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1. |
Q |
Have you received my Notice of Claim? |
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In order for us to advise you, we
will need you to provide us your name, policy number
and ID number.
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2. |
Q |
What kinds of documents are required
to submit with the Claim? |
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Please let us know your Policy number
insured with ACE. These requirements may also
differ for different types of insurance policies.
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3. |
Q |
What is amount of compensation I can
expect under my Policy, for example, Personal
Accident Insurance and Hospital Cash Allowance? |
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For claims under Personal Accident
Insurance and Hospital Cash Allowance, the Principal
Sum and insured amount, which were determined at the
time the Policy was insured, will be paid.
For permanent disablement, the amount payable
depends on the extent of the disablement and is
governed by the Scale of Compensation.
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4. |
Q |
I was injured in the course of
employment and have obtained compensation from the
Employees Compensation arranged by my employer.
Can I still obtain compensation from my Personal
Accident Policy? |
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The amount payable for benefits such
as Accidental Death, Disablement (total or partial)
and Hospital Cash Allowance will be paid regardless
of whether or not the insured individual has
obtained any compensation from any sources.
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5. |
Q |
Can I get compensation from both Life
Insurance and Personal Accident at the same time? |
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Yes. In the case of death and
if it is the result of an accident, both the
Life Policy and Personal Accident Policy will pay to
your beneficiary.
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6. |
Q |
What other benefit is provided under
Personal Accident Insurance? |
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The other benefit you can look
forward to under Personal Accident Insurance is a
'Hospital Cash Allowance' which provides a cash
benefit for each day of hospital confinement as a
result of the accident.
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7. |
Q |
I will be out of town for a holiday.
Will my Personal Accident Insurance cover an
accident happening during my vacation? |
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Personal Accident Insurance normally
provides worldwide cover. That is the policy
will cover you no matter where you go subject to
exclusion. Having said that the policy usually
contains exclusions. You are advised to read
these carefully.
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8. |
Q |
Would the Travel Insurance Policy
cover my loss if I cannot attend the scheduled
flight or journey due to adverse weather conditions? |
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Most of Travel Insurance Policies
cover 'incurred but not recoverable' expenses due to
adverse weather conditions as specified in the
Policy.
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9. |
Q |
If I have an accident outside Hong
Kong, how can you assist me? |
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Subject to the coverage of the
policy, if it is covered by Emergency Assistance,
we will appoint a Worldwide Rescue Agent to assist
the Policyholder if an emergency should occur.
It is therefore very important that you obtain the
contact phone number or address of the Emergency
Assistance Agent in your destination country from
your broker or agent before your departure and bring
it along with you.
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10. |
Q |
If I have a minor cold in Hong Kong
and it develops into a fever while overseas, can I
recover the medical expenses from my travel
insurance policy? |
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Generally, no travel insurance policy
will cover medical expenses incurred as a result of
pre-existing illness or condition.
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