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Get up to HK$100 in supermarket voucher when purchasing an Individual Personal Accident policy of HK$200 or above in monthly premium*! Act now!

*Terms & Conditions apply.

Personal Accident Insurance For Individuals

Ease the suffering when accidents strike

No one can prevent accidents from happening but we can protect ourselves financially by having a personal accident plan to help reduce the risk and burden.

 

 
 

Accidents can happen anywhere, anytime. Make sure you have the right coverage to protect you.

 
 

What does it offer?

Lump sum payout up to HK$1 million

Our plans provide up to HK$1 million coverage for accidental death, disability and dismemberment.

The payout allows you to cover loss of income, mortgage, rent, medical expenses or other financial needs.

Worldwide coverage

We know accidents happen anywhere. We provide worldwide coverage against personal accidents and injuries. You are protected regardless of where you are.

Cover for accidental medical expenses

✔ Up to HK$15,000 coverage
✔ Reimburse outpatient, specialists, hospitalization expenses, surgical expenses, Chinese bone-setting and acupuncture expenses


Coverage for different types of accidents*

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

 
 

Enhance your cover*

Want a more comprehensive coverage?
You can have these add-ons with your personal accident cover.

  • Daily Hospital Income Cover
    Add-on this cover from as little as HK$21 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$16 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.

 
 

Which life stage are you at?

Check out how personal accident insurance can help better prepare your future!

Active Lifestyle

Professionals

Family Focused

Retirement

 
 

FAQ

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.

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).