Savings Insurance
Grow and protect your wealth
Critical Illness Protection · Life Protection
Period
Issue age of Insured
You can buy this from
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.
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.
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 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.
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).
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.
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.
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.
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.
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:
The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.
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:
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).
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.
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.