Skip to main content
  • ENG
  • 繁體
  • Home
  • Life Protection
    • Wisdom Term
  • Health Care Protection
    • Cancer Guardian 2 Series
    • Cancer Care Essence
    • AIA Voluntary Health Insurance Standard Scheme
    • AIA Voluntary Health Insurance Flexi Scheme
    • AIA Voluntary Health Insurance Prime Scheme
    • AIA One Absolute – Cancer & Serious Infectious Disease Protection
    • Simple Care Essence
  • Accident & Other Protections
    • Here For You Refundable Accident Plus
    • Super Adults Shield
    • Runner Guard
    • Xtra Protect
    • Secure First
  • Savings
    • Simply Love Encore 5
  • General Insurance
    • Domestic Worker Protector
    • Executive Golfer
    • Home Insurance
    • Runner Guard
  • Promotion Offer
    • AIA Vitality
    • AIA iShop General Insurance Lucky Draw Promotion
  • My application
  • Wish List
  • Logout
AIA
  • Life Protection

    Life Protection

    Rain or shine, life protection ensures your loved ones are well taken care off, helping you to forge ahead without any worries.

    • Wisdom Term

      A plan for every stage in your life

  • Health Care Protection

    Health Care Protection

    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.

    • Cancer Guardian 2 Series

      Protecting you for life against the odds

    • Cancer Care Essence

      Stand by you through difficult times

    • AIA Voluntary Health Insurance Standard Scheme

      Plan your family’s healthy future

    • AIA Voluntary Health Insurance Flexi Scheme

      Lifetime protection for those who matter most

    • AIA Voluntary Health Insurance Prime Scheme

      Superb protection that supports you through life's hardships

    • AIA One Absolute – Cancer & Serious Infectious Disease Protection

      Breakthrough protection for a new era

    • Simple Care Essence

      Spread a wide safety net for a secure future

  • Accident & Other Protections

    Accident & Other Protections

    Accident protection protects you against the unexpected and provides cash pay-out to support your family through those difficult moments.

    • Here For You Refundable Accident Plus

      Accident protection to carry you through the unexpected

    • Super Adults Shield

      Protect every member of your family

    • Runner Guard

      Always give your best race and trust our support

    • Xtra Protect

      Smart preparation for extra peace of mind

    • Secure First

      Protect every member of your family

  • Savings

    Savings

    Whether you are saving for your child's education, building your wealth for retirement, or realising a life goal, it's essential to have the means to reach your financial goals. Savings insurance could help you build up your savings and secure a future to look forward to.

    • Simply Love Encore 5

      Enjoy certainty and ease in your planning

  • General Insurance

    General Insurance

    General insurance provides essential protection for your home, domestic worker, and valuables - even your golfing habit, giving you the peace of mind to savour the finer things in life.

    • Domestic Worker Protector

      Provide your helper with additional protections so that they can take care of your family without worries

    • Executive Golfer

      Perfect your golf experience with up to HK$10 million protection and No Claim Discount

    • Home Insurance

      Be at ease with an all-round protection for your household contents, personal belongings and liability

    • Runner Guard

      Always give your best race and trust our support

  • Promotion Offer

    Promotion Offer

    • AIA Vitality

    • AIA iShop General Insurance Lucky Draw Promotion

  • menu nav menu nav
  • menu nav menu nav
    • ()
  • menu nav menu nav
      • ENG
      • 繁體
    • My Application

    • Contact us

    • Logout

Health Care Protection
Contact Us
Back to Top
  • {{svg}}

    {{title}}

    {{label}}
  • vitality

    Benefit Term

    To age 80

    Issue age

    age 18 - 65

    Why do you need this plan?

    • Simple Care Essence is a critical illness protection insurance plan with protection up to the age of 80, giving you and your family greater protection for the future.

      Simple Care Essence is a critical illness protection insurance plan with protection up to the age of 80, giving you and your family greater protection for the future.

    • Simple Care Essence provides all-round cover for 58 critical illnesses (including 57 major illnesses and 1 minor illness), 44 early stage critical illnesses and 13 severe child diseases.

      Simple Care Essence provides all-round cover for 58 critical illnesses (including 57 major illnesses and 1 minor illness), 44 early stage critical illnesses and 13 severe child diseases.

    • Simple Care Essence guarantees that your premium for renewal will not be raised due to any claims you have made, or any changes in your health condition. You can renew your cover every 5 years and it is guaranteed to be renewable at the end of each renewal period until age 80 of the insured. Renewal premium of the next renewal period will be based on the prevailing premium rates for the age of the insured at the time of renewal (please refer to the “Premium Adjustment” under Important Information).

      Simple Care Essence guarantees that your premium for renewal will not be raised due to any claims you have made, or any changes in your health condition. You can renew your cover every 5 years and it is guaranteed to be renewable at the end of each renewal period until age 80 of the insured. Renewal premium of the next renewal period will be based on the prevailing premium rates for the age of the insured at the time of renewal (please refer to the “Premium Adjustment” under Important Information).

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

    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)
    # The maximum Sum Assured that this platform can accept is HK$650,000, if you wish to apply for a greater Sum Assured, please contact our financial planners.

