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Health Journey Guardian

Comprehensive medical cover from prevention, prediction and diagnosis to treatment and recovery at affordable premiums

Benefit term Whole life
Issue age 15 days to age 80
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Featured benefits

Outpatient benefits

Up to 30 outpatient visits per policy year with a quality medical network

Lifetime guaranteed renewal 

Renewal premiums will not be raised as a result of any claims you have made, or any changes in your health condition

Cancer benefits

Diagnosis, cancer treatment and monitoring benefits with 3 plan options

Rehabilitation and hospice care benefits

First-in-market1 cover of rehabilitation and hospice care at home

Lifestage benefits

Complimentary medical check-up and a series of wellness services2

Value-added service

Specialist Network

Multi-discipline specialist network to offer you high-quality medical services

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Medical Expense Pre-approval Service

To allow you to be in control of your day surgery or hospitalization expenses

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Cashless Hospitalisation

AIA will settle your medical expenses directly with the private hospital on your behalf

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Personal Medical Case Management Services with Rehabilitation Management

Provide online expert medical second opinionand rehabilitation recommendation with immediate support

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Telemedicine Service (only applicable to insured physically in Hong Kong)

Let you have a medical consultation and medication while staying at home

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Worldwide Emergency Assistance

24-hour worldwide assistance hotline

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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 or as an add-on plan.

Limited-time offers

Apply now to enjoy 3 months premium refund.
Terms & conditions apply. Refer to the promotional leaflet for details. 
Notes
 
  • The above information is for Hong Kong only.

  • 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.

  • You have the option to take up a Health Journey Guardian as either a stand-alone insurance plan or as an add-on plan to specified basic plans.
  1. First-in-market is as of 1 December 2021 and is compared with comprehensive medical products provided by Hong Kong major insurance companies.

  2. You can enjoy complimentary check-up services every 3 policy years and a series of reimbursable wellness services after the 5th policy year.

* 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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