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Plan Features

Generous Lump Sum Serious Accident Benefit

Receive up to HK$4,000,000 of lump sum payment to help you and your family after serious accidental injuries

Accidental Medical Expense Reimbursement and Alternative Medical Expenses Extension

If the insured person incurs necessary Alternative Accidental Medical Expenses as a result of an accidental injury, receive up to HK$40,000 of additional protection to provide you and your loved ones with financial assistance, which extends to cover alternative medical expenses^ including Chinese acupuncturist, Chinese bonesetter, chiropractor or physiotherapist.

^ The sub-limit is 10% of accidental medical expense, maximum 1 visit per day and HK$300 per visit

Hospital Cash Benefit

Receive up to HK$10,000 of hospital cash where you are hospitalised for at least 3 consecutive days due to an accidental injury

Worldwide Coverage

Enjoy 24-hour worldwide protection

Indexation on Benefit and Premium

Benefit and premium will be increased by 10% upon each policy anniversary, for up to 5 consecutive years, to minimize the impact of medical inflation on the coverage

Your Health Insurance Products

American Express Premier Surgical Cash Plus

American Express Premier Surgical Cash Plus

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Receive a cash lump sum to use flexibly in the event of surgery
American Express Premier Hospital Cash Plus

American Express Premier Hospital Cash Plus

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Safeguard unexpected hospitalization with daily cash benefit
American Express Premier Critical Illness Protector

American Express Premier Critical Illness Protector

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Help to relieve your financial burden with a lump sum benefit of critical illness protection
American Express Medical Protector

American Express Medical Protector

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The protection tailored for you and covers you from head to toe

American Express Premier Personal Accident Protector

Coverage Type

Why American Express?

Protection that matters

Discover our wide range of insurance products that is designed to protect you and your family. Choose what suits you: Our services are tailored to your needs

Simple, Quick, and Transparent

Protect you and your loved ones in just a few clicks. Our dedicated insurance advisors are always available to advise you on the most suitable product

Trusted Partnerships

We have partnered with Chubb Insurance and Zurich Insurance to provide you with comprehensive coverages for the things that matters most to you

Service and Security

Feel confident knowing you’re backed by the same quality service from American Express that you’ve come to know and trust

Our Insurance Partners

We work with international partners to provide the best insurance services

  • Chubb logo
  • Zurich logo

Contact Chubb Insurance

Levy collected by the Insurance Authority will be imposed on relevant policy at the applicable rate. The payment received for such levy will be remitted to the Insurance Authority under the prescribed arrangement. For further information, please visit www.ia.org.hk/en/levy.

Chubb Insurance Hong Kong Limited ("Chubb") is the underwriter of the policy and is authorised and regulated by the Insurance Authority. American Express International, Inc. ("American Express") is an appointed insurance agency of Chubb and is registered with the Insurance Authority, the license number is FA3113.

American Express identifies insurance providers and products that may be of interest to you. In this role American Express does not act as an agent or fiduciary for you, and American Express may act on behalf of the insurance provider, as permitted by law. American Express wants you to be aware that American Express receives commissions from providers and commissions may vary by provider and product. Also, in some cases, an American Express entity outside of the country may be the reinsurer and may earn reinsurance income. The arrangements American Express has with certain providers, including the potential to reinsure products, may also influence what products American Express identifies. Chubb, and American Express only provide general advice and do not consider your objectives, financial situation or needs. American Express does not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.

In the event of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the American Express and the customer out of the selling process or processing of the related transaction, American Express will enter into a Financial Dispute Resolution Scheme process with the customer; however any disputes over the contractual terms of the product should be resolved directly between Chubb and the customer.