchange restrictions). If your home currency is different from the policy currency, please note that any exchange rate fluctuation between your home currency and the policy currency of this insurance product will have a direct impact on the amount of premium required and the value of benefit(s) to be received. For instance, if the policy currency of the insurance product depreciates substantially against your home currency, there is a negative impact on the benefits you receive from the product. If the policy currency of the insurance product appreciates substantially against your home currency, your burden of the premium payment is increased.
Inflation Risk
The cost of living in the future may be higher than now due to the effects of inflation. Therefore, the benefits under this policy may not be sufficient for the increasing protection needs in the future even if FWD fulfils all of its contractual obligations.
Exclusions
The exclusions below apply to Accidental Death and Dismemberment Benefit¹, Permanent Total Disability Benefit¹𝄒²,
Scar due to Accident⁴ Benefit, Double Indemnity Benefit and Additional Accidental Medical Expenses Benefit. FWD will not cover any loss/ claim directly or indirectly caused by or resulting from any of the following:
- Suicide or a self-inflected act by the Insured regardless of the Insured’s mental state.
- A claim arises because you, the Insured, or the beneficiary participated in an unlawful act.
- A claim arises from catastrophic events except that the Insured is a passive participant in a war.
Premium Adjustment
The premium is non-guaranteed and may significantly increase due to factors including but not limited to claims experience and policy persistency. However, the premium will not be increased based on the age of the Insured on his or her next birthday.
Premium Term and Non-Payment of Premium
The Premium Payment Term of the MySafe Accident Protection Plan ends on the Policy Anniversary immediately preceding the Insured’s 75th birthday.
FWD allows a grace period of 30 days after the premium due date for payment of each premium. If a premium is still unpaid at the expiration of the grace period, the policy will be terminated from the date the first unpaid premium was due. Please note that once the policy is terminated on this basis, you will lose all of your benefits.
Termination Conditions
Your policy ends on the earliest of the following dates.
- From the premium due date, if you have not paid your premiums after the 30-day premium grace period.
- On the date the total amount FWD pays you for the Accidental Death and Dismemberment Benefit¹, Scar due to Accident⁴ Benefit and Permanent Total Disability Benefit (if applicable) ¹𝄒² from this Plan reaches 100% of the Initial Sum Insured (when the Sum Insured Limit³ becomes zero).
- On the date you surrender the Plan.
- On the date of the Insured’s death.
- On the policy expiry date.
- On the date we accept your request to cancel your policy during the cooling-off period.
- On the date when the occupation or the home country of the Insured is changed to an uninsurable one.
- On the date you refuse to accept the revisions of benefits and limitations including the adjusted premium.
Important Notes
Cancellation Right within Cooling-off Period
If you are not fully satisfied with this policy, you have the right to change your mind.
We trust that this policy will satisfy your financial needs. However, if you are not completely satisfied, you have the right to cancel and obtain a full refund of the insurance premium paid by you and levy paid by you without interest by giving us written notice. Such notice must be signed by you and received directly by the office of FWD within 21 calendar days immediately following either the day of delivery of the policy or a Cooling-off Notice to you or your nominated representative, whichever is the earlier. The notice is the one sent to you or your nominated representative (separate from the policy) notifying you of your right to cancel within the stated 21 calendar day period. No refund can be made if a claim payment under the policy has been made prior to your request for cancellation. Should you have any further queries, you may (1) call our Service Hotline on 3123 3123; (2) visit our FWD Insurance Solutions Centres; 3) email to cs.hk@fwd.com and we will be happy to explain your cancellation rights further.
Cancellation Right after Cooling-off Period
To surrender the Policy, the Policy Owner needs to send FWD a completed surrender form or by any other means acceptable by FWD.
Obligation to Provide Information
FWD is obliged to comply with the following legal and/or regulatory requirements in various jurisdictions as promulgated and amended from time to time, such as the United States Foreign Account Tax Compliance Act, and the automatic exchange of information regime (“AEOI”) followed by the Inland Revenue Department (the “Applicable Requirements”). These obligations include providing information of clients and related parties (including personal information) to relevant local and international authorities and/or to verify the identity of the clients and related parties. In addition, our obligations under the AEOI are to:
- identify accounts as non-excluded “financial accounts” (“NEFAs”);
- identify the jurisdiction(s) in which NEFA-holding individuals and NEFA-holding entities reside for tax purposes;
- determine the status of NEFA-holding entities as “passive non-financial entities (NFEs)” and identify the jurisdiction(s) in which their controlling persons reside for tax purposes;
- collect information on NEFAs (“Required Information”) which is required by various authorities; and
- furnish Required Information to the Inland Revenue Department.
