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To protect you from scam SMS, Club Care / HKT Care has joined the SMS Sender Registration Scheme by the Office of the Communications Authority (OFCA). We will only send SMS message to Hong Kong mobile users by using registered sender ID "#ClubCare", "#HKTCare" or "#HKT_IA" to help you identify the true source.


To sustain service excellence, system maintenance of MSIG's website will be conducted from 06:00 a.m. to 08:30 a.m. on 1 August (Friday). Online purchase for iTravel Plus (Single Trip) and Online redemption services for EasyShare Travel Plus Insurance Package provided on this site will therefore be temporarily suspended at that period. We apologize for any inconvenience that may cause.

Accident & Disability
The unexpected can sometimes happen. Being prepared for anything is the best way to smooth out life’s wrinkles. Get the protection you need with accident and disability plans.
Accident & Disability
The unexpected can sometimes happen. Being prepared for anything is the best way to smooth out life’s wrinkles. Get the protection you need with accident and disability plans.
BeEasy Accident Protection Plan
  • 2 plan levels to fit your protection needs and budget
  • Broad accidental death and disability coverage
  • First-in-market Scar due to Accident
  • 24-hour Worldwide Assistance Service
Important Notes
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Important Notes
  • The product information above is indicative only and is provided by FWD Life Insurance Company (Bermuda) Limited. For the full terms and conditions and exclusions, please refer to the policy document (including the product brochure and policy provisions) which shall prevail in case of inconsistency.
  • The insurance plan is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care website at www.hktia.com.hk is operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA (Licensed Insurance Agency License No.: FA2474), being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency, acts as an appointed licensed insurance agent for FWD Life. 
  • The information is for reference only. Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact Club Care Customer Service Hotline at 8209 0098.
  • The premiums of the insurance product will be payable to FWD Life, and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agent for FWD Life. 
  • The insurance product is intended to be offered in Hong Kong only. The display of information of the insurance product on this website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sale or provision of any insurance products by FWD Life or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy.
  • HKTIA 's role is limited to distributing insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the products. 
  • Insurance products are products and obligations of FWD Life and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life. 
  • All insurance applications are subject to FWD Life’s underwriting and acceptance. 
  • FWD Life’s is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
Know More
Product Brochure Policy Provisions
Ever Care Accident Protection Plan
  • First-in-market scar due to accident cover
  • Annual 5% increase in cover
  • Global assistance
  • Double daily hospital income for intensive care unit confinement
  • Optional additional accidental medical expenses
Important Notes
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Important Notes
  • The insurance plan is provided and underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability) (“FWD Life”). Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”), a wholly owned subsidiary of HKT Limited (HKT Limited is a company incorporated in the Cayman Islands with limited liability). HKTIA, being registered with the Insurance Authority of Hong Kong (“IA”) as a licensed insurance agency (Licensed Insurance Agency Licence No.: FA2474), acts as an appointed licensed insurance agency for FWD Life to distribute and arrange a wide range of insurance products and services. 
  • The product information is provided by FWD Life. The product information does not contain the full terms and conditions of the relevant insurance plan. For full terms and conditions, details, and risk disclosures and exclusions of the relevant insurance plan, please refer to the relevant policy documents (including the policy provisions and the product brochure). Policy provisions shall prevail in case of inconsistency. 
  • Please read the related product brochure, policy provisions, Personal Information Collection Statement of FWD Life and Personal Information Collection Statement of HKTIA before purchasing the insurance product. For enquiries relating to the insurance product, please contact Club Care Customer Service Hotline at 8209 0098. 
  • The premiums of the insurance product will be payable to FWD Life, (or through HKTIA on behalf of FWD Life in respect of online applications made on Club Care’s website (where applicable), and HKTIA will receive commission from FWD Life for acting as an appointed licensed insurance agency for FWD Life. 
  • The insurance product is intended to be offered in Hong Kong only. The information on Club Care’s website are not intended to be used by persons located or resident outside of Hong Kong. The information on Club Care’s website shall not be construed as an offer to sell or a solicitation of an offer or recommendation to purchase or sell or provision of any insurance products by FWD Life or HKTIA outside Hong Kong. All selling and application procedures must be conducted and completed in Hong Kong. 
  • Under the Insurance Ordinance (Cap. 41), the IA has started to collect the levy on insurance premiums from policyholders through insurance companies from January 1, 2018. For more details, please refer to the IA’s official website at ia.org.hk/en/levy. 
  • HKTIA's role is limited to the distribution and arrangement of the insurance products of FWD Life only and HKTIA shall not be responsible for any matters in relation to the provision of the insurance products. 
  • Insurance products are products and obligations of FWD Life and not of HKTIA. 
  • Any dispute over the contractual terms of insurance products should be resolved directly between you and FWD Life. 
  • All insurance applications are subject to FWD Life’s underwriting and acceptance. 
  • FWD Life is solely responsible for all features, policy approvals, coverage, account maintenance and benefit payment in connection with the insurance product. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary. 
  • In case of any inconsistency between the English and Chinese versions, the English version shall prevail.
Contact Us
Product Brochure
"Spend for Daily Protection" Personal Accident Insurance
  • Accidental Death & Accidental Permanent Disablement cover up to HK$200,000

 <Applicable to designated Tap & Go Pro Customer>
Important Notes
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Important Notes
  • The "Spend for Daily Protection" personal accident insurance (the “Policy”) is underwritten by MSIG Insurance (Hong Kong) Limited (“MSIG”), distributed and arranged by Club Care. Club Care is a service brand operated by HKT Financial Services (IA) Limited (“HKTIA”). HKTIA, being registered licensed insurance agency under the Insurance Authority of Hong Kong (“IA”) (Licensed Insurance Agency License No.: FA2474) also acts as an appointed licensed insurance agent for MSIG. HKTIA acts as the insurance intermediary to distribute and arrange for the Policy and provide related services. Club Care/HKTIA 's role is limited to arranging certain insurance policies of MSIG (including the Policy) and Club Care/HKTIA shall not be responsible for any matters in relation to the provision of such insurance products (including the Policy). The Policy is a product and obligations of MSIG and not of Club Care/HKTIA. 
  • Any information in respect of the Policy given herein is subject to the policy provisions of the Policy (“Policy Provisions”) and the related terms and conditions. In the event of any inconsistencies between the Policy Provisions and the information provided herein, the Policy Provisions shall prevail . Please refer to the "Safeguard for Tomorrow’s Protection" personal accident insurance policy provisions for the terms and conditions, details and exclusions of the Policy. For enquiries relating to the insurance product, please contact HKTIA Customer Service Hotline at 8209 0098. 
  • All information and insurance regulated activities (as defined in the Insurance Ordinance (Cap. 41)) are carried out solely by HKTIA in its capacity as licensed insurance agency. 
  • All insurance applications are subject to MSIG’s underwriting and acceptance. 
  • MSIG is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products. 
  • HKTIA will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances. 
  • You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
Know More
Policy Provisions
Contact Us

We are always here to serve you. For all enquiries and feedback related to insurance, please contact us through the channels below:

Customer Service Hotline: 8209 0098
Mon – Fri 9:00 am – 6:00 pm (except public holidays)

Email:
cs.clubcare@pccw.com

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Important Notes


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