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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$
  • 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
  • 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$
  • 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$
  • 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

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

Medical Protection


AIA CEO Medical Plan 3 / AIA CEO Medical Plan (Worldwide) 3 is a non-participating medical protection insurance plan that offers you and your family with overall lifetime cover of up to HK$50 million, global medical protection and guaranteed renewal. Enjoy reimbursement for medical expenses, hospital stays in a standard private room and enhanced caring protection.

Key Features

  • Success Cashless arrangement for hospital stay
  • Success Lifetime guaranteed renewal
  • Success Specialist network
  • Success Easy consultations with network card
  • Success No-claim deductible discount up to 100%
  • Success Uninterrupted protection even in critical situations

Product at a Glance

Overall Lifetime Limit HK$50,000,000 US$6,250,000
Annual Limit HK$20,000,000 US$2,500,000
Annual Deductible Choices HK$0 / HK$16,000 / HK$25,000 US$0 / US$2,000 / US$3,125
Geographical Cover CEO Medical Plan (Worldwide) 3 : Worldwide
CEO Medical Plan 3 : Worldwide excluding United States
 
Room Type Standard private room  
Core Benefits
  • Worldwide cover for hospital stay
  • Time-saving and convenient outpatient surgeries
  • High quality specialist network
  • Post hospitalization care
  • Extended caring protection for your specific needs, including cancer treatment, dialysis treatment and stroke rehabilitation benefits
  • World emergency treatment and worldwide emergency assistance services
 
Optional Benefits
  • Outpatient benefits
  • Dental benefits
 
Cashless arrangement for hospital stay Once the cashless arrangement service is arranged
successfully, AIA will settle directly with the private hospital the medical expenses incurred during hospital stay on your behalf.
 
Lifetime guaranteed renewal AIA CEO Medical Plan 3 / AIA CEO Medical Plan (Worldwide) 3 guarantees that your premium for renewal will not be raised for any claim you have made, or any changes in your health condition. You can renew your cover every year for life as long as this plan is still available to all existing policies.  
Specialist network

This value-added service which aims to give you extra comfort when you need further medical information or assistance provides:

  • a professional medical services specialist group
  • well-equipped day surgery centres – a safe and convenient alternative to hospitals
  • convenient centralized booking hotline
  • help with hospital admission and assistance by cashless arrangement
 
Easy consultations with network card

With your electronic network card, you can book an appointment for specified outpatient surgeries at the network clinics on a cashless basis, freeing you from settling bills and making a subsequent claim.

 
No-claim deductible discount up to 100%

If no claim (except Hospital cash benefit, Outpatient surgery benefit, Outpatient surgery cash benefit and Worldwide emergency assistance services) is made for two consecutive years, AIA CEO Medical Plan 3 / AIA CEO Medical Plan (Worldwide) 3 offers a 10% discount on your selected deductible choice in the following cover year. Such discount will accumulate every two consecutive cover years and can reach up to 100%, meaning that the deductible amount can be reduced to zero.

 
Uninterrupted protection even in critical situations

If you unfortunately have an accident during your trip outside your permanent residence country or place, including injuries resulting from acts of terrorism, the plan will cover worldwide emergency treatment expenses and provide worldwide emergency assistance services.

 

This is a non-participating medical insurance product underwritten by International Limited (Incorporated in Bermuda with limited liability)


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

Medical Protection


AIA CEO Essence Medical Plan 2 is a non-participating medical protection insurance plan that offers you and your family superb medical cover throughout Asia with guaranteed renewal, plus overall lifetime cover up to HK$25 million. Enjoy reimbursement for medical expenses, hospital stays in a semi-private room and extended caring protection.

Key Features

  • Success Cashless arrangement for hospital stay
  • Success Lifetime guaranteed renewal
  • Success Specialist network
  • Success No-claim deductible discount up to 100%
  • Success Uninterrupted protection even in critical situations

Product at a Glance

Overall Lifetime Limit HK$25,000,000 US$3,125,000
Annual Limit HK$10,000,000 US$1,250,000
Annual Deductible Choices HK$0 / HK$16,000 / HK$25,000 US$0 / US$2,000 / US$3,125
Geographical Cover Asia, including Australia and New Zealand  
Room Type For China, including Hong Kong and Macau : Semi-private room
For Asia, excluding China : Standard private room
 
Core Benefits
  • Extensive hospitalization and surgical care
  • Time-saving and convenient outpatient surgeries
  • High quality specialist network
  • Post-hospitalisation care
  • Extended caring protection for your specific needs, including cancer treatment, dialysis treatment and stroke rehabilitation benefits
  • Worldwide emergency treatment and worldwide emergency assistance services
 
