Extra Benefits for the Insured under the Pandemic

Extra Benefits for the Insured under the Pandemic 

COVID-19 is spreading around the world in recent years, and the 5th wave of infections in Hong Kong has repeatedly hit new highs. Many people worry that once the infection is confirmed, not only would affect their health and work, it will also put their families at risk. Under the pandemic, is there any insurance coverage developed for the pandemic to protect yourself, your family, and even your foreign domestic helper?

COVID-19 Symptoms and Testing Methods

Coronavirus disease 2019 (COVID-19) is the disease caused by a new coronavirus called SARS-CoV-21.

Symptoms of COVID-19

Common symptoms of COVID-19 include2:

  • Fever

  • Dry cough

  • Fatigue

Other symptoms include loss of taste or smell, nasal congestion, conjunctivitis, sore throat, headache, muscle or joint pain, skin rash, nausea or vomiting, diarrhea, chills or dizziness. The severity of the disease varies among different people. Some patients may have mild symptoms, while others may have severe symptoms. People of older age or those with underlying medical problems such as high blood pressure, diabetes or cancer, are more likely to have serious conditions.

Testing of COVID-19

There are currently 2 main testing methods used to identify COVID-19:

Rapid Antigen Tests(RAT)

Rapid Antigen Tests collect nasal and nasopharyngeal swab samples or deep throat saliva samples to detect virus proteins (antigens) in respiratory specimens3. Results are usually available within 30 minutes.

At present, there are different manufacturers of rapid antigen test kits on the market for the public to purchase for self-testing. The testing procedures are quite simple. Please refer to the product manual before use.

However, during the rapid antigen test, there is a chance that the patient is infected with the virus but shows a negative result, commonly known as "false negative". Those with positive results will generally undergo a nucleic acid test to review and reconfirm the results.


RT-PCR test is a kind of nucleic acid testing that is considered the standard for diagnosing COVID-19 by detecting genetic material within the COVID-19 virus by taking samples from saliva, nasal or throat specimens. Nucleic acid testing is more accurate than antigen testing, but it takes a longer time to get results.

How to Choose the Best Insurance to Protect Yourself and Your Family under the Pandemic?

What is the Insurance Coverage if You and Your Family are Infected with a Communicable Disease, such as COVID-19?

COVID-19 is highly contagious, and even maintaining good personal hygiene doesn’t mean that you won’t be infected. Is there any insurance coverage for the pandemic if I or any of my family members are infected?

AIG SafeGuard Accident and Illness Insurance provides protection against accidental medical expenses and potential loss of income even if you are contracted and hospitalized due to infectious diseases such as COVID-19. The insurance can provide you with the daily hospital cash cover, with sum insured up to HK$1,300/day.


AIG SafeGuard Accident and Illness Insurance provides protection against accidental medical expenses and potential loss of income.

What is the Insurance coverage if Your Domestic Helper is Infected with a Communicable Disease, such as COVID-19?

COVID-19 is raging, and foreign domestic helpers are also high chance to be infected. As an employer, you have to be well prepared to cope with the situation if the domestic helper is infected and needs treatment. AIG Domestic Worker Insurance offers you a comprehensive protection plan and can provide additional protection for domestic helpers, covering the infection of communicable diseases, including COVID-19. The insurance benefits include hospitalization & surgical expenses, repatriation expenses, clinical expenses, temporary worker subsidy and replacement expenses as a result of illness arising from vaccination, or if your domestic worker is diagnosed with infectious disease including COVID-19.

What is the Protection if You are Unfortunately Infected with a Communicable Disease, such as COVID 19, during Travel?

You can never predict whether you will be infected with any communicable disease or injured during travel, which makes travel insurance essential for you and your family.

AIG TravelWise Insurance provides comprehensive protection, covering your medical costs if you have an accident or suffer illness while on holiday worldwide. No matter where you are, you don't have to worry about medical expenses caused by infectious diseases so you can enjoy your trip worry-free.

AIG provides you with a variety of personal protection plans to comprehensively cover your needs. Even if the future is full of unknowns, you can deal with it with peace of mind.

Visit our page today to learn more about AIG Insurance.

Contact Us

Ask Abi

AIG’s 24/7 Chatbot is here to help

Customer Services Hotline

3666 7017

Online Enquiry

Leave us a message