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  • {{title}}

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    • Philam Life Vitality

    Active Joint Critical Protect

    Secure second

    Health · Coverage for Two · Critical Illness · Life Insurance · Automatic Renewal

    Issue Age

    18-65 YEARS OLD

    Critical Illness Coverage

    FOR 10 YEARS (UNTIL AGE 75)

    You can buy this via

    AIA PHILIPPINES FINANCIAL ADVISOR

    WHAT THIS PRODUCT IS ABOUT 

    Won’t it be great to be able to care for a loved one’s health at the same time as you care for your own? May it be your parents, your siblings, or your children, you want to live better with them. So Stay One Step Ahead with Active Joint Critical Protect, a joint life plan that covers the both of you. Powered by AIA Vitality, it will help you live healthy so you won’t get sick, help you recover from sickness in case you do, and continue until your older years as long as you stay in good health.

    • Calculate your financial needs Calculate your financial needs
    • Talk to us now Talk to us now
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    SHOW YOUR LOVED ONES HOW MUCH YOU CARE

    Covering yourself or your loved ones? Take care of their health as you take care of yours.

    what does it provide?

    • CASH BENEFIT FOR ILLNESSES
      CASH BENEFIT FOR ILLNESSES

      Get a lump-sum cash benefit when either of you get sick from any of the 10 most common covered critical illnesses including heart attack, stroke and cancer. This benefit can also be used as life insurance should the unexpected happen. Plus, you can increase your coverage by levelling up your AIA Vitality Status.

    • AUTOMATIC RENEWAL
      AUTOMATIC RENEWAL

      In case no claim is made within the 10 years of your plan, it will automatically renew to cover you both for another 10 years at a new premium rate. Automatic renewal will continue until the plan terminates either through a claim or any of the insured reaches the age of 65. You don’t need to reapply!

    • MOTIVATION TO LIVE HEALTHIER TOGETHER
      MOTIVATION TO LIVE HEALTHIER TOGETHER

      Know about your health and how to improve it through AIA Vitality, our health and wellness program. It lets you and your loved one enjoy exclusive rewards for living healthy – including 20% upfront additional coverage on your insurance plan.

      LEARN MORE
    insurance lingo explained

    What do we mean by “Joint Life Insurance”?

    Joint Life Insurance plans are plans that cover two people. There are different kinds of joint life plan and may also include add-on benefits. Active Joint Critical Protect specifically includes an accelerated death benefit, which means that the coverage is claimed on a first-to-die or first-to-be-diagnosed basis. In this arrangement, the benefit will be paid if any of the following happens: 1.) critical illness diagnosis of any of the two people covered; or 2.) death of any of the two people covered.

    What do we mean by “Automatic Renewal”?

    Active Joint Critical Protect is a 10-year term plan that automatically renews every 10 years until age 65 to allow coverage until age 75. This 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.

    What do we mean by “Premium Rate”?

    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.

    ADDITIONAL COVERAGE

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

    • Leave behind an additional cash benefit in case the cause of death is an accident.

    THE FINE PRINT

    • Active Joint Critical Protect is a joint life plan with a packaged accelerated critical illness benefit. There is a single face amount for either death or critical illness of either of the insureds. Once this is paid out, the plan ends and no other benefits will be payable.

      Active Joint Critical Protect is a joint life plan with a packaged accelerated critical illness benefit. There is a single face amount for either death or critical illness of either of the insureds. Once this is paid out, the plan ends and no other benefits will be payable.

    • 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.

    • Upon receiving the Policy Contract, you may refer to it for the full details on the Critical Illness definitions, exclusions including the pre-existing conditions, and other limitations. If after reading the Policy Contract, you decide that this plan is not suitable to your needs, simply return it to AIA Philippines within fifteen (15) days from the date you or your authorized representative received it and we will refund to you the total premium you paid.

      Upon receiving the Policy Contract, you may refer to it for the full details on the Critical Illness definitions, exclusions including the pre-existing conditions, and other limitations. If after reading the Policy Contract, you decide that this plan is not suitable to your needs, simply return it to AIA Philippines within fifteen (15) days from the date you or your authorized representative received it and we will refund to you the total premium you paid.

    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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