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Critical Illness Protection
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  • Vitality

    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.

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    • Covered Illnesses Explained Covered Illnesses Explained

    The promise of a loving stable future

    Promotional leaflet

    what does it provide?

    • ONE STOP CARE · CRITICAL ILLNESS PROTECTION · LIFE INSURANCE
      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
      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 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.

       

      Read More
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    • BETTER FINANCIAL PLANNING WITH FIXED PREMIUM WITHIN EVERY 5-YEAR COVER PERIOD
      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
      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
      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
      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.

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    • Covered Illnesses Explained Covered Illnesses Explained

    important information 

    important information 
    - Collapse + Expand
    1. 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.

    2. 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
    1. 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.

    2. Please refer to the policy contract for the definitions of covered illnesses.

    3. 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.

    4. An advance payment will be payable 1 time for each covered illness.

    5. The per life maximum benefit in Macau pataca is the same as in HK dollars (if applicable).


    KEY PRODUCT RISKS
    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. Cover renewal is based on the continuing availability of the plan to all existing policies.

    6. 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.

    OTHER RELATED PRODUCTS

    Protect Elite Ultra 2/ Protect Elite Ultra 2 – First Gift 

    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.

    vitality

    Smart Elite Ultra

    Critical Illness Protection · Life Protection · Savings

    Provides you with life insurance and multiple illnesses protection, giving you comprehensive cover for 115 illnesses as well as the opportunity to enhance your savings.

    Cancer Care Essence

    Critical Illness Protection · Life Protection

    Covers specific cancer protection for 4 common cancers, including lung, colon and rectum, breast and prostate cancer; and provides life protection, giving you and your family better protection for the future.

    Prime Care Pro 2

    Critical Illness Protection · Life Protection · Savings

    Offers protection for a total of 100 critical illnesses and specified illnesses, to give you early stage critical illness cover and life insurance protection, as well as the opportunity to accmulate wealth.

    Smart Care Pro

    Critical Illness Protection · Life Protection · Savings

    Provides a one-stop early stage and multiple critical illness protection to safeguard you and your family from the unfortunate events of death and critical illnesses, and provides an opportunity to enjoy cash returns to enhance your savings.

    MULTIPLE CARE PRO 2

    Critical Illness Protection · Life Protection · Savings

    Provides you with multiple critical illness claims up to 5 times compensation.

    EXECUTIVE CARE PRO 2

    Critical Illness Protection · Life Protection · Savings

    Gives you and your family protection against the unfortunate events of death and illness, and also the opportunity to enjoy cash returns to enhance your savings.

    Contact aia

    Hong Kong

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri 8:45am - 6:00pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Macau

    (853) 8988-1822

    1903, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau

    Mon-Fri 8:45am - 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Contact aia

    Hong Kong

    T: (852)  2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong
     
    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong
     
    Mon-Fri 8:45am - 6:00pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    Macau

    T : (853)  8988-1822

    1903, AIA Tower,
    Nos. 251A-301, Avenida Comercial de Macau, Macau

     

    Mon-Fri 8:45am - 5:15pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

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