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AIG Centennial KrisFlyer Miles Lucky Draw (the “Promotion”)

Terms and Conditions (the “Terms”)

About the Promotion

1.  The Promotion is organised and promoted by AIG Asia Pacific Insurance Pte. Ltd. (“AIG”). All participants in the Promotion shall be subject to these Terms or such other terms and conditions that AIG may impose. AIG reserves the right to amend the Terms without any prior notice to participants and the right to cancel the Promotion due to any circumstances whatsoever, which may arise from factors outside of its control. By participating in the Promotion, participants shall be deemed to have agreed to and accepted the Terms, and any versions of the Terms as may come into being upon subsequent amendment by AIG.

2.  The Promotion will run from Friday, 1 February 2019, 00:00 (GMT +8) to Saturday, 30 November 2019, 23:59 (GMT +8) (the “Promotion Period”).


3.     Employees of AIG, and its subsidiaries, divisions, affiliates, authorised dealers / distributors, agents, representatives and their immediate families, and anyone otherwise connected with the organisation of the Promotion, are not eligible to participate in the Promotion.

4.     Each successful purchase or renewal of a valid individual or group insurance policy underwritten by AIG, via either or the AIG SG mobile app during the Promotion Period, shall entitle the policy holder to 1 Lucky Draw entry for the corresponding Monthly Lucky Draw phases set out in Section 8 (the “Monthly Lucky Draw”), regardless of the value of the insurance premium. If a Family insurance policy is purchased or renewed, only the main policyholder will be entitled to a Lucky Draw entry. Valid individual, group and Family insurance policies, which are successfully purchased or renewed via either or the AIG SG mobile app, are hereinafter referred to individually as the “Policy” and collectively as the “Policies”.

5.     The Promotion is not applicable to corporate / fleet Auto insurance policyholders. In addition, for travel insurance plans, only Travel Guard and Travel Guard Direct Travel Insurance policyholders are eligible. 

6.     The Promotion is only open to Singapore residents who are aged 18 years and above at the time when the Policy is purchased.

7.     The Policies must be active and not cancelled at the time of the Monthly Lucky Draw. Cancellation of the Policies will immediately disqualify the participant from participating in the Promotion.

Conduct of Monthly Lucky Draw and Prizes

8.     The Monthly Lucky Draw will be conducted at the AIG Building, 78 Shenton Way, #07-16, Singapore 079120, in the following phases:


Purchase/Renewal Period for the Policy

Date and time of Draw (“Draw Date”)


1 February 2019 00:00 –

28 February 2019 23:59

By 15 March 2019 18:00


1 March 2019 00:00 –

31 March 2019 23:59

By 12 April 2019 18:00


1 April 2019 00:00 –

30 April 2019 23:59

By 17 May 2019 18:00


1 May 2019 00:00 –

31 May 2019 23:59

By 14 June 2019 18:00


1 June 2019 00:00 –

30 June 2019 23:59

By 12 July 2019 18:00


1 July 2019 00:00 –

31 July 2019 23:59

By 16 August 2019 18:00


1 August 2019 00:00 –

31 August 2019 23:59

By 13 September 2019 18:00


1 September 2019 00:00 –

30 September 2019 23:59

By 18 October 2019 18:00


1 October 2019 00:00 –

31 October 2019 23:59

By 15 November 2019 18:00


1 November 2019 00:00 –

30 November 2019 23:59

By 20 December 2019 18:00

9.     A total of 10 winners (the “Winners”) (i.e. 1 Winner per month) will be selected via the Monthly Lucky Draw conducted on the aforementioned Draw Dates stated in section 8.

10. Each Winner shall receive 100,000 KrisFlyer miles (the “Prize”).

11. Each participant shall only be eligible to receive one Prize. Upon receiving the Prize, the Winner will not be eligible for all subsequent draws.

12. AIG reserves the sole and absolute right to, (i) disqualify any participant from his/her participation in the Promotion for any reason whatsoever; (ii) disqualify any participant from receiving any Prize; and/or (iii) require the return of any such Prizes awarded at any time. In the event of (iii), AIG reserves the right to select a new Winner for the Prize or to dispose of the Prize in any manner that it deems fit, at its sole and absolute discretion.

13. AIG’s decisions are final and binding in all matters relating to the Promotion and no correspondence will be entered into in relation to the same.

Notification and Earning of KrisFlyer Miles

14. Within 4 weeks of the aforementioned Draw Dates stated in section 8, (i) the name of the Winner of each Monthly Lucky Draw will be published on the AIG website,; and (ii) a notification email (“Notification”) will be sent to the email address which the Winner provided at the point of purchase or renewal of the Policy. No replacement Notification shall be sent if the email delivery was unsuccessful for any reason whatsoever (including if an incorrect email address was provided by the Winner).

15. The Winners must respond to AIG within 7 days of the Notification and provide his/her KrisFlyer membership number to claim his/her Prize. If for any reason whatsoever a Winner does not or is not able to claim the Prize within the stipulated timeframe, whether due to a failure to comply with the Terms, or if a Winner cannot be contacted from the details supplied, the Prize will be deemed forfeited, and AIG may select a new Winner for the Prize or dispose of the Prize in any manner that it deems fit, at its sole and absolute discretion.

16. Non-compliance with the Terms and/or the breach of any other requirements communicated by AIG to participants may result in the immediate disqualification of the participant, and the selection of a new Winner for the Prize or the disposal of the Prize in any manner that it deems fit, at AIG’s sole and absolute discretion.

