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AIG Critical Illness SafeGuard

When the unexpected strikes you don't want to be caught off-guard financially. AIG Critical Illness SafeGuard gives you all-round protection by providing cash benefit to help covering your daily expenses while you focus on recovery. 

  • Core Critical Illness Benefit
  • Extra Cash for Specific Major Cancers
  • Household Bills Protection
  • Daily Hospital Cash Benefit (Prestige Plan)

A SafeGuard covering 3 top critical illnesses, plus 44 common others

The 3 major critical illnesses (Cancer, Stroke and Heart attack) makes up over 80% of claims for females and over 70% for males.^

We provide a 100% payout upon diagnosis for these 3 major illnesses. Should you be diagnosed with a specific major cancer you will also receive an extra 50% payout.

Are you worried that you may also be diagnosed with another critical illness?

Our plan is a financial safe guard covering 44 other types of common critical illnesses such as End Stage Kidney Failure, Coronary Artery By-pass Surgery, End Stage Liver Failure, Parkinson's Disease and etc. 


^Source: 'Gen Re’s Dread Disease Survey', 


Critical illness insurance is here to support your daily expenses during recovery


Protect yourself with a low monthly premium

AIG Critical Illness SafeGuard is a monthly insurance plan with coverage up to HK$800,000 until the age of 65. 

Compare monthly premium and coverage below.


Select the right plan for you

Critical illness treatment usually takes many months, even years. We suggest that the sum insured should be able to cover 2 to 3 years of your annual income so you can focus on recovery and maintain your living standard.

  Benefit item Basic Plan Standard Plan Prestige Plan

Core Critical Illness Benefit

$600,000 $800,000 $800,000

Extra Cash for Specific Major Cancers

N/A $400,000 $400,000

Free Included Cover

Household Bills Protection (Monthly cash during hospitalization, up to 6 months)

(Stays at a local hospital for at least 1 month, coverage provides for 6 months max.) N/A $6,000 / month $10,000 / month

Daily Hospital Cash Benefit

N/A N/A $500 / day

Extra Hospital Cash Benefit for Intensive Care Unit

N/A N/A $500 / day

Optional Family Protection

Core Critical Illness Benefit (for children)

$90,000 $120,000 $120,000

Juvenile Specific Illness Cover

$300,000 $400,000 $400,000

Children Education Fund

N/A $10,000 $15,000
Click to check out the list of critical illnesses covered

See how Ms Ho was protected in a difficult time

The examples above are for reference only.


AIG SafeGuard Critical Illness Plan vs Regular Savings Critical Illness Plan

AIG Critical Illness SafeGuard is a much more flexible plan which allows you to be free from payment terms, saving lockups and to only pay for what you need.

Payment period

Saving component

Application method


Your one-stop insurance solution

  • Get a quote

    No medical check-up required

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    Complete online application in 5 minutes

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    Instant approval

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    Start your protection as soon as the next day


Easy to claim

In the event of loss, written notice of claim should be given to us within thirty (30) days after the date of the Diagnosis of a Critical Illness or in the event of a death claim immediately where practicable. Our claim process summary is set out below:

  • Get a quote

    Fill the claim form

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    Prepare required supporting documents / proof

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    Submit claim form and supporting documents in 30 days

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    Review Claims & Approval

  • Get a quote

    Claims Settlement



Anyone aged 18 to 65 can apply AIG Critical Illness SafeGuard and renew the policy up to age 75.

Waiting period for AIG Critical Illness SafeGuard is 90 days. AIG shall not pay any claim in which any critical illness which first manifested and was diagnosed within the waiting period.

Unfortunately, CIS is not covered under AIG Critical Illness SafeGuard.

The cost of each Critical Illness SafeGuard insurance plan will vary depending on your age at application or renewal, gender, family medical history, personal medical history, etc. 

The plan covers at least 47 different critical illnesses, including 3 major critical illnesses including major cancer, heart attack (of specified severity) and stroke (with permanent neurological deficit), end stage kidney failure, and 44 other common illnesses. Please refer to 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).