Savings Insurance
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SME Solutions – Group Medical & Life Insurance
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Employee issue age
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Having an excellent team is one of the key factors to running a successful business. To attract and retain talents, you can offer your employees essential medical protection, enhancing the sense of belonging and morale of the team.
PROTECT is designed for small to medium-sized enterprises (SMEs) with a minimum of 3 employees. With comprehensive life, accident, hospitalisation, network outpatient benefits and worldwide emergency assistance services, it can help your employees cope with medical expenses. In addition, by just presenting their HealthCard and paying a small amount of copayment, insured members can receive quality outpatient services at our network clinics, and no subsequent claim is needed. You can therefore provide the most essential protection for your valuable employees with ease.
SMEs with 3 full-time employees or above can apply for this plan. No medical underwriting is required. Furthermore, the waiting period is waived under this plan, enabling employees to get their protection instantly and easily.
If insured members have been covered for 12 continuous months under this plan, the pre-existing conditions they have will be covered under this plan, enhancing their medical protection.
The plan covers 5 major areas, including life, accident, hospitalisation, network outpatient benefits and worldwide emergency assistance services for just an affordable premium, allowing you to provide comprehensive medical protection for your employees with minimum financial burden.
The plan has no minimum hours of confinement in the hospital, and also covers day surgery, which is common nowadays. Employees can therefore choose the most suitable medical solution flexibly according to their doctors’ advices and their needs.
We have carefully selected medical service providers from different specialties to form the AIA medical network. Simply by presenting the HealthCard at network clinics and paying a small amount of copayment, insured members can access network outpatient services conveniently without the need to file a subsequent claim.
Pre-existing Conditions
This means medical conditions (injury or illness) you already have before your insurance policy becomes effective.
Waiting Period
A period of time set out in the policy which must pass before you are entitled to the covered benefits.
Number of employees
Age of employees
Age of employees’ dependants
This plan is not applicable to the below industries / organisations:
Under this plan, we will not cover conditions that result from any of the following events:
All benefits exclusions
Life benefit exclusions
Accident benefits exclusions
Medical benefits exclusions
Medical benefits include hospital income and surgical benefits, network outpatient benefits and worldwide emergency assistance services.
Additional network outpatient benefits exclusions
The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.
We will give the policyholder a written notice of any revision before any policy anniversary or upon renewal.
If any of the insured members wishes to make a claim, he/she must send us the appropriate form and relevant proof within 90 days of the date the covered event happened. The appropriate claim form can be downloaded from our website: aia.com.hk or obtained from the financial planner. If you wish to know more about claim related matter, you may visit “File A Claim” section under our company website www.aia.com.hk.
You have the right to cancel the policy by giving no less than 31 days’ prior written notice to us, however this will result in the insured member losing his cover and you losing the remaining premium and levy for that policy year. We also reserve the right to cancel the policy upon the policy renewal by giving you no less than 31 days’ prior written notice.
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