One of the benefit in getting an SM rewards card or SMAC is the ability to opt-in to a comprehensive personal accident insurance with their partner, AIG Insurance.

For SMAC holders, get a one year AIG Comprehensive Personal Accident Insurance program for only 20 SMAC points.

• 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.

UPDATED: May 12, 2017


SM Prestige Cardholder, get a one year AIG Personal Accident and Travel Insurance program for only 40 SM Prestige points.

• 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.