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Personal Insurance Service

Chong Hing Insurance Company Limited ("Chong Hing Insurance") is a wholly-owned subsidiary of Chong Hing Bank Limited. Chong Hing Insurance provides tailor-made and comprehensive protection to fulfil your personal needs, and comes with our excellence in handling claims while accident occurred.

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Insurance Detail:

Travel Plus2.0

Our Travel Plus2.0 provides you with additional hassle-free protection in personal accident, medical expenses and loss or damage of your personal belongings while travelling aboard, and gives you the extra comfort and peace of mind throughout your journey.

As a smart consumer, you have the choice to select the right insurance company and the appropriate insurance coverage according to your needs.

Travel Plus 2.0 provides maximum coverage up to HK$1,000,000 protection of Medical Expenses and Personal Accident and up to HK$7,500 per article indemnity on personal effect and baggage.

Summary of Benefits
Maximum Limit per Insured Person (HK$)
    VIP Plan Classic Plan
1 Medical and Related Expenses $1,000,000 $500,000
Covers medical expenses (including hospitalization) as a result of accident or sickness during the journey including: sub-limit as below sub-limit as below
  • return of unattended Children
  • compassionate visit
  • guarantee of hospital admittance deposit
$40,000 $20,000
  • local translator/interpreter services (per day/sub-limit)
$500/$5,000 $500/$5,000
  • catch up expenses
$5,000 $3,000
  • follow up medical treatment within 3 consecutive month due to
  1. accidential bodily injury
$50,000 $25,000
  1. sickness
$10,000 $5,000
  • hospital cash benefit (per day/sub-limit)
$500/$5,000 $300/$3,000
  • compulsory quarantine cash benefit (per day/sub-limit)
$800/$5,600 $500/$3,500
  1. Chinese bone-setting, acupuncture, physiotherapy or chiropractic treatment (per visit per day/sub-limit)
$200/$3,000 $200/$3,000
  1. Additional travelling expenses for the purpose of seeking medical treatment in an overseas hospital
$500 $500
  1. Follow up medical expenses within 3 consecutive
$10,000 $5,000
(Children aged under 18 and Insured Person aged over 70, will receive 25% of the maximum limit respectively)
2 Worldwide Emergency Assistance Service Fully Covered Fully Covered
  • 24-Hour Emergency Assistance Hotline Service
  • emergency medical evacuation
  • repatriation/repatriation of mortal remains
3 Personal Accident 1,000,000 500,000
  • Third degree burn
$200,000 $100,000
  • Compassionate death cash benefit
  1. Accidental bodily injury
$50,000 $25,000
  1. Sickness
$20,000 $10,000
  • Credit card protection
$50,000 $30,000
(Children under aged 18 at the time of death will receive up to $100,000. Insured Person aged over 70 will receive 25% of the maximum limit in this section)
Personal Accident – Dangerous Sports Extension:
Benefits under this section shall be payable in the event of bodily injury caused solely and directly by the Insured Person engaging in hunting, climbing necessitating the use of ropes or guides, winter sports or underwater activities (other than scuba diving) provided that the maximum limit payable shall be reduced 50%
4 Baggage & Personal Effects $25,000 $15,000
Pay for the loss of or damage to your baggage (includes laptop, PDA and excludes mobile phones)    
  • Limit for any one item/pair/set
$7,500 $5,000
5 Baggage Delay $1,000 $800
Pay for emergency purchase of essential items if your baggage is delayed for 8 hours or more    
6 Personal Money & Travel Documents $6,000 $4,000
  sub-limit as below sub-limit as below
  • loss of money or unauthorized use of credit card
$3,000 $2,000
  • the replacement cost of travel documents and additional travelling expenses and/or accommodation expenses
$3,000 $2,000
7 Personal Liability $3,000,000 $1,500,000
Indemnifie you in respect of your legal liability towards third parties for accidental bodily injury or property damage together with associated legal costs and expenses    
8 Travel Delay, Trip Re-routing, Missed Journey & Overbooking $10,000 $5,000
