Personal Accident Insurance
At Expat Insurance Hong Kong, we arrange tailored Personal Accident Insurance for expats, individuals, and families who want clear financial protection if an unexpected accident causes serious injury, disability, or loss of income. Whether you’re working, travelling, commuting, or simply living day to day in Hong Kong, we make it straightforward to secure cover that provides real reassurance.
Who Needs Personal Accident Insurance?
Personal Accident Insurance is most valuable for people who want protection against the financial consequences of accidental injury. It’s especially relevant for expats who don’t have strong employer disability benefits, self-employed professionals, business owners, and
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anyone whose lifestyle depends on staying healthy and able to work.
It’s also highly relevant if you want clarity before something happens, because accidents don’t announce themselves. A fall, a sports injury, or a traffic accident can result in weeks or months of recovery — and the financial impact is rarely just one cost. It can involve medical expenses, rehabilitation, time off work, reduced income, and additional support needs at home. Personal Accident cover is designed to help you stay financially stable when life becomes suddenly unpredictable.
Possible Pitfalls We Help You Avoid
This is where experience matters, because accident cover can be misunderstood. One common pitfall is assuming medical insurance will cover everything. Medical insurance may pay hospital bills — but it typically doesn’t replace lost income or provide a lump sum to help with
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lifestyle disruption. Personal Accident Insurance is different: it’s about financial protection, not just medical treatment.
Another issue is unclear benefit structure. Policies vary widely in how they define accidental death, permanent total disability, partial disability, and the percentage payouts for different injuries. Some plans look attractive until you realise the benefit schedule is restrictive, or that certain common injuries only receive a small payout. We help you understand what you’re actually buying — and how the policy responds in real scenarios.
We also see confusion around exclusions and lifestyle factors. Certain sports, activities, or travel patterns may affect cover. People can assume they’re protected for everything, only to find limitations around hazardous activities, work-related risks, or claims conditions. We guide you to cover that matches your actual lifestyle — with fewer surprises and fewer grey areas.
Why Work With Expat Insurance?
We regularly speak with expats who believed they were “covered enough,” only to discover that their protection was incomplete. In many cases, they had medical insurance — but no meaningful cover for disability, loss of income, or long-term recovery impact. These gaps are
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not obvious when comparing policies online, because the real value is in the definitions, benefit schedule, and claim triggers.
Another common problem is relying solely on employer-provided cover. Corporate plans often provide limited accident or disability benefits, and they may not reflect the true financial needs of an individual — especially for senior professionals, sole breadwinners, or people with dependants. Employees often assume their company plan will be enough, until an accident shows how quickly the financial pressure builds.
For expats, there’s also the complexity of living away from extended family support. If an accident limits your ability to work or function normally, the cost of help, care, or lifestyle adjustments can be significant. We help you structure cover that provides genuine protection — with clear benefits and confidence in what the policy will do.
What Does Typical Cover Include?
Personal Accident Insurance typically provides a lump sum benefit for serious outcomes such as accidental death or permanent disability, and may include benefits for partial disability based on a schedule of injuries. Many policies can also include weekly or monthly benefits for
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temporary disablement, depending on the plan design.
A key focus is ensuring you’re protected not only for extreme scenarios, but also for realistic disruptions — where an injury prevents you from working, impacts your income, or requires extended recovery. Done properly, Personal Accident cover is built to reduce the financial shock that can follow a sudden injury and help you maintain stability during recovery.
Let's Get Your Insurance Done Right
Don’t settle for a policy that only covers medical bills. Secure a comprehensive plan today that safeguards your finances, lifestyle, and loved ones against the long-term impact of an 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.
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How Can We Help you?
Fill in your details, we’ll be in touch to answer your questions. No hard sell. Just the friendly help you need. We’ll get back to you to you within 24 hours. Or on the next business day if it’s now after hours.
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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 any further 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.
