We all want a comfortable, secure life for ourselves and our families. But life is unpredictable. Any one of us can fall sick at any time. If this should happen to you, the costs could destroy your savings and affect your plans possibly for years.
Our Superior Critical Illness Plan Pro bridges the gap in costs with the comprehensive, all-round protection at very affordable premiums. Show your love and secure the future for those you treasure most.
Comprehensive Protection Against 56 Critical Illnesses
This plan is available for Insured at different life stages, aged from 15 days to 60 years of age inclusive, with a comprehensive coverage of 56 Critical Illnesses (53 Major Illnesses plus 3 Minor Illnesses).
The most common diseases in Hong Kong such as cancer, heart disease and stroke are all covered under the plan. If the Insured is diagnosed with any one of the covered Major Illnesses, a lump sum payment equivalent to 80% of the Face Amount will be payable1,2 After the Critical Illness Benefit of the plan is paid3 for Major Illness, the future premiums on this plan will be waived. A limited advanced payment will also be payable for any Minor Illnesses4, given there is no prior lump sum payment for Major Illness.
Better Financial Planning With Fixed Premium Within Every 5-Year Coverage Period
Coverage is guaranteed renewable every 5 years5 without the need of fresh evidence of insurability until aged 80. Premiums are guaranteed to remain unchanged within each successive 5-year period to allow you for better financial planning.
Protection and Love Continue
In the unfortunate event of the Insured's death while this plan is in-force, a Death Benefit will be paid to your beneficiary. The Death Benefit amount will be equal to the remaining Face Amount after reduction of any Critical Illness Benefit that have been paid from the plan.
You have the privilege6 of converting this plan into a life insurance plan for lifetime to an amount not exceeding the Face Amount of this plan7 before aged 70, without further health declarations or medical examinations.
Optional Riders Provide Extra Coverage
Optional hospitalisation or accident riders are available to enhance your protection.
insurance lingo explained
This refers to a disease or condition that is life-threatening.
Participating Insurance Plan
With this product, in addition to providing protection to you and your love ones, your policy can share the divisible surplus (if any) from product groups determined by us.
This is the fee you pay us for your policy.
When you cancel your insurance policy, we may pay you an amount (called the surrender value).
Like what you've read? This is just a summary of our product. If you want more information, please contact your financial planner for a financial needs analysis.
The above information gathered from external source(s) is made on a general basis and is for reference only. AIA is not liable for any loss arising from the use and/or interpretation of the relevant information.
This webpage is for reference only. Please refer to the Policy contract for the meaning of capitalized terms and the exact and complete terms and conditions of coverage. “AIA” or “we” herein refers to AIA International Limited (Incorporated in Bermuda with limited liability).
The Critical Illness Benefit is subject to a maximum limit of US$1,500,000 (equivalent to HK$/MOP11,250,000) per life.
The lump sum payment for 80% of the Face Amount will be paid after deducting any Limited Advance Payment previously paid for Cerebral Aneurysm Requiring Surgery, Early Thyroid Cancer (at TNM classification T1N0M0) and / or Angioplasty and Other Invasive Treatments for Coronary Artery Disease.
After 80% of the Face Amount has been paid as the Critical Illness Benefit, the Critical Illness Benefit will cease and no further benefit will be payable due to the same or any other Critical Illness condition diagnosed.
Each Minor Illness is paid once only and no further benefit will be payable due to the same condition diagnosed.
The renewal premium will be based on the attained age of the Insured and the applicable premium rate table upon renewal. The premium rate table is not fixed and we reserve the right to revise it from time to time.
The Conversion privilege will not be available after the Critical Illness Benefit has been claimed.
lf the Superior Critical Illness Plan Pro is converted into a life insurance plan with Critical Illness cover, the coverage amount for such Critical Illness cover should also not exceed 80% of the Face Amount for Superior Critical Illness Plan Pro.
The following cases are excluded:
Early Thyroid Cancer (at TNM classification T1N0M0 or a lower stage); early prostate cancer (at TNM classification T1a or T1b or a lower stage); early chronic lymphocytic leukemia classified as less than RAI Stage III; skin cancer (except malignant melanoma); any cancer where HIV Infection is also present; and any pre-malignant or non-invasive cancer or carcinoma-in-situ are all excluded from the coverage of "Cancer" under Major Illnesses.
Any illness due to a congenital defect or disease which has manifested or was diagnosed before the Insured attains aged 17.
Any pre-existing condition prior to or condition manifesting itself within 90 days following the later of the Issue Date or the latest Commencement Date of the Policy.
Any Cancer or Fulminant Viral Hepatitis caused directly or indirectly by AIDS or HIV Infection.