Covers 54 critical illnesses (which include 53 major illnesses and 1 minor illness), 39 early stage critical illnesses and 7 severe child diseases.

Offers guaranteed cash value and any non-guaranteed Annual Dividends (if any). Such Annual Dividends shall be credited to your policy at the end of each policy year to help you accumulate wealth.

Also, once the basic policy has been in force for 10 years or more, it will provide you with a non-guaranteed Terminal Dividend (if any)

Future premium will be waived if the insured becomes totally and permanently disabled before the age of 60. If the insured is from the People’s Republic of China or is a juvenile, future premium will be waived in the event of presumptive disability.

Subject to underwriting decision.

3 choices of premium payment terms to suit your needs including 10 / 18 / 25 years

ICU care is not only just for critical illnesses, but in events such as injuries, infectious diseases, or unusual life-threatening diseases like COVID-19 are also sending patients to the ICU for invasive life support, which is why On Your Side Plan provides 2 tiers of ICU Protection Benefit.

Under the 1st tier ICU Protection Benefit, you could receive an advance payment of 20% of the Initial Sum Assured if the insured has stayed in the ICU and is on invasive life support for 72 or more consecutive hours.

If the ICU stay is outside of Hong Kong and Macau, the benefit payable under the 1st tier will be adjusted to 10% of the Initial Sum Assured.

Under the 2nd tier ICU Protection Benefit, you could receive an 100% of the Initial Sum Assured, less any advance payment paid, if the insured has stayed in the ICU with invasive life support for 120 or more consecutive hours and undergoes a complex surgery defined under the Voluntary Health Insurance Scheme (“VHIS”) Schedule of Surgical Procedures.

To give you extra cover for cancer, heart attack, stroke and Alzheimer’s disease / Irreversible organic degenerative brain disorders, the plan protects you with the Selected Critical Illness Septuple Benefit to ease your financial burdens on your road to recovery.

Once you have claimed 100% of the Initial Sum Assured, no further premium will be required. Subsequently, the Selected Critical Illness Septuple Benefit will pay up to 7 claims in total for cancer (including a continuation, metastasis or recurrence of a previous covered cancer or a new covered cancer), heart attack, stroke and Alzheimer’s disease / Irreversible organic degenerative brain disorders – each for 100% of the Initial Sum Assured.

The benefit term under the Selected Critical Illness Septuple Benefit is up to age 85 of the insured. Together with the major illness benefit, the maximum number of claims cannot exceed the limitations for corresponding diseases.

The waiting period between each claim will be 1 year, except where the previous and subsequent claims are both for cancer, in which case it will be 3 years.

Once a cancer payment is paid under the major illness benefit or Selected Critical Illness Septuple Benefit, you may select the Continuous Cancer Income Option, which gives you the flexibility to receive monthly payouts for offsetting ongoing medical costs and loss of income.

After just a 1-year waiting period, if the insured is still suffering from cancer and is still receiving active treatment or if the cancer is classified as terminal cancer, you can opt to claim a monthly income of 5% of the Initial Sum Assured up to 100 consecutive months or up to age 85 of the insured, whichever is earlier.

The aggregate amount of all benefits paid and payable for eligible claims for cancer under the major illness benefit, Continuous Cancer Income Option and Selected Critical Illness Septuple Benefit is up to 600% of the Initial Sum Assured.

Once the benefit of Continuous Cancer Income Option has been paid, no Selected Critical Illness Septuple Benefit shall be payable for any cancer.

This plan provides lifelong annual benefit to support the cost of long-term care for degenerative brain disorder.

Once a claim due to diagnosis of the Alzheimer’s disease / Irreversible organic degenerative brain disorder is paid under the major illness benefit or Selected Critical Illness Septuple Benefit and upon a 1-year waiting period after meeting a specific condition^, AIA will pay an additional 6% of the Initial Sum Assured every year (until the insured passes away).

^{^}Evidenced with a Mini Mental State Examination score of 10 or less out of 30 before the policy anniversary on or immediately following the 85th birthday of the insured with continuous proof of survival.

Once your claims reach 100% of the Initial Sum Assured, the subsequent premiums of the basic policy will be waived. Add-on plans (if any) attached to the basic policy will remain in force and provide cover if their respective premiums continue to be paid.

To safeguard the continuity of the children’s insurance cover, parents always seek for payor insurance. On Your Side Plan / On Your Side Plan – First Gift provides waiver of premium benefit if the parent unfortunately passes away as the policy owner with no additional premium and no health information of the payor required to save your hassle (i.e. the policy owner).

Congenital conditions may remain undetected for years and could develop into a critical illness in adulthood. However, typical insurance products often fail to cover these eventualities. On Your Side Plan / On Your Side Plan – First Gift provides your children with thorough cover for critical illnesses related to congenital diseases even if symptoms remain undetected upon policy issuance, protecting you from the impact of life-changing discoveries.

During the first 10 years of the policy, AIA will provide the Coverage Booster – applicable to 58 critical illnesses, the 2nd tier ICU Protection Benefit or the death benefit, where applicable, with no extra premium required. The Coverage Booster will not be reduced by any advance payment for early-stage critical illnesses, severe child diseases and the 1st tier ICU Protection Benefit.

Upgraded protection for the first 10 years under On Your Side Plan will entitle the insured to:

On Your Side Plan / On Your Side Plan – First Gift offers a guaranteed cash value to help you accumulate wealth.

Once the basic policy has been in force for 5 years, On Your Side Plan / On Your Side Plan – First Gift also declares a non-guaranteed Terminal Bonus (if any) to you at least once per year so you may grow your savings. The correspondence Terminal Bonus (if any) will be paid upon policy surrender, death of the insured, or pay out the benefits for major illness, minor illness, early stage critical illness, severe child disease or ICU Protection Benefit (both 1st Tier and 2nd Tier inclusive).

On Your Side Plan – First Gift is designed especially for parents-to-be who want to cover baby from day one after birth. Applications can begin from the 22nd week of pregnancy, so they can have protection even if there are undetected congenital conditions. After birth, the child will take over as the insured from the mother and will be covered with the benefits under On Your Side Plan.

Give your child a head-start in life with the precious gift of critical illness protection and savings from birth. By taking up On Your Side Plan – First Gift during your pregnancy, your unborn baby will enjoy immediate coverage with 20% of the covered illness benefit amount within 90 days after the later of the issue date of the policy or the date of birth*, with full cover commencing 90 days after the later of the issue date of the policy or birth so that your child will still be protected even if a congenital condition is discovered. Savings under the plan will also begin accumulating from the time they are in the womb – and continue growing with your child into adulthood.

The baby’s birth certificate is required to be submitted by 14 days before the first policy anniversary. Otherwise, the policy will terminate on the first policy anniversary.

In the unfortunate event of a miscarriage, stillbirth, the passing of both the mother and baby, or a pregnancy termination that is recommended by a registered specialist doctor, 105% of the total premiums paid will be paid and the policy will be terminated.

^*Full cover commences 90 days after birth.

4 choices of premium payment terms to suit your needs including 10 / 18 / 25 / 30 years