Payments | AIA Philippines
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Payments

Always pay on the due date as indicated on your policy contract or within the 31-day grace period. The frequency of your payment depends on the mode of payment chosen:

  • Annual (Once a year)
  • Semi-annual (Twice a year)
  • Quarterly (Four times a year)
  • Monthly (Twelve times a year)

The less frequent the mode of payment is, the less you pay!

If you miss premium payment within the grace period, your policy and its benefits will lapse. If your policy, however, has enough cash value, you can use this to cover your premium due. 

For more details, reach out to your AIA Life Planner to learn more about Premium Holiday, Policy Loan, Policy Reinstatement and Non-Forfeiture Option.

If you are unable to pay for your premiums during your date, you have a 31-day grace period in which you will be allowed to pay without interest. 

During the period of grace, your policy is still active or in-force. If death occurs during the period of grace, the unpaid premiums and any indebtedness shall be deducted from the death benefit. 

Once the grace period expires, the policy will lapse and you have the option to reinstate within three (3) years to make your policy in-force.

Payments made beyond the grace period will result to policy lapsation unless the policy has earned sufficient cash values to pay for future premiums and the Premium Loan Option was selected at the time of insurance application. In such case, the premium due on the policy will be treated as a loan as provided for in the Premium Loan provision for regular-pay plans. You may also opt to apply for a Premium Holiday. 

Premiums paid after the grace period may result in the termination of insurance protection or reduce your insurance coverage.

Reach out to your AIA Life Planner to learn more about these options.

Submit the following documents to a representative at an AIA Philippines Customer Service Center nearest you:

  • Two (2) Copies of a Filled-out Policy Detail Amendment Form (must be dated, signed, and witnessed)
  • Photocopy of one (1) valid Identification Card
  • Three (3) specimen signatures 

Find a branch here.

The chosen mode should conform to the cycle of the original mode of premium payment. For example, if the original mode was quarterly, then you may shift to an annual basis only on the policy anniversary, i.e., on the first quarter payment date.

You may also our customer hotline at (02) 8528-2000 or send an email to customerservice.ph@aia.com for assistance.

Payments from overseas remittances will be confirmed after 3-7 banking days. You may check My AIA payments section to see confirmation of your payment and electronic Official Receipt (eOR). You may also trigger a conversation with Aya, our chatbot via Facebook Messenger and choose Policy/Payment Details in the menu. If you have registered an email address, you will receive a document with a summary of your latest premium payments.

To check if your premium payments, you may log on to My AIA and go to the payments section under Policy Details. You will see a record of all your payments made in the last two years and the corresponding electronic Official Receipt (eOR). You may also trigger a conversation with Aya, our chatbot via Facebook Messenger and choose Policy/Payment Details in the menu. If you have registered an email address, you will receive a document with a summary of your latest premium payments. 

If your latest payment is not reflected in My AIA and in the payment summary document from Aya, you may call us at (02) 8528-2000 or send us an email at customerservice.ph@aia.com. Kindly provide the proof of payment and your policy number.

You may call us at (02) 8528-2000 or send us an email at customerservice.ph@aia.com. Kindly provide the proof of payment and your policy number.

You may call us at (02) 8528-2000 or send us an email at customerservice.ph@aia.com to have your policy payment amended. Kindly provide the proof of payment and your policy number.

The Official Receipt will be available on your My AIA account after five (5) working days from payment. You will receive an SMS and email copy of the official receipt once payment has been posted.

You may download and print the issued electronic official receipt on your My AIA account.

Continuously enjoy the benefits of your protection coverage as your premium payments will automatically be charged against your credit card or debited from your bank account. To enroll in Auto-Charge, fill-out the form here. 

You can also reach out to your AIA Life Planner to assist you with your request.

Important reminder! Make sure your contact information is updated for you to receive the enrollment and/or payment link via your email and mobile number. The fastest way to update your contact information is by filling out this form here. Please allow us two (2) working days to update your record with us. You can also change your contact details in My AIA.