Family Personal Accident Insurance

Flexible and comprehensive family cover

FamilyGuard is an annual insurance that gives you the flexibility to include the cover for your spouse and your dependant children in one policy.

Simple flat rates for all occupations

Unlike other accident insurance plans, FamilyGuard charges flat rates for all occupations accepted by us. It gives you the convenience in budgeting the premium required for your selected benefit level, yet enjoying the same extensive cover.

Cover

Cover	Benefits	Limits (HK$)
		Plan 1	Plan 2
1. Accidental Death & Permanent Disablement*	A cash benefit for Accidental Death & Permanent Disablement Benefit is double in the event of - a) accident happens in a common carrier, or b) insured person as an innocent victim of an armed robbery Major burns - third degree burns with burn areas covering a) 25% or more of the total head surface area, or b) 10% or more of the total body surface area	500,000 1,000,000 500,000	1,000,000 2,000,000 1,000,000
2. Medical Expenses	Reimburse the medical, surgical and hospital expenses for an accidental bodily injury Applicable to Chinese bonesetter and acupuncturist (first treatment by a western medical practitioner is required )	10,000 1,000(100/day)	20,000 2,000(100/day)
3. Hospital Cash	Payable for hospitalisation of 3 consecutive days or more due to an accident (maximum 120 days)	300/day	600/day
4. Coma	Payable for coma due to an accident following a 2-week waiting period, subject to a maximum benefit period of 52 weeks	5,000 (per week)	10,000 (per week)
5. Disfigurement / Scarring of the Face	Payable for bodily injury resulted in severe and permanent disfigurement or scarring of the face with at least: a) two square centimeters or four centimeters in length b) one square centimeters or two centimeters in length	50,000 100% 50%	100,000 100% 50%
6. Education Fund	Pay as an education subsidy in aggregate for the insured person's children following the accidental death of an insured person	25,000	50,000

*Benefit amounts for insured child(ren) are 25% of the above-state limits.

Remarks:

Premium table

Insured Person(s)	Premium HK$
	Plan 1		Plan 2
	Annual	Monthly	Annual	Monthly
Self	760	64	1,480	124
Self & Child(ren)	1,080	90	2,060	172
Self & Spouse	1,320	110	2,480	207
Family	1,600	134	3,060	255

Notes
- The number of children insured under the same policy with children cover is unlimited.
- Monthly installment is available with credit card payment only. A non-refundable payment of 3-month initial premium is required. Subsequent monthly payments will be debited from the credit card from the 4th month onwards.

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