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Grand VIP

Extensive care and greater accident protection, for you and your loved ones
Benefit term Up to age 76
Issue age Age 18 to 70 (for employed person only)
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Featured benefits

Accidental Medical Expenses Reimbursement Benefit

Reimburses medical expenses incurred3, such as bone-setting, acupuncture, physiotherapy and chiropractic if the insured is injured in an accident

Double Accidental Medical Expenses Reimbursement Benefit

If the insured suffers the injury resulted from robbery, the current sum assured under the Accidental Medical Expenses Reimbursement Benefit will be doubled

Compassionate Death Benefit

If the insured passes away, we will pay a lump sum benefit to the beneficiary4

Accidental Death & Dismemberment Benefit

Provides a lump sum benefit in the event of any injuries1 of the insured due to an accident

Permanent Total Disability Benefit

Offers a monthly payment of 2% of the sum assured for up to 50 months beginning from the 7th month if the insured is totally and permanently disabled due to an accident for 6 continuous months

Double Indemnity Benefit and Overseas Double Indemnity Benefit

Doubles the sum assured for death, dismemberment or permanent total disability of the insured in specific accidental events. Double the Accidental Death & Dismemberment Benefit or Permanent Total Disability Benefit2 if the insured is seriously injured or passes away due to accident while travelling overseas

Join AIA Vitality and enjoy an instant 10% premium discount

Once you join AIA Vitality*, you can enjoy an instant 10% premium discount for the first year. As long as you keep up a healthy lifestyle, you can even enjoy up to 15% lifelong premium discount**, while at the same time earning AIA Vitality Points and enjoying an array of rewards and offers to help you live a healthier lifestyle.

Please click here for further details.
The content of this website does not contain the full terms of the product, and the full terms can be found in the policy contract. You have the right to request a sample of policy contract before committing to the purchase. Please note the relevant product risks. This product can be purchased as a basic plan.
Notes
 
  • All information here is for reference only. The product information in this webpage 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 the relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. 

  • This plan can only be purchased as a basic plan. 
  1. Applicable to any of the injuries listed in the Benefits Schedule for Accidental Death & Dismemberment Benefit occuring within 180 days after an accident involving the insured. 

  2. Applicable while travelling outside the territorial limits of Hong Kong SAR or Macau SAR. The Overseas Double Indemnity Benefit will no longer be provided upon Double Indemnity Benefit has been paid, vice versa. 

  3. Applicable within 52 weeks after the accident, up to the maximum limit per accident per insured. 

  4. The payable sum of Compassionate Death Benefit is capped at US$1,300 per life for all such policies held with us. 

* An annual membership fee will be charged for AIA Vitality and a member has to renew the AIA Vitality membership annually on time in order to maintain the membership and enjoy premium discount (if any) in the subsequent policy years. The membership fee of AIA Vitality may vary at any time without prior notice. Likewise, programme benefits may be added or removed without prior notice.

** Premium discount is only applicable to the standard premiums of selected AIA Vitality insurance products (including basic and add-on plans) and shall not apply to any extra premiums due to loading. In all circumstances, the premium discount will be calculated in accordance with the insured's AIA Vitality Status achieved on each policy anniversary. The policy anniversary of AIA Vitality selected insurance products and AIA Vitality membership anniversary may not be the same. For details and offers of AIA Vitality selected insurance products, please visit aia.com.hk/aiavitality.

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