Introduction to the AIG Group

American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries. AIG companies serve commercial, institutional and individual customers through one of the most extensive, worldwide, property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange.

Introduction to AIG Insurance Hong Kong Limited

AIG Insurance Hong Kong Limited changed its name in March 2013, from Chartis Insurance Hong Kong Ltd. AIG HK is a wholly owned property & casualty subsidiary of AIG. AIG has over 80 years of history in Hong Kong.

In AIG's philosophy, No risk is too small or too big.

To ensure that all customers receive :

  • Maximum protection from potential risk
  • The best value from their investment

Whether the need involves insurance for individual or business property, such as cars, homes, offices, staff or potentially complex liability products like Directors and Officers Liability, Product Liability or environmental coverage, AIG Hong Kong's goal is to have the right product at the right price.

In AIG's view of the world, its priority is providing clients with the confidence they need to prosper.

AIG believes its unique strengths are:

  • Financial strength highlighted by the fact that, world-wide, it typically pays in excess of USD50m a day in claims.
  • World-class talent with the know-how to assess vulnerability and underwrite the most complex risks – delivered through a local presence that enables it to respond rapidly when unforeseen events occur.
  • Ongoing development of new and industry-leading products and services, along with the ability to develop tailor-made solutions when existing offerings do not meet client needs.
  • An unwavering commitment to customer service excellence and to supporting its clients.

AIG TravelWise Insurance

AIG’s TravelWise travel insurance provides comprehensive protection for your journey and is one of the best travel insurance packages available in Hong Kong. We cover your medical costs should you have an accident or suffer illness while on holiday overseas, along with any losses arising from your trip being cancelled or your journey being delayed. AIG also covers loss of your baggage or personal belongings, as well as all other risks related to your travelling experience.

TravelWise holiday insurance comes with AIG Travel Assistance, our worldwide emergency service which gives you 24/7 access to a dedicated team of multi-lingual staff of doctors, nurses, medical professionals and security personnel, who can respond to your needs in the event of an emergency.

  • 24/7 Self-owned Emergency Service
  • Comprehensive Medical and Personal Accident Coverage
  • Outbound Travel Alert Coverage
  • Overseas Hospital Cash
  • Optional benefits on golf protection, cruise vacation & scuba diving

Flexible plans from HK$40 only

  • Travel delay - 5 hours from stated departure or arrival
  • Baggage delay - up to HK$2,000 maximum
  • Baggage and personal effects
  • Emergency medical expenses
  • Personal accident - accident while in a common carrier up to HK$1.2M maximum
  • Journey cancellation or interruption
  • Loss of income benefits
  • Compassionate visit

*The price is for reference only.
#The above information is for reference only. For the full benefit table, please refer to our TravelWise brochure

TravelWise Documents

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AIG Car Insurance Benefits

For many of us, purchasing a car is an exciting time in our lives. Make sure you have the proper coverage to protect your new purchase from fender to fender with new car insurance from AIG. AIG provides comprehensive new car insurance to make drivers feel safe when getting behind the wheel of their brand-new vehicle. We know searching for the best new car insurance can be a headache. That’s why our auto coverage offers New for Old coverage in your first year, as well as other helpful benefits including loss of car keys, no-claim discount protection and 24-hour roadside assistance.

  • Loss of car keys
  • No claim discount protection
  • 24-hour roadside assistance
  • New for old coverage
  • NIL depreciation on spare parts if car less than 3 years old

Third Party and Comprehensive Plans Available

  • Own damage protection
  • Medical expenses
  • New for old coverage
  • 7-day rental car
  • Windscreen protection
  • No-claim discount protection
  • 24-Hour roadside assistance
  • Loss of car keys
  • NIL depreciation on spare parts if car less than 3 years old
  • Third-party property damage & bodily injury

*The above information is for reference only. Please refer to the policy documents for detailed terms and conditions and exclusions.

Car Insurance Documents

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AIG Home Insurance Benefits

You work hard to provide a home for your family and build assets for the future. Make sure you protect your hard-earned assets against loss, damage and theft with comprehensive home insurance from AIG. AIG’s home insurance protects you and your home against fire, explosions, natural disasters, riots and malicious damage. We offer two different plans, providing flexible coverage to meet your family’s needs. Additional covereage and services include:

  • Free cover for repairing fee of mobile phones
  • Provide cover with loading for the premises which building year was over 40
  • Significant amount cover for the Personal effects and Valuables
  • Utility fee during unemployment up to 3 months

Flexible Plans from HK$520

  • Comprehensive coverage for your household belongings
  • All Risks protection covers your home contents
  • Protection for your belongings
  • Legal Liability
  • Coverage of home belongings,personal effects and valuables against loss caused by seepage of rainwater
  • Up to HK$5,000,000 worldwide protection for you and your family against third-party liability claims for bodily injury or property damage
  • Free extra benefits, including accidental damage to mobile phones; loss of or damage to notebooks or tablet computers, personal documents and wine; unauthorized use of credit card/cash card; replacement of locks and keys; personal accident and more
  • Low payment terms

Home Insurance Documents

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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

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.