Cashless arrangement for hospital stay Once the cashless arrangement service is arranged successfully, AIA will settle directly with the private hospital the medical expenses incurred during hospital stay on your behalf.  
Lifetime guaranteed renewal AIA CEO Essence Medical Plan 2 guarantees that your premium for renewal will not be raised for any claim you have made, or any changes in your health condition. You can renew your cover every year for life as long as this plan is still available to all existing policies.  
Specialist network

This value-added service which aims to give you extra comfort when you need further medical information or assistance provides:

  • a professional medical services specialist group
  • well-equipped day surgery centres – a safe and convenient alternative to hospitals
  • convenient centralized booking hotline
  • help with hospital admission and assistance by cashless arrangement
 
No-claim deductible discount up to 100%

If no claim (except Hospital cash benefit, Outpatient surgery benefit, Outpatient surgery cash benefit and Worldwide emergency assistance services) is made for two consecutive years, AIA CEO Essence Medical Plan 2 offers a 10% discount on your selected deductible choice in the following cover year. Such discount will accumulate every two consecutive cover years and can reach up to 100%, meaning that the deductible amount can be reduced to zero.

 
Uninterrupted protection even in critical situations

If you unfortunately have an accident during your trip outside your permanent residence country or place, including injuries resulting from acts of terrorism, the plan will cover worldwide emergency treatment expenses and provide worldwide emergency assistance services.

 

This is a non-participating medical insurance product underwritten by International Limited (Incorporated in Bermuda with limited liability)


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

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”.

Accident and Healthcare – Here For You Series


AIA Here For You Refundable Accident Plus is a 16-year refundable accident protection insurance plan that gives you broad coverage in the event of an accident. What’s more, AIA will refund 100% of your total premiums paid at the end of the policy term.

Key Features

  • Success Accidental Total and Permanent Disability Benefit
  • Success Accidental Medical Expenses Reimbursement Benefit
  • Success Accidental Bone-setting Benefit
  • Success Accidental Hospital Income Benefit
  • Success Accidental In-Patient Surgical Cash Benefit
  • Success Termination Benefit
  • Success Worldwide Emergency Assistance Services
  • Success HK dollars as policy currency

Product at a glance

Plan Benefit Coverage
(HK$)

Plan 1 Plan 2 Plan 3 Plan 4
Accidental Total and Permanent Disability Benefit 150,000 300,000 600,000 1,000,000
Accidental Medical Expenses Reimbursement Benefit
(per accident)
1,200 2,300 3,000 5,800
Accidental Bone-setting Benefit
(per visit, up to a maximum of 1 visit per day and 6 visits per policy year)
150
Accidental Hospital Income Benefit
(per day, up to a maximum of 90 days per accident)
250 400 450 700
Accidental In-Patient Surgical Cash Benefit
(per confinement)
1,300 2,000 2,300 3,500
Termination Benefit

Whether or not you have made any claims under the policy, once the 16-year policy term ends, you will receive 100% of your total premiums paid without interest, and the coverage will cease.

Worldwide Emergency Assistance Services

In the unfortunate event that the insured who is a Hong Kong permanent resident suffers an accident or unexpected illness while travelling outside Hong Kong, AIA will offer services including but not limited to emergency medical evacuation and repatriation, and hospitalization assistance, and a China Assist Card for assistance in Mainland China, up to a maximum total value of HK$500,000 per life limit in emergency assistance services per life. AIA also offers a 24-hour worldwide telephone enquiry service anywhere in the world.

Premium Payment Term

You will pay just 8 years of premium for 16 years of broad accident protection. Premium amounts are guaranteed to be fixed throughout the payment period, making it easy for you to budget flexibly. The premium can be paid annually or monthly.

What’s more, if you purchase AIA Here for You Refundable Accident Plus Plans for one or more members of your immediate family (i.e. spouse and/ or child) at the same time as your own plan, they will enjoy a 15% discount on their premiums for the whole premium payment term, provided that their plans are at the same or a lower level than yours.

This is a refundable accident protection insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability).


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

Accident and Healthcare – Here For You Series


AIA Here For You Refundable Hospital Cash is a 10-year refundable medical protection insurance plan that provides you with financial support while you are in hospital. With various plan levels of different coverage, this plan is designed to meet your individual needs.

