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AIG’s Voluntary Employee Benefits Program

Anyone can fall victim to accidents and illnesses.

Are you prepared if the unexpected occurs? With AIG’s Voluntary Employee Benefits Program we can help you face the future should you have an accident or fall ill.

Key Features*

  • Specially designed for HKCSS employees with 3 key covers and multiple extensions
  • Covers different types of accidents – including manual work, traffic accidents, etc.
  • Family plan available – enjoy benefits with your spouse, child(ren) and parents**
  • Affordable premiums at discounted group rates
  • Entry age of the insured and spouse from 18 to 65; Renewal till age 69 (Aged 69 or above? Please join Senior Care Protection Plan)

*This is for reference only. For details of coverage, terms, conditions and exclusions, please refer to the policy wording.

** ”Family Coverage” includes the insured, spouse, and all unmarried dependent children aged between 6 months and 21, or up to 25 for full-time student.  Our Senior Care Protection Plan can provide cover for your parents.



What does this program offer?

One-off Payment for Accidental Death or Disablement

Coverage from HK$100 a month*
Our plan provides you with a lump-sum payment for accidental death, dismemberment and permanent total disability within 12 months of an accident.

✔ Up to HK$1 million coverage
✔ Different levels of cover for you to select.

Reimbursement of medical expenses

We reimburse you for injuries sustained through an accident.

✔ Cover for outpatient, specialist, hospitalization expenses, surgical expenses
✔ We also reimburse Chinese bonesetters and acupuncturists expenses
with up to HK$1,500 per disability and HK$3,000 per policy year

Daily Hospital Income Cover

We know how worrying being hospitalized can be, for example loss of income or the expense of good medical care.

Top up your policy to include hospital income cover and we provide you with up to HK$1,250/ day coverage for each benefit including, daily hospital income benefit, intensive care unit benefit and long term hospitalization benefit. 

Critical Illness Cover 

The sad truth is many of us will be diagnosed with a critical illness at some point in our lives, whatever age you are.

We cover 47 different critical illnesses that commonly occur amongst Hong Kong people including, major cancer, stroke, heart attack and kidney failure.

We provide a payment of 100% sum insured upon diagnosis of 44 of our covered critical illnesses. 

You can see our full list of coverage here.

Optional Senior Care Protection Plan

We provide Senior Care Protection Plan specifically for HKCSS members. Simply purchase Personal Accident Cover, Daily Hospital Income Cover or Critical Illness Cover to then be eligible to purchase a Senior Care Protection Plan. Monthly premiums start from only HK$107.

*The above information is for reference only. For the full benefit table, please refer to our policy wording ( personal accident / daily hospital income cover / critical illness / critical illness - Carcinoma-in-situ (CIS) / Senior Care Plan) or click here to get a quotation.

For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.


Who can get coverage?

Active Lifestyle


Family Focused



Case Study: Case 1

Insured: Tony Lam (Anonym)
Age: 48

Tony accidentally slipped and fell. He was confined to hospital for 8 months.  Tony was diagnosed to have extradural hematoma at T12 level and received operation for decompression.  Medical report showed spinal cord injury and paraplegia. Unfortunately, Tony no longer has voluntary control of urination and bowel movement thereafter.

How we helped

Tony is not able to return to any gainful occupation as his activities of daily living require much assistance including toileting and bathing. This description fits in the definition of “Permanent Total Disablement” as stipulated in the policy. Our Personal Accident Cover provides Tony with payout benefits to help him get through this.

Total benefits paid:  HK$875,000

Case Study: Case 2

Insured: Fiona Lai (Anonym)

Age: 16

Fiona sustained traumatic unilateral facet dislocation as a result of a fall accident from trampoline.  She was admitted to Prince of Wales Hospital since then and transferred to Tai Po Hospital for rehabilitation.  According to the medical report, she suffers from tetraplegia, neurogenic shock and paradoxical breathing.  The injury was complicated and she is dependent in all daily aspects with ventilator required. Sadly, permanent disability is expected as well.

How we helped

Fiona was protected by our Personal Accident Cover and Daily Hospital Income Cover. As she was diagnosed with permanent disability, we provided her payout benefits and reimbursed her medical expenses.

On the other hand, Fiona was confined to hospital for a long period of time. Our Daily Hospital Income Cover also provided cash benefits.

Personal Accident Cover: HK$114,750 &
Daily Hospital Income Cover: HK$428,400

Case Study: Case 3

Insured: Brandon Wong (Anonym)
Age: 58


Brandon was diagnosed with cancer of rectum. As per the pathological report, the cancer was of primary malignancy and the whole body PET scan revealed early involvement of nearby lymph node.

How we helped

Brandon’s condition fits in the definition of “Major Cancer” as stipulated in the policy and therefore critical illness benefit is applicable. We provide a lump sum payout to Brandon as financial support so he can focus on recovery.

Critical Illness Cover: HK$ 100,000


Learn more about our coverage

Personal Accident Cover

✔ Up to HK$1.4 million coverage for accidental death and disability
✔ Up to HK$21,000 coverage for accidental medical expenses
✔ Covers outpatient, specialist, hospitalization, surgical, Chinese bone-setting and acupuncturists expenses

Daily Hospital Income Cover

✔ 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

Critical Illness Cover

✔ Cover for 47 different critical illnesses & optional CIS Cover
✔ A lump sum will be paid in event of diagnosis
✔ 100% of the sum assured will be paid on most of the critical illnesses covered*

*This is for reference only. For details of coverage, terms, conditions and exclusions, please refer to the policy wording.


How to buy?

  • Get a quote

    1. Provide information

    Provide you / your family basic information

  • Get a quote

    2.Select the preferred plan

    Choose the plans and add the optional coverage (Hospital income coverage / Critical illness coverage)

  • Get a quote

    3.Enter personal details

    Fill your personal information

  • Get a quote

    4.Payment & confirmation

    Make your payment online, and the system will issue a confirmation when the policy is successfully issued


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 where practicable requires immediate notice in writing. You could find the whole process summary at below:

  • Get a quote

    Fill the claim form

  • Get a quote

    Prepare required supporting documents / proof

  • Get a quote

    Submit claim form and supporting documents in 30 days*

  • Get a quote

    Review Claims & Approval

  • Get a quote

    Claims Settlement


Do you want to know?

Yes, coverage will not be affected in case of resignation and/or retirement.

Family Plan will cover you, your spouse and child(ren). Regarding the age limit, please refer to below.

Insured and spouse: Aged 18 – 65 (you can renew policy till age 69);

All unmarried and unemployed children): Aged 6 months – 21 (policy renewable till age 25 for full-time students)

No. Our plans are charged by month, which provide you comprehensive protection and also financial flexibility.



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).