Accident & Health

This is an important form of insurance which covers one of the most important assets we possess – ours and our families’ health and body. It is typically an annual policy and is different from Life Insurance.

As the name suggests, in general terms, Accident and health insurance covers the following:

  • provides Accident, Disability, Dismemberment & Death coverage

We can’t always prevent accidents from happening, but we can help plan and protect ourselves from the resulting financial burdens. Accident Insurance helps you handle the medical and out-of-pocket costs that add up after an accidental injury. This includes emergency treatment, hospital stays and medical exams, and other expenses you may face, such as transportation and lodging needs.

In General Terms, the coverage is to offer assistance on

  • Accidental Death
  • Permanent Disablement, whether total or partial
  • Temporary Permanent Disablement
  • Corrective Surgery
  • Hospitalisation benefits
  • Funeral Expenses
  • Medical Expenses

We facilitate individual and group personal accident & illness programs, coverage for high-limit death and disability and both long- and short-term disability, among others.

Specialised Personal Accident Programs

Personal Accident policies for groups such as Professional Sportsman is a specialized subject. We can arrange insurance for such groups and have provided solutions for covering Professional Sports Teams on a Re-insurance basis.

As international travel becomes more the norm rather than the exception, there is a need for a complete business travel accident insurance policy with global capabilities. This can be bought on an individual trip basis or an annual travel policy can be bought covering all your trips for the year.

Typical Coverages can include:

  • Business Travel Accident insurance
  • Medical Evacuation and Evacuation
  • Out-of-Country Medical Expenses Insurance
  • Travel Assistance Services
  • Identity Theft Services
  • Kidnap and Ransom Benefits
  • Delayed or Damaged Baggage Benefits

We work with various International Insurance Companies and can structure a program for your requirements.

Health insurance provides coverage against the risk of incurring medical expenses among individuals. This can be bought as an individual medical insurance policy, as a family floater insurance policy or as a Group Medical Insurance Policy as well.

Additionally specific medical coverages such as critical illness insurance policies are also available. Critical illness policies are benefit policies where-in a pre-determined sum insured is paid out in the event of a person buying the policy contracting any ailment / disease from a pre-defined list of major ailments / diseases.

All health insurance policies are typically annual policies necessitating the payment of annual premiums in a lump sum manner.

We facilitate health covers including medical expense exposures, dental care, managed care on either stand-alone basis or integrated with disability covers. Flexible solutions for individual needs or group coverage are also available.

(Please note that the objective here is to provide what we can do. In case you are looking for product information, we will be happy to assist you. You can write in to us at with some specifics as to what you are looking for or call us at +852 2801 5100 and we will be happy to assist you.)