• SM Advantage Privileges AIG Insurance

AIG Insurance


Please be advised that the AIG Program with SM Advantage has been discontinued last April 2017. All members who previously opted-in or renewed their AIG Insurance on its final month shall still be covered until April 2018. This page is being maintained for their reference.


SM Advantage’s new partner in securing your future is Pioneer Insurance. Should you wish to opt-in or renew, please click here to know more.


Get a one year AIG Comprehensive Personal Accident Insurance program for only 20 SMAC points

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  • 24-hour coverage, 365 days a year worldwide
  • Accidental Death or Disability Benefit
  • Unprovoked Murder and Assault Coverage
  • Accidental Burial Expense Reimbursement

*You must be aged 18 to 70 years old to be eligible to the program.


Get a one year AIG Personal Accident and Travel Insurance program for only 40 SMAC points

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  • Up to P150,000 Upgraded Comprehensive Personal Accident Insurance: Grants cash benefits for losses caused by death or injury due to accident for one year
  • Up to P2,500,000 Upgraded Travel Personal Accident Insurance: Provides coverage to members travelling anywhere outside the Philippines up to a maximum of 15 days
  • Travel Inconvenience Benefit: Up to a maximum of 15 days each time the insured travels within one year of enrollment
  • Reimbursement for Loss/Damage to Baggage up to P20,000 while travelling outside the Philippines
  • Medical Expense Reimbursement up to P5,000 for reasonable and customary expenses incurred due to sickness and accidents suffered while travelling
  • Reimbursement up to P1,000 for every 12-Hour Flight Delay
  • Reimbursement up to P1,000 for every 12-Hour Luggage Delay
  • 24-Hour Emergency Hotline Access while travelling - Just call (632) 8781280 (Philippines) or (603) 27725672 (Malaysia)

*You must be aged 18 to 70 years old to be eligible to the program.

*Review and consideration of members’ eligibility is done every 15th of each month. Effectivity commences on the 16th of the same month.