More family members signed up to enjoy multi-insured discount in an individual coverage!
Why Choose SmartProtect Plus
From gyming, jogging to playing in team sports, Hong Kong families love an active life. But mishaps do happen. An accident insurance solution designed to protect families either as a group or as an individual, SmartProtect Plus can help you handle medical and out-of-pocket costs that can add up after an injury, from emergency treatment, hospital stays, income loss, even death and disability. This way, you can do what you love without a second thought.
Product Highlights
- One Solution for Three Generations
Smart Protect Plus offers coverage for all 3 family generations, from 6-month-old babies to 80-year-old in-laws.
- A Choice of Shared or Individual Coverage
You can opt to share the sum insured amount with the whole family, first in Hong Kong2, or go for the individual coverage option so each family member is covered by a standalone sum insured amount!
- Lifetime3 Protection for Everyone
Once approved, your policy - as well as your loved ones’ - are renewable for as long as you live.
- Adaptable to All Needs and Budgets
Starting from as low as HKD1+ a day, premiums become cheaper every additional person covered.
- After One Kid, Other Kids Go Free
For shared coverage, you pay premium for one child only regardless of the total. Children also get double hospital cash and home nursing allowance, so do elderlies.
- Safety Net for Death and Disability
A lump sum payment of up to HKD2,000,000 (Elderly up to HKD1,000,000) to help ease concerns about the hefty expenses death and disability could incur.
- Generous Coverage of Medical Expenses
You’ll be able to claim medical expenses of up to HKD45,000 per accident (Elderly up to HKD30,000) should one knock on your door.
Two optional covers for better protection when accident occurs
Comparison Items | Individual Coverage | Shared Coverage | ||
Plan available | ||||
Plan available | Lite Plan | Standard Plan | Standard Plan | |
Annual Premium (for a family of 2 adults and 2 kids) | ||||
Annual Premium (for a family of 2 adults and 2 kids) | HKD1,460Most economical | HKD4,9504Generous protection | HKD3,400Save over 30% on premiums compared to Individual Coverage of the same plan | |
Suitable for | ||||
Suitable for | Budget buyers to cover the basic | Family with flexible budget and all-round protection needs | Family with children and all-round protection needs | |
Number of person(s) to be Insured | ||||
Number of person(s) to be Insured | At least 1 | At least 2 and up to 10 (including max. 4 elderly) | ||
Maximum Coverage Limit | ||||
Maximum Coverage Limit | A standalone limit for each insured person | One limit to be shared by all insured persons | ||
Accidental Medical Expenses | ||||
Accidental Medical Expenses | N/A | Max. HKD15,000 per accident | ||
Personal Accident | ||||
Personal Accident | Max. HKD600,000 per insured person, excluding Coma Protection | Max. HKD750,000, including HKD100,000 for Coma Protection | ||
Personal Liability | ||||
Personal Liability | N/A | Max. HKD750,000 | ||
Optional Coverage
| ||||
Optional Coverage
| N/A | Each insured person can pick their own optional cover(s) | All eligible insured persons must opt in for the same optional cover(s) | |
Additional Benefits | ||||
Additional Benefits | Additional Benefits | N/A | Broken Bone (for Elderly only) Daily Hospital Cash and Home Nursing Allowance Recovery Aids Job Changing Subsidy (for Adult only) | |
Additional Benefits | ||||
Additional Benefits | Annual Leave Compensation Insured Person Being Abused (for Child and Elderly only) | |||
Other Benefits | ||||
Other Benefits | Immediate Cash Relief Global Hospital Admission Deposit guarantee 24-Hour AXA Assistance Hotline Service (Worldwide Service) | |||
Premium Discounts | ||||
Premium Discounts | N/A | The discount is higher for each additional insured person(s): No claims discount | Paying the premium for 1 child covers all children under the same policy No claims discount | |
Case Sharing
Substantial Protection for a Fraction of Cost
Mr Lau and his family are lovers of the great outdoors. To protect his family, Mr Lau buys Smart Protect Plus and pays HKD8,442 for the annual premium. Unfortunately, an accident occurs rendering both himself and his son injured. Mr Lau files a claim and manages to get HKD52,250 reimbursed for consultation fees, X-Ray expenses, surgery fees, multiple follow treatments and more.
Mr Lau buys the Standard Plan with Individual Coverage for all family members (2 adults & 2 kids) and adds 2 additional protections (sports and income). With the discounts he gets for signing up 4 family members under seasonal promotion, he pays HKD8,442 for his annual premium.
Mr Lau has a bike crash and winds up with a bad foot fracture that prevents him from working for 30 days; meanwhile, his son fractures his right ankle and needs to undergo a surgery. In the end, Mr Lau manages to get HKD52,250 reimbursed for this case.
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Any injury or death due to suicide or intentional self-injury; sickness, disease, pre-existing physical or mental defect; unnecessary medical or surgical treatment; cosmetic surgery for the purpose of beautification; venereal diseases or insanity, AIDS, pregnancy or childbirth; acts committed under the influence of drugs or alcohol; duties as part of police, fire services or military; strike, riot, civil commotion (except passive risks), war, nuclear weapons or radioactivity; any unlawful acts; flying other than as a fare-paying passenger; participating in sports in a professional capacity or would earn remuneration from such sports; participating in any kind of speed contest or racing (other than on foot).
(Please refer to Policy Wording for full details of all exclusions)
FAQ
Q1. Why should you choose SmartProtect Plus ?
Q2. Can I use SmartProtect Plus to insure family members without a formal occupation, such as housewives and retirees?
Q3. Should I take out the Income or Payment Protection option?
Q4. Should I consider the Sports Protection option?
Q5. Which plans are available for Core Cover?
