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    Health is your greatest asset, yet unexpected medical expenses can eat into your savings. With medical protection, you can shield yourself against various medical expenses and focus on your recovery.

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Health Care Protection
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  • vitality

    Benefit Term

    Up to age 85

    Issue age

    Age 18 - 65

    Why do you need this plan?

    • Covers any type of cancer or carcinoma-in-situ, as well as any infectious disease that is a PHEIC according to the WHO

      Covers any type of cancer or carcinoma-in-situ, as well as any infectious disease that is a PHEIC according to the WHO

    • Provides extra protection for conditions with a high degree of severity

      Provides extra protection for conditions with a high degree of severity

    • Payment is based on objective assessment factors such as the form of surgery and treatment taken and length of an ICU stay

      Payment is based on objective assessment factors such as the form of surgery and treatment taken and length of an ICU stay

    • Product Brochure (With Premium Table) Product Brochure (With Premium Table)
    • Policy Provisions Policy Provisions

    LEARN ABOUT OUR INNOVATIVE PRODUCT WITH THESE SIMPLE TOOLS!

    OVERVIEW
    • Learn about our innovative product with this quick video overview

      Learn about our innovative product with this quick video overview
    CALCULATOR AT YOUR HAND
    • Also there’s an easy to use calculator to estimate claims in different medical scenarios, give it a try!

    Help us to know you better for an accurate quote for this stand-alone insurance plan

    Date of birth
    Gender
    Smoking Habit ^
    Sum Assured (HK$)

    ^Smoker defines as someone who have smoked in the past 12 months
    The meaning of “smoking” includes but is not limited to cigarettes, cigars, tobacco pipes, chewing tobacco and the use of nicotine replacement products (such as e‐cigarettes)

    Different options to suit your needs

    AIA One Absolute – Cancer & Serious Infectious Disease Protection provides 2 renewal periods for you to choose from: 1 year and 5 years.

    Different premium payment modes (annually and monthly) are available for this plan. For add-on plans, the premium payment mode should follow the corresponding basic plan.

    ()
    ()
    Monthly Premium
    (% OFF)

    JOIN AND ENJOY AN INSTANT 10% PREMIUM DISCOUNT

    We are excited to introduce AIA Vitality, a game changing wellness programme which redefines the traditional concept of insurance and aims to reward customers to live a healthy lifestyle. Once you join AIA Vitality, you can enjoy an instant 10% premium discount!

    What does it provide?

    As cancer treatments become more specialised, and unknown diseases emerge, your treatment options can lead to uncertainty about medical costs and cover.

    To ease your mind, AIA has created an innovative, first-in-market cancer protection that determines your claims based on severity. Unlike plans that pay you based on your diagnosis, AIA One Absolute - Cancer & Serious Infectious Disease Protection provides payments of up to 160% of your Sum Assured based on an objective assessment of the severity of the insured's medical journey for cancer and carcinoma-in-situ. We calculate claims using our transparent scoring table, which you can check for yourself, giving you a greater sense of certainty about your claim. We have also added cover for serious infectious diseases, like COVID-19 in 2019 – 2020 and even possible future global outbreaks.

    • Severity-based health protection · Life insurance
      Severity-based health protection · Life insurance

      AIA One Absolute – Cancer & Serious Infectious Disease Protection is a severity-based health protection insurance plan that offers life insurance and health protection based on the severity of cancer and carcinoma-in-situ, while providing cover for any existing or unknown serious infectious disease that is a Public Health Emergency of International Concern (PHEIC) according to the World Health Organization (WHO).

    • Serious Infectious Disease Benefit
      Serious Infectious Disease Benefit

      We will pay 20% of the Sum Assured# if the insured, who is the person protected under the policy, is diagnosed with a disease which is a Public Health Emergency of International Concern (PHEIC) according to the World Health Organisation (WHO) within 1 year of the diagnosis and that the insured has stayed in the ICU for 3 or more consecutive days as a result of that disease.

       

      The Serious Infectious Disease Benefit (i.e. 20% of the Sum Assured) will be deducted from the Severe Condition Benefit. The total benefit payment(s) under the Severe Condition Benefit and Serious Infectious Disease Benefit cannot exceed 120% of the Sum Assured. Any payment(s) made under the Serious Infectious Disease Benefit will reduce the subsequent premium in proportion to the Sum Assured of this plan.


