A. Required general documents for all business travel claim
1. Company proof on the nature and duration of trip
2. Trip Itinerary, such as Boarding pass/Train or Air ticket/Tour receipt
3. Completed Claim Form
4. If the loss is covered by other third party (i.e. Insurer, airline, hotel, etc.), please provide their settlement letter
5. Travel insurance certificate or Travel agency tour receipt indicating you have purchased travel insurance for the said tour
B. Overseas Emergency Needs
- If you are traveling overseas and require emergency assistance because of a sickness or an injury, you can contact AIG's 24-hour Travel Guard Assistance Hotline at +852 3516 8699 anytime anywhere in the world.
- Please provide the following information when calling:
- Your policy number
- Your company name
- Your name
- Your current location
- Describe your condition or symptoms and the nature of the assistance that you require
If you are unable to call, please ask a family member, colleague or third party to assist.
- Based upon the information you provide, guidance and assistance will be provided over the phone. If it is considered medical necessary and appropriate for a move to another location for medical treatment, or to return to Hong Kong (for Hong Kong residents), we will arrange for the evacuation utilizing the suitable means, according to the severity of your medical condition.
C. Prepare specific required documents of all business travel claim
A. Accidental Death or Permanent Disability
1. Complete the following relevant sections in the claim form:
- Section I and IV are compulsory
- Section II is required for accidental medical expenses, accidental death or permanent disability
2. Police report (only for traffic accidents )
3. Documentary proof certifying the insured is suffering from permanent disability (applicable for permanent disability claim)
4. Copy of Death Certificate indicating the cause of death (applicable for death claim)
5. Grant of Probate / Letters of Administration
B. Medical Expense
1. Complete the following relevant sections in the claim form:
- Section I and IV are compulsory
- Section II is required for accidental medical expenses, accidental death or permanent disability
2. Original medical receipts with DIAGNOSIS
3. If the medical expenses were claimed from another insurer or organization, please also provide their claim statement
C. Hospital Income / Hospitalization Benefit
1. Complete the following relevant sections in the claim form:
- Section I and IV are compulsory
- Section IV, to be completed by the treating doctor, is required for hospital income, hospitalization benefit and critical illness benefit
2. Original payment receipt of the hospital expenses with breakdown
3. Hospital Discharge Summary/Slip
4. Discharge Slip / Discharge Summary (Applicable to HK government hospital)
D. Critical illness benefits
1. Complete the following relevant sections in the claim form:
- Section I and IV are compulsory
- Section IV, to be completed by the treating doctor, is required for hospital income, hospitalization benefit and critical illness benefit
2. All relevant medical and examination report regarding the claimed Critical Illness
E. Prepare specific required documents of all business Accident & health claim
Tips: Ways to submit supporting documents
Email to claims.hk@aig.com
Fax to 2838 9916
Mail to 7/F, One Island East, 18 Westlands Road, Quarry Bay, Hong Kong
Available Payment Methods
Faster Payment System (FPS)*
Direct credit to Hong Kong Bank Account (HKD account only)
*Faster Payment System (FPS) is only applicable for claims payment amount under HKD10,000
We will process your claim in such way that the most effective outcome is achieved. If any clarifications or follow up is needed, our claims handler will contact you as soon as possible. Every claim will be assessed on its own merit in accordance with the relevant policy terms and conditions.
If you do not submit all the required supporting documents, the processing of your claim may be delayed because additional time is required to obtain the requisite documentation ourselves. In some situations, if you are unable to provide the required documents, we may be unable to complete the processing of your claim.
You can send the supporting documents to us by post, Email or Fax. To facilitate our prompt handling, please write down our claim reference number on the top of the first page of your submitted documents.
Generally speaking, original receipts and supporting documents are required in order to process Personal Accident and Travel claims. However, this also depends on the nature of the claim and type of the receipt.
Please indicate on the claim form you submit that you are requesting the return of your original receipts. We will return the certified true copy of original receipts to you once the assessment of your claim is complete.
If, for any reason, the hospital does not supply the requisite information for the claim form, you may leave Section 1B blank and attach a full hospital discharge summary for our assessment. After reviewing your claim, we will determine if completion of Section1B is necessary to complete the processing of your claim. Please note that there is likely to be a delay in the processing of your claim.
Depreciation is applied when calculating the amount for loss or damage to personal belongings. The relevant rate applied will vary according to a number of variables, including the nature of claimed item, the age of the item and whether purchase receipts have been supplied.
Remarks:
- This note is for your guidance only and does not vary the terms of the Policy or form part thereof. AIG reserves the right to amend these requirements or seek additional information to support each claim.
- HKFI Insurance Fraud Prevention Claims Database (IFPCD) details
