AIG Voluntary HKCS Health Insurance Plan Overview
AIG's Voluntary HKCS Health Insurance Plan is arranged exclusively for Civil Servants and non-Civil Servants employed by the Government of HKSAR, providing coverage from Personal Accident Cover, Critical Illness Cover, Daily Hospital Income Cover, and China Hospitalization Cover in one convenient plan, complementary to your medical insurance, ensuring the well-being of you and your family!
AIG Supplementary Health Insurance vs Traditional Medical Insurance
vs
vs
AIG |
Others |
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| Death & Permanent Disablement Cover | Covered | Not covered in general |
| Medical Health Check |
Waiver of medical checkup, just a simple health declaration for application | Comprehensive health declaration and even a Health Check is required in some cases |
| Policy Period | With flexibility in the period of insurance, up to aged 69 | Term or lifetime insurance |
| Saving Element | More affordable premium without saving element | Higher premium with saving or life elements in general, with redemption of proceeds upon surrender of the policy when claim free. |
| Critical Illness Cover | High-performance price-ratio with 48 major illnesses being covered including cancer, stroke, and heart disease which share more than 90% of critical illnesses | Some with Cancer only, while others can cover up to 180+ major illnesses |
Premium
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Locked at entry age, the earlier the application, the lower the premium until old age | Premium increases with age and varies by lifestyle such as smokers |
Who should consider
AIG’s Voluntary HKCS Health Insurance Plan？
- Whoever looking for low-entry medical coverage with a limited budget
- Whoever looking for supplementary protection alongside medical insurance
- Whoever looking for flexibility with no restriction to the contribution period
- Whoever looking for cost-efficient health insurance
For any inquiries, you may contact AIG’s Customer Service Hotline at 852 3666 7015 (Weekdays 9:00 am to 5:30 pm, except public holidays) or via email at cs.hk@aig.com.
Accident means a sudden, unexpected, and specific event, external to the body, which occurs at an identifiable time and place.
We currently accept credit card (Visa/Master) for payment only. At the time of your online application, we would initiate a request to the issuing bank for the authorization of credit card payment for the sole purpose of insurance premium payment. The premium will be refunded shortly upon successful authorization and the relevant premium payment will be charged in the middle of each month. Please ensure sufficient credit limit for each billing date. For unsuccessful payment, we might cancel your policy and any subsequent claims will not be reimbursed. For any update of credit card information, please call our Civil Servants Voluntary Medical Insurance Scheme dedicated hotline at (852)3666-7015 or email to: cs.hk@aig.com
You may adjust the number of unit to be insured at any time. For amending the person(s) to be insured, you need to complete the amendment form and return to us. Notification of change must be received by us with at least 14 days in advance and the amendments will be in effect from the first day of the next month. For any policy endorsement request, please call our Civil Servants Voluntary Medical Insurance Scheme dedicated hotline at (852)3666-7015 or email to: cs.hk@aig.com
We regret to inform that designated beneficiary will not be accepted. Accidental death benefit will be paid to your estate or the ‘personal representative’ within the meaning under the Probate and Administration Ordinance Cap. 10, Laws of Hong Kong. Any other benefits will be paid to the insured person who is the subject of the claim except in the case of a child, where the benefits will be paid to the policyholder.
Sum insured can only be adjusted by the number of unit to be insured. You may consider increasing the number of unit to be insured as appropriate. However, the maximum aggregate accidental death and/or permanent disabilities sum insured for each insured person on all Personal Accident policies underwritten by us is HKD5,000,000 (“Aggregate Limit”). We shall adjust the benefit payable to the maximum Aggregate Limit if the total amount payable for the respective benefit across all Personal Accident policies exceeds the Aggregate Limit.
You may choose to enquire directly with AIG or contact your insurance intermediary for any queries. You may also contact us to enquire for your insurance intermediary’s information if required. Please call our Civil Servants Voluntary Medical Insurance Scheme dedicated hotline at (852)3666-7015 or email to: cs.hk@aig.com.
The information given above is for reference only, please request for the relevant policy contract to understand the terms, conditions and exclusions of the coverage or indemnity.
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