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  • 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.

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      A plan for every stage in your life

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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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      Enjoy certainty and ease in your planning

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  • Benefit Term

    Whole Life

    Issue age

    15 Days - Age 80

    Why do you need this plan?

    • Simply Love Encore 5 offers you stable returns to secure your future and realise dreams at every stage of life

      Simply Love Encore 5 offers you stable returns to secure your future and realise dreams at every stage of life

    • Terminal Dividend Lock-in Option to realise potential returns

      Terminal Dividend Lock-in Option to realise potential returns

    • Change of Insured Option and Contingent Insured Option to pass your legacy across future generations unlimitedly

      Change of Insured Option and Contingent Insured Option to pass your legacy across future generations unlimitedly

    • Product Brochure Product Brochure

    SPECIFIED PROTECTION PLANS PREMIUM REFUND OFFER

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

    ()
    ()
    Minimum Single / Annual Premium
    (% OFF)

    What does it provide?

    To help you prepare for the future and meet your financial goals, Simply Love Encore 5 provides stable returns in the form of guaranteed cash value, as well as non-guaranteed dividends that can potentially accelerate your long-term wealth accumulation. When the time is right, your Simply Love Encore 5 policy can be passed onto future generations unlimitedly through the Change of Insured Option, while the Contingent Insured Option protects your legacy from unexpected twists in life. With Simply Love Encore 5, you can rest assured knowing that your legacy will last beyond your lifetime, enriching the lives of those you love.

    • Stable returns to secure your future
      Stable returns to secure your future

      Simply Love Encore 5 is a participating whole life insurance plan that covers the entire lifespan of the insured, who is the person protected under the policy. This plan provides you with guaranteed cash value, non-guaranteed Annual Dividends and non-guaranteed Terminal Dividend, all of which form your policy values.

       

      Simply Love Encore 5 can help you achieve guaranteed and potential gains as well as long-term wealth accumulation. We will distribute the profit generated from the product group of participating whole-life insurance plan by providing you with non-guaranteed annual cash amounts called Annual Dividends on a yearly basis, which begin from the end of the corresponding policy year. For more details, please refer to “Cover at a glance”. You may choose to receive the Annual Dividends in cash, or use them to reduce any premium due under this policy (for a policy other than a one-time premium payment policy). Otherwise, these sums shall accumulate in your policy, potentially earning interest. Also, once the policy has been in force for 2 years (for a one-time premium or 5-year premium payment policy) or 5 years (for a 10-year premium payment policy), we will provide you with a one-off non-guaranteed cash amount, called a Terminal Dividend if:

      i. you surrender the policy; or

      ii. the insured passes away.

    • Realise potential returns with the Terminal Dividend Lock-in Option
      Realise potential returns with the Terminal Dividend Lock-in Option

      Through the Terminal Dividend Lock-in Option, Simply Love Encore 5 enables you to realise potential returns by transferring the latest value of the Terminal Dividend into a Terminal Dividend Lock-in Account to earn interest at a non-guaranteed rate. This is available once per policy year, starting from the end of the 15th policy year.

       

      To provide further flexibility for your financial needs throughout various life stages, you can also withdraw cash from the Terminal Dividend Lock-in Account anytime without reducing the principal amount of your policy.

    • Flexible withdrawal to meet your changing needs
      Flexible withdrawal to meet your changing needs

      With Simply Love Encore 5, you can withdraw your policy values in one go to realise your dreams or make withdrawals flexibly according to your changing needs in the future.

       

      Upon request, you can withdraw part of the guaranteed cash value, the non-guaranteed accumulated Annual Dividends with interest and the non-guaranteed Terminal Dividend. However, this will reduce the future values of your policy. After withdrawal, the principal amount of the policy and the total premium(s) paid for the basic plan under the death benefit may be reduced. 

       

      To meet your changing needs in the future, you may choose to withdraw all cash values in the policy. Upon such withdrawal, you will receive the sum of the guaranteed cash value, any non-guaranteed Annual Dividends that have accumulated with interest under the policy, any non-guaranteed Terminal Dividend, and any remaining balance of the Terminal Dividend Lock-in Account (if applicable) and your policy will be terminated.

       

      We will deduct all outstanding debt under the policy before we make the payment for your withdrawal.

    • Change of Insured Option and Contingent Insured Option to pass your legacy across future generations unlimitedly
      Change of Insured Option and Contingent Insured Option to pass your legacy across future generations unlimitedly

      During the lifetime of the current insured and after the end of the 1st policy year, the Change of Insured Option allows you to change the insured to another loved one, in whom you and the beneficiary have insurable interest. That way, the value of your policy can be inherited by later generations, helping you pass on your wealth with extra flexibility.

