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I am years old, , with child(ren), working as a/an
My spouse is years old, working as a/an

If your occupation is not in the list, or you are not between 16 to 65 years old, please contact us here.

Sapphire Enhanced Choices lets you choose your coverage with add-ons to reflect your way of life

As a Personal Accident insurance plan, Sapphire Enhanced Choices covers you for accidental death, permanent disability, insect bites, food poisoning, infectious diseases, medical costs, and more.


Key Benefits

Hassle-free enrollment

Get immediate coverage through our easy application process, without the need for a medical examination

Free coverage for your little ones

If you and your spouse are both insured under a single Sapphire Enhanced Choices policy, your children will enjoy free coverage of up to 25% of selected benefits

Coverage for bites and food poisoning

Receive up to S$250 per day while you are hospitalised, and up to S$10,000 reimbursement for in and outpatient medical treatment for animal and insect bites, including dengue fever, and food poisoning

Temporary disability benefit

In the event you sustain an injury resulting in Temporary Total Disablement, we will provide up to S$400 or 75% of your weekly income each week

Choice of add-ons

Wide range of add-on benefit options available to best reflect your way of life

Available Add-Ons

Pet care

During your hospitalisation, we will pay S$50 per day for the cost of placing your cat or dog at a kennel, cattery, or pet hotel

Reimbursement of event tickets

Should you be unable to attend or need to cancel a paid event as a result of hospitalisation due to injury, we will pay up to S$300 for the non-refundable cost of your event ticket

Damage to personal effects

If the personal items that were with you at the time of accident resulting in your hospitalisation were damaged, lost or stolen, we will provide cover up to S$500

Physiotherapy reimbursement

If your doctor recommends physiotherapy as part of your accident recovery, we will cover the costs of the sessions for up to S$100 per visit and up to a maximum of S$300 per accident

Complementary or alternative medicine

If you prefer to receive traditional chinese medicine (TCM) treatment, we will reimburse you up to S$750 for the cost of TCM treatments related to your accident

Daily hospital income

Reduce the financial impact of a lengthy hospital stay with cash payments of up to S$100 per day of hospitalisation due to illness

Lifestyle maintenance benefit

Minimise the impact on your loved ones’ lifestyle with a one-time payment of up to S$25,000 in the event of accidental death

Child support fund

In the event of accidental death, we will provide up to S$25,000 for each dependent child to support them during their time of need

Protection against critical illness

For an affordable additional premium, receive up to S$80,000 coverage for major cancer, heart attack, stroke, kidney failure, and coronary artery bypass surgery – these five conditions make up 90% of critical illness cases

The statement below only applies to Basic Benefits:

This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AIG Asia Pacific Insurance Pte. Ltd. or visit the AIG, GIA or SDIC web-sites ( or or


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