AccidentShield Protection Plan

At a Glance

Personal accident coverage

Offers protection in the event of accidents for death or permanent disablement (total or partial) such as loss of sight, loss of speech, loss of a limb, etc up to HKD1,000,000.

Double indemnity

Offers extra protection to cover accidental death or permanent total disablement caused to the insured in the event of travelling as a passenger in a Public Common Carrier up to HKD1,000,000.

Accidental medical expenses

Provides reimbursement of medical, surgical, hospital, chiropractic and physiotherapy expenses for accidental injury up to HKD20,000.

Chinese bonesetting coverage

Covers the medical expenses of Chinese bonesetting up to HKD1,000 due to accidental injury.

Chiropractic and physiotherapy coverage

Covers the medical expenses of chiropractic and physiotherapy up to HKD1,500 due to accidental injury.

Burns coverage

Offers medical protection of burns up to HKD100,000 due to accidental injury.

Fractured bone coverage

Offers medical protection of fractured bone up to HKD8,000 due to accidental injury.

Personal liability coverage up to HKD1,000,000

Protects against the insured person becoming legally liable to pay compensation for an Accident which causes bodily injury to any other person or destruction of the property of others.

Post-hospitalisation clinical services up to 15 visits

Provides post hospitalisation clinical services including medical follow-up consultation, secondary specialist’s medical advice, physician examination and occupation evaluation or physiotherapy.

Protection for you arising from accidental injury with AccidentShield Protection Plan, underwritten by Chubb Insurance Hong Kong Limited.

The above information is the highlights of the plan’s coverage only. For the plan’s details, please refer to the terms and conditions and exclusions of the Policy.

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Terms and Conditions

Features & Benefits

Coverage		Maximum Benefit Amount per Insured Person* (HKD)
		Basic Plan	Comprehensive Plan
A.	Accidental Death and Permanent Disablement Benefit
	(a). Accidental Death	500,000	1,000,000
	(b). Permanent Disablement	500,000	1,000,000
	(c). Double Indemnity in Public Common Carrier	If the Insured Person suffers an Accidental Death or Permanent Disablement (not applicable to disablement less than 100%), while the Insured Person is travelling as a passenger in a Public Common Carrier, the Coverage A (a) or (b) benefit will be doubled.
B.	Accidental Medical Expenses	10,000 per Policy Year	20,000 per Policy Year
	Sublimit:
	i. Chinese Bonesetting Expenses	500 per Policy Year 100/visit, 1 visit per day	1,000 per Policy Year 100/visit, 1 visit per day
	ii. Chiropractic and Physiotherapy Expenses	1,500 per Policy Year 300/visit, 1 visit per day	1,500 per Policy Year 300/visit, 1 visit per day
C.	Personal Liability	500,000 per Policy Year	1,000,000 per Policy Year
D.	Post Hospitalization Clinical Services - provided and arranged by UCMG	Up to 15 visits per Accidental Injury within 2 months from the discharge date from Hospital
E.	Burns Benefit	50,000	100,000
F.	Fractured Bone Benefit	3,000 per Policy Year	8,000 per Policy Year

* Spouse and Main Insured’s Child(ren) benefit limits:

The benefit limits payable to the Main Insured's Spouse shall match the Main Insured's benefit level.
The benefit limits payable to each of the Main Insured's Child(ren) are as follows:
1. capped at fifty percent (50%) of the Main Insured's benefit level, subject to a maximum benefit payable of HKD100,000 (applicable to Coverages A(a), A(b), B, C, E, and F).
2. capped at fifty percent (50%) of the Main Insured's benefit level, subject to a maximum benefit payable of HKD200,000 (applicable to Coverages A(c)).
3. capped at HKD200,000 for all the coverages under Your Policy.

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Apply nowFor enquiry, please call at (852) 3191 6618
(Office Hours: Mondays to Fridays, from 9:00am to 6:00pm, excluding public holidays)

How to Make a ClaimSubmitting claims

You can submit your claim to Chubb online at Chubb Claim Centre, or directly to Chubb's mailing address (Chubb Insurance Hong Kong Limited 39/F, One Taikoo Place, 979 King’s Road, Quarry Bay, Hong Kong Attn: Claims Department)Supporting documents

You should complete a claim form and submit together with the supporting documents, including (i) original receipts for any expenses incurred; (ii) any reports that have been obtained from the police, a carrier or other authorities about an accident; and (iii) any other documentary evidence required by Chubb to Chubb Insurance Hong Kong Limited within thirty (30) days of the event taking place.Processing and payment of claims

Chubb must take all reasonable steps to pay a valid claim promptly.
Unless specified otherwise, Chubb will pay amounts under your policy to you.
No payments under this Policy shall carry interest.

Frequently Asked Questions

Is there any age limit for the Insured Person(s)?

Yes, the Insured Person(s) must be aged 18 or above and under 61 years of age, while child(ren) must be between 6 months old and aged 21 or up to aged 23 for a full-time student.

