How does an accident disablement schedule set payment?
Hong Kong Insurance Connect: Accident disablement payment follows your policy’s benefits table, according to IA. Check the injury description, benefit proportion and calculation basis; the sum insured alone does not establish the amount payable. Checked on . [C1]
Checked on · Public sources; general information, not advice.
Which schedule should I use?
Obtain the schedule attached to your contract, together with any amendments. IA explains that accidental-disablement benefits are calculated proportionately according to the schedule of benefits. Avoid using a table from another policy, an external disability assessment or a medical description as if it were the contractual schedule. [C1]
How should I check the benefit proportion?
Ask the insurer to identify the exact schedule entry, the corresponding proportion and the sum insured to which it applies. Request a worked calculation identifying any limits or adjustments under your contract. IA’s overview confirms proportionate payment under the benefits table; it does not specify a universal calculation formula. These are suggested checks, not a promised payment. [C1]
What evidence links an injury to an entry?
Prepare questions for the insurer and treating doctor about the wording that remains unresolved: the affected part or function, the assessment required, and any permanence or timing condition in the contract. Ask which medical evidence the insurer needs for the proposed entry. This guide assigns no disability grade and does not make a medical finding. These are suggested questions, not an IA evidence checklist. [C1]
Can several injuries simply be added together?
Request a written explanation of how your contract treats concurrent injuries, overlapping entries and any combined limit. Ask the insurer to show each accepted entry and its treatment in the final calculation. IA’s overview does not provide a universal addition rule. A licensed Hong Kong broker can help explain individual wording; disputed contractual rights may need a lawyer. [C1]
What do readers ask?
Is the full sum insured always payable?
Check the proportion and calculation basis for the accepted entry. [C1]
Can I use another policy’s benefits table?
Use the schedule and amendments belonging to your own contract. [C1]
Does this guide publish standard disability percentages?
No; request the proportions stated in your policy. [C1]
Does a medical diagnosis determine the schedule entry?
Ask how the medical findings meet the exact contractual description. [C1]
Are all combined injuries added automatically?
Ask for the policy’s overlap and aggregation rules before adding entries. [C1]
Should the insurer explain its calculation?
Request the entry, calculation base, proportion and applied limits in writing. [C1]
Can this page determine my medical impairment?
No; obtain the required medical assessment and insurer’s policy decision. [C1]
Where can I read more or ask a process question?
Insurance terminology explained Claiming from overseas? Country guides Trust checks Historical fulfillment ratios Life-stage hub Ask a process question.
We provide information and referrals to a licensed Hong Kong broker; regulated advice and arrangements belong with that broker. Mainland visitors must sign in Hong Kong. Do not send identity, tax or medical documents through the general enquiry form. [C2]
General information, not advice.
Where are the sources?
Checked on . Public official sources; linked documents remain on their publishers’ sites.
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[C1] Insurance Authority — Accident insurance; Reminders: coverage, limits and proportionate disablement payment. https://education.ia.org.hk/en/product/accident-insurance.html
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[C2] Insurance Authority — Tips on buying insurance; mainland visitor signing. https://education.ia.org.hk/en/faq.html