Personal Accident Protector

Key Benefits

1

4 basic plans and 4 added protection selections to best suit your needs

2

Extended dangerous activities coverage including skiing

3

Personal effects damage extension

4

No claims bonus

5

Free Worldwide Emergency Assistance Services

We've got your needs covered

Compare our plans in details, you'll definitely find something that suits you

Description of Benefits	Percentage of Sum Insured
Accidental death	100%
Permanent total disability	100%
Permanent total paralysis of all limbs	100%
Permanent and incurable insanity	100%
Loss of entire sight of one or both eyes	100%
Loss of one or more limbs	100%
Loss of speech and hearing	100%
Loss of hearing in both ears	75%
Loss of hearing in one ear	15%
Loss of speech	50%
Permanent total loss of lens of each eye	50%
Loss of toes All Two joints of each big toe	20% 7.5%
Loss of metacarpals First or second Third, fourth or fifth	3% 2%
Loss of one thumb Both joints First joint	30% 15%
Fractured leg or patella with established non-union	15%
Shortening of leg by at least 5cm	10%

Description of Benefits Accidental Death & Permanent Disability - Hand	Right Hand	Left Hand

Hand

Description of Benefits Accidental Death & Permanent Disability - Hand	Right Hand	Left Hand
Loss of four fingers and thumb	70%	50%
Loss of four fingers	40%	30%
Loss of three joints (each of index, middle, ring or little finger)	15%	10%
Loss of two joints (each of index, middle, ring or little finger)	10%	7.5%
Loss of one joint (each of index, middle, ring or little finger)	7.5%	5%

Description of Benefits Accidental Death & Permanent Disability - Burns	Second Degree Burn	Third Degree Burn

Major Burns

Description of Benefits Accidental Death & Permanent Disability - Burns	Second Degree Burn	Third Degree Burn
On 50% or more of body surface	100%	100%
On 30% or more of body surface	50%	100%
On 20% or more of body surface	40%	100%
On 10% or more of body surface	20%	75%
On 5% or more of body surface	10%	50%

Plan Classification

Plan Classification	Plan 1	Plan 2	Plan 3	Plan 4

Accidental Death & Permanent Disability¹

Plan Classification	Plan 1	Plan 2	Plan 3	Plan 4
In the event of death or permanent disablement within 12 months from an accident	HK$1,000,000	HK$1,800,000	HK$3,000,000³	HK$1,000,000
Major burns	10% - 100%	10% - 100%	10% - 100%	10% - 100%
Loss of toe(s) or finger(s)	5% - 70%	5% - 70%	5% - 70%	5% - 70%
Extra Indemnity²	HK$500,000	HK$1,000,000	HK$1,500,000	HK$500,000

Temporary Total Disability⁴

Plan Classification	Plan 1	Plan 2	Plan 3	Plan 4
Temporary Total Disability⁴ (per week, max. to 52 weeks)	HK$1,000	HK$2,000	HK$4,000	N.A.

Accidental Medical Expenses

Plan Classification	Plan 1	Plan 2	Plan 3	Plan 4
Sum insured per year In the event of the injury took place within 12 months from the date of the accident	HK$20,000	HK$35,000	HK$50,000	HK$20,000
Inclusive of Chinese medication and treatment, bone-setting, acupuncture expenses, chiropractic & physiotherapy treatments	HK$180 per day HK$2,000 per policy year	HK$180 per day HK$2,000 per policy year	HK$180 per day HK$2,000 per policy year	HK$180 per day HK$2,000 per policy year

Hospital Cash

Plan Classification	Plan 1	Plan 2	Plan 3	Plan 4
Payable from the second day of confinement if you are hospitalised in HKSAR public hospital	HK$250 Maximum 182 days per policy year	HK$250 Maximum 182 days per policy year	HK$300 Maximum 182 days per policy year	HK$250 Maximum 182 days per policy year

Emergency Assistance Services

Plan Classification	Plan 1	Plan 2	Plan 3	Plan 4
24-hours emergency assistance services	Free	Free	Free	Free

¹ All above Accident Death & Permanent Disability Benefits are subject to a maximum amount of HK$7,500,000 in aggregate under any one period of insurance

² Extra Indemnity applicable to:

Compensation on second-degree burns and third-degree burns
Compensation on hijacking upon injury or death
Extra worldwide indemnity on public transportation, including public bus, taxi, ferry, underground train and commercial aircraft etc
Extra indemnity within HKSAR while you are a victim of:
- Hit by falling object in public street
- Landslide, flood, fire or explosion
- Shot by police or criminal in a criminal act being an innocent person
Compensation on disappearance and exposure if the insured person has not been found one year after disappearance on aircraft crash or vessel sunk

³ Sum Insured must be lesser than 5 times of proven annual salary

⁴ 3-month employment proof prior to the accident is required. If you are self-employed, the cover will be valid for the period when you are hospitalised for accidental bodily injury and 50% of the benefit will be paid

Added Protection (Choose 1 out of 4)

Benefit Items	Descriptions
Professional occupation promotion	For insured as a full-time accountant, indoor architect, actuarial, registered medical practitioner, lawyer, and registered insurance agent or technical officer, a 5% extra premium discount will be offered.
Child support & tuition fund	A lump-sum HK$100,000 benefit will be payable to an insured person’s dependent children aged 18 or below upon insured death arisen from an accident.
Indemnity for school activities and travelling	An additional HK$100,000 benefit will be payable to insured full-time students aged 25 or below if he suffers from accidental bodily death or major burns during the course of participating in school activities or travelling by school bus.
Home modification expense	If an insured person sustains a bodily injury as a result of an accident which leads to permanent total disablement during the policy period, Liberty will reimburse for the actual expenses in renovating his principal home for the caring purpose, subject to a maximum amount of HK$100,000.

Class of Occupation

Hong Kong residents aged 3 to 65 can be applied and renewable up to 75. Eligible benefit plans and premium will be subject to below occupation classification:

Class	Descriptions
Class 1	Clerical and non-manual occupations e.g. accountant, architect, auditor, banker, clerk, clinic nurse, doctor, indoor sales, sales representative, lawyer, physiotherapist, secretary, stockbroker, teacher, etc
Class 2	Occupations involving outdoor work or occasional manual work only e.g. factory supervisor, foreman, hairdresser, local domestic helper, property agent, salesman, supervision, engineer, supervision civil engineer, surveyor, tailor, waiter (not bar, lounge or night club), etc
Class 3	Occupations involving skillful and slight manual work but not using heavy and hazardous machines e.g. baker, cook, fixed-stall hawker, hotel janitor, painter, supermarket worker, motor repair worker, watchman (unarmed) etc
Class 4	Occupations involving heavy manual work or hazardous nature e.g. air-conditioning repairman, butcher, carpenter, disciplinary squad, gas deliveryman, patrolman tractor driver, truck driver (below 10 tons and not-to China) etc
Class 5	Child aged 3-18 or 19-25 but under full-time education Housewife or not under employment

Please refer to Liberty for clarification on occupations not listed in the above table.

Notes

Family Discount: If you insure with your direct family members, including spouse, parents, grandparents, siblings and children aged 21 or below at the same time, an extra 10% discount will be granted on all new applications.
Major Exclusions: Any injuries or death related to illness, disease, pregnancy, dental care, cosmetic surgery, mental disorder, self-inflicted acts, suicide, and professional racing will not be covered. A consequence of any pre-existing condition, treatment of alcohol or drug addiction, and accident arisen from serving in the disciplinary forces or other armed services are not covered as well.