- Heart Attack
- Encephalitis
- Parkinson's Disease
- Stroke
- Fulminant Viral Hepatitis
- Poliomyelitis
- Cancer
- Heart Valve Replacement
- Primary Pulmonary Arterial Hypertension
- End Stage Lung Disease
- HIV due to Blood Transfusion and Occupationally Acquired HIV
- Progressive Bulbar Palsy
- Kidney Failure
- Liver Cirrhosis
- Progressive Muscular Atrophy
- Alzheimer's Disease
- Loss of Hearing
- Progressive Supranuclear Palsy
- Overview
- Policy benefits
- Important details
Policy benefits
Optional riders
Customize your plan’s coverage with these supplementary benefits
You’ll receive additional cash support to fund expenses for injuries, disabilities and death caused by accidents until you’re 72
Choose the rider that can give you better peace of mind:
Critical illness coverage rider
You'll receive a cash benefit upon diagnosis of any of the 56 covered major illnesses, including cancer, heart attack and stroke, until you’re 75
On top of this, you’ll also receive extra 10% coverage if you need an angioplasty procedure and 20% if you have diabetic complications
Critical illness coverage with early-stage payout rider
You’ll get all the benefits of the critical illness coverage rider, plus get 25% of your benefit in advance if diagnosed with any of the 11 covered early-stage conditions until you’re 75
The early-stage payout can be claimed up to 4 times
You no longer have to pay future premiums anymore if you’re diagnosed with any of the 56 covered critical illnesses until you’re 75
Choose the rider that can give you better peace of mind:
Waiver of premium rider
You no longer have to pay future premiums if you become disabled before 60
Waiver of premium with monthly payouts rider
You’ll get the benefit of the waiver of premium rider, plus receive monthly cash payouts to replace lost income due to total disability
Insurance lingo
This refers to the accumulated amount of cash that you can earn over a period of time. This amount will depend on what funds you choose to invest your money in
This is the fee you pay us to protect you and your loved ones for a specified risk in a specified period of time
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Important details
- Apallic Syndrome
- Loss of Limbs
- Resection of the Whole Small Intestine
- Aplastic Anemia
- Loss of Sight
- Severe Creutzfeldt-Jakob Disease
- Bacterial Meningitis
- Loss of Speech
- Severe Crohn’s Disease
- Benign Brain Tumor
- Major Burns
- Severe Infective Endocarditis
- Cardiomyopathy
- Major Head Trauma
- Severe Rheumatoid Arthritis
- Chronic Adrenal Insufficiency (Addison's Disease)
- Medullary Cystic Disease
- Severe Ulcerative Colitis
- Chronic Recurrent Pancreatitis
- Motor Neuron Disease
- Surgery to Aorta
- Coma
- Multiple Sclerosis
- Systemic Lupus Erythematosus (SLE) with Lupus Nephritis
- Coronary Artery Bypass Surgery
- Muscular Dystrophy
- Terminal Illness
- Dissecting Aortic Aneurysm
- Myasthenia Gravis
- Total and Permanent Disability
- Eisenmenger's Syndrome
- Necrotizing Fasciitis
- Vital Organ Transplant
- Elephantiasis
- Paralysis
- Heart Attack
- Less Severe Heart Disease
- Stroke
- Cerebral Shunt Insertion
- Endovascular Treatment for Cerebral Aneurysm
- Cancer
- Carcinoma-in-Situ (CIS) of Covered Organs
- Early Stage Malignancy
- Kidney Failure
- Less Severe Kidney Disease
- Coronary Artery Surgery
- Minimally Invasive Direct Coronary Artery Bypass
- Heart Valve Replacement
- Less Invasive Treatments of Heart Valve Disease
- Vital Organ Transplant
- Major Organ Transplantation (on waiting list)
- Benign Brain Tumor
- Surgical Removal of Pituitary Tumor
- Liver Cirrhosis
- Liver Surgery
- 10% of the Critical Illness Coverage for Angioplasty
- 20% of the Critical Illness Coverage for Diabetic Complication
- Life insurance benefit can vary depending on age and payment amount.
- Premium period is not guaranteed. In the future, if the Account Value becomes insufficient to pay for charges, it is possible that additional premiums (i.e. top-ups) will be required to continuously enjoy the life insurance coverage.
- Please consult your Financial Advisor or refer to the policy contract for full details on the critical illness definitions, exclusions and limitations.
- The amount of your account value will vary depending on fund performance which may be affected by market conditions.
- The minimum premium required may increase depending on the occupational and medical ratings of the proposed insured.
- The contents of this page are for illustrative purposes only. Actual terms and conditions of insurance coverage are found in the policy. In case of conflict, policy terms shall prevail.
Upon receiving the Policy Contract, you may refer to it for the full details on the 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 to your needs, simply return it to AIA Philippines within fifteen (15) days from the date you or your authorized representative received it and we will refund to you the total premium you paid.
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