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Prepare for the unexpected and face Accidents with ease


Accidents are always a possibility – and their financial impact can be significant. That’s why having comprehensive personal Accident coverage is so important, as it ensures you will receive timely and appropriate support following an Accident.


The Daily Guardian Refundable Personal Accident Plan (“the Plan”) offers broad range of protection to ease your financial burden in the event of Accident - no matter where you are in the world. The Plan goes beyond protection for Accidental death and dismemberment, it also provides additional coverage for bone fractures, severe burn injuries, overseas accidents and accidents occurred during School1 activities. By paying Premiums for just 8 or 10 years, you can enjoy 12 or 15 years of protection, giving you peace of mind in the event of an unfortunate Accident. Furthermore, you can receive up to 103% of the Total Basic Premiums Paid at policy maturity, providing you with complete and flexible protection, regardless of your claims record during the benefit term. 

Plan Highlights

Comprehensive Accident Insurance Coverage

You can enjoy comprehensive protection in the event of Accident anywhere in the world, ranging from Accidental death and dismemberment to injury requiring medical attention or hospitalization. In addition, extra coverages are provided for Accidents resulting in bone fracture or severe burn injury, or Accidents occurred overseas and during School activities. Ample protection coverage leaves you with rest assured when Accident happens to you.

Refund of Premium at Maturity

Apart from the protection against Accidents, the Plan also provides a refund of Premium of up to 103% (applicable to the Policy with Premium payment term of 10 years) or up to 100% (applicable to the Policy with Premium payment term of 8 years) of the Total Basic Premiums Paid at maturity regardless of your claim record during the benefit term.

Easy Application

No medical examination is required. Simply answer 3 basic questions.

Worldwide Emergency Assistance Services#
Simply call the 24-hour assistance hotline to have access to various services including medical assistance, travel information, etc. in the event of an emergency when the Insured is traveling outside of Hong Kong for a trip not exceeding 90 days.
#These services are arranged through a third-party service provider and are not part of the policy or benefit item under the policy provisions of Daily Guardian Refundable Personal Accident Plan. Both the Company and the third-party service provider reserve the right to terminate or vary the service in their sole discretion without further notice. We shall not be responsible for any act or failure to act on the part of the third-party service provider.

Regulatory Disclosure

This webpage is for general reference only and should not be regarded as professional advice, recommendation and it is not part of the policy. It provides an overview of the key features of the product and should be read along with other materials which cover additional information about the product. Such materials include, but not limited to, product brochure that contains key product risks, policy provisions that contain exact terms and conditions, benefit illustrations (if any) and other policy documents and other relevant marketing materials, which are all available upon request. You might also consider seeking independent professional advice if needed.

The above information shall not be construed as an offer to sell, solicitation or persuasion to buy or provision of any of our products outside Hong Kong. For further information, please contact your Chubb Life Hong Kong Insurance Consultant or call our Customer Service Center Hotline at (852) 2894 9833.

The “Chubb Life Hong Kong”, “Company”, “we”, or “our” herein refers to Chubb Life Insurance Hong Kong Limited.

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