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HKCSS VEB Promotion

From 15th October 2019 to 31st January 2020, receive HK$ 100 Supermarket voucher when you purchase any AIG Voluntary Employee Benefit Program policy.

*This promotion offer is subject to Terms & Conditions.

Optional Cover - Senior Care Protection Plan

Simply purchase Personal Accident Cover, Daily Hospital Income Cover or Critical Illness Cover to be eligible to purchase a Senior Care Protection Plan for your parents or parents-in-law.

Monthly premiums start from only HK $107.

 

Key Highlights*

Critical illness plan covers 47 critical illnesses

Accidental Death & Disablement Benefit

•  Up to HK$300,000 coverage

• A lump sum to be paid in the event of an accident causing death or a permanent disablement within 12 months of occurrence

Critical illness cover provides extra support than medical insurance

Accidental Medical Benefit

• Up to HK$20,000 coverage per policy year; HK$3,000 per accident

• 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$2,000 per accident and HK$4,000 per policy year

High compensation percentage for critical illness cover

Daily cash benefit up to HK$300

• We provide a cash benefit of up to HK$300 a day when hospitalized due to illness or accident

• Each hospital confinement is subject to 3 days waiting period and maximum payment period of 30 days

Critical illness insurance provides 3 coverage levels

Extra Benefits For Elderly

• Care Assistant Benefit

We provide an additional subsidy of up to HK$5,000 per month for hiring a household assistant should the insured encounters permanent disablement during the period of insurance

• Broken Bones Benefit

Receive a lump sum payout up to a maximum of HK$150,000 when the insured breaks his/her bones

Optional China Assist Card

With HK$29 premium per month, you will be able to enjoy AIG’s support while travelling in mainland China for a journey not exceeding 90 days. We provide:

• Hospital Admission Deposit Guarantee Service

• Hospitalization & Medical Expenses (Up to HK$200,000 /per policy year; HK$100,000/ per accident)

• Emergency Cash Transmission Service
• 24-hour Legal Advice Service

Renewal Age Up To 85

• Entry age is 45 - 75 and renewable up to 85
• Act now and get your loved ones protected. Benefits will be reduced by 50% for anyone who attains age of 81

*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

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Sum Insured (HK$)
  Plan A Plan B

1. Accidental Death and Disablement Benefit

$150,000 $300,000

2. Accidental Medical Expenses Benefit

HK$10,000 / policy year (HK$2,000 / accident) HK$20,000 / policy year (HK$3,000 / accident)

(a) Medical Expenses

This benefit reimburses the Insured Person for accident surgical expenses, general medical expenses, including expenses of in / out patient. This benefit reimburses the Insured Person for accident surgical expenses, general medical expenses, including expenses of in / out patient

(b) Chinese Bone-setting and Acupuncture (Not exceeding the sum insured of Accidental medical expenses)

Chinese Bonesetters and Acupuncturists with $180 / visit / day reimbursement, maximum HK$2,000 per accident and maximum HK$4,000 per policy year. Chinese Bonesetters and Acupuncturists with $180 / visit / day reimbursement, maximum HK$2,000 per accident and maximum HK$4,000 per policy year.

3. Hospital Income Benefit*

HK$200 / day HK$300 / day

4. Care Assistant Benefit

HK$2,500 / month (Max. 60 months) HK$5,000 / month (Max. 60 months)

5. Broken Bones Benefit

HK$75,000 HK$150,000

*Note:

• All benefits above will be reduced by 50% for any age over 80.

• For full table of coverage of Accidental Death and Disablement Benefit, please refer to the
table stated under HKCSS VEB Personal Accident Cover.

• Daily Hospital Income Benefit per each hospital confinement is subject to 3 days
waiting period and maximum payment period of 30 days.

• For detailed coverage list of Bone Fracture Benefit please refer to the section below.

 
 

Coverage of Broken Bones

View Coverage

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table
 
table
  Events

Fracture of Bones*

Percentage of Sum Insured

Hip or Pelvis

100%

Thigh or Heel

50%

Skull, Collarbone, Lower Leg, Ankle, Arm, Elbow, Wrist

40%

Lower Jaw

30%

Vertebrae, Shoulder Blade, Knee Cap, Sternum, Hand, Foot

20%

Upper Jaw, Cheek Bone, Nose, Ribs, Coccyx, Toes, Fingers

15%

 

* “Fracture” or “Broken Bone” means breakage of a bone completely.

        

         

 
 
 
 

You might also be interested in

  • 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
    View Details >
  • 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*
    View Details >

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

 
 
 
 

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:

  • Get a quote
    1

    Fill the claim form

  • Get a quote
    2

    Prepare required supporting documents / proof

  • Get a quote
    3

    Submit claim form and supporting documents in 30 days

  • Get a quote
    4

    Review Claims & Approval

  • Get a quote
    5

    Claims Settlement

 
 

FAQ

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.

 
 

Downloads

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).

 
 

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