Group & Credit Insurance, Health Services Department always works closely with our clients to listen and understand their needs. That’s why we can tailor the most suitable scheme, which truly meets their business and human resources philosophy.

For GROUP INSURANCE

For CREDIT INSURANCE


Group Life Insurance Scheme

Benefits are payable upon death due to any cause and for those who are in serious injury. Coverage can be expressed in multiples of salary or flat amount.

Basic Plan

  • Group life
    Our group life scheme includes death and unique living benefits, including :
    • Dismemberment Benefit
    • Total Disability Extended Death Benefit
    • Terminal Illness Benefit

Benefit Riders:

  • Group Accidental Death & Disablement Benefit (ADD)
  • Group Total & Permanent Disability Income Benefit (TPDI)
  • Group Long Term Disability Benefit (LTD)
  • Group Critical Illness Benefit (CI)


Group Medical Scheme

AIA provides comprehensive medical coverage to tailor for our clients’ different needs.

In additional to the traditional Group Medical scheme, Managed Care products are developed in response to the severe and continuing escalation of medical care costs. AIA’s Managed Care products have been launched since 1998, aim to facilitate the delivery of high quality health care services to clients in a professional and cost effective manner. Moving towards our goal, we enter into mutually beneficial fee schedules and service commitments with medical care providers. A series of wellness and patients care programs are offered to our insured members so as to improve the well being of their health as a whole. We bring new energy and ideas to build relationships with you, your employees and their families, through different member focus services.

Basic Plan

  • Group Hospital & Surgical Benefit
  • Special Features
    • Daily Cash Benefit
    • Medical Evacuation & Repatriation Benefit
    • Increased Overseas Hospitalization Benefit

Benefit Riders:

  • Group Out-patient Benefit
  • Group Extended Medical Benefit
  • Group Supplementary Major Medical
  • Group Maternity Benefit
  • Group Dental Benefit

In addition to the above, Group & Credit Insurance, Health Services Department also specializes in designing innovative Group Insurance or financial arrangement which includes Multinational Pooling, Flexible Benefit Scheme, Experiencing Refund and Administration Services Only Scheme. We can also provide different kinds of package products to the small and medium enterprises including GHC and CEB 03 with different choices of benefit level plus network or non-network arrangement to meet your needs.


For Credit Insurance

AIA strives to provide value-added benefits to our clients, financial institutions and their clients. The financial institutions can provide extra care to their clients through our specially designed scheme. Competitive premium, with simple enrollment and underwriting allowing their clients to get an additional protection and benefits easily as well as a hassle-free living.

The different choices of credit insurance products that suit your needs include:

Group Mortgage Reducing Term Assurance (MRTA)

  • Scheme for paying off the insured member’s mortgage obligation in the event of death and/or disability

Group Credit Insurance

  • Scheme for covering short term and unsecured loans against death and/or disability

Group Automobile Life Insurance

  • Scheme for securing the outstanding auto-loan in the event of premature death or disability

Credit Card Payment Protection Plan

  • Scheme for covering the outstanding credit card debit balance

Target Savings and Protections Plan

  • Scheme for ensuring depositor to achieve the target saving amount in case of death and disability

Mortgage Payment Protection Insurance with Involuntary Loss of Employment 

  • Scheme for paying off the insured members’ mortgage obligation owned by bank in the event of temporary disability and involuntary loss of employment within a short period of time