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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

AIA Voluntary Health Insurance Standard Scheme


AIA Voluntary Health Insurance Standard Scheme is a government-certified medical protection plan that provides essential medical cover, with premiums that are eligible to be deducted from your annual taxable income. You may choose to access private healthcare services for treatment when you need it – for you and your whole family’s health and wellbeing.

Key Features

  • Success Government certified for your assurance
  • Success Protect your whole family and apply for a higher tax deduction amount1
  • Success Steadfast protection with no lifetime benefit limit
  • Success Cover on unknown pre-existing conditions
  • Success No claim discount
  • Success Guaranteed renewal up to age 100
  • Success Easy consultation with surgery card
Product at a glance
Government certified for your assurance

AIA Voluntary Health Insurance Standard Scheme is a Certified Plan under the Voluntary Health Insurance Scheme (VHIS), which complies with the minimum requirements of the VHIS Standard Plan

Let you assess private healthcare services for your essential needs while applying for tax deduction to enjoy tax benefit

Certified by the Health Bureau, you can trust in the level of protection you’ll be receiving.

Protect your whole family and apply for a higher tax deduction amount1

The premiums you pay for AIA Voluntary Health Insurance Standard Scheme is eligible to be deducted from your annual taxable income, up to an aggregate limit of HKD8,000 for VHIS policies per insured person per tax payer per year

No cap on the number of VHIS policies that a tax payer can use to claim tax deductions each year, as long as all of the policies are held by the same tax payer and cover yourself and/or your dependents.

Steadfast protection with no lifetime benefit limit

AIA Voluntary Health Insurance Standard Scheme allows you can make claims up to the annual benefit limit of HKD420,000. This limit replenishes each policy year.

Cover on unknown pre-existing conditions

You can trust in your protection under AIA Voluntary Health Insurance Standard Scheme even if you turn out to have a pre-existing condition that you were reasonably unaware of at the time of insurance application.

This plan provides partial cover during a waiting period of 3 policy years upon policy inception and full cover from the 4th policy year onwards.

Policy Year Protection for unknown pre-existing conditions
1st

0% cover

2nd

25% cover

3rd

50% cover

4th and onwards

100% cover

No claim discount

This plan rewards you with a no claim discount on premium, up to 15% of the total premium paid for the preceding cover year.

If no claim is made for 3 consecutive policy years or more, you will be eligible for this premium discount on the next policy anniversary. Please refer to the following table for no claim discount.

Claims Free Years No Claim Discount in the following policy year
3 consecutive policy years

5%

4 consecutive policy years

10%

5 or more consecutive policy years

15%

Once any claim has been made, the Claim Free Years will be reset while the no claim discount percentage will be reset to zero.

Guaranteed renewal up to age 100

AIA Voluntary Health Insurance Standard Scheme provides cover immediately after the policy becomes effective and 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 up to age 100.

Easy consultation with surgery card

With your electronic network surgery card, you can enjoy all the benefits offered under the plan’s medical network. Once the plan is in effect, you can book day case procedures at network clinics and day case procedure centres, and a network doctor will apply for the medical expense pre-approval service on your behalf.

AIA Voluntary Health Insurance Standard Scheme, a Certified Plan under the Hong Kong government’s Voluntary Health Insurance Scheme underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


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

1 For details on tax deductions, please visit  www.vhis.gov.hk  or Inland Revenue Department (IRD) of HKSAR website and consult your own tax and accounting advisors for tax advice.

AIA Voluntary Health Insurance Prime Scheme


AIA Voluntary Health Insurance Prime Scheme is a government-certified medical protection plan with premiums that are eligible to be deducted from your annual taxable income. You can enjoy superb medical protection that meets your needs, with tax deduction benefits.

Key Features

  • Success Government certified for your assurance
  • Success Protect your whole family and apply for a higher tax deduction amount
  • Success Extended caring protection to safeguard the needs of stroke and cancer patients
  • Success Cover on unknown pre-existing conditions
  • Success No claim medical check-up services
  • Success Lifetime guaranteed renewal
  • Success Personal Medical Case Management Services with Rehabilitation Management
  • Success Specialist Network
  • Success Lighten your burden for a recovery
  • Success Options to suit your needs

Product at a glance

Government certified for your assurance

AIA Voluntary Health Insurance Prime Scheme is a Certified Plan under the Voluntary Health Insurance Scheme (VHIS), that offers you superb medical cover, helping you access private healthcare services while applying for tax deduction to enjoy attractive tax advantages.

