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SafeGuard Critical Illness Cover

The sad truth is no matter your age or whether you are healthy or not, serious illness can strike at any time during your life. Did you know that the leading cause of death in Hong Kong in 2017 was cancer? (Malignant Neoplasms)*

No one ever expects an illness but if it happens would you be able to financially support your medical expenses and other expenses for yourself and loved one? Our protection is here to give you financial support when you most need it.

*Source from Centre for Health Protection

Cover beyond cancer

We also cover common critical illnesses such as heart disease, stroke, kidney failure, and many more.

Cash payout

Up to HK$300,000 cash payout upon first diagnosis

*This information is for reference only. For the full benefit table, please refer to our policy wording or click Buy Now.

 
 
 
 

Coverage Details

(Eligible for aged 18 - 40)

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  Benefit Max. Coverage (HK$)

Critical Illness (Eligible for aged 26 - 35)

$300,000

Critical Illness (Eligible for aged 18 - 25, 36 - 40)

$200,000

List of covered critical illnesses

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table
  47 critical illnesses includes

1. Stroke

17. Loss of Speech

33. Chrohn’s Disease

2. Major Cancer

18. Coma

34. Acute Necrotizing Pancreatitis

3. Heart Attack

19. Major Burns

35. Terminal Illness

4. Other Serious Coronary Artery Disease

20. Multiple Sclerosis

36. Loss of Independent Existence

5. Coronary Artery By-pass Surgery

21. Paralysis (Loss of use of Limbs)

37. Elephantiasis

6. Heart Valve Surgery

22. Poliomyelitis

38. AIDS due to Blood Transfusion

7. Fulminant Hepatitis

23. Muscular Dystrophy

39. Occupational Acquired HIV

8. End Stage Liver Failure

24. Alzheimer’s Disease / Severe Dementia

40. Severe Rheumatoid Arthritis

9. Primary Pulmonary Hypertension

25. Motor Neurone Disease 

41. Medillary Cyctic Disease

10. End-stage Lung Disease

26. Parkinson’s Disease

42. Cardiomyopathy

11. Kidney Failure

27. Encephalitis

43. Ebola

12. Surgery to Aorta

28. Benign Brain Tumour

44. Creutzfeld-Jacob Disease

13. Aplastic Anaemia

29. Major Head Trauma

45. Angioplasty and Other Invasive Treatments for Coronary Artery*

14. Major Organ / Bone Marrow Transplantation

30. Bacterial Meningitis

46. Severe Acute Respiratory Syndrome (SARS)**

15. Blindness (Loss of Sight)

31. Apallic Syndrome

47. Cerebral Aneurysm Requiring Surgery***

16. Deafness (Loss of Hearing)

32. Systemic Lupus Erythematosus (SLE) caused by Lupus Nephritis

 

*Only 10% of the sum assured will be paid subject to the amount selected.  This Critical Illness will be terminated upon such payment and the amount of subsequent Critical Illness Benefit will then be reduced.

**Only 10% of the sum assured or maximum HK$20,000 will be paid subject to whichever is lower.  This Critical Illness will be terminated upon such payment and the amount of subsequent Critical Illness Benefit will then be reduced.

***Only 40% of the sum assured will be paid subject to the amount selected.  This Critical Illness will be terminated upon such payment and the amount of subsequent Critical Illness Benefit will then be reduced.

 

 
 
 
 

Talk to our consultant to discover more!

 
 

View our covers

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  • Daily Hospital Income Cover
    Daily hospital cash benefit up to 365 days when hospitalized Double up your daily hospital cash if you're confined to an intensive care unit Extra long-term hospitalization benefit from the 31st day of hospitalization
    View Details >
 
 

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Easy to claim

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

  • Get a quote
    1

    Fill the claim form

  • Get a quote
    2

    Prepare required supporting documents / proof

  • Get a quote
    3

    Submit claim form and supporting documents in 30 days

  • Get a quote
    4

    Review Claims & Approval

  • Get a quote
    5

    Claims Settlement

 
 

Downloads

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).