- Overview
- Policy benefits
- Additional Health Protection
- Important details
Did you knowHeart Disease in the Philippines
The leading cause of death since 2015. Survivors often need long-term care, maintenance medications, and lifestyle support, creating financial and emotional strain on families.
Cancer and Cost of Treatment
Affects 1 in 5 Filipinos by age 75. Seven in ten stop treatment due to costs from ₱120K to over ₱1M. Cancer also raises heart disease risk due to shared factors.
The High Cost of ICU Care
30–40% of major CI cases require ICU admission. A 3–5 day private stay can cost ₱50K–₱200K, draining savings. Many plans don’t cover ICU unless tied to a major CI.
Policy Benefits
3x Major Critical Illness Coverage
You can claim 100% of your coverage, up to 3 times (100% each claim) for different major critical illnesses like Cancer, Stroke, and Heart Attack (See brochure for full list of major illnesses covered).
You can also claim a one-time benefit for an early-stage critical illness diagnosis.
Coverage up to Age 100
Stay protected up to age 100 as health risks rise with age.
Death Benefit
In case of death, your beneficiaries will receive 100% of your coverage if you haven’t claimed any major C.I. benefit. Should death occur after a major C.I. benefit, claim, your loved ones can still receive 20% of your coverage.
Waiver of Premium (WPMPCI)
With Waiver of Premium on Multi-Pay Critical Illness, premiums are waived if diagnosed with a major or late-stage CI, keeping coverage intact.
Flexible Multi-Stage Riders
You can also choose to add more protection from emerging conditions (ex. Sever Hypertension), gender-specific critical illnesses (ex. Prostate Cancer or Breast Cancer), or ICU confinement.
Adding these optional riders can protect you from up to 149 illnesses.
How does the 3X benefit claim work?
Here’s a sample timeline showing how a customer can claim up to 3x for the covered critical illnesses.
Who Is It For?
Designed for people who want confidence, continuity, and choice through a plan that provides triple coverage from critical illnesses.
Additional Health Protection
Boost your coverage with added benefits that suit your needs.
Gender-Specific Cancer Benefit
Receive an additional amount equal to 25% of the major critical illness face amount upon diagnosis of any listed gender specific illnesses such as breast cancer or prostate cancer.
Critical Care Assist
Get additional cash assistance up to 500,000 pesos or equal to the major critical illness face amount in case you get confined in the ICU for 5 consecutive days.
Emerging Conditions
Receive additional cash assistance upon diagnosis of any of the illnesses listed in the Emerging Conditions below.
Payor’s Benefit on Death and Disability (PBDD)
Future premium payments will discontinue in case of untimely death or total and permanent disability of the Payor. This is applicable when the Insured is a Minor.
Value Added Health Services
AIA Vitality
Our exclusive science-backed wellness program that rewards healthy behavior like availing health checks, nutrition tracking, hitting your daily step goals, or achieving your weekly fitness goals. You can get rewards from our partner health, retail, and lifestyle merchants. Being an AIA Vitality member also provides additional boost to your rider’s coverage depending on your Vitality status.
Estimate Your Premium
See sample premiums and benefits based on your age and chosen payment period.
This is a sample quote. Your actual premium will depend on yor personal details and eligibility.
| Sample Premium Computation (Values shown are examples only. Actual premium will vary based on details and eligibility.) |
|
|---|---|
| Plan’s Sample Major / Late-Stage C.I. Face Amount: | PHP 1,000,000 |
| Accelerated Minor / Early-Stage C.I. Benefit Amount: | PHP 250,000 |
| Waiver of Premium on MPCI: | Attached |
Additional Disclaimers:
- Numbers reflected are for illustration purposes only and must not be used as the sole basis of the premium payment for the policy.
- Sample scenarios shown do not include additional option riders. Attachment of riders will have an impact to the total possible premium amount for the policy.
- In the event of any discrepancy, the Sales Illustration generated by the AIA Life Planner will be honored.
- The amounts here can be changed by the company as needed without the need to inform previous viewers of this product page and users of this sample calculator.
- For additional questions about this product, please reach out to an AIA Life Planner.
Important details
GROUP 1: CANCER
1. Cancer
GROUP 2: ILLNESSES RELATED TO ORGAN FAILURE AND FUNCTIONS
2. Aplastic Anemia
3. Chronic Recurrent Pancreatitis
4. End Stage Lung Disease
5. Fulminant Viral Hepatitis
6. Kidney Failure
7. Liver Cirrhosis
8. Loss of Independent Existence**
9. Medullary Cystic Disease
10. Progressive/Systemic Scleroderma
11. Resection of the whole small intestine (duodenum, jejunum and ilium)
12. Severe Crohn’s Disease
13. Severe Rheumatoid Arthritis
14. Severe Ulcerative Colitis
15. Systemic Lupus Erythematosus (SLE) with Lupus Nephritis
16. Total and Permanent Disability *
17. Vital Organ Transplant
GROUP 3: ILLNESSES RELATED TO HEART
18. Cardiomyopathy
19. Coronary Artery Bypass Surgery
20. Dissecting Aortic Aneurysm
21. Eisenmenger’s Syndrome
22. Heart Attack
23. Heart Valve Replacement
24. Primary Pulmonary Arterial Hypertension
25. Severe Infectious Endocarditis
26. Surgery of the Aorta
GROUP 4: ILLNESSES RELATED TO THE NERVOUS SYSTEM
27. Alzheimer’s Disease **
28. Amyotrophic Lateral Sclerosis
29. Apallic Syndrome***
30. Bacterial Meningitis
31. Benign Brain Tumor
32. Brain Damage
33. Brain Surgery
34. Coma
35. Encephalitis
36. Major Head Trauma
37. Meningeal Tuberculosis
38. Motor Neuron Disease
39. Multiple Sclerosis
40. Muscular Dystrophy
41. Myasthenia Gravis
42. Paralysis
43. Parkinson’s Disease **
44. Poliomyelitis
45. Progressive Bulbar Palsy
46. Progressive Muscular Atrophy
47. Progressive Supranuclear Palsy
48. Severe Creutzfeldt-Jakob Disease
49. Surgery for Idiopathic Scoliosis
50. Stroke
GROUP 5: OTHER ILLNESSES
51. AIDS / HIV due to Blood Transfusion
52. Amputation of Both Legs due to Complication from Diabetes
53. Chronic Adrenal Insufficiency (Addison's Disease)
54. Ebola
55. Elephantiasis
56. Loss of Hearing in Both Ears
57. Loss of Limbs
58. Loss of Sight in Both Eyes
59. Loss of Speech
60. Major Burns
61. Necrotizing Fasciitis
62. Occupationally Acquired AIDS/ HIV
63. Terminal Illness
* Illness coverage not claimable after age 65.
