All premiums are calculated on standard rates and this quote is for reference only. The premium levy, which we’re obliged to collect for the Insurance Authority, is payable in addition to the actual premium to be paid.

Before proceeding, please confirm you understand this product’s features and that it fits your need(s) and affordability.

Why do you need personal accident protection?

Product highlight

Broad cover & deep care

How to compare accident insurance plans?

How much does FWD MySafe Accident Protection Plan cost?

Simple enrolment

Benefit summary

Frequently Asked Insurance Questions

Product brochure Provision - Standard Provision - Double

Why do you need personal accident protection?

Many people need to juggle with work, family and day-to-day commitments, whilst managing immediate needs and planning ahead for the future. Yet accidents happen without warning, affecting not only your health, but also disrupting your daily routine, work schedule and even creating unexpected expenses. When an accident occurs, you may need to cope with treatment and rehabilitation, and at the same time face a significant reduction in income if you are temporarily unable to work, adding further pressure to an already tight budget.

For this reason, it is important to have a suitable personal accident insurance plan as a key layer of protection in your life. With the appropriate accident coverage in place, you can receive corresponding financial support in the event of an accident, helping you meet medical, rehabilitation and other accident-related expenses, and easing the sudden financial burden. MySafe Accident Protection Plan is designed to offer this peace of mind, giving you an additional level of protection against accident risks and more comprehensive support for you and your family.

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 accidents, 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 a personal accident, and provides permanent total disability benefit¹ ² (applicable to Double Plan) for serious accident, you can enjoy your favourite activities safely under the protection.

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 Plan provides broader accident protection coverage - double indemnity if an accidental injury is due to a traffic accident that occurs under specific conditions, like on public transportation as a fare-paying passenger.

* Source: “Report of Unintentional Injury Survey 2018”, the Non-Communicable Disease Branch Centre for Health Protection Department of Health, HKSAR
#Source: “Be a Responsible Road User Annual Report 2020”, the Road Safety Council, HKSAR

2 accident 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, the Double Plan offers more.

If you are the breadwinner of your family, you may need greater coverage, including Permanent Total Disability Benefit¹ ² and Double Indemnity Benefit provided in the Double Plan, so that you and your family can receive better financial support in distress caused by accidents.

Accident Insurance: Standard vs Double Plan

FWD MySafe Accident Protection Plan Coverage Scope	Standard Plan	Double Plan
Accidental Death and Dismemberment Benefit¹ (Initial Sum Insured)	Up to HK$1,500,000	Up to HK$1,500,000
Scar due to Accident⁴ Benefit (20% of the Initial Sum Insured)	Up to HK$300,000	Up to HK$300,000
Compassionate Death Benefit (1% of the Initial Sum Insured)	Up to HK$15,000	Up to HK$15,000
24-hour Worldwide Assistance Service⁶	Covered	Covered
Permanent Total Disability Benefit¹˒² (Initial Sum Insured)	Not applicable	Up to HK$1,500,000
Double Indemnity Benefit (Initial Sum Insured)	Not applicable	Up to HK$1,500,000

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 accident insurance indemnity if the injury is due to an accident occurs under specific conditions (e.g. transport and earthquake) (for Double Plan)
Compassionate Death Benefit
2 plan levels to fit your protection needs and budget
This accident insurance plan is available to apply from 15 days after birth, so children can also be covered

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

24-hour Worldwide Assistance Service

Should an accident occur, we are on-call to provide support⁶ at any time or anywhere you are

How to compare accident insurance plans?

Whether the core coverage is comprehensive: Check the main areas covered and compare the benefit percentages and maximum benefit amounts for different types of accidents.
Whether the sum insured matches your actual needs: Assess your regular income, household expenses and loan obligations, and consider whether the existing sum insured would be sufficient to maintain your standard of living in the event of accidental death or loss of earning capacity.
Special benefits and additional protection: Compare any extra protection, such as compensation for scar due to accident or double indemnity benefits, and pay attention to the applicable conditions and maximum benefit limits.
Exclusions and limitations: Review whether high-risk activities, specific occupations or incidents under the influence of drugs or similar factors are excluded, and note any waiting periods, age limits and occupational classification requirements.
Premium level and adjustment mechanism: Compare premiums for similar sums insured across different plans, and consider whether premiums may be adjusted based on age, occupation or claims history.
Claims handling and support services of the insurer: In addition to claims track record and service reputation, also consider whether 24-hour emergency support, overseas assistance or online claims services are provided, as these can enhance your overall experience.

