Covers 58 critical illnesses2 to ensure financial support when it matters most
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Get up to 10 months refund on 10-year, 18-year or 25-year premium payment term
Terms & conditions apply. Refer to the promotional leaflet for details.
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Value-added services
One-Stop Oncology Service
One stop integrated oncology treatments and services supported by a multidisciplinary team of medical specialists
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*Now and Instantly Get 10% Extra Cover^ on your AIA Vitality Insurance Plan
*Now and Instantly Get 10% Extra Cover^ on your AIA Vitality Insurance Plan
- Improve your health with various activities
- Earn AIA Vitality points to upgrade your member status for more rewards
The higher status you achieve, the more additional coverage** you will get
^ Only applicable to newly applied AIA Vitality insurance plan and subject to T&Cs
The content of this website does not contain the full terms of the product and the full terms can be found in the policy contract. You have the right to request a sample of policy contract before committing to the purchase. Please note the relevant product risks. This product can be purchased as a basic plan.
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Notes
- All information here is for reference only. The product information in this webpage does not contain the full terms of the product. For the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of the relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA.
- This plan can only be purchased as a basic plan.
- Life insurance policies are long-term contracts of insurance. Should you surrender the policy early, you may receive an amount considerably less than the total amount of premiums paid.
- For the specific benefit term of individual benefits, please refer to the Covered Illnesses Benefit Schedule in the product brochure.
- Subject to relevant conditions. For details, please refer to product brochure.
- Designated Period refers to the period starting from the policy effective date until the later of (i) the day before the policy anniversary on or immediately following the insured's 70th birthday; and (ii) the end of the 10th policy year.
- The amount of Prime Age Critical Illness Extra Coverage Booster payable is subject to the following:
- If major illness benefit is paid, 100% of the Extra Coverage Booster Amount (i.e. 40% of the Initial Sum Assured) will be paid. We will deduct payment made under the Prime Age Critical Illness Extra Coverage Booster for minor illness before paying the Prime Age Critical Illness Extra Coverage Booster for major illness.
- If minor illness benefit is paid, 50% of the Extra Coverage Booster Amount (i.e. 20% of the Initial Sum Assured) will be paid.
- If Big 3 Critical Illness Shield Benefit is paid, 100% of the Extra Coverage Booster Amount (i.e. 40% of Initial Sum Assured) will be paid.
- The Whole Life Extra Coverage Booster for Death terminates upon the earlier of (a) payment(s) under the Prime Age Critical Illness Extra Coverage Booster reach 100% of the Extra Coverage Booster Amount and (b) the Big 3 Critical Illness Shield Benefit is payable under the basic policy.
- The amount of Whole Life Extra Coverage Booster for Death will be reduced to 50% of the Extra Coverage Booster Amount (i.e. 20% of the Initial Sum Assured) if Prime Age Critical Illness Extra Coverage Booster has been paid for minor illness. The Whole Life Extra Coverage Booster for Death will be terminated upon the earlier of (a) payment(s) paid under the Prime Age Critical Illness Extra Coverage Booster reach 100% of the Extra Coverage Booster Amount (i.e. 40% of the Initial Sum Assured) and (b) the Big 3 Critical Illness Shield Benefit is payable under the basic policy.
- As of 13 August 2025, compared with critical illness insurance products provided by Hong Kong major insurance companies.
- Subject to our approval and our prevailing rules and conditions. For details of the specified events and the eligibility requirements of this benefit, please refer to "Cover at a glance" and the "Extension of Grace Period Benefit" section under Important Information in the product brochure.
* An annual membership fee will be charged for AIA Vitality and a member has to renew the AIA Vitality membership annually on time in order to maintain the membership and enjoy AIA Vitality Power Up Coverage (if any) in the subsequent policy years. The membership fee of AIA Vitality may vary at any time without prior notice. Likewise, programme benefits may be added or removed without prior notice.
** AIA Vitality Power Up Coverage is a percentage of Initial Sum Assured added for the sole purpose of computing the death benefit or the major illness benefit for once when it becomes payable. In all circumstances, the extra cover percentage will be calculated in accordance with the insured's AIA Vitality Status achieved on each policy anniversary. The policy anniversary of AIA Vitality selected insurance products and AIA Vitality membership anniversary may not be the same. For details and offers of AIA Vitality selected insurance products, please visit aia.com.hk/aiavitality.
