Fubon Personal Accident Insurance Plan

Fubon Personal Accident Insurance Plan

Imagine a natural disaster, a falling window frame or a car accident. Accidents can strike at any time. If you lose your ability to work or unfortunately pass away, you and your family may face financial difficulties. With the Fubon Personal Accident Insurance Plan, you can receive a good protection for you and your family wherever in the world at a very attractive premium cost.

Benefits Table

Benefits Table
Maximum Benefit per Insured Person (HKD)
Plan 1
Plan 2
Plan 3
Section 1
Personal Accident      
•  Accidental Death and Permanent Disablement Cover
•  Accident on Public Common Carrier
Section 2
Accidental Medical Expenses 10,000 per accident
10,000 per accident
15,000 per accident
•  Including sub-limits for Chinese Medicine Bonesetting and/or Acupuncture Expenses and/or Physiotherapy Expenses
2,000 per policy year
(200 per visit per day)
3,000 per policy year
(200 per visit per day)
4,000 per policy year
(200 per visit per day)
Section 3
Broken Bones Benefit N/A N/A 100,000
Section 4
Trauma Counseling Benefit N/A N/A 10,000 per policy year
(1,000 per visit per day)
Section 5
Accidental Daily Hospital Cash 10,000 per accident
(250 per day)
20,000 per accident
(500 per day)
20,000 per accident
(500 per day)
Section 6
Zurich Emergency Assistance  
•  Deposit Guarantee for Hospital Admission
Emergency Medical Evacuation or Repatriation Service
Actual Cost
Repatriation of Mortal Remains
Actual Cost
Compassionate Visit
One economy class return airfare
24-hour Telephone Hotline Information and Referral Services


•  Guaranteed acceptance for Insured Person from 1-79 years (Plans 1 & 2) and 1-70 years (Plan 3) (policyholder must be aged 18 years or above), renewal up to aged 85 years (Plans 1 & 2 only)
14-day policy examination period

Premium Table

Premium Table
Insured Person Plan 1
Plan 2
Plan 3
Aged 1-70
Proposer 60 90 140
Proposer and spouse/ proposer and 1 child 120 180 280
Family including proposer, spouse and all children 160 240 380
Aged 70-79
Proposer 100 150 N/A
Proposer and spouse/ proposer and 1 child 200 300 N/A
Family including proposer, spouse and all children 270 400 N/A
Aged 80-85*
Proposer 180 250 N/A
Proposer and spouse 360 500 N/A
*For renewal case only。

For enquiries, please call Fubon Bank Enrollment Hotline 2806 5038 during office hours* for more details.

*Office hours: Monday to Friday: 9am to 9pm (except public holidays).