      # Subject to a maximum of HK$400,000 per insured.

    • CLAIMS BASED ON YOUR MEDICAL NEEDS
      CLAIMS BASED ON YOUR MEDICAL NEEDS

      If you undergo surgery, treatment or hospitalisation for cancer or carcinoma-in-situ, you can estimate your claim using our transparent Severity Index. Just follow these easy steps.

       

      Step 1: Check your Severity Score

       

      Step 2: Check your Extra Severity Score

       

      Step 3: Check your Cumulative Severity Score to determine your Severity Condition Benefit

       

      Step 4: Check your Extra Benefit on Extremely Servious Condition (if any)

    • ENJOY A PERMANENT 20% PREMIUM DISCOUNT ABOVE A SPECIFIED SUM ASSURED
      ENJOY A PERMANENT 20% PREMIUM DISCOUNT ABOVE A SPECIFIED SUM ASSURED

      With AIA One Absolute – Cancer & Serious Infectious Disease Protection, you can choose a high degree of protection for the peace of mind you deserve no matter what the future brings. To help you make the most of your protection, we offer a permanent 20% premium discount for a Sum Assured of HK$1,875,000 or above.

       

      This discount is only applicable to the standard premiums of this plan and shall not apply to any extra premiums due to loading.

    • If the worst should happen
      If the worst should happen

      If the insured passes away, we will pay the death benefit to the person whom you select in your policy as beneficiary.
       

      The death benefit will be equal to 100% of the Sum Assured, the protection amount that you have purchased, less any payments made under the Severe Condition Benefit and Serious Infectious Disease Benefit.

    • Continuous protection
      Continuous protection

      Once claims reach:


      i. 100% of Sum Assured under the Severe Condition Benefit and Serious Infectious Disease Benefit; or

      ii. 40% of Sum Assured under the Extra Benefit on Extremely Serious Condition,


      all subsequent premiums of this plan will be waived. Add-on plans (if any) attached to the basic policy will remain in force and provide cover if their respective premiums continue to be paid.

    • Conversion Privilege
      Conversion Privilege

      On or before the anniversary of cover immediately following the insured’s 70th birthday, the plan can be converted into a whole life protection insurance plan without requiring additional health information, subject to increase in premium and choices of products then made available for the purpose of this privilege.

    • Different options to suit your needs
      Different options to suit your needs

      AIA One Absolute – Cancer & Serious Infectious Disease Protection provides 2 renewal periods for you to choose from: 1 year and 5 years.


      Pick one renewal period option that best suits your needs so that you can plan ahead.

    • Guaranteed Renewal
      Guaranteed Renewal

      AIA One Absolute – Cancer & Serious Infectious Disease Protection guarantees that your premium will not be increased because of any changes in the insured's health condition during each renewal period. This cover is guaranteed to be renewable at the end of each renewal period up to the age of 85 of the insured. Renewal premium of next renewal period will be based on the current premium rates for the age of the insured at the time of renewal (please refer to the “Premium Adjustment” under Important Information).

    Notes

    All information here is for reference only. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of coverage. 

    We would like to remind you to review product materials and proposal illustrations (if appliable) provide to you and seek independent professional advice if necessary.

    This is an insurance plan without savings element. All premiums are paid for the insurance and related costs.

    This plan can be purchased as either a stand-alone insurance plan or as an add-on plan of specified basic plans, but only available to purchase as stand-alone insurance plan in this platform.


    Important information

    Important information
    - COLLAPSE + EXPAND

    The product information in this website is for reference only. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of this product. The precise terms and conditions of this plan are specified in the policy contract. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover. The product information in this website should be read along with the illustrative document (if any) and other relevant marketing materials, which include additional information and important considerations about this product. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary.

    This plan is an insurance plan without any savings element. All premiums are paid for the insurance and related costs.

    The product information in this website is for distribution in Hong Kong only.


