Personal Accident Insurance
Accidents can happen anywhere — at work, at home, or while travelling. Beyond the emotional stress, they often bring sudden medical bills, income loss, and lifestyle adjustments that can disrupt daily life.
Personal Accident Insurance offers lump-sum payments for accidental death, permanent disability, and temporary incapacity, ensuring that you and your loved ones have the resources to cope financially and maintain stability during challenging times.
At Expat Insurance Hong Kong, we help expats and families find coverage that fits their personal risks, occupations, and daily lifestyles — providing tailored solutions so you can focus on recovery, not expenses, while knowing your financial security is protected.
Why Work With Expat Insurance?
Personalised Coverage. Simple Process. Real Peace of Mind.
Our goal is to make sure your protection goes beyond medical bills. We find plans that safeguard your finances, lifestyle, and loved ones in case of unexpected injury.
We start with your lifestyle.
We assess your work, hobbies, and travel habits to design relevant, affordable coverage.
We explain your options clearly.
We compare multiple insurers to find the best plan for your risk profile.
We secure quick setup.
Most accident policies require no medical exams, making approval fast and easy.
We’re here when you need help.
If an accident occurs, we guide you through claims and ensure fair, timely compensation.
Why Choose Personal Accident Insurance?
Even the most comprehensive medical insurance may not fully cover the long-term financial impact of an accident. Personal Accident Insurance fills that gap by providing direct cash benefits that can be used however you choose — from medical costs and rehabilitation to replacing lost income or supporting your family.
What Does Personal Accident Insurance Include?
Accidental Death Benefit – lump-sum payout to beneficiaries if the insured passes away due to an accident
Permanent Disability Benefit – compensation based on the severity of injury or impairment
Temporary Total Disability – income replacement if you are unable to work temporarily
Medical Expense Reimbursement – covers treatment, physiotherapy, and hospital costs
Emergency Evacuation & Repatriation – assistance for severe injuries sustained abroad
Possible Pitfalls We Help You Avoid
Medical-only coverage: Standard health plans rarely pay cash for accidents. We make sure you receive lump-sum and income replacement benefits.
Insufficient disability payouts: Some plans undervalue severe injuries. We ensure comprehensive compensation scales that reflect your needs.
Limited global protection: Local policies may exclude incidents abroad. We arrange worldwide 24/7 coverage for full peace of mind.
Overlooked family protection: Many people forget to insure their spouse or dependents. We offer family-wide accident coverage in one plan.
At Expat Insurance, we’ve seen how fast life can change — and how the right policy can make all the difference. We’re here to make sure you’re financially protected, wherever life takes you.
Need Help? Contact Us Today.
We Ensure Professional Insurance Services
Need Other Insurance Products?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group
Flexible group plans can help promote well-being for long-term business success, and increased staff retention for your business.
Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
Property Insurance
Safeguards your home and lifestyle from fire, theft, or accidental damage, keeping your property secure for your peace of mind secure.
Life Insurance
Provides financial security and peace of mind for your family, helping them stay stable and avoid added stress if the unexpected occurs.
Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These are not isolated cases — they are part of daily life in Hong Kong, where one hospital admission, accident, or sudden illness can quickly turn into a financial emergency. The key distinction between being safeguarded and being exposed often comes down to one crucial factor.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
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