Key Features

  • Success Hospital Income Benefit
  • Success Intensive Care Unit Benefit
  • Success Accidental Hospital Income Benefit
  • Success Accidental Total and Permanent Disability Benefit
  • Success Waiver of Premium Benefit
  • Success Termination Benefit
  • Success Worldwide Emergency Assistance Services
  • Success HK dollars as policy currency

Product at a glance

Plan Benefit Coverage
(HK$)

Plan 1 Plan 2 Plan 3 Plan 4
Hospital Income Benefit
(per day, up to a maximum of 730 days per policy)
300 500 1,000 1,500
Intensive Care Unit Benefit
(per day, up to a maximum of 30 days per confinement)
300 500 1,000 1,500
Accidental Hospital Income Benefit
(per day, up to a maximum of 90 days per confinement)
300 500 1,000 1,500
Accidental Total and Permanent Disability Benefit 100,000
Waiver of Premium Benefit

If the insured unfortunately suffers any of the following, AIA will waive any future premiums payable for this plan until the insured recovers or the plan terminates, whichever comes first:

  • total and permanent disability on or before the policy anniversary following the insured's 65th birthday for at least 6 months continuously;
  • presumptive disability ; or
  • inability to perform certain daily activities for at least 6 months continuously.
Termination Benefit

Whether or not you have made any claims under the policy, once the 10-year policy term ends, you will receive 80% of your total premiums paid (excluding any extra premium loading) without interest, and the coverage will cease.

Worldwide Emergency Assistance Services

In the unfortunate event that the insured who is a Hong Kong permanent resident suffers an accident or unexpected illness while travelling outside Hong Kong, AIA will offer services including but not limited to emergency medical evacuation and repatriation, and hospitalisation assistance, and a China Assist Card for assistance in Mainland China, up to a maximum total value of HK$500,000 per life limit in emergency assistance services per life. AIA also offers a 24-hour worldwide telephone enquiry service anywhere in the world.

Premium Payment Term

The premium payment term of AIA Here For You Refundable Hospital Cash is 10 years. Premium amounts are guaranteed to be fixed throughout the payment period, making it easy for you to budget flexibly. The premium can be paid annually or monthly.

What’s more, if you purchase AIA Here For You Refundable Hospital Cash plans for one or more members of your immediate family (i.e. spouse and/or child) at the same time as your own plan, they will enjoy a 15% discount on their premiums for the whole premium payment term, provided that their plans are at the same or a lower level than yours.

This is a refundable medical protection insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability).


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

Accident and Healthcare – Here For You Series


AIA Here For You Refundable Surgical Cash is a 10-year refundable medical protection insurance plan that provides coverage for surgical and rehabilitation expenses. With various plan levels of different coverage, this plan is designed to meet your individual needs.

Key Features

  • Success In-Patient Surgical Cash Benefit
  • Success Accidental In-Patient Surgical Cash Benefit
  • Success Post-Surgical Medical Expenses Reimbursement Benefit
  • Success Accidental Total and Permanent Disability Benefit
  • Success Termination Benefit
  • Success HK dollars as policy currency

Product at a glance

Plan Benefit Coverage
(HK$)

Plan 1 Plan 2 Plan 3 Plan 4
In-Patient Surgical Cash Benefit
(per confinement)
(per policy)
5,000
50,000
8,000
80,000
5,000
50,000
8,000
80,000
Accidental In-Patient Surgical Cash Benefit
(per confinement)
(per policy)
10,000
100,000
16,000
160,000
10,000
100,000
16,000
160,000
Post-Surgical Medical Expenses Reimbursement Benefit
(per day, up to a maximum of 3 days per confinement)
N/A N/A 500 800
Accidental Total and Permanent Disability Benefit 100,000
Termination Benefit

Whether or not you have made any claims under the policy, once the 10-year policy term ends, you will receive 83.34% of your total premiums paid (excluding any extra premium loading) without interest, and the coverage will cease.

Premium Payment Term

The premium payment term of AIA Here For You Refundable Surgical Cash is 10 years. Premium amounts are guaranteed to be fixed throughout the payment period, making it easy for you to budget flexibly. The premium can be paid annually or monthly.

What’s more, if you purchase a AIA Here For You Refundable Surgical Cash plan for your spouse at the same time as your own plan, he/she will enjoy a 15% discount on his/her premiums for the whole premium payment term, provided that his/her plan is at the same as or a lower level than yours.

This is a refundable medical protection insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability).


Please refer to product brochure for “Key Product Risks”, “Key Exclusions”, “Product Limitation”, “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

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Explore other Life Plans

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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.

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