澄清声明 / 澄清聲明

针对近期本公司接连收到有关保单交易的查询，本公司从未授权有关人等以本公司名义招揽订立保险投资协议，有关人等的行为或涉嫌误导消费者、欺诈等不法行为。为维护本公司商誉及权益，本公司特此声明并澄清如下：

1、 本公司从未承保此类担保业务，亦从未授权任何人士对外招揽投资，此疑为第三者利用本公司之良好商誉，以图进行诈骗；该等人士所涉及之任何投资招揽行为，与本公司一概无关。如涉及不法行为及＼或侵犯本公司相关权利，本公司将采取一切必要的法律措施维护本公司的权益。

2、 以上严正声明，以正视听，并特别呼吁投资者提高警觉，审慎确认相关交易，切莫误信造成损害。

如任何人士因上述交易而招致任何损失，本公司一概不负责，并保留一切追究权利。

中国人民保险（香港）有限公司谨敬

針對近期本公司接連收到有關保單交易的查詢，本公司從未授權有關人等以本公司名義招攬訂立保險投資協議，有關人等的行為或涉嫌誤導消費者、欺詐等不法行為。為維護本公司商譽及權益，本公司特此聲明並澄清如下：

1、 本公司從未承保此類擔保業務，亦從未授權任何人士對外招攬投資，此疑為第三者利用本公司之良好商譽，以圖進行詐騙；該等人士所涉及之任何投資招攬行為，與本公司一概無關。如涉及不法行為及＼或侵犯本公司相關權利，本公司將採取一切必要的法律措施維護本公司的權益。

2、 以上嚴正聲明，以正視聽，並特別呼籲投資者提高警覺，審慎確認相關交易，切莫誤信造成損害。

如任何人士因上述交易而招致任何損失，本公司一概不負責，並保留一切追究權利。

中國人民保險（香港）有限公司謹敬
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    Personal insurance

      Business insurance

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      Accident

      guarantee period:

      1 year

      insurance age:

      16-75 one full year of life

      What is Accident insurance            

      PICC Hong Kong has a variety of accident products for different groups of people, such as travel insurance products that fully cover domestic and overseas travelers, overseas workers and students.

      Features        

      •                    

        Double compensation

        Double indemnity for up to HK $3,000,000 in case of traffic accident while travelling The company will also provide double medical compensation for third-degree burns caused by accident.

      •                    

        24-hour support

        No matter where you are in an accident overseas, the 24-hour global Support hotline will provide you with medical advice and referral services, including emergency medical transport or repatriation services, hospital deposit, travel information, etc.

      •                    

        Covering family members

        One policy covers you and/or your family members in the same policy.Family members include your spouse and children.

      •                    

        Premium waiver

        Each insured person is entitled to one child's premium exemption when the family is insured.

      •                    

        Discount

        Family insurance can protect the applicant's spouse and up to 10 children, enjoy the premium discount.

      •                    

        Hospitalization benefit

        Hospitalization benefits up to a maximum of HK $450 per day will be provided for accident necessaries.

      •                    

        Global

        Global personal accident protection.

      Coverage        

      • Plan A

      • Plan B

      • Plan C

      Standard Benefits

      Accidental Death and Permanent DisablementWe will pay cash benefits according to the scale of benefits for bodily injury resulting in death or permanentdisablement within 12 months from the date of accident                    

      Accidental Medical ExpensesIf you require medical treatment from a hospital or clinic for injury resulting from an accident, we will pay the actual necessary and reasonable medical expenses incurred provided such treatment is received from a legally qualified and registered medical practitioner                    

      Extension:

      Cover for Chinese Herbalist/ Bonesetter/ Acupuncturist Treatment ExpenseSubject to an amount not exceeding HK$150 per consultation per day.                    

      Cover for Chiropractor Treatment/ PhysiotherapySubject to an amount not exceeding HK$300 per consultation per day.                    

      Double Medical Indemnity for Third Degree BurnThe sum insured under Accidental Medical Expenses shall be doubled for Third Degree Burn                    

      Free Additional Benefits

      Double Indemnity Death or permanent disablement benefits will be doubled up to a maximum limit of HK$3,000,000 if the accident is a result of
      (a) traffic accident occurs while traveling as a fare-paying passenger in underground railway, railway train, tram car, taxi, public light bus, public bus, rental car, ferry, scheduled airlines or private car or
      (b) landslide, flood, explosion or fire.                          