(At the policy commencement date)

Can students apply in this Plan as main insured or spouse?

Except for students studying abroad, any students aged 18 and up to aged 60 on the policy effective day, and with Hong Kong as their place of permanent residence can apply for this Plan as main insured or spouse.

Will the insured be required to undertake any medical examination for applying for this Plan?

No medical check-up is needed.

Is this Plan subject to any regional and temporal restrictions?

The plan provides a daily 24-hour worldwide coverage for this Plan without any regional and temporal restrictions. However, applicant must be Hong Kong resident(s) living in Hong Kong Special Administrative Region.

What occupations or industries of the Insured Person are excluded from this Plan?

You can apply for this Plan if you aren't engaged in the following occupations / industries: disciplinary forces or emergency services (disciplinary forces shall include but not be limited to policemen, customs officers, firemen, paramedics, immigration officers / inspectors and correctional service officers / inspectors etc.), active armed services or forces, offshore oil and gas rigs, professional sportspersons, diving and related occupations; ship crews, pilots and aircrew, forestry, logging and saw mills, mining and extraction, fishing / aquaculture, construction workers, railway workers, gondola or scaffolder workers, stunt persons, use of explosives, couriers, two-wheeler delivery.

Can housewives or retired persons apply for this Plan?

Yes, housewives or retired persons aged 18 years or above and under years of age can enroll in this "AccidentShield Protection Plan".

May I hold similar protection from another insurance company?

You may hold similar policies from two insurance companies at the same time, however, you cannot be covered by more than one " AccidentShield Protection Plan" underwritten by Chubb Insurance Hong Kong Limited at the same time. As for making claims, it depends on the terms and conditions of each policy. Please check with both insurance companies to understand the policy details.

What is “Free policy examination period”?

"Free policy examination period" means the Insured will be entitled to review the policy within 15 days after receipt of the policy. For any reason he / she isn't satisfied, simply return it with a written notice within 15 days after receipt of the policy. The policy will be cancelled and any premium already paid will be refunded if you haven't made a claim.

Do I need to arrange AccidentShield Protection Plan renewal upon expiry?

No. Your policy will be automatically renewed on renewal date until you reach the age of 65, if no cancellation notice is given and the premium is paid.

If the insured dies or becomes disabled from illness, pregnancy or childbirth or commits suicide during the term of accident insurance, will he/she be covered by this Plan?

All these are exclusions under this product.

Important Notes:

The above insurance plan is underwritten by Chubb Insurance Hong Kong Limited ("Chubb"). Chubb reserves the right of final approval. DBS Bank (Hong Kong) Limited (the "Bank") is an insurance agent authorised by Chubb.
The Bank distributes the product for Chubb and the product is a product of Chubb but not the Bank.
DBS Chubb Insurance Service Hotline is a dedicated enquiry hotline for DBS customers serviced by Chubb.
This Policy shall automatically renew on each Renewal Date, subject to Chubb’s right to amend the premium rate, coverage, terms and conditions as Chubb deems appropriate upon renewal. For monthly premium payment mode, the Policy shall renew for successive periods of one (1) month. For annual premium payment mode, the Policy shall renew for successive periods of one (1) month until the expiry of twelve (12) months from the Commencement Date or the relevant Anniversary Date. You must give Chubb one (1) month written cancellation notice in advance if you want to cancel your Policy. The cancellation will take effect on the next Renewal Date after the expiry of such cancellation notice period.
Major exclusions of the AccidentShield apply to the loss or damage which is caused by, arising from or in any way connected with suicide, attempted suicide or deliberate self-inflicted injury by the insured regardless of the state of his/her mental health; any criminal or illegal act committed or attempted by the insured; insured engaging or participating in any kind of test drive, racing or competition on wheels; any consequences of war, invasion or civil war, any act of terrorism, taking part in a riot, or civil commotion; pregnancy, childbirth, miscarriage, abortion or complications arising; pre-existing medical condition; the insured is engaged in the following occupations/ industries: disciplinary forces or emergency services; active armed services or forces; offshore oil and gas rigs; professional sportspersons; diving and related occupations; ship’s crew; pilots and aircrew; forestry; logging and saw mills; mining and extraction; fishing/aquaculture; construction workers; railway workers; gondola or scaffolder workers; stunt person; use of explosives; couriers; two wheeler deliveryThe above information are the highlights of plan’s coverage only. For the plan's details, please refer to the terms and conditions and exclusions of the policy. In the event of any discrepancy between English and Chinese version, the English version shall prevail.
In the event of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank will enter into a Financial Dispute Resolution Scheme process with the customer.
Any disputes over the contractual terms of the policy should be resolved directly between Chubb and the customer.

Under the “Insurance Ordinance”(Cap. 41), the Insurance Authority (IA) has started to collect the levy on insurance premiums from policyholders through insurance companies from 1 January 2018. For more details, please refer to: www.ia.org.hk/en/levy.

AccidentShield Protection Plan

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