1 Additional payment is required if the policy owner is to purchase Payor Benefit Rider or Critical Illness Payor Benefit Rider Pro for the insured child.
2This benefit will become effective once the policy has been in force for 2 years, provided that the parent of an insured child was at or below the age of 50 at the time of policy application. If the parent of an insured child passes away before the age of 75, the insured child will continue to enjoy protection without having to pay future premiums for the basic plan until the age of 25.
3This benefit will become effective once the policy has been in force for 2 years, provided that the spouse of an insured adult was at or below the age of 50 at the time of policy application. If the spouse of an insured adult passes away before the age of 75, the future premiums of “Protect Elite Ultra” will be waived. The spouse of the insured must be the policy owner or beneficiary (sole beneficiary or one of the beneficiaries).
4 May reassign a new family member who is at or below the age of 50 as the policy owner, contingent owner (if any) or beneficiary any time while the policy is in effect. The existing waiver of premium benefit will be suspended for a period of 2 years from the effective date of the relevant reassignment, after which it will resume, subject to the age and relationship requirements described above.
5 Overview of Hong Kong Cancer Statistics of 2015, Hong Kong Cancer Registry, Hospital Authority Website. (http://www3.ha.org.hk/cancereg/pdf/overview/Summary%20of%20CanStat%202015.pdf) The information is extracted from AIA’s Research of Critical Illness Trends and Medical Expenses by GfK Hong Kong, an independent market research company (data collection date: November 2017).
6 Comparison of treatment cost based on average treatment cost of colorectal cancer, lung cancer and breast cancer in a year (assumed treated by surgery, radiation therapy or chemotherapy and targeted therapies) and ordinary illnesses (assumed to be episodic diseases with relatively mild symptoms treated during a hospital stay, such as gastroenteritis). Charges of Union Hospital and news reports. The information is extracted from AIA’s Research of Critical Illness Trends and Medical Expenses by GfK Hong Kong, an independent market research company (data collection date: April 2017).
7 This benefit is subject to a survival period of 15 days from the date of diagnosis and a waiting period, the length of which depends on the last covered illness claimed. The cover period is up until age 85 of the insured.
8 Excluding a non-guaranteed Terminal Bonus (if any) to be distributed along with the first claim.
9 This benefit is subject to a survival period of 15 days from the date of diagnosis and a waiting period, the length of which depends on the last covered illness claimed. The cover period is up until age 85 of the insured. These benefits are subject to a maximum of HK$400,000/US$50,000 per life for each illness. Diagnosis should be the continuation, metastasis or recurrence of the previous cancer or a new cancer. The waiting period will be 1 year if the first diagnosis disease is major illness other than cancer and 3 years if the first diagnosis disease is cancer. No waiting period is required if the first claim is Carcinoma-in-situ / Early Stage Malignancy.
10 The applicants for AIA Vitality must be 18 years old or above and must be the insured of the in-force AIA Vitality Series insurance policy. AIA Vitality Power Up Coverage is a percentage of Initial Sum Assured added for the sole purpose of computing the death benefit or the major illness benefit for all when it becomes payable. AIA Vitality Power Up Coverage percentage is in the range of 0% - 15%. After the 20th policy anniversary, the extra coverage percentage the insured could get is taken from the snapshot of the AIA Vitality Power Up Coverage percentage (if any) as at the 20th policy anniversary. It would not be available if the AIA Vitality membership is terminated for any reason or the designated policy is converted to Reduced Paid-Up Insurance or Extended Term Insurance. The annual membership fee for AIA Vitality is HK$/MOP300. It is not an insurance product that falls under the jurisdiction of the insurance regulation. The annual membership fee of AIA Vitality may change at any time without prior notice. Please visit AIA Hong Kong’s website: aia.com.hk “AIA Vitality” for more information.
11 Family members include spouse, children, parents, siblings, parents-in-law, children-in-law, grandparents and grandchildren.
12 Maximum premium refund is subject to successful application of 5 family members. Please refer to the promotional leaflet for details.