      Immediate Cash Relief A cash relief payment will be made to the deceased’s beneficiary in the event of the death of the Insured Person resulting from which a valid claim is payable under this Policy.                    

      Hospital Confinement AllowanceIn the event of the Insured Person being confined in hospital for treatment of Injury caused by an Accident, a daily benefit is payable for such period of confinement subject to minimum confinement of 5 consecutive days and a maximum of 180 days.                    

      No Claim Bonus If you do not make any claim during the preceding year, the sum insured for Accidental Death and Permanent Disablement will be increased by 10% compounding each year over a 5 year period subject to a maximum bonus of HK$500,000 in aggregate.                    

      • Maximum Limit (HK$)

        500,000

        15,000

        -

        1,000

        1,000

        30,000

        1,000,000

        50,000

        13,500(75/day)

        500,000

      • Maximum Limit (HK$)

        1,000,000

        30,000

        -

        2,000

        2,000

        60,000

        2,000,000

        75,000

        27,000(150/day)

        500,000

      • Maximum Limit (HK$)

        1,500,000

        50,000

        -

        3,000

        3,000

        100,000

        3,000,000

        100,000

        81,000(450/day)

        500,000

      • Plan A

      • Plan B

      • Plan C

      Standard Benefits Maximum Limit (HK$)
      Death and Permanent DisablementWe will pay cash benefits according to the scale of benefits for bodily injury resulting in death or permanentdisablement within 12 months from the date of accident                                     500,000
      Accidental Medical ExpensesIf you require medical treatment from a hospital or clinic for injury resulting from an accident, we will pay the actual necessary and reasonable medical expenses incurred provided such treatment is received from a legally qualified and registered medical practitioner                                     15,000
      Extension:
      Cover for Chinese Herbalist/ Bonesetter/ Acupuncturist Treatment ExpenseSubject to an amount not exceeding HK$150 per consultation per day.                                     1,000
      Double Medical Indemnity for Third Degree BurnThe sum insured under Accidental Medical Expenses shall be doubled for Third Degree Burn                                     30,000
      Free Additional Benefits
      Double IndemnityDeath or permanent disablement benefits will be doubled up to a maximum limit of HK$3,000,000 if the accident is a result of
      (a) traffic accident occurs while traveling as a fare-paying passenger in underground railway, railway train, tram car, taxi, public light bus, public bus, rental car, ferry, scheduled airlines or private car or
      (b) landslide, flood, explosion or fire.                                                 		1,000,000
      Immediate Cash Relief A cash relief payment will be made to the deceased’s beneficiary in the event of the death of the Insured Person resulting from which a valid claim is payable under this Policy.                                     50,000
      Hospital Confinement AllowanceIn the event of the Insured Person being confined in hospital for treatment of Injury caused by an Accident, a daily benefit is payable for such period of confinement subject to minimum confinement of 5 consecutive days and a maximum of 180 days.                                     13,500(75/day)
      No Claim Bonus If you do not make any claim during the preceding year, the sum insured for Accidental Death and Permanent Disablement will be increased by 10% compounding each year over a 5 year period subject to a maximum bonus of HK$500,000 in aggregate.                                     500,000
      Standard Benefits Maximum Limit (HK$)
      Death and Permanent DisablementWe will pay cash benefits according to the scale of benefits for bodily injury resulting in death or permanentdisablement within 12 months from the date of accident                                     1,000,000
      Accidental Medical ExpensesIf you require medical treatment from a hospital or clinic for injury resulting from an accident, we will pay the actual necessary and reasonable medical expenses incurred provided such treatment is received from a legally qualified and registered medical practitioner                                     30,000
      Extension:
      Cover for Chinese Herbalist/ Bonesetter/ Acupuncturist Treatment ExpenseSubject to an amount not exceeding HK$150 per consultation per day.                                     2,000
      Double Medical Indemnity for Third Degree BurnThe sum insured under Accidental Medical Expenses shall be doubled for Third Degree Burn                                     60,000
      Free Additional Benefits
      Double IndemnityDeath or permanent disablement benefits will be doubled up to a maximum limit of HK$3,000,000 if the accident is a result of
      (a) traffic accident occurs while traveling as a fare-paying passenger in underground railway, railway train, tram car, taxi, public light bus, public bus, rental car, ferry, scheduled airlines or private car or
      (b) landslide, flood, explosion or fire.                                                 		2,000,000
      Immediate Cash Relief A cash relief payment will be made to the deceased’s beneficiary in the event of the death of the Insured Person resulting from which a valid claim is payable under this Policy.                                     75,000
      Hospital Confinement AllowanceIn the event of the Insured Person being confined in hospital for treatment of Injury caused by an Accident, a daily benefit is payable for such period of confinement subject to minimum confinement of 5 consecutive days and a maximum of 180 days.                                     27,000(150/day)
      No Claim Bonus If you do not make any claim during the preceding year, the sum insured for Accidental Death and Permanent Disablement will be increased by 10% compounding each year over a 5 year period subject to a maximum bonus of HK$500,000 in aggregate.                                     500,000
      Standard Benefits Maximum Limit (HK$)
      Death and Permanent DisablementWe will pay cash benefits according to the scale of benefits for bodily injury resulting in death or permanentdisablement within 12 months from the date of accident                                     1,500,000
      Accidental Medical ExpensesIf you require medical treatment from a hospital or clinic for injury resulting from an accident, we will pay the actual necessary and reasonable medical expenses incurred provided such treatment is received from a legally qualified and registered medical practitioner                                     50,000
      Extension:
      Cover for Chinese Herbalist/ Bonesetter/ Acupuncturist Treatment ExpenseSubject to an amount not exceeding HK$150 per consultation per day.                                     3,000
      Double Medical Indemnity for Third Degree BurnThe sum insured under Accidental Medical Expenses shall be doubled for Third Degree Burn                                     100,000
      Free Additional Benefits
      Double IndemnityDeath or permanent disablement benefits will be doubled up to a maximum limit of HK$3,000,000 if the accident is a result of
      (a) traffic accident occurs while traveling as a fare-paying passenger in underground railway, railway train, tram car, taxi, public light bus, public bus, rental car, ferry, scheduled airlines or private car or
      (b) landslide, flood, explosion or fire.                                                 		3,000,000
      Immediate Cash Relief A cash relief payment will be made to the deceased’s beneficiary in the event of the death of the Insured Person resulting from which a valid claim is payable under this Policy.                                     100,000
      Hospital Confinement AllowanceIn the event of the Insured Person being confined in hospital for treatment of Injury caused by an Accident, a daily benefit is payable for such period of confinement subject to minimum confinement of 5 consecutive days and a maximum of 180 days.                                     81,000(450/day)
      No Claim Bonus If you do not make any claim during the preceding year, the sum insured for Accidental Death and Permanent Disablement will be increased by 10% compounding each year over a 5 year period subject to a maximum bonus of HK$500,000 in aggregate.                                     500,000

