Personal Accident Insurance
BodyGuard is a comprehensive insurance plan providing the maximum protection for you and your family. Apart from attractive benefits such as Hospitalization Allowance and Bonesetters' Fees, distinctive features of Major Burns and Double Indemnity in Medical Expenses reflect the uniqueness of this product. With the choices of benefit covers at your chosen limits, you can enjoy a carefree living with the protection customized to your need.
Double indemnity relieves sudden crisis
If permanent injuries or death incurred as a result of any accident in any public common carriers or shark attack, the compensation will be up to 200% of the sum insured on Accidental Death & Permanent Disablement or Medical Expenses. If a fatal accident happened to you while your spouse has passed away, leaving your dependent children all aged at 18 or below, Accidental Death Benefits will then be payable in double.
Extra benefit with major burns
Accident is always unpredictable. To provide you with a comprehensive protection in case of any mishap, our Permanent Disablement benefit is tailored with extra benefit covering Major Burns of third degree.
Loyalty bonus for desirable life
If you did not make any claim in the preceding year, the benefit limit of your Accidental Death & Permanent Disablement will be automatically increased by 10% in compound for a maximum of 5 years, ends up with an increase of your chosen sum insured to be increased to more than 160% absolutely FREE. We believe this can keep in pace with your progressing living standard, and serves as our distinctive benefit for loyal customers.
Extensive cover makes a difference
To provide you and your family the most intimate care, our Personal Accident Insurance extends to cover risky features such as Terrorism, Food Poisoning and even War whilst you are travelling overseas. Besides, free cover for spouse, medical expense limit up to HK$250,000, and our simple underwriting process are the exclusive benefits for our customers.
Cover
| Basic Benefits | Limits |
| Accidental Death & Permanent Disablement (Compulsory) | Limit of Benefit Chosen by you |
| Temporary Total Disablement (Optional) | Up to 75% of average weekly income subject to a max. of $5,000/week for 104 weeks |
| Medical Expenses (Optional) | Up to 10% of Accidental Death & Permanent Disablement benefit subject to a max. of $250,000 |
| Free Benefits | Limits |
| 24-Hour Assistance Hotline | Provide Advisory Service |
| Double the limit of Accidental Death & Permanent Disablement if:(Terrorism not applicable)
a) accident happens in common carrier b) due to shark attack c) insured and his/her spouse passed away with children aged under 18 |
Double Indemnity |
| Double the limit of Medical Expenses if: (Terrorism not applicable)
a) accident happens in common carrier or b) due to shark attack |
Double Indemnity |
| Hospitalization Allowance (subject to hospitalization for more than 3 consecutive days) | If Medical Expenses is insured at $10,000 or above:
- $200 per day - Max. : $2,000 per year |
| Bonesetters' Fees (Diagnosed by a registered medical practitioner) | If Medical Expenses is insured at $10,000 or above:
- $150 per consultation (Excess: $50) - Max. : $1,500 per year |
| Free Cover for Spouse | If Accidental Death & Permanent Disablement is insured at $1,000,000 or above:
- $100,000 FREE cover for spouse |
| Major Burns - 3rd Degree | 25% of Accidental Death & Permanent Disablement Limit |
Remarks:
- The policy aggregate limit for Accidental Death & Permanent Disablement Benefits is HK$5,000,000 (include Double Indemnity, No Claim Bonus).
- Age limit: 16 to 65
- Minimum Premium: HK$500
- Policy not applicable to person residing outside Hong Kong for more than 180 days in a year.
- Terrorism cover is subject to a maximum limit of HK$1,000,000.
Rating Schedule
| Premium Rating | |||
| Types of Benefits | Class I | Class II | Class III |
| Accidental Death & Permanent Disablement (per HK$10,000) | 0.08% | 0.10% | 0.19% |
| Temporary Total Disablement (per HK$100 weekly) | 26% | 33% | No Cover |
| Medical Expenses (per HK$100) | 2.6% | 3.0% | No Cover |
No Claim Bonus
If you have not made a claim in the preceding year, your Accidental Death & Permanent Disablement Benefits will be increased by 10% for 5 years absolutely free but not exceeding a maximum cover of HK$5,000,000. Terrorism cover is not applicable to No Claim Bonus.
Exclusions:
War, pregnancy or childbirth, self-inflicted injuries, major dangerous sports such as scuba-diving or mountaineering, illness, HIV / AIDS.
Note: The above information serves as a general guideline only. Please refer to the exclusions, terms and conditions of the Policy for details of cover.
Your Trustworthy Insurance Partner
With an almost 300 year heritage, RSA is one of the world's leading multinational quoted insurance groups. It has the capability to write business in over 130 countries and with major operations in the UK, Scandinavia, Canada, Ireland, Asia and the Middle East and Latin America.
A wholly-owned subsidiary of the RSA Group and traded in the name of Royal & Sun Alliance Insurance plc, we have run insurance business in Hong Kong for more than 30 years. We offer a comprehensive range of customised and packaged commercial and personal insurance products and services. Apart from enjoying the security provided by one of the world's leading insurers, you can trust our efficient and fair claims service and quality customer care.
At RSA, we are committed to providing our customers with convenient, appropriate and secure insurance solutions and consistently fulfilling what we promise. We are "The professional insurer you can always rely on".
For enquiries, please contact your agent / broker or us:Royal & Sun Alliance Insurance plc
32/F, Dorset House, Taikoo Place, 979 King's Road,
Quarry Bay, Hong Kong
Tel: 2968 1636 Fax: 2917 6266
E-mail: hk_personal_insurance@hk.rsagroup.com