Check out the list for the critical illnesses we cover.

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.

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
Max. Coverage (HK$)
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 5 months) 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

Need any advice on SafeGuard Accident and Illness Insurance? 

Let us help you understand more. Leave your contact details here, our consultants will get back to you with the advice you need.

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


  No medical check-up required


  Complete online application in 5 minutes


  Instant approval


  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:


  Fill the claim form


  Prepare required supporting documents / proof


  Submit claim form and supporting documents in 30 days


  Review Claims & Approval


  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).

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