For (i), (ii) and (iii) as a direct result of: sub-limit as below sub-limit as below
strike or other industrial action, riot, civil commotion, hijack, terrorism, adverse weather conditions, natural disaster, mechanical and/or electrical breakdown of the public common carrier or closure of the airport, we will pay:    
  1. travel delay (each and every 8 hours/sub-limit)
$300/$3,000 $250/$2,000
  1. extra accommodation expenses or irrecoverable pre-paid deposits or charges due to travel delay
$3,000 $2,000
  1. trip re-routing costs due to travel delay
$10,000 $5,000
For (iv) and (v), reimburses the reasonable accommodation and meal expenses (if not compensated by any third party)    
  1. missed journey
$10,000 $5,000
  1. overbooking
$10,000 $5,000
9 Loss of Deposit or Cancellation of Trip $50,000 $25,000
Reimburse irrecoverable prepaid deposits or charges in the event of:    
  • unexpected outbreak of strike, riot, civil commotion, terrorism, hijack, natural disasters or adverse weather conditions
  • serious damage to the Insured Person's principal home in Hong Kong arising from fire, flood or burglary
  • death, serious physical injury or serious illness of the Insured Person, immediate family member, close business partner or travel companion
  • witness summons, jury service or compulsory quarantine of the Insured Person
  • "Red" or "Black" alert issued under Outbound Travel Alert System
(Maximum payable amount for "Red" alert shall be 50% of the irrecoverable deposits or charges paid in advance)
10 Trip Curtailment $50,000 $25,000
Reimburse the proportional return of relevant irrecoverable prepaid cost of the planned holidays or additional incurred travel costs (confined to economy class) and accommodation expenses due to:    
  • - Unexpected outbreak of strike, riot, civil commotion, terrorism, hijack, natural disasters or adverse weather conditions
  • Serious damage to the Insured Person's principal home in Hong Kong arising from fire, flood or burglary
  • death, serious physical injury or serious illness of the Insured Person, immediate family member, close business partner or travel companion
  • "Red" or "Black" alert issued under Outbound Travel Alert System
(Maximum payable amount for "Red" alert shall be 50% of the relevant irrecoverable prepaid cost or additional costs and expenses)
11 Trauma Counseling $25,000 $15,000
Pay for the counseling fees if you are the witness &/or victim of a traumatic event sub-limit as below sub-limit as below
  • Per visit per day
$1,500 $1,000
Remarks : This webpage serves as a general guideline. Please refer to the exclusions, terms and conditions of the policy for details of cover.
    *Memorandum for One Way Cover (applicable to Single Journey Only)
  • For Insured Person not returning to Hong Kong, cover terminates at the expiry of 7 days from arrival at the final destination or expiry of the period of insurance as stated in the schedule of insurance, whichever is the earlier.
    *Memorandum for Automatic 10 Days Extension
  • If due to delay completely beyond the Insured Person's control and not party or solely due to the fault of the Insured Person and/or his/her family, the journey cannot be completed during the period of insurance stated in the schedule of insurance, the period of insurance shall automatically be extended without any additional premium for such extension up to the Insured Person's arrival to his/her final destination but in any event subject to a maximum of 10 days from the expiry date of the period of insurance stated in the schedule of insurance.
    *Free Cover for Children (Single Journey Only)
  • If you are travelling with your children, they will enjoy free cover. (Note: Please refer to the Benefit table for the maximum limits under Section 1 and 3 applied to children under 18)
  • Family refers to Insured Person, his/her spouse and children, (irrespective of the number) travelling with the Insured Person and/or his/her spouse for the entire period)
  • Child / children who are of age between thirty days and under 18 years old as named in the Travel Insurance Certificate

*Age Limit: From thirty days up to the age of 80 (Before the inception of the journey)

