Clear up all questions and address every concern about insurance plans participating in the new AIA Vitality program.
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Q: What is AIA Vitality Bonus (the new AIA Vitality benefit model)?
A:
Effective from 25 September 2025, eligible Critical Illness riders and Medical expense and daily compensation riders under the AIA Vitality programme have been enhanced with a Vitality Bonus, providing annual cashback every policy year with no accumulation required.
Members can receive: up to 20% cashback on the standard premium for eligible Critical Illness riders and up to 15% cashback on the standard premium for eligible Medical expense and daily compensation riders.
*The Vitality Bonus rate for each policy year is determined based on the insured’s AIA Vitality status, for insured persons aged 16 years and above. The applicable rate ranges from 0% up to a maximum of 20% of the standard premium for critical illness riders, and up to a maximum of 15% of the standard premium for medical expense and daily compensation riders, based on premiums already paid by the insured, provided that all conditions specified in the relevant policy endorsement are met. The Company reserves the right to adjust the Vitality Bonus rates for each policy year, subject to approval by the insurance registrar. Any such changes will be notified to the insured in writing at least thirty (30) days in advance.
Q: How will customers with AIA Vitality Bonus policies receive their Vitality Bonus?
A:
Customers will receive the Vitality Bonus cash-back** based on their AIA Vitality status as of the policy anniversary date, via AIAPAY (or by crossed cheque if AIAPAY is not registered), according to the conditions shown in the table below.
Rider Type / AIA Vitality Status at Policy Anniversary
|
Bronze
|
Silver
|
Gold
|
Platinum
|
Critical Illness riders / endorsements (no claims made)
|
0%
|
2%
|
10%
|
20%
|
Medical Expenses & Daily Hospital Income riders
(no inpatient admission in Categories 1–4 during the policy year) |
0%
|
1%
|
5%
|
15%
|
Medical Expenses & Daily Hospital Income riders
(with inpatient admission in Categories 1–4 during the policy year) |
0%
|
0%
|
2%
|
5%
|
** The insured will receive the Vitality Bonus benefit for riders/endorsements after 90 days from the policy anniversary date.
Q: Will existing customers who hold an AIA Vitality Protection policy (renewal premium discount) receive the Vitality Bonus?
A:
Existing customers who hold insurance policies participating in the AIA Vitality Protection Program (renewal premium discount based on status), with policies approved before 25 September 2025, will continue to receive policy benefits under the program according to the AIA Vitality endorsement they received as illustrated in the reference image.
The discount rate is calculated as a percentage based on the AIA Vitality status as follows: Latest policy year discount rate + adjustment rate according to AIA Vitality status (Bronze -2%, Silver -1%, Gold +1%, Platinum +2%)
Q: How can I determine which AIA Vitality policy benefits apply to my Critical Illness rider or Medical Expenses / Daily Hospital Income rider?
A:
You can determine this by checking the policy issue date and the type of your policy:
Policy issue date between 2 June 2016 and 15 August 2018, under AIA Vitality Package, renewal premium discounts are provided based on accumulated AIA Vitality status, with a maximum discount of 25%.
Policy issue date between 16 August 2018 and 24 September 2025, under AIA Vitality Protection, renewal premium discounts are provided based on accumulated AIA Vitality status, with a maximum discount of 15% for medical expense and daily compensation riders and 25% for critical illness riders.
Policy issue date from 25 September 2025 onwards, under AIA Vitality Bonus, annual cashback is provided, with a maximum of 15% of the standard premium for medical expense and daily compensation riders and up to 20% of the standard premium for critical illness riders.
Q: For AIA Vitality policies with renewal premium discounts, if a billing notice has already been issued but the AIA Vitality status is subsequently upgraded, how will the premium discount be handled?
A:
For existing customers holding AIA Vitality Protection policies (renewal premium discount based on status), if a billing notice has been issued with the premium calculated based on the AIA Vitality status as of the billing date (approximately 30 days before the policy anniversary), the customer should pay the premium as stated in the billing notice.
If the customer’s AIA Vitality status is upgraded as of the policy anniversary date, the Company will refund the premium difference that was overpaid via AIAPAY (or by crossed cheque if AIAPAY is not registered) within 60 days after the policy anniversary date.
Information as of 30 March 2026