AIA Vitality power up coverage
If you purchase a selected AIA Vitality insurance product and become an AIA Vitality member, you can enjoy free additional coverage of up to 15% of your original sum assured as you progress to higher membership statuses.
What you need to know
Get 10% extra coverage, known as Power Up Coverage, for death or major illnesses benefits free of charge right from the start of your basic plan when you buy any of the following AIA Vitality Series insurance plans and join our AIA Vitality membership.
AIA Vitality series
How it is calculated
Your Power Up Coverage will be adjusted annually based on the AIA Vitality status, with a maximum limit of 15%.
This status-based Power Up Percentage will be locked in at the 20th policy anniversary. Such percentage will not be changed in the future regardless of his future AIA Vitality status, as long as he remains his AIA Vitality membership.
The higher your AIA Vitality status, the more Power Up Coverage you could gain.
You can enjoy an instant 10% Power Up Coverage in the first year.
| Membership status | Discount adjustment for the new policy year |
|---|---|
| Platinum | Current power up percentage + 1% |
| Gold | Remains unchanged |
| Silver | Current power up percentage - 1% |
| Bronze | Current power up percentage - 2% |
Examples
John buys his first AIA Vitality Series insurance plan, Protect Elite Ultra 2 with Initial Sum Assured HKD 100,000, at age 40 and signs up for AIA Vitality membership.
He instantly enjoys a Power Up Coverage in the first year (i.e. 10% of his Initial Sum Assured).
His Power Up Coverage for the second policy year:
10% (his power up percentage for the first policy year) +1% = 11%
10% (his power up percentage for the first policy year) +1% = 11%
His Power Up Coverage for the third policy year:
11% (his power up percentage for the second policy year) - 2% = 9%
11% (his power up percentage for the second policy year) - 2% = 9%
Since his Power Up percentage is 12% at the time of the 20th policy anniversary, the percentage will remain unchanged in the future regardless of his future AIA Vitality status, as long as he maintains his AIA Vitality membership.
Total benefit payable:
= Sum assured + Initial Sum Assured x Power Up Coverage percentage
= HKD 100,000 + HKD 100,000 x 12%
= HKD 112,000
Join 
now
to get up to 15% premium discount
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