Group Accident & Disability Insurance
Even the safest workplaces are not immune to accidents. When an employee is injured and unable to work, it affects not only their livelihood but also the company’s productivity and morale. Group Accident & Disability Insurance bridges that gap — providing employees with a lump-sum benefit in the event of serious injury, and giving employers a reliable system of protection.
Who Needs Group Accident & Disability Insurance?
Group Accident & Disability Insurance is ideal for companies in Hong Kong that want to protect employees against the financial impact of serious accidents — whether they happen at work, during commutes, or in daily life. Even in low-risk office environments, accidents can occur
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unexpectedly, and the consequences can be significant for both the employee and their family.
This cover is especially valuable for businesses with internationally mobile staff, client-facing roles, frequent travel, or operational exposure. It provides an affordable, high-impact layer of protection that strengthens employee confidence, improves retention, and reinforces your reputation as a responsible employer.
Possible Pitfalls We Help You Avoid
Group Accident & Disability policies vary widely, and the biggest problems usually come from unclear definitions. A common issue is misunderstanding what “disability” means — some policies pay only for permanent total disability, while others include partial disability or
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temporary incapacity benefits. Without careful review, employers may think they have strong protection, only to find payouts are limited.
Another frequent pitfall is restricted coverage scope. Some plans cover only working hours or work-related incidents, leaving employees unprotected outside the office. We help secure true 24/7 cover where appropriate, especially for expat teams and staff who travel regularly. We also address benefit limit weaknesses — low sums insured can create the appearance of protection without providing meaningful financial support.
These gaps often only become visible after an accident occurs. Our job is to design a policy that responds fairly and clearly when employees need it most.
Why Work With Expat Insurance?
Accident & disability insurance is not just about “having a policy” — it’s about making sure the policy pays when needed, under realistic circumstances. The differences between insurers can be hidden in eligibility rules, definitions, and claims triggers, and those details
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determine whether an employee receives support or faces delays and disputes.
Expat Insurance helps you structure the right benefit levels, coverage tiers, and definitions for your workforce. We compare options across leading insurers, simplify decision-making for HR, and support implementation so staff understand what is included. When claims happen, we assist employees through the process and liaise with insurers to help achieve faster, smoother payouts — protecting both your team and your company’s peace of mind.
What Does Typical Cover Include?
Group Accident & Disability Insurance typically provides lump-sum benefits for accidental death, permanent disability, and partial disability based on medical assessment. Many plans can also include temporary incapacity support during recovery periods, accidental medical
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reimbursement for immediate treatment, and 24-hour worldwide coverage — including outside working hours depending on plan design.
Optional enhancements may include family or dependant add-ons, higher benefit tiers for senior staff, and broader definitions to ensure fair coverage outcomes. Done properly, this cover gives employees confidence that they and their families are financially protected — and gives employers a practical, reliable way to demonstrate real care.
Let's Get Your Insurance Done Right
Group Accident & Disability Insurance can be complex — benefits vary widely between insurers, and eligibility terms can be confusing. We simplify everything.
We start with your workforce structure.
We analyse employee roles, travel frequency, and exposure to risk.
We customise your plan.
We match benefit levels and coverage tiers to your company’s policies.
We manage implementation.
We coordinate policy setup, enrolment, and ongoing communication.
We provide claim assistance.
We handle employee claims, insurer negotiation, and ensure quick payouts.
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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.
We Ensure Professional Insurance Services
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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 but common realities in Hong Kong, where unexpected medical events can swiftly become financial burdens. Protection versus exposure often comes down to the policy you choose.
