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}