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Breezy Care Personal Accident Insurance Plan
Online Exclusive 30% Off
Breezy Care Personal Accident Insurance Plan
Plan highlights
HKD 8 million extended family protection
- Covers your extended family members, including your parents and parents-in-law.
- Provides up to HKD 3.5 million coverage for accidental death and permanent disablement of the family breadwinner(s)1.
- Provides accidental death and permanent disablement coverage for all insured and all your children2 under a single price, with a shared limit for all.
HKD 8 million extended family protection
- Covers your extended family members, including your parents and parents-in-law.
- Provides up to HKD 3.5 million coverage for accidental death and permanent disablement of the family breadwinner(s)1.
- Provides coverage for all insured and all your children2 at no additional cost, with a shared limit for all.
No daily limit for Chinese medicine bone-setting and physiotherapy expenses
- Up to HKD 300,000 Accidental Medical Expense Coverage for adults per year3, covering inpatient and various outpatient expenses.
- Outpatient expenses for accidents (General medical practitioner and specialist medical treatment, Chinese medicine bone-setting expenses and Chinese medicine acupuncture expenses, chiropractic and physiotherapy expenses) have no itemized sub-limits or daily limits.
- Covers outpatient medication, diagnostic scans and laboratory tests, and recovery equipment expenses.
No daily limit for Chinese medicine
bone-setting and physiotherapy expenses
- Up to HKD 300,000 Accidental Medical Expense Coverage for adults per year3, covering inpatient and various outpatient expenses.
- Outpatient expenses for accidents (General medical practitioner and specialist medical treatment, Chinese medicine bone-setting expenses and Chinese medicine acupuncture expenses, chiropractic and physiotherapy expenses) have no itemized sub-limits or daily limits.
- Covers outpatient medication, diagnostic scans and laboratory tests, and recovery equipment expenses.
Covers dangerous amateur sports activities
- Covers a wide range of dangerous amateur sports such as winter sports, scuba diving, water skiing, rock climbing, horse-riding and more.
Covers dangerous amateur sports activities
- Covers a wide range of dangerous amateur sports such as winter sports, scuba diving, water skiing, rock climbing, horse-riding and more.
No-claim discount and no health assessments required
- If you haven’t made any claims during your policy period4, you’ll receive up to 15% no-claim discount when you renew.
- Instant enrollment with no health assessment required.
No-claim discount and no health assessments required
- If you haven’t made any claims during your policy period4, you’ll receive up to 15% no-claim discount when you renew.
- Instant enrollment with no health assessment required.
Entry from 15 days to 80 years, lifetime renewals
- Enroll from as early as 15 days old and up to 80 years old, benefit from lifelong renewals with no age restrictions.
Entry from 15 days to 80 years, lifetime renewals
- Enroll from as early as 15 days old and up to 80 years old, benefit from lifelong renewals with no age restrictions.
Which plan should I enroll?
Individual Plan
Designed for individual coverage:
- Junior (enrollment age at 15 days to 17 years old, or 18-23 years old full-time student)
- Adult (enrollment age at 18 - 70)
- Elderly (enrollment age at 71 - 80, lifetime renewal)
Family Plan*
Provides coverage of up to HKD 5 million protection for your whole family.
- Covers 1 adult, 1 spouse/domestic partner and all your children2.
Extended Family Plan*
Provides coverage of up to HKD 8 million protection for your whole family.
- Covers 1 adult, 1 spouse/domestic partner, all your children2, plus up to 2 parents or parents-in-law.
- You can add up to two parents or parents-in-law for an extra cost.
Why do you and family need Personal Accident Insurance?
Junior
They are active and perhaps more prone to accidents, which can happen anytime—at home, on the street, or at sports or play. Breezy Care offers multiple protection, giving parents confidence as their children grow.
Adult
Adults juggle work and family while facing unexpected risks in their daily routines. Optional weekly income protection (up to HKD 3,000 per week) is one of the features of Breezy Care to help reduce the financial burden in the case of serious accident so you can focus on what matters.
Elderly
As we age, there will be higher risks of accidental injury and longer recovery time, they especially need reliable accidental medical and nursing care coverage upon accident.
