Personal Accident Insurance | American Express Hong Kong

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

Latest News

Health Insurance Limited-Time Offer for American Express Cardmembers

From now till May 20, 2025, register for the offer before successfully enroll in enrolling in Amex Premier Critical Illness Protector, Amex Premier Hospital Cash Plus or Amex Premier Personal Accident Protector to be rewarded with 20% statement credit per policy, up to a maximum of HK$4,000 statement credit per Registered Card.

Steps of offer registration:

Log-in and save

Save the offer to your Eligible Card in the “Offer” section via the Amex HK App or your Online Account

Enroll successfully

Successfully enrolled in the selected American Express Health Insurance with your Registered Card on or before May 20, 2025

Receive and enjoy

Receive a 20% statement credit per policy, up to a maximum of HK$4,000 statement credit per Registered Card, during the promotion period

Exclusions, T&Cs apply. Applicable to selected Cards only. Please refer to Important Documents – "American Express Health Insurance Limited-time Offer Terms and Conditions" for details.