Sapphire Enhanced FAQs

For most policies, the eligible ages are from 16 to 70 years old. The policy is renewable up to the age of 75.

No, the premiums for Personal Accident policies will not increase with age.

Sapphire Enhanced can be purchased via the following channels: 

In the event of an accident, download the Personal Accident and Sickness Claim Form. 

Please complete the claims form and send it to us with all relevant supporting documents. To ensure the prompt processing of your claim, do attach originals of all supporting documents (e.g. medical reports, receipts/invoices, police reports in the event of a motor accident with resultant injuries), and certified true copies of death certificates and/or post mortem reports (if a fatality is involved).

If you are claiming for hospital cash benefits where original copies have to be submitted to an employer, you may submit certified true copies of the medical bills. 

Please visit our Claims page for more information on the claims procedures.

You need to be:

• Residing in Singapore, and
• A Singapore citizen, Permanent Resident, or pass holder (e.g. Employment Pass, Long-Term Visit Pass, Student Pass, etc.).

You must be between 16 to 70 years old to buy this plan. This plan is renewable up to age 75.

Yes. Sapphire Enhanced covers participation in hazardous sports such as scuba diving, rock climbing, skiing, etc. as long as these activities are done on a leisure basis.

Sapphire Enhanced does not cover you if you:

• Engage in a sport in a professional capacity.
• Earn an income or remuneration from engaging in the sport.
• Engage in aerial activity other than as a passenger in any properly licensed private and/or commercial aircraft.
• Driving or riding as a passenger in or on any vehicle engaged in any race, speed test or endurance test.

Yes. We cover accidental death or injury as a result of an act of terrorism, subject to the terms, conditions and exclusions of the selected Sapphire Enhanced Plan.

Yes. The policy covers peacetime reservist training for a period not exceeding 40 days.

Yes. The policy will cover you in the event of injury caused by insect bites and dengue fever.

Yes. Sapphire Enhanced will cover you if you suffer from food poisoning.

The surviving spouse will still be covered under the policy and the policy will not be cancelled.

In this instance, we will adjust the premium accordingly for the surviving spouse and children to continue receiving coverage under the policy.

Yes. You are eligible to purchase Sapphire Enhanced as the plan provides 24/7 worldwide coverage.

However, you need to inform AIG if:

• You are away from Singapore for more than 183 consecutive days.
• You no longer maintain an address in Singapore.

No. We are unable to issue individual policies with an organisation / company listed as the policyholder. However, if the company has a minimum of five employees, it may wish to consider taking up our Group Personal Accident policy – Esteem Personal Accident – instead. This policy will enable the company to have their corporate entity listed as the policyholder. Please contact us for more details.