SafeGuard Personal Accident Documents

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AIG Domestic Helper Insurance Benefits

In Hong Kong, domestic helpers serve a vital role. They help us take care of our families and household chores, enabling us to focus on providing for our family’s financial future and spending quality time with our loved ones.

Our upgraded Domestic Worker Protector 2.0 insurance coverage enables you to not only meet your minimum legal obligations, but to take additional and proper care of those who care for your family by purchasing additional coverage for your helper’s hospitalization, surgical, outpatient and dental expenses. Through three customized plans, AIG offers flexibility and varied options for domestic helper insurance. Cancer and Heart Disease cover is available with low additional premium, as is coverage for domestic helpers aged over 60 and with job duties related to doula, driving or gardening — all with premium loading.

  • Flexibility with 3 different plans
  • Cancer & Heart Disease cover with low additional premium
  • Helper over 60 may still get coverage with an additional premium
  • Job duties related to doula, driver or gardening also covered

Flexible Plans from HK$285

  • Employee compensation
  • Personal accident insurance
  • Hospitalization & Surgical Expenses
  • Repatriation Expenses
  • Clinical & Dental expenses
  • Fidelity Coverage
  • Replacement expenses
  • Temporary worker subsidy

*The above information is for reference only. Please refer to the policy documents for detailed terms and conditions and exclusions. For full benefit table and premium, please refer to our Product Brochure

Domestic Helper Insurance Documents

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AIG Working Holiday Insurance Benefits

The Working Holiday Scheme is a bilateral arrangement agreement signed between the government of the Hong Kong Special Administrative Region and many other governments to allow young people from Hong Kong to work overseas. AIG’s working holiday insurance provides comprehensive protection for young people participating in this program so they can experience their dreams without worrying about insurance coverage for overseas destinations, such as Australia. We provide emergency support and assistance should you fall ill or have an accident.

  • 24/7 Self-owned Emergency Assistance Service
  • Comprehensive Medical and Personal Accident
  • Full Year Overseas Coverage in Working Holiday Destinations
  • Coverage on Leisure Trip Outside the Working Holiday Destinations
  • Trip Curtailment Protection

Flexible plans, from HKD$1,857

  • 24/7 Tourism Emergency Support Travel Assistance Service
  • Emergency medical expenses and assistance
  • Trip Curtailment protection
  • Emergency evacuation (two-way)
  • Cover for personal belongings
  • Personal Liability
  • Travel Delay
  • Baggage Delay

*The above information is for reference only. Please refer to the policy documents for detailed terms and conditions and exclusions.

Working Holiday Insurance Documents

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AIG Golf Insurance

Whether it’s losing your clubs or other personal effects in the long grass, hitting a spectator with a wayward swing, or paying for hospitality to celebrate a Hole-In-One, a round of golf brings so much more to worry about than just perfecting your putting. That’s why we proudly present our Golf Insurance plan, to take the hassle out of your game.

  • Third party legal liability
  • Damage to Clubs and Loss of Personal Effects
  • Hole-In-One
  • Personal Accident
  • Family Extension

· Protection against Third Party Legal Liability claims up to HK$6,000,000:

· Protection for Damage to golf clubs, and Loss of golf bags, trolleys or personal effects up to HK$37,500

· Hole-in-one celebration benefits up to HK$20,000

· Maximum Personal Accident protection coverage up to HK$600,000

· Additional premium is only HK$150 per family member, you and your family members will be protected under your Policy

Golf Insurance Documents

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@Guard Insurance Benefits

Smart Shoppers are cautious shoppers. They value and seek protection for items purchased online and want to ensure that damages and defects do not cause them financial distress. These customers seek protection for their payment cards on which they are heavily reliant for daily purchases. Due to card dependence, customers carry their cards in their wallets. Daily card exposure can make them vulnerable to fraudulent activity including fraudulent charges and theft of their identity. Additionally, they live a fast-paced lifestyle and cannot afford to be without access to their home and vehicles.

