Skip Navigation?
 

Greater Bay Area Personal Accident Protection

Do you frequently travel across Greater Bay Area^? AIG Greater Bay Area Personal Accident Protection is specially designed to provide extra care when you are travelling, working and living in the region.

 

^Greater Bay Area refers to Hong Kong SAR, Macao SAR, Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing in Guangdong Province.

Who is it for?

If you live in Hong Kong and work in GBA, or the other way round

Our plan provides double indemnity if you have an accident whilst travelling in GBA on public transport, such as train, high speed railway, bus, etc.

If you study in GBA

   

We protect you against daily accidents no matter if you are in Hong Kong or other regions in GBA.

Provide income for you and your family if you are unable to work

Our plans provide you with a lump sum payment to help with the financial stress an accident or serious illness may bring.

1 plan consists of 3 covers.

Key Highlights

Accidental Death & Disablement Benefit

✔ Up to HK$1 million coverage
✔ A lump sum to be paid in the event of an accident causing death, a permanent disability or disablement within 12 months of occurrence.
✔ Allows you and your family to use the payment to cover loss of income, mortgage, rent, medical expenses or other financial needs
 

 

Exclusive rider for GBA – Double Cash for Accidental Death & Disablement in GBA

✔ Accidental death and permanent disablement benefit will be doubled* if the accident happens while travelling on a public transport as a fare-paying passenger within Greater Bay Area
✔ Maximum extra benefit up to HK$1 million

 

*According to the coverage of selected plan

Accidental Medical Benefit

✔ Up to HK$15,000 coverage

✔ Reimburse outpatient, specialist, hospitalization expenses, surgical expenses, Chinese bone-setting and acupuncture expenses

✔ Chinese bone-setting and acupuncture expenses can be reimbursed up to HK$1,500 per accident and HK$3,000 per policy year subject to the maximum amounts of benefits selected.

Daily Hospital Cash Cover

Daily hospital cash benefit up to HK$1,000 when hospitalized due to illness or accident (up to 365 days)

Double the daily hospital cash if you are confined to an intensive care unit (up to 30days)

Extra long-term hospitalization benefit - you can receive an extra cash benefit of up to 30 days from the 31st day of hospitalization.

Critical Illness Cover

✔ Receive up to HK$400,000 for diagnosis of 47 critical illnesses

✔ Includes serious illnesses such as cancer, heart attacks, strokes, major organ / bone transplantation, kidney failure, major burns, paralysis and others that are commonly diagnosed among the Hong Kong population.

#For the full benefit table, please refer to our policy wordings (Personal Accident Coverage / Optional Greater Bay Area Rider / Daily Hospital Income Cover / Critical Illness Cover) or click Buy Now.

Select Your Plan

 
 
 
 

Plan Coverage

View Plan Details

Personal Accident Cover - Accidental Death & Disablement Benefit

<>

Note: The Right/Left benefits shown above will be reserved in the case of a left-handed insured person.

