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Special Offers For You!

*This promotion offer is subject to Terms & Conditions.

A lump sum cash benefit is payable for overnight stays in hospital due to accident or illness. This includes infectious diseases, such as COVID-19.

Add on Hospital Cash Cover today to protect you and your family.


SafeGuard Accident and Illness Insurance

Worldwide protection against accidental medical expenses and potential loss of income. SafeGuard personal accident insurance provides medical reimbursement together with a lump sum cash compensation of up to HK$1.3 million should the unexpected happen, allowing you to maintain your current living standards.

Everyone needs a SafeGuard.

Protection plan from as low as HK$131 a month*. When accidents happens, you are covered for...

  • $0 Excess
  • Lump Sum Cash Compensation
  • Reimbursement for Medical Expenses
  • Daily Hospital Cash
  • Critical Illness Compensation

*Premiums may vary, depending on coverage level and financial need.


SafeGuard covers medical treatment.

SafeGuard personal accident insurance offers medical expenses for necessary treatments caused by an accident, including: inpatient & outpatient, surgical expenses,  X-ray, hospital and nursing treatment, medical supplies, ambulance hire, Chinese bone-setting and acupuncture expenses.

Besides, we offer an add-on hospital income plan that covers necessary expenses during hospitalization due to accident or illness. 

We also cover you for critical illness providing a lump sum payout of up to HK$300,000 upon first diagnosis.


Receive daily hospital cash for hospitalization if diagnosed with an infectious disease, including COVID-19.

Hospital Cash Cover provides coverage, up to HK$1,300 / day, for hospitalization.

You are covered for stays in a local hospital (for each day) due to accident or illness. Coverage for basic hospitalization is HK$500 / day; extra cash benefits for stays in the Intentsive Care Unit and long-term hospitalization will also be provided.

Click here to find out  more about SafeGuard Hospital Cash Cover.


Flexible plans to suit you

Everyone has different needs. SafeGuard Accident and Illness Insurance contains 3 plans providing different levels of coverage. 

Compare our accident protection plans below so SafeGuard can take you through an end-to-end recovery journey with the best-fit plan for you.

Core Benefit
  Core Benefit Basic Plan Premier Plan Prestige Plan

Cover 1 - Accidental Death & Disablement Coverage



$600,000 $800,000 $1,000,000

Cover 2 - Accidental Medical Expenses (Per Accident)



$9,000 $12,000 $15,000

Optional Cover - Double Protection for Accidental Death / Disablement in Greater Bay Area



$600,000 $800,000 $1,000,000

We are here to SafeGuard you for when the unexpected happens. See how we helped our customers.

The examples above are for reference only. Actual expenses may change due to different medical service providers.


Do you have a medical plan already and wonder how SafeGuard can help?

Coverage from your corporate/private medical plan might not be enough to cover your needs. 

Talk to our planner now! We will provide professional advice and select the best plan for you to get all-rounded protected.


Explore our add-ons in details

Flexible upgrade options available. Add on SafeGuard Hospital Income and SafeGuard Critical Illness cover.

Accident insurance with hospital income and critical illness cover

Add-on 1 - SafeGuard Hospital Income

✔ Daily Hospital Income up to HK$500 / day

✔ Extra intensive care benefit up to HK$500 / day

✔ Extra long-term hospitalization cash, HK$300 / day                                                             

Add-on 2 - SafeGuard Critical Illness

✔ Cover 47 different critical illness such as cancer, stroke, heart disease, etc

✔ Payment of 100% sum insured upon diagnosis of 44 of our covered critical illnesses

✔ Sum insured up to HK$300,000

*This 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.


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 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



You can purchase and pay online by clicking here in an easy and convenient way. We accept credit card (Visa & MasterCard).

You can submit a change request via our online platform. We will process your request as soon as possible.

We would like to make everything easy and simple for our customers, as well as policy cancellation. If you wish to cancel your policy, please contact our Customer Service via email, phone or online contact form, providing your policy number.

We will process your request within 30 days.

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.

Yes, SafetyGuard provides worldwide cover.

Anyone aged between 18 – 55 is eligible to apply.

SafetyGuard 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.

If there is any change in your work nature, you should immediately inform AIG. The premium may be adjusted based on new occupation. If your occupation is changed to any excluded occupation, your personal accident insurance plan will be terminated on the next premium due date.


Got more questions? Our chatbot is here 24/7 to answer your questions, get in touch now!