 

Not only complies with the minimum requirements of the VHIS, AIA Voluntary Health Insurance Prime Scheme offers valuable privileges including full reimbursement with no itemised benefit sublimit for major medical expenses, personal medical case management services, high quality specialist network services and much more.

Certified by the Health Bureau, you can trust in the level of protection you’ll be receiving.

Protect your whole family and apply for a higher tax deduction amount2

The premiums you pay for AIA Voluntary Health Insurance Prime Scheme is eligible to be deducted from your annual taxable income, up to an aggregate limit of HKD8,000 for VHIS policies per insured person per tax payer per year

No cap on the number of VHIS policies that a tax payer can use to claim tax deductions each year, as long as all of the policies are held by the same tax payer and cover yourself and/or your dependants.

Extended caring protection to safeguard the needs of stroke and cancer patients

AIA Voluntary Health Insurance Prime Scheme offers extended caring protection to address the daily needs and self-care capabilities of stroke patients, so that you may receive the proper care even in the comfort of your own home. These include:

- home facility enhancements prescribed by occupational therapists – widening of corridors, adapting bathroom facilities and purchasing specialised furniture, etc.

- professional medical support – consultations, treatments and prescriptions from chiropractors, physiotherapists, speech therapists, occupational therapists, neurologist, neurosurgeons and Chinese medicine practitioners according to your personal needs

- disability subsidy – if you become unable to take care of yourself for at least 6 uninterrupted months, AIA will provide a disability subsidy of HKD5,000 per month to you for up to 24 months per incident

This plan also includes enhanced support for cancer patients with cover for radiotherapy, chemotherapy, targeted therapy, immunotherapy, hormonal therapy and the related consultations, medications and diagnostic tests. For patients with kidney diseases, AIA also cover the expenses required for regular dialysis treatments

Cover on unknown pre-existing conditions

Pre-existing conditions unknown to insurance applicants are commonly excluded from benefit cover. You can trust in your protection under AIA Voluntary Health Insurance Prime Scheme even if you turn out to have a pre-existing condition that you were reasonably unaware of at the time of insurance application.

This plan provides full cover starting from the 31st day of the 1st policy year, which is shorter than the minimum requirement of 3-year waiting period under VHIS.

 

Days after policy commences Protection for unknown pre-existing conditions
First 30 days

0% cover

31st day and onwards

100% cover

No claim medical check-up services

AIA Voluntary Health Insurance Prime Scheme rewards a free medical check-up services for you once per year to help you understand your health, provided that no prior claim has been made during the policy year that just passed. This service begins once the insured person reaches the age of 2 at the policy anniversary.

Lifetime guaranteed renewal

AIA Voluntary Health Insurance Prime Scheme provides cover immediately right after the policy becomes effective and 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. Renewal premium will be based on the prevailing premium rates at the time of renewal.

Personal Medical Case Management Services with Rehabilitation Management1

If you are unfortunately diagnosed with a serious illness, an expert team is here to help. Through Personal Medical Case Management Services with Rehabilitation Management, AIA’s designated service provider will get you the medical support you need with ongoing updates on your condition, and tailor a personalised rehabilitation plan for you. Your diagnosis and treatment will be assessed by a specialist, so you can count on additional medical expertise to help you overcome your health challenges with confidence, and tailor a personalised rehabilitation plan for you.

Access a high-quality medical network1

This is a value-added service designed to give you extra comfort in a medical situation. AIA’s medical network has a group of multi-disciplinary medical specialists and provides you with access to a number of advanced day case medical centres, a safe and convenient alternative to hospitals. You can book day case procedure at network clinics and day case procedure centres, the network doctor will apply for the Medical Expense Pre-approval Service on your behalf. You can also enjoy the convenience of cashless hospitalisation (also known as Credit Facility Service for Hospitalisation) and a dedicated hotline for centralised booking service.