** Illness coverage not claimable after age 70.
*** Illness coverage not claimable after age 85.
JUVENILE CRITICAL ILLNESSES
Illness coverage not claimable after age 22.
1. Hemophilia A and Hemophilia B
2. Insulin Dependent Diabetes Mellitus
3. Kawasaki Disease
4. Osteogenesis Imperfecta
5. Rheumatic Fever with Valvular Impairment
6. Severe Asthma
7. Severe Dengue (Dengue Hemorrhagic Fever)
8. Systemic Juvenile Idiopathic Arthritis
9. Wilson's Disease
CARCINOMA-IN-SITU / EARLY-STAGE CANCER
10–20. Carcinoma-in-situ of the following organs:
Breast, Uterus, Fallopian Tube, Vagina or Vulva, Colon and Rectum, Penis, Testis, Lung, Stomach and Esophagus, Urinary Tract, Nasopharynx
21. Early Bladder Cancer
22. Early Chronic Lymphocytic Leukemia
23. Early Ovarian Cancer
24. Early Prostate Cancer
25. Early Skin Cancer (nonmelanoma skin cancer)
26. Early Thyroid Cancer
OTHER MINOR CRITICAL ILLNESSES
27. Aortic Aneurysm
28. Brain Aneurysm Surgery
29. Cardiac Defibrillator Insertion
30. Cardiac Pacemaker Insertion
31. Cerebral Shunt Insertion
32. Chronic Auto-immune Hepatitis
33. Endovascular Treatment for Cerebral Aneurysm
34. Facial Reconstructive Surgery for Injury due to Accident
35. Hepatitis with Cirrhosis
36. Less Invasive Treatments of Heart Valve Disease
37. Less Severe Kidney Disease
38. Liver Surgery
39. Minimally Invasive Direct Coronary Artery Bypass
40. Moderately Severe Burns
41. Pheochromocytoma
42. Surgery For Subdural Haematoma
43. Surgical Removal of Pituitary Tumor
Note: Minor critical illness coverage is paid only once.
GROUP 1: CHRONIC DISEASE BENEFIT
1. Age-related Macular Degeneration with Visual Impairment
2. Psoriatic Arthritis
3. Severe Hypertension
4. Severe Presbycusis (Age-related Hearing Loss)
5. Thyroid Disorders
GROUP 2: BENIGN TUMOUR AND BORDERLINE MALIGNANT TUMOUR BENEFIT
- 6-27. Benign Tumour (suspected malignancy) requiring surgical excision to specified organs: Heart, Liver, Lung, Pancreas, Pericardium, Ureter, Adrenal Gland, Bone, Conjunctiva, Kidney, Nerve in cranium or spine, Pituitary gland, Small Intestine, Testis, Breast, Ovary, Penis, Uterus (covers endometrial polyps only), Nasopharyngeal, Esophagus, Oral Cavity, Gallbladder
28. Borderline Malignant Tumour
GROUP 3: SENIOR SILVER BENEFIT
The benefit under this group will begin on the policy anniversary occurring on or immediately following the Insured’s 51st birthday.
29. Benign prostatic hyperplasia requiring surgery
30. Glaucoma requiring surgery
31. Urinary incontinence requiring surgical repair
Note: Emerging conditions coverage is paid only once.
Receive an additional 25% of the Major critical illness face amount upon diagnosis of any of the following:
MALE SPECIFIC
1. Prostate Cancer
2. Testicular Cancer
3. Penile Cancer
4. Breast Cancer
FEMALE SPECIFIC
1. Breast Cancer
2. Cervical Cancer
3. Ovarian Cancer
4. Uterus Cancer
5. Fallopian Tubes Cancer
6. Vagina/Vulva Cancer
Insurance lingo
It refers to the person covered by this insurance policy. A person can be both the Insured and the Payor (person who pays for the policy). The Insured and Policyowner can be different people as well. Example: a parent buying this policy for their child.
This is the fee you pay us to protect you and your loved ones for a specified risk in a specified period.
These are flexible add-on benefits to your plan. They can enhance your coverage or address specific needs or concerns.
This is the basic coverage and the guaranteed amount your insurance promises to give you or your loved ones once you make the claim, or if the conditions stated are met.
This is when your insurance policy’s coverage will end. For AIA Critical Protect Plus, maturity is when you reach the age 100.
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