Who needs personal accident insurance?

Accidents can happen to people of all ages and occupations, so it is recommended that everyone should have accident insurance.

What does personal accident insurance cover?

Generally speaking, the coverage of accident insurance includes accidental death dismemberment permanent disability and weekly allowance during temporary disablement medical expenses.

Is there an age limit for personal accident insurance?

Personal accident insurance has an age limit, generally ranging from 6 months to 70 or 80 years old.

What is the difference between personal accident insurance and life insurance?

Personal accident insurance is more targeted than life insurance, covering death or serious injury caused by "external accidents not caused by illness".

Does accident insurance cover critical illness?

No. in general, critical illness insurance covers serious illnesses such as cancer, stroke, heart attack, etc.

Can I take out personal accident insurance?

In general, personal accident coverage is available as long as you meet the age requirement

Do I need to undergo a medical examination before applying for personal accident insurance?

Not necessarily, but some insurance companies may ask you to undergo a medical examination before approving your application.

Compare Personal Accident Insurance 2025: Coverage, Premiums and Exclusive Discounts

Best Personal Accident Insurance

Personal accident insurance	Premium as low as	Key features
AXA SmartProtect Plus - Basic Plan	HK$1,160	One policy covers three generations of family members Daily premium as low as HK$3.2
MSIG iSafe iSafe Accident Insurance Plan A	HK$1,185	Covers travelling in the Greater Bay Area Hong Kong's 1st personal accident product offering triple indemnity on accidental death benefit if traveling on public transport anywhere in the Greater Bay Area
Zurich PAMultiple Personal Accident Insurance Adult Cover Plan A	HK$996	6 month - 80 years old are also eligible Additional cover: general small accidents, general sports, amateur dangerous sports, natural disasters, traffic accidents, terrorist activities, etc.
Generali Bravo Shield Hospital Income Plan	HK$495	HK$50,000 for ICU confinement for over 3 days or death due to COVID-19 Family Plan covering you and your family members from newborn to aged 70

What is Personal Accident Insurance?

Personal accident insurance, as the name implies, protects the insured and his or her dependents, and provides timely financial assistance to the insured family in the event of an unfortunate accident such as a household accident or sports injury. Different insurance providers have different definitions of "accidents", but most of which are "accidents that are not caused by diseases". Generally speaking, personal accident insurance covers:

Accidental Death
Dismemberment
Permanent disability
Weekly Allowance During Temporary Disablement
Medical expenses

Personal accident insurance can be purchased as a stand-alone policy or as an add-on to a life insurance policy.

In addition, the compensation is mainly paid in the following ways:

One-off
According to actual reimbursement of medical and hospital expenses
Weekly/daily allowance for the period specified in the policy

Traffic accident

Personal accident insurance covers the insured against serious injury or death caused by public transport or private cars.

Accidental deaths and medical expenses caused by natural disasters

Some insurance policies will cover accidental deaths and medical expenses caused by natural disasters such as landslides, fires, home explosions or lightning strikes. However, some insurance companies do not cover it, so the insured should take the time to carefully read the exclusions before purchasing the insurance.

Accidents caused by amateur dangerous sports

Personal accident insurance protects the insured from serious injury or death caused by dangerous amateur sports, but some insurance companies do not cover high-risk activities such as racing, horse racing, rock climbing, extreme sports, etc.

Overseas accident

If the policyholder encounters an accident overseas, which results in serious injury or death, personal accident insurance will provide relevant coverage.

Accidental medical treatment

Personal accident insurance will cover all expenses as a result of accidental injury, including medical treatment, surgery, hospitalization, chiropractic and physiotherapy.

Generali Bravo Shield Hospital Income Plan

Generali Bravo Shield Hospital Income Plan covers you and your family members from newborn to aged 70
HK$500 cash benefit from the very first day of hospitalization due to accidents
Benefit will be doubled in case of ICU confinement as a result of severe injury
Get HK$50,000 for ICU confinement for over 3 days or death due to COVID-19

AXA Personal Accident Insurance

AXA Personal Accident Insurance covers your family from 6 months to 80 years old
Premium as low as HK$3.2
Just pay the premium for one children, and the rest will be covered for free
Once approved, your policy, are renewable for as long as you live
Jobholders can enjoy income or payment protection to cover off expense

Zurich PAMultiple Personal Accident Insurance Adult Cover Plan B

Zurich PAMultiple Personal Accident Insurance Adult Cover covers all family members from newborn to elderly
Covers small accidents, general sports, amateur dangerous sports, natural disasters, traffic accidents, terrorist activities, etc.
No claim discount - If no claim has been made in the period of insurance, you are entitled to a 5% no claim discount at annual renewal
Accident coverage up to HK$1,000,000
Provide up to HK$30,000 of inpatient and outpatient medical expenses, including Chinese medicine bone-setting, acupuncture, chiropractic and physiotherapy, etc.

