iSafe Accident Insurance

The schedule covers accidental death, permanent disablement, accidental medical expenses, specified extra benefits and personal liability. Permanent disablement and major burns use policy-schedule percentages.Public source · Checked: 14 Oct 2026

For all insured children below 18 under the Family plan, the combined death, permanent disablement and double/triple-indemnity maximum is HKD500,000 per insurance period; their medical-expense maximum is HKD10,000 per insurance period. These family aggregates are separate from each benefit or per-accident schedule limit.Public source · Checked: 14 Oct 2026

The supplied Jun 2026 brochure lists annual premiums of HKD1,185 for Adult Plan A, HKD2,310 for Adult Plan B and HKD3,440 for Family Plan A, subject to premium levy. These are dated published table amounts.Public source · Checked: 14 Oct 2026

Notify the insurer in writing as soon as a change in employment, occupation, duties, pursuits or other circumstances increasing claim risk is known; an additional premium may be required.Public source · Checked: 14 Oct 2026

Year-to-year renewal requires mutual agreement. The policy terminates at the end of the insurance period during which the insured attains 60; any further renewal is at the insurer discretion.Public source · Checked: 14 Oct 2026

Examples include pre-existing conditions, war or terrorism, suicide or intentional self-injury, professional sports, specified hazardous occupations, non-scheduled flights, sickness, pregnancy or childbirth and nuclear or radioactive risks. The policy wording contains the detailed exceptions.Public source · Checked: 14 Oct 2026

If the insured changes to an occupation excluded under the policy general exceptions, that insured person cover is cancelled from the date of the occupation change. This is the specified occupational cancellation rule; the brochure does not state voluntary cancellation or refund terms.Public source · Checked: 14 Oct 2026

Insurer claims guide · Accident

The brochure gives EASY Claims online submission and a claims hotline, +852 2894 0660, Monday-Friday 09:00-17:30 except public holidays. Death benefits default to the insured estate; a designated beneficiary requires the insurer beneficiary form.Public source · Checked: 14 Oct 2026

Accident — Steps: Enter policy, contact, claim and bank details, upload documents and submit; use the tracking number for status enquiries.Public source · Checked: 13 Oct 2026

Accident — Required documents: Prepare the policy number and the relevant personal accident supporting documents listed on the claims page.Public source · Checked: 13 Oct 2026

Accident — Submission channels: EASY Claims online or completed paper form by post to Claims Department, 9/F, 1111 King’s Road, Taikoo Shing.Public source · Checked: 13 Oct 2026

Accident — Payment methods: Approved online claims are paid directly into the supplied bank account.Public source · Checked: 13 Oct 2026

Accident — Deadlines / notification: The postal instructions require the form and documents within 30 days of the accident.Public source · Checked: 13 Oct 2026

The brochure states that claims can be submitted through EASY Claims anytime, anywhere. This establishes the stated online-claim channel; other overseas policy servicing arrangements require separate confirmation.Public source · Checked: 14 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