Group Accident & Disability Insurance
Our goal is to protect your employees — and your business — from
the unexpected. Group Accident & Disability Insurance provides vital financial support when
an accident results in temporary or permanent disability, giving peace of mind to both employer and employee.
About Group Accident & Disability Insurance
Security That Safeguards Your Workforce
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.
At Expat Insurance Hong Kong, we help businesses of every size build benefit programs that show real care. By protecting staff against unforeseen accidents, you strengthen your company’s reputation as a responsible and supportive employer.
Why Choose Group Accident & Disability Insurance?
Your employees are your most valuable asset. Offering this coverage shows you value their wellbeing — both inside and outside the workplace. It’s an affordable, high-impact benefit that boosts morale, improves retention, and enhances your company’s benefits package.
What Does Group Accident & Disability Insurance Include?
- Lump-sum payouts for accidental death or permanent disability
- Partial or total disability benefits based on medical assessment
- Coverage for temporary incapacity or recovery periods
- Accidental medical reimbursement for immediate treatment
- 24-hour worldwide protection, even outside work hours
- Optional add-ons for family members and dependants
This plan ensures employees and their families are protected from the financial impact of an accident, whether it occurs on business travel, during commutes, or in daily life. For employers, it demonstrates commitment to staff welfare and reinforces a positive corporate culture.
We don’t just place policies — we create smart protection strategies that fit your organisation’s needs and budget. From underwriting to claims, Expat Insurance manages the process end-to-end, ensuring fairness, clarity, and timely support for every employee.
Why Work With Expat Insurance?
Tailored Coverage. Expert Support. Lasting Relationships.
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.
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.
Possible Pitfalls We Help You Avoid
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Insufficient benefit limits: Some plans pay only minimal compensation. We ensure real financial protection.
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Unclear definitions: We clarify the difference between temporary and permanent disability benefits.
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Limited global coverage: We help secure 24-hour, worldwide protection for all employees.
No coverage for non-work incidents: Many plans only protect employees during working hours. We provide 24/7 protection on and off duty.
Overlooked mental or partial impairments: Some policies ignore mental health or partial disability. We include comprehensive definitions for fair, inclusive coverage.
These are common issues companies face when accidents happen — and the right partner makes all the difference. With Expat Insurance, you’ll have a team that protects your people and your peace of mind.
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.
We Ensure Professional Insurance Services
Need Other Insurance Services?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group Insurance
Flexible group plans promoting team 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
Ensures your family’s financial security and peace of mind, helping them maintain stability and avoid additional life stress if the unexpected happens.
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 aren’t rare exceptions — they’re everyday realities in Hong Kong, where a single hospital stay, accident, or unexpected illness can quickly become a financial crisis. The difference between being protected and being exposed often comes down to one thing: having the right policy in place.
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!
Blog & News Update
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Contact Us to
Make An Appointment
Ready to protect yourself and your family with comprehensive expat insurance in Hong Kong? Whether it’s medical, life, or personal protection, we make finding the right plan simple and stress-free.
Booking with Expat Insurance Hong Kong is fast and hassle-free. Just fill out the short form below, and our team will be in touch within 24 hours to discuss your needs and recommend the best coverage for you.
Call us for a quote today!
+852 3563 9771
