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*Please add spouse or kid to your family plan. You can select individual plan to get the quote if you are the only insured person

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Insured age must be between 18 to 55

The Spouse should have different gender of the PolicyHolder

SafeGuard 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 cash income plan provides additional coverage to your insurance plan, supporting you with daily cash allowance 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.

HK$500 Basic Daily Hospital Cash (Up to 365 days)
Extra HK$500 for Intensive Care (Up to 30 days)
Extra HK$300 for Long-term Hospitalization (from the 31st day of hospitalization, up to 30 days)
Cover both accidents and illnesses
Cash benefit is payable for stays in hospital resulting from an infectious disease, including COVID-19.

*This information is for reference only. For the full benefit table, please refer to our policy wording or click Buy Now.

Receive hospital cash when the unexpected happens.

With our add-on insurance plan, AIG offers a daily cash allowance that provides comprehensive support when staying in a hospital due to accidents or illness. For as little as HK$0.7 / day, you can receive a cash allowance of up to HK$1,300 / day to cover your expenses during hospitalization. 

We provide a daily cash allowance if you are hospitalized due to an infectious disease.

Hospital cash benefit is payable upon discharge. This includes stays in a local hospital for specified infectious diseases, including COVID-19.

View more covers

Personal Accident Cover

  • Up to HK$1 million coverage for accidental death and disability
  • Up to HK$15,000 coverage for accidental medical expenses
  • Covers outpatient, specialist, hospitalization, surgical, Chinese bone-setting and acupuncturists expenses


Critical Illness Cover

  • 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.

Add on hospital cash cover, enjoy your offers right away!

*This promotion offer is subject to Terms & Conditions.

Got quoestions? Contact our consultant or chatbot is here 24/7 to help



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


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).

Contact Us

Ask Abi

AIG’s 24/7 Chatbot is here to help

Personal Accident Insurance Hotline

3666 7018


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