| Coverage |
Comprehensive |
Third Party |
| Accidental Damage |
✓ |
X |
| Loss of Your Motor and/or its Accessories |
✓ |
X |
| Legal Liability for causing Third Party's Death and/or Bodily Injury |
Up to HK$100,000,000
(stipulated by law) |
| Legal Liability for causing Third Party's Property Damage |
Up to HK$2,000,000 |
| Min Xin Extra Benefits |
| Medical Expense - Driver & Occupant |
✓ |
X |
| Personal Accident Coverage |
✓ |
X |
| No Claim Discount (NCD) Protection |
✓ |
X |
| Claims Recovery Service |
✓ |
X |
| Windscreen Accident Cover |
✓ |
X |
| New For Old Replacement Car |
✓ |
X |
Medical Expense - Driver & Occupant
Min Xin provides the medical expenses for the Insured or the Insured Driver or any occupants of the motor car, up to HK$2,000 per policy year
Personal Accident Coverage
Up to a maximum of HK$100,000 per policy year in the event of accidental death or total permanent disablement in a traffic accident, for the Insured or any Named Driver.
No Claim Discount (NCD) Protection
You can maintain your existing No Claims Discount (NCD) at renewal even if you make the claim(s) within a year provided that the total claim amount does not exceed HK$80,000 or 20% of the sum insured (whichever is the lesser)
Claims Recovery Service
In the event of an accident caused by the third party’s fault, Min Xin will seek recovery from the responsible third party on your behalf. You will continue to enjoy the existing NCD and reimbursed against the excess amount already paid by you, if the recovery is successful.
Windscreen Accident Cover
If your front and / or rear windscreen is broken, Min Xin covers the replacement cost without excess & your NCD remains unaffected. The maximum amount depends on the make & model of your car.
New for Old Replacement Car
If the motor car is less than 1 year old at the time of accident giving rise to a claim, a new car of the same make and model will be provided as compensation by Min Xin (without making any deduction for depreciation), when the Insured car was stolen or has sustained a total loss.
Overseas travels are the joyful time which should be full of unforgettable moments with your family members or friends. During the trip, in case of emergency medical expenses for accidents or sicknesses, flight delays, loss of baggage or personal belongings, these unexpected events will cause you financial loss and affect your trip. Min Xin Travel Package Insurance offers a range of coverage to cater your different travelling protection needs.
Whether you are going on just one single trip or many trips in a year, you can select the most suitable coverage for you from our travel insurance plan:
- Single Trip Travel Insurance – this cover provides three different selections of coverage and is designed for travelers to meet their specific needs including round trip and one way travel
- Annual Travel Insurance – this cover is suitable for frequent travelers, with no limitation on the number of trips in a year to ensure that the travelers are protected in every trip
Plan Highlights:
- No excess for all Benefits
- 24-hour MIN XIN Worldwide Assistance Services including hospital admission guarantee
Coverage includes protection for:
- Cover all kinds of leisure sports
- Emergency Medical Expenses
- Personal Baggage covers including sport equipment and lap-top computer
- Added option for upgraded Personal Accident cover to provide a more comprehensive protection
This plan is specially designed to provide you a comprehensive cover for your household contents and legal liability with a friendly premium level. It is “All Risks” cover and protects your contents against accidental loss or damage arising from fire, theft, explosion, flood, typhoon etc. Also covers your legal liability against any claim for bodily injury or property damage resulting from the negligence of you.
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By Employees’ Compensation Ordinance in Hong Kong, the employers are responsible for the compensation under both Ordinance and Common Law for any death or injury of their employees. Min Xin is ready to offer you an Employees’ Compensation insurance plan to cater for this legal requirements.
In addition to the basic employees’ compensation cover, we also provide top-up extension coverage with a friendly premium level which is affordable by SME and meet your every needs.
Being the premise owner / business operator, you are very often facing potential liability risks as arising therefrom. Min Xin’s Public Liability policy provides the protection for liability under Common Law and Statute Law, against any sum that you are legally liable to pay for third party bodily injury as well as damage to third party property.
