Reminder

Reminder

Disclaimer / Note:

The projected result is based on data you have submitted and is for reference only. It is based on the assumption that no claims has been made under the policy. It does not constitute our liability for any claim payment. The final claim decision will be based on your policy documents and other applicable terms and conditions. For details, please contact us and refer to the [product brochure] and relevant documents.

AIA One Absolute – FULL PROTECTION (AOAFP)
Benefit Calculator for Severity index

Please input information in related to your medical journey and its impact to your life (e.g. surgery or treatment received, the duration of confinement, or disability level) in order to calculate the estimated percentage of Sum Assured payable.1, 2

SEVERE
CONDITION
BENEFIT 0 % OF SUM
ASSURED
(MAX)
 + EXTRA BENEFIT ON
EXTREMELY SERIOUS
CONDITION 0 % OF SUM
ASSURED
(MAX)
 = 0 % OF SUM
ASSURED
(MAX)
SEVERE CONDITION
BENEFIT
0 % OF SA
(MAX)
 + EXTRA BENEFIT ON
EXTREMELY SERIOUS CONDITION
0 % OF SA
(MAX)
 = 0 % OF SA
(MAX)
CUMULATIVE
SEVERITY
SCORE 0 = SURGERY 0 + TREATMENT 0 + INTENSIVE
HOSPITAL STAY 0 + DISABILITY 0 + EXTRA
SEVERITY SCORE 0 = CUMULATIVE SEVERITY SCORE 0
NEXT Click [Next] to process
RESULT Click [Result] to process

Surgery

Please select the category of surgery##: Get start from [Surgery]

Click here to find out more information.

0 point NO +1 point Major VHIS Surgery +2 points Complex VHIS Surgery +4 points Major Organ Transplant or on waiting list of Major Organ Transplant% EXTRA BENEFIT ON EXTREMELY SERIOUS CONDITION@

1 The product information in this benefit calculator does not contain the full terms of the product, for the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of relevant products. This plan can only be purchased as a basic plan or as a rider.

2 The highest scores from current and all previous claims will be assigned for each Severity Factors.

^ The maximum claim of the Cumulative Severity Score of 3 points and 4 points is US$50,000 / HK$400,000 / MOP400,000 per insured.

## The surgical categories are for reference only. For the latest surgical categories, please refer to Schedule of Surgical Procedures under the Voluntary Health Insurance Scheme (VHIS) published by the Government.

@ The maximum of Extra Benefit on Extremely Serious Condition is 40% of Sum Assured.

% Including:

  1. Transplant of human bone marrow using haematopoietic stem cells which is preceded by total bone marrow ablation; or
  2. Transplant of one of the following human organs to treat irreversible end-stage failure of the same: heart, lung, liver, kidney, or pancreas.
    Other than as provided in (a) above, stem cell transplants and tissue or cell transplant of pancreas are excluded.

Treatment

Please select the nature of treatment: Please select [Treatment] options
0 point NO +1 point General medication and alternative treatment for
(For Example: Painkillers, Chinese Medicine)
● Carcinoma-in-situ;
● Cancer;
● Heart Attack;
● Stroke; or
● Any other illness or injury resulting in 10 consecutive days or more of hospitalisation +2 points Cancer focused treatment#
(For Example: Radiotherapy, Chemotherapy, Targeted Therapy, Hormonal Therapy, Immunotherapy and Proton Therapy); +4 points Treatment for Specific Target Cancer** EXTRA BENEFIT ON EXTREMELY SERIOUS CONDITION@ +4 points Treatment for failure of Specific Organs+ EXTRA BENEFIT ON EXTREMELY SERIOUS CONDITION@

1 The product information in this benefit calculator does not contain the full terms of the product, for the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of relevant products. This plan can only be purchased as a basic plan or as a rider.

2 The highest scores from current and all previous claims will be assigned for each Severity Factors.

^ The maximum claim of the Cumulative Severity Score of 3 points and 4 points is US$50,000 / HK$400,000 / MOP400,000 per insured.

@ The maximum of Extra Benefit on Extremely Serious Condition is 40% of Sum Assured.

# Cancer focused treatment means non-surgical treatment for direct purpose of curing or controlling the progression of cancer or carcinoma-in-situ.

** Specific target cancer means liver cancer, blood cancer, lymphoma, brain cancer, or any Stage IV cancer.

+ Specific organs mean heart, liver, kidney and lung.

Intensive Hospital Stay

Please select length of stay in the ICU, and whether a coma occurred during hospitalisation: Please select [Intensive Hospital Stay] options

0 point NO +2 point 3 consecutive days or more in ICU +4 points Hospitalisation and coma for 96 consecutive hours or more EXTRA BENEFIT ON EXTREMELY SERIOUS CONDITION@

1 The product information in this benefit calculator does not contain the full terms of the product, for the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of relevant products. This plan can only be purchased as a basic plan or as a rider.

2 The highest scores from current and all previous claims will be assigned for each Severity Factors.

^ The maximum claim of the Cumulative Severity Score of 3 points and 4 points is US$50,000 / HK$400,000 / MOP400,000 per insured.

@ The maximum of Extra Benefit on Extremely Serious Condition is 40% of Sum Assured.

Disability

Please select the disability level: Please select [Disability] options

Click here to find out more information.

0 point NO +2 points Very Serious Level +4 points Extremely Serious Level EXTRA BENEFIT ON EXTREMELY SERIOUS CONDITION@

1 The product information in this benefit calculator does not contain the full terms of the product, for the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of relevant products. This plan can only be purchased as a basic plan or as a rider.

2 The highest scores from current and all previous claims will be assigned for each Severity Factors.

^ The maximum claim of the Cumulative Severity Score of 3 points and 4 points is US$50,000 / HK$400,000 / MOP400,000 per insured.

@ Maximum booster benefit of sum assured is 40%.

Extra Severity Score

Please select the type of illness (max up to 2 points per policy): Please select [Extra Severity Score] options
+1 point Carcinoma-in-situ +2 points Cancer / heart disease or injury / brain disease or injury +2 points Meet the criteria under Intensive Hospital Stay Factor and/or Disability Factor due to any illness or injury

1 The product information in this benefit calculator does not contain the full terms of the product, for the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of relevant products. This plan can only be purchased as a basic plan or as a rider.

2 The highest scores from current and all previous claims will be assigned for each Severity Factors.

^ The maximum claim of the Cumulative Severity Score of 3 points and 4 points is US$50,000 / HK$400,000 / MOP400,000 per insured.

For More Details, Please Contact Our Financial Planner

For More Details, Please Contact Our Financial Planner