Life is full of uncertainties. We can never know what the future may bring. So the best solution is to be well prepared for the rainy days.
Accidents Can Happen: Over the past 5 years, the annual number of deaths and injuries due to accidents in Hong Kong has averaged about 61,000.
Accidents Eat Up Savings: Your home, car, food, clothing, children’s education – all depend on your regular income. But even just a minor accident may lead to hospitalization for several days. What if you were injured in an accident and became incapacitated? Your hard-earned dollars could easily be eroded by ever-increasing medical and convalescence expenses. And the loss of income resulting from your inability to work due to injury in an accident could also cause serious financial hardship to your family.
Source: Hong Kong Annual Digest of Statistics 2011-2015
MassMutual Asia is proud to present its Comprehensive Accident Benefit Plus. The plan offers a comprehensive array of 24-hour worldwide accident protections. It relieves you of any unforeseen financial burden during the period of treatment and convalescence, and gives you greater peace of mind.
Accidental Medical Expense Allowance
If the insured sustains a bodily injury as a result of an accident, Comprehensive Accident Benefit Plus will reimburse the actual medical expenses1 with up to 6% of the Sum Insured, per accident. There is no limitation on the number of accidents for which Accidental Medical Expense Allowance is payable. The plan provides a wide range of coverage, including medical, surgical, therapeutic, X-ray, nursing, physiotherapy, and outpatient treatment performed by a doctor, registered physiotherapist2, registered chiropractor2 or bone-setting3 services performed by a Chinese medicine practitioner.
Accidental Hospitalization Allowance
For extra peace of mind, if the insured is confined to a hospital for 8 hours or more due to accidental bodily injury, an Accidental Hospitalization Allowance of 1.5% of Sum Insured per week will be paid, for up to 52 weeks per accident. And you can spend the cash at your total discretion.
Accidental Income Replacement
If the accidental bodily injury causes the insured to suffer from temporary disability for one week or longer, an Accidental Income Replacement4 will be paid, for up to 52 weeks per accident.
Accidental Disablement Benefit / Accidental Total & Permanent Disability Benefit
If the accidental bodily injury causes the insured to suffer from disability, a lump-sum cash benefit of up to 100% of the Sum Insured4,5 will be provided.
Accidental Death Benefit
If the accidental bodily injury results in the death of the insured, a lump-sum cash benefit of 100% Sum Insured4,5 will be provided.
Double Benefit
If the insured sustains accidental bodily injury in the following locations/conditions, the benefits payable will be doubled6, except for the Accidental Medical Expense Allowance:
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Riding as a fare-paying passenger on any public conveyance over an established land route; or
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Burning of any theatre, hotel, stadium, shopping mall or hospital in which the insured is present at the commencement of the fire; or
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In an elevator (excluding elevators on construction sites and in mines)
Besides, if the insured is confined in an intensive care unit of a hospital on the recommendation of a doctor due to accidental bodily injury for 8 hours or more, the Accidental Hospitalization Allowance will also be doubled6.
1 If the insured is entitled to a reimbursement of accidental medical expenses from any other insurance plans, the insured will only be reimbursed with any excess of the actual expense over the reimbursement amount from other plans.
2 Treatment performed by a registered physiotherapist or registered chiropractor must be recommended by a doctor in advance.
3 Maximum benefit for bone-setting services is US$15 / HK$/MOP120 per visit and up to 5 visits in one calendar year under the same insured with our Company, excluding any oral medicine prescribed by a Chinese medicine practitioner. We reserve the right to require proof by a doctor to confirm the insured sustains accidental bodily injury prior to the relevant treatment is received and to revise or cease to provide the bone-setting benefit at each renewal for all persons insured in the same risk class.
4 The maximum aggregate benefit per accident for Accidental Income Replacement, Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit, and Accidental Death Benefit is 100% of the Sum Insured. If Double Benefit applies, the maximum aggregate benefit is 200% of the Sum Insured.
5 Upon any benefit under Accidental Disablement Benefit, Accidental Total & Permanent Disability Benefit or Accidental Death Benefit has been paid, the policy will terminate.
6 The Double Benefit shall be paid once only for each accident, even if two or more of the above conditions are met.
7 Permanent total loss of use of member shall be treated as loss of member
This information above is for reference only and does not form part of the policy. Please refer to the policy document for benefit coverage and exact terms and conditions. For enquiries, please contact our consultants, franchised agents or brokers, or call our Customer Service Hotline: Hong Kong (852) 2533 5555.