Q1. How do you classify an incident as an Accident?
A1. An accident is an unexpected, unforeseeable and external event, such as a fall or a car crash, which causes physical injury like a broken limb or torn muscle. A disease or an illness is not classified as an accident.
Q2. What should I do in the event of loss, damage or injury?
A2. Take whatever steps are necessary to prevent further loss, damage or injury. Report to the police if your policy stipulates that you should. The police will provide you with a report with a reference number, which you may need when making a claim. Submit your claim as soon as possible (within 30 days of any claimable event).
Q3. What should I do if I lose my policy?
A3. You are protected even if you have lost your policy. Please contact our Customer Service Hotline on (852) 3191 6222 (Monday to Friday 9:00am to 5:30pm, except public holidays) for the prompt replacement of your policy.