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.
Daily cash benefit up to HK$1,000
We provide a cash benefit of up to HK$1,000 a day when hospitalized due to illness or accident (up to 365 days)
Extra long-term hospitalization benefit
You can receive an extra cash benefit of up to 30 days from the 31st day of hospitalization.
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)
Flexible & affordable plan
As an optional add-on to personal accident insurance, this cover provides flexibility with a choice of 3 different coverage levels.
Taking a 30-year-old adult as an example, you can get daily cash benefit of HK$1,000 from as little as HK$3.80 premium per day.**
*This is for reference only. For details of coverage, terms, conditions and exclusions, please refer to the policy wording.
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:
Anyone aged between 18 – 55 is eligible to purchase.
Personal Accident Insurance 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 can choose to have the core cover, Personal Accident Cover, only or make it a comprehensive protection by adding extra covers such as Daily Hospital Income Cover and Critical Illness Cover.
For each cover, you also get to decide the coverage level. It’s entirely up to your choice to select the amount of coverage you need.
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.
IPA is a flexible and affordable insurance product. You can pay the premium monthly, instead of on a yearly basis.
Cover is provided up to the age of 65 years old.
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.
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).