HKCSS VEB Personal Accident Cover


Personal Accident Cover

You cannot predict when accidents may happen but you can control the financial implications with personal accident insurance.

Protect yourself and your family against the financial strain should you suffer from an accident. Whether you are young or planning for retirement, we provide you with comprehensive coverage, including coverage for accidental death, total disablement and accidental medical expenses.

With premiums starting from HK$27 each month, get a lot of coverage for a little premium.

Key Highlights*

Accidental death and disablement benefit

Accidental Death & Disablement Benefit

✔ Up to HK$1.4 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

Accidental Medical Benefit

✔ Up to HK$21,000 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

Cover different types of accidents

Coverage for different types of accidents#

✔ Daily accidents such as sprains, household accidents, robbery, car crash, etc.
✔ Accidents arising from amateur sports, for example, diving, marathon, ball games, etc.
✔ Traffic accidents caused on public transport
✔ Natural disasters

3 levels of coverage for personal accident insurance

Flexible choice of coverage levels

✔ Want to customize your coverage? We provide 7 coverage levels from basic to supreme to suit different needs.

*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*

Coverage Compensation

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 information is for reference only. For the full benefit table, please refer to our policy wording (Personal Accident CoverageDaily Hospital Income Cover / Critical Illness ) or click Buy Now.

7 Coverage Levels Available

These Covers Might Be Perfect For You

Daily Hospital Income Cover

  • Add-on this cover from as little as HK$23 extra premium per month
  • Daily hospital cash benefit up to 365 days when hospitalized
  • Double up your daily hospital cash if you're confined to an intensive care unit
  • Extra long-term hospitalization benefit from the 31st day of hospitalization


Critical Illness Cover

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



Contact Us

Ask Abi

AIG’s 24/7 Chatbot is here to help

Personal Accident Insurance Hotline

3666 7019 



Online Enquiry

Leave us a message