    *Enhancement Cover for Children (Applicable to Single Journey or Annual Cover)
  • If you wish to enhance the cover for your children, simply pay the full premium and they will receive the maximum limit of 100% for Medical & Related Expenses Section and 50% for the death benefit under Personal Accident Section.
    *Enhanced Personal Accident Benefit
  • For any Insured Person who pays 20% additional premium, the benefit under this section will be extended to cover
    *Maximum Duration of Journey(s)
  • Single journey - maximum 30 Days
  • Annual cover (unlimited number of journey) - maximum 30 Days for each journey
    *24 Hour Emergency Assistance Hotline
  • You will automatically receive the benefits of 24 hour Emergency Assistance Service provided by Chong Hing Insurance at anywhere in the world, emergency assistance service is only a phone call away.

Premium Table

(Effective from 3 March 2014 until further notice)

 Day(s) VIP Plan (HK$)
Classic Plan (HK$)
*Area 1 1-3 $138 $115
4 $178 $138
5 $208 $150
6 $235 $170
7 $250 $180
8 $268 $190
9 $285 $210
Each Additional Day $16 $11
Annual Cover Individual $1,780 $1,450
Family $3,560 $2,900
NB: This policy is only valid for travel originating from Hong Kong.
All benefits and premiums are in Hong Kong Dollars.
Download Application Form
  Download Leaflet
  Insurance Policy

Domestic Helper Plus

"Domestic Helper Plus" not only meets your legal obligation as an employer but also offers extra benefits for your domestic helper's security and health. We have structured a comprehensive insurance package that includes employees' compensation, dental treatment, hospitalization and outpatient for your domestic helper, we even extend the coverage to include Cancer and Heart Attack in order to give you and your Domestic Helper extra protection.

Maximum Benefit Limits (HK$)
1 Employees' Compensation Cover 100 million per event
2 Clinical Expenses 180 per day
    2,000 per year
3 Surgical & Hospitalization Expenses:  
  Room & Board Charges 300 per day
  Surgeon's Fees 10,000 per operation
  Anesthetist's Fees 25% of Surgeon's fees
  Operating Theatre Charges 12.5% of Surgeon's fees
  Aggregate Limit 30,000 per year
4 Loss of Services Cash Allowance 200 per day up to 15 days per year
5 Dental Expenses Two-thirds of actual expenses up to $1,500 per year
6 Personal Accident Benefits 100,000
7 Repatriation Expenses 20,000
8 Fidelity Guarantee 5,000 per year

The annual premium is HK$600 per person.

Age Limit: 18 - 65 years old (Above 65, subject to approval and underwriting of our company)

Waiting Period: A 14-Day waiting period from the effective date of the insurance shall be applicable under Clinical Expenses, Surgical & Hospitalization Expenses, Loss of Services Cash Allowance and Dental Expenses for each domestic helper during which no benefit claim will be accepted.

    Quotation or Enrolment Information Required
  • Insured Name
  • Telephone Number
  • Insured Address
  • Occupation
  • Domestic Helper's Personal Particulars
    • Full Name
    • Age
    • Sex
    • Nationality
  • Period of Insurance (Normally for a Year)
Download Application Form
  Insurance Policy

Family Plus

FamilyPlus provides you with comprehensive household insurance plan which protects your household contents, personal effects and legal liability. Once you purchase Section (1), you will automatically entitle Sections (2) to (4) for free. Also, Sections (5) & (6) are optional covers and are operative upon payment of additional premium.