| Maximum benefits per insured person (HKD) | |||
|---|---|---|---|
| Junior | Adult | Elderly | |
| (a) Accidental death and permanent disablement |
300,000 | Option 1 - 1,000,000 Option 2 - 1,500,000 Option 3 - 2,000,000 |
300,000 |
| (b) Additional indemnity in accidental death and permanent disablement due to accident during school activities |
150,000 | N/A | N/A |
| (c) Additional indemnity in accidental death and permanent disablement due to accident within Greater Bay Areaa |
N/A | N/A | 150,000 |
| (d) Burns | 100,000 | 250,000 | 150,000 |
| (e) Broken bones | 15,000 | 50,000 | 30,000 |
| (f) Burial cost | 30,000 | 50,000 | 30,000 |
aGreater Bay Area refers to Macau, Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing in this policy, unless specified
| Maximum benefits per insured person (HKD) | |||
|---|---|---|---|
| Junior | Adult | Elderly | |
| (a) Hospitalization expenses (per accident) |
10,000 | Option 1 - 10,000 Option 2 - 15,000 Option 3 - 20,000 |
10,000 |
| (b) Out-patient expenses Inclusive of: (per accident) •General medical practitioner •Specialist medical treatment •Chinese medicine bone-setting expenses •Chinese medicine acupuncture expenses •Chiropractic expenses •Physiotherapy expenses |
3,000 | Option 1 - 3,000 Option 2 - 4,500 Option 3 - 6,000 |
4,000 |
| (c) Out-patient medication expenses (per accident) | 1,000 | 2,000 | 1,000 |
| (d) Out-patient diagnostic scan and laboratory test (per accident) | 1,000 | 2,000 | 1,000 |
| (e) Recovery equipment (per accident) | 500 | 2,000 | 1,000 |
| (f) Additional hospitalization expenses overseas (per accident) | 10,000 | Same as Section 2(a) | 10,000 |
| Maximum per policy year limit in Section 2 (b) - (d) | 20,000 | Option 1 - 25,000 Option 2 - 35,000 Option 3 - 50,000 |
25,000 |
| Maximum per policy year limit in Section 2 (a) - (f) | 120,000 |
Option 1 - 150,000 Option 2 - 200,000 Option 3 - 300,000 |
120,000 |
| Maximum benefits per insured person (HKD) | |||
|---|---|---|---|
| Junior | Adult | Elderly | |
| (a) Daily hospital cash allowance (per accident) |
400 (max. 31 days) |
500 (max. 31 days) |
400 (max. 45 days) |
| (b) Additional daily hospital cash allowance due to accident during school activities (per accident) |
200 (max. 14 days) |
N/A | N/A |
| (c) Additional daily hospital cash allowance due to accident on public common carrier (per accident) | N/A | 200 (max. 14 days) |
N/A |
| (d) Additional daily hospital cash allowance due to accident within Greater Bay Areaa (per accident) | N/A | N/A | 200 (max. 14 days) |
aGreater Bay Area refers to Macau, Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing in this policy, unless specified
| Maximum benefits per insured person (HKD) | |||
|---|---|---|---|
| Junior | Adult | Elderly | |
| (a) Parent/spouse annual leave compensation (per accident) |
200 per day (max. 14 days) |
300 per day (max. 14 days) |
N/A |
| (b) Home nursing fee (per accident) |
N/A | 300 per day (max. 31 days) |
400 per day (max. 90 days) |
| (c) Home renovation expenses | 20,000 | 30,000 | 25,000 |
| (d) Trauma counselling benefit | 5,000 (1,000 per visit) |
5,000 (1,000 per visit) |
5,000 (1,000 per visit) |
| (e) Allowance on missed event in Greater Bay Areaa due to accidental injury hospitalization on event date | 200 | 300 | 200 |
| (f) Allowance to the elderly on accidental injury caused by specified illness as listed: •Cataract •Dementia •Glaucoma •Osteoporosis •Parkinson's Disease |
N/A | N/A | 1,000 per accident 2,000 per policy year |
aGreater Bay Area refers to Macau, Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing in this policy, unless specified
| Maximum benefits per insured person (HKD) | |||
|---|---|---|---|
| Junior | Adult | Elderly | |
| (a) Emergency evacuation or repatriation service |
Actual cost | ||
| (b) Repatriation of mortal remains |
Actual cost | ||
| (c) Hospital admission guarantee | 39,000 | ||
| (d) Compassionate visit | 1 round-trip economy class airfare | ||
| (e) 24-hour telephone hotline information and referral service | Included |
||
| Maximum benefits per insured person (HKD) | |||
|---|---|---|---|
| Junior | Adult | Elderly | |
| Weekly incomeb (max. 52 weeks)
|
N/A | Option 1 - 1,000 Option 2 - 2,000 Option 3 - 3,000 |
N/A |
boptional benefit for insured person under Occupation Classes 1 & 2
Case studies
Case 1：Junior Cover – protection after a football accident at school
Background：
Mr. Lam wanted to ensure that his active sons is well protected in case of unexpected accidents. He bought Breezy Care to safeguard against unforeseeable accidental medical expenses and provide extra support if his child is injured.
Incident：
During a school football game, Mr. Lam’s two sons suffered from a broken arm. Recovery involves hospitalization, out-patient treatments and ongoing physiotherapy.
