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Accidents happen around the world, it is becoming increasingly unpredictable. There is a need to provide safety net for your organization as well as your employees should an unfortunate event occurs. AIG offers a comprehensive 24 hours Personal Accident and Business Travel Insurance – GPS bring you free of worry and peace of mind while running on your business. JUST an affordable and simple plan.

A simplified version of 2 in 1 set plan - combined Group Personal Accident and Travel Insurance policy that is designed to fit for small to mid-size enterprise at reasonable cost.

Assistance always on hand

AIG Travel utilises an integrated regional model, consisting of assistance service centres spread throughout the world, to provide an array of assistance offerings to corporate and individual customers. These services range from emergency medical and travel aid to personal care services.  Our global assistance model enables us to offer customer support, including medical advice from our doctors and nurses, on a 24/7 basis in 26 different languages (many more available through real-time translation services). In addition our relationships with thousands of medical providers afford customers access to medical care in all of their travel destinations.


1. Group Size: 5-150 employees

2. Age Limit: Aged 18-69 (up to aged 75 for CEO), and renewable up to aged 70 (up to aged 76 for CEO)

3. Risk Occupation: Accept Class 1, 2 & 3 **

4. Occupation Class Distribution: Class 1 & 2 - 80%, Class 3 - 20%

5. All insured persons are under Hong Kong employment contract

6. Aggregate Limit: Policy is subject to maximum 40% of total sum insured per accident per section

7. Minimum number of insured person & minimum annual premium: 5 insured persons & HK$4,000

** Eligible Occupational Classes

Class 1: Professional, managers and executives with mostly administrative functions; secretarial and clerical staff; and not engaging in physically demanding duties.
Class 2: Supervisory or superintending duties and not engaging in manual labor; engaged in wholesale or retail trade; involved in very frequent traveling in connection with professional duties or for business.
Class 3: Skilled or semi-skilled workers engaged in craft or significant manual work, or involving the use of light machinery and tools; working in or frequent traveling to offshore or hazardous locations.


Coma Cover

We will pay HK$500 for each full week maximum of 50 weeks, if the insured person sustains bodily injury which directly causes or results in a continuous unconscious state

Accidental Death * & Permanent Disabilities *

A lump sum is paid in the event of loss of life and permanent disability arising from an accident

Trauma Counselling

Reimburse the cost of trauma counselling fees if the insured person witnesses and/or is the victim of a traumatic event

Rehabilitation Expenses

We will reimburse the cost incurred for rehabilitation training if the Insured Person suffer from any permanent disabilities under the table of Benefits

Premium Table

  Annual Premium (HK$)
  Basic Standard Premier

Personal Accident

Per Person $380 $560 $740

Business Travel (Per Group)

Travel for 30 trips $2,800 $4,200 $5,800
Travel for 31 to 50 trips $5,000 $7,600 $10,500
Travel for 51 to 100 trips $8,400 $12,900 $17,700
Travel for 101 to 150 trips $13,000 $19,800 $27,300

Benefits Table

Benefits Details Maximum Sum Insured Per Person (HK$)
Basic Standard Premier
Accidental Death * $1,000,000 $1,000,000 $1,000,000
Permanent Disabilities * (including Burns) $1,000,000 $1,000,000 $1,000,000
Bereavement Benefit 10% of Accidental Death limit up to maximum $100,000
Severe Injury Benefit 10% of Permanent Disabilities limit up to maximum $100,000
Trauma Counselling Benefit $1,500/visit/day/up to maximum $15,000
Rehabilitation Expenses Maximum up to $12,500 per year
Home Renovation Benefits Maximum up to $12,500 per year
Coma Benefit ($500/week) Maximum up to $25,000 per year

Benefits Details Maximum Sum Insured Per Person (HK$)
Basic Standard Premier
Medical Expenses and Emergency Travel Expenses $500,000 $800,000 $1,000,000

a. Medical Expenses

Follow-up medical expenses: 60 days after returning to HK

- up to 100% of the unused portion Sum Insured and maximum

of $500,000

- sub-limit for Chinese Physician/Chiropractors ($250/visit/day

up to maximum $4,000)

b. Emergency Evacuation and Repatriation Expenses

Actual Cost
Hospital Confinement $10,000 $20,000 $30,000
Hospital Visitation $10,000 $20,000 $30,000
Travel Assistance Included
China Assist card ^ Optional - $50/card

Benefits Details Maximum Sum Insured Per Person (HK$)
Basic Standard Premier
Personal Property $12,000 $14,000 $24,000
   - sub-limit per item/pair/set $4,000 $4,000 $4,000
   - sub-limit of sport equipment $5,000 $5,000 $5,000
   - sub-limit of lap top computer $10,000 $10,000 $10,000
Baggage Delay (HK$1,000 for each full 6 hours)  $4,000 $4,000 $4,000
Benefits Details Maximum Sum Insured Per Person (HK$)
Basic Standard Premier
Loss of Money   $13,000 $17,000 $28,000
   - sub-limit for cash $3,000 $4,000 $6,000
Credit Card Indemnity   $20,000 $20,000 $20,000
Benefits Details Maximum Sum Insured Per Person (HK$)
Basic Standard Premier
Cancellation   $10,000 $20,000 $30,000
Curtailment   $10,000 $20,000 $30,000
Replacement   $10,000 $20,000 $30,000
Travel Disruption   $10,000 $16,000 $26,000

Employment Disruption

$10,000 $20,000 $30,000
Travel Delay (HK$1,000 for each full 6 hours)   $4,000 $4,000 $4,000
Benefits Details Maximum Sum Insured Per Person (HK$)
Basic Standard Premier
Hijack ($1,000 for each full 6 hours) $40,000 $40,000 $40,000
Kidnap ($4,000 for each full 24 hours) $100,000 $100,000 $100,000
Legal Expenses $100,000 $100,000 $100,000
Bail Bond $100,000 $100,000 $100,000
Personal Liability $10,000,000 $10,000,000 $10,000,000


* 10 x basic annual salary to a maximum sum insured of the stated amount of each plan. The maximum sum insured for each insured person

under Group Personal Accident and Corporate Business Travel with AIG shall not exceed with 10 x basic annual salary.

^ If China Assist card is required, please provide the full name list.

This is a summary of coverage. Please refer to the Policy for exact policy coverage, terms and conditions and exclusions. Should there be any

discrepancy between the English and the Chinese versions of this brochure, the English version shall apply and prevail. A copy of the policy is

available from AIG Insurance Hong Kong Limited.