Having a family means you undertake a great amount of responsibility, you make a promise that you will protect and support.
You need to be sure you are protected should you have an accident or fall ill. With AIG's personal accident insurance plans you can be sure to tailor the right amount of protection for you as your family develops and grows.
Personal Accident Protection
Cover for accidental medical expenses. In event of accidental death or disabililty, we will also provide a lump sum payout. You can use the payout to cover loss of income when an accident strikes and family income suddenly stops.
Daily Hospital Income Cover
Cover medical expenses when hospitalized due to illnesses or accidents.
Critical Illness Cover
Prepare for a loss of income, pay education fees for your children, cover the potentially large medical expenses should you get a serious illness.
Lump sum payout up to HK$1 million
Our plans provide up to HK$1 million coverage for accidental death, disability and dismemberment.
The payout allows you and your family to cover loss of income, mortgage, rent, medical expenses or other financial needs.
Support single parent families
We provide family plans which cover single parents. Safeguard your family with our trustworthy protection.
Cover for accidental medical expenses
✔ Up to HK$15,000 coverage
✔ Reimburse outpatient, specialists, hospitalization expenses, surgical expenses, Chinese bone-setting and acupuncture expenses
✔ Purchase personal accident insurance and you can add on optional benefits including Daily Hospital Income Cover and Critical Illness Cover for just a small amount extra.
✔ This flexible insurance plan allows you to choose a combination that works best for you
Protect your family against the financial burden and loss of income caused by unexpected and serious illness.
Worrying about the massive expense and insecure future that an accident may bring?
These products will ease your concerns.
Kids can be accident prone and at the same time vulnerable. Get protection with our personal accident plan and daily hospital income cover: we help you pay towards better medical care for your little angels.
✔ Add-on this cover from as little as HK$21 extra premium per month
✔ Daily hospital cash benefit up to 365 days when hospitalized
✔ Double up daily hospital cash if confined to intensive care unit
✔ Extra long-term hospitalization benefit from the 31st day of hospitalization
*This is for reference only. For details of coverage, terms, conditions and exclusions, please refer to the policy wording.
Anyone aged between 18 – 55 is eligible to purchase.
Personal Accident Insurance provides a lump sum cash payment if you suffer an accident that leads to death, disability or dismemberment. The compensation can be used at your choice to pay for your treatments, provide financial support during recovery, or help your family. This product also provides accidental medical expenses benefit which reimburses you for the injury sustained through an accident.
You can choose to have the core cover, Personal Accident Cover, only or make it a comprehensive protection by adding extra covers such as Daily Hospital Income Cover and Critical Illness Cover.
For each cover, you also get to decide the coverage level. It’s entirely up to your choice to select the amount of coverage you need.
You will not be covered under this insurance if your job or the nature of your job is one of the following excluded classes: blaster, jockey, detective, stuntman, stevedore, fisherman, driver (cross-border between Hong Kong and Mainland China), test pilot, circus trainer, aerial worker, caisson worker, lift technician, building wrecker, driller-underground, wild animal trainer, secret service agent, container crane operator, construction site worker, dynamite/explosive operator and government/state disciplinary forces.
IPA is a flexible and affordable insurance product. You can pay the premium monthly, instead of on a yearly basis.
Cover is provided up to the age of 65 years old.
Making a claim is easy. You only need to fill the claim form and submit it along with required documents within 30 days following an incident. We will review and settle your case as soon as we can.
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).