17. The Winners must be existing KrisFlyer members in order to earn KrisFlyer miles. Visit to find out more about the KrisFlyer programme.

18. To be eligible to earn miles, the Winner’s details (i.e. Full Name and KrisFlyer membership number) provided must match the KrisFlyer programme records. In the event that details provided by the Winner do not match the KrisFlyer programme records, AIG may inform the Winner via email to make the necessary amendments.

19. The KrisFlyer miles earned will be credited into the Winner’s KrisFlyer membership account within 30 days after submission of the KrisFlyer membership number.

20. AIG is not responsible for the erroneous crediting of miles if the same is due to the provision of incorrect information (including, but not limited to, KrisFlyer membership number) by the Winner.

21. The Promotion is strictly based on the abovementioned eligibility criteria. No appeals will be entertained.

22. Upon redemption of the Prize, Winners will not be allowed to cancel the Policies for the entire Policy period agreed at the time of purchase or renewal of the said Policies. If the Policy is cancelled at any time after KrisFlyer miles have already been credited into the Winner’s KrisFlyer membership account, AIG reserves the right to claw back all KrisFlyer miles which were credited to the Winner pursuant to the Promotion, in respect of the cancelled Policy.

23. AIG is not the supplier of KrisFlyer miles. The use and redemption of KrisFlyer miles is subject to terms and conditions imposed by Singapore Airlines Limited and/or SilkAir (Singapore) Private Limited. For details, please refer here. Any enquiry or complaint regarding the KrisFlyer miles or the goods redeemed by / service relating thereto should be directed to Singapore Airlines Limited and/or SilkAir (Singapore) Private Limited.


24. Prizes awarded in the Promotion may not be exchanged for cash or any other items, provided that AIG reserves the absolute right to substitute a Prize with another prize of similar value at its sole and absolute discretion. The Prize is not transferable. AIG’s decision regarding the award of all prizes, and/or in every situation relating to the Promotion (including any situation not covered in these Terms), shall be final and binding on all participants, and no queries, challenges or appeals may be made or entertained.

25. To the extent permitted by law, no representations or warranties are made as to the quality, suitability or merchantability of any prize (or any part of it) awarded as part of the Promotion. Acceptance of any Prize shall, to the extent permitted by law, constitute a full release and discharge of AIG by the Winner from any and all liability, claims, demands, and/or actions which the Winner may have, whether known or unknown at the present time, of any nature whatsoever, arising out of or relating to: (i) the Promotion, (ii) personal injury and/or property damage, theft or loss suffered by the Winner as a result of the use and/or enjoyment of the Prize, and/or (iii) any tax liabilities arising out of, in connection with or in any way relating to, the Promotion, the Prize and/or use or enjoyment of the same.

Use of Participant’s Submitted Information

26. Each participant hereby grants his/her consent to AIG:

a.     collecting personal data/information about him/her in respect of his/her participation in the Promotion (“Personal Data”);

b.     processing Personal Data for purposes contemplated under the Promotion; and

c.     disclosing Personal Data AIG’s related companies and other third parties who may need access to such Personal Data in order to carry out the implementation and administration of the Promotion.

27. Acceptance of any Prize shall constitute consent by the Winner to allow the use of the Winner’s names, images, voices and/or likenesses by AIG for editorial, advertising, promotional, marketing and/or other purposes without further compensation except where prohibited by law.


28. Each participant shall indemnify AIG and their agents, employees, representatives, associates, affiliates, parent and subsidiary companies, associates and partners against any and all claim, losses, costs, damages, liability and expenses arising out of the participant’s breach of any of these Terms.

29. By participating in the Promotion, to the extent permitted by law, each participant expressly releases and discharges AIG from any and all liability, claims, demands, and/or actions which the Winner may have, whether known or unknown at the present time, of any nature whatsoever, arising out of, in connection with or in any way relating to the Promotion.

30. If for any reason this Promotion is not capable of being carried out as planned, due to, without limitation, infection by any computer virus, bugs, tampering, unauthorised intervention, fraud, technical failure, act of God, war (whether or not declared), political coup or insurrection, rebellion, labour dispute, fire, epidemic, storm, flood, typhoon, explosion, legal enactment, government directive, order or regulation, any law or regulation having force of law or any other reason or cause beyond the control of AIG, which corrupts or affects the administration security, fairness or integrity or proper conduct of the Promotion, AIG reserves the right in its sole and absolute discretion to cancel, terminate, modify or suspend the process for the Promotion without liability to any participant whatsoever, and to disqualify any individual who tampers with the entry process.

31. AIG is not responsible for, and will not accept nor entertain any correspondence relating to, any problems or technical malfunction of any telephone network or lines, computer on-line systems, servers, or providers, computer software and/or equipment, failure of any e-mail account or any combination thereof that relates to or affects a participant’s participation in the Promotion.

Modification of Terms

32. Without liability and responsibility to all participants, AIG shall be entitled at its sole discretion, to terminate or modify the Promotion or to modify the Terms at any time during the Promotion Period. The revised Terms (if any) shall be published on AIG’s website,

Limitation of Liability

33. AIG shall not be liable for any loss or damage whatsoever which is suffered (including but not limited to direct or consequential loss) or for any personal injury suffered or sustained in connection with the use of any prizes except for any liability which cannot be excluded by law.


34. The Terms shall be governed and construed according to the laws of Singapore. By participating in Promotion, each participant submits to the exclusive jurisdiction of the courts of Singapore in the determination of any matter or dispute arising in connection therewith.

- End of Terms and Conditions -