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Traditional critical illness plans only covered a certain number of designated diseases but as modern healthcare advances and new diseases emerge, treatment costs are becoming increasingly uncertain.
To future-proof your protection once and for all, AIA created an innovative, first-in-market protection plan that covers every disease and injury such as cancer, heart attack, stroke, complications, even diseases which haven't been discovered yet. AIA One Absolute - Full Protection provides payments of up to 160% of your Sum Assured based on an objective assessment of the severity of the insured’s medical journey and its impact to insured's life. We calculate claims using our transparent scoring table, which you can check for yourself, giving you a greater sense of certainty about your claim.
Unlike traditional critical illness plans, AIA One Absolute – Full Protection provides payments based on the insured's experience under 4 Severity Factors covering every disease and injury - even diseases that haven't been discovered yet. Your claim is calculated using a scoring table that you can check yourself, giving you a greater sense of certainty about your finances.
This plan is not a Certified Plan under Voluntary Health Insurance Scheme ("VHIS") and the premiums are not eligible for any tax deduction.
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You can enjoy a permanent 20% premium discount¹ if you apply "AIA One Absolute - Full Protection" upon a specified sum assured; and also can enjoy an instant extra 10% discount on the first year premium² by joining AIA Vitality. In addition, the following limited time offers are available from now until 30 September 2022 ("Promotion Period").
During the Promotion Period, you can enjoy 5 months premium refunds for successful application of "AIA One Absolute – Full Protection".
If the insured person of the New Policy is diagnosed for the first time with COVID-19 in Hong Kong / Macau and stay in ICU in Hong Kong / Macau for 1 day or more consecutive days, the insured person will be qualified to get an additional lump sum of HK$/MOP 100,000 of Intensive Care Unit benefit.
¹ We offer a permanent 20% premium discount for a sum assured of US$250,000 / HK$1,875,000 / MOP1,875,000 or above. This discount is only applicable to the standard premiums of this plan and shall not apply to any extra premiums due to loading.
² AIA Vitality members are required to pay an annual membership fee. Terms and conditions apply to the rewards. For details, please visit aia.com.hk/aiavitality.
Terms & conditions apply. For the offer details, please download and refer to the promotion leaflet.