Guard

AIG Guard Insurance protects you in the Cyber world and the Real world, guarding your E-purchases, Identity, Credit card, E-wallet, and more.

*Newly added cover for E-wallet*
which includes HKSAR Consumption Vouchers

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Buy AIG Guard Insurance now to receive AIG Guard Protection Pack^ which includes:

  • 1 x Mobile Phone Armband (Exclusive to Platinum Plan customers only. Picture is for illustration purpose only, mobile phone is not included) – to protect your mobile device while keeping yourself in good health and shape.
  • 2 x Stylish A5 folder – to protect your important documents.
  • 2 x Reusable Touch Screen Wipe – to keep your mobile phone screen clean and clear.
  • 2 x RFID Blocker – to shield your HKID card, credit card, octopus card etc away from electronic theft.

^The offer is valid until 31th December 2024.  While stock lasts.  The Pack will be mailed to policyholders at their postal address.

Guard Insurance Benefits

*Newly added cover for E-wallet which includes HKSAR Consumption Vouchers*

The Cyber world has become a critical part of our daily life, have you ever had a moment of doubt towards the Cyber world like described below?

  • "Online shopping is so convenient, but i do worry if after payment, the goods do not arrive or are damaged."

  • “I enjoy participating in digital social media activities a lot, but at the same time I do worry if my identity is stolen causing losses to me."

  • "Though I have been used to electronic payments with credit card and E-Wallet, I still worry that I will be held responsible for the fraudulent charges due to unauthorized transactions."

If you have, do not worry, AIG Guard Insurance protects you in the Cyber world and the Real world, guarding your E-purchases, Identity, Credit card, E-wallet, and more.

 

 

【E-Purchase Protection】Reimburse you for non-delivery / incomplete delivery / improper functioning of your E-Purchases up to $30,000
【Identity Theft Protection】Reimburse you for Legal / Lost Wages / Payment obligations / other expenses up to $50,000
【Fraudulent Charges Protection】Reimburse you for unauthorized charges made on your bank / credit card account / E-wallet up to $10,000
【Wallet Guard Protection】Cover you to replace your lost physical wallet / personal papers / cards up to $5,000
【Key Replacement Protection】Cover you to replace your lost keys of your home / vehicle up to $3,800

Flexible plans, starting from $188 only

  • Flexible plan options at your choice: Cyber Plan, Gold Plan and Platinum Plan.
  • Affordable premium for great protection, as low as $0.5 per day!
  • Easy to apply online and get insured instantly, no paper application form is needed!
  • Newly added cover for E-wallet which includes HKSAR Consumption Vouchers

*For full wording in brochure - This is highlights only!. Please refer to the policy documents for detailed terms and conditions and exclusions. 

Plan Benefits

 

 

Gold Plan

Cyber Plan

Platinum Plan    
Coverage Maximum Limit Per Policy Year (HK$)  

1. E-Purchase Protection

a) Reimburse you for non-delivery and/or incomplete delivery of Goods and shipping charges that are purchased on the internet
b) Reimburse you for improper functioning of Goods due to damage of delivered Goods as a result of physical damage


*The Goods must have a value of at least HK$300 (including tax but excluding delivery/ transportation costs)

 $10,000
(Limit per event:
$1,000 / Excess per event:
$100 for each and every claim)  		 $20,000
(Limit per event: $5,000/ Excess per event: $500
 for each and every claim)		 $30,000
(Limit per event:$6,000 /
Excess per event: 10% of the
Goods' purchase price or $300,
whichever is higher for each and every claim)

2. Identity Theft Protection

Coverage for:
1) legal expenses
2) Lost Wages
3) payment obligations and
4) miscellaneous expenses (such as the cost of re-filing applications for credit accounts and/or banking accounts and notarization of documents relating to your identity theft)

*Require police report for claims

$20,000
(Limit per event:$10,000 / Lost wage limit:$3,000)

$30,000
(Limit per event:$15,000/
Lost wage limit:$5,000)

 $50,000
(Limit per event:$25,000 /
Lost wage limit:$7,500)           

3. Fraudulent Charges Protection

Reimburse you for unauthorized charges made on your bank account / credit card account / E-wallet, for which you are responsible.

*Newly added cover for E-wallet which includes HKSAR Consumption Vouchers*
*Require police report for claims

 $3,000

$10,000
(Limit per event $5,000) 

 $5,000 

4. Wallet Guard Protection

Pay for the replacement cost for your wallet if your wallet is either lost or stolen as well as pay for the application fees for new personal documents (e.g. HKID card, driving license) and/or payment cards if they are in your wallet when it was either lost or stolen

*Require police report for claims

 $2,500
(Lost wallet limit: $1,000,
One claim per policy year)		 / $5,000
(Lost wallet limit :$2,000,
One claim per policy year)

5. Key Replacement Protection

We will pay for the costs of:
1)  Replacing keys of your home/vehicle if the keys are stolen or lost
2)  Replacing locks and keys if break-in happens
3)  Engaging a locksmith to gain access to your home or vehicle due to the loss or theft of key

 $1,000
(Excess per event 10%,
One claim per policy year)		 /

$3,800
(Excess per event 10%,
One claim per policy year)

In the event of any discrepancy between the English and Chinese version, the English version shall prevail. 

#For full wording in brochure - This is highlights only. Please refer to the policy documents for detailed terms and conditions and exclusions. 

Compare Cyber Plan and Gold / Platinum Plans

Cyber Plan

3 major cyber protections enhanced with higher limits, for those who are more engaged in cyber activities and aware of personal cyber risks.

  • E-Purchase Protection up to $20,000
  • Identity Theft Protection up to $30,000
  • Fraudulent Charges Protection up to $10,000
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vs

Gold / Platinum Plan

For those who are aware of personal risks in both the Cyber world and the Real world.

  • E-Purchase Protection up to 10,000 / $30,000
  • Identity Theft Protection up to $20,000 / $50,000
  • Fraudulent Charges Protection up to $3,000 / $5,000
  • Wallet Guard Protection and Key Replacement Protection (Included)
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How to buy Guard Insurance?

Clients can get a quote , choose and purchase Guard insurance plan in real time with the best rates.

1

  Select your plan

Choose your preferred plan

2

  Provide insured information

Enter details about applicant / insured person

3

  Provide payment

Confirm details & Make payment using your preferred payment method

4

  Payment & Confirmation

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

Quote Now

Contact Us

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AIG’s 24/7 Chatbot is here to help

 

Guard Insurance Hotline

3666 7062

 

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