Hong Kong Protests: Does Medical Insurance Cover Those Injured?

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. AD MediLink does not take any political stand on current events in Hong Kong nor seeks to qualify the unrest.

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Insurance Providers  EXCLUSIONS

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 conflict or civil unrest, or you’ve intentionally put yourself at risk of injury.



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.



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.



We do not cover 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



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.



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.



38. suicide/self-inflicted injury/negligent or reckless behaviour

Cost of treatment from any suicide, attempted suicide, deliberate self-inflicted injury, negligent or reckless behaviour and/or needless self-exposure to peril, except in an attempt to save human life.



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.



Looking for health insurance with expert advice? Contact AD MediLink now at hello@admedilink.hk or +852 2606 2668 to receive a free quote. Advisors uniquely trained on the Hong Kong healthcare system will be in touch to answer all your enquiries concerning both the public and private sectors.


This article was independently written by AD MediLink 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.