       

      With the Contingent Insured Option, during the lifetime of the current insured, you can designate another loved one as a contingent insured, in whom you and the beneficiary have insurable interest. There is no limit on the number of times you can designate, modify or remove a contingent insured, as long as it is done during the lifetime of the current insured, but you may only have one contingent insured per policy at any time during the benefit term. Upon the passing of the current insured, the contingent insured may become the new insured without affecting your policy values so as to protect your legacy for the next generation.

       

      You may change the insured under the Change of Insured Option and / or the Contingent Insured Option as many times as you wish, subject to our approval.

    • Your choice of settlement option if the worst should happen
      Your choice of settlement option if the worst should happen

      If the insured passes away and no contingent insured has become the new insured, we will pay the death benefit to the person whom you select in your policy as beneficiary. The death benefit will include the higher of:

      i. guaranteed cash value; and

      ii. the total premium(s) paid for the basic plan; 

       

      plus

       

      • any Annual Dividends that have accumulated with interest under the policy;

      • any Terminal Dividend; and

      • any remaining balance of the Terminal Dividend Lock-in Account (if applicable).

       

      We will deduct all outstanding debt under the policy before we make the payment to the beneficiary.

       

      To ease your financial burden during unforeseen challenges, Simply Love Encore 5 offers extra protection through an accidental death benefit, which is equal to the total premium(s) paid for your basic plan. This is paid in addition to the above death benefit if the insured passes away due to a covered accident within the first 12 months of the policy.

       

      Apart from a lump sum payment, the death benefit and accidental death benefit can alternatively be paid to your beneficiary in regular instalments by applying the Death Benefit Settlement Option during the lifetime of the insured, according to the specific benefit amounts to be paid at regular intervals chosen by you.

    • Delay premium payments in case of unemployment for 5-year and 10-year premium payment policies
      Delay premium payments in case of unemployment for 5-year and 10-year premium payment policies

      Unemployment may cause a significant impact on your finances. To help ease your financial burden while keeping the insured protected, you may claim for the Unemployment Benefit if you are laid off and become involuntarily unemployed during the premium payment term of the basic plan.

       

      Once your application is approved, the grace period for late premium payment will be extended from 31 days up to 365 days. The Unemployment Benefit is available once per policy. Please refer to the Note for Unemployment Benefit for further details.

    • Add-on cover for policies with a 5-year or 10-year premium payment term
      Add-on cover for policies with a 5-year or 10-year premium payment term

      If you opt for a 5-year or 10-year premium payment term, you may select an add-on plan under which we will waive the future premiums for the Simply Love Encore 5 if the insured becomes totally and permanently disabled before the age of 60, providing support in the face of unfortunate circumstances.

       

      In addition, you may also select the Payor Benefit Rider, under which we will waive the future premiums for the basic plan until the insured reaches the age of 25 should you pass away or suffer total and permanent disability before the age of 60.

       

      All add-on plans are subject to additional premiums, underwriting and exclusions. All benefits under add-on plans will be terminated when your Simply Love Encore 5 policy terminates.

    Important information

    Important information
    - COLLAPSE + EXPAND

    This brochure does not contain the full terms and conditions of the policy. 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 sample before making an application, you can obtain a copy from AIA. This brochure 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 brochure is for distribution in Hong Kong only.

    DIVIDEND PHILOSOPHY

    This is a participating insurance plan designed to be held long term. Your premiums will be invested in a variety of assets according to our investment strategy, with the cost of policy benefits (such as charges to support guarantees) and expenses deducted as appropriate from premiums or assets. Your policy can share the divisible surplus (if any) from related product groups determined by us. We aim to ensure a fair sharing of profits between policy owners and shareholders, and among different groups of policy owners. For this plan’s target profit sharing ratio between policy owners and shareholders, please visit our website at https://www.aia.com.hk/en/our-products/further-product-information/profit-sharing-ratio.html.

    Future investment performance is unpredictable. Through our smoothing process, we aim to deliver more stable dividend payments by spreading out the gains and losses over a longer period of time. Stable dividend payments will ease your financial planning.

    We will review and determine the dividend amounts to be payable to policy owners at least once per year. The actual dividends declared may be different from those illustrated in any product information provided (e.g. benefit illustrations). If there are any changes in the actual dividends against the illustration or in the projected future dividends, such changes will be reflected in the policy anniversary statement.

