Business AccidentCare

Coverage and Benefits

Main policy benefits	Benefit Scale A (HKD)	Benefit Scale B (HKD)
Death or permanent total disability caused by an accident in a common carrier or private car	1,000,000	2,000,000
Death or permanent total disability or permanent and incurable insanity	500,000	1,000,000
Permanent and incurable paralysis of all limbs or loss of use of one or two limbs	500,000	1,000,000
Permanent loss of speech and hearing	500,000	1,000,000
Permanent loss of sight in one or both eyes	500,000	1,000,000
Loss of or permanent total loss of use of four fingers and thumb of* - right hand - left hand	350,000 250,000	700,000 500,000
Loss of or permanent total loss of use of all toes on one foot	75,000	150,000
Major burns - either 30% or more of total body surface - or 50% or more of total facial surface	150,000 75,000	300,000 150,000

Other policy benefits	Benefit Scale A (HKD)	Benefit Scale B(HKD)
Accidental medical expenses (in-patient and out-patient) Out-patient treatment limit	10,000 per policy period 150 per visit	20,000 per policy period 150 per visit
Chinese bonesetting or acupuncture or physiotherapy treatment expenses Treatment limit	500 per policy period 100 per visit per day	1,000 per policy period 100 per visit per day
Credit card protection	10,000 per policy period	10,000 per policy period
Accident emergency medical evaluation	50,000 per accident	50,000 per accident
Contribution to funeral expenses	10,000	10,000
Coma benefit	26,000 per accident (500 per full week, maximum 52 weeks)	26,000 per accident (500 per full week, maximum 52 weeks)
Professional counselling costs	5,000 per accident	5,000 per accident

* In the event of a relevant loss under the policy, if the insured person can reasonably prove that he or she is left-handed, the amount of benefit for the right hand and left hand will be transposed.

Policy exclusions

All insurance policies contain exclusions. Here's a summary of the main exclusions. For a complete list, please refer to the policy documents.

War, terrorism and related perils
Duty with disciplinary services or armed forces
Suicide, self-destruction or self-inflicted injury
Engaging in dangerous activities or professional sports
Engaging in aviation other than as a fare-paying passenger
Drunk driving
Illegal acts
Drug taking
Any kind of sickness or disease, venereal disease or AIDS
Childbirth or pregnancy
Nuclear weapons, ionisation and radioactivity
Accidents during working hours for certain occupations (please refer to the application form for details)

Important notes

The above insurance plan is underwritten by HSBC Insurance (Asia) Limited, which is part of HSBC Insurance, the identity under which the HSBC Group's insurance underwriting subsidiaries operate.
HSBC Insurance (Asia) Limited is authorised and regulated by the Hong Kong Commissioner of Insurance to carry out general insurance business in the Hong Kong SAR.
The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by HSBC Insurance (Asia) Limited.
The information shown is intended as a general summary. You should refer to the insurance policy for detailed terms and conditions.

Disclaimer:
The information provided here is subject to the actual policy wording and that customers should refer to the relevant insurance policy for its terms and conditions. Please click here for full policy schedule.

One Stop Financial Services

Wherever you are in the world, HSBC's Commercial Banking account provides the flexibility your business needs:

All-in-one bank account meet your core business banking needs
7 x 24 Internet banking, ATM & phonebanking
Standby & revolving line

Payments and Cash Management

Maximise your cash flow while minimising your effort

Enjoy greater convenience by paying your suppliers quickly and securely using the HSBC payments solutions
Enhance your cash flow by receiving customer payments on time every time