Key Benefits
4 basic plans and 4 added protection selections to best suit your needs
Extended dangerous activities coverage including skiing
Personal effects damage extension
No claims bonus
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
Percentage of Sum Insured
100%
Permanent total disability
Percentage of Sum Insured
100%
Permanent total paralysis of all limbs
Percentage of Sum Insured
100%
Permanent and incurable insanity
Percentage of Sum Insured
100%
Loss of entire sight of one or both eyes
Percentage of Sum Insured
100%
Loss of one or more limbs
Percentage of Sum Insured
100%
Loss of speech and hearing
Percentage of Sum Insured
100%
Loss of hearing in both ears
Percentage of Sum Insured
75%
Loss of hearing in one ear
Percentage of Sum Insured
15%
Loss of speech
Percentage of Sum Insured
50%
Permanent total loss of lens of each eye
Percentage of Sum Insured
50%
Loss of toes
- All
- Two joints of each big toe
Percentage of Sum Insured
20%
7.5%
Loss of metacarpals
- First or second
- Third, fourth or fifth
Percentage of Sum Insured
3%
2%
Loss of one thumb
- Both joints
- First joint
Percentage of Sum Insured
30%
15%
Fractured leg or patella with established non-union
Percentage of Sum Insured
15%
Shortening of leg by at least 5cm
Percentage of Sum Insured
10%
Description of Benefits
Accidental Death & Permanent Disability - Hand
Right Hand
Left Hand
Loss of four fingers and thumb
Right Hand
70%
Left Hand
50%
Loss of four fingers
Right Hand
40%
Left Hand
30%
Loss of three joints
(each of index, middle, ring or little finger)
Right Hand
15%
Left Hand
10%
Loss of two joints
(each of index, middle, ring or little finger)
Right Hand
10%
Left Hand
7.5%
Loss of one joint
(each of index, middle, ring or little finger)
Right Hand
7.5%
Left Hand
5%
Description of Benefits
Accidental Death & Permanent Disability - Burns
Second Degree Burn
Third Degree Burn
On 50% or more of body surface
Second Degree Burn
100%
Third Degree Burn
100%
On 30% or more of body surface
Second Degree Burn
50%
Third Degree Burn
100%
On 20% or more of body surface
Second Degree Burn
40%
Third Degree Burn
100%
On 10% or more of body surface
Second Degree Burn
20%
Third Degree Burn
75%
On 5% or more of body surface
Second Degree Burn
10%
Third Degree Burn
50%
Plan Classification
Plan Classification
Plan 1
Plan 2
Plan 3
Plan 4
In the event of death or permanent disablement within 12 months from an accident
Plan 1
HK$1,000,000
Plan 2
HK$1,800,000
Plan 3
HK$3,000,000
3
Plan 4
HK$1,000,000
- Major burns
Plan 1
10% - 100%
Plan 2
10% - 100%
Plan 3
10% - 100%
Plan 4
10% - 100%
- Loss of toe(s) or finger(s)
Plan 1
5% - 70%
Plan 2
5% - 70%
Plan 3
5% - 70%
Plan 4
5% - 70%
- Extra Indemnity2
Plan 1
HK$500,000
Plan 2
HK$1,000,000
Plan 3
HK$1,500,000
Plan 4
HK$500,000
Temporary Total Disability4
(per week, max. to 52 weeks)
Plan 1
HK$1,000
Plan 2
HK$2,000
Plan 3
HK$4,000
Plan 4
N.A.
Sum insured per year
In the event of the injury took place within 12 months from the date of the accident
Plan 1
HK$20,000
Plan 2
HK$35,000
Plan 3
HK$50,000
Plan 4
HK$20,000
Inclusive of Chinese medication and treatment, bone-setting, acupuncture expenses, chiropractic & physiotherapy treatments
Plan 1
HK$180 per day
HK$2,000 per policy year
Plan 2
HK$180 per day
HK$2,000 per policy year
Plan 3
HK$180 per day
HK$2,000 per policy year
Plan 4
HK$180 per day
HK$2,000 per policy year
Payable from the second day of confinement if you are hospitalised in HKSAR public hospital
Plan 1
HK$250
Maximum 182 days per policy year
Plan 2
HK$250
Maximum 182 days per policy year
Plan 3
HK$300
Maximum 182 days per policy year
Plan 4
HK$250
Maximum 182 days per policy year
24-hours emergency assistance services
Plan 1
Free
Plan 2
Free
Plan 3
Free
Plan 4
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
Descriptions
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
Descriptions
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
Descriptions
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
Descriptions
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
Descriptions
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
Descriptions
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
Descriptions
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
Descriptions
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
Descriptions
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.
Get in touch
If you have any questions regarding this product, don’t hesitate to reach out via our contact form.
Get in touch
If you have any questions regarding this product, don’t hesitate to reach out via our contact form.
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Notes
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.
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.