Life Protection
We encourage everyone to get a life insurance / takaful plan and to start when you're young and eligible.
At AIA, we have life insurance / takaful plans suitable for customers from as young as 14 days up to 70 years old, with coverage up to 100 years old.
We are delighted that your company cares for your wellbeing. However, there are several reasons why your company-provided life insurance might not be sufficient:
- Company-provided life and health insurance coverage might be minimal and not customised to your needs.
- Insurance coverage might only be valid as long as you’re working in the company.
- The coverage amount your beneficiaries get might not be enough to support them comfortably.
Therefore, we encourage you to sign up for an individual life insurance plan to guarantee benefits and coverage better suited to your needs.
Each insurance application is assessed based on a person’s insurability, i.e. their age, medical profile, lifestyle and occupation.
The insurance premium / takaful contribution amount is dependant on the coverage amount you are looking for, as well as your age and health status.
The higher your coverage amount and age, the higher your premium / contribution amount. If you have any existing health conditions, you may not be entitled to purchase an insurance / takaful plan, or may have to pay a loading fee on top of your premium / contribution amount.
Hence, the key is getting covered when you're young and healthy. Your insurance premium could be affordable, costing only as much as your daily cup of coffee.
It is important that you review your insurance every few years as you would have different needs as you progress in life. Over the years, you may have moved up in your career, gotten married or started a family. The reviewing process allows you to consider how you would want to protect your loved ones should the unexpected happens to you.
AIA offers 3 types of life insurance / takaful plans to suit your different needs:
- Basic: Provides you with essential protection.
- Comprehensive: Provides comprehensive coverage for your needs.
- Add-on: Flexible plans that you can add to your protection plan to meet your individual needs.
View all our Life Protection plans here.
We can connect you to our AIA Life Planner. Kindly drop us your contact details by clicking on this link or call us on 1300-88-1899.
Medical Protection
Everyone can benefit from having a medical insurance / takaful plan — and it’s best to start when you’re young and eligible.
At AIA, our medical insurance / takaful plans are available for life insureds from as early as pregnancy (13 weeks gestation for pre-natal) up to 70 years old, with coverage that lasts up to 100 years old.
Employer-provided medical coverage is a good start, but it may not be enough to cover your personal healthcare needs because:
- Coverage is usually basic (lower annual limits, limited benefits, restricted panel)
- Coverage ends when you leave the company, change jobs, or retire
- Coverage terms and limits are determined by the employer and may result in out-of-pocket expenses due to co-insurance, deductibles, non-panel hospital use, depending on the scope of the employer's plan
Having your own individual medical insurance / takaful medical plan gives you continuous protection, control over benefit limits, riders, and helps safeguard your savings against rising medical costs.
If you need help comparing options, we can connect you to our AIA Life Planner to assist you further.
It depends on the type of medical coverage you need and your personal healthcare priorities. Here are some key factors to consider:
- Your healthcare needs
- Coverage and benefits
- Annual and lifetime limits
- Cost-sharing features
If you need help choosing a plan that fits your needs and budget, we can connect you to our AIA Life Planner to assist you further.
Eligibility for a medical insurance / takaful plan is assessed based on several factors, including your age, current health condition, medical history, lifestyle, and occupation. We use this information to determine your coverage options, required disclosures, and whether any exclusions or waiting periods may apply.
If you are unsure about your eligibility or what documents you need,we can connect you to our AIA Life Planner for guidance on your eligibility.
Our medical plan not only protects you when you're unwell, but with AIA Vitality integrated into our medical plans, we reward you when you make healthy choices - enjoy additional health coverage and lifestyle benefits.
This is subject to selected plans' eligibility.
Critical Illness Protection
We encourage everyone to get a critical illness insurance / takaful plan and to start when you're young and eligible.
At AIA, we have critical illness insurance / takaful plans suitable for customers from as young as 13 weeks of gestation for pre-natal, to 100 years old.
Each insurance application is assessed based on a person’s age, medical profile, lifestyle and occupation.
Depending on our AIA Critical Illness insurance / takaful plan, AIA considers and covers up to 180 critical illness conditions such as stroke, cancer, heart attack, kidney failure and more.
AIA offers 3 types of critical illness insurance / takaful plans to suit your different needs:
- Basic: Provides you with essential protection.
- Comprehensive: Provides comprehensive coverage for your needs.
- Add-on: Flexible plans that you can add to your protection plan to meet your individual needs.
View all our Critical Illness Protection plans here.
We can connect you to our AIA Life Planner. Kindly drop us your contact details by clicking on this link or call us on 1300-88-1899.
Investment & Savings
We encourage everyone to, as we are here to support you to achieve your financial goals with our investment-linked insurance / takaful plans.
AIA currently offers 2 types of investment-linked insurance / takaful plans to suit your different needs:
- Basic: Provides you with essential coverage.
- Add-on: Flexible plans that you can add to your basic plan to meet your individual needs.
View all our Savings & Investment plans here.
We can connect you to our AIA Life Planner. Kindly drop us your contact details by clicking on this link or call us on 1300-88-1899.
Accident Protection
We encourage everyone to have a personal accident insurance plan as misfortune strikes when you least expect it. This ensures that you and your loved ones have sufficient financial support if you meet with an accident.
Each insurance application is assessed based on a person’s age, medical profile, lifestyle and occupation.
Your coverage is valid until you reach your plan’s coverage age limit and as long as you continue paying your monthly payments (premiums). Failure to make your payments could result in your coverage ending and your plan being terminated.
AIA offers 2 types of personal accident insurance plans to suit your different needs:
- Comprehensive: Provides comprehensive coverage for your needs.
- Add-on: Flexible plans that you can add to your basic protection plan to meet your individual needs.
View all our Accident Protection plans here.
We can connect you to our AIA Life Planner. Kindly drop us your contact details by clicking on this link or call us on 1300-88-1899.
