AIA Pay Protector

Secure your income against illness

Get an instant 5% premium discount with AIA Vitality

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AIA Pay Protector

​​Safeguard​ your income till age 65​ against injury, illness ​or mental ​conditions that ​​result in pausing your career or an unfortunate job loss​.

Currency

S$

Period

Term

AIA Vitality member exclusive

Up to 15% premium discount

Benefits for you

Fixed monthly income

Get fixed monthly payouts (up to 5 years) to replace income loss from short-term disability or illness.​

​​​Guaranteed monthly income payouts​​

R​​​eceive monthly income based on your chosen plan, regardless of future changes to your income.​​ ​​

Premium waiver

​​​Premiums will be waived during monthly income payouts or until you recover, whichever is earlier.​​

Affordable fixed premiums

​​​Stay assured and well-protected at an affordable cost that will not increase with time.​​

Join AIA Vitality and enjoy an instant 5% premium discount

Add AIA Vitality to AIA Pay Protector and get a 5% premium discount for the first year. Keep up a healthy lifestyle and get up to 15% premium discount as you improve your AIA Vitality status. On top of that, you can enjoy exciting benefits like weekly rewards and discount on gym memberships, fitness devices, movie tickets and more.
 
Click here to read more on AIA Vitality.

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More ways to keep you protected

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Terms and conditions

  • 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.
  • The AIA Vitality premium discount is only applicable to premiums based on a standard life. It is not applicable to any extra premiums due to loading. Discount applicable from the second policy year onwards will depend on the AIA Vitality Status attained. The discount is capped at 15%.

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 Consultant / Insurance Representative for a financial analysis before purchasing this policy. Should you choose not to seek advice from an AIA Consultant / Insurance Representative, 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.
 
This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
 
This advertisement has not been reviewed by the Monetary Authority of Singapore.
 
The information is correct as at 18 April 2025.