Terms and Conditions

Important Notes:
Age limit for the insured persons is between 1 to 79 years inclusive and renewable up to age 85 (Plan 1 and Plan 2), or between 1 to 70 years inclusive and renewable up to age 70 (Plan 3). Policyholder must be aged 18 years or above.
Child(ren) mean(s) child(ren) of the Policyholder who is/are unmarried, unemployed and between the age of 1 and 21 years or unmarried full-time student(s) between the age of 22 and 23 years.
If the insured person is below 17 or over 70 years of age, benefit under Accidental Death and Permanent Disablement is limited to 50% of the Maximum Benefit per Insured Person as stated in the Benefits Table.
Double indemnity (for Accident on Public Common Carrier): The amounts payable for death or permanent total disablement will be doubled to HK$600,000 (Plan 1); HK$1,200,000 (Plan 2) and HK$2,000,000 (Plan 3) if the accident occurs while the insured person rides solely as a passenger in or on, boarding or alighting from any public common carrier licensed to carry passengers for hire.
5. Double indemnity for Accident on Public Common Carrier is only applicable to insured person aged 17 years to 70 years at the time of the accident.
6. Zurich Emergency Assistance: In the event of accidental injury or illness while the insured person travels abroad not exceeding 90 days, the insured person can call Zurich Emergency Assistance hotline for the following services:
Emergency medical evacuation and repatriation of the insured person back to Hong Kong.
Repatriation of mortal remains or local burial.
Hospital admission deposit guarantee of up to HKD39,000. The insured person shall reimburse to Zurich Insurance Company Ltd for any amount which is otherwise not covered under the plan.
d)  Free return ticket for an immediate family member if the insured person is travelling alone and is hospitalized for more than 3 consecutive days overseas.
7. 24-hour Telephone Hotline Information and Referral Services:
Pre-trip Information Assistance
Embassy Referral
Medical Service Provider Referral
d)  Lost Passport Assistance
e)  Lost Luggage Assistance
f)  Interpreter Referral
g)  Lawyer Referral
h)  Overseas Telephone Medical Advice
i)  Monitoring of Medical Condition during Hospitalization
Major Exclusions:
This policy does not cover any loss directly or indirectly caused by, resulting from or in connection with any of the following:
the time when the insured person is engaged in duty for the following occupations:
any occupations principally in the use of light machinery or engines; or
any extra hazardous occupations involving the use of heavy machinery, requiring high degree of physical exertion or working in an extra hazardous working environment; or
engage in duty with any armed force of any country or international authority; fireman or
stevedores, loading or unloading of objects on ships, being acrobats, aircrew, ship crew, aerial worker, racing driver, China-Hong Kong cross border driver, demolition workers, stuntman, entertainer, jockey, underground and underwater worker, explosive worker, construction worker, worker at height including but not limited to scaffolding worker, circus trainer, detective, newspaper-war correspondent, wild animal trainer;
any pre-existing condition or related conditions;
any kind of disease or sickness; or any loss caused by an injury which is a consequence of any kind of disease or sickness;
any condition resulting from childbirth, miscarriage, abortion, pregnancy;
any cosmetic surgery, procurement or use of special braces, appliances or equipment except for it is reasonably caused by an accident;
the insured person’s participating in any illegal or unlawful acts;
riding or driving in any kind of motor racing, or engaging in a sport in a professional capacity or where the insured person would or could earn income or remuneration from engaging in such sport;
being a crew member or an operator of any air carrier;
any activity or involvement of the insured person in the air unless such insured person is at the relevant time (i) travelling as a fare-paying passenger on a regular scheduled flight or licensed chartered aircraft, or (ii) participating in such activity where the maneuver or navigation of such activity is responsible by another person who is adequately licensed for guiding such activity and the provider of such activity must be authorized by the relevant local authority;
trekking at an altitude greater than 5,000 meters above sea level or diving to a depth greater than 40 meters below sea level;
suicide, attempted suicide or intentional self-injury, insanity, mental disorder of any kind, psychosis, stress or depression, any condition under the influence of alcohol or drugs (other than those prescribed by a qualified medical practitioner), or Acute Mountain Sickness;
any injury, illness, death, loss, expense or other liability attributable to HIV (Human Immune Deficiency Virus) and/or HIV-related illness including AIDS and/or any mutant derivative or variations thereof however caused or however named;
war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power, or direct participation in strike, riot or civil commotion or any kinds of participation in any act of terrorism; and/or
any expenses, consequential loss, legal liability or loss of or damage to any property directly or indirectly arising from:
ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel; or
the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component.


  • The above information 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 itself which shall prevail in case of inconsistency.
  • Zurich Insurance Company Ltd (“Zurich”) is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. Zurich is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters.
  • Zurich is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”).
  • Fubon Bank is the licensed insurance agency appointed by Zurich , and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for approval, coverage and compensation under the Plan.
  • In case you file a written complaint regarding the selling process or processing of the related transaction to Fubon Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, Fubon Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after Fubon Bank has issued the final written reply. If the complaint / dispute is related to the policy terms and conditions, it should be resolved directly between Zurich and you. Nevertheless, where practicable and appropriate, Fubon Bank will provide reasonable assistance to customers in the dispute resolution process.
  • Levy collected by the Insurance Authority (if any) has been imposed on this policy at the applicable rate and would be remitted in accordance with the prescribed arrangements. For further information, please visit Zurich's company website: http://www.zurich.com.hk/ia-levy.
  • Zurich is a company incorporated in Switzerland with limited liability and its principal place of business in Hong Kong is at 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong.
  • The English version shall prevail in case of inconsistency between the English and Chinese versions.
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