Wealth Management
Risk Management
Commercial Insurance
- Group Personal Accident
- Employees Accidental death or injury
- Specifically designed for companies or organizations with 5 or more employees
- Benefits: Accidental death, permanent disablement, accidental medical expenses, annual income benefit and daily hospital income
- Exclusive benefits: Dangerous sports, special situations and air travel
- Group Life
- Employees' families can receive payments immediately upon the insured's death so as to lessen their financial burdens.
- Suitable for enterprises of all sizes
- Death benefit for employees
- Office Multi-Risks
- Reduce your losses by protecting your retail shop from accidents and other eventualities.
- Coverage: Trade contents and stock protection, money protection, personal accident protection, legal liability protection and so on.
- Protects against all risks such as fire, theft, burglary, water damage, and so on.
- Optional: Loss of income and employees' compensation
- Retail Multi-Risks
- Reduce your losses by protecting your retail shop from accidents and other eventualities.
- Coverage: Trade contents and stock protection, money protection, personal accident protection, legal liability protection and so on.
- Protects against all risks such as fire, theft, burglary, water damage, and so on.
- Optional: Loss of income and employees' compensation
- Fire Insurance
- Coverage: Property loss caused by fire, lightning or explosion.
- Optional: Loss caused by typhoon, bursting pipes or malicious damages.
- Marine Cargo Insurance
- Coverage: All goods transported by air, sea or road, the journey from the port to the warehouse.
- Employee Compensation Insurance
- Coverage: The employer's liability under Employees' Compensation Ordinance and at Common Law.
- Compensation for personal injury or death of an employee during work.
- Theft Insurance
- Coverage: Losses attributable to theft or attempts thereat. The policy has no separate sum. One important feature about the scope of the cover is that policies normally include damage caused by thieves, as well as actual loss by theft, with no separate premium calculation.
- Insured for damage, cover normally being specified for stock and other specified contents.
- Public Insurance
- Protecting a commercial or other organization against claims from nonemployees in respect of injury or property damage for which they claim the insured is legally responsible.
- Coverage: Both injury and property damage claims. It also covers legal expenses, both of the insured in defending or resisting such claims and those of the successful third party. The policy is usually subject to a limit of liability cover, which applies for any one claim (and sometimes for any one year). Legal costs are usually not subject to a separate policy limit, but are payable in addition to compensation limits.
- Contractors All Risk Insurance
- Coverage: the loss of materials and public liability caused by accidents during the construction of buildings or roads.
- Money Insurance
Originating from a class of business called Cash in Transit, the modern money policy covers various forms of money in various locations.
Features to note are:- Cover is on an "all risks" basis. In addition to the loss of money, damage to safes and strong-rooms, etc. caused by thieves is usually covered.
- "Money" means much more than legal tender, extending to include cheques, bank drafts and other forms of financial documents
- Location : the original intention of covering cash in transit remains a major element of cover, but cover at other locations (including the homes of specified staff, as well as the insured's business premises) is also likely.
General Insurance
- Personal Accident
- Coverage: Death, permanent disability caused by accident, accidental medical expenses and annual income benefits.
- Optional: Accidental medical expenses or annual income benefit to provide protection in case of hospitalization or temporary disability
- In-Patient Medical
- Coverage: Medical expenses for hospitalization due to illness or accident
- Optional: Hospital cash benefit and supplementary major medical benefit
- Hospital Cash
- Coverage: A cash benefit insurance policy offers instant financial assistance during and after hospitalization.
- Suitable for persons aged between 18 and 59
- Daily hospital cash benefit for hospitalization due to illness or accident
- Protection includes daily hospital cash and double indemnity for intensive care
- Health tonic cover for hospitalization recovery
- Home Contents
- Coverage: accidental fire, a burglary, a sudden storm/flooding or any other calamity in your home. Compensation is paid on a new forold basis without any depreciation.
- Extra protection includes personal accident, damage incurred during removal, legal liability and optional personal possessions coverage
- Offers medical benefit, dental expenses and personal accident benefit for your domestic helper
- Domestic Helper
- Comply under the Employees' Compensation Ordinance
- Suitable for domestic helpers aged between 18 and 60
- Coverage: Employer's liability, fidelity protection, service interruption cover and repatriation costs
- Travel
- Coverage: Medical expenses, personal accident, accidental medical expenses, 24-hour emergency assistance service, loss of baggage and documents, personal liability travel delay, trip cancellation or curtailment as a result of terrorism
- Compensation: loss of home contents due to burglary while you are travelling
- Protection for challenging sports
- China Medical Card
- Medical services guaranteed in China
- Accepted by appointed hospitals across the Mainland. Present the China medical card to the appointed hospital, admittance for prompt medical treatment is guaranteed and there is no need to settle the hospital bills in cash
- Coverage: Medical benefit, emergency medical evacuation, child escort, compassionate visit, compassionate transfer, personal accident and personal liability
- Motor
- Comprehensive and third party insurance
- Golf
- Coverage: Public liability, loss of golf equipment and personal effects, and personal accident protection
- Cash payment for hospitalization due to injury while playing golf
- Rewards for "hole in one"
- Personal Liability
- Third-party liability legal protection to avoid losses
- Coverage: accidentally cause bodily injury to others or damage other property, you must bear the legal liabilities and litigation expenses
