Payment Options

Key reminders:

1. You may pay cash at our Customer Service Center, Hong Kong Post offices, all Hong Kong branches of Citibank (Hong Kong) Limited or all Hong Kong branches of OCBC Wing Hang Bank Limited.
2. You can pay your premium and levy (if applicable) together in one single transaction by any one of the payment options below. If premium is paid and you would like to pay levy (if applicable) only, please click here for available options. For further information regarding levy collected by Insurance Authority, please click here.
   
3. All cheques should be made payable to 'AIA International Limited'.
   
4. All payments should be made by policyowner / insured.
   
5. For bank draft with premium payment above USD30,000 (or HKD equivalent) per policy, one should sign a "Payment Declaration Form – Bank draft" or provide valid bank receipt to prove that the bank draft is purchased by the policyowner/ insured; for premium payment above USD150,000 (applicable for new policy) or above USD300,000 (applicable for renewal policy) or HKD equivalent, a valid bank receipt must be provided.
6. For Investment-Linked policies, we only accept HK dollar cheques, local US dollar cheques and US dollar bank drafts. Change of investment allocation / Top-Up Premium / FlexiMoney / Repayment for Premium Holiday should be submitted with "Request for Investment-Linked / Universal Life Plan Services Form" or "Premium Repayment for Premium Holiday Form".
   
7. You can use China Construction Bank (Asia) credit cards for payment except for Single Premium / Investment-Linked Assurance Scheme Policies / Loan Repayment / Future Premium Deposit Fund / Top-Up Premium / FlexiMoney. Credit cards of other banks can only be used for monthly autopay.
   
8. We will issue an official receipt to policyowner if premium is paid at our Customer Service Center in Hong Kong or Macau.
   
9. Premiums should be paid before the due date or during the 31 days Grace Period. The Policy will remain in force during the Grace Period. If any premium is unpaid at the end of the Grace Period, the Policy will lapse and have no further value, except for the benefits provided under the policy's non-forfeiture provisions or Premium Holiday provisions (if applicable).
   
10. If your payment to us is made by you or a third party's credit / debit card or via remittance / electronic fund transfer from your own account or a third party's account, and there is a refund, AIA reserves the right to arrange refund to any credit card account of the credit cardholder / bank account of the debit cardholder or bank account of remitter (as the case may be). For refund involving currency conversion, the bank or other third parties (such as the banks of merchants) will convert the transactions not denominated in Hong Kong Dollars into Hong Kong Dollars (or vice versa, depending on the currency denomination of the credit card/ bank account) at the rate selected by it or the relevant card association (e.g. VISA, MasterCard, etc), or (where converted by other third parties) at the other third party’s applicable exchange rate on the conversion date, plus any additional foreign exchange rate adjustment set by the bank (or the credit card issuer, as the case may be) together with any fees charged by the relevant card association, if applicable. Such exchange rate adjustment and charges shall be borne by the payor. Please contact the issuing bank of the credit card and/ or the bank account for details.