Can You Claim Accident Insurance for Every Injury?

In the insurance industry, ‘accidental injury’ refers to an unusual, accidental, or unforeseen sudden ‘accidental event’ that is unrelated to the insured’s will or intentional behavior, resulting in physical injury, temporary disability, and permanent disability.

Accident insurance is specifically targeted at the causes of physical damage to the insured , which must have been triggered by an unforeseen sudden ‘accidental event’ .

According to the Insurance Authority Website , accident insurance provides a lump-sum cash compensation to the insured or their family in cases of accidental death or bodily injury, helping to alleviate potential financial pressures or even cover medical expenses resulting from the accident. Accident insurance typically compensates insured individuals affected by ‘accidental injury’ in the following ways:

• A lump-sum compensation for accidental death or disability
• A weekly fixed allowance during the period of inability to work due to accidental injury
• Actual reimbursement for medical expenses incurred due to the accident

The coverage of accident insurance typically includes the following items:

• Accidental death: In the event of death from an accident, the insurance company will pay the corresponding insurance benefits to the designated beneficiaries.
• Loss of limbs: If an accident results in the loss of a body part (such as a hand, foot, or fingers), the insurance company will pay the appropriate compensation.
• Permanent disability: If an accident leads to permanent bodily disability or loss of function, the insurance company will pay compensation based on the degree of disability.
• Weekly allowance during temporary disability : During the period of temporary disability, the insurance company will provide a weekly allowance to ease the financial pressure caused by being unable to work due to the accident.
• Treatment costs: The insurance company will cover medical expenses arising from the accidental injury, including doctor visits, surgery, hospitalization, medications, and rehabilitation treatments.

However, before purchasing, keep in mind that different accident insurance products may vary in their coverage items and could have specific compensation limits and terms based on the policy. Therefore, it’s wise to carefully read the policy terms, understand the coverage and compensation conditions, and then choose an accident insurance product that suits your personal needs.

For example, with Bowtie’s accident insurance, Touch Wood Protector uses a reimbursement method to cover medical expenses incurred within 12 months after an accident, including but not limited to the following coverage items:

• Outpatient services (including X-ray Diagnosis , Ultrasound Scan , registered doctor consultation fees and medication costs, excluding psychiatric treatment)
• Physiotherapy*
• Chiropractic treatment*
• Traditional bone-setting*
• Specialist doctor fees
• Surgeon fees
• Specified diagnostic imaging tests ( MRI Scan , CT Scan , PET Scan , PET-CT Combination and PET-MRI combination)
• Psychiatric treatment (limited to costs incurred during inpatient psychiatric treatment in Hong Kong, as recommended by a specialist doctor)

Accident insurance doesn’t necessarily cover all situations of accidental injuries .

For example, with Touch Wood Protector , if the accident involves illness, suicide, participation in illegal activities, war, riots, or military service, it will be excluded from coverage. Additionally, accidents resulting from high-risk activities (such as winter sports, racing, American football, etc.), reliance on or excessive use of alcohol, non-prescribed drugs (or under their influence), are also not covered.

Click here to learn about the exclusions for Touch Wood Protector .

In traditional accident insurance, high-risk occupation individuals may face premium increases or even denial of coverage when applying. In contrast, Bowtie Touch Wood Protector covers over 700 occupations, including disciplinary forces, renovation workers, professional drivers, and more, even covering medical expenses from accidents during work.

However, please note that if you are a professional athlete (such as a jockey), you are not covered.

If you’re injured in an accident and need to make a Claim , you’ll generally need to submit the following documents:

• Hospital claim application form (to be filled out by the attending doctor)
• Original receipts from the hospital or clinic

Additionally, if you have any of the following documents, it’s helpful to provide them to better understand your case:

• Surgery or pathology lab report
• CT scan or diagnostic test-related reports
• Referral letter from the attending doctor
• Sick leave certificate
• Compensation details from other insurance companies