    Need Help? Talk to us now!

    Contact Us

    SPECIFIED PROTECTION PLANS PREMIUM REFUND OFFER

    Apply successfully for a Specified Protection Plan during the promotion period to enjoy our limited time offer. Learn More.
    (Terms and Conditions apply).

    COVER AT A GLANCE

    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?

    We strive to provide the best for our loved ones, but if a sudden illness strikes, the family’s finances could be threatened. Giving you budget friendly protection against a broad range of health challenges, Simple Care Essence is a 5-year renewable plan that covers as many as 115 major and minor illnesses, including early and late-stage critical illnesses and severe child diseases.

    • Critical illness protection · Life Insurance
      Critical illness protection · Life Insurance

      Simple Care Essence is a critical illness protection insurance plan with protection up to the age of 80, giving you and your family greater protection for the future. It provides all round cover for 58 critical illnesses (including 57 major illnesses ad 1 minor illness), 44 early-stage critical illnesses and 13 severe child diseases.

    • If the worst should happen
      If the worst should happen

      If the insured, who is the person protected under the policy, 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 the Current Sum Assured.
       

      Current Sum Assured means the sum assured left after deduction of all advance payment(s) made for the benefits for any covered illness. The Initial Sum Assured means the protection amount that you have purchased.
       

      If the insured is diagnosed with any covered illness, we will pay the benefit amount for the covered illness (see the Covered Illnesses Benefit Schedule).
       

      Any advance payment(s) made will reduce the Current Sum Assured of the basic policy. The premium will also be reduced accordingly.

    • EARLY STAGE CRITICAL ILLNESS BENEFIT
      EARLY STAGE CRITICAL ILLNESS BENEFIT

      A lot of major illnesses can be treated in early stage and the medical condition can be prevented from worsening. Simple Care Essence provides protection for 44 early stage critical illnesses including: 

      • cover for Carcinoma-in-situ and early stage cancer by up to 2 advance payments if it is diagnosed in 2 different organs 
      • diabetic complications related to Diabetic Retinopathy and Endovascular Treatment of Peripheral Arterial Disease
      • a variety of minimally invasive surgery and treatment
      • treatment for less severe Systemic Lupus Erythematosus 

      For more information, please refer to "Covered Illnesses schedule".

    • FIXED PREMIUM WITH EVERY 5-YEAR COVER PERIOD WITH GUARANTEED RENEWAL
      FIXED PREMIUM WITH EVERY 5-YEAR COVER PERIOD WITH GUARANTEED RENEWAL

      Simple Care Essence guarantees that your premium for renewal will not be raised for any claims you have made, or any changes in your health condition. You can renew your cover every 5 years until age 80 of the insured. Renewal premium of next renewal period will be based on the prevailing premium rates for the age of the insured at the time of renewal (please refer to the “Premium Adjustment” under Important Information).

    • 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 or whole life with critical illness protection insurance plan without requiring additional health information, subject to additional premium and choices of products then made available for the purpose of this privilege.

    • Flexibility to suit your needs
      Flexibility to suit your needs

      You have the flexibility to take Simple Care Essence as either a stand-alone insurance plan or as an add-on plan of specified basic plans.

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

      With Simple Care Essence 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.

    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. In case you want to read policy contract template before making an application, you can obtain a copy from AIA. 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 80 or for this add-on plan until the basic plan it is attached to is terminated. 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:
      • the insured passes away;
      • you do not pay the premium within 31 days of the due date;
      • anniversary of your cover immediately following the insured’s 80th birthday;
      • upon the payments for covered illness in total reaching 100% of the initial sum assured (only applicable if no add-on plan is attached to the basic plan);
      • the plan is converted to a whole life or whole life with critical illness protection insurance plan; or
      • when you take this plan as an add-on plan of any basic plan which has been terminated or converted to a non-participating 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 asa result of exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks.
    5. In some situations, total premiums payable may be greater than the received sum assured.
    6. Your current planned benefit may not be sufficient to meet your future needs since thefuture 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.

    Key Exclusion

    Key Exclusion
    - COLLAPSE + EXPAND

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

    • any illnesses with signs / symptoms or surgeries triggered by the illnesses before the application of the policy or within 90 days after the policy is issued;
    • Fulminant viral hepatitis or cancer of the insured was due to AIDS or HIV Infection; and
    • a self-inflicted injury.

    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 every 5th policy year 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, covered illnesses and covered surgeries;
    • 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.


    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 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).


    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 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 the 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

    EXPLORE AIA

    AIA.COM

    AIA Vitality

    AIA MPF

    AIA Hong Kong

    ABOUT AIA

    Media Center

    Career

    GO TO

    AIA.COM

    Visit our corporate site to learn more about AIA.

    EXPLORE AIA

    AIA Vitality

    AIA Hong Kong

    ABOUT AIA

    Media Centre

    Career


    Copyright © 2022 AIA Group Limited and its subsidiaries. All rights reserved."AIA Hong Kong", "AIA Macau", "AIA", the "Company", "we", "us" or "our" as used in this webpage refers to AIA International Limited (Incorporated in Bermuda with limited liability)
    Terms of Use | Privacy Statement