Take charge of your insurance premium discount with AIA Vitality. As you take charge of your health by engaging in healthy activities and improve your AIA Vitality Status, you could enjoy an AIA Insurance Premium Discount or Cashback of up to 25%.
All member
Status-based discount up to 25%
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Get insurance premium discount and/or cost of insurance cashback up to 25% depending on the type of your insurance plans and AIA Vitality Status. |
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Bronze Status -2% |
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Silver Status -1% |
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Gold Status +1% |
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Platinum Status +2% |
AIA Vitality Privileges
Up to 10% upfront discount and/or COI cashback
Enjoy up to 10% upfront discount and/or COI cashback on your first policy year for selected AIA Vitality integrated products.
Get 5% extra bonus
Enjoy an extra 5% discount and/or COI cashback on your first policy year with a minimum of 3 AIA Vitality integrated products.
Up to 25% premium discount and/or COI cashback in the renewal year
Enjoy up to 25% on your insurance premium and/or COI cashback in the renewal year depending on your AIA Vitality Status and the products you selected.
Up to 18% healthy bonus
Earn up to 18% Healthy Bonus off your premiums depending on your AIA Vitality Status and the products you selected.
AIA Life Protector 70 and AIA Life Protector 80
Bronze +3%
Silver +8%
Gold +13%
Platinum +18%
AIA CI ProCare
Bronze +0%
Silver +1%
Gold +4%
Platinum +9%
Premium holiday
In case of facing financial adversity, you could apply Premium Holiday option. The Premium Holiday is an option for customer to break their premium payment while the policy is still in-forced, and the customer continue to receive AIA Vitality benefits including COI & COR cashback as per your AIA Vitality status.
What You Need to Know
- Upfront premium discount is only applicable to Vitality policy based on standard life and will not be applicable on any extra premiums due to loading.
- Extra upfront premium discount is only applicable to new Vitality policy based on standard life and will not be applicable on any extra premiums due to loading.
- For each subsequent policy year, the premium discount and/or COI cashback may increase or decrease depending on your AIA Vitality Status at the time of the policy anniversary date. If you attained a higher Vitality Status after billing notice has been issued, AIA will reimburse the difference afterwards via AIAPAY (money transfer service).
- Both premium discount and/or COI cashback is calculated as a percentage of the standard premium and/or cost of insurance, excluding additional insurance premiums for substandard perils due to health and/or occupation. This does not include insurance expenses exempted from policy benefits and/or supplementary contracts and/or any endorsement memorandum (if any).
- In the case where at least 3 insurance policies and/or additional contracts/endorsements have been approved within the same policy, the policyholder will receive an additional first-year premium discount of 5% for each additional participating insurance policy and/or additional contract/endorsement approved on the date of endorsement issuance, excluding AIA CI ProCare (Non Par) insurance. This includes all approved insurance policies and/or additional contracts/endorsements under the AIA Vitality program as specified by the program conditions.
- The AIA Vitality Healthy Bonus for AIA CI ProCare is calculated based on the standard insurance premium according to your AIA Vitality status. The company will pay the total bonus every 3 policy years or less than 3 policy years in cases where benefits of the main insurance policy have been paid, or in cases where the insurance premium payment term has been completed, to policyholders who have never claimed AIA CI ProCare benefits before. The healthy bonus rates for Silver, Gold, and Platinum statuses are 1, 4, and 9, respectively.
- The AIA Vitality Healthy Bonus for AIA Life Protector 70 and AIA Life Protector 80 is calculated based on the standard insurance premium according to your AIA Vitality status. The company will pay the total bonus every 3 policy years or less than 3 policy years in cases where benefits of the main insurance policy have been paid, or in cases where the insurance premium payment term has been completed. The healthy bonus rates for Bronze, Silver, Gold, and Platinum statuses are 3, 8, 13, and 18, respectively.
- Standard insurance premium refers to the insurance premium for standard risks, excluding additional premiums due to health and/or occupation. The insurance premium depends on the premium payment period and does not include insurance premium discounts under the AIA Vitality program (if any).
- Premium Holiday option is available from 3rd policy years with the Regular Premium Payment (RPP) being paid on premium due date every time as specified in the policy. The policy is effective as long as the redemption value is sufficient to cover policy fees and COI charges.
- Unit linked life insurance is not a deposit and carries risks. The insured should understand the characteristics of the product, return conditions and risks by studying, reading and understanding the documents accompanying the offering and fund prospectus before investing.
- The AIA Vitality benefits are subject to AIA terms and conditions. AIA reserves the right to change and amend any of the terms and conditions which are available at the AIA+ application or at https://www.aia.co.th/en/health-wellness/vitality/rewards