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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
    View Details >
  • 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*
    View Details >

*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 questions? 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:

  • Get a quote

    Fill the claim form

  • Get a quote

    Prepare required supporting documents / proof

  • Get a quote

    Submit claim form and supporting documents in 30 days

  • Get a quote

    Review Claims & Approval

  • Get a quote

    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).