Covers 58 critical illnesses, 44 early-stage critical illnesses and 13 severe child diseases
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Apply On Your Side Insurance Plan 2 – First Gift now and enjoy tailored medical support
Terms & conditions apply. Refer to the promotional leaflet for details.
Featured benefits
Value-added services
Care Concierge
Dedicated concierge support connects you to a suite of healthcare and support
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.
- You shall notify the Company of the birth of the newborn child and provide a certified true copy of the newborn child's birth certificate as soon as possible and by 14 days before the first policy anniversary, otherwise the policy will terminate on the first policy anniversary and you will lose the cover. Subject to relevant conditions.
- Regarding the first-in-market statement in: (i) Waiver of Premium for Down Syndrome, (ii) Cord Blood Stem Cell Transfusion Benefit, (iii) Top-up premium with Top-up Premium Protector, as of 23 July 2025, compared against critical illnesses products provided by Hong Kong major insurance companies.
- This option can only be selected at policy application and is only available to policies with annual premium payment mode selected. Regular premium will be paid together with a top-up premium at policy inception. After the 1st policy year, regular premium will be paid for each policy year throughout the premium payment term. The amount of top-up premium for a policy is determined by us and cannot be adjusted on individual basis. Once top-up premium payment option is selected, it cannot be cancelled or changed. For the differences between two premium payment options (including returns, benefits and premium amounts), please refer to the respective benefit illustrations.
- Once a claim due to diagnosis of the Alzheimer's disease / Irreversible organic degenerative brain disorders or Parkinson's disease on or before age 85 is paid under the major illness benefit or 10X Multiple Critical Illness Benefit, after a 1-year waiting period, we will pay an additional 6% of the Initial Sum Assured every policy year until the insured passes away or the policy is terminated. Subject to relevant conditions. For details, please refer to the product brochure.
- 1 year after the insured's preceding cancer diagnoses (for which major illness benefit or 10X Multiple Critical Illness Benefit has been paid), if the insured is still suffering from cancer on or before age 85 and is still receiving active treatment or if the cancer is classified as terminal cancer, you can opt to claim a monthly income of 5% of the Initial Sum Assured up to 100 consecutive months or up to age 85 of the insured, whichever is earlier. Once any monthly payment under the Continuous Cancer Income Option has been paid, 10X Multiple Critical Illness Benefit will no longer be paid for any cancer under the policy.
# Only applicable to On Your Side Insurance Plan 2 – First Gift
* 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. AIA Vitality Power Up Coverage is not applicable to On Your Side Insurance Plan 2 - First Gift. 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.