The Policy Owner must comply with requests made by FWD to comply with the above Applicable Requirements.
Double Insurance (Applicable to Additional Accidental Medical Expenses Benefit only)
If you can obtain a refund of any Eligible Expenses from any other sources, FWD will only pay for any excess costs of these Eligible Expenses over the amount recoverable from other sources, up to the limit set out in this policy or any endorsement. You must tell FWD if you can obtain a refund of all or part of the Eligible Expenses from any other sources. If FWD have paid a benefit which is recoverable from another sources, you must refund this amount to FWD.
Notice to Claim
Please tell FWD as soon as possible if you need to make a claim under your policy.
FWD must be advised within 90 days after the event leading to the claim. If FWD is not advised in this time frame, FWD may refuse the claim.
Apart from submitting the completed claim forms, FWD must be given any other information and documents that FWD asks for. The information may include original receipts, proof that the treatment is medically necessary or proof of the country where the insured lives. FWD will not be able to process a claim until FWD receives this information and the filled-in claim form.
Incorrect Disclosure or Non-Disclosure
You or the Insured are/is required to disclose all material facts in response to FWD’s underwriting questions. Material facts are the facts, information or circumstances, in particular medically-related facts, e.g. medical history, smoking status, etc., or other information such as occupation and home country, that would influence the judgment of FWD in setting the premium, or in determining whether to insure the risk. If you or the Insured are/is uncertain as to whether or not a certain piece of information is material, please take a cautious approach and disclose it to FWD.
Incorrect disclosure or non-disclosure of any material facts, including but not limited to, age, gender, occupation, home country and other material facts declared on the relevant application form, in FWD’s opinion, may affect FWD’s risk assessment. As the case may be, FWD may collect the premium shortfall with interest, refund the excess premium without interest or even void this Policy from the Policy Date. In case the Policy is declared void from the Policy Date, FWD’s liability shall be limited to the amount of total premiums paid without interest, less any benefit which has been paid under this Policy.
Important Words
Accident
An event that is violent, external, unexpected and visible.
It does not include an illness, degenerative process or any other naturally occurring condition.
Accidental injury
It is any bodily harm caused to the insured’s body solely and directly by an accident while this policy is in place.
Confine / confined/ confinement
The period when the insured stays in a hospital as an in-patient for medically necessary treatment of a specific illness or accidental injury. The hospital stay must be for at least 6 continuous hours or, if this does not happen, the hospital must charge for room and board. The insured cannot leave the hospital before he or she is discharged. Confinement ends when the hospital issues its final accounts in preparation for the insured to formally leave, or be discharged from, the hospital.
We will consider two or more confinements for the same accidental injury, specific illness or its complications as one confinement, if they occur within 90 days of each other.
Declaration
i. This product is underwritten by FWD Life Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) (“FWD”). FWD is solely responsible for all features, policy approval, coverage and benefit payment under this product. FWD recommends you carefully consider whether the product is suitable for you in view of your financial needs and that you fully understand the risk involved in the product before submitting your application. You should not apply for or purchase this product unless you fully understand it and you agree it is suitable for you. Please read through the following related risks before making any application for the product.
ii. This product material is issued by FWD. FWD accepts full responsibility for the accuracy of the information contained in this product material. This product material is intended to be distributed in the Hong Kong Special Administrative Region (“Hong Kong”) only and shall not be construed as an offer to sell, a solicitation to buy or the provision of any insurance products of FWD outside Hong Kong. All selling and application procedures of the product must be conducted and completed in Hong Kong.
iii. This product is an insurance product. The premium paid is not a bank savings deposit or time deposit. The product is not protected under the Deposit Protection Scheme in Hong Kong.
iv. This product is an accident protection product. The costs of insurance and the related costs of the policy are included in the premium paid under this plan despite the product brochure/ leaflet and/ or the illustration documents of this Plan having no schedule/ section of fees and charges or no additional charge noted other than the premium.
v. All underwriting and claims decisions are made by FWD. FWD relies upon the information provided by the applicant and the Insured in the insurance application to decide to accept or decline the application with a full refund of any premium and insurance levy paid without interest. FWD reserves the right to accept/ reject any insurance application and can decline your insurance application without giving any reason.
vi. All the above benefits and payments are paid after deducting policy debts (if any, e.g. unpaid premiums or premium loan and the interest of the loan).
vii. The period of cover is 1 year, and the policy will be automatically renewed at each Policy Anniversary. FWD can revise, amend or modify this Policy, including the premium, once FWD notifies you in writing at least 30 days before the Policy Anniversary after which the revisions will take effect.