How much does FWD MySafe Accident Protection Plan cost?

The premium for FWD MySafe Accident Protection Plan varies depending on the insured person's age, occupation classification, place of residence, selected plan level and chosen sum insured:

Standard Plan - Annual premiums (Hong Kong resident)

Occupational Class⁷	Initial Sum Insured HK$500,000	Initial Sum Insured HK$1,000,000	Initial Sum Insured HK$1,500,000
1	HK$375	HK$750	HK$1,125
2	HK$470	HK$940	HK$1,410
3	HK$565	HK$1,130	HK$1,695
4	HK$940	HK$1,880	HK$2,820

Double Plan - Annual premiums (Hong Kong resident)

Occupational Class⁷	Initial Sum Insured HK$500,000	Initial Sum Insured HK$1,000,000	Initial Sum Insured HK$1,500,000
1	HK$750	HK$1,500	HK$2,250
2	HK$940	HK$1,180	HK$2,820
3	HK$1,125	HK$2,250	HK$3,375
4	HK$1,875	HK$3,750	HK$5,625

(The above are for reference only. Actual premiums may vary depending on individual circumstances, underwriting outcome and applicable premium levy, and are subject to the final decision of the insurance company.)

Simple enrolment

Affordable Accident protection, just a few clicks away

No health question needed

Less than 10 minutes to apply

Get covered in as little as 30 minutes

Buy Now

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

Plan type

Standalone Plan

Issue age (age next birthday)

Age 1 (from 15 days) – 65

Benefit term and premium payment term

Yearly renewable to age next birthday 75

Premium structure

Based on 4 occupational classes⁷ 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 birthday⁸

Currency

HKD

Premium payment mode

Monthly / Annually

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)

Accidental Death and Dismemberment Benefit¹

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

Permanent Total Disability Benefit¹𝄒² (not applicable if the Insured is under the age 19 at their next birthday on the date of the Accident)

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

Scar due to Accident⁴ Benefit

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

Double Indemnity Benefit

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

Compassionate Death Benefit

Maximum Benefit Amount

1% of the Initial Sum Insured

24-hour Worldwide Assistance Service⁶

Maximum Benefit Amount

Service program

The accidental death and dismemberment (please refer to the Schedule of Benefits on page 11 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.
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.
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.

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 and Double Indemnity Benefit. FWD will not cover any loss/ claim directly or indirectly caused by or resulting from any of the following:

Suicide or a self-inflicted 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.

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.

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 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.

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.

Product brochure

Provision - Standard

Provision - Double

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

What is accident insurance?

Accident insurance is a type of insurance that protects you against the risk of death, disability or injury arising from "an event that is violent, external, unexpected and visible". MySafe is a personal accident protection plan that provides you with broader coverage and support when an accident occurs.

How much accident insurance coverage do I need?

This depends on your household income needs, loan obligations and day-to-day living expenses. If you are the main income earner and are concerned about being unable to work for a period of time after an accident, you may consider the potential income shortfall over that period, your mortgage and other debts, as well as additional expenses required during recovery.

What are the benefits of buying accident insurance?

Accident insurance can provide financial support when unexpected incidents occur, helping you handle additional expenses related to treatment, rehabilitation and daily living. This can ease the financial pressure your family may face following an accident.

FWD 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.

Why do you need personal accident protection?

Who needs accident insurance coverage?

Families with children

Sports lovers

Drivers and passengers

2 accident plan levels to fit your protection needs and budget

Accident Insurance: Standard vs Double Plan

Broad cover & deep care

Broad accidental death and disability coverage

First-in-market⁵ Scar due to Accident cover⁴

24-hour Worldwide Assistance Service

How to compare accident insurance plans?

How much does FWD MySafe Accident Protection Plan cost?

Standard Plan - Annual premiums (Hong Kong resident)

Double Plan - Annual premiums (Hong Kong resident)

Simple enrolment

Benefit summary

Benefit Summary

Remarks

Key product risks

Important Notes

Important Words

Declaration

Not exactly what you need?

Frequently Asked Insurance Questions

What is accident insurance?

How much accident insurance coverage do I need?

What are the benefits of buying accident insurance?

Under what circumstances will accident insurance not pay benefits?

Does accident insurance cover physiotherapy?

Any age limit for Insured Person of personal accident insurance?