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Insured age must be between 18 to 55

The Spouse should have different gender of the PolicyHolder

SafeGuard Critical Illness Cover

Check out the following list for the illnesses we provide protection in AIG SafeGuard Critical Illness Cover.

Common Critical Illness (3)

1. Major Cancer
2. Stroke with Permanent Neurological Deficit
3. Heart Attack of Specified Severity

Illnesses related to the Heart (7)

4. Other Serious Coronary Artery Disease
5. Coronary Artery By-pass Surgery
6. Open Chest Heart Valve Surgery
7. Primary Pulmonary Hypertension
8. Open Heart Surgery to Aorta
9. Cardiomyopathy
10. Angioplasty and Other Invasive Treatments for Coronary Artery*

Illnesses related to major organs and functions (6)

11. Fulminant Hepatitis
12. End Stage Liver Failure
13. End Stage Lung Disease
14. Kidney Failure
15. Major Organ / Bone Marrow Transplantation
16. Systemic Lupus Erythematosus with Lupus Nephritis 

Illnesses related to the Nervous System (13)

17. Coma
18. Multiple Sclerosis
19. Poliomyelitis
20. Muscular Dystrophy
21. Alzheimer’s Disease / Severe Dementia
22. Motor Neurone Disease
23. Idiopathic Parkinson's Disease
24. Severe Encephalitis
25. Benign Brain Tumour
26. Major Head Trauma
27. Severe Bacterial Meningitis
28. Persistent Vegetative State (Apallic Syndrome) 
29. Creutzfeldt-Jacob Disease

Disabilities (6)

30. Blindness (Loss of Sight)
31. Deafness (Loss of Hearing)
32. Irreversible Loss of Speech
33. Major Burns
34. Paralysis (Irreversible Loss of Use of Limbs)
35. Loss of Independent Existence

Other Major Illnesses (12)

36. Irreversible Aplastic Anaemia
37. Chrohn’s Disease
38. Terminal Illness
39. Elephantiasis
40. HIV Due to Blood Transfusion and Occupationally Acquired HIV 
42. Progressive Scleroderma 
41. Severe Rheumatoid Arthritis
43. Medillary Cyctic Disease
44. Ebola
45. Acute Necrotizing Pancreatitis
46. Severe Acute Respiratory Syndrome (SARS) **
47. Cerebral Aneurysm Requiring Surgery ***

*Angioplasty and Other Invasive Treatments for Coronary Artery: The Company’s liability shall be limited to ten percent (10%) of the sum insured selected and the cover for this Critical Illness shall cease thereafter and the sum insured of the Critical Illness benefit will be reduced.


**Severe Acute Respiratory Syndrome (SARS): Upon first Diagnosis of SARS during the Policy Period by a Consultant, the Company shall provide the benefit up to ten percent (10%) of the sum insured selected or HK$20,000 whichever is lesser. In the event that it is subsequently found that a false Diagnosis of SARS was given, any payment made by the Company  as a result thereof shall be returned to the Company. The cover for this Critical Illness shall cease thereafter and the sum insured of the Critical Illness benefit will be reduced by the amount paid.


***Cerebral Aneurysm Requiring Surgery: The Company’s liability shall be limited to forty percent (40%) of the sum insured selected and the cover for this Critical Illness shall cease thereafter and the sum insured of the Critical Illness benefit will be reduced.

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