Outcome：
With Breezy Care, the medical bills of his sons were covered, including hospitalization and follow-up outpatient visit expenses. Mr. Lam also received daily cash allowances. Breezy Care provides an extra hospital cash allowance for staying in a public hospital in the first 14 days of admission for accidents during school activities. This financial support allowed Mr. Lam’s family to focus on their son’s recovery without financial concern.
| Maximum coverage amount (HKD) | |||
|---|---|---|---|
| Hospitalization expenses (per accident) |
10,000 | ||
| Out-patient expenses# Inclusive of: (per accident) •General medical practitioner •Specialist medical treatment •Chinese medicine bone-setting expenses •Chinese medicine acupuncture expenses •Chiropractic expenses •Physiotherapy expenses |
3,000 | ||
| Out-patient diagnostic scan and laboratory test (per accident)# | 1,000 | ||
| Broken bones cover | Up to 15,000 | ||
| Daily hospital cash allowance (per accident)# | 400 per day (max. 31 days) | ||
| Additional daily hospital cash allowance due to school activities (per accident)# | 200 per day (max. 14 days) | ||
| Parent annual leave compensation (per accident)# | 200 per day (max. 14 days) | ||
#shared coverage
Frequently asked questions (FAQ)
Learn more
1A member of the family covered under the policy, who, at the time of an accident, is:
- aged between 18 to 70; and
- works for full-time employment to earn money for the family; and
- the primary source of support for the family dependents living in the same household; and
- contributed substantially of his/her earnings to the expenditure of the family.
2Applicable to the policyholder’s children aged 15 days to 17 years, and unmarried full-time students aged 18 to 23 years.
3Per policy year
4For Family and Extended Family Plans, the no-claim discount is based on the entire policy. If no family member makes a claim during the policy period, your family will be eligible for a discount on renewal.
*To be eligible for this plan, you must include at least one child.
This policy does not cover death, disablement, injury or loss directly or indirectly caused by, resulting from or in connection with any of the following:
- The time when the insured person is engaging in duty for Occupation Class 3 or above or any occupation principally involving the use of light machinery or engines and any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment, including but not limited to entertainers, newspaper-war correspondents, truck drivers, China-Hong Kong cross border drivers, jockeys, detectives and caisson workers, disciplinary forces, or armed forces of any country or international authority;
- Any pre-existing conditions;
- Any kind of disease or sickness; or any loss caused by an injury which is a consequence of any kind of disease, except Section 4(f) - Allowance to the elderly on accidental injury caused by specified illness as listed: Cataract, Dementia, Glaucoma, Osteoporosis, Parkinson's Disease (aged 71 or above only)
- Any cosmetic surgery, procurement or use of special braces, appliances or equipment of any kind of disease;
- The insured person’s participation in any illegal or unlawful acts;
- Riding or driving in any kind of motor racing, or engaging in sport in a professional capacity or where the insured person would or could earn income or remuneration from engaging in such sport;
- Air travel other than as a passenger on a regular scheduled airline or licensed chartered aircraft;
- Suicide, attempted suicide or intentional self-injury, insanity, mental disorder of any kind, psychosis, stress or depression, any condition under the influence of alcohol or drugs (other than those prescribed by a qualified medical practitioner), childbirth, pregnancy, miscarriage or Acute Mountain Sickness;
- War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power, or direct participation in strike, riot or civil commotion;
- Any injury, illness, death, loss, expense or other liability attributable to HIV (Human Immune Deficiency Virus) and/or HIV-related illness including AIDS and/or any mutant derivative or variations thereof however caused or however named;
- Any expenses, consequential loss, legal liability or loss of or damage to any property directly or indirectly arising from:
(i) lonising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or
(ii) the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component.
- “2025 Personal Accident Insurance Premium Discount Promotion” (“Promotion”) is provided by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) (“Zurich”).
- This Promotion is only applicable to selected Insurance Plan: Breezy Care Personal Accident Insurance Plan.
- Customers who apply for the above Insurance Plan(s) through Zurich website with designated promo codes (“Promo code”) from Aug 22, 2025 to Sep 30, 2025 (“Promotion Period”) with the policy successfully issued by Zurich and effective on or before Sep 30, 2025, will be eligible to enjoy 30% first-year premium discount.
- Promo code is subject to a limited quota and is available on a first-come-first-served basis.
- If the customer is also entitled to other prevailing promotional offer(s) in respect of the same policy(ies), Zurich reserves the right to provide only one of such offers to the customer, at Zurich’s sole discretion.
- The date and time appearing in the records of Zurich shall be conclusive as to the date and time relevant to the Promotion Period. Zurich shall not be responsible for any interruption, delay, loss, error or unrecognized information in relation to the application process due to technical problems including any computer or network problems.
- Zurich reserves the right to alter or terminate the Promotion (in whole or in part) or amend the Promotion Terms and Conditions at any time without prior notice.
- In case of any disputes of the Promotion, the decision of Zurich shall be final and conclusive.
- The Promotion discount is non-exchangeable for other gifts, non-redeemable for cash, and no change will be given.
- In the event of any inconsistency between the Chinese and English versions of these terms and conditions, the English version shall prevail.
The insurance plan is underwritten by Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability).
The information contained herein is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document which shall prevail in case of inconsistency. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail. Zurich Insurance Company Ltd reserves the right of final approval and decision on all matters.