Guard

AIG Guard Insurance protects you in the Cyber world and the Real world, guarding your E-purchases, Identity, Credit card, E-wallet, and more.

*Newly added cover for E-wallet*
which includes HKSAR Consumption Vouchers

Guard Insurance Benefits

*Newly added cover for E-wallet which includes HKSAR Consumption Vouchers*

The Cyber world has become a critical part of our daily life, have you ever had a moment of doubt towards the Cyber world like described below?

"Online shopping is so convenient, but i do worry if after payment, the goods do not arrive or are damaged."
“I enjoy participating in digital social media activities a lot, but at the same time I do worry if my identity is stolen causing losses to me."
"Though I have been used to electronic payments with credit card and E-Wallet, I still worry that I will be held responsible for the fraudulent charges due to unauthorized transactions."

If you have, do not worry, AIG Guard Insurance protects you in the Cyber world and the Real world, guarding your E-purchases, Identity, Credit card, E-wallet, and more.

【E-Purchase Protection】Reimburse you for non-delivery / incomplete delivery / improper functioning of your E-Purchases up to $30,000

【Identity Theft Protection】Reimburse you for Legal / Lost Wages / Payment obligations / other expenses up to $50,000

【Fraudulent Charges Protection】Reimburse you for unauthorized charges made on your bank / credit card account / E-wallet up to $10,000

【Wallet Guard Protection】Cover you to replace your lost physical wallet / personal papers / cards up to $5,000

【Key Replacement Protection】Cover you to replace your lost keys of your home / vehicle up to $3,800

Flexible plans, starting from $188 only

Flexible plan options at your choice: Cyber Plan, Gold Plan and Platinum Plan.
Affordable premium for great protection, as low as $0.5 per day!
Easy to apply online and get insured instantly, no paper application form is needed!
Newly added cover for E-wallet which includes HKSAR Consumption Vouchers

*For full wording in brochure - This is highlights only!. Please refer to the policy documents for detailed terms and conditions and exclusions.

Plan Benefits

	Gold Plan	Cyber Plan	Platinum Plan
Coverage	Maximum Limit Per Policy Year (HK$)
1. E-Purchase Protection a) Reimburse you for non-delivery and/or incomplete delivery of Goods and shipping charges that are purchased on the internet b) Reimburse you for improper functioning of Goods due to damage of delivered Goods as a result of physical damage • The Goods must have a value of at least HK$300 (including tax but excluding delivery/ transportation costs) • Only cover a maximum of five credit cards registered by the Insured Person at the time of application	$10,000 (Limit per event: $1,000 / Excess per event: $100 for each and every claim)	$20,000 (Limit per event: $5,000/ Excess per event: $500 for each and every claim)	$30,000 (Limit per event:$6,000 / Excess per event: 10% of the Goods' purchase price or $300, whichever is higher for each and every claim)
2. Identity Theft Protection Coverage for: 1) legal expenses 2) Lost Wages 3) payment obligations and 4) miscellaneous expenses (such as the cost of re-filing applications for credit accounts and/or banking accounts and notarization of documents relating to your identity theft) *Require police report for claims	$20,000 (Limit per event:$10,000 / Lost wage limit:$3,000)	$30,000 (Limit per event:$15,000/ Lost wage limit:$5,000)	$50,000 (Limit per event:$25,000 / Lost wage limit:$7,500)
3. Fraudulent Charges Protection Reimburse you for unauthorized charges made on your bank account / credit card account / E-wallet, for which you are responsible. Newly added cover for E-wallet which includes HKSAR Consumption Vouchers *Require police report for claims	$3,000	$10,000 (Limit per event $5,000)	$5,000
4. Wallet Guard Protection Pay for the replacement cost for your wallet if your wallet is either lost or stolen as well as pay for the application fees for new personal documents (e.g. HKID card, driving license) and/or payment cards if they are in your wallet when it was either lost or stolen *Require police report for claims	$2,500 (Lost wallet limit: $1,000, One claim per policy year)	/	$5,000 (Lost wallet limit :$2,000, One claim per policy year)
5. Key Replacement Protection We will pay for the costs of: - Replacing keys of your home/vehicle if the keys are stolen or lost - Replacing locks and keys if break-in happens - Engaging a locksmith to gain access to your home or vehicle due to the loss or theft of key	$1,000 (Excess per event 10%, One claim per policy year)	/	$3,800 (Excess per event 10%, One claim per policy year)

Note:

* For Coverage 1: Only cover a maximum of five credit cards registered by the Insured Person at the time of application
* For Coverage 4 to 5: One claim per policy year

In the event of any discrepancy between the English and Chinese version, the English version shall prevail.

#For full wording in brochure - This is highlights only. Please refer to the policy documents for detailed terms and conditions and exclusions.