GENERAL INSURANCE - PERSONAL ACCIDENT PLAN

SmartProtect Plus

Apply for the Basic Plan online now to enjoy 25% premium discount!

GENERAL INSURANCE - PERSONAL ACCIDENT PLAN

SmartProtect Plus

Apply for the Basic Plan online now to enjoy 25% premium discount!

More family members signed up, more premium discounts!
Purchase a plan now to get an extra 25% off1

Life is full of surprises!

And no one understands surprises quite like P1X3L, one of Hong Kong’s hottest boy bands who burst onto the scene and surprised everyone.  AXA have collaborated with P1X3L to create an exciting, new song and music video “This is how we保” to illustrate how SmartProtect Plus can cover you from accidents!

Check out the music video now to see how AXA can help you!

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 HKD600,000 to help ease concerns about the hefty expenses death & disability could incur.
  • Generous Coverage of Medical Expenses
    (Basic Plan only) You’ll be able to claim medical expenses up to HKD10,000 per accident should one knock on your door.
Two optional covers for better protection when accident occurs
Extra Protection for Peace of Mind

Jobholders can enjoy income or payment protection, so expense can still be paid during their recovery off work.

Extra Protection for Extra Active Families

Options to cover sportswear and equipment damage; medical expense claims is bound by per-accident limit4 only.

Get Instant Quote for AXA SmartProtect Plus Protection

Individual vs Shared Coverage
Which plan is a fit for you & your family?

Comparison Items

Individual Coverage

Shared Coverage

Plan available

Plan available

Lite Plan
Basic Plan
Basic Plan

Annual Premium (for a family of 2 adults and 2 kids)

Annual Premium (for a family of 2 adults and 2 kids)

HKD1,460

Most economical

HKD3,243.65

Generous protection

HKD2,2106

Save 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. HKD10,000 per accident

Personal Accident

Personal Accident

Max. HKD600,000 per insured person, excluding Coma Protection

Max. HKD600,000, including HKD100,000 for Coma Protection

Personal Liability

Personal Liability

N/A

Max. HKD600,000

Optional Coverage

  • Income or Payment Protection
  • Sports Protection

Optional Coverage

  • Income or Payment Protection
  • Sports Protection

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):

2 to 4 insured: 10%

5 or more insured: 15%

Paying the premium for 1 child covers all children under the same policy

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 HKD6,151 for the annual premium. Unfortunately, an accident occurs rendering both himself and his son injured. Mr Lau files a claim and manages to get HKD44,500 reimbursed for consultation fees, X-Ray expenses, surgery fees, multiple follow treatments and more.

Mr Lau buys the Basic 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 HKD6,151 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 HKD44,500 reimbursed for this case.

‘Smart Living@Kenneth’ Series

Kenneth, Chief General Insurance Officer of AXA Hong Kong and Macau, explains the features of SmartProtect Plus.

Smart Living@Kenneth x P1X3L

How can one personal accident insurance plan protect a multi-generational family?

Smart Living@Kenneth x P1X3L

What kinds of medical coverage are included in personal accident insurance plan?

Starting as low as HKD365/year+

Major Exclusions

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.  Does SmartProtect Plus offer extra benefits for accidents occurring in the Greater Bay Area?

Q8.  What sports equipment are covered under the Sports Protection option?

Q9.  If more than one insured person suffer an accidental death in the same accident, how are the claims settled under the Shared Coverage?

Q10.  When two or more claims are submitted at the same time, how are they settled under a Shared Coverage policy?

Q11.   When should I submit a claim?

Q12.  How are claims settled when a policyholder who is also an insured person suffers an immediate death in an accident during the policy year?

Q13. Can I add or remove an insured person from the policy during the insurance period?

Q14.  Can I cancel my policy or can AXA cancel my policy?

Remarks