Scoring Methodology of Personal Accident Insurance

Scoring Methodology of Personal Accident Insurance

• Death/ Disability Benefit Multiplier :
  Compare death/ maximum disability payout as multiple of annual premium
• Medical Reimbursement Multiplier :
  Compare maximum medical reimbursement payout as multiple of annual premium
• Physiotherapy/Bone-setting cover :
  Compare the coverage ratio assuming the insured requires the following treatment per accident: i) 5 physiotherapy sessions of HK$600 each; or ii) 5 Chinese bone-setting sessions of HK$350 each
• Hospital Cash Multiplier :
  Compare daily hospital cash payout (assume for 7 days) as multiple of annual premium
• Extreme Sports Coverage :
  Score based on whether these common adventurous sports are covered - skiing, scuba diving, parachuting, rock climbing and non-professional bicycle race

• Products with sum assured/ accidental death benefit of HKD 1,000,000 (or nearest) are selected
• Products with accidental medical expense coverage of HKD 40,000 (or nearest) are selected
• The occupation of the policyholder is indoor and non-hazardous in nature 

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