SafeGuard Accident and Illness 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.

Online Exclusive Offer

From 1st February 2020 to 30th September 2020, receive

(i). HK$150 supermarket vouchers when you purchase AIG SafetyGuard Accident and Illness Insurance of HK$300 and above; or

(ii). HK$50 supermarket vouchers when you purchase AIG SafetyGuard Accident and Illness Insurance of HK$200 and above.*

*This promotion offer is subject to Terms & Conditions.

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

What does SafeGuard 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.

Cover for accidental medical expenses

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

Worldwide coverage

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

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

Exclusive rider for GBA – Double Cash for Accidental Death & Disablement in GBA

✔ Accidental death and permanent disablement benefit will be doubled* if the accident happens while travelling on a public transport as a fare-paying passenger within Greater Bay Area

✔ Maximum extra benefit up to HK$1 million

Click here to learn more.

*According to the coverage of selected plan

1 Plan, 3 Covers

Other Covers*

We provide Daily Hospital Income Cover and Critical Illness Cover to make your plan more comprehensive.

Daily Hospital Income Cover

  • 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


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.

Which life stage are you at?

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

Active Lifestyle


Family Focused



Anyone aged between 18 – 55 is eligible to purchase.

SafetyGuard Accident and Illness 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 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.

SafetyGuard 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.


Next Step



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


Online Enquiry 

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