    A committee has been set up to provide independent advice on the determination of the dividend amounts to the Board of the Company. The committee is comprised of members from different control functions or departments within the organisation both at AIA Group level as well as Hong Kong local level, such as office of the Chief Executive, legal, compliance, finance and risk management. Each member of the committee will exercise due care, diligence and skill in the performance of his or her duties as a member. The committee will utilise the knowledge, experience, and perspectives of each individual member to assist the Board in the discharge of its duty to make independent decision and to manage the risk of conflict of interests, in order to ensure fair treatment between policy owners and shareholders, and among different groups of policy owners. The actual dividends, which are recommended by the Appointed Actuary, will be decided upon the deliberation of the committee and finally approved by the Board of Directors of the Company, including one or more Independent Non-Executive Directors, and with written declaration by the Chairman of the Board, an Independent Non- Executive Director and the Appointed Actuary on the management of fair treatment between policy owners and shareholders.

    To determine the dividends of the policy, we consider both past experiences and the future outlook for all the factors including, but not limited to, the following:

    Investment returns: include interest earnings, dividends and any changes in the market value of the product’s backing assets. Depending on the asset allocation adopted for the product, investment returns could be affected by fluctuations in interest income (both interest earnings and the outlook for interest rates) and various market risks, including credit spread and default risk, fluctuations in equity prices, property prices and foreign exchange currency fluctuation of the backing asset against the policy currency.

    Claims: include the cost of providing death benefits and other insured benefits under the product(s). 

    Surrenders: include policy surrenders, partial surrenders and policy lapses; and the corresponding impact on the investments backing the product(s).

    Expenses: include both expenses directly related to the policy (e.g. commission, underwriting, issue and premium collection expenses) and indirect expenses allocated to the product group (e.g. general administrative costs).

    Some participating products (if applicable) allow the policyholder to leave annual dividends, guaranteed and non-guaranteed cash payments, guaranteed and non-guaranteed incomes, guaranteed and non-guaranteed annuity payments with us, potentially earning interest at a non-guaranteed interest rate. To determine such interest rate, we consider the returns on the pool of assets in which the annual dividends, guaranteed and non-guaranteed cash payments, guaranteed and non-guaranteed incomes, guaranteed and non-guaranteed annuity payments are invested with reference to the past experience and future outlook. This pool of assets is segregated from other investments of the Company and may include bonds and other fixed income instruments. You have the right to request for historical accumulation interest rates before committing the purchase.

    For dividend bonus philosophy and dividend / bonus history, please visit our website at https://www.aia.com.hk/en/dividend-philosophy-history.html


    INVESTMENT PHILOSOPHY, POLICY AND STRATEGY

    Our investment philosophy is to deliver stable returns in line with the product’s investment objectives and AIA’s business and financial objectives.

    Our investment policy aims to achieve the targeted long-term investment results and minimise volatility in investment returns over time. It also aims to control and diversify risk exposures, maintain adequate liquidity and manage the assets with respect to the liabilities.

    Our current long-term target strategy is to allocate assets attributed to this product as follows:

    • Bonds and other fixed income instruments 50%-100%
    • Growth assets 0%-50%

     

    Our investment strategy is to actively manage the investment portfolio i.e.: adjust the asset mix in response to the external market conditions. The proportion of growth assets would be lower when interest rate level is low and would be even lower than the long-term target strategy so to protect the guaranteed liability and to minimise volatility in investment returns over time, and vice versa when interest rate is high.

    The bonds and other fixed income instruments predominantly include government and corporate bonds, and are mainly invested in the geographic region of the United States and Asia-Pacific. Growth assets may include listed equity, equity mutual funds, physical real estate, real estate funds, private equity funds and private credit funds, which are mainly invested in the United States, Asia-Pacific and Europe. Returns of growth assets are generally more volatile than bonds and other fixed income instruments. Subject to our investment policy, material amount of derivatives may be utilised to manage our investment risk exposure and for matching between assets and liabilities.

    Our currency strategy is to minimise currency mismatches. For bonds or other fixed income instruments, our current practice is to currency-match their bond purchases with the underlying policy denomination on best-efforts basis (e.g. US Dollar assets will be used to support US Dollar liabilities and HK Dollar assets will be used to support HK Dollar liabilities). Subject to market availability and opportunity, bonds may be invested in currency other than the underlying policy denomination and currency swap will be used to minimise the currency risks. Currently assets are mainly invested in US Dollar. Growth assets may be invested in currency other than the underlying policy denomination, and the currency exposure depends on the geographic location of the underlying investment where the selection is done according to our investment philosophy, investment policy and mandate.

    We will pool the investment returns from other long term insurance products (excluding investment linked assurance schemes and pension schemes) together with this participating insurance plan for determining the actual investment and the return will subsequently be allocated with reference to the target asset mix of the respective participating products. Actual investments (e.g. geographical mix, currency mix) would depend on market opportunities at the time of purchase. Hence it may differ from the target asset mix.

