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

In the face of unforeseen health challenges, On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift covers 115 diseases, providing critical illness protection to cater for your evolving health needs.

Apart from critical illness protection, On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift provides 2 tiers of ICU Protection Benefit for various health needs and situations.

Under the 1st tier ICU Protection Benefit, an advance payment equivalent to 20% of the Initial Sum Assured will be paid if the insured has stayed in the ICU for 72 or more consecutive hours.

Under the 2nd tier ICU Protection Benefit, an advance payment equivalent to 100% of the Initial Sum Assured (less any advance payment already paid under the policy) will be paid if the insured has stayed in the ICU for 120 or more consecutive hours with the use of invasive life support, and undergoes a complex surgery during the same hospital confinement which is classified as complex in the Schedule of Surgical Procedures under VHIS.

If the insured is diagnosed with an early-stage critical illness at age 65 or above and after the policy is paid up, provided no advance payment has been paid under the policy, apart from the Early-Stage Critical Illness Benefit, AIA will also pay an advance payment as Double Early-Stage Critical Illness Payout Benefit at the same time.

The Double Early-Stage Critical Illness Payout Benefit is equivalent to the Early-Stage Critical Illness Benefit payable, subject to the maximum limit of US$25,000 per policy and the maximum per life limit of the relevant early-stage critical illness diagnosed.

The Double Early-Stage Critical Illness Payout Benefit can be paid once under the policy. This benefit helps the insured to focus on the road to recovery by providing the financial support needed.

Some critical illnesses could impact your living standard and financial stability. The plan’s 10X Multiple Critical Illness Benefit provides you with extra support against serious health challenges including cancer, heart attack, stroke, Alzheimer’s disease / Irreversible organic degenerative brain disorders and Parkinson’s disease.

Once the total advance payment(s) paid under your policy have reached 100% of the Initial Sum Assured, the 10X Multiple Critical Illness Benefit will pay up to 10 additional claims in total for cancer, heart attack, stroke, Alzheimer’s disease / Irreversible organic degenerative brain disorders and Parkinson’s disease.

Each claim under the 10X Multiple Critical Illness Benefit is equivalent to 100% of the Initial Sum Assured, and the maximum total benefits payable under the 10X Multiple Critical Illness Benefit is up to 1,000% of the Initial Sum Assured. The cover period of the 10X Multiple Critical Illness Benefit is up to age 85 of the insured.

Once a cancer claim is paid under the major illness benefit or 10X Multiple Critical Illness Benefit, if the insured (i) is still suffering from cancer on or before age 85, and (ii) is still receiving Active Treatment for such cancer unless such cancer is a terminal cancer as confirmed by a registered specialist doctor, after a 1-year waiting period^ , you can opt to claim a monthly payment of 5% of the Initial Sum Assured under the Continuous Cancer Income Option up to 100 months or up to age 85 of the insured, whichever is earlier. This benefit provides you with the financial support and flexibility needed to manage the ongoing medical expenses and any income loss.

Once any monthly payment under the Continuous Cancer Income Option has been paid, 10X Multiple Critical Illness Benefit will no longer be paid for any cancer under the policy.

^{^}1-year waiting period after the diagnosis of the previous cancer (for which payment under the major illness benefit or 10X Multiple Critical Illness Benefit is made).

Alzheimer’s disease and Parkinson’s disease are common degenerative brain disorder diseases. Getting diagnosed early and receiving ongoing treatment may help slow down the progression of the disease.

On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift offers a lifelong annuity benefit to support the cost of long-term care for degenerative brain disorders.

Once a claim due to diagnosis of the Alzheimer’s disease / Irreversible organic degenerative brain disorders or Parkinson’s disease on or before age 85 is paid under the major illness benefit or 10X Multiple Critical Illness Benefit, after a 1-year waiting period, AIA will pay an additional 6% of the Initial Sum Assured every policy year until the insured passes away or the policy is terminated.

Congenital conditions may remain undetected for years and may develop into a critical illness in adulthood. However, typical insurance products often do not cover these eventualities. On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift provides your children with cover for critical illnesses caused by congenital diseases even if symptoms remain undetected upon policy issuance, protecting you from the impact of life-changing discoveries.

The Current Sum Assured will be reduced by all advance payment(s) paid for major illness, minor illness, early stage critical illness, severe child disease, juvenile disease under Child Development Protector (applicable to On Your Side Insurance Plan 2 – First Gift only) and ICU Protection Benefit, while the balance of regular premiums payable under the basic policy will be reduced accordingly based on the reduced Current Sum Assured.

Once the total advance payment(s) paid under your policy have reached 100% of the Initial Sum Assured, the balance of regular premiums payable under the basic policy will be waived. Add-on plans (if any) attached to the basic policy will remain in force and continue to provide cover if their respective premiums continue to be paid.