Standard Insurance Cover
Maximum Limits (HK$)
  • Covers your household contents against "All Risks" of loss or damage including fire, typhoon, explosion, burglary and other mishaps.
  • Extends to cover damage to household contents during interior decoration (contract value not exceeding HK$100,000 and contract period less than 2 consecutive months)
  • Your valuable property (such as jewellery, watches, furs, musical instrument, works of art, antique, photographic equipment and the like)are also covered up to HK$15,000 each item and HK$300,000 in aggregate any one accident
  • Reimbursement of temporary accommodation expenses when your Home is rendered uninhabitable after an insured accident
1,500 per day
  • Loss or damage to your household contents temporarily removed from your home for storage purposes
  • Loss or damage to your personal effects in your usual workplace
  • Worldwide loss of money and unauthorised use of credit cards
  • Accidental damage to refrigerated food
  • Loss or damage to domestic servant's property
  • Removal of debris expenses
  • Repair or replacement of external doors, windows, door locks, and keys damaged as a result of burglary or attempted burglary
  • Protects you and your family members against legal liabilities and necessary legal expenses towards third parties for their bodily injury or property damage caused by you or your family members' negligence
  • Free to extend Property Owner's Liability if the Insured is also the owner of the insured location
  • Extends to operate worldwide when you travel aboard for not exceeding 30 consecutive days. (For travelling in U.S.A. and Canada, you are covered up to HK$1,500,000 any one year)
  • As a result of fire explosion or robbery at home, we offers compensation if you or your spouse
- Suffers accidental death
  • 100,000 per year
- Medical expenses reimbursement for accidental injury
  • 5,000
    each person

24 Hour Hotline Assistance Services for referrals to locksmiths, plumbers, electricians, doctors, dentists, nurses, baby-sitters, pest-control service and house-cleaners, etc.
(These are referral services only and we are not responsible for the actual costs incurred)

Referral services
OPTIONAL INSURANCE COVER (Operative Upon Payment Of Additional Premium)
Maximum Limits (HK$)

Provides worldwide protection for your valuables and personal effects (except mobile phones and the like) against "All Risks" of accidental loss or damage

5,000 any one article
30,000 per year
  • Protects you against liabilities as employer towards your domestic servants arising out of their accidental injury whilst at work
100,000,000 any one accident
  • In-hospital medical expenses insured by your domestic servants

* Age Limit: 18-65 years old

5,000 per year


Major Exclusion Items
Loss or damage due to war, terrorism, nuclear and radioactive contamination, pollution, mechanical breakdown, wear and tear were excluded, etc.

Claims under Section (1)&(2):
Year of Built
Less than 10 years old HK$200 each claim
Over 10 years old & less than
or equal to 30 years old
- Water Damage:
HK$10,000 or 10% of adjusted loss, whichever is the greater
- Others:HK$200 each claim
Over 30 years old Subject to quotation

Claims under Section (5) is subject to an excess of HK$200 each claim.

"Family Plus" is flexible, which means you only pay for the protection you need. The standard insurance coverage of HK$700,000 under Section (1) can be increased to meet your special requirement. Once you have purchased Section (1), the protection under Sections (2), (3) and (4) are automatically provided at no extra premium. Sections (5) and (6) are optional insurance covers and are operative upon payment of additional premium.

    Quotation or Enrolment Information Required
  • Insured Name
  • Telephone Number
  • Insured Address
  • Occupation Sector
  • Gross Floor Area (square feet)
  • Optional Insurance Cover
    • Worldwide Personal Effects "All Risks"
    • Domestic Servant
    • Property Owner's Liability (Applicable to Home Owner only)
  • Period of Insurance (Normally for a Year)
Download Application Form
  Insurance Policy

Car Plus

According to the Motor Vehicles Insurance (Third Party Risks) Ordinance issued by the Government of Hong Kong SAR, the operator of a motor vehicle must insure his / her liability against death or bodily injury caused to third parties while driving on the road. Such Third Party Insurance is the minimum insurance requirement to operate a motor vehicle. Having Motor Vehicle Insurance coverage is not only a legal requirement, but it also provides protection against any accidental damage caused to your beloved car.

Third Party Risks Insurance

This protects the car owner's or the driver's liability while using the car. It covers third party's bodily injury, loss of life or property damage. The maximum compensation from this type of policy is HK$100,000,000 for third party's bodily injury or loss of life, and up to HK$2,000,000 for property damage.

Comprehensive Insurance

    This is the most complete insurance plan for car owners and drivers. This Plan not only includes all the above protection, but also provides
  • Coverage for damage to the insured motor vehicle in the event of a crash, fire, theft or other forms of accident.
  • Coverage for medical expenses of up to HK$2,000 for any injury of the policy holder, driver or passengers of the insured motor vehicle due to an accident.

