Insurance
Insurance
Choosing a subtopic
- After-death arrangements
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Personal Injuries
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Injured persons
- What are personal injuries?
- When can I make a claim for personal injury?
- How to make a claim for personal injuries?
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Legal procedures involved in personal injury proceedings
- 1. Letter before Action (plaintiff) and Constructive Reply (defendant)
- 2. Writ of Summons
- 3. Statement of Claim
- 4. Statement of Damages
- 5. Defence
- 6. Certificate (fee arrangement)
- 7. Statement of Truth
- 8. Protocol for Commissioning Expert Reports
- 9. The Check List Review and Case Management Questionnaire
- 10. Case Management Conference
- 11. Pre-Trial Review
- Is there a time limit for filing a personal injury claim?
- How much could my claim be worth?
- Can I apply for Legal Aid for my personal injury claim?
- Emergency Free Legal Helpline for Tai Po Tragic Fire
- Do not engage recovery agents to handle your claims
- Families of Deceased
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Injured Employees
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Work-related injuries and the relevant compensations
- Liabilities on Compensations
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Compensation Items
- My spouse died of an accident that happened during his work. What compensation is payable to me or my family members?
- I was injured and disabled due to an accident that happened during my work. What compensation is payable to me or my family members?
- Besides the above-mentioned compensations, am I entitled to other payments (e.g. medical expenses) for my work injury?
- Report on work injuries or related accidents
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Other matters on work injuries
- What are the arrangements for paying compensation?
- If I cannot settle the work injury compensation matters with my employer amicably, then what is the time limit for bringing my case to the Court?
- If I am not satisfied with the amount of compensation granted according to the ECO, or I think that my employer has wrongfully neglected the safety measures, then can I claim more?
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Work-related injuries and the relevant compensations
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Injured persons
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Insurance
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Life Insurance
- The insured person has disappeared for several years. Can the beneficiary submit a claim for the death benefit under the relevant life insurance policy?
- Will medical reports issued by traditional Chinese medical practitioners be accepted by an insurance company when processing claims?
- If my insurance policy has lapsed and I try to "reinstate" my policy by paying the premiums again, can I submit any claims to the insurance company at this stage?
- I have taken out several life insurance policies covering the same risk (on the life of the same person), can I claim for the death benefit under ALL life insurance policies?
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Medical Insurance
- Will medical reports issued by traditional Chinese medical practitioners be accepted by an insurance company when processing claims?
- I have taken out several insurance policies covering the same risk (e.g. hospital confinement or household damage). Can I claim for the sum insured under ALL policies or just the actual expenses/losses only?
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Accident or Personal Injury Insurance
- What is the general meaning of "accidental injury"? If I was injured but did not have a visible bruise or wound, can I still submit a claim for such an injury?
- What are the general meanings of "permanent disability" and "temporary disability"? I received a lump sum from an insurance company due to a permanent disability but surprisingly recovered two years later. Can the insurance company ask me to refund part of its previous payment?
- If I have received compensation from personal injury litigation against the wrongdoer, will it be used to set off part of my claim from my insurance policy?
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Insurance against Damage or Loss of Property
- If my home and the furniture inside are damaged, will the insurance company compensate me for the full value of my property? Will the insurance company make a professional valuation or estimation before effecting payment?
- I am an owner of a flat inside a building that has coverage for third party liability. Can I escape from all liability if visitors or occupiers were injured in an accident inside the building?
- I am not satisfied with the compensation and the conduct of my agent/insurance company. Shall I settle the dispute in court, or approach other organizations? Do the courts or other organizations impose a limit on the amount of any claim in each case?
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Life Insurance
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Probate
- Preliminary issues to be considered (with or without a Will)
- What are the differences between an estate with a Will and an estate without a Will (in relation to the Grant of Representation)?
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Obtaining Grant of Probate (Death with a Will) v.s. Obtaining Grant of Letters of Administration (Death without a Will, i.e. Intestate)
- Death registration
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Searching for a Will and gaining access to the deceased's safe deposit box in a bank
- How to get access to the deceased's safe deposit box in a bank?
- When and how can the executor/administrator remove the items inside the deceased's safe deposit box at a bank?
- How to collect and to take inventory of the deceased's personal belongings if they are not kept inside the deceased's safe deposit box at the bank?
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Grant of Probate
- Eligibility
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Procedures
- Can probate be applied for if the Will is lost and there are no available copies of the Will?
- Can probate be applied for if the original Will is lost and there is only a copy of the Will?
- If a person (other than the executor) keeps the Will and refuses to give it to the executor, what can the executor do?
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Letters of Administration (in case of intestacy)
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Eligibility
- The person entitled to the Letters of Administration in priority is missing or refuses to apply for the Letters of Administration. Can another person apply for it? What does he need to do?
- My father’s cousin died without a will. He was unmarried and had no children. His siblings do not want to apply for the Letters of Administration due to their old age. Can my father or I apply for the Letters of Administration?
- Procedures
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Eligibility
- Letters of Administration (with Will annexed)
- Special Grant
- Q&A
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