Personal Accident Insurance Plan

Macau is getting more and more crowded each day with people and traffic. The unexpected can happen anytime and anywhere. Macau Insurance Company Personal Accident Insurance is designed to protect you against all possibilities, and provides you a comprehensive protection for you and your family.

Insurable Age
18 to 65

Scope of Coverage
The Insured Person is protected against accident occurs, leading to bodily injury, permanent disablement or death.

Medical Expenses Reimbursement
This plan covers all eligible medical expenses for hospital or outpatient treatment when the Insured Person suffers bodily injuries from accident.

Plan Details & Premium

Classification of Occupation

Class 1: Professions, administrative and clerical occupations without manual work
Such as: accountants, architect, land surveyor, cashier, office clerk, clergymen, civil engineers (not visiting sites), dentist, real estate agents, lawyers, entrepreneur, doctor, secretary, receptionist, secretary, telephone operator, secondary / primary teacher, students*, retired* and housewives*.
* Maximum Sum Insured MOP 600,000

Class 2: Supervisory professions & occupations requiring outdoor work, occasional manual work or use of light tools or machines of non-hazardous nature
Such as: builders (superintending), civil engineer / geologist (visiting sites occasionally), salesperson, interior decoration foreman, hairdressers, plumbers (superintending), private car drivers, driving instructors, casino staff (card dealers, clerical staff), beautician, social worker, musician and tailors.

Class 3: Professions & Occupations of light manual works
Such as: domestic helpers, cleaning workers, laundry workers, residential building watchman, waiters, cook, bakers, bus drivers, taxi drivers, lorry drivers, photographer, veterinary surgeons and dancers.

# Other than the above occupation class, please contact us for enquiry.

Remarks︰ The above information is for reference only. For detailed terms and conditions of this plan please refer to the policy schedule.
This service/product is not targeted at customers in the EU.
This insurance is subject to Communicable Disease Exclusion.

Traffic accidents often occur unexpectedly and come along with financial burdens. Whether in the capacity of a driver, passenger or pedestrian, this product provides you with coverage and appropriate financial supports in the event of Traffic Accidents.

Insurable Age
18 to 65

Scope of Coverage
The Insured Person whether in the capacity of a driver, passenger or pedestrian is protected against Traffic Accident(s) occurring in Macau and reported to the police which result in his/her accidental injury(ies) including bodily injury, permanent disablement or death.

Medical Expenses Reimbursement
Up to MOP3,000 per Traffic Accident, subject to an annual maximum limit of MOP30,000.

Plan Details & Premium

Annual Premium: MOP210

Special Exclusions

• Accidental injuries suffered by the Insured Person as a driver while using the vehicle for commercial purpose, including but not limit to driving or temporarily parking for maintenance of the vehicle (such as refueling, adding water, repairing breakdown, replacing tire, etc.);
• Actions of the Insured Person as a driver without the appropriate driving license;
• Actions of the Insured Person involving in the vehicle carrying more than its seat capacity and/ or cargo capacity legally allowed per the vehicle’s registration document;
• Actions of the Insured Person that violate the laws, regulations, rules of the Macau Special Administrative Region in relation to road traffic.

Remarks:
The above information is for reference only. For detailed terms and conditions of this plan please refer to the policy schedule.
This service/product is not targeted at customers in the EU.