AIG vs 
HUB International: How Do They Compare for Employee Health Benefits?
What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 4,5,6
What Are Employee Health Benefits?
Employer health benefits give eligible staff access to medical care through a group plan or another employer arrangement. When setting a budget or renewing, compare eligibility, provider networks, employee contributions and total cost. 8,9,10,11,12
Key Differences in Employee Health Benefits
Supplemental policy or benefits program design
AIG sells Medical Indemnity as supplemental group insurance that complements, rather than normally replaces, major medical. HUB brokers and consults on employee health and benefits, helping employers manage cost, design plans, and engage employees around the coverage they place. HUB says it serves organizations of varied sizes and industries and can provide actuarial, absence-management, pharmacy, and compliance services. Employers should separate the choice of an insurance benefit from the work of designing an overall benefits program. 3 7
Benefits and quote details
AIG describes benefits for covered diagnostic conditions and a paperless portal with claims integration. HUB’s advisory page describes analytics and plan-design services, but not a standard health policy, named insurer, network contract, or benefit schedule for an individual employer. An employer can ask HUB to identify available carrier plans and ask AIG for the certificate, benefit amounts, covered conditions, and claim steps. Compare the specific plan documents rather than treating broker services as insurance terms. 3 7
What to Confirm in Employee Health Benefits Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG
Review Score
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsHUB International
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsOffering Details
AIG vs HUB International: Employee Health Benefits: documented features by provider
| Criteria | AIG Medical Indemnity Supplemental Health Benefits | HUB International Employee Benefits Brokerage and Consulting |
|---|---|---|
| Role in This Line | AIG markets Medical Indemnity as a supplemental group health insurance product through its Accident & Health Corporate Risk channel. It complements employer health benefits and does not replace major medical coverage by default. 3Company-reported. Role in this product is limited to the description on the linked AIG source. | HUB brokers and consults on employee health and benefits programs rather than insuring them itself, offering cost management, plan design and employee-engagement services around the placed coverage. 7Company-reported. Employee benefits product page, read 2026-09-23. The page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The employee-benefits product page does not name specific insurers or carriers; the issuing carrier for a benefits program depends on the placement. 7Not found in reviewed sources. Checked the employee-benefits product page on 2026-09-23. |
| Who It’s For | AIG describes an employer-group supplemental health plan with contributory, voluntary and fully employer-paid options. It is not a comprehensive medical plan catalogue, and the page does not state a complete employer or state eligibility schedule. 3Company-reported. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability. | HUB markets employee-benefits brokerage to organizations of varying sizes across a wide range of industries, listing 14 featured sectors such as construction, education, healthcare, hospitality, life sciences and technology, plus 30-plus additional sectors. 7Company-reported. Product-page industry list; not a published underwriting appetite or size threshold. |
| Coverage Features | AIG describes supplemental benefits tied to covered diagnostic conditions and says benefits are not contingent on accident or hospitalization. It lists more than 13,000 covered conditions on the page; policy definitions and exclusions control. 3Company-reported. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations. | Confirm in your quote. |
| Limits and Retentions | The public product page does not provide the plan schedule or benefit amounts for a particular employer. Confirm amounts, covered conditions and state availability in the employer’s issued certificate and policy. 3Not publicly disclosed. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy. | No published pricing, plan minimums or funding thresholds for HUB-brokered employee-benefits programs were found on the product page. 7Not publicly disclosed. Checked the employee-benefits product page on 2026-09-23; premiums and plan terms depend on the employer's census and the carrier's underwriting. |
| Risk Services | AIG describes a paperless employer portal, claims integration through partner Ansel and a self-submitted claim process with a benefit determination target within 72 hours after a completed claim. Partner claim integration is not a coverage guarantee. 3Company-reported. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed. | HUB says it helps employers manage benefits costs through multi-year cost-driver planning, absence management, actuarial and financial consulting, healthcare cost management, pharmacy benefits management and compliance support. 7Company-reported. Product-page "Manage Costs" section. HUB says it personalizes benefit plans through benefits analytics, employee retirement plans, executive and global benefits, voluntary benefits and strategic benefits planning, and helps engage employees through benefits communication, health and performance programs, and workforce technology tools. 7Company-reported. Product-page "Personalize Benefits" and "Engage Your People" sections. |
| How to Apply | Confirm in your quote. | HUB directs prospects to "Talk to an Employee Benefits Broker" rather than an online quote or enrollment flow on this page. 7Company-reported. Product-page call to action. |
Full Comparison
More AIG vs HUB International Comparisons
Other Employee Health Benefits Comparisons
Sources
AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- AIG Medical Indemnity Insurance. AIG; Official AIG Medical Indemnity page: supplemental employer-group product, condition-triggered benefits, plan design and employer administration, claims integration and stated benefit-determination process; page gives policy/state caveat. Accessed 2026-09-30.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Employee Benefits Brokers and Consulting Services. HUB International; An Employee Benefits Broker for Changing Times; Manage Costs, Personalize Benefits, Engage Your People sections; featured and additional industry list; Talk to an Employee Benefits Broker call to action. Accessed 2026-09-23.
Employee Health Benefits Guide
- Health Insurance Basics. Centers for Medicare & Medicaid Services; PDF p.1: What is health insurance? What is a health insurance plan?; PDF p.2: Self-Insured Employer Plans vs. Fully-Insured Plans. Accessed 2026-09-16.
- Health Insurance for Businesses. HealthCare.gov / CMS; Group health insurance coverage; Health reimbursement arrangements. Accessed 2026-09-16.
- Your Total Costs for Health Care: Premium, Deductible, and Out-of-Pocket Costs. HealthCare.gov / CMS; Your total costs for health care; Compare estimated total costs for plans. Accessed 2026-09-16.
- How to Offer SHOP Health Insurance to Your Employees. HealthCare.gov / CMS; Making a SHOP health insurance decision; Choosing a stand-alone dental plan; How to enroll through SHOP; Paying premiums & managing coverage; How to renew. Accessed 2026-09-16.
- 3 Things to Know Before You Pick a Health Insurance Plan. HealthCare.gov / CMS; How do I get details on plans?; Plan and network types. Accessed 2026-09-16.
