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Simple Care Essence

Offers essential cover up to 115 illnesses, with life protection and the option to convert to a whole life plan
Benefit term Up to age 80
Issue age 15 days to age 65
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custom icon Covered illnesses explained

Featured benefits

Conversion privilege

No additional health information is required for converting into a whole life or a whole life with critical illness insurance plan1

Enjoy premium discount

Enjoy a permanent 20% discount on your standard premiums above a specified sum assured

All-round protection against 115 illnesses

Covers 58 critical illnesses, 44 early stage critical illnesses, and 13 severe child diseases

Early stage critical illness benefit cover

Covers diabetic complications, Carcinoma-in-situ and early stage cancer, minimally invasive surgery and treatment, and other diseases

Guaranteed renewal until the insured's age 80

Renewal premiums will not be raised as a result of any claims the insured has made, or any changes in the insured's health condition with a 5-year renewal term

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.

Buy online

For HKID card holders who are aged 18 or above, you can buy this product in Hong Kong via our online platform AIA iShop. See how much you'll pay.

Limited-time offers

Apply now to get 3 months premium refund.
Terms & conditions apply. Refer to the promotional leaflet for details.

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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 a Simple Care Essence as either a stand-alone insurance plan or as an add-on plan to specified basic plans.
  1. The conversion privilege is available on or before the anniversary of cover immediately following the insured's 70th birthday and subject to additional premium and choices of products then made available for the purpose of this privilege.
* 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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