AIG (American International Group) is one of the world’s largest insurers, with a strong presence in Malaysia through AIG Malaysia Insurance Berhad. They leverage international underwriting expertise and local market knowledge to offer tailored coverage solutions — from personal and car insurance to travel protection catered to Malaysian lifestyles.
Personal Insurance: Securing Life & Health Milestones
AIG Malaysia offers a portfolio of personal insurance products designed to support individuals at every stage:
- Personal Accident: “MyGuardian Personal Accident” provides essential financial protection in case of accidental death or disability.
- Medical & Critical Illness: Their critical illness plan covers up to 38 serious conditions, with a renewal bonus feature.
- Home Insurance: Offers coverage for homeowners seeking protection for property and contents .
- Student Overseas Travel: Tailored plans with 24/7 global assistance for students studying abroad.
- Travel Insurance: Whether domestic or overseas, AIG Travel Insurance offers comprehensive trip protections — from medical expenses (up to RM1 million) to lost baggage and trip cancellations.
These products reflect AIG’s holistic approach: safeguarding life, health, home, and journeys for Malaysians.
Car Insurance: Beyond the Basics
AIG’s motor policies include:
- Comprehensive Car Insurance: Covers your vehicle for accident, fire, theft, plus liability for third parties.
- Smart Auto Assist: A suite of affordable add-ons including windshield protection, flood waiver, key replacement, tyre and rim coverage, daily cash allowance, and breakdown assistance.
- Roadside Assistance: 24/7 support through the Smart Auto Assist network, alongside panel workshop services and post-repair warranties.
- Award‑Winning Claims: Recognized by Motordata Research Consortium for excellent claims handling.
Together, these form a strong motor insurance proposition — essential for safer, worry-free driving.
Travel Insurance: Preparedness for Every Trip
AIG offers flexible travel insurance options:
- Medical & Emergency Assistance: Cashless hospitalisation and cover up to RM1 million for overseas medical emergencies.
- Trip Cancellation & Interruption: Coverage for unforeseen events up to RM15,000.
- Baggage & Personal Effects: Compensation of up to RM8,000 for lost or damaged belongings.
- Personal Accident: Lump-sum benefits—up to RM400,000—for accidental death or disability during a trip.
- Global Assistance: 24/7 support services including evacuation, repatriation, and natural disaster backup .
These coverages ensure Malaysian travelers are supported, whether trekking domestically or flying abroad.
Mobility Protect: On‑Demand Insurance for Commuters
In a first for Malaysia, AIG—through AXXESS and Touch ’n Go—launched Mobility Protect, a groundbreaking “tap‑in, tap‑out” commuter insurance. Highlights include:
- Usage-Based Activation: Coverage automatically activates when commuters tap their Touch ’n Go card or RFID at tolls, parking, MRT, LRT, bus entry, and ends upon tapping out.
- Affordable Premium: RM2.99/month (RM35.88/year) excluding 8% SST — just under 10 sen a day.
- Comprehensive Benefits:
- Accidental death or permanent disablement: up to RM25,000
- Medical expense reimbursement: up to RM1,000
- Daily hospital income: RM50/day (max 7 days)
- Tyre damage: up to RM300
- Vehicle break-in and snatch theft: up to RM500
- Transportation/hotel allowance: up to RM200.
- Eligibility: Open to Malaysian citizens and legal residents aged 18–75 with a registered Touch ’n Go card. Covers multiple taps per day and includes RFID users.
- Underwritten by: AIG Malaysia Insurance Berhad.
This product plugs gaps left by traditional motor or travel policies — offering on-demand coverage for daily commuting incidents like vehicle snatch theft, public transport mishaps, or parking-related injuries.
Why AIG Stands Out in Malaysia
- Integrated Ecosystem: Life, health, motor, travel, and commuter coverage — all under one trusted global insurer.
- Technological Innovation: Mobility Protect exemplifies modern insurance that meets daily digital behavior.
- Customer Experience: Online purchases, cashless claims, panel network services, and award‑winning claims processes.
- Value‑Driven Plans: Competitive pricing across segments — from affordable commuter coverage to high‑value travel and health plans.
- Regulatory Safeguards: All offerings are PIDM-protected (up to limits), with transparent disclosures and strong underwriting.
In Summary
AIG Malaysia blends global strengths with local responsiveness. Their product portfolio — spanning personal insurance, car insurance, and travel insurance — now includes the innovative Mobility Protect, a first-in-market solution for commuters. Whether you’re safeguarding your family, car, home, travels, or daily commute, AIG offers seamless protection through easy online purchases, reliable underwriting, and trusted service.
This reflects AIG’s evolving mission: to offer relevant, accessible, and innovative insurance solutions that address everyday risks faced by Malaysians today.