Superior Critical Illness Plan Pro

Critical Illness Protection · Life Protection

Period

Up to age of 80

Issue age of Insured

15 days - 60 Years

You can buy this from

Your Financial Planner

WHAT THIS PRODUCT IS ABOUT

Life can be unpredictable. If sickness unexpectedly strikes, the financial burden of medical expenses can wipe out your savings and even affect your family. AIA’s Superior Critical Illness Plan Pro offers you protection covering up to 56 critical illnesses – premiums are affordable and fixed for 5-year periods, with guaranteed renewability until the age of 80. Get yourself to be protected under the policy while you are young and healthy to enjoy long-lasting protection.

The promise of a loving stable future

what does it provide?

ONE STOP CARE · CRITICAL ILLNESS PROTECTION · LIFE INSURANCE

Superior Critical Illness Plan Pro is a critical illness protection insurance plan with life protection, giving you and your family greater protection for the future.
EXTENSIVE COVER FOR 56 CRITICAL ILLNESSES

Superior Critical Illness Plan Pro provides critical illness protection up to the age of 80. It covers 53 major illnesses and 3 minor illnesses. The thorough cover frees you and your family from worry.
IF THE WORST SHOULD HAPPEN

If the person protected under the policy passes away, we will pay the death benefit to the person whom you select in your policy as beneficiary. The death benefit will be equal to the Adjusted Sum Assured.

Adjusted Sum Assured means the Initial Sum Assured left after deduction of all advance payment(s) made for the benefits for major illness and / or minor illness. The Initial Sum Assured means the protection amount that you have purchased.

If the person protected under the policy is diagnosed with any covered major illness and / or minor illness, we will pay the benefit amount for the covered illness (see the Covered Illnesses Benefit Schedule in product brochure).

The advance claims payments made in total for covered illnesses under the policy cannot exceed 80% of the Initial Sum Assured. Any advance payment(s) made will reduce the Adjusted Sum Assured of the basic policy. The premium will also be reduced accordingly.

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BETTER FINANCIAL PLANNING WITH FIXED PREMIUM WITHIN EVERY 5-YEAR COVER PERIOD

Superior Critical Illness Plan Pro guarantees that your premium for renewal will not be raised for any claims you have made, or any changes in your health condition. You can renew your cover every 5 years until age 80 as long as this plan is still available to all existing policies. Renewal premium will be based on the prevailing premium for the age of the person protected under the policy at the time of renewal (please refer to the “Premium Adjustment” under Important Information).
CONVERSION PRIVILEGE

On or before the anniversary of cover immediately following the 70th birthday of the person protected under the policy, the plan can be converted into a whole life or whole life with critical illness protection insurance plan, subject to additional premium and no further health information will be required.
CONTINUOUS PROTECTION

In case any major illness claim is made, the subsequent premium 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.
A CURRENCY THAT SUITS YOU

For your convenience, we offer this policy in US dollars and HK dollars. If the policy is issued in Macau, you can also choose Macau pataca as the currency.

insurance lingo explained

Critical Illness

This refers to a disease or condition that is life-threatening.

Premium

This is the fee you pay us for your policy.

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.

important information

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All information here is for reference only. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of coverage.
We would like to remind you to review the relevant product materials and proposal illustrations (if applicable) provided to you and seek independent professional advice if necessary.

remarks

Cover of cancer under major illnesses does not include 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.
Please refer to the policy contract for the definitions of covered illnesses.
The benefits paid for major illnesses will be reduced by any advance payments for minor illness. The advance claims payments made in total for benefits under the policy cannot exceed 80% of the Initial Sum Assured.
An advance payment will be payable 1 time for each covered illness.
The per life maximum benefit in Macau pataca is the same as in HK dollars (if applicable).

KEY PRODUCT RISKS

You should pay premium(s) for this plan till age 80. If you do not pay the premium within 31 days of the premium due date, the policy will be terminated and you / the person protected under the policy will lose the cover.
We will terminate your policy and you / the person protected under the policy will lose the cover when one of the following happens:
- the person protected under the policy passes away;
- you do not pay the premium within 31 days of the due date; or
- anniversary of your cover immediately following the 80th birthday of the person protected under the policy.
We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, you may lose your premium paid and benefits.
You are subject to exchange rate risks for plans denominated in currencies other than the local currency. Exchange rates fluctuate from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks.
Cover renewal is based on the continuing availability of the plan to all existing policies.
Your current planned benefit may not be sufficient to meet your future needs since the future cost of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, you may receive less in real terms even if we meet all of our contractual obligations.

KEY EXCLUSIONS

Except for the death benefit, under this plan, we will not cover any of the following events or conditions that result from any of the following events:

any illnesses with signs / symptoms or surgeries triggered by the illnesses before the application of the policy or within 90 days after the policy is issued;
any congenital defect or disease has been diagnosed before the person protected under the policy reaches the age of 17;
Fulminant viral hepatitis or cancer of the person protected under the policy was due to AIDS or HIV infection; and
a self-inflicted injury.

The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.

PREMIUM ADJUSTMENT

In order to provide you with continuous protection, we will review the premium of your plan from time to time and adjust it accordingly at the end of every 5th policy year if necessary. During the review, we may consider factors including but not limited to the following:

claim costs incurred from all policies under this plan and the expected claim outgo in the future which reflects the impact of change in the incidence rate of deaths, covered illnesses and covered surgeries
historical investment returns and the future outlook of the product's backing asset
policy surrenders and lapses
expenses directly related to the policy and indirect expenses allocated to this product

SUICIDE

If the person protected under the policy commits suicide within one year from the date on which the policy takes effect, our liability will be limited to the refund of premiums paid (without interest).

INCONTESTABILITY

Except for fraud or non-payment of premiums, we will not contest the validity of this policy after it has been in force during the lifetime of the person protected under the policy for a continuous period of two years from the date on which the policy takes effect. This provision does not apply to any add-on plan providing accident, hospitalisation or disability benefits.

CANCELLATION RIGHT

You have the right to cancel and obtain a refund of any premiums and any levy paid by giving written notice to us.
Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong or the Customer Service Centre of AIA International Limited at Unit 1903, 19/F, AIA Tower, 251A-301 Avenida Comercial de Macau, Macau within 21 days after the delivery of the policy or the issue of written notice to you or your representative informing you that the policy is available, whichever is earlier.

This website is for reference only. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary.

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Critical Illness Protection · Life insurance · Savings

Critical illnesses often strike without warning, burdening you and your loved ones with uncontrollable medical expenses – and may even derail your family’s future plans.