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Personal Accident & Health Insurance claims - Just 3 minutes to know how to report a claim

We understand you are in urgent for getting help !
Please spend few minutes & follow below simple steps to submit claim to AIG for getting the shortest processing time.

#This note is for your guidance only and does not vary the terms of the Policy or form part thereof. 

 


Submission Timeline:

In the event of any occurrence which may give rise to a claim under this Policy, written notice of claim must be given to us within thirty (30) days after the occurrence, together with all relevant documents. If you are unsure, you should still notify us of the occurrence.

 
 
 

Step1 - Prepare required documents to expedite the claim handling process

The documents listed below are not exhaustive and we may request from you any additional information/documentation, as necessary. The submission of an incomplete form or insufficient information or supporting documents may delay the processing or result in the denial of your claim. 

By preparing required documents, our team can proceed your claim without additional processing time due to insufficient information / support documents.

Please select the type of claim below, and we will let you know what documents are required for your submission.

1. Complete the following relevant sections in the claim form:

- Section I and IV are compulsory
- Section II is required for accidental medical expenses, accidental death or permanent disability

2. Police report, if applicable

3. Documentary proof certifying the insured is suffering from permanent disability (applicable for permanent disability claim)

4. Copy of Death Certificate indicating the cause of death (applicable for death claim)

5. Grant of Probate / Letters of Administration

1. Complete the following relevant sections in the claim form:

- Section I and IV are compulsory
- Section II is required for accidental medical expenses, accidental death or permanent disabilityv

2. Original medical receipts with DIAGNOSIS

3. If the medical expenses were claimed from another insurer or organization, please also provide their claim statement

1.Complete the following relevant sections in the claim form:

- Section I and IV are compulsory
- Section III, to be completed by the treating doctor, is required for hospital income, hospitalization benefit and critical illness benefit

2. Original payment receipt of the hospital expenses with breakdown 

3. Hospital Discharge Summary/Slip

4. Discharge Slip / Discharge Summary (Applicable to HK government hospital) 

1.Complete the following relevant sections in the claim form:

- Section I and IV are compulsory
- Section III, to be completed by the treating doctor, is required for hospital income, hospitalization benefit and critical illness benefit

2.  All relevant medical and examination report regarding the claimed Critical Illness

Tips: Ways to submit supporting documents

  • Email to claims.hk@aig.com
  • Mail to 7/F, One Island East, 18 Westlands Rd, Quarry Bay, Hong Kong
 
 

Step2 - Submit Claims in 30 Days

Completed claim form, along with all relevant supporting documents, can be submitted to our Claims Department by mail or in person. It can also be submitted by fax or Email to claims.hk@aig.com for those documents that an original is not required. To download the claim form, please click here.

 
 

Step3 - Review & Settlement*

Upon your claim submission, you will receive an acknowledgment SMS and/or email within 2 working days for your first claim submission.

At the same time, your claim will be processed. The length of time that it takes to settle a claim will depend on the nature of the exposure and its complexity. A straight-forward accidental medical expenses claim might be settled in a very short period of time. You can be assured that our claims adjuster will help you throughout the entire process.

Available Payment Method

  • Faster Payment System (FPS)*
  • Direct credit to Hong Kong Bank Account (HKD account only)

*Faster Payment System (FPS) is only applicable for claims payment amount under HKD5,000

 
 

Got Some Questions? Read our FAQs now

We will process your claim in such way that the most effective outcome is achieved. If any clarifications or follow up is needed, our claims handler will contact you as soon as possible. Every claim will be assessed on its own merit in accordance with the relevant policy terms and conditions.

If you do not submit all the required supporting documents, the processing of your claim may be delayed because additional time is required to obtain the requisite documentation ourselves. In some situations, if you are unable to provide the required documents, we may be unable to complete the processing of your claim.

You can send the supporting documents to us by post, Email or Fax. To facilitate our prompt handling, please write down our claim reference number on the top of the first page of your submitted documents.

Generally speaking, original receipts and supporting documents are required in order to process Personal Accident and Travel claims. However, this also depends on the nature of the claim and type of the receipt.

Please indicate on the claim form you submit that you are requesting the return of your original receipts. We will return the certified true copy of original receipts to you once the assessment of your claim is complete. 

If, for any reason, the hospital does not supply the requisite information for the claim form, you may leave Section 1B blank and attach a full hospital discharge summary for our assessment. After reviewing your claim, we will determine if completion of Section1B is necessary to complete the processing of your claim. Please note that there is likely to be a delay in the processing of your claim.

Downloads

Remarks:

- This note is for your guidance only and does not vary the terms of the Policy or form part thereof. AIG reserves the right to amend these requirements or seek additional information to support each claim.

- HKFI Insurance Fraud Prevention Claims Database (IFPCD) details

 
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