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Civil Servants and Non-Civil Service
Contract Staff Protection Scheme

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American International Underwriters, Limited (AIUHK) is pleased to be appointed by the Standing Committee on Medical and Dental Facilities for Civil Servants as one of the carriers of the voluntary insurance scheme for civil servants since July 2000. We have specifically tailor-made a Civil Servants and Non-Civil Service Contract Staff Protection Scheme for you which offers you an economical means of extending insurance protection to your family, including your spouse, dependent children, parent(s) and parent(s)-in-law.

Basically, our plan consists of a Basic Accident Cover, an Optional Critical Illness Cover, an Optional Hospitalization Cover and an Optional China Assist Cover to meet your different insurance needs. Differing from the traditional employee benefit, this plan is portable upon retirement or resignation. The plans are briefed as follows. For more details, please refer to our brochure.

Basic Accident Cover
Cover Summary (HK$)
Monthly Premium (HK$)
Unit
AD & D
AMR
E & R
Individual or Parents / PIL
Individual + Spouse
Family
Individual + Child(ren)
1
$300,000
$10,000
$500,000
$30
$60
$60
$30
2
$600,000
$15,000
$500,000
$48
$96
$96
$48
3
$900,000
$20,000
$500,000
$64
$128
$128
$64
4
$1,200,000
$25,000
$500,000
$80
$160
$160
$80
5
$1,500,000
$30,000
$500,000
$96
$192
$192
$96

Additional Accidental Death and Medical Expenses Protection
Cover Summary (HK$)
Monthly Premium (HK$)
Accidental Death and Disablement
Accidental Medical Expenses/Accident
Child(ren) Coverage
100,000
1000
19


Optional Critical Illness Cover
Cover Summary (HK$)
Unit
Critical Illness Benefit
1
2
3
4
5
$100,000
$200,000
$300,000
$400,000
$500,000


Entry Age
Individual
Family
Male
Female
18 - 25
$30
$24
$47
26 - 30
$47
$35
$70
31 - 35
$66
$47
$94
36 - 40
$85
$61
$128
41 - 45
$125
$80
$177
46 - 50
$156
$100
$224
51 - 55
$201
$124
$284
56 - 60
$242
$138
$339
61 - 65
$306
$226
$432


Optional Hospitalization Cover
Cover Summary (HK$)
Monthly Premium (HK$)
Unit
HI
LTB
ICU
Individual
Individual + Spouse
Family
Each Parent /
parent-in-law
1
$300/day
Extra $300/day
Extra $300/day
$29
$58
$73
$44
2
$600/day
Extra $600/day
Extra $600/day
$58
$116
$145
$87
3
$900/day
Extra $900/day
Extra $900/day
$86
$172
$215
$129
4
$1,200/day
Extra $1,200/day
Extra $1,200/day
$115
$230
$288
$173
5
$1,500/day
Extra $1,500/day
Extra $1,500/day
$144
$288
$360
$216


Optional China Assist Cover
Area of Protection Monthly Premium
  • Hospital Guarantee Admission Deposit
    		•
    HK$22
  • Hospitalization & Medical Expenses Max. HK$ 150,000
    		•
  • Emergency Cash Transmission
    		•
  • 24-hour Legal Advice
    		•


    Student Plan
    Coverage Plan A Plan B
    1. Accidental Death and Disablement Benefit
    		 HK$100,000 HK$100,000
    1. Accidental Medical Expenses Benefit
    1. Actual Medical Expenses
    		 Maximum of HK$3,000 per accident, no limit per policy year Maximum of HK$3,000 per accident, no limit per policy year
    1. Chinese Bonesetters or Acupuncturists
    		 Maximum of HK$150 per visit per day, HK$1,000 per accident and HK$2,000 per policy year Maximum of HK$150 per visit per day, HK$1,000 per accident and HK$2,000 per policy year
    1. Daily Hospital Cash Benefit
    		 HK$200 per day HK$200 per day
    1. Third Degree Burns Benefit
    		 HK$50,000 (Deducted from the sum insured of Accidental Death and Disablement Benefit) HK$50,000 (Deducted from the sum insured of Accidental Death and Disablement Benefit)
    1. Broken Bones Benefit
    		 HK$10,000 HK$10,000
    1. Critical Illness Benefit
    		 Excluded HK$100,000
    Monthly Premium (HK$) HK$45 HK$70


    Senior Care Plan
    Coverage Plan A Plan B
    1. Accidental Death and Disablement Benefit
    		 HK$150,000 HK$300,000
    1. Accidental Medical Expenses Benefit
    1. Actual Medical Expenses
    		 Maximum of HK$2,000 per accident, HK$10,000 per policy year Maximum of HK$3,000 per accident, HK$20,000 per policy year
    1. Chinese Bonesetters or Acupuncturists
    		 Maximum of HK$180 per visit per day, HK$2,000 per accident and HK$4,000 per policy year Maximum of HK$180 per visit per day, HK$2,000 per accident and HK$4,000 per policy year
    1. Daily Hospital Cash Benefit
    		 HK$200 per day HK$300 per day
    1. Care Assistant Benefit
    		 HK$2,500 per month, maximum of 60 months HK$5,000 per month, maximum of 60 months
    1. Broken Bones Benefit
    		 HK$75,000 HK$150,000
    Monthly Premium (HK$) HK$107 HK$195


    For application, please complete the application form and send to
    American International Underwriters Limited, 12/F, AIA Building, No. 1 Stubbs Road, Hong Kong

    For any queries, please call

    AIUHK Hotline: 2832 8028

    Monday to Friday 9:00am-6:00pm
    (Except Public Holiday)

    25% Special Discount on AIU Travel Insurance

    Policyholders of our Hong Kong Civil Servant Scheme can enjoy 25% discount on AIU TravelWise Protection Plan (Per Trip).
    Before the depature, simply visit http://www.aiu.com.hk/travelwise and
    input the discount code AIG03525 to enjoy the discount.

    Enquiry Hotline: 2832 1132