Hassle-free medical payment at home and overseas

Through AIA, you can enjoy the total convenience of cashless hospitalisation, even while in designated private hospitals in Asia, including Singapore, Malaysia and Thailand, as well as the United States and Europe (subject to geographic cover set out in the benefit schedule). Once this service has been approved, AIA will settle the medical expenses incurred during your hospital stay on your behalf, allowing you to focus on your recovery without the stress of paying hospital bills and making subsequent claims. Any shortfall payment resulting from your hospital stay will be settled after your treatment. Once the final claim amount has been settled, any related benefit limits will be reduced accordingly.

Options to suit your needs

This plan offers 3 annual deductible choices for each policy currency you have chosen to suit your personal medical needs:

 

HKD

USD

Annual deductible choices 0 0
16,000 2,000
choices 25,000 3,125

Whether you are looking for full protection or top-up cover to supplement your current medical plan, annual deductible choices allow you to specify how much you are willing to pay before you claim. Choosing a higher deductible amount could lower the premiums for your policy.

You can also choose to reduce your annual deductible amount to a specified amount without having to provide us with current details of your health upon policy anniversary of your cover at the age of 50, 55, 60, 65, 70, 75 or 81. The premium will be adjusted based on your selected deductible amount, and your deductible amount for a claim will be reduced. Before making your request for this reduction of deductible, you may have to reassess if this reduction can suit your personal needs.

AIA Voluntary Health Insurance Prime Scheme, a Certified Plan under the Hong Kong Government’s Voluntary Health Insurance Scheme underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


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


1It is an additional benefit and does not form part of the VHIS Certified Plan.

2 For details on tax deductions, please visit www.vhis.gov.hk or Inland Revenue Department (IRD) of HKSAR website and consult your own tax and accounting advisors for tax advice.

AIA Voluntary Health Insurance Privilege Plus Scheme / AIA Voluntary Health Insurance Privilege Scheme


AIA Voluntary Health Insurance Privilege Plus Scheme / AIA Voluntary Health Insurance Privilege Scheme is a government-certified medical protection plan with premiums that are eligible to be deducted from your annual taxable income. It offers advanced medical protection throughout Asia with lifetime guaranteed renewal, offering you the privileged support you need to achieve more in life. With AIA Voluntary Health Insurance Privilege Plus Scheme/ AIA Voluntary Health Insurance Privilege Scheme, you can enjoy full reimbursement with no itemised benefit sublimit for major medical expenses, hospital stays in a semi-private room or standard private room (depending on confinement location), full cover for non-surgical cancer treatment and extended support in the hospital and beyond.

 

AIA Voluntary Health Insurance Privilege Plus Scheme is available as a basic plan; and AIA Voluntary Health Insurance Privilege Scheme is available as an add-on plan.

Key Features

  • Success Government certified for your assurance
  • Success Protect your whole family and apply for a higher tax deduction amount2
  • Success Lifetime guaranteed renewal
  • Success Cover on unknown pre-existing conditions
  • Success Extended caring protection to safeguard the needs of stroke and cancer patients
  • Success No claim discount (Applicable to AIA Voluntary Health Insurance Privilege Plus Scheme only)
  • Success No claim medical check-up services (Applicable to AIA Voluntary Health Insurance Privilege Scheme only)
  • Success Personal Medical Case Management Services with Rehabilitation Management
  • Success Access a high-quality medical network2
  • Success Options to suit your needs

Product at a glance

Lifetime Benefit Limit
(per life)
HK$50,000,000

US$6,250,000

Annual Benefit Limit
(per policy year)
HK$10,000,000

US$1,250,000

Annual Deductible Choices
(per policy year)
HK$0 / HK$16,000 / HK$25,000

US$0 / US$2,000 / US$3,125

Geographical Cover

Non-emergency treatment: Asia (except for psychiatric treatments and lower ward class cash benefit covered in Hong Kong and Macau)

 

Emergency treatment: Worldwide (except for worldwide emergency assistance services, which provides cover during trip only, meaning that country or place of which the insured person is a permanent resident at the time the trip commenced is not covered)

Room Type

For Hong Kong, Macau and Mainland China : Semi-private room
For Asia countries, excluding Hong Kong, Macau and Mainland China: Standard private room
For outside Asia : Standard private room (for emergency treatment only)

Government certified for your assurance

AIA Voluntary Health Insurance Privilege Plus Scheme / AIA Voluntary Health Insurance Privilege Scheme is a Certified Plan under the Voluntary Health Insurance Scheme (VHIS) that offers you superb medical cover, helping you access private healthcare services while applying for tax deduction to enjoy attractive tax advantages.