    The Most Reliable Insurance Services & Comprehensive Protection with Greater Benefits

  • Auto Assist 24-Hour Hotline Service*
  • No Claim Discount Protection*
  • FREE Personal Accident Insurance for One Year*
  • More Savings on Premiums
  • Unlimited FREE Windscreen & Car Window Cover*
  • New for Old Vehicle Replacement without Depreciation*
* Exclusive services and benefits for comprehensive insurance policy holder

    Quotation or Enrolment Information Required

  • Insured Name
  • Tel No.
  • Insured Vehicle's Detail
    • Registration Mark
    • Make and Model
    • Year of Manufacture
    • Cubic Capacity
    • Type of Body
    • Seating Capacity (Excluding Driver)
  • Particulars of Drivers
    • Name
    • Occupation
    • Age
    • Year of Driving Experience
    • Accident History
  • Coverage Required (Third Party or Comprehensive)
  • Sum Insured (Estimated Market Value for Comprehensive cover only)
  • No Claim Bonus (If Yes, please provides Name of Previous Insurer, Policy No. & NCB percentage)
  • Period of Insurance (Normally for a Year)
Download Application Form
  Insurance Policy

Fire Insurance

    "Fire Insurance" is a kind of property insurance. According to the past statistics, the annual loss in household contents, industrial or commercial equipment, raw material or stock-in-trade due to fire was incredibly substantial. To indemnify you against any financial loss caused by fire, our Fire Insurance offers comprehensive coverage tailored to suit your needs, the coverage is as follows:
  • Damage caused by fire
  • Damage caused by fire from your neighbor
  • Damage caused by thunder and lightning
  • Damage caused by explosion of boilers for domestic purposes
  • Damage caused by water from extinguishing of fire or other loss
    Besides the above basic cover, the insurance can be extended to cover the following perils:
  • Explosion
  • Spontaneous Combustion
  • Bush Fire
  • Earthquake
  • Typhoon
  • Riot & Strike
  • Malicious Damage
  • Crashed by Aircraft
  • Impact By Road Vehicle
  • Sprinkler Leakage
  • Water Tanks, Apparatus & Pipes
    Quotation or Enrolment Information Required
  • Insured Name
  • Telephone Number
  • Insured Address
  • Interest Insured
  • Sum Insured
  • Period of Insurance (Normally for a Year)
Download Application Form

Personal Accident Insurance Plan

The Personal Accident Insurance Plan (“Personal Accident”) offers you comprehensive coverage, including traffic and other accidental benefits, medical benefits, chauffeur benefits, and worldwide personal liability benefits. We Chong Hing Insurance Co Ltd will be there with our comprehensive Personal Accident insurance to protect you from the loss as a result of unwanted events.

Detailed Coverage
Maximum Claims Amount Per Year Per Insured Person
Standard Plan (HK$)
Premium Plan (HK$)
Double Indemnity
  • In the event of travelling as a passenger in a common carrier, in a private car or in an elevator downfall accident causing:
    (a) Death
    (b) Permanent total disablement
Percentage of compensation is based on a benefit scale specified in the Policy.
Accidental Death & Permanent Disablement
  • In the event of accidents causing:
    (a) Death
    (b) Permanent Disablement (total or partial) such as loss of sight, loss of speech and loss of a limb etc.
Percentage of compensation is based on a benefit scale specified in the Policy.
Accidental Medical Expenses
  • Reimbursement of medical, surgical and hospital expenses for Accidental Injury.
  • Maximum non-inpatient visit: HK$500 per visit per day.
  • Maximum benefit for Chinese bonesetter or acupuncturist: HK$200 per visit per day and HK$3,000 per year.
Emergency Treatment Transportation Benefit
  • Covers reasonable costs incurred for the hire of a suitable chauffeured vehicle, rehabus, taxi or ambulance to transport the Insured Person to and from home to clinics/Hospitals for treatment as Insured Person is certified as being unfit to drive a vehicle or travel on public transport.
  • Maximum HK$300 per trip and 2 trips per day.
Worldwide Personal Liability
  • Covers the legal liability in the event of the Insured Person’s negligence causing third-party Bodily Injury or Property Damage or loss.
Overseas Emergency Medical Evacuation and Repatriation
  • Covers the Emergency medical evacuation and repatriation expenses back to Hong Kong under a doctor's recommendation
Actual Cost
Actual Cost
Optional benefit
Income Protection
  • Covers up to 104 weeks for accidental Injury which causes disablement and prevent the Insured Person from performing every duty pertaining to his or her occupations from the 15th day of accidental Injury.
124,800 (1,200 per week)
208,000 (2,000 per week)