      24-Hour Worldwide Emergency Assistance Services

      Dedicated emergency assistance hotline to provide immediate assistance whenever you encounter any accident during your overseas trip. Services includeMedical Evacuation, Repatriation, Deposit Guaranteeing of Hospital Admission, Travel Information etc.(Note: This service is provided by Inter Partner Assistance. You may need to bear the cost of services, if any, being incurred.)

      Notes            

      Age Limit：18 – 75 years old

      Occupation：Persons engaging in professional, administrative and clerical duties generally, or in occupations of a superintending nature or which may involve occasional light manual work.

      Main Exclusions

      Sickness or diseases; suicide or self-inflicted injuries; unnecessary medical or surgical treatment; cosmetic surgery for purpose of beautification; venereal disease or insanity, AIDS; pregnancy or childbirth; acts committed under the influence of drugs or alcohol; disciplined forces such as duties as part of the police, fire services, military or armed security guard; direct participation in terrorist acts, strike, riot or civil commotion; injury due to war, nuclear weapons, radioactivity; any acts violating the law engaging or participating sports in a professional capacity or where you should or could earn income or remuneration from engaging or participating in such sport; engaging or participating in speed contest or racing(other than on foot); aviation except as a fare-paying passenger.

      Family insurance of couples will enjoy premium benefits, each insured can have one child’s premium waived. Eligible children should be 3-17 years old without marriage and employment or unmarried full time students under 23 years old.

      File download        

      • Download of Application form

      • Standard terms download

      This plan is subject to the terms, conditions and exclusions of the relevant policy agreement.PICC Hong Kong reserves the final right to accept applications under the Scheme.The above information is for general purposes only and does not constitute any contract with any person.Please refer to our contract for details of the terms, conditions and exclusions of this scheme.

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