 

Not only complies with the minimum requirements of the VHIS,AIA Voluntary Health Insurance Privilege Plus Scheme / AIA Voluntary Health Insurance Privilege Scheme offers valuable privileges including full reimbursement with no itemised benefit sublimit for major medical expenses, personal medical case management services, high quality specialist network services and much more. Because it is certified by the Health Bureau, you can trust in the level of protection you’ll be receiving.

Protect your whole family and apply for a higher tax deduction amount1

To help you budget smarter, the premiums you pay for AIA Voluntary Health Insurance Privilege Plus Scheme / AIA Voluntary Health Insurance Privilege Scheme is eligible to be deducted from your annual taxable income. Taxpayer who is the policyholder can apply for a tax deduction of up to HKD8,000 per insured person, which the insured person of the Certified Plan should be the taxpayer himself or any specified relatives*, in each assessment year.

 

There is No cap on the number of specified relatives* that a taxpayer can use to claim tax deductions as long as all the policies are held by the same taxpayer and cover yourself and / or your specified relatives*.
* Specified relatives are defined under Inland Revenue Ordinance (Chapter 112).

Lifetime guaranteed renewal

AIA Voluntary Health Insurance Privilege Plus Scheme / AIA Voluntary Health Insurance Privilege Scheme provides cover immediately right after the policy becomes effective and 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. Renewal premium will be based on the prevailing premium rates at the time of renewal.

Cover on unknown pre-existing conditions

At present, pre-existing conditions unknown to insurance applicants are commonly excluded from benefit cover. However, you can trust in your protection under AIA Voluntary Health Insurance Privilege Plus Scheme / AIA Voluntary Health Insurance Privilege Scheme even if you turn out to have a pre-existing condition that you were reasonably unaware of at the time of insurance application. This plan provides full cover starting from the 31st day of the 1st policy year, which is shorter than the minimum requirement of 3-year waiting period under VHIS.

 

Days after policy commences

Protection for unknown pre-existing conditions

First 30 days 0% cover
31st day and onwards 100% cover
Extended caring protection to safeguard the needs of stroke and cancer patients

The plan offers extended caring protection to address the daily needs and self-care capabilities of stroke patients, so that you may receive the proper care even in the comfort of your own home. These include:

- Home facility enhancements prescribed by occupational therapists – widening of corridors, adapting bathroom facilities and purchasing specialised furniture etc.

- Professional medical support – consultations, treatments and prescriptions from chiropractors, physiotherapists, speech therapists, occupational therapists, neurologist, neurosurgeons and Chinese medicine practitioners according to your personal needs

- Disability subsidy – if you become unable to take care of yourself for at least 6 uninterrupted months, we will provide a disability subsidy of HKD5,000 / USD625 per month to you for up to 24 months per incident


The plan also includes enhanced support for cancer patients with cover for radiotherapy, chemotherapy, targeted therapy, immunotherapy, hormonal therapy and the related consultations, medications and diagnostic tests. For patients with kidney diseases, we also cover the expenses required for regular dialysis treatments.

No claim discount (Applicable to AIA Voluntary Health Insurance Privilege Plus Scheme only)

If no claim is paid for 3 consecutive policy years or more, you will be eligible for the premium discount on the next policy anniversary, up to 15% of the total premium paid for the preceding policy year.

 

Claims Free Years

No Claim Discount

3 consecutive policy years 5%
4 consecutive policy years 10%
5 or more consecutive policy years 15%

 

Even if you made a claim for lower ward class cash benefit, day surgery cash benefit, received a day case procedure or used personal medical case management services and worldwide emergency assistance services, your eligibility for this premium discount will not be affected.

No claim medical check-up services (Applicable to AIA Voluntary Health Insurance Privilege Scheme only)

AIA Voluntary Health Insurance Privilege Scheme rewards a free medical check-up services for you once per year to help you understand your health, provided that no claim is paid during the policy year that just passed. This service begins once the insured person reaches the age of 2 at the policy anniversary.

