From today to 28th February 2023, enjoy HK$50 supermarket voucher as a reward when you online purchase an AIG Critical Illness SafeGuard policy with monthly premium of HK$150 or above (per policy).

*Only applicable to customers who successfully purchase via http://www.aig.com.hk. The promotion offer is subject to terms and conditions.

AIG Critical Illness SafeGuard

Cancer diagnoses in Hong Kong have been increasing for the last decade, and so does the recovery rate. However, patients often face barriers such as long waiting times in hospitals and demanding medical expenses. For instance, specialist waiting time can be up to 3 years in Public Hospitals. On the other hand, cancer treatments can cost millions in Private Hospitals. 

Patients and their families would have to face the mental and physical challenges as well as the financial burden that comes along. 

AIG Critical Illness Insurance provides a lump-sum cash payment upon diagnosis to ease your burden so that you can focus on things that matter.

Common critical Illnesses for Female in Hong Kong

#1 Breast Cancer

It is estimated that 12 women are diagnosed with breast cancer every day.

Source: https://www.healthymatters.com.hk/breast-cancer-symptoms-and-screening-options-in-hong-kong/

#2 Uterus Cancer (Endometrial cancer)

Endometrial cancer is currently the fourth most common cancer in women.

Source: https://www.cancer-fund.org/cancer-statistics/?cat=25

#3 Ovary & Fallopian Tube Cancer

There are about more than 700 new cases every year in Hong Kong alone.

Source: https://www.chp.gov.hk/en/healthtopics/content/25/6625.html

Critical illness treatment usually takes many months, even years. We suggest that the sum insured should be able to cover 2 to 3 years of your annual income so you can focus on recovery and maintain your living standard.

Benefit item Basic Plan Standard Plan Prestige Plan
Max. Coverage (HK$)
Core Critical Illness Benefit $600,000 $800,000 $800,000
Extra Cash for Specific Major Cancers N/A $400,000 $400,000
Free Included Cover
Household Bills Protection (Monthly cash during hospitalization, up to 6 months) N/A $6,000 / month $10,000 / month
Daily Hospital Cash Benefit N/A N/A $500 / day
Extra Hospital Cash Benefit for Intensive Care Unit N/A N/A $500 / day
Optional Family Protection
Core Critical Illness Benefit (for children) $90,000 $120,000 $120,000
Juvenile Specific Illness Cover $300,000 $400,000 $400,000
Children Education Fund N/A $10,000 $15,000

 

We have all heard stories about Critical Illnesses, but they rarely concern us, not until it happens to people we love or to ourselves. The risk might be higher than you think.

Every day in Hong Kong, there are on average:
96 newly diagnosed cancer cases 1, 195 heart disease inpatient cases2  & 158 stroke cases3.

AIG Critical Illness SafeGuard Insurance provides a lump-sum cash payment up to HK$1.2 million upon diagnosis to ease your burden so that you can focus on things that matter.

Source:
1 https://www.cancer.gov.hk/en/hong_kong_cancer/overview_of_cancer_statistics_in_hong_kong.html

https://www.chp.gov.hk/en/healthtopics/content/25/57.html

https://www.chp.gov.hk/files/pdf/ncd_watch_october_2021.pdf

 

A SafeGuard covering 3 top critical illnesses, plus 44 common others

 

The 3 major critical illnesses (Cancer, Stroke and Heart attack) makes up over 80% of claims for females and over 70% for males.^

We provide a 100% payout upon diagnosis for these 3 major illnesses. 
Should you be diagnosed with a specific major cancer you will also receive an extra 50% payout.

Are you worried that you may also be diagnosed with another critical illness?

Our plan is a financial safe guard covering 44 other types of common critical illnesses such as:

  • End Stage Kidney Failure
  • Coronary Artery By-pass Surgery
  • End Stage Liver Failure
  • Parkinson's Disease and etc. 

 

^Source: 'Gen Re’s Dread Disease Survey', https://www.genre.com/knowledge/publications/ri19-6-en.html 

Product Highlights

No body check needed
Up to HKD800K compensation upon diagnosis of critical illness
Up to HKD400K extra compensation for Specific Major Cancers in female (Includes Breast Cancer, Colorectal Cancer, Uterus Cancer, Ovary & Fallopian Tube Cancer, and Stomach Cancer)
$0 pre-payment, flexible renewal. Upgrade or cancel anytime according to your needs

Critical illness treatment usually takes many months, even years. We suggest that the sum insured should be able to cover 2 to 3 years of your annual income so you can focus on recovery and maintain your living standard.

Benefit item Basic Plan Standard Plan Prestige Plan
Max. Coverage (HK$)
Core Critical Illness Benefit $600,000 $800,000 $800,000
Extra Cash for Specific Major Cancers N/A $400,000 $400,000
Free Included Cover
Household Bills Protection (Monthly cash during hospitalization, up to 6 months) N/A $6,000 / month $10,000 / month
Daily Hospital Cash Benefit N/A N/A $500 / day
Extra Hospital Cash Benefit for Intensive Care Unit N/A N/A $500 / day
Optional Family Protection
Core Critical Illness Benefit (for children) $90,000 $120,000 $120,000
Juvenile Specific Illness Cover $300,000 $400,000 $400,000
Children Education Fund N/A $10,000 $15,000

Click to check out the list of critical illnesses covered

Your one-stop insurance solution

1

  No medical check-up required

2

  Complete online application in 5 minutes

3

  Instant approval

4

  Start your protection as soon as the next day

FAQs

Anyone aged 18 to 65 can apply AIG Critical Illness SafeGuard and renew the policy up to age 75.

Waiting period for AIG Critical Illness SafeGuard is 90 days. AIG shall not pay any claim in which any critical illness which first manifested and was diagnosed within the waiting period.

Unfortunately, CIS is not covered under AIG Critical Illness SafeGuard.

The cost of each Critical Illness SafeGuard insurance plan will vary depending on your age at application or renewal, gender, family medical history, personal medical history, etc.

The plan covers at least 47 different critical illnesses, including 3 major critical illnesses including major cancer, heart attack (of specified severity) and stroke (with permanent neurological deficit), end stage kidney failure, and 44 other common illnesses. Please refer to our full list of coverage here.

Downloads

The above is for reference only and does not form part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency. AIG Insurance Hong Kong Ltd. reserves right of final approval and decision.

(The English version shall prevail in case of inconsistency between the English and Chinese versions).

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