Passenger Prime Protection
Personal accident
If you sustain injury as a result of an accident* during the period of insurance, you are entitled to:
- Up to HKD 3,000,000 accidental death benefit^; or
- HKD 100,000 permanent disablement benefit
Daily hospital income
If you are confined in a hospital in Hong Kong due to injury sustained as a result of an accident* during the period of insurance, you are entitled to HKD 750 per day of hospital income benefit, up to a maximum of 15 days per accident.
*Accident means a sudden and unforeseen event that happened unexpectedly and causes injury to the insured person in Hong Kong while riding solely as a fare paying passenger (not as operator or crew member) in or on, boarding or alighting from any public common carrier, or as a passenger on a private car, which is licensed to operate in Hong Kong. For the avoidance of doubt, an accident shall be regarded as not occurring in Hong Kong, if at the time of the accident, the insured person has departed from Hong Kong by completing the departure clearance procedure of the Hong Kong Immigration Department.
^Sum insured for junior and elderly will be different
Plan overview
|
Passenger Prime Protection |
|
|
Issue age |
6 months – age 80 |
|
Renewal age |
Up to age 80 |
|
Geographical limitation |
Hong Kong |
|
Annual premium |
HKD 148 |
Table of benefits
|
Coverage |
Sum insured per insured person (HKD) |
| 1. Personal accident |
|
|
(a) Accidental death |
|
| - aged 18 to 59 years old |
3,000,000 |
| - aged 6 months to 17 or 60 to 80 years old |
1,000,000 |
|
OR |
|
|
(b) Permanent disablement |
100,000 |
| 2. Daily hospital income benefit |
750 per day Max. 15 days per accident |
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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.