Personal Medical Case Management Services with Rehabilitation Management2

If you are unfortunately diagnosed with a serious illness, an expert team is here to help. Through Personal Medical Case Management Services with Rehabilitation Management, AIA’s designated service provider will get you the medical support you need with ongoing updates on your condition, and tailor a personalised rehabilitation plan for you. Your diagnosis and treatment will be assessed by a specialist, so you can count on additional medical expertise to help you overcome your health challenges with confidence, and tailor a personalised rehabilitation plan for you

Access a high- quality medical network2

This is a value-added service designed to give you extra comfort in a medical situation. Our medical network has a group of multi-disciplinary medical specialists and provides you with access to a number of advanced day case medical centres, a safe and convenient alternative to hospitals. You can book day case procedure at network clinics and day case procedure centres, the network doctor will apply for the Medical Expense Pre-approval Service on your behalf. You can also enjoy the convenience of cashless hospitalisation and a dedicated hotline for centralised booking services.

Options to suit your needs

AIA Voluntary Health Insurance Privilege Plus Scheme / AIA Voluntary Health Insurance Privilege Scheme offers 3 annual deductible choices for each policy currency you have chosen to suit your personal medical needs:

 

HKD

USD

Annual deductible choices 0 0
16,000 2,000
25,000 3,125

 

Whether you are looking for full medical protection or top-up cover to supplement your current medical plan, annual deductible choices allow you to specify how much you are willing to pay before you claim. Choosing a higher deductible amount could lower the premiums for your policy.


You can also choose to reduce your annual deductible amount to a specified amount without having to provide us with current details of your health upon policy anniversary of your cover at the age of 50, 55, 60, 65, 70, 75 or 81 once. The premium will be adjusted based on your selected deductible amount, and your deductible amount for a claim will be reduced. Before making your request for this reduction of deductible, you may have to reassess if this reduction can suit your personal needs.

AIA Voluntary Health Insurance Privilege Plus Scheme / AIA Voluntary Health Insurance Privilege Scheme, a Certified Plan under the Hong Kong Government’s Voluntary Health Insurance Scheme underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


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


This website page does not contain the full terms and conditions of the plan. The precise terms and conditions of the plan are specified in the policy contract. Please refer to the policy contract for the definitions of capitalized terms, and the exact and complete terms and conditions of cover. In case you want to read policy contract template before making an application, you can obtain a copy from AIA or contact the relevant licensed bank staff for details


1 For details on tax deductions, please visit www.vhis.gov.hk or Inland Revenue Department (IRD) of HKSAR website and consult your own tax and accounting advisors for tax advice.

2 It is an additional benefit and does not form part of the VHIS Certified Plan

Medical Protection


AIA CEO Medical Plan 5 / AIA CEO Medical Plan (Worldwide) 5 is a medical protection insurance plan that provides lifetime cover up to HK$50,000,000. With this plan, you will enjoy broad hospitalization and surgery cover around the world, giving you support when you need it most.

Key Features

  • Success Lifetime guaranteed renewal
  • Success Extended caring protection to safeguard the needs of stroke and cancer patients
  • Success Relieve your burden and focus on recovery
  • 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$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 / HK$50,000 US$0 / US$2,000 / US$3,125 / US$6,250
Geographical Cover

AIA CEO Medical Plan (Worldwide) 5 : Worldwide

AIA CEO Medical Plan 5: Worldwide excluding United States

Room Type

Standard private room

Core Benefits
  • Worldwide cover for hospital stay
  • Time-saving and convenient day surgeries
  • High quality specialist network
  • Post hospitalization care
  • Extended caring protection for your specific needs, including cancer treatment, dialysis treatment and stroke rehabilitation benefits and pregnancy complications benefits
  • Global emergency treatment and worldwide emergency assistance services
Optional Benefits
  • Outpatient benefits
  • Dental benefits
Lifetime guaranteed renewal

AIA CEO Medical Plan 5 /AIA CEO Medical Plan (Worldwide) 5 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. Renewal premium will be based on the prevailing premium rates at the time of renewal.

