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Life Insurance

Accident & HealthCare Protection

Life happens and with it comes unexpected costs. An accident & healthcare protection plan ensures you and your loved ones are taken care of during emergencies. Explore a wide range of curated policies today.

>50% of people do not have medical insurance 6
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How much protection do you need

  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

How much have you currently saved and within what time frame do you want to achieve your savings goal

HK$
HK$

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  • The “first pot of gold” has risen from HK$2 million to HK$2.4 million4,5
  • The 3 most important savings goals are to travel around the world, own an apartment and retire early4,5
  • People hold almost 60% of personal assets in cash and deposits but these assets do not keep pace with inflation4,5
  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

How are you planning for your children's education

HK$
My child is

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  • 90% of parents aim to support their children through university1
  • Parents plan to save HK$440,000 per child1
  • Parents have a gap of 60% between their initial savings goal and the actual cost of education1
  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

How much life insurance do you already have?

HK$

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  • 74% of people are concerned about the risk of heart disease and cancer6
  • 74% of people feel their health is not as good as it was five years ago6
  • The main source of stress are work pressure (77%); financial worries (75%); managing family needs (72%)6
  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

How much have you set aside for your retirement?

HK$

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  • 65% of people are not confident that they will achieve their desired retirement goals2
  • The average retirement age for people in HK is 61 years old2,3
  • The median desired spend after retirement for people in HK is HK$13,386 per month2
  1. Savings
  2. Education
  3. Protection
  4. Retirement
  5. Personal Details
  6. Result

Tell us about yourself

1. Whats your gender?
2. Is your spouse currently working?
3. How old are you?
4. What is your monthly income?
HK$
5. How many dependents rely on you, excluding children

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Ammount needed for HK$ 24,000,000

Total Gap: HK$ 24,000,000

Savings Gap

Education Gap

Life Protection Gap

Retirement Gap

You’re looking to build the future you dream of. Our advisors are ready to help you achieve it.

  • 75% of people do not seek help from a financial advisor to formulate an investment or retirement plan7
  • Almost 70% of people have no idea about their investment returns7

Critical Illness Protection


AIA Prime Care Pro 2 is a participating insurance plan that provides you with life insurance, critical illness protection and potential wealth accumulation. You also enjoy broad cover for early stage critical illnesses, giving your family greater protection for the future.

Key Features

  • Success Broad cover for 100 illnesses
  • Success Wealth accumulation for lifelong benefits
  • Success Waiver of premium
  • Success Various choices of premium payment terms
  • Success US dollars or HK dollars as policy currency
Product at a glance
Broad cover for 100 illness

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

Wealth accumulation for lifelong benefits

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)

Waiver of Premium

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.

Premium Payment Terms

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

This is a participating life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


Please refer to product brochure for details including “Key Product Risks”, “Key Exclusions”, “Premium Adjustment”, “Warning Statement”, and “Additional Important Information”.

Critical Illness Protection


AIA Protect Elevator Plus is a participating insurance plan that provides you with life insurance, critical illness protection and potential wealth accumulation, giving you and your family greater protection for the future.

Key Features

  • Success Broad cover for 100 illnesses
  • Success Upgraded protection for the first 10 years
  • Success Cancer Shield Benefit – Up to 260% of Initial Sum Assured
  • Success Wealth accumulation for lifelong benefits
  • Success Waiver of future premium in case of total and permanent disability before age 60
  • Success Various choices of premium payment terms
  • Success US dollars or HK dollars as policy currency

Product at a Glance

Broad cover for 100 illness

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

Upgraded protection for the first 10 years

During the first 10 years of the policy, the plan will provide a Coverage Booster which is an additional one-off payment only applicable to the said 54 critical illnesses or the death benefit, where applicable, with no extra premium payment required.

Insured’s Age at Policy Issue Benefit
Age 30 or below

Aggregate over the effective period up to 50% of the Initial Sum Assured

Age 31 or above

Aggregate over the effective period up to 35% of the Initial Sum Assured

Cancer Shield Benefit – Up to 260% of Initial Sum Assured

Enhances cancer coverage under the plan for continuation, metastasis or recurrence of a previous cancer or newly diagnosed cancer, each for 80% of the Initial Sum Assured. Total benefits payable may be up to a maximum of 260% of the Initial Sum Assured. Subject to terms and conditions specified in the policy contract.

Wealth accumulation for lifelong benefits

Offers guaranteed cash value to help you accumulate wealth.

Also, once the basic policy has been in force for 5 years, the plan may provide you with a non-guaranteed Terminal Bonus (if any)

Waiver of Premium

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

Subject to underwriting decision.

Premium Payment Terms

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

This is a participating life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


Please refer to product brochure for details including “Key Product Risks”, “Key Exclusions”, “Premium Adjustment”, “Warning Statement”, and “Additional Important Information”.

The Citi 3-Minute Guides

These short simple guides help you understand your financial options and how to make the right choice. See all guides

Why Life Insurance Fits into Every Financial Portfolio

Due to their regular payouts, life insurance can complement your investments, making it a valued part of holistic financial planning.

Read more

How to Pick Life Insurance

A Q&A featuring essential questions and things to consider when deciding what kind of protection you need.

Read more

Explore other Life Plans

Explore other Life Plans

Life Protection

Ensure that your loved ones are taken care of should the worst happen. Different life protection options let you grow your wealth and provide for the most important people in your life.

Learn More

Retirement Planning

Get the retirement you deserve with insurance plans that provide stable returns and protection coverage from now till your golden years. Because you should retire from work, not life.

Learn More

Legacy Planning

Realize your lifelong dreams and create an investment that yields a wealth of memories. Legacy insurance plans let you accumulate your wealth and leave a legacy for the next generation.

Learn More

Education Planning

We all wish for a bright future for our children. Start an education fund for your child today and help your little ones realize their big dreams.

Learn More

Investment Planning

Grow your wealth while ensuring you are protected against life’s twist and turns. With plans to suit every appetite, we’ll work with you to build a brighter future.

Learn More