Health Invest Plus

Protecting your health today and tomorrow

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Health Invest Plus

An investment-linked health and life insurance plan that gives you early-stage critical illness coverage and accident protection while building you a fund for future healthcare needs

Available at a minimum premium of PHP 30,000 a year

Issue age

18 to 65 years old

Critical illness coverage period

Until 75 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

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

  • Health Invest Plus is a Health Invest 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.
  • Once a claim has been made for any of the 56 major critical illness or when the Early Stage Benefit has been claimed for 4 times, the ESCI rider will terminate.
  • 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.
  • 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 minimum premium required may increase depending on the occupational and medical ratings of the proposed insured.
  • Please consult your Financial Advisor or refer to the policy contract for full details on the critical illness 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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