Personal Accident Insurance
Embrace the adventure, relish the exhilarating experience
Protect yourself and your loved ones with our SmartProtect Plus - a personal accident protection solution. As you embark on adventures and embrace exciting experiences, ensure peace of mind with our SmartProtect Plus! Let us be your partner in safeguarding your future, starting today! Enter the promo code “HKEPA50” to enjoy lifelong 50% premium discount1, Lite Plan premium starts at HKD1832 per year (just HKD0.5 per day!) after discount, from now until 30 Apr 2025.
AXA SmartProtect Plus Product Highlight
Adaptable to All Needs and Budgets
Lite Plan offers essential protection with yearly premium starts from HKD1832 (Only HKD 0.5 per day!) after 50% premium discount; Standard, Premier and Elite Plans provide extra benefits and various premium discounts.
Under individual coverage, a multi-insured discount3 is offered. 2 to 4 insured persons in one policy will receive 10% discount, 5 or more insured persons in one policy will receive 15% discount.
On top of that, additional no claim discount3 is available for 1 year with no claim at 5%, 2 consecutive years with no claim at 10%, and 3 or more consecutive years with no claim at 15%.
Accidental medical expenses3
Expenses for general practitioners, Chinese herbalists, bonesetters and acupuncturists are covered with a limit on per accident basis, with no limit on number of accidents; expenses for chiropractors and physiotherapists are also covered with a limit on per policy year.
One Solution for Three Generations’ Lifetime Protection
A single policy can cover 3 generations of family members, with first enrolment from 6 months to 80 years old, and no age limit for renewal1
- Elderly will get HKD40,000 cash benefit for broken bone3
- Each child and elderly will get double daily hospital cash and home nursing allowance3
- Under shared coverage3, pay for one child and subsequent children are covered for free
Safety Net for Accidental Death and Permanent Disablement
A lump sum payment is provided for accidental death and permanent disability, starting with HKD600,000 for the Lite Plan; and up to HKD2,000,000 for other plans at your choice. The benefit will be doubled in case of an accident in the GBA outside HK.
To contact AXA Customer Service, please refer to contact details below:
Email: axa.gi.hke@axa.com.hk
Hotline: (852) 2894 4673
Operating Hours: 9:00a.m. to 5:30p.m. from Monday to Friday
(Closed on Saturday, Sunday and Public Holiday)
Remark
1. The 50% premium discount is applicable to a new policy and its future renewals. There is no age limit for renewal, but it is subject to AXA’s underwriting decision and other conditions set forth in General Conditions Clause 11(d) and (e) of the Policy Wording. The renewal premium and terms and conditions may not be the same as the expiring policy.
2. After 50% premium discount, valid until 30 Apr2025. Levy collected by the Insurance Authority has been imposed on this policy at the applicable rate. For further information, please visit www.axa.com.hk/ia-levy.
3. The benefits of ‘multi-insured discount’, ‘no claim discount’, ‘accidental medical expenses’, ‘broken bone’, ‘daily hospital cash and home nursing allowance’ and ‘shared coverage’ are not applicable to the Lite Plan.
Disclaimer
Information on this webpage is for reference only, and not intended to be a complete description of the applicable terms and conditions. For details, please refer to Product Brochure and Policy Wording to understand the terms and conditions of all the benefits and exclusions. The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"). Hong Kong Express Airways Limited (Licence No.: FA2201) is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distributing the product in the Hong Kong SAR.