    Key Product Risks

    Key Product Risks
    - COLLAPSE + EXPAND
    1. You should pay premium(s) for this plan till insured’s age 85. If you do not pay the premium within 31 days of the premium due date, the policy will be terminated and you / the insured will lose the cover.
    2. You may request for the termination of your policy by notifying us in written notice. Also, we will terminate your policy and you / the insured will lose the cover when one of the following happens:
      • when the claims payments made in total for Severe Condition Benefit and Serious Infectious Disease Benefit under the policy reach 120% of the Sum Assured (where no add-on plan is selected);
      • the insured passes away;
      • when you take this plan as an add-on plan of any basic plan which has been terminated or converted to a nonparticipating insurance plan;
      • you do not pay the premium within 31 days of the due date; 
      • anniversary of your cover immediately following the insured’s 85th birthday; or
      • the plan is converted to a whole life insurance plan.
    3. We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, you may lose your premium paid and benefits.
    4. You are subject to exchange rate risks for plans denominated in currencies other than the local currency. Exchange rates fluctuate from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks.
    5. Your current planned benefit may not be sufficient to meet your future needs since the future cost of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, you may receive less in real terms even if we meet all of our contractual obligations.
    6. If the insured undergoes a surgery which is not included in any surgical category under the Voluntary Health Insurance Scheme Schedule of Surgical Procedures, or if this Schedule of Surgical Procedures is no longer valid or is replaced, or if the categories of surgical procedures in this Schedule are renamed or otherwise changed, we will reasonably determine the applicable surgical category based on other surgical procedures with similar difficulty and complexity included in the Schedule of Surgical Procedures and / or any other publication or information from the Government, relevant authorities or medical associations.
    7. If Public Health Emergency of International Concern is no longer valid due to any change at or made by the World Health Organization (including if the World Health Organization ceases to exist), from that point onward, we will choose at our option to either follow the last such declaration by the World Health Organization or any other equivalent declaration from other health organisations.
    8. In some situations, total premiums payable may be greater than the received Sum Assured.

    Key Exclusion

    Key Exclusion
    - COLLAPSE + EXPAND

    Except for the death benefit, under this plan, we will not cover any events or conditions that result from any of the following events:

    • any illnesses with signs / symptoms which first occurred before or within 90 days after the policy is issued;
    • any treatment, investigation, service or supplies which are not medically necessary;
    • any confinement (including in the Intensive Care Unit) which is not a Reasonable and Customary Hospital Confinement;
    • routine health checks, screening or preventive services or supplies;
    • any experimental, unproven or unconventional medical technology / procedure / therapy or novel drugs/ medicines, except in relation to a claim involving the Severity Level of Serious or Extremely Serious under Treatment Factor;
    • mental, behavioural, psychiatric or psychological disorder, including but not limited to anxiety, anorexia, depression stress, fatigue, psychiatric complications of a physical disorder, cognitive impairment, sleep disorders, nicotine or alcohol or drug or substance abuse/dependency, or any complication of any of them;
    • cosmetic or plastic surgery, prophylactic surgery or treatment, treatment of obesity (including morbid obesity) and weight control programmes, organ donation as the donor, or treatment of an optional nature, except plastic or reconstructive surgery on the head or on the breast which is deemed to be medically necessary to restore function or appearance following previous surgery on the head or breast done for a covered illness of cancer or carcinoma-in-situ (surgery solely for isolated dental restorations is excluded);
    • convalescence or custodial or rest care;
    • AIDS or any complications associated with HIV Infection, except where occupationally acquired or due to blood transfusion or assault; and
    • any treatment or medications that are not provided under the practice of western medicine, except in relation to a claim involving the Severity Level of Serious or Extremely Serious under the Treatment Factor.

    The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.


    Premium Adjustment

    Premium Adjustment
    - COLLAPSE + EXPAND

    In order to provide you with continuous protection, we will review the premium of your plan from time to time and adjust it accordingly at the end of each renewal period if necessary. During the review, we may consider factors including but not limited to the following:

    • claim costs incurred from all policies under this plan and the expected claim outgo in the future which reflects the impact of change in the incidence rate of deaths and impact of medical trend;
    • potential changes in the list of Public Health Emergencies of International Concern and the Schedule of Surgical Procedures under theVoluntary Health Insurance Scheme;
    • historical investment returns and the future outlook of the product’s backing asset;
    • policy surrenders and lapses; or
    • expenses directly related to the policy and indirect expenses allocated to this product.

