Personal Accident and Health

Personal Accident Cover

  • Accidental Death and Disablement Benefit:
    Compensates the Insured benefit up to a maximum of MOP$1,000,000 against accidental death, total disability and dismemberment within 12 months of an accident.
  • Accidental Medical Expenses Benefit:
    Reimburses the Insured for injury sustained through an accident.  Provides cover for outpatient, specialist, hospitalization expenses, surgical expenses, Chinese bonesetters and acupuncturists expenses.

Daily Hospital Income Cover

  • Daily cash benefit up to MOP$1,250:
    We provide a cash benefit of up to MOP $1,250 a day when hospitalized due to illness or accident (up to 365 days)
  • Double payment if you are in intensive care: 
    Double daily hospital cash if you are confined to an intensive care unit (up to 30 days)
  • Extra long-term hospitalization benefit:
    You can receive an extra cash benefit of up to 30 days from the 31st day of hospitalization.

Critical Illness Cover

  • A lump sum will be paid to the Insured in the event of diagnosis of any of the 47 specified critical illnesses. 
    The maximum limit of this cover is MOP$500,000.

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