AIA Vitality Bonus The Vitality Bonus is a special benefit in the form of cashback rewards that AIA Vitality members have the opportunity to receive every policy year. The amount depends on the insurance products you choose and your AIA Vitality status on the policy anniversary date. The healthier you are and the higher your status, the bigger the bonus! Up to 20% of your standard premium.

• Purchase eligible riders for critical illness, medical expenses, or daily compensation that are AIA Vitality Bonus integrated products (for policies issued after 25 September 2025).

• Earn AIA Vitality points by staying active and healthy through the AIA Vitality program.

• Your Vitality Bonus is based on your AIA Vitality status on the policy anniversary date.

• Get your cashback within 90 days after your policy anniversary via AIA PAY, provided your Vitality Bonus rider has been active for a full policy year.

The Vitality Bonus rate is calculated based on the policyholder’s AIA Vitality status on the policy anniversary date. The policyholder will receive the benefit in the form of a Vitality Bonus for each eligible AIA Vitality Bonus rider after 90 days from the policy anniversary.

Buy health or critical illness insurance with AIA Vitality Bonus today.It's more than just protection!
It helps you take care of your health while earning points for lifestyle rewards
and annual cashback based on your effort to stay healthy.

The fitter you are, the more you get back!

Note:

• Vitality Bonus is a cashback benefit for integrated products that include riders and/or endorsements under the AIA Vitality Bonus program. The bonus is calculated and paid annually based on the policy year. The Vitality Bonus rate for each policy year depends on the insured’s AIA Vitality status, ranging from a minimum of 0% up to a maximum of 20% of the standard premium for critical illness riders, and up to 15% of the standard premium for medical expense and daily compensation riders that have already been paid by the insured.

• The Vitality Bonus rate is determined based on the insured’s AIA Vitality status on the anniversary date of the policy. The insured will receive the Vitality Bonus for each integrated product after a 90-day period from the policy anniversary date.

• For integrated products that include critical illness riders under the AIA Vitality Bonus program, each rider must be in force for a full policy year, and the insured must not have received any benefits under the terms of that rider during the policy year in order to be eligible for the Vitality Bonus. The bonus rates for Bronze, Silver, Gold, and Platinum statuses are 0%, 2%, 10%, and 20%, respectively.

• For integrated products that include medical expense and daily compensation riders under the AIA Vitality Bonus program, each rider must be in force for a full policy year. The Vitality Bonus rate is determined based on two scenarios:

  • If the insured has received inpatient hospitalization benefits under the terms of the rider during the policy year:

    • Bronze: 0%

    • Silver: 0%

    • Gold: 2%

    • Platinum: 5%

  • If the insured has not received inpatient hospitalization benefits under the terms of the rider during the policy year:

    • Bronze: 0%

    • Silver: 1%

    • Gold: 5%

    • Platinum: 15%

• The company reserves the right to adjust the Vitality Bonus rates for each policy year, subject to approval by the insurance registrar. The company will notify the insured in writing at least thirty (30) days in advance.

• Applicants should carefully review and understand the sales documents before making a decision to purchase insurance. Upon receiving the policy, please read the policy details, terms, and conditions thoroughly.