Q6. Can I get reimbursed for medical expenses on Chinese herbalists, bonesetters or acupuncturists?
Q7. When a claim is made under optional cover, will “No Claims Discount” be reduced to zero at policy renewal?
Q8. Does SmartProtect Plus offer extra benefits for accidents occurring in the Greater Bay Area?
Q9. What sports equipment are covered under the Sports Protection option?
Q10. If more than one insured person suffer an accidental death in the same accident, how are the claims settled under the Shared Coverage?
Q11. When two or more claims are submitted at the same time, how are they settled under a Shared Coverage policy?
Q12. When should I submit a claim?
Q13. How are claims settled when a policyholder who is also an insured person suffers an immediate death in an accident during the policy year?
Q14. Can I add or remove an insured person from the policy during the insurance period?
Q15. Can I cancel my policy or can AXA cancel my policy?
Remarks
Why Choose SmartProtect Plus
From gyming, jogging to playing in team sports, Hong Kong families love an active life. But mishaps do happen. An accident insurance solution designed to protect families either as a group or as an individual, SmartProtect Plus can help you handle medical and out-of-pocket costs that can add up after an injury, from emergency treatment, hospital stays, income loss, even death and disability. This way, you can do what you love without a second thought.
Product Highlights
- One Solution for Three Generations
Smart Protect Plus offers coverage for all 3 family generations, from 6-month-old babies to 80-year-old in-laws.
- A Choice of Shared or Individual Coverage
You can opt to share the sum insured amount with the whole family, first in Hong Kong2, or go for the individual coverage option so each family member is covered by a standalone sum insured amount!
- Lifetime3 Protection for Everyone
Once approved, your policy - as well as your loved ones’ - are renewable for as long as you live.
- Adaptable to All Needs and Budgets
Starting from as low as HKD1+ a day, premiums become cheaper every additional person covered.
- After One Kid, Other Kids Go Free
For shared coverage, you pay premium for one child only regardless of the total. Children also get double hospital cash and home nursing allowance, so do elderlies.
- Safety Net for Death and Disability
A lump sum payment of up to HKD2,000,000 (Elderly up to HKD1,000,000) to help ease concerns about the hefty expenses death and disability could incur.
- Generous Coverage of Medical Expenses
You’ll be able to claim medical expenses of up to HKD45,000 per accident (Elderly up to HKD30,000) should one knock on your door.
Two optional covers for better protection when accident occurs
Comparison Items | Individual Coverage | Shared Coverage | ||
Plan available | ||||
Plan available | Lite Plan | Standard Plan | Standard Plan | |
Annual Premium (for a family of 2 adults and 2 kids) | ||||
Annual Premium (for a family of 2 adults and 2 kids) | HKD1,460Most economical | HKD4,9504Generous protection | HKD3,400Save over 30% on premiums compared to Individual Coverage of the same plan | |
Suitable for | ||||
Suitable for | Budget buyers to cover the basic | Family with flexible budget and all-round protection needs | Family with children and all-round protection needs | |
Number of person(s) to be Insured | ||||
Number of person(s) to be Insured | At least 1 | At least 2 and up to 10 (including max. 4 elderly) | ||
Maximum Coverage Limit | ||||
Maximum Coverage Limit | A standalone limit for each insured person | One limit to be shared by all insured persons | ||
Accidental Medical Expenses | ||||
Accidental Medical Expenses | N/A | Max. HKD15,000 per accident | ||
Personal Accident | ||||
Personal Accident | Max. HKD600,000 per insured person, excluding Coma Protection | Max. HKD750,000, including HKD100,000 for Coma Protection | ||
Personal Liability | ||||
Personal Liability | N/A | Max. HKD750,000 | ||
Optional Coverage
| ||||
Optional Coverage
| N/A | Each insured person can pick their own optional cover(s) | All eligible insured persons must opt in for the same optional cover(s) | |
Additional Benefits | ||||
Additional Benefits | Additional Benefits | N/A | Broken Bone (for Elderly only) Daily Hospital Cash and Home Nursing Allowance Recovery Aids Job Changing Subsidy (for Adult only) | |
Additional Benefits | ||||
Additional Benefits | Annual Leave Compensation Insured Person Being Abused (for Child and Elderly only) | |||
Other Benefits | ||||
Other Benefits | Immediate Cash Relief Global Hospital Admission Deposit guarantee 24-Hour AXA Assistance Hotline Service (Worldwide Service) | |||
Premium Discounts | ||||
Premium Discounts | N/A | The discount is higher for each additional insured person(s): No claims discount | Paying the premium for 1 child covers all children under the same policy No claims discount | |
Q1. Why should you choose SmartProtect Plus ?
Q2. Can I use SmartProtect Plus to insure family members without a formal occupation, such as housewives and retirees?
Q3. Should I take out the Income or Payment Protection option?
Q4. Should I consider the Sports Protection option?
Q5. Which plans are available for Core Cover?
Q6. Can I get reimbursed for medical expenses on Chinese herbalists, bonesetters or acupuncturists?
Q7. When a claim is made under optional cover, will “No Claims Discount” be reduced to zero at policy renewal?
Q8. Does SmartProtect Plus offer extra benefits for accidents occurring in the Greater Bay Area?
Q9. What sports equipment are covered under the Sports Protection option?
Q10. If more than one insured person suffer an accidental death in the same accident, how are the claims settled under the Shared Coverage?
Q11. When two or more claims are submitted at the same time, how are they settled under a Shared Coverage policy?
Q12. When should I submit a claim?
Q13. How are claims settled when a policyholder who is also an insured person suffers an immediate death in an accident during the policy year?
Q14. Can I add or remove an insured person from the policy during the insurance period?
Q15. Can I cancel my policy or can AXA cancel my policy?
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