Please be rest assured that the anti-mask law under the Emergency Regulations Ordinance does not in any way modify the terms and conditions of insurance policies nor affect their validity. Insurance policies are commercial contracts by which the insured and insurers are bound, and the insurance policies will be honored in accordance with their terms and conditions.
Similarly, whether a loss is covered under an insurance policy will be based on the terms and conditions of the policy. As you would appreciate, the terms and conditions, including the exclusions, vary from policy to policy and the circumstances of the loss differ from case to case.
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Our insurances products are designed and backed by AIG’s customer-first service, and efficient online compensation processing. Why not listen to some of our customers experiences below...
Leo was on leisure trip to Phuket Island with his family when he developed a fever. He sought outpatient treatment at a local clinic and was prescribed some medications. Within 48 hours his fever worsened and he was sent to a local hospital. Tests revealed that he had contracted dengue and he was admitted for treatment. A hospital representative contacted AIG to check on his medical expense coverage.
We provided the hospital a guarantee of payment after a review of his medical report and cover was approved. Leo’s family members had returned as planned while he remained in the hospital for another five days. We kept him closely monitored and we issued him a new airline ticket for his return to home after he was given clearance to travel. Leo safely got home and appreciated our service.
Ryan and Venus were on holiday to U.S.A. when Ryan collapsed on the bedroom floor. He was sent to medical centre where tests indicated that Ryan had suffered a heart attack and he was admitted straight away in the intensive care. Venus called AIG travel emergency hotline for help.
We spoke to his treating doctor and learned that although Ryan had not experienced any symptom prior to the collapse, he had multiple heart and lung conditions that led to his heart attack. Even though the cause of his heart attack was undetermined, we approved cover after a thorough review with his doctor. Ryan remained in admission for two weeks and we kept him under close monitoring. We also checked in on Venus regularly to make sure she was keeping well.
After his condition had further improved, we booked him on business class accompanied by a doctor escort with oxygen on standby throughout his flight while his wife was on economy. The couple safely returned home and Ryan got further treatment at a local hospital.
Jason was on Bali Island for a diving trip when after a session, he started experiencing dizziness, pain and numbness in his arms, legs and back. He sought treatment at the local hospital and the treating doctor confirmed that Jason had decompression sickness.
AIG Travel learned that Jason needed several rounds of therapy. We approved cover after reviewing his medical report. When the hospital declined a guarantee of payment directly from us, we activated a local provider to do so. Jason stayed in hospital for a week and continued his recovery in his hotel for another three days. We arranged for his return journey on business class accompanied by a medical escort. Wheelchair service at the airports and ground ambulance transfers at both ends were arranged also. Jason safely arrived home and was to have a follow up check at a local hospital.
Nancy was on a leisure trip to Kitakyushu, Japan when she tripped and fell while on the street and injured her left foot. She sought outpatient treatment at a local clinic and x-rays showed that she had fractured her fifth toe and had to wear an ankle cast. Her friend in Hong Kong called AIG travel emergency hotline for help after receiving news of her mishap.
AIG Travel called Nancy to find out more about her condition. We also obtained her medical report and cover was approved after a review was completed. The patient was given clearance to travel a couple of days later after a follow up check and we arranged for her return on business class so that she was more comfortable. We also arranged for wheelchair and porter services at the airports, as well as ground transfers at both ends to ease her travel.
Mark and Jenny were on a trip to Vietnam when the van they were travelling in got into an accident. Both were sent to the local hospital where scans showed that Jenny had serious spinal fracture and injuries to her lung. Mark suffered from multiple skin abrasions. Jenny’s sister called the AIG for help.
AIG Travel immediately contacted Jenny. Her sister requested for us to get the couple back home asap as the family wished for the patient to receive treatment and care in HK.
We regularly checked in on the couple’s condition. After the Jenny’s condition had further stabilised, we quickly made the arrangements for her return via air ambulance after cover was approved. Jenny was accompanied by two medical escorts and her sister. We also arranged for Mark to return home on the same day via commercial airline. Jenny was admitted to the hospital in Tuen Mun for after she safely arrived back in HK.
Edward who was on a business trip to Shenzhen, China fell off his bicycle and injured his neck. He was rushed to the hospital where a MRI revealed that he sustained a severe spinal injury and his condition was critical. His travel agent called AIG for help to get him home to HK to get higher level of medical care.
We quickly got in touch with his treating doctor and learned that although the MRI had not shown any fractures it was likely that Edward had sustained spinal bone dislocation. After reviewing his condition, it was concluded that Edward required prolonged hospitalization and medical care and it would be best to get him home as soon as possible. Later the same day, after approving cover we arranged for a ground ambulance and a doctor-and-nurse escort team to bring him back home. After Edward safely arrived in Hong Kong, he was directly admitted to the hospital.
Derek and Audrey were heading to London, when Derek fainted onboard the aircraft. He was given inflight medical attention and was later transferred to a local hospital during a transit in Dubai. Venus then reached out to AIG for assistance.
We immediately got in touch with his doctor and learned that Derek might have a heart rhythm disorder. Derek needed to transfer to another hospital for further tests, so he was admitted to the second hospital.
Later we learned that further tests did not reveal abnormalities and Derek was placed in the intensive care for observation. Cover was approved after we reviewed all his medical reports and past medical history. After a check by his doctor, Derek was discharged with clearance to travel. The couple then decided to continue their travels and departed Dubai for London a day after.
Ellen, a 65-year-old lady, was in France when she slipped and fell in her hotel bathroom injuring her arm and forehead. At a local hospital, x-rays showed that she had fractured her elbow and she had to wear an arm cast. Ellen also received stitches for a deep cut on her forehead. Her travel agent contacted AIG for assistance with her return travel arrangements as the tour group had to move on to another destination.
AIG Travel spoke to her treating doctor for more information and obtained her medical report. After a review was completed, we approved cover and provided a guarantee of payment to the hospital. After Ellen recovered enough to travel, we arranged for her return to Hong Kong on business class with a non-medical escort to take care of her needs throughout her journey. Wheelchair service at the airports and ground transfers at both ends were also arranged to make her travel more comfortable.
A couple from Hong Kong was on a tour in Ho Chi Minh City, Vietnam when the 63-year-old wife, Sally, slipped and fell while trying to get off the tour bus. A travel agency representative called the ATAP global service centre for help after the tour leader informed him of the mishap.
AIG Travel later learned that a CT scan at the local hospital revealed that Sally had a compression fracture in her lower spine and she was hospitalised for observation. After we received her medical report, we reviewed and approved cover. We booked Sally on business class right after she was given clearance to travel while her husband remained in economy. Wheelchair and porter services at the airports and ground transfers at both ends were also arranged to ease their travel. The couple safely arrived back to Hong Kong and Sally was to have her follow up check at the Hong Kong Adventist Hospital.