AIA Health Cover

Total care you need for your health

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AIA Health Cover

An investment-linked health insurance plan that protects you and your family against financial setbacks brought by hospitalization, critical illness and death

This plan comes with an AIA Vitality membership

Issue age

0 to 60 years old

Critical illness coverage

Up to 80 years old


Policy benefits

Optional riders

Customize your plan’s coverage with these supplementary benefits

Your in-patient hospitalization and medical expenses will be covered through the AVEGA health card. Because of its convenient co-pay arrangement, 90% of the bill will automatically be charged to AIA Philippines so that you will only have to pay the remaining 10%.

This plan can shoulder up to P4,000,000 annually.

For policy owners with children as the policy insured, we'll waive premium payments (except for medical rider, if attached) if the payor passes away or becomes disabled until the child is 25

Pass on the love and protection

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

This is the person who owns and pays for the insurance policy

This is the person whose life is covered under a life insurance policy

Important details

Receive a cash amount if you get diagnosed with any of 56 covered critical illnesses

  • AIA Health Cover is a life insurance plan that covers major and minor critical illnesses from ages 0 to 80. It has an additional Daily Hospital Income, Medical Benefit Rider, Waiver of Premium and AIA Vitality.
  • The contents of this page are for illustration purposes only. Actual terms and conditions are found in the Policy. In case of conflict, the terms of the policy shall prevail.
  • 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 amount of your account value will vary depending on fund performance which may be affected by market conditions.
  • For insured age 0-17, benefit of the plan would include the Life Insurance Coverage, Critical Illness coverage and an optional Payor's Benefit for Death and Disability only.

Upon receiving the Policy Contract, you may refer to the document for full details on the definitions, exclusions including the pre-existing conditions, and other limitations. If you decide that this plan is not suitable to your needs after reading the Policy Contract, simply return the document to AIA Philippines within fifteen (15) days from the date when you or your authorized representative received it and we will refund to you the sum of (1) the Account Value, (2) any Policy Charges that have been deducted against the Account Value, and (3) total premiums paid for Critical Protect 80, Minor Critical Illness 80, Daily Hospital Income Benefit, Medical Benefit and Waiver of Premium riders, if any of the riders are attached, including Vitality Membership Fee, less any benefits paid by AIA Philippines.

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