Partner benefits

Insurance benefit

Insurance

What is it

Enjoy exclusive insurance benefit when you purchase selected AIA insurance plans and/or riders and integrate it with AIA Vitality. Subject to your insurance plans and/or riders, you may enjoy an upfront discount on your first-year premium, free additional insurance coverage, a basic health screening at no charge or even a Vitality Fund Boost. As you level up your Vitality status, you may get to enjoy the insurance benefit year on year.
 
Check out the eligible AIA insurance plans and/or riders that you can integrate it with AIA Vitality. 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.

    Premium Discount

    Additional Insurance Coverage

    Basic Health Screening

    Vitality Fund Boost

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.

Insurance Premium Discount Adjustment

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 2025.
  • 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 Max VitalHealth, AIA Max VitalCare, AIA Max A Cancer Care Booster, 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 Services Consultant or Insurance Representative.

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%.

PowerUp Dollar Adjustment

The table below shows the annual 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 Services Consultant or Insurance Representative.

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.

Basic health screening

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 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 wallet in AIA+ app.

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.

Vitality Fund Boost

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 Services Consultant or Insurance Representative.

Vitality integrated products