Extended caring protection to safeguard the needs of stroke and cancer patients

This plan offers extended caring protection which includes:

  • Home facility enhancements prescribed by occupational therapists – widening of corridors, adapting bathroom facilities and purchasing specialized furniture etc.
  • Professional medical support – consultations, treatments from chiropractors, physiotherapists, speech therapists, occupational therapists, neurosurgeons and consultations, treatments and medicines prescribed by neurologists and Chinese medical practitioners
  • Disability subsidy – if you become unable to take care of yourself for at least 6 uninterrupted months, a disability subsidy of HK$5,000 per month will be provided to you for up to 24 months

This plan also includes enhanced support for cancer patients with cover for chemotherapy, radiotherapy, targeted therapy and the related consultations, medications and diagnostic tests. For patients with kidney diseases, the insurer also cover the expenses required for regular dialysis treatments.

Relieve your burden and focus on recovery

This plan alleviates your burden by settling your hospital bill on your behalf. Once the service is applied for successfully, the private hospital medical expenses incurred during hospital stay will be settled directly on your behalf. Any shortfall payment resulting from your hospital stay will be payable after you are discharged from the hospital.

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 settling your hospital bill on your behalf

No-claim deductible discount up to 100%

If no claim (except Hospital cash benefit, lower room class cash benefit, day surgery benefit, day surgery cash benefit and worldwide emergency assistance service)is made for two consecutive cover years, AIA CEO Medical Plan 5 / AIA CEO Medical Plan (Worldwide) 5 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.

The discount applies to the original deductible amount of your plan, and will be reset to 0% in the next cover year upon claim payment.

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 medical insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)


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


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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


On Your Side Plan / On Your Side Plan – First Gift is a participating insurance plan which covers 115 diseases and Intensive Care Unit (ICU) stays. The plan offers life insurance, critical illness protection and the opportunity to grow your savings. It provides multiple support for cancer, heart attack, stroke and Alzheimer’s disease / Irreversible organic degenerative brain disorders. Total benefits payable can add up to 900% of your Initial Sum Assured.


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.

Key Features

  • Success Advance payment for ICU support (Diseases like COVID-19)
  • Success Multiple claims to provide you with all round cover
  • Success Continuous cancer income option giving you flexibility - Up to 600% of the Initial Sum Assured
  • Success Lifelong Alzheimer Annuity Benefit to relieve your burden - additional 6% of the Initial Sum Assured every year
  • Success Continuous protection - Waiver of Premium for Critical Illness
  • Success Extended cover for your loved ones - Payor Benefit (Death)
  • Success Cover for undetected congenital conditions in children
  • Success Upgraded protection for the first 10 years
  • Success Wealth accumulation for lifelong benefits
  • Success Critical Illness protection and savings from day one after birth (applicable to On Your Side Plan – First Gift only)
  • Success Various choices of premium payment terms
  • Success US dollars as policy currency
Product at a glance
Advance payment for ICU support

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.

Multiple claims to provide you with all round cover

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.

Continuous cancer income option giving you flexibility - Up to 600% of the Initial Sum Assured

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.

Lifelong Alzheimer Annuity Benefit to relieve your burden - additional 6% of the Initial Sum Assured every year

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.

Continuous protection - Waiver of Premium for Critical Illness

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.

Extended cover for your loved ones - Payor Benefit (Death)

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).

Cover for undetected congenital conditions in children

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.

Upgraded protection for the first 10 years

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:

Insured’s Age at Application Benefit
Age 30 or below

Additional 50% of the Initial Sum Assured

Age 31 or above

Additional 35% of the Initial Sum Assured


The upgraded protection for the first 10 years under On Your Side Plan – First Gift will give parents extra support after their baby’s birth with an additional 50% of the Initial Sum Assured.

Wealth accumulation for lifelong benefits

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).

Critical Illness protection and savings from day one after birth (applicable to On Your Side Plan – First Gift only)

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.

Premium Payment Terms

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

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


Please refer to product brochures for details including “Key Product Risks”, “Key Exclusions”, “Premium Adjustment”, “Product Limitation”, “Warning Statement” and “Additional Important Information”. These plans can only be purchased as a basic plan. The product information in this material does not contain the full terms of the product, the precise terms and conditions of this plan are specified in the policy contract. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. Life insurance policies are long-term contracts of insurance. Should you surrender the policy early, you may receive an amount considerably less than the total amount of premiums paid.

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