     

    We will give you a written notice of any revision 31 days before renewal.


    Product Limitation

    Product Limitation
    - COLLAPSE + EXPAND
    • The Surgery Factor applies only if the insured undergoes a Medically Necessary surgery due to the diagnosis of the covered illness of cancer or carcinoma-in-situ.
      The Treatment Factor applies only if the insured receives or is in the process of receiving Medically Necessary medical treatment due to the diagnosis of the covered illness of cancer or carcinoma-in-situ.
      “Medically Necessary” means a medical service, procedure or supply which:

      • is consistent with generally accepted professional standards of medical practice;
      • is required to establish a diagnosis and/or to provide treatment; and
      • cannot be safely delivered at a lower level of medical care.

      Experimental, screening and preventive services or supplies are not considered Medically Necessary.

    • The Intensive Hospital Stay Factor applies only if the insured stays in hospital due to the diagnosis of a covered illness of cancer or carcinoma-in-situ for a Reasonable and Customary Hospital Confinement.
      “Reasonable and Customary Hospital Confinement” means:
      A confinement in hospital for illness which is Medically Necessary, where the admission of the insured, length of confinement, and medical services and treatment received during confinement:

      • are all in accordance with standards of good medical practice; and
      • do not exceed the usual standard for the treatment of similar illness at the location where such confinement takes place.

    CLAIM PROCEDURE

    CLAIM PROCEDURE
    - COLLAPSE + EXPAND

    If you wish to make a claim, you must send us the appropriate forms and relevant proof. You can get the appropriate claim forms in www.aia.com.hk, from your financial planner, by calling the AIA Customer Hotline (852) 2232 8888 in Hong Kong, or (853) 8988 1822 in Macau, or by visiting any AIA Customer Service Centre. For details related to making a claim, please refer to the Claim Procedure section in the policy contract. If you wish to know more about claim related matter, you may visit File A Claim section under our company website www.aia.com.hk


    Suicide

    Suicide
    - COLLAPSE + EXPAND

    If the insured commits suicide within one year from the date on which the policy takes effect, our liability will be limited to the refund of premiums paid (without interest) less any outstanding debt.


    Incontestability

    Incontestability
    - COLLAPSE + EXPAND

    Except for fraud or non-payment of premiums, we will not contest the validity of this policy after it has been in force during the lifetime of the insured for a continuous period of two years from the date on which the policy takes effect. This provision does not apply to any add-on plan providing accident, hospitalisation or disability benefits.


    Cancellation Right

    Cancellation Right
    - COLLAPSE + EXPAND

    You have the right to cancel and obtain a refund of any premiums and any levy paid by giving written notice to us. Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong or the Customer Service Centre of AIA International Limited at Unit 1903, 19/F, AIA Tower, 251A - 301 Avenida Comercial de Macau, Macau within 21 calendar days immediately following either the day of delivery of the policy or the Cooling-off Notice to you or your nominated representative, whichever is earlier.


    CONTACT AIA
    Hong Kong
    • Customer Service Centres:
      • Prior booking is highly recommended - Customer Service Centre will serve customers who have made appointment with priority. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).


    HONG KONG

    (852) 2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong

    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong

    Mon-Fri 8:45am - 6:00pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

    CONTACT AIA

    Hong Kong
    • Customer Service Centres:
      • Prior booking is highly recommended - Customer Service Centre will serve customers who have made appointment with priority. Customers could book service via our mobile application AIA Connect (Profile > Contact AIA > Customer Service Centre Enquiry Appointment Service) or book it via our corporate website (https://www.aia.com.hk/en/help-and-support/individuals/appointment-form.html).


    Hong Kong

    T: (852)  2232-8888

    Hong Kong Island
    AIA Wealth Select Centre
    12/F, AIA Tower,
    183 Electric Road,
    North Point, Hong Kong
     
    Kowloon
    Suite 1313, 13/F,
    AIA Kowloon Tower,
    Landmark East, 100 How Ming Street,
    Kwun Tong, Kowloon, Hong Kong
     
    Mon-Fri 8:45am - 6:00pm
    (Open through lunch)
    Sat, Sun & Public Holidays Closed

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