- Overview
- Policy benefits
- Plan Highlights
- Relevant Information
Did you knowOne Illness Can Change Everything
70% worry they won’t be financially ready for a major illness, and 71% fear becoming a burden on their family. A serious illness affects both health and finances.
Critical Illnesses Affect Millions
Heart attack is the #1 cause of death in the Philippines, 19% are at risk of cancer before age 75, and 1 in 4 people may experience stroke in their lifetime.
HMO & PhilHealth Aren’t Always Enough
Critical illnesses can exceed HMO limits and PhilHealth subsidies, leaving families to shoulder large out-of-pocket costs—43% of total health expenses in the Philippines.
Medical Bills Can Trigger Financial Strain
Major health events often lead to using emergency savings, borrowing money, selling assets, or making difficult choices during recovery. Medical protection helps prevent this.
Policy Benefits
AIA Max Protect – Medical is an affordable medical insurance plan with built-in life insurance for added financial protection.
Comprehensive Medical Protection
Helps cover up to 90% of eligible in‑patient and select medical expenses — including hospitalization, emergency care, surgery, ICU treatment, and follow‑up care — so you can focus on recovery while we help manage the costs.
Guaranteed Life and Death Benefits
Includes life insurance equal to 200% of your coverage, giving your loved ones financial support if something happens to you, plus a maturity benefit at age 100 and potential bonus dividends that may add value over time.
Affordable, Long-Term Protection
Designed to be budget‑friendly by letting you pay premiums only until age 65, while your coverage continues, with life insurance until age 100 and medical coverage renewable until age 80.
Value-Added Wellness Benefits
Enjoy Annual Physical Exam, dental care, 24/7 telemedicine, mental health support, and wellness counselling—additional optional benefits you can use even when you’re not hospitalized.
Plan Highlights
This plan provides up to 90% coverage for a variety of medical and hospitalization needs, plus additional optional benefits to complete your medical solution.
Peace of Mind in case of Medical and Health Emergencies
This medical protection solution is the perfect partner of customers looking to lessen their fear of expensive healthcare costs.
Important details
Get additional potential funds through dividends that you can receive when available to your policy. You may choose to:
Get Paid in Cash
Nothing is as reassuring as getting your payment in cash, which you or your loved ones can immediately use for whatever needs.
Accumulate interest
You may earn interest by choosing to leave your declared dividends with us. With this option, your amount may grow based on prevailing rates, depending on market conditions.
Remember:
- Dividends may not be used for purchasing additional non-participating insurance products (like Paid-up additions).
- Dividends may not be used to pay succeeding mode or premium due dates (such as Decrease Premium Payments).
- Dividends are not-guaranteed.
The contents of this page are for illustration purposes only. Actual terms and conditions are found in the Policy Contract. In case of conflict, the terms of the policy shall prevail.
Upon receiving the Policy Contract, you may refer to it for the full details on critical illness definitions, exclusions including the pre-existing conditions, and other limitations. If after reading the Policy Contract you decide that this plan is not suitable for your needs, simply return it to AIA Philippines within 15 days from the date you or your authorized representative received it and we will refund total premiums you have paid.
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