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

Table1
  Coverage Compensation

1. Death

M

L

100% 100%

2. Permanent Total Disablement

M

L

100% 100%

3. Permanent and Incurable Paralysis of all Limbs

M

L

100% 100%

4. Permanent Total Loss of Sight of both Eyes

M

L

100% 100%

5. Permanent Total Loss of Sight of one Eye

M

L

100%

6. Loss of or the Permanent Total Loss of use of two Limbs

M

L

100%

7. Loss of or the Permanent Total Loss of use of one Limb

M

L

100%

8. Loss of Speech and Hearing

M

L

100%

9. Permanent and Incurable Insanity

M

L

100%

10. Permanent Total Loss of Hearing in

m

l

(a) Both Ears

m

l

75%

(b) One Ear

M

L

15%

11. Loss of Speech

M

L

50%

12. Permanent Total Loss of the Lens of one Eye

M

L

50%

13. Loss of or the Permanent Total Loss of use of four Fingers and Thumb of

(a) Right Hand

M

L

70%

(b) Left Hand

M

L

50%

14. Loss of or the Permanent Total Loss of use of four Fingers of

m

l

(a) Right Hand

M

L

40%

(b) Left Hand

M

L

30%

15. Loss of or the Permanent Total Loss of use of one thumb of

M

L

(a) Both Right Joints

M

L

30%

(b) One Right Joints

M

L

15%

(c) Both Left Joints

M

L

20%

(d) One Left Joint

M

L

10%

16. Loss of the Permanent Total Loss of use of Fingers

M

L

(a) Three Right Joints

M

L

10%

(b) Two Right Joints

M

L

7.5%

(c) one Left Joint

M

L

5%

(d) Three Left Joints

M

L

7.5%

(e) Two Left Joints

M

L

5%

(f) One Left Joint

M

L

2%

Loss of the Permanent Total Loss of use of Toes

M

L

(a) All – one Foot

M

L

15%

(b) Great – both Joints

M

L

5%

(c) Great – Joint

M

L

3%

18. Fractured Leg or Patella with established non-union

M

L

10%

19. Shortening of Leg by at least 5cm

M

L

7.5%

20. Permanent Disability not otherwise provided for under Events 10 to 19 inclusive. Such percentage of the Principal Sum Insured as AIG Hong Kong shall in its absolute discretion determine and being in its opinion not inconsistent with the Compensation provided under Events 10 to 19 inclusive.

M

L

Critical Illness Cover

<>
table
  Covered illnesses include

1. Stroke

25. Motor Neurone Disease 

2. Major Cancer

26. Parkinson’s Disease

3. Heart Attack

27. Encephalitis

4. Other Serious Coronary Artery Disease

28. Benign Brain Tumour

5. Coronary Artery By-pass Surgery

29. Major Head Trauma

6. Heart Valve Surgery

30. Bacterial Meningitis

7. Fulminant Hepatitis

31. Apallic Syndrome

8. End Stage Liver Failure

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

9. Primary Pulmonary Hypertension

33. Chrohn’s Disease

10. End-stage Lung Disease

34. Acute Necrotizing Pancreatitis

11. Kidney Failure

35. Terminal Illness

12. Surgery to Aorta

36. Loss of Independent Existence

13. Aplastic Anaemia

37. Elephantiasis

14. Major Organ / Bone Marrow Transplantation

38. AIDS due to Blood Transfusion

15. Blindness (Loss of Sight)

39. Occupational Acquired HIV

16. Deafness (Loss of Hearing)

40. Severe Rheumatoid Arthritis

17. Loss of Speech

41. Medillary Cyctic Disease

18. Coma

42. Cardiomyopathy

19. Major Burns 43. Ebola
20. Multiple Sclerosis 44. Creutzfeld-Jacob Disease
21. Paralysis (Loss of use of Limbs) 45. Angioplasty and Other Invasive Treatments for Coronary Artery*
22. Poliomyelitis 46. Severe Acute Respiratory Syndrome (SARS)**
23. Muscular Dystrophy 47. Cerebral Aneurysm Requiring Surgery***
24. Alzheimer’s Disease / Severe Dementia  

 

*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.

 
 
 
 

Easy to claim

In the event of loss, written notice of claim should be given to us within thirty (30) days after the occurrence, except death claim which requires immediate notice in writing. You could find the whole process summary at 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

 
 

FAQ

Anyone aged between 18 – 55 is eligible to purchase.

Personal Accident Insurance provides a lump sum cash payment if you encounter accident and cause to death, disability and dismemberment. The compensation can be used upon your choice to pay for your treatments, provide financial support during recovery, and help your family. This product also provides accidental medical expenses benefit which reimburses you for the injury sustained through an accident.

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.

This is a flexible and affordable insurance product. You 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.

We cover for 47 different serious illnesses. You can see our full list of coverage here.

 
 

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).

 
 

Next Step