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Get up to HK$100 in supermarket voucher when purchasing an VEB policy of HK$200 or above in monthly premium*! Act now!

*Terms & Conditions apply.


Anyone can fall victim to accidents and illnesses.

Are you well prepared if the unexpected occurs? With personal accident insurance our protection plan can help you face the future should you have an accident or fall ill.

Product Features

  • Flexible & simple plan
  • Lump sum payment to you
  • Receive Daily Hospital Income
  • Critical Illness cover for 47 illnesses
  • Family plan available


What does Voluntary Employee Benefit Program offer?

Cover with flexible add ons

A lump sum payment should you suffer accidental death or disablement*. Plus reimbursement of medical expenses.

Need more cover!? Add on more! Simply choose what additional cover you may need. Top up with Daily Hospital Cover or Critical Illness Cover for a small amount extra to your premiums.

A little more cost for comprehensive cover for you and your family.

One-off Payment for Accidental Death or Disablement

Coverage from HK$100 a month*
Our plan provides you with a lump-sum payment for accidental death, dismemberment and permanent total disability within 12 months of an accident.

✔ Up to HK$1 million coverage
✔ Different levels of cover for you to select.

Reimbursement of medical expenses

We reimburse you for injuries sustained through an accident.

✔ Cover for outpatient, specialist, hospitalization expenses, surgical expenses
✔ We also reimburse Chinese bonesetters and acupuncturists expenses
with up to HK$1,500 per disability and HK$3,000 per policy year

Daily Hospital Income Cover

We know how worrying being hospitalized can be, for example loss of income or the expense of good medical care.

Top up your policy to include hospital income cover and we provide you with up to HK$1,000/ day coverage for each benefit including, daily hospital income benefit, intensive care unit benefit and long term hospitalization benefit. 

Critical Illness Cover

The sad truth is many of us will be diagnosed with a critical illness at some point in our lives, whatever age you are.

We cover 47 different critical illnesses that commonly occur amongst Hong Kong people including, major cancer, stroke, heart attack and kidney failure.

We provide a payment of 100% sum insured upon diagnosis of 44 of our covered critical illnesses. 

You can see our full list of coverage here.

*The above information is for reference only. For the full benefit table, please refer to our policy wording ( personal accident / daily hospital income cover / critical illness ) or click here to get a quotation.

For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.



Who is Voluntary Benefit Program for?


Under the age of 55,
We have cover to suit you for small monthly premiums.


Want to cover not only yourself but also your family? We have cover for you and your loved ones.


Who can get coverage?

Active Lifestyle


Family Focused



Learn more about our coverage

Personal Accident Cover

✔ Up to HK$1 million coverage for accidental death and disability
✔ Up to HK$15,000 coverage for accidental medical expenses
✔ Covers outpatient, specialist, hospitalization, surgical, Chinese bone-setting and acupuncturists expenses

Daily Hospital Income Cover

✔ From as little as HK$21 premium per month
✔ Daily hospital cash benefit up to 365 days when hospitalized
✔ Double up daily hospital cash if confined to intensive care unit
✔ Extra long-term hospitalization benefit from the 31st day of hospitalization

Critical Illness Cover

✔ Cover from as little as HK$16 premium per month
✔ Cover for 47 most common different critical illnesses
✔ A lump sum will be paid in event of diagnosis
✔ 100% of the sum assured will be paid on most of the critical illnesses covered*

*This is for reference only. For details of coverage, terms, conditions and exclusions, please refer to the policy wording.


How to buy?

  • Get a quote

    1. Provide information

    Provide you / your family basic information

  • Get a quote

    2.Select the preferred plan

    Customize your plan coverage (Personal accident/ Hospital income coverage / Critical illness coverage / Senior care plan)

  • Get a quote

    3.Enter personal details

    Fill your personal information

  • Get a quote

    4.Payment & confirmation

    Make your payment online, and the system will issue a confirmation when the policy is successfully issued


Easy to claim

In the event of loss, written notice of claim should be given to us within thirty (30) days after the occurrence, except death claim which where practicable requires immediate notice in writing. You could find the whole process summary at below:

  • Get a quote

    Fill the claim form

  • Get a quote

    Prepare required supporting documents / proof

  • Get a quote

    Submit claim form and supporting documents in 30 days*

  • Get a quote

    Review Claims & Approval

  • Get a quote

    Claims Settlement


Do you want to know?

Anyone aged between 18 – 55 is eligible to apply.

Voluntary Benefit Program provides a lump sum cash payment if you suffer an accident that leads to death, disability or dismemberment. The compensation can be used at your choice to pay for your treatments, provide financial support during recovery, or help your family. This product also provides accidental medical expenses benefit which reimburses you for the injury sustained through an accident.

You can choose to have the Personal Accident Cover, only or make it a comprehensive protection by adding extra covers such as Daily Hospital Income Cover and Critical Illness Cover.

For each cover, you also get to decide the coverage level. It’s entirely up to your choice to select the amount of coverage you need.

You will not be covered under this insurance if your job or the nature of your job is one of the following excluded classes: blaster, jockey, detective, stuntman, stevedore, fisherman, driver (cross-border between Hong Kong and Mainland China), test pilot, circus trainer, aerial worker, caisson worker, lift technician, building wrecker, driller-underground, wild animal trainer, secret service agent, container crane operator, construction site worker, dynamite/explosive operator and government/state disciplinary forces.

IPA is a flexible and affordable insurance product. You pay the premium monthly, instead of on a yearly basis.

Cover is provided up to the age of 65 years old.

Making a claim is easy. You only need to fill the claim form and submit it along with required documents within 30 days following an incident. We will review and settle your case as soon as we can.

We cover for 47 different serious illnesses. You can see our full list of coverage here.



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).