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  • {{title}}

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    • Philam Life Vitality

    AIA Health Cover

    Secure second

    Health · Critical Illness · Life Insurance · Medical Insurance

    Issue Age

    0-60 YEARS OLD

    Critical Illness Coverage

    Up to 80 Years Old

    You can buy this via

    AIA Philippines FINANCIAL ADVISOR

    WHAT THIS PRODUCT IS ABOUT 

    We know you can't help but worry about a lot of things in life. Your hospital bills
    shouldn't add to that. That's why there's AIA Health Cover. It's a peso-denominated
    variable life insurance that provides comprehensive health and protection benefits.

    Now, you can focus on getting better, and taking back control of your life
    so you can support the ones you love.

    • Calculate your financial needs Calculate your financial needs
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    what does it provide?

    • Comprehensive Health Coverage
      Comprehensive Health Coverage

      Major Critical Illness

      Get a lump sum cash benefit in case insured is diagnosed with any of the 57 covered Major Critical Illnesses including cancer, heart attack, and stroke, until age 80.

       

      Minor Critical Illness

      If you are diagnosed with any of the 34 covered minor critical illnesses, you will receive 25% (up to a maximum of ₱1,000,000) of your major critical illness coverage in advance.*

       

      *This feature can be used only once.

       

       

      Learn More About Critical Illness Coverage
      Critical Illness Coverage Explained
    • Life Insurance Coverage
      Life Insurance Coverage

      Have peace of mind knowing you will leave behind a life insurance benefit for your loved ones in case the unexpected happens. In the event of loss of life, AIA Health Cover will pay out a lumpsum cash benefit to your beneficiaries, which can go as high as 45 times your basic annual premium.

    • Daily Hospitalization Income
      Daily Hospitalization Income

      Get up to P5,000 worth of Daily Hospitalization Income for every day that you're confined, over the course of a year, to offset any income loss you may experience from being hospitalized. Avoid the stress of medical expenses and focus on recovery instead of having to worry about your daily income!

    • Waiver of Premium for Critical Illness
      Waiver of Premium for Critical Illness

      In the event of diagnosis of critical illness, you won't have to pay your basic annual premium, rider premiums (except for medical rider, if attached) and special top-up payments anymore. This waiver frees you from financial worries so you can focus on more important things.

    • AIA Vitality
      AIA Vitality

      The best response to hospitalization is avoiding it altogether. By living better, you avoid sickness and other medical conditions that require confinement. AIA Health Cover comes with AIA Vitality —a science-backed platform that encourages a healthier lifestyle by rewarding you for every step through your fitness journey. It empowers you to know your health, improve your health, and enjoy the rewards, keeping you strong and helping you live a healthier, longer, and better life.

      Learn More
    insurance lingo explained

    What does "premium" mean?

    This is the fee you pay us to protect you and your loved ones for a specified risk in a specified period of time.

    What do we mean by "total disability"?

    This is a condition resulting from injury or sickness wherein a person is unable to work or earn money from any occupation or business he is reasonably qualified by way of education, training or experience.

    What does medical benefit lifetime limit mean?

    The lifetime limit of your medical benefit refers to the maximum amount AIA Philippines will cover all throughout the duration of the policy. The lifetime limit will depend on the package you have chosen.

    Already a Policy Holder?
    • Claim Guide Claim Guide
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    • Medical Benefit Guidebook Medical Benefit Guidebook

    ADDITIONAL COVERAGE

    You can choose to add this optional feature below to customize your plan’s coverage.

    Medical Benefit Rider
    Medical Benefit Rider
    - COLLAPSE + EXPAND

    The medical benefit riders covers you in-patient hospitalization and medical expenses through the Avega health card. Because of its convenient co-pay arrangement, 90% of the bill will automatically be charged to AIA Philippines so that you will only have to pay the remaining 10%.

    AIA Health Cover can shoulder up to P4,000,000 annually.

    Payor's Benefit for Death and Disability
    Payor's Benefit for Death and Disability
    - COLLAPSE + EXPAND

    In the event of total and permanent disability or loss of life of the plans payor, you won't have to pay your basic annual premiums, rider premiums (except for medical rider, if attached) and special top-up payments anymore. This waiver frees you from financial worries so you can focus on more important things.

    THE FINE PRINT

    • AIA Health Cover is a life insurance plan that covers major and minor critical illnesses from ages 0 to 80. It has an additional Daily Hospital Income, Medical Benefit Rider, Waiver of Premium and AIA Vitality.