  • Cover online purchase incomplete delivery, physical damage if seller or courier has failed to refund up to HK30,000
  • Identity theft and fraudulent charge cover for credit card accounts and/or banking accounts
  • Cover your replacement cost for wallet and personal papers
  • Cover your keys of home and vehicle

Flexible plans, starting from $188 only

  • Incomplete delivery or wrong item delivered
  • Improperly functioning of delivered items due to physical damage
  • Non-delivery of purchase after 30 days of the scheduled delivery
  • Legal expenses of Identity Theft
  • Loss of wages for time off from work due to identity theft
  • Payment obligations for which customers are legally liable to creditors due to identity theft
  • Cost associated with having to submit new applications due to identity theft
  • Key Replacement

*For full wording in brochure - This is highlights only!. Please refer to the policy documents for detailed terms and conditions and exclusions.

Guard Insurance Documents

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Landlord Insurance with Loss of Rental Income Protector

Although renting your property can provide extra income, it also comes with added risk. To address uncertainty, AIG Hong Kong has introduced Rental Protector, a comprehensive landlord insurance solution. Landlord insurance provides security for costs that you might incur from renting your property. Our Rental Protector quote includes protection relating to tenant payment, rent arrears, eviction, damage to property or appliances, and more. Rental protector landlord insurance provides coverage for loss of rent, damage to rental building or property, legal expenses incurred to pursue rent recovery or repossession, and a supplementary home appliance warranty.

  • Legal fees and expenses protection
  • Rent protection
  • Owner’s legal liability protection
  • Repair costs for damaged or destroyed property
  • Rent loss allowance during maintenance (50% of monthly rent for up to 3 months)

Flexible plans, from only HK$1,188

  • Legal Expenses And Costs
  • Rent Protection
  • Reinstatement cost of damaged or destroyed Property
  • Loss of rent during renovation
  • Owner’s Liability (Optional Cover)

*The above information is for reference only. Please refer to the policy documents for detailed terms and conditions and exclusions.

Rental Income Protector Documents

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AIG Overseas Student Insurance Benefits

Our Overseas Student Protection insurance provides complete coverage for students studying overseas, so they can focus on their learning experience rather worrying about the unexpected. With comprehensive cover for medical expenses, hospital visits and tuition fees, Overseas Student Protection gives you peace of mind and the confidence to pursue your educational aspirations, knowing we have got you covered.

  • 24/7 Worldwide Emergency Assistance Service.
  • Comprehensive Medical and Personal Accident Cover*
  • Cover Medical Evacuation & Repatriation Service in every policy
  • Tuition Fee Reimbursements for Study Interruptions

Flexible plans from only USD$262

  • Tuition Fee reimbursement for study interruption
  • Education Fund
  • 24/7 travel emergency services support
  • Help for medical expenses
  • Two-way hospital visits
  • Cover for personal belongings
  • Overseas Hospital Cash
  • Kidnapping Benefit

*The above information is for reference only. Please refer to the policy documents for detailed terms, conditions and exclusions.

Overseas Student Documents

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Business insurance that meet your needs

Our business customers, from sole traders to the largest multinationals, are covered by one of the strongest and broadest product ranges around. With one of the industry's most extensive ranges of products and services, deep claims expertise and excellent financial strength, AIG enables it's business clients alike to manage virtually any risk with confidence.

  • Financial Line Solution to financial liability arises from daily operation.
  • Casualty Comprehensive, flexible liability coverage with worldwide jurisdiction
  • Property Full-service property risk management solutions
  • Marine Offers our clients comprehensive marine insurance solution, including, Marine Cargo, Freight Forwarder Liability, Terminal Operators's Liability
  • Energy Tailored protection for energy-related businesses
  • Trade Credit Business protection from the impact of payment default by key customers
  • SME Business Package Offers simple insurance products for many small businesses, and bespoke solutions for the more complex insurance needs.
  • Aerospace Protects individuals and businesses within the aerospace industry such as aircraft owners and operators, airport owners and operators, and aircraft product manufacturers.
  • Corporate Employee Benefit Solutions Worldwide protection for you and your employees
  • Alternative Risk Solutions Innovative, customised solutions to unconventional or complex risks
  • Multinational Solutions Conduct business across borders with confidence
  • Fronting and Captive Services Customised, innovative risk retention solutions worldwide
  • GPS Comprehensive Group Insurance GPS Comprehensive Group Insurance has been created to ensure they are well protected in the following events: Group Business Travel & Group Personal Accident.
  • Professional Liability

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  • Commercial Vehicle Insurance

  • Directors and Officers and other Financial Liabilities cover:

The Director’s and Officers (D&O) Insurance policy is intended to protect directors and officers against allegations of wrongful conduct when they are acting as company executives.

Most policies cover alleged wrongful acts that have taken place prior to or during the policy period. However, some policies are negotiated to expressly exclude “past acts” coverage, so the actual language of the policy must be closely reviewed.