Comprehensive Worldwide Coverage
The Personal Accident Insurance Plan also provides you with 24-hour hotline services, to ensure you are protected comprehensive wherever you are around the world.

24-Hour Emergency Assistance
In case of emergency during your leisure or business trips abroad, you can call our 24-Hour Emergency Assistance hotline for prompt and free assistance in local medical, legal and travel advice.

Simple and Customer-Friendly Product – Hassle Free for Occupation Classification
Unlike the traditional personal accident insurance, Personal Accident has no tedious occupation classifications. Personal Accident simply charges 1 unique set of premium for all classes of occupations and covers the Accident arising from occupation except for any claims arising from performing the job duties of the following.

Occupational Accident Exclusion List.
1. Aircrew or ship crew 11. Movie producer, stuntman, actor, actress, entertainer or kung fu instructor 23. Nightclub, disco or karaoke club, bar staff or disc jockey
2. Artisan, carpenter 12. Diving or working with compressed air 24. Persons working at a height of greater than 10 feet from the ground of each floor level
3. Laboratory technician, chemist, chemical or petrochemical worker 13. Fitting of gas, water or electrical installation underground 25. Acrobat, circus trainer
4. Commercial driver of trucks, lorries, taxis, motor cycles, railways and buses 14. Installing or maintaining lifts or escalators 26. Underwater or underground worker
5. Architect, surveyor, engineer (civil, mechanical or marine), foreman, contractor (plumbing, electrical or construction), construction worker or any worker working in construction sites 15. Manufacturing, producing or working with ammunitions, explosives or fireworks 27. Estate or property management officer, guard, gardener, park worker
6. Fisherman, farmer, agricultural workers 16. Metal working or welding 28. Butcher, chef, cook, baker, kitchen, fast food or restaurant worker
7. Body guard and private investigator 17. Mining or quarrying 29. Domestic helper, house keeper, cleaner
8. Professional sportsman, racing driver, jockey 18. Electrical engineer, operating or maintaining machinery, assembler 30. Factory supervisor or worker
9. Reporter or foreign correspondent working in war zones or region of conflict 19. Selling or trading or manufacturing jewellery 31. Hawker, hair stylist, dresser, photographer
10. Stevedore 20. Working with asbestos or marble or hazardous chemicals 32. Postman, courier, office assistant
  21. Working with the fire or police services or any disciplinary services or any armed force of any unit, country or international authority 33. Tourist guide, hotel worker, luggage porter
  22. Gambling establishment included mah-jong parlour 34. Hospital worker, funeral service, grave worker

Please note that if your current occupation falls under the Occupational Accident Exclusion List, any accident arising from such occupation is not covered under this insurance.

No Restriction on the number of Children to be insured
If the Proposer has more than one Child, just pay one Child’s premium, the other Children will receive the same coverage free. The benefit amount for each Child is 50% of the Proposer’s benefit amount for Standard Plan and 35% of the Proposer’s benefit amount for Premium Plan.

Flexible Payment Methods
You can choose to pay your premium monthly or annually. If you choose to settle your premium on a monthly basis, it will be deducted from your bank account or credit card account with Chong Hing bank by autopay. If you choose to pay your premium annually, you can pay the annual premium by autopay, cheque or in cash at any of for greater flexibility.