      AIA Health Cover is a life insurance plan that covers major and minor critical illnesses from ages 0 to 80. It has an additional Daily Hospital Income, Medical Benefit Rider, Waiver of Premium and AIA Vitality.

    • The contents of this page are for illustration purposes only. Actual terms and conditions are found in the Policy. In case of conflict, the terms of the policy shall prevail.

      The contents of this page are for illustration purposes only. Actual terms and conditions are found in the Policy. In case of conflict, the terms of the policy shall prevail.

    • Reminder on Pre-existing Conditions and Free-Look. Upon receiving the Policy Contract, you may refer to the document for full details on the definitions, exclusions including the pre-existing conditions, and other limitations. If you decide that this plan is not suitable to your needs after reading the Policy Contract, simply return the document to AIA Philippines within fifteen (15) days from the date when you or your authorized representative received it and we will refund to you the sum of (1) the Account Value, (2) any Policy Charges that have been deducted against the Account Value, and (3) total premiums paid for Critical Protect 80, Minor Critical Illness 80, Daily Hospital Income Benefit, Medical Benefit and Waiver of Premium riders, if any of the riders are attached, including Vitality Membership Fee, less any benefits paid by AIA Philippines.

      Reminder on Pre-existing Conditions and Free-Look. Upon receiving the Policy Contract, you may refer to the document for full details on the definitions, exclusions including the pre-existing conditions, and other limitations. If you decide that this plan is not suitable to your needs after reading the Policy Contract, simply return the document to AIA Philippines within fifteen (15) days from the date when you or your authorized representative received it and we will refund to you the sum of (1) the Account Value, (2) any Policy Charges that have been deducted against the Account Value, and (3) total premiums paid for Critical Protect 80, Minor Critical Illness 80, Daily Hospital Income Benefit, Medical Benefit and Waiver of Premium riders, if any of the riders are attached, including Vitality Membership Fee, less any benefits paid by AIA Philippines.

    • Premium period is not guaranteed. In the future, if the account value becomes insufficient to pay for charges, it is possible that additional premiums (i.e. top-ups) will be required to continuously enjoy the benefits of this plan and its riders.

      Premium period is not guaranteed. In the future, if the account value becomes insufficient to pay for charges, it is possible that additional premiums (i.e. top-ups) will be required to continuously enjoy the benefits of this plan and its riders.

    • The amount of your account value will vary depending on fund performance which may be affected by market conditions.

      The amount of your account value will vary depending on fund performance which may be affected by market conditions.

    • For insured age 0-17, benefit of the plan would include the Life Insurance Coverage, Critical Illness coverage and an optional Payor's Benefit for Death and Disability only.

      For insured age 0-17, benefit of the plan would include the Life Insurance Coverage, Critical Illness coverage and an optional Payor's Benefit for Death and Disability only.

    Covered Critical Illnesses
    1. Heart Attack
    2. Stroke
    3. Cancer
    4. End-Stage Lung Disease
    5. Coronary Artery Bypass
    6. Cardiomyopathy
    7. Heart Valve Replacement
    8. Primary Pulmonary Arterial Hypertension
    9. Kidney Disease
    10. Total & Permanent Disability due to Critical Illness*
    * TPD is up to age 65 of the older insured only.

    The premium rate of the plan is the amount of payment you need to make. For Active Joint Critical Protect, this will be the same for each of the 10 years of the plan. After that and when it automatically renews for another 10 years, you will have a new premium rate and it will be based on the age of both you and your loved one at the time of renewal.

    Automatic Renewal means that it covers both you and your loved one for the first 10 years, and, barring a critical illness or a death claim, will continue to cover you for the succeeding 10 at an adjusted premium rate. The renewal will continue every 10 years.

    CONTACT AIA PHILIPPINES

    PH: (02) 8 528 2000
    INT PLDT NDD: 1800 10 528 2000

     

    AIA Philippines Head Office
    16F-18F Six/NEO Building
    5th Avenue corner 26th Street
    Bonifacio Global City, Taguig
    Metro Manila, Philippines 1634

    CONTACT AIA Philippines

    PH: (02) 8 528 2000
    INT PLDT NDD: 1800 10 528 2000

     

    AIA Philippines Head Office
    15-18F Six/NEO Building
    5th Avenue corner 26th Street
    Bonifacio Global City, Taguig
    Metro Manila, Philippines 1634

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