On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift provides you and your loved ones with peace of mind. If the policy has been in-force for at least 2 years, in the unfortunate event that the parent of an insured child (who is either the policy owner or contingent owner) or the spouse of an insured adult (who is either the policy owner or beneficiary) passes away before the age of 75, the balance of regular premiums payable under the On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift basic policy will be waived according to the Waiver of Premium on Death (Parents)^@ or the Waiver of Premium on Death (Spouse)^@, which will help ease financial burden while not affecting the coverage and the values of the policy.

^@The Waiver of Premium on Death (Parents) is only applicable to (i) On Your Side Insurance Plan 2 – First Gift and (ii) On Your Side Insurance Plan 2 with insured under the age of 18 at policy application. The Waiver of Premium on Death (Spouse) is only applicable to On Your Side Insurance Plan 2 with insured aged 18 or above at policy application.

During the first 10 policy years of your policy, when major illness benefit, minor illness benefit, 2nd tier ICU Protection Benefit or death benefit is paid, AIA will also provide an additional payment equivalent to a percentage of the Coverage Booster Benefit Amount as follows:

(i) If minor illness benefit is paid, 50% of the Coverage Booster Benefit Amount will also be paid.

(ii) If major illness benefit, 2nd tier ICU Protection Benefit or death benefit is paid, 100% of the Coverage Booster Benefit Amount will also be paid, after deducting the amount already paid under the Coverage Booster

The Coverage Booster Benefit Amount is based on the insured’s age at application:

The Coverage Booster provides additional protection in the first 10 policy years under On Your Side Insurance Plan 2 – First Gift which will give parents extra support after their insured child’s birth.

On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift offers a guaranteed cash value to help you accumulate wealth.

Once the basic policy has been in force for 5 years, AIA may declare a non-guaranteed Terminal Bonus (if any) to you at least once per year and the Terminal Bonus (if any) may be paid in the event of policy surrender, death of the insured, or when advance payment is paid for major illness, minor illness, early stage critical illness, severe child disease, juvenile disease under Child Development Protector (applicable to On Your Side Insurance Plan 2 - First Gift only) or ICU Protection Benefit.

Terminal Bonus (if any) is a non-cumulative, non-guaranteed bonus, the amount of which is valid until the next declaration. The amount in each declaration may be greater or less than the previous amount based on a number of factors, including but not limited to investment returns, general market conditions, claims experience and other factors.

Payment of the Terminal Bonus is not guaranteed. AIA determines the amount based on actual experience and it may vary based on the above factors. In the case of policy surrender, it may be less compared to other situations. Under certain circumstances, it may be zero.

On Your Side Insurance Plan 2 – First Gift provides the insured newborn child with critical illness coverage that begins right after birth.

During the pregnancy stage, On Your Side Insurance Plan 2 – First Gift provides the expectant mother instant protection. After birth, the newborn child takes over from the mother as the insured of the policy and will be covered by the benefits under On Your Side Insurance Plan 2 – First Gift. These benefits include the Severe Jaundice Benefit, the Waiver of Premium for Down Syndrome, the Child Development Protector^# and the Cord Blood Stem Cell Transfusion Benefit.

^#Under the coverage of Child Development Protector, your insured child will be covered until he / she reaches age 18.

At the start of your policy, you can choose a premium payment structure that aligns with your financial situation and needs. You can either (i) pay regular premiums throughout the premium payment term, or (ii) pay regular premiums during the premium payment term together with a top-up premium paid at policy inception - the total amount of premiums payable will be lower and the guaranteed returns will be higher in the earlier years of your policy under this payment option^* , giving you greater control over financial planning.

Pay regular premiums only

Regular premium will be paid for each policy year throughout the premium payment term.

Pay regular premiums together with a top-up premium

Regular premium will be paid together with a top-up premium at policy inception. After the 1st policy year, regular premium will be paid for each policy year throughout the premium payment term.

^*The amount of top-up premium for a policy is determined by AIA and cannot be adjusted on individual basis. Once top-up premium payment option is selected, it cannot be cancelled or changed.

Top-up Premium Protector

If you have chosen the option to pay top-up premium in addition to regular premiums, you will be protected under the Top-up Premium Protector in the first 5 policy years. If any of the below specified benefits is paid, or the balance of regular premiums of the basic policy is waived pursuant to any of the below specified waiver of premiums benefits, AIA will pay an amount up to 100% of the top-up premium as Top-up Premium Protector, subject to the Sum Assured Factor Percentage and the Policy Year Factor Percentage as described below.

Policy Year Factor Percentage:

Top-up Premium Protector will be paid to the policy owner, except Top-up Premium Protector will be paid to the beneficiary if Top-up Premium Protector is paid as a result of payment of the death benefit. The Top-up Premium Protector will terminate when the total advance payments paid under the basic policy reach 100% of the Initial Sum Assured.

The death benefit will include:
i) Current Sum Assured; and
ii) a one-off non-guaranteed cash amount (if any), called Terminal Bonus, provided that the policy has been in force for 5 years or more.

• For insured aged 180 days or below upon death, the above will not be applicable and the death benefit will instead be the higher of: