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"Driving Named Driver" Personal Accident Protection for both Comprehensive and Third Party Insurance Policies of Private Motor Car

The Driving Named Driver under both comprehesive and third party policies shall be entitled to the Personal Accident Protection of HKD200,000, the compensation of medical expenses up to HKD5,000 per accident and the daily hospital cash allowance up to HKD6,000 per accident.

 

Cover / Benefit

Sum Insured

Death or Permanent Disablement    

HKD200,000 per person to follow the compensation scale as below

Accidental Medical Expenses

Maximum HKD500 per visit & HKD5,000 per accident

Daily Hospital Cash Allowance

HKD300 per day & maximum 20 days (i.e. HKD6,000) per accident

 

Compensation Table

 

Event

Percentage of Sum Insured

1.

Death

100%

2.

Permanent total disablement

100%

3.

Permanent and incurable paralysis of all limbs

100%

4.

Permanent total loss of sight of both eyes

100%

5.

Permanent total loss of sight of one eye

100%

6.

Loss of or the permanent total loss of use of two limbs

100%

7.

Loss of or the permanent total loss of use of one limb

100%

8.

Loss of speech and hearing

100%

9.

Permanent total loss of hearing in
(i)  both ears
(ii) one ear

75%

15%

10.

Loss of Speech

50%

11.

Permanent total loss of the lens of one eye

50%

12.

Loss of or the permanent total loss of use of four fingers and thumb of
(i)  right hand
(ii) left hand

70%

50%

13.

Loss of or the permanent total loss of use of four fingers
(i)  right hand
(ii) left hand

40%

30%

14.

Loss of or the permanent total loss of use of one thumb
(i)  both right joints
(ii) one right joint
(iii) both left joints
(iv) one left joint

 

30%

15%

20%

10%

15.

Loss of or the permanent total loss of use of fingers
(i) three right joints
(ii) two right joints
(iii) one right joint
(iv) three left joints
(v) two left joints
(vi) one left joint

 

15%

10%

7.5%

10%

7.5%

5%

16.

Loss of or the permanent total loss of use of toes
(i)  all toes - one foot
(ii) great toe - both joints
(iii) great toe - one joint

 

20%

7.5%

5%

17.

Permanent Disability not otherwise provided for under Events 9 to 16 inclusive, such percentage of the sum insured as we shall in our absolute discretion determine and being in our opinion not inconsistent with the Compensation provided under Events 9 to 16 inclusive.

 

*“Driving Named Driver” means the named driver who is driving the vehicle when the accident occurs. Target Insurance Company, Limited reserves the right of final interpretation and approval.

  

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2926 2926
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