Things commonly not covered under personal accident insurance policy

Common exclusions in accident insurance generally include "high-risk" activities. It is best to take the time to understand the exclusions of different insurance plans before applying for the insurance. Common exclusions are listed as follows:

Pre-existing medical conditions
Plastic surgery
Suicide
Illegal act
Riot
Casualties caused by wars
Accidental casualties and medical expenses due to natural disasters
Death by natural causes
Accident due to taking over-the-counter drugs or under the influence of alcohol
Participate in high-risk activities such as racing, horse racing, rock climbing, extreme sports, American football, ice hockey, etc.
Pregnancy-related accidents or complications

Things you should know before buying personal accident insurance

Before purchasing personal accident insurance, you should pay attention to the following matters and choose the personal accident insurance plan that is most suitable for you:

People of all age will also benefit from personal accident insurance

Accidents can happen to everyone irrespective of age. It will not only result in loss of income, but also incurs huge medical expenses, creating a huge financial burden. Therefore, in general, having accident insurance is very important for everyone.

Insured age

Accident insurance, like other insurance products, has an age limit for coverage. For example, Generali Bravo Shield Hospital Income Plan covers newborn babies and elderly aged 70 only. If you plan to buy accident insurance for children or the elderly, you need to pay attention to whether the insurance plan has an insurance age limit.

Be aware of common exclusions in accident insurance

Before applying for insurance, the policyholder should take the time to understand the exclusions of accident insurance. For example, some insurance companies do not cover accidental casualties and medical expenses caused by high-risk activities, natural disasters, etc., but some companies will extend the coverage to high-risk activities.

Consider personal and family needs

The most important thing before purchasing personal accident insurance is to understand the needs of you and your family. If your family is quite big, you might benefit from AXA SmartProtect Plus - Basic Plan which provides coverage for three generations of family members.

Occupation of the policyholder may affect premiums

As the risks faced by each occupation are different, the premiums may vary. Generally speaking, it is classified into below 4 categories:

Category 1	Policyholders engaged in clerical duties without the involvement of manual work
Category 2	Insured persons engaged in and/or in supervision of non-manual outdoor work
Category 3	Policyholders engaged in light manual labor (without the use of heavy machinery)
Category 4	People who do manual labor

FAQ

Who needs personal accident insurance?: Accidents can happen to people of all ages and occupations, so it is recommended that everyone should have accident insurance.
What does personal accident insurance cover?: Generally speaking, the coverage of accident insurance includes accidental death dismemberment permanent disability and weekly allowance during temporary disablement medical expenses.
Is there an age limit for personal accident insurance?: Personal accident insurance has an age limit, generally ranging from 6 months to 70 or 80 years old.
What is the difference between personal accident insurance and life insurance?: Personal accident insurance is more targeted than life insurance, covering death or serious injury caused by "external accidents not caused by illness".
Does accident insurance cover critical illness?: No. in general, critical illness insurance covers serious illnesses such as cancer, stroke, heart attack, etc.
Can I take out personal accident insurance?: In general, personal accident coverage is available as long as you meet the age requirement
Do I need to undergo a medical examination before applying for personal accident insurance?: Not necessarily, but some insurance companies may ask you to undergo a medical examination before approving your application.

Personal Accident Insurance 2025: Coverage, Premiums and Exclusive Discounts

Refine Your Results

HK$550

Generali Bravo Shield Hospital Income Plan

HK$1,185

MSIG iSafe iSafe Accident Insurance Plan A

HK$1,160

AXA SmartProtect Plus - Basic Plan (Individual Coverage)

HK$2,310

MSIG iSafe iSafe Accident Insurance Plan B

HK$365

AXA SmartProtect Plus - Lite Plan (Provides Individual Coverage Only)

HK$327

Generali Bravo GO Personal Accident Protection Plan

HK$1,896

Zurich PAMultiple Personal Accident Insurance Adult Cover Plan B

HK$996

Zurich PAMultiple Personal Accident Insurance Adult Cover Plan A

HK$900

Dah Sing Insurance - Personal Protector Insurance Plan A

HK$1,700

Dah Sing Insurance - Personal Protector Insurance Plan B

Best Personal Accident Insurance

What is Personal Accident Insurance?

Personal accident insurance coverage

Traffic accident

Accidental deaths and medical expenses caused by natural disasters

Accidents caused by amateur dangerous sports

Overseas accident

Accidental medical treatment

Best Personal Accident Insurance

Things commonly not covered under personal accident insurance policy

Things you should know before buying personal accident insurance

People of all age will also benefit from personal accident insurance

Insured age

Be aware of common exclusions in accident insurance

Consider personal and family needs

Occupation of the policyholder may affect premiums

FAQ

Who needs personal accident insurance?

What does personal accident insurance cover?

Is there an age limit for personal accident insurance?

What is the difference between personal accident insurance and life insurance?

Does accident insurance cover critical illness?

Can I take out personal accident insurance?

Do I need to undergo a medical examination before applying for personal accident insurance?

^HK$550

^HK$1,185

^HK$1,160

^HK$2,310

^HK$365

^HK$327

^HK$1,896

^HK$996

^HK$900

^HK$1,700