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 Personal Accident Insurance
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What happens when you get into an accident and you and your loved ones are suddenly
faced with additional financial commitment and have no one to turn to? The last thing
you want to do is to leave your family with such financial burden. With Liberty's
Personal Accident Insurance, we provide you with 24-hour worldwide protection and the
peace of mind.
Basic Cover
Accidental Death and Permanent Disability (HK$500,000 - HK$5,000,000)
In the event of death as a result of an accident, Liberty will pay your family a lump
sum amount. Should you be permanently disabled for a period of 12 months, Liberty will
pay you a sum equal to the percentage specified in the Policy.
This section also provides the following special benefits at no extra costs:
i) Second and Third Degree Burns
Liberty will compensate you according to the extent of the burn
if you suffer a second or third degree burn.
ii) Hijacking Cover
Liberty will pay compensation according to the benefits schedule
if you suffer injury or death occurs in the event of a hijack.
iii) Double Indemnity
Liberty will double the indemnity; subject to a maximum amount
of HK$5,000,000; if death or permanent disability occurs while you are traveling in a
public bus, coach, ferry, hovercraft, hydrofoil, ship, taxi, train, tram, underground
train, commercial helicopter or aircraft.
iv) No Claim Bonus
If you have been insured with Liberty for one year and have not
filed for any claim, Liberty will increase your original sum insured for Accidental Death
and Permanent Disability benefit by 5% every year, subject to the cap of HK$5,000,000, up
to a limit of five consecutive years.
v) Disappearance and Exposure
If you suffer death or permanent disability after being exposed to elements as the result
of a covered accident, or your body has not been found one year after your disappearance
on an aircraft or vessel which has crashed or sunk, Liberty will compensate you according
to the benefits schedule.
vi) Free Worldwide Emergency Assistance Services
If you are traveling outside Hong Kong, Liberty will provide you with 24-hour worldwide
free access to assistance services such as medical advice and referral, medical appointment
and trip information. These assistance services are provided by International SOS (HK) Ltd.
vii) Sports Cover
Liberty will cover all sports such as skiing, scuba diving and bungee-jumping except
for any form of flying, racing or professional sports.
Optional Cover
Temporary Total Disability (HK$250 per week - HK$5,000 per week)
a) If you become temporarily totally disabled and cannot perform your usual work duty,
Liberty will pay you a weekly amount up to a maximum period of 104 weeks. The weekly
indemnity will be subject to 65% of your actual weekly wages.
b) If you are self employed, the cover is valid for the period when you are hospitalized
for accidental bodily injury and Liberty will reduce your premium by 50%.
c) In the event of claim, you have to provide evidence of income.
Accidental Medical Expenses (HK$5,000 - HK$200,000)
Liberty will pay you the actual expenses incurred for treatment of injury by a registered
medical practitioner when the injury took place within 12 months from the date of accident.
Liberty will also pay for the cost of treatment by Chinese bonesetter or herbalist.
Family Discount
If you decide to purchase the personal accident policy for yourself and your family
members at the same time, Liberty will offer you and your family members a family
discount on the annual premium. Please obtain additional
application forms for your family members.
Note: this webpage serves as a general guideline. Please refer to the
Policy and Schedule for details of cover.
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