Grow and protect your wealth
|Substandard Premium Rating||The insured carries higher risk than in ordinary circumstances as reflected in the risk evaluation process, it requires policyholders to pay a higher premium than that for standard policies.|
|Case-based Exclusions||An exclusion is a policy provision that limits coverage for some types of risk or specified conditions. It narrows the scope of coverage provided by the insuring agreement.|
|Postpone||Insurance companies are not able to offer the applied coverage at the time of application, but probably will reconsider the application in the future.|
|Decline||An applied coverage cannot be offered as the risk incurred exceeds insurance company’s risk acceptance level at the time being.|
The first underwriting opinion would be given within 2 business days after submission. The duration to reach final decision varies from case to case, depending on the quality of information that has been disclosed to us.
Only one qualified Policy Holder is accepted per each VHIS application.
You can contact your financial planner or our AIA customer hotline on 3108 1830 immediately for providing your detailed health information. The risk of the policy would be re-assessed and the underwriting decision will be subject to the re-declaration of health condition.
You can contact your financial planner or our AIA customer hotline on 3108 1830 for advice.