Greater Bay Area Personal Accident Protection


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.

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

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.

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

#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

Core Benefit Basic Plan Premier Plan Prestige Plan
Max. Coverage (HK$)
Cover 1 - Accidental Death & Disablement Coverage $600,000 $800,000 $1,000,000
Cover 2 - Accidental Medical Expenses (Per Accident) $9,000 $12,000 $15,000
Optional Cover - Double Protection for Accidental Death / Disablement in Greater Bay Area $600,000 $800,000 $1,000,000

Plan Coverage

Personal Accident Cover - Accidental Death & Disablement Benefit



1. Death


2. Permanent Total Disablement


3. Permanent and Incurable Paralysis of all Limbs


4. Permanent Total Loss of Sight of both Eyes


5. Permanent Total Loss of Sight of one Eye


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


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


8. Loss of Speech and Hearing


9. Permanent and Incurable Insanity


10. Permanent Total Loss of Hearing in


(a) Both Ears


(b) One Ear


11. Loss of Speech


12. Permanent Total Loss of the Lens of one Eye


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


(a) Right Hand


(b) Left Hand


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


(a) Right Hand


(b) Left Hand


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


(a) Both Right Joints


(b) One Right Joints


(c) Both Left Joints


(d) One Left Joint


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


(a) Three Right Joints


(b) Two Right Joints


(c) one Left Joint


(d) Three Left Joints


(e) Two Left Joints


(f) One Left Joint


Loss of the Permanent Total Loss of use of Toes


(a) All – one Foot


(b) Great – both Joints


(c) Great – Joint


18. Fractured Leg or Patella with established non-union


19. Shortening of Leg by at least 5cm


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.


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.

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:


  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 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.

Next Step



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).

Contact Us

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Personal Accident Insurance Hotline

3666 7018

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