Personal Accident provides an insured 24-hours, worldwide coverage against payment for:
- Death or injury due to accidental means
- Death or injury due to terrorists’ acts
- Motorcycling injuries
- Medical Expenses due to certain infectious diseases including Dengue Fever, SARs, Bird Flu, Hand Foot Mouth diseases, Mumps, Rubella, MERS
- Expenses incurred for purchases of mobility devices, crutches, wheelchairs, artificial limbs
- Treatment incurred by licensed Chinese Physicians and bonesetters
- Lump sum payment for bone fractures
- Emergency Medical evacuation due to accidents whilst overseas
- Coverage should be on Continental Scale of Benefits
- Qualification of claims for permanent total disability to be based on “Loss of Use” and not “Loss of Member”