Active Health Invest Plus

Critical care from prevention to recovery

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Active Health Invest Plus

A healthcare insurance plan that gives you comprehensive health and accident coverage and a growing health fund for any medical emergency

This product is a Health Invest Plus variant that comes with an AIA Vitality membership

Issue age

18 to 65 years old

Coverage period

Until 100 years old


Policy benefits

Optional rider

Customize your plan’s coverage with this supplementary benefit

You’ll receive a cash benefit per day of hospital confinement, and get more for long-term hospitalization, ICU stay, outpatient consultations or surgeries

Look forward to a happier fuller life

Insurance lingo

This is the one-time payout we’ll provide your beneficiaries when you pass away

This is the fee you pay us to protect you and your loved ones for a specified risk in a specified period of time

These are supplementary benefits you can add to your plan that can increase your coverage or address specific needs or concerns

These are optional additional premiums or investments to the policy, which can be purchased any time after the policy has been issued

Important details

  • Active Health Invest Plus is a Health Invest Plus variant with built-in Early Stage Critical Illness (ESCI), Waiver of Premium for Critical Illness (WPCI) and Accident and Health (A&H) riders. The Hospital Confinement Benefit rider is optional. It also includes AIA Vitality.
  • If you choose to discontinue your AIA Vitality Membership, you will no longer be availing of the Active variant and only the Health Invest Plus plan will continue.
  • You are exempted from future payments through the WPCI rider. The WPCI rider waives the basic premiums, regular top-ups and special top-ups in case of diagnosis of any of the 56 covered major critical illnesses which commenced at least 90 days after the effective date.
  • Once a claim has been made for any of the 56 major critical illnesses or when the Early Stage Benefit has been claimed 4 times for different conditions, the ESCI rider will terminate.
  • Premium period is not guaranteed. In the future, if the account value becomes insufficient to pay for charges, it is possible that additional premiums (i.e. top-ups) will be required to continuously enjoy the benefits of this plan and its riders.
  • The additional coverage on any policy this year can be as much as 50% and cannot be lower than zero. This will continue as long as your Active Health Invest Plus plan and your AIA Vitality Membership is in force.
  • Please consult your Financial Advisor or refer to the policy contract for full details on the critical illnesses and hospital confinement benefit definitions, exclusions and limitations.

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.

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