Hong Kong Protests: Does Medical Insurance Cover Those Injured?
August 17, 2021
In its 17th week of continuous unrest, Hong Kong is experiencing a deep political crisis. As the world is watching protestors and police clashing every week, there is a legitimate question to ask medical insurance providers: do you cover policyholders who get injured in protests?
The answer isn’t clear-cut. In fact the answer is highly political because it entails qualifying the protests. Do Hong Kong protests qualify as riots? Terrorism? Are they legal or illegal?
As you will read from our research below, exclusions vary greatly from one insurance provider to another. While some openly exclude any medical cover from protest-related injuries, others refuse to take a stand on current events.
It’s a sensitive matter and it is quite likely that any medical claims related to injuries sustained during protests would be assessed on a case-by-case basis. Important disclaimer: this article is informative only. Alea does not take any political stand on current events in Hong Kong nor seeks to qualify the unrest.
Insurance providers and exclusions
|Aetna Pioneer||Conflict or civil unrest if, in our reasonable opinion: |
- you’re actively participating,
- you’re a member of any armed force or security service, including personal protection,
- you’ve knowingly entered or remained in a location where there is a conflict or civil unrest, or you’ve intentionally put yourself at risk of injury.
|ALC Prima||General exclusion 33 of the policy wording states: |
Treatment directly or indirectly arising from or required as a consequence of war, invasions, acts of foreign enemy, hostilities (whether or not war is declared), civil war, rebellion, revolution, insurrection or military or usurped power, mutiny, riot, strike, martial law or state of siege or attempted overthrow of government or any acts of terrorism, unless the insured person sustains bodily injury whilst an innocent bystander.
Exclusion 31 will also apply:
Any treatment arising from or related to injuries sustained whilst engaged in a criminal, illegal or unlawful act.
|April MyHEALTH||Disability suffered while serving as a member of a police force or military unit of any country or international authority, or due to participation in war, civil war, invasion, insurrection, revolution, use of military power, usurpation of government or military power, or any known or suspected terrorist act or any illegal act.|
|AXA Global||We do not cover the treatment you need as a result of nuclear, biological or chemical contamination. |
We do not cover treatment you need as a result of your active involvement in war (declared or not), an act of a foreign enemy, invasion, civil war, riot, rebellion, insurrection, revolution, overthrow of a legally constituted government, explosions of war weapons, or any similar event.
We do not cover treatment you need because you have put yourself in needless peril, such as going to a place of unrest as an onlooker.
We do cover treatment due to a terrorist act so long as the act does not cause nuclear, biological or chemical contamination.
|Bupa Global||War, invasion, acts of a foreign enemy, hostilities (whether war has been declared or not), civil war, terrorist acts, rebellion, revolution, insurrection, civil commotion, military or usurped power, martial law, riots or the acts of any lawfully constituted authority, or army, naval or air services operations whether war has been declared or not.|
|Cigna Global||Repatriation option Exclusions: |
Where local conditions make it impossible, because of political instability or war, we may not be able to arrange evacuation or repatriation services. This policy does not guarantee that evacuation or repatriation services will always be available when requested, even if they are medically appropriate.
|Generali Choice||38. suicide/self-inflicted injury/negligent or reckless behavior |
Cost of treatment from any suicide, attempted suicide, deliberate self-inflicted injury, negligent or reckless behavior and/or needless self-exposure to peril, except in an attempt to save human life.
|Now Health||We do not pay for treatment of any condition resulting directly or indirectly from, or as a consequence of war, acts of foreign hostilities (whether or not war is declared), civil war, rebellion, revolution, insurrection or military or usurped power, mutiny, riot, strike, martial law or state of siege, or attempted overthrow of government, or any acts of terrorism, unless You are an innocent bystander. You are not covered for costs arising from taking part in any illegal act.|
An advisor will be in touch to answer all your questions!
This article was independently written by Alea and is not sponsored. It is informative only and not intended to be a substitute for professional advice and should never be relied upon for specific advice.