Membership Tier

AIA Club Alta has three membership tiers - Solar, Luna and Stellar. Each member can enjoy the corresponding privileges offered under the relevant membership tier to find the optimal balance of wealth and wellness.
Membership Tier

Solar Tier

Luna Tier

Stellar Tier
Membership Tier Requirements 1. Eligible Policy(ies)1 with minimum Aggregate Annualized Premium2 of US$350,000 1. Eligible Policy(ies)1 with minimum Aggregate Annualized Premium2 of US$200,000 1. Eligible Policy(ies)1 with minimum Aggregate Annualized Premium2 of US$100,000
+
2. New Eligible Policy(ies)1 issued in the past 3 years with minimum Aggregate Annualized Premium2 US$10,000
Membership Tier Membership Tier Requirements


Solar Tier		 1. Eligible Policy(ies)1 with minimum Aggregate Annualized Premium2 of US$350,000


Luna Tier		 1. Eligible Policy(ies)1 with minimum Aggregate Annualized Premium2 of US$200,000


Stellar Tier		 1. Eligible Policy(ies)1 with minimum Aggregate Annualized Premium2 of US$100,000
+
2. New Eligible Policy(ies)1 issued in the past 3 years with minimum Aggregate Annualized Premium2 US$10,000
1. "Eligible Policy(ies)" refers to the individual life insurance policy(ies) issued by AIA International Limited in Hong Kong and/or Macau to the member as the policyholder, which:
a. is/are effective after the cooling-off period; and
b. exclude(s) (i) general insurance policies and (ii) investment-linked assurance schemes (ILAS) policies issued after 31 August 2023.
 
2. "Aggregate Annualized Premium" refers to the aggregate sum of the annualized premium of all the Eligible Policies. The % amount of premium paid per each Eligible Policy shall be calculated as follows in the Aggregate Annualized Premium:
a. 10% for the single premium; or
b. 100% for the annual premium.
 
The Aggregate Annualized Premium shall be expressed in United States dollars.


The membership of AIA Club Alta is valid for a period of 12 months^ ("Membership Year") starting from the first calendar day of the next calendar month once the requirements of the relevant membership tier of AIA Club Alta are met.
 
The Membership Year will be adjusted when the membership tier is upgraded. Please refer to the section headed "Membership upgrade" for more details.

All the privileges entitled in the Membership Year will be forfeited after the end of the Membership Year without prior notice.
 
^As the initial batch of AIA Club Alta members admitted on 29 September 2023 are specially granted with an exclusive membership from 29 September 2023 to 30 September 2025, each of (i) the period from 29 September 2023 to 30 September 2024 and (ii) the period from 1 October 2024 to 30 September 2025 will be regarded as a "membership year" of AIA Club Alta. The special arrangement will be made in the event of the upgrade for the initial batch of members, and for details, please visit relevant frequently asked questions (FAQs) at this website. 

If the membership tier is upgraded, the Membership Year will be adjusted starting from the first calendar day of the next calendar month upon the member meets the requirements of the respective higher tier for a period of 12 months ("New Membership Year").

All the privileges entitled before the upgrade of the membership in the lower tier will be forfeited on the date of the upgrade without prior notice. The privileges entitled in the upgraded tier will be available for enjoyment in the New Membership Year.

a. Sarah has been admitted as an AIA Club Alta Luna tier member with the Membership Year from 1 January 2024 to 31 December 2024.
i. If her Aggregate Annualized Premium reaches US$350,000 on 10 March 2024, she will be upgraded to the Solar tier starting from 1 April 2024 until 31 March 2025 (i.e. New Membership Year).
ii. All the privileges entitled in Luna tier will be forfeited on 1 April 2024.
iii. Sarah can enjoy the privileges entitled in the Solar tier from 1 April 2024 to 31 March 2025 (i.e. New Membership Year).
 
b. John has been admitted as an AIA Club Alta Luna tier member with the Membership Year from 1 January 2024 to 31 December 2025. 
i. If his Aggregate Annualized Premium reaches US$350,000 on 10 November 2024, he would be upgraded to the Solar tier starting from 1 December 2024 until 30 November 2025 (i.e. New Membership Year).
ii. All the privileges entitled in Luna tier will be forfeited on 1 December 2024.
iii. John can enjoy the privileges entitled in the Solar tier from 1 December 2024 until 30 November 2025 (i.e. New Membership Year).

If the member can meet the requirements of the current membership tier on the last date of the Membership Year, the membership in the current tier will be renewed for a further period of 12 months after the last date of the Membership Year ("Renewed Membership Year").

All the privileges entitled before the renewal of the membership will be forfeited on the date of the renewal without prior notice. The privileges entitled in the current tier shall be renewed for enjoyment in the Renewed Membership Year.

If the member fails to meet the requirements of the current membership tier but can meet the requirements of the lower tier on the last date of the Membership Year, the membership tier will be downgraded to a lower tier with the membership being renewed for a further period of 12 months after the last date of the Membership Year ("Renewed Membership Year").

All the privileges entitled in the higher tier before the renewal of the membership will be forfeited on the date of the renewal without prior notice. The privileges entitled in the downgraded tier shall be available for enjoyment in the Renewed Membership Year.

Gordon have been admitted as an AIA Club Alta Luna tier member for the Membership Year from 1 January 2024 to 31 December 2024.

  • If his Aggregate Annualized Premium has been reduced to US$100,000 on the last date of the membership year i.e. 31 December 2024, and one new policy with the Aggregate Annualized Premium of no less than US$10,000 has been successfully issued to him within the past 3 years since 31 December 2024, his membership tier would be downgraded to the Stellar tier and his membership will be renewed for 12 months from 1 January 2025 to 31 December 2025.

If the member fails to meet the requirements of all the membership tiers on the last date of the Membership Year subject to below, the membership together with all the entitled privileges will be terminated on the last date of the Membership Year without any prior notice.

When all the Eligible Policies have been terminated, the membership together with all the entitled privileges will be automatically terminated on the date of all the Eligible Policies being terminated.