    The investment strategy may be subject to change depending on the market conditions and economic outlook. Should there be any material changes in the investment strategy, we will inform policy owners of the changes, with underlying reasons and impact to the policies.

     


    KEY PRODUCT RISKS

    1. You should pay premium(s) on time and according to the selected premium payment schedule. If you stop paying the premium before completion of the premium payment term, you may surrender the policy, otherwise, the premium will be covered by a loan taken out on the policy automatically. When the loan balance exceeds the sum of guaranteed cash value and accumulated Annual Dividends with interest (if any) of the basic plan, the policy will terminate and you will lose the cover. The surrender value of the policy will be used to repay the loan balance, and we will refund any remaining value.

    2. The plan may make certain portion of its investment in growth assets. Returns of growth assets are generally more volatile than bonds and other fixed income instruments, you should note the target asset mix of the product as disclosed in this product brochure, which will affect the dividend on the product. The savings component of the plan is subject to risks and possible loss. Should you surrender the policy early, you may receive an amount considerably less than the total amount of premiums paid.

    3. 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, except when the contingent insured becomes the new insured;
      • you do not pay the premium within 31 days (or up to 365 days under Unemployment Benefit) of the due date and the policy has no cash value (Only applicable for a 5-year or 10-year premium payment policy); or
      • any benefit is paid under the basic plan or add-on plan that triggers termination of the policy ; or
      • the outstanding debt exceeds the guaranteed cash value of your policy. Where the premium is covered by a loan taken out on the policy automatically, the outstanding debt exceeds the sum of guaranteed cash value and accumulated Annual Dividends with interest (if any) of your policy.
    4. 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.

    5. 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.

    6. 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.


    KEY EXCLUSIONS TO ACCIDENTAL DEATH BENEFIT

    Accidental Death Benefit will not cover any conditions that result from any of the following:

    • self-destruction while sane or insane, participation in a fight or affray, being under the influence of alcohol or a non-prescribed drug
    • war, service in armed forces in time of war or restoration of public order, riot, industrial action, terrorist activity, violation or attempted violation of the law or resistance to arrest
    • racing on wheels or horse, scuba diving
    • ptomaines or bacterial infection (except pyogenic infection occurring through an accidental cut or wound)
    • air travel, including entering, exiting, operating, servicing or being transported by any aerial device or conveyance (except as a passenger of a commercial passenger airline on a regular scheduled passenger trip over its established passenger route)

     

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


    Note for Unemployment Benefit

    You must be employed under a continuous contract for not less than 24 months and be eligible for a severance payment upon termination under the employment or labour laws of Hong Kong or Macau (according to the place of policy issuance) prior to the involuntary unemployment. Further, such employment cannot be self-employment, employment by a family member (including spouse, parent, grandparent, child or grandchild) or employment as a domestic servant. The Unemployment Benefit starts on the premium due date at the time when we approve your claim and continues for up to 365 days. Proof of continuous unemployment is required by you upon our request. The Unemployment Benefit is not available if you were informed of your pending involuntary unemployment on or before the issue date or commencement date of the policy, whichever is later.

    The Unemployment Benefit will cease on the earliest of the following dates:

    i. at the end of extended grace period,

    ii. you fail to provide proof of continuous unemployment upon our request,

    iii. the date on which the policy owner has been changed,

    iv. the date on which any claims on waiver of premium under your basic plan is approved,

    v. at the end of premium payment term of your basic plan,

    vi. the date when any withdrawals or claims of your basic plan and / or add-on plans is made, if the premium payment mode after the payment of benefits is not monthly,

    vii. the date when you pay all outstanding premiums and

    viii. termination date of your basic plan.

    Claim for Unemployment Benefit must be submitted within 30 days of your involuntary unemployment.

    The Unemployment Benefit could only be claimed once per policy and relevant proof is required. The approval of the Unemployment Benefit is subject to our prevailing rules and regulations, and the handling of policy during the extended grace period will be subject to our discretion.


    CLAIM PROCEDURE

    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

    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.

    After exercising the Change of Insured Option or upon the contingent insured becoming the new insured, if the new insured commits suicide within one year from the effective date of change as recorded by us, our liability will be limited to the refund of premiums paid of the basic plan (without interest) or the sum of guaranteed cash value, accumulated Annual Dividends with interest (if any), Terminal Dividend (if any) and any remaining balance of the Terminal Dividend Lock-in Account (if applicable) as at the date the new insured passes away, whichever is higher, less any outstanding debt.


    INCONTESTABILITY

    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. After exercising the Change of Insured Option or upon the contingent insured becoming the new insured, such two-year period will be counted again starting from the effective date of change as recorded by us.


    CANCELLATION RIGHT

    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 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

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