Personal Accident and Health

Take this opportunity to introduce AIG to your colleagues, friends or relatives and refer them to AIG to get your reward up to $3,300*:

  • For each Successful Referral, you will get one (1) $50 supermarket cash voucher.
  • For every 3 Successful Referrals, you will get one (1) extra $50 supermarket cash voucher.
  • The more you refer (maximum 50), the more reward you will get, for example:
Total no. of Successful Referral Reward Extra Reward

Total Reward

1 $50 x 1 Nil $50 x 1
2 $50 x 2 Nil $50 x 2
3 $50 x 3 $50 x 1 $50 x 4
: : : :
50 (Maximum per Referrer) $50 x 50 $50 x 16 $50 x 66


The referee, i.e. your colleagues, friends or relatives referred by you, will also get up to $150 supermarket cash voucher* plus a first-month insurance premium waiver.


The referral process is very simple:

  • Referee shall complete the Referral Application Form including your information (your name, contact no. and policy no.), and send to AIG.  The form can be obtained from AIG office or downloaded from here.
  • Or simply contact our Customer Service Hotline at (853) 2835 5602.

*Please read Terms & Conditions for details.  For enquiries, please contact our Customer Service Hotline at (853) 2835 5602 (Mondays to Fridays 8:45am to 5:15pm, except public holidays).

Personal Accident Cover

Accidental Death and Disablement Benefit: Compensates the Insured benefit up to a maximum of MOP$1,000,000 against accidental death, total disability and dismemberment within 12 months of an accident.

Accidental Medical Expenses Benefit: Reimburses the Insured for injury sustained through an accident.  Provides cover for outpatient, specialist, hospitalization expenses, surgical expenses, Chinese bonesetters and acupuncturists expenses.

Daily Hospital Income Cover

  • Daily Hospital Income Benefit: Reimburses the Insured a daily hospital cash benefit up to 365 days when hospitalized.  The maximum limit of this cover is MOP$1,250 per day.
  • Intensive Care Unit Benefit: Daily hospital cash will be doubled up to 30 days if the Insured is confined to an intensive care unit.
  • Long Term Hospitalization Benefit: Reimburses the Insured an extra long-term hospitalization benefit up to 30 days from   the 31st day of hospitalization.

Critical Illness Cover

A lump sum will be paid to the Insured in the event of diagnosis of any of the 47 specified critical illnesses.  The maximum limit of this cover is MOP$500,000.

Optional Cover - Senior Care Protection Plan

Separate Plan specially for parents and/or parents-in-law of the Primary Insured of AIG Voluntary Benefit Plan.

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