D&O insurance is not intended to be “burning building” insurance. If a potential insured is aware of an impending claim, it may be too late to go out and get insurance to cover it, unless the potential claim is disclosed and the carrier expressly agrees to take it on. First time D&O purchasers must reveal any information they have regarding known claims or related circumstances in the application process itself. Matters disclosed in the application process will usually be excluded from coverage.

Traditionally only the directors and officers themselves were covered under a D&O policy, today this may be expanded to include managers and other non-executive directors, employees and the company itself. What about the company itself, since it may be a defendant in many claims that could be asserted against directors and officers? Today, most D&O policies for publicly traded companies also insure the company itself but only for securities claims. Most D&O policies for privately held or not-for-profit organizations include coverage for the company for an array of claims (not limited to securities claims).

Claims can be brought by the company’s stakeholders (owners, investors, lenders, employees and securities holders, including bondholders). Claims can also be brought by customers, consumer groups, competitors, business partners (venders and suppliers) and government enforcement/regulatory groups.

AIG’s global franchise, 40 years’ experience in this sector and their ability to analyse their own experience of claims and exposures gives them a unique view of the operating environment of directors and officers in today’s world.

Free AIG Insurance Quotes

If you would like to receive a free quote for any of the AIG Insurance plans offered by Navigator simply contact us and tell us what you need.
If you would like further details about individual policies from AIG Insurance, would like to compare AIG against a range of alternative insurance providers, or if you would like to investigate your coverage options in Hong Kong, please contact Navigator today.

D&O Policy – Private Edge
PrivateEdge from AIG is designed to provide flexible and comprehensive protection and the services to cope with the downsides that occur in business, particularly in the increasingly litigious modern-day environment. This policy is geared towards private companies, not-for-profits, partnerships and insurance brokers.

Cover includes 4 modules:

• Management Liability Module
Entities and natural persons protection, additional excess limit for board directors and defence cost

• Employment Practice Liability Module
Protection against employment related liabilities such as wrongful termination/dismissal of employment
• Crime Module
Direct financial loss of the entities from employee or third party dishonest acts

• Professional Indemnity Module
Cover specific professional services

D&O Policy - Dragonshield
Designed to meet the management liability needs of public companies
• Advancement of legal defense costs
• Coverage includes company's securities claims arising out of sale or purchase of company's own securities
• Employment practice liability cover for the companies, directors and officers
• Covers losses arising from claims made against the estate, heirs and legal representative of the insured
• Automatic extension covers outside directorship of associated companies, joint ventures and non-profit entities
• Automatic coverage for newly created or acquired subsidiaries
• Optional Prospectus Liability Insurance covers errors or omissions in the prospectus of companies undertaking an initial public offering
• Blanket Difference in Conditions (DIC) cover between Dragonshield and with any existing policy
• Elective Side-A Reinstatement: option to purchase reinstated limit upon event of a claim
• Long-Term Agreement (LTA): option for automatic renewal

D&O Policy – Dragonshield Public Offering of Securities Insurance (POSI)
With this policy it of course extends beyond the limits of the corporation to encompass directors and officers both past and present, and current shareholder, all of whom may be targeted for litigation by investors and regulators.

Public Offering of Securities Insurance (POSI) protects against this exposure by providing coverage in the event of litigation arising from the capital raising process. Coverage is provided to the company, its directors and officers, the controlling shareholders and any shareholders selling shares in the offering. It is also available to the underwriters of the offering which benefit from indemnities in the underwriting agreement.

• Enhanced exposure created by regulations governing capital raising makes it essential for a company to have POSI, a high-limit insurance coverage focused solely on its public offering
• Ring-fences exposure due to an offering from the company’s other insurances, enabling the company to retain its Directors’ and Officers’ Liability Insurance (D&O) to cover exposure arising from its ongoing day-to-day operations.
• Ensures that bespoke insurance limits can be purchased to reflect the concentrated high-risk exposure arising from a listing
• Provides cover for all parties involved in an offering, including sleep-easy insurance for selling shareholders and past directors and officers.
• Non-cancellable multi-year term, providing longer term guaranteed protection, typically for 3 to 6 years.

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  • Cyber Risk

Launched in Asia in 2012, AIG's new "CyberEdge" policy helps combat the fast evolution of cyber risk and provides an effective response to the growing cyber-crime threats and data breaches.

  • The CyberEdge PC product was launched subsequently, in response to clients wanting to add cover for property damage or people being injured or hurt, as a result of a cyber-claim.

CyberEdge PC expressly covers :

  • bodily injury,
  • property damage and
  • financial loss

arising from a security failure.

AIG is an approved service carrier of a voluntary medical scheme for both Civil Servants and Non-Civil Servants employed by the Hong Kong Government.

This Voluntary Employee Benefit scheme is available to not just spouses and children but even Parents and Parents in Law!

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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong