Partner benefits

Insurance benefit

Insurance

What is it

Enjoy exclusive insurance benefit when you add AIA Vitality to selected AIA insurance plans and/or riders. The more active you are and the higher your Vitality Status, the more you enjoy—because better health truly gives you more!
 
Check out the various insurance benefits and the eligible AIA insurance plans and/or riders. Please note that you must be the insured of the eligible AIA insurance plan and/or rider and have a valid AIA Vitality membership at the point of purchase, as well as at policy renewal, to continue enjoying the insurance benefit.

    Vitality Coin Boost

    Vitality Fund Boost

    Basic Health Screening

    PowerUp Dollar

    Premium Discount

What will I get

Vitality Coin Boost gives you more reasons to stay active and be committed to your health. Add AIA Vitality to AIA Max VitaHealth Pro riders (available under AIA HealthShield Gold Max) and you'll earn two types of boosters:
 
  1. Engagement Booster, a one time reward given after first 100 days from policy issue date when you complete at least one Weekly Fitness Challenge; and
     
  2. Annual Insurance Booster from the second policy year based on your Vitality status.
Both boosters are awarded in Vitality Coins, based on the following table, and can be redeemed for rewards of your choice in the AIA+ app Vitality Marketplace.
 
 
  Vitality Coin Boost
(% of gross annualised premium of total rider(s) paid)
Platinum Gold Silver Bronze
Engagement Booster 3%
(with completion of one Weekly Fitness Challenge within 100 days from policy issue date)
Annual Insurance Booster 10% 5% 1%  

How it works

Sarah, female 40-year-old, adds the riders AIA Max VitaHealth Pro A, Cancer Care Pro and Emergency Care Pro to her AIA HealthShield Gold Max A basic plan. As she is an AIA Vitality member, these riders are eligible for Vitality Coin Boost. Her total riders' premium in a year is S$1,178.14, based on age next birthday*.
 
Engagement Booster:
Sarah completes one Weekly Fitness Challenge within the first 100 days of the policy issue date and she earns:
 
3% x S$1,178.14 = S$35.34 (awarded in AIA+ app as Vitality coins)
 
Annual Insurance Booster:
Sarah continues her wellness journey with AIA Vitality, which includes going for health screening, clocking more physical activities and other activities that earn Vitality points. She levels up to Platinum Vitality status by the policy anniversary and she receives the maximum amount of Annual Insurance Booster: 
 
10% x S$1,178.14 = S$117.81 (awarded in AIA+ app as Vitality coins)
 
Sarah maintains her Platinum Vitality status thereafter and continues to enjoy the Annual Insurance Booster, year after year.
 
*Premium rates accurate as of 1 April 2026.

A quick look at how Vitality Coin Boost works

Need to know

  • Vitality Coin Boost is only applicable to Vitality integrated riders and with a valid AIA Vitality membership upon disbursement. Specifically:
     
    • Engagement Booster is only applicable if the rider(s) are Vitality integrated at the point of insurance plan purchase.
       
    • Annual Insurance Booster is only applicable to rider(s) that are Vitality integrated with Vitality Coin Boost at subsequent years during policy renewal.
       
  • Vitality Coin Boost is calculated based on standard life premium and is not applicable on any extra premiums due to loading.
     
  • The Engagement Booster is a one-time reward given, regardless of Vitality status, so long as the AIA Vitality member completes one Weekly Fitness Challenge within 100 days from policy issue date. It will be awarded within seven (7) days after the 100-day period.
  • The Annual Insurance Booster is given from the second policy year, based on Vitality status at policy anniversary date, and calculated as a percentage of the gross annualised premium of total rider(s) paid in the year before. It will be awarded within forty (40) days after the policy anniversary.
  • Both Engagement Booster and Annual Insurance Booster are awarded as Vitality coins into the AIA+ app, rounded to the nearest Vitality coin. These Vitality coins will have a validity of at least twelve (12), up to a maximum of thirteen (13) months.
     
  • You must have an active AIA Vitality membership, at the point of awarding, to receive the Vitality coins. If you terminate your AIA Vitality membership, the Vitality Coin Boost will cease, and any booster(s) earned will be forfeited and cannot be replaced or exchangeable in cash or in kind.
     
  • If the rider(s) is terminated within the first policy year, AIA reserves the right to claw back any Vitality coins awarded for the Engagement Booster.
     
  • AIA Customers who already have AIA Max VitalHealth Pro riders that are not integrated with AIA Vitality at the point of purchase, can join AIA Vitality 45 days before policy renewal and the riders will be integrated with AIA Vitality for Vitality Coin Boost from the policy anniversary. In this case, the Engagement Booster is not applicable, but AIA Customers will be eligible for the Annual Insurance Booster from the following year, if he/she achieves at least a Silver Vitality status.
     
  • For more information, please contact your AIA Financial Consultant.
     

What will I get

  1. Give your capital a boost with AIA Vitality.

  2. Purchase AIA Platinum Wealth Elite 2.0 and enjoy a Vitality Fund Boost of 1% for regular premium or 0.1% for single premium for the first policy year when you integrate it with AIA Vitality.

  3. Level up and maintain Gold / Platinum Vitality status every year and enjoy a Vitality Fund Boost of up to 2% for regular premium and up to 0.2% for single premium from the second to fifth policy year.

How it works

You may opt to take up AIA Platinum Wealth Elite 2.0  with a regular premium or single premium and enjoy 1% or 0.1% Vitality Fund Boost respectively in the first policy year. 
 
From the second policy year, the Vitality Fund Boost will be dependent on your Vitality status. Level up and maintain at Gold / Platinum Vitality status to continue enjoying the boost of up to 2% for regular premium and up to 0.2% for single premium every year, till the fifth policy year. 
 
Regular Premium
         Policy Year                                         Vitality Fund Boost (% of Regular Premium)                              
Platinum Gold Silver Bronze
1 1% per annum
2 - 5 2% per annum 1% per annum    
 
Single Premium
          Policy Year                                         Vitality Fund Boost (% of Single Premium)                              
Platinum  Gold Silver Bronze
1 0.1% per annum
2 - 5 0.2% per annum 0.1% per annum    
 
 

Need to know

  • The Vitality Fund Boost is only applicable with a valid AIA Vitality membership at the point of insurance plan purchase and at subsequent years during policy renewal.
  • The Vitality Fund Boost for the first policy year is for all AIA Vitality members regardless of Vitality status. 
  • From the second to the fifth policy year, it will be based on the Vitality status attained as at 45 days before policy anniversary. Only AIA Vitality members of Gold / Platinum Vitality status will continue to enjoy the Vitality Fund boost. 
  • The Vitality Fund Boost is not applicable on the subsequent increase in sum assured/premium.
  • If the insurance plan is on a premium holiday, the Vitality Fund Boost will not be applicable. 
  • For more information, please contact your AIA Financial Consultant.

What will I get

  1. Enjoy a basic health screening at no charge for the first policy year on selected AIA insurance plans.

  2. Level up and maintain your Vitality status at Gold / Platinum every year to continue enjoying the basic health screening at no charge.

How it works

The Basic Health Screening covers the measurement of the four basic health metrics at no charge, body mass index, blood glucose, blood pressure and cholesterol, as well as an optional assessment of waist measurement.
 
As AIA Vitality members, you can earn up to 10,000 Vitality points in a membership year with the basic health screening. 

Need to know

  • The basic health screening for the first policy year is applicable to all AIA Vitality members who integrate the selected AIA insurance plan(s) at the point of purchase, regardless of Vitality status.
  • AIA Vitality members have the option to upgrade the screening to a more comprehensive package at their own cost and it will be paid directly to the health screening provider.
  • To continue enjoying this benefit, AIA Vitality members must have levelled up and/or maintained at Gold / Platinum Vitality status at the point of policy renewal every year.
  • The basic health screening will be given in the form of an eVoucher within 45 days of the plan's inception/renewal awarded into your AIA Vitality's eWallet in AIA+ app.

What will I get

  1. Enjoy free additional coverage, known as PowerUp Dollar, on selected AIA insurance plans!

  2. Level up your Vitality status and boost your PowerUp Dollar, up to 37.5%.

How it works

The table below shows the annual PowerUp Dollar adjustment according to your Vitality status.
 
Per $10,000 base PowerUp Dollar.
Your Vitality Status Annual Adjustment
Bronze
-10%
-$1,000
Silver
-5%
-$500
Gold
+0%
No Adjustment
Platinum
+5%
+$500

Need to know

  • If you terminate your AIA Vitality membership, you will no longer enjoy the PowerUp Dollar Benefits. Your insurance PowerUp Dollar will be reduced to 0% starting from the next policy anniversary but your policy(ies) will remain in-force.
  • PowerUp Dollar is adjusted according to the Vitality status of the insured as at 45 days before the policy anniversary.
  • For more information, please contact your AIA Financial Consultant.

What will I get

  1. Enjoy an upfront 5% Vitality discount on your first-year premium for selected AIA insurance plans and riders.
    2.  
  2. Enjoy an additional 5% Vitality promotional discount on your first-year premium for selected AIA insurance plans and riders.
    3.  
  3. Level up your Vitality status and boost your renewal premium discount to a maximum of 15%! Now that's what we call a good deal.

How it works

From the second policy year, your Vitality discount for insurance premium may vary depending on your Vitality status nearing policy anniversary. The maximum discount is 15%.
Your Vitality Status Annual Adjustment
Bronze -2%
Silver -1%
Gold +1%
Platinum +2%
Here's an illustration on how the Vitality discount may vary depending on the Vitality status at policy anniversary: 
Example:
Year 1
John's Vitality status starts at Bronze.
Additional Vitality promotional discount = 5% (this discount only applies for the first policy year)
Vitality discount = 5%
Year 2
John levels up to Gold Vitality status.
Vitality discount = 5% + 1% = 6%
Year 3
John drops to Silver Vitality status.
Vitality discount = 6% - 1% = 5%
Year 4
John levels up all the way to Platinum Vitality status.
Vitality discount = 5% + 2% = 7%
Year 5
John maintains his Platinum Vitality status.
Vitality discount = 7% + 2% = 9%

Need to know

  • The maximum Vitality discount for insurance premium is 15% and the minimum is 0%.
     
  • The additional 5% Vitality promotional discount is only applicable to first-year premium based on standard life premium and will not be applicable on any extra premiums due to loading. It is valid till 31 December 2026.
     
  • The upfront 5% Vitality discount is only applicable to first-year premium based on standard life premium and will not be applicable on any extra premiums due to loading. It is also not applicable to AIA Hospital Income and AIA Platinum International Health.
     
  • Discount applicable from the second policy year onwards will depend on the Vitality status and is adjusted against the upfront Vitality discount.
     
  • For each subsequent policy year, the Vitality discount may increase or decrease depending on your Vitality status 45 days before the policy anniversary date.
     
  • If you terminate your AIA Vitality membership, your Vitality discount will also cease. Your insurance premium discount will be reduced to 0% starting from the next policy anniversary but your policy(ies) will remain in-force.
     
  • For more information, please contact your AIA Financial Consultant.

Vitality integrated products