HKCSS VEB Daily Hospital Income Cover


Daily Hospital Income Cover

Being hospitalized due to an accident or illness can be a worrying and costly experience.  During hospitalization loss of income, credit card debts and daily expenses can soon mount up. This can create an extra burden on you and your family at a time when you need to focus on recovery.

Our daily hospital income plan provides you with cash benefits when hospitalized, with cover extending to stays in intensive care units or long term hospitalization.

Our policy benefits can be used to help cover either medical or daily expenses.

Key Highlights*

Daily cash benefit up to HK$1,250

We provide a cash benefit of up to HK$1,250 a day when hospitalized due to illness or accident (up to 365 days)

double payment for ICU

Double payment if you are in intensive care

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

Long-term hospitalization benefit

Extra long-term hospitalization benefit

You can receive an extra cash benefit of up to 30 days from the 31st day of hospitalization.

*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 / senior care protection plan / optional CIS cover / optional China Assist Card Service). 

Plan Coverage

You might also be interested in*

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



Critical Illness Cover

  • Add on this cover from as little as HK$24 extra premium per month
  • Covers for 47 different critical illnesses
  • 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.

Tailor your own plan!

All-round protection

Against accident and hospitalization

Safeguard for serious conditions

Easy to claim

In the event of loss, written notice of claim should be given to us within thirty (30) days of the occurrence or in the event of a death claim immediately where practicable. Our claim process summary is set out below:


  Fill the claim form


  Prepare required supporting documents / proof


  Submit claim form and supporting documents in 30 days*


  Review Claims & Approval


  Claims Settlement


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)

Optional Senior Care Protection Plan

Aged 45 – 75 (you can renew policy till age 85)

Voluntary Employee Benefit Program 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 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.

Voluntary Employee Benefit Program is a flexible and affordable insurance product. You pay the premium monthly, instead of on a yearly basis.

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.

Yes, our cover is 24-hour worldwide.


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 Steps



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