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Our Overseas Student Protection insurance provides complete coverage for students studying overseas, so they can focus on their learning experience rather worrying about the unexpected. With comprehensive cover for medical expenses, hospital visits and tuition fees, Overseas Student Protection gives you peace of mind and the confidence to pursue your educational aspirations, knowing we have got you covered. 

24/7  Worldwide 

Medical and 
Personal Accident 





Cover Medical 
Evacuation & 
Repatriation Service 
in every policy

Tuition Fee
for Study

* Coverage differs according to product & plan.


Tuition Fee reimbursement for study interruption

We will reimburse the non-refundable portion of your tuition fees which were paid in advance, in the event of study interruption due to death or Terminal Sickness of the Insured Person or death of an immediate family member.

Education Fund

We will pay unpaid Tuition Fees in the event of accidental death or Permanent Total Disablement of the parent(s) or legal guardian(s) or you.

24/7 travel emergency services support

We provide you with access to a 24-hour efficient emergency service to assist you in the event of an emergency or if you require professional medical advice.

Help for medical expenses

Our coverage eases the financial burden of unexpected medical costs, which can be significant. We cover your medical expenses up to US$100,000 if you are injured overseas in an accident or suffer illness overseas during the insured period.

Two-way hospital visits

If you need to stay in a hospital, we will reimburse the accommodation and travel ticket for 1 immediate family member (adult). We also reimburse you for the costs of your temporary return to Hong Kong due to an immediate family member's death.

Cover for personal belongings

We will pay for loss of or damage to an insured person's including baggage, clothing and personal belongings when the insured person is outside Hong Kong or away from the educational institution city in which he/she is studying.

For details, please refer to Overseas Student Protection Brochure.

Frequently Asked Questions

Any legal Hong Kong resident aged between 12 to 70, who is enrolled at a registered and accredited educational institution outside Hong Kong

(a) Please refer to the premium table in the brochure.
(b) Payment can be made cheque or credit card

The policy effective date must be same as, or earlier than the Insured Person’s Departure Date from Hong Kong

Please download and complete the application form, and send the form to our Customer Service Group by email ( or fax (2838 4180) at least 5 working days before the departure date of your journey. We will send the policy to the stated address by mail.

To make a claim, please fill out the relevant claim form from the Downloads section.

View the documents required for a travel claim.

Complete and return the claims form with the supporting documents to:

AIG Insurance Hong Kong Limited
46/F, One Island East,
18 Westlands Road,
Island East,

Hong Kong


For annual plans, please submit a copy of the passport showing the duration of the trip.

(i) All claims must be notified to us within 30 days from the date of loss.
(ii) All supporting documents proving the loss must be submitted 60 days from the date of loss.
(iii) No claim will be admissible if notified after one year from the date of loss.

You can call our emergency service team 24/7 at (852) 3516-8699