The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.
Please make sure you are eligible for this product before applying:
- I (and the Insured person if applicable) am a permanent HKID card holder with a Hong Kong residential address.
- Currently in Hong Kong at the time of making this application.
- I will not or have no intention to live or work outside Hong Kong or home country over 183 days in the coming 12 months.
- I am not a holder of the People’s Republic of China Resident Identity Card.
Note: Online applicants will be requested to visit FWD Insurance Solutions Centres under the following circumstances:
- Collection of policy documents upon issuance of policy;
- Cancellation of policy during the cooling-off period;
- Change of beneficiary; or
- Full surrender.
Under specific circumstances, we may request online applicants to visit FWD Insurance Solutions Centres for identity verification.
Not exactly what you need?
If you are looking for a product that offers broader benefit coverage and higher benefit limits, please contact us for more information.
Frequently Asked Insurance Questions
Any age limit for Insured Person of personal accident insurance?
Yes, accident insurance has an age limit for coverage generally. An insured person under MySafe Accident Protection Plan must be between the age of 1 (15th day) and 65 (age next birthday).
Do I have to complete a health declaration when I purchase an accident insurance plan?
You don’t have to answer any health question for Standard and Double Plans, while you only need to answer to 1 simple health Question without providing any proof of health for Total Plan. Therefore, act now to equip you and your beloved with this broad accident protection.
Does accident insurance cover medical expenses?
Whether the Accident is minor or severe, you may need medical care that may cost you a lot. Under Total Plan, we will reimburse the eligible medical expenses incurred arising from the accidental Injury.
Can I file a claim for physiotherapy, Chiropractor, Chinese bone-setting and acupuncture expenses arising from an accidental injury?
Sports injuries are common among different types of accidental injury. With the Additional Accidental Medical Expenses Benefit under Total Plan, we will reimburse the eligible expenses, including physiotherapy, Chiropractor, Chinese bone-setting and acupuncture expenses.
If no claims have been made for any 2 consecutive policy years under the policy, you can enjoy a permanent waiver of the maximum reimbursement amount per policy year for chiropractic treatment and physiotherapy.
Are there any occupational and residency restrictions on Total Plan?
Yes, the premium structure of Mysafe is based on 4 occupational classes and place of residence, please refer to the brochure for details. You should notify us immediately if you change your occupation and place of residence after the policy is effective.
Comparing MySafe Accident Protection Plan with other personal accident insurance in the market, what is the difference on the coverage?
We are dedicated to offering broad cover and deep care for you and your loved ones. Comparing with other personal accident insurance in the market5, besides the common accident benefits, MySafe accident protection plan provides you with a first-in-market Scar due to Accident Benefit and Additional Accidental Medical Expenses Benefit (applicable to Total Plan) which includes a waiver of the annual limit for chiropractor treatment and physiotherapy under specific condition. These features are exclusively designed for the ones looking for comprehensive coverage.
How to choose among the Standard, Double and Total plans of MySafe?
While the Standard plan provides you with the essential accident benefits, Double plan and Total plan offer more.
If you are the breadwinner of your family, you may need greater coverage, including Permanent Total Disability Benefit and Double Indemnity Benefit provided in the Double plan and Total plan, so that you and your family can receive better financial support in distress caused by accidents.
Total plan could even save you free from worries, for its offering of Additional Accidental Medical Expenses Benefit of 5% of the Initial Sum Insured per Accident as the maximum amount.
Under Total Plan, we will reimburse the Eligible Expenses incurred arising from the Accidental Injury. If no claims have been made for any 2 consecutive policy years under the policy, you can enjoy a permanent waiver of the maximum reimbursement amount per policy year for chiropractor treatment and physiotherapy.
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