Personal accident protector

The benefit scale pays 100% of sum insured for accidental death or permanent total disablement; other losses have their own scheduled percentages.Public source · Checked: 14 Oct 2026

The brochure states an aggregate maximum of HKD7,500,000 for the listed accidental death and permanent disablement compensation within any one insurance period.Public source · Checked: 14 Oct 2026

The brochure’s annual premium table varies by plan and occupation class; its listed premiums include the applicable insurance levy.Public source · Checked: 14 Oct 2026

Hospital cash is payable from the second day of confinement in a Hong Kong public hospital, subject to a maximum of 182 days per policy year and the plan’s daily amount.Public source · Checked: 14 Oct 2026

Examples of exclusions include injuries or death related to illness, pre-existing conditions, self- inflicted acts or suicide, and professional racing; this is not the complete list.Public source · Checked: 14 Oct 2026

The brochure offers a choice of one added-protection option from four, including a dependent-child support and tuition fund, school-activity indemnity and home-modification expense cover, subject to eligibility.Public source · Checked: 14 Oct 2026

Insurer claims guide · Accident

Accident — Steps: Complete and sign the personal accident form and send it with supporting documents; Liberty acknowledges receipt by email.Public source · Checked: 13 Oct 2026

Accident — Submission channels: Send the personal accident claim form and supporting documents by mail.Public source · Checked: 13 Oct 2026

Accident — Payment methods: Reimbursement by cheque to the claimant, with payment notification.Public source · Checked: 13 Oct 2026

Accident — Assessment / payment timing: Processing within 10 working days after all original documents arrive; this is not a cheque-delivery deadline.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026