Free 15-Day Policy Review Period
You will have a 15-day free period to review your policy. If you any reason you are not satisfied, simply return the policy with written notice within 15 days after receipt of the policy. The policy will be cancelled automatically and any premium already paid will be refunded if you have not made a claim.

Easy Enrolment
It is easy to enroll. Simply complete the enrolment form and mail or return it to any Chong Hing Bank Branch. No medical examination is required.

Low Premium Plus Third & Ninth Month Premium Waive
You can enjoy the Personal Accident at a low premium. It is designed to meet your budget and the protection you need. Enrol now your third month and ninth month premium will be waived in the first year. For annual payment, two months premium will be waived for the first year.

Major Exclusions

  • Death or bodily injury due to suicide intentional self injury, insanity, acts committed under the influence of drugs or alcohol, pregnancy or childbirth, strikes, riots, war, acts of terrorism, nuclear weapons contamination by radioactivity from nuclear fuel or waste.
  • Death or Bodily injury due to performing duties as part of the police, military or air force, participation in dangerous activities or sports (such as hang gliding, scuba diving or car racing), during or riding on a motorcycle, air travel other than as a passenger in a licensed commercial aircraft.

Premium Table

(Effective from 1 September 2016 until further notice)
Standard Plan (HK$)
Premium Plan (HK$)
Proposer Only 144 1,728 229 2,748
Proposer and Partner+(4) 274 3,288 434 5,208
Proposer and All Children 245 2,940 354 4,248
Proposer and Family++ 375 4,500 560 6,720
Optional Benefit – Income Protection (Per Insured Person) 18 216 29 348

Partner means someone to whom the Insured Person is legally married to or with whom the Insured Person lives in a relationship equivalent to marriage (whether of the same or opposite gender) and with whom the Insured Person has continuously cohabited for a period of at least 3 months prior to the accident date.
Proposer who has cancelled a policy of the same type in the past 6 months will not be entitled to the “Third Month and Ninth Month Premium Waiver”. For annual payment, two months premium will be waived for the first year.
“Proposer and Partner and All Children” means the Proposer and Partner must be aged between 18 and 65 before commencement of the Policy, and dependant children aged 6 months to 17 years old and to 23 years old if they are unmarried full-time students.
For those Insured Persons who are students, they are required to attend school locally.
The Personal Accident Insurance Plan is only available for subscription for residents of the HKSAR Identity Card Holder. The above premium is only applicable to those who work and/or stay in Hong Kong permanently.
If your current occupation falls under the Occupational Accident Exclusion List, any accident arising from such occupation is not covered under this insurance.
There is a “Non-Contribution Clause” under the General Conditions in the policy that if you are also covered by other insurance for benefits of Accidental Medical Expenses, Chauffeur Benefit and Personal Liability, the Company shall only pay for the benefit which is not recoverable from any other insurance.
There is a “Duplicate Application” Clause under the General Conditions in the policy. Prior consent from Chong Hing Insurance Co Ltd is required if you have a duplicate policy of this plan with Chong Hing Insurance Co Ltd if no prior consent is given, the benefit payable will only base on the policy with the greatest benefit or the policy which was first issued.
Download Application Form
  Download Leaflet
  Insurance Policy

The above information is for reference only. Please refer to the policy document for detailed terms, conditions and exclusions.
The above insurance plan is underwritten by Chong Hing Insurance Company Limited which is authorized and regulated by the Commissioner of Insurance of the HKSAR.
Chong Hing Bank is an appointed insurance agent of Chong Hing Insurance Company Limited.
(4) Contact details of Chong Hing Insurance Company Limited:
Office address: 5/F, Chong Hing Bank Centre, 24 Des Voeux Road Central, Hong Kong
Telephone number: (852) 3768 9288
Fax number: (852) 3768 9292

Customer Services Hotline:
(852) 3768 9288