AIA Pay Protector

Disability Income Insurance

Period

term

Issue Age

16-50 years old

Currency

S$

You can buy this via

AIA APPOINTED representative

What This Product Is About

While an injury or illness may not debilitate you, it can severely impact your career and earnings. With AIA Pay Protector, you can feel more secure about your income till age 65 even when a less severe injury or mental illness causes you to pause or switch your career.

GET IN TOUCH

What Does It Provide?

FIXED MONTHLY INCOME FOR UP TO 5 YEARS

We know it takes time to adjust your plans for the future after an unexpected disruption to your career due to short-term disability or illness. The fixed monthly income payouts for up to 5 years will help supplement your loss of earnings during this difficult time.
CERTAINTY OF MONTHLY INCOME PAYOUTS (FIRST-IN-MARKET!)

You can be assured that we pay the monthly income based on the plan you have chosen regardless of any future changes to your income, sources of income received or payouts from other disability income policies.
PREMIUM IS WAIVED DURING MONTHLY INCOME PAYOUTS

Your premium will be waived when you are receiving the monthly income payouts, or until you recover from the disability, whichever is earlier.
AFFORDABLE PREMIUMS THAT WILL NOT INCREASE WITH TIME

Premium is based on entry age. You can stay assured and well-protected at an affordable cost.

Here are the fixed premium ratesfor a S$1,000 coverage amount (monthly income payout):

FIXED MONTHLY INCOME FOR UP TO 5 YEARS

We know it takes time to adjust your plans for the future after an unexpected disruption to your career due to short-term disability or illness. The fixed monthly income payouts for up to 5 years will help supplement your loss of earnings during this difficult time.
CERTAINTY OF MONTHLY INCOME PAYOUTS (FIRST-IN-MARKET!)

You can be assured that we pay the monthly income based on the plan you have chosen regardless of any future changes to your income, sources of income received or payouts from other disability income policies.
PREMIUM IS WAIVED DURING MONTHLY INCOME PAYOUTS

Your premium will be waived when you are receiving the monthly income payouts, or until you recover from the disability, whichever is earlier.

AFFORDABLE PREMIUMS THAT WILL NOT INCREASE WITH TIME

Premium is based on entry age. You can stay assured and well-protected at an affordable cost.

Here are the fixed premium ratesfor a S$1,000 coverage amount (monthly income payout):

30-year-old male	S$18/month
30-year-old female	S$25/month

Note: Premium rates are for non-smoker, occupation class 1 and rounded to the nearest dollar.

BETTER CHOICE, BETTER HEALTH WITH AIA VITALITY

Make the choice towards better health than before with AIA Vitality, one of the most comprehensive wellness programmes in Singapore. Through a wide spectrum of tools and benefits that target different aspects of your health, AIA Vitality supports you to make positive behavioural changes that improve your overall wellness.

With the Vitality-integrated AIA Pay Protector, you can enjoy upfront premium discount on your first year’s premium for the plan. As you get healthier and improve your AIA Vitality status, you will enjoy greater discounts of up to 15% – which means lower costs on your coverage! So, the higher your AIA Vitality status, the more you save!

Get in touch

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By providing your personal data and submitting this form, you consent to the collection, use, disclosure, processing and retention of your personal data by AIA Persons^[1] , for purposes of addressing your enquiry ("Purpose"), in accordance with AIA Personal Data Policy (Singapore) . You also consent to being contacted by AIA Persons^[1] via your provided contact details^[2] for such Purpose.

¹ "AIA Persons" refers to AIA Singapore Private Limited, its associated persons/organisations, its and their third-party service providers and its and their representatives, whether within or outside Singapore.

² If you have provided your mobile number, we will contact you via voice call and/or text message (e.g. SMS/MMS). If you have provided your email address, we will contact you via email.

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THE FINE PRINT

the terms and conditions at a glance

The fixed premium rate is determined at the age of entry. Premium rates are non-guaranteed and may be adjusted based on future experience of the plan. You will be advised on revision in your premium rate, if any, prior to policy renewals.

DETAILED TERMS AND CONDITIONS

- COLLAPSE + EXPAND

EXCLUSIONS

Things that you won't be able to claim from this policy

There are exclusions such as pre-existing conditions, whereby no benefits will be payable. You are advised to read the relevant policy contract for details.

deferment PERIOD

The monthly payout will begin 90 days after the disability was first suffered. For recurrent disability that occurs within 12 months after the last monthly payout, the 90-day deferment period does not apply.

IMPORTANT NOTES

This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”).

All insurance applications are subject to AIA’s underwriting and acceptance. This is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefits under this plan may not be paid out, are specified in the policy contract. You are advised to read the policy contract. You may wish to seek advice from an AIA Financial Services Consultant for a financial analysis before purchasing this policy.Should you choose not to seek advice from an AIA Financial Services Consultant, please consider whether the product is suitable for you, and you take responsibility to ensure that this plan is appropriate to meet your financial needs and insurance objectives. You may wish to terminate the policy according to the free-look provision if you find that the policy is unsuitable after purchasing it, and AIA may recover from you any expense incurred in underwriting the policy.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for early policy termination and the new policy may cost more or have fewer benefits at the same cost.

Protected up to specified limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore.

The information is correct as at 18 May 2022.

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AIA Pay Protector

term

16-50 years old

S$

AIA APPOINTED representative

What This Product Is About

What Does It Provide?

FIXED MONTHLY INCOME FOR UP TO 5 YEARS

CERTAINTY OF MONTHLY INCOME PAYOUTS (FIRST-IN-MARKET!)

PREMIUM IS WAIVED DURING MONTHLY INCOME PAYOUTS

AFFORDABLE PREMIUMS THAT WILL NOT INCREASE WITH TIME

FIXED MONTHLY INCOME FOR UP TO 5 YEARS

CERTAINTY OF MONTHLY INCOME PAYOUTS (FIRST-IN-MARKET!)

PREMIUM IS WAIVED DURING MONTHLY INCOME PAYOUTS

AFFORDABLE PREMIUMS THAT WILL NOT INCREASE WITH TIME

BETTER CHOICE, BETTER HEALTH WITH AIA VITALITY