The Bank of East Asia

Insurance, MPF & Trust

Underwritten by Blue Cross (Asia-Pacific) Insurance Limited

Accident - an unpleasant and unexpected event that can result in injury or worse. If one occurs, you may never anticipate the financial and emotional impacts on you and your loved ones. Personal Accident Insurance ensures that you and your family enjoy extra peace of mind and offers an attractive low premium with 24-hour year-round worldwide coverage including:

  • Accidental Death and Permanent Total / Partial Disablement
  • Double Indemnity
  • Hospital Cash Benefit
  • Credit Card Protection
  • Repatriation of Remains
  • Burial & Funeral Expenses
  • Accident Medical Expenses
  • Accidental Chinese Bonesetter / Acupuncturist Treatment Expenses
  • Personal Liability

Comprehensive Accident Coverage

Schedule of BenefitsMaximum Limit (HK$)
Plan 1Plan 2
1)Accidental Death or Permanent Total Disablement 500,000 1,000,000
2)Double Indemnity 500,000 1,000,000
Additional amount payable for Accidental Death or Permanent Total Disablement when travelling in a common carrier or private car    
3)Permanent Partial Disablement 500,000 1,000,000
Subject to the percentage in the Compensation Table    
All limbs or permanent loss of use of two limbs 500,000 1,000,000
Loss of speech & hearing 500,000 1,000,000
Loss of sight of both eyes 500,000 1,000,000
Loss of or permanent total loss of use of thumb & four fingers*    
- Right hand: 350,000 700,000
- Left hand: 250,000 500,000
* Left hand users can have the coverage percentage left and right hand reversed
Loss of or permanent total loss of use of all toes on one foot 75,000 150,000
Extra Benefits
4)Hospital Cash Benefit    
Daily Cash for hospitalisation 300 per day 600 per day
Maximum up to 120 days per disability    
5)Credit Card Protection 25,000 50,000
Pays for the outstanding balance on credit cards in case of accidental death    
6)Repatriation of Remains 20,000 20,000
Reimbursement of actual expenses    
7)Burial & Funeral Expenses 25,000 50,000
Reimbursement of actual expenses    
8)Accident Medical Expenses
(per accident / year)
10,000 20,000
Reimbursement of medical, surgical and hospital expenses    
9)Accidental Chinese Bonesetter / Acupuncturist Treatment Expenses
(per accident / year)
500 1,000
Maximum claim for one visit per day : HK$100    
10)Personal Liability 500,000 1,000,000
Protects against legal liability in the event of the insured person's negligence causing third-party bodily injury or property damage    

24-Hour Worldwide Emergency Assistance

No matter where you are, you can always count on us to take care of you. In case of emergency, when you are travelling abroad, just simply call our 24-Hour Worldwide Emergency Aid hotline and we will help you obtain immediate assistance such as emergency medical aid, legal advisory services, and travelling information.

Simple Enrolment

To enroll, simply fill in the application form and return it to any BEA branch. To ensure your total satisfaction, we offer a 15-day policy review period: if you are not satisfied with this policy for whatever reason within this period, simply return the policy to us for cancellation. We will refund 100% of the premiums that you have paid, provided that no claims have been made.

Blue Cross Customer Service Hotline 2839 6377

This webpage is for reference only. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions. Should there be any discrepancy between the English and the Chinese versions of this material, the English version shall apply and prevail. All insurance product information available on this website is not and shall not be construed as an offer to sell or a provision of insurance products to any person in any jurisdiction outside Hong Kong or a solicitation to such person to buy insurance products.

The insurance plan is underwritten by Blue Cross (Asia-Pacific) Insurance Limited (“Blue Cross”), a subsidiary of AIA Group Limited. The Bank of East Asia, Limited (“BEA”) is an appointed insurance agency of Blue Cross. The insurance plan is a product of Blue Cross but not BEA. All benefits payable under the insurance plan are subject to the credit risk of Blue Cross.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BEA and the customer out of the selling process or processing of the related transaction, BEA is required to enter into a Financial Dispute Resolution Scheme process with the customer.

BEA’s sales staff (including direct sales staff and authorised agents) are remunerated not only based on their financial performance, but also according to a range of other factors, including their adherence to best practices and their dedication to serving customers’ interests.

Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.