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.
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.
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.
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
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.
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.
✔ 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
✔ 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
*This is for reference only. For details of coverage, terms, conditions and exclusions, please refer to the policy wording.
1. Provide information
Provide you / your family basic information
2.Select the preferred plan
Customize your plan coverage (Personal accident/ Hospital income coverage / Critical illness coverage / Senior care plan)
3.Enter personal details
Fill your personal information
4.Payment & confirmation
Make your payment online, and the system will issue a confirmation when the policy is successfully issued
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:
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.
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).