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.
- You have the option to take up an OptimaCEO Medical Plan as either a stand-alone insurance plan or as an add-on plan to specified basic plans. The OptimaCEO Medical Plan – First Gift can only be purchased as a basic plan.
- The services as set out in the sections under "Prestigious concierge services to safeguard your health" and "Dedicated medical services with multi-disciplinary care for your cancer journey" are additional value-added services and do not form part of the contractual service.
- Regarding the first-in-market statement (i) for Health Wallet, as of 1 November 2024, compared against individual medical plans provided by major Hong Kong insurance companies; (ii) for experimental drugs benefit, this benefit was first launched by AIA on 22 April 2024 which was first-in-market compared against individual medical plans provided by major Hong Kong insurance companies; (iii) for child and adolescent growth and development support hotline, as of 12 August 2024, compared against individual medical plans provided by major Hong Kong insurance companies. Regarding the rare-in-market statement for Wellness Relationship Manager, as of 12 August 2024, compared against individual medical plans provided by major Hong Kong insurance companies.
- "Signature Healthcare Circle" refers to designated third party medical network service providers engaged by AIA. This service is provided in Hong Kong by the designated third party service providers engaged by AIA and is not applicable to Macau Region, subject to change from time to time at our discretion.
- "OptimaCEO Medical Plan policy with designated plan option" refers to OptimaCEO Medical Plan policy with annual premium payment mode. Under this designated plan option, you will be eligible to apply for OptimaCEO Medical Plan – First Gift as long as the proposed insured of the OptimaCEO Medical Plan – First Gift policy is an expectant mother aged 18 to 45 with gestation period of 22nd week or above, and who is an existing insured of an in-force OptimaCEO Medical Plan policy. On the date of issuance of the OptimaCEO Medical Plan – First Gift policy, the insured expectant mother must remain the existing insured of an in-force OptimaCEO Medical Plan policy with designated plan option. The OptimaCEO Medical Plan – First Gift policy will only be issued after the cooling-off period of the OptimaCEO Medical Plan policy with the same expectant mother as the insured (only applicable to policies issued in Hong Kong).
- The insured of the OptimaCEO Medical Plan – First Gift policy must have been changed from the expectant mother to the newborn baby before AIA will process any claims related to the newborn baby under the policy. You shall notify AIA of the birth of the newborn baby and provide a certified true copy of the newborn baby's birth certificate as soon as possible and within 30 days after his/her birth. We may request for any other information or documents which we may reasonably require.
- Once your newborn baby has become the insured of the OptimaCEO Medical Plan – First Gift policy, within the period of 15 days to 90 days after the date of birth of your newborn baby (both dates inclusive) while such policy remains in force ("designated period"), you may apply for one "designated medical policy" with the same newborn baby as the insured of such "designated medical policy" by simplified medical underwriting. The "designated medical policy" is subject to the choices of insurance products made available by us under this option at the time of your application for the "designated medical policy". The "designated medical policy" currently available for selection is OptimaCEO Medical Plan which will be subject to change by AIA from time to time. After the designated period, standard medical underwriting shall apply to policy application for the "designated medical policy". If your newborn baby does not meet the Company's requirements for simplified medical underwriting, the newborn baby will be required to undergo standard medical underwriting during application for the "designated medical policy". Application for the "designated medical policy" is subject to the Company's approval at its sole discretion.
* 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.
