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Personal Accident Insurance Promotion

Receive up to HK$150 in supermarket vouchers!

From 1st February 2020 to 31st July 2020, receive

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

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


*This promotion offer is subject to Terms & Conditions.

AIG Individual Personal Accident Insurance

Anyone can fall victim to accidents and illnesses.

Are you well prepared if the unexpected occurs? With personal accident insurance our protection plan can help you face the future should you have an accident or fall ill.

Product Features

  • Flexible & simple plan
  • Lump sum payment to you
  • Receive Daily Hospital Income
  • Critical Illness cover for 47 illnesses
  • Family plan available

What does Personal Accident Insurance offer?

Flexible Plan

AIG Individual Personal Accident Insurance provides a lump sum payment should you suffer accidental death or disablement*. Plus reimbursement of medical expenses.

We also provide Daily Hospital Income Cover and Critical Illness Cover in this plan. 3 coverage levels are available to suit your needs.

One-off Payment for Accidental Death or Disablement

Coverage from HK$100 a month*
Our plan provides you with a lump-sum payment for accidental death, dismemberment and permanent total disability within 12 months of an accident.

✔ Up to HK$1 million coverage
✔ Different levels of cover for you to select.

Reimbursement of medical expenses

We reimburse you for injuries sustained through an accident.

✔ Cover for outpatient, specialist, hospitalization expenses, surgical expenses
✔ We also reimburse Chinese bonesetters and acupuncturists expenses
with up to HK$1,500 per disability and HK$3,000 per policy year

Daily Hospital Income Cover

We know how worrying being hospitalized can be, for example loss of income or the expense of good medical care.

Daily Hospital Income Cover provides daily hospital cash, intensive care unit benefit and long-term hospitalization benefit with up to HK$1,000 / day.

Critical Illness Cover

The sad truth is many of us will be diagnosed with a critical illness at some point in our lives, whatever age you are.

We cover 47 different critical illnesses that commonly occur amongst Hong Kong people including, major cancer, stroke, heart attack and kidney failure.

We provide a payment of 100% sum insured upon diagnosis of 44 of our covered critical illnesses. 

You can see our full list of coverage here.

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

Do you frequently travel acorss Greater Bay Area?

This optional rider provides double cash benefit for accidental death and permanent disablement if the accident happens while travelling on a public transport as a fare-paying passenger within Greater Bay Area. 

Maximum extra benefit is up to HK$1 million.* Click here to learn more about GBA optional rider.

*According to the coverage of selected plan

*The above information is for reference only. For the full benefit table, please refer to our policy wording ( personal accident / daily hospital income cover / critical illness / optional GBA rider) or click here to get a quotation.


Select Your Plan


Need help?



Who is Personal Accident Insurance for?


Under the age of 55,
We have cover to suit you for small monthly premiums.


Want to cover not only yourself but also your family? We have cover for you and your loved ones.


Who can get coverage?

Personal accident insurance for active lifestyle

Active Lifestyle

Personal accident insurance for working class


Personal accident insurance for middle-aged

Family Focused

Personal accident insurance for elderly



Learn more about our coverage

Personal accident coverage

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

Daily hospital income coverage

Daily Hospital Income Cover

✔ Daily hospital cash benefit up to 365 days when hospitalized
✔ Double up daily hospital cash if confined to intensive care unit
✔ Extra long-term hospitalization benefit from the 31st day of hospitalization

Critical illness coverage

Critical Illness Cover

✔ Cover 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.


How To Buy Individual Personal Accident Insurance?

  • Get a quote

    1. Provide information

    Provide you / your family basic information

  • Get a quote

    2.Select the preferred plan

    Choose the plans and add the optional coverage (Hospital income coverage / Critical illness coverage)

  • Get a quote

    3.Enter personal details

    Fill your personal information

  • Get a quote

    4.Payment & confirmation

    Make your payment online, and the system will issue a confirmation when the policy is successfully issued


Easy to claim

In the event of loss, written notice of claim should be given to us within thirty (30) days after the occurrence, except death claim which where practicable requires immediate notice in writing. You could find the whole process summary at 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


Do you want to know?

Anyone aged between 18 – 55 is eligible to apply.

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 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 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).