REWARDS

AIA Vitality Insurance Benefits

By taking care of your health as recommended by the AIA Vitality program and earning points to upgrade your status, you can enjoy bonus benefits and/or COI cashback, depending on the integrated insurance products you choose and your AIA Vitality status on your policy anniversary date. The healthier you are, the higher your status, and the greater your benefits you can enjoy, starting from the first year.

AIA Vitality Healthy Bonus

Healthy Bonus up to 18%

Receive a healthy bonus of up to 18% every 3 years, based on your AIA Vitality status and the integrated life insurance products you choose.

For AIA Life Protector 70 and 80:

  • Bronze             3%

  • Silver                8%

  • Gold                13%

  • Platinum         18%

For AIA CI ProCare:

  • Bronze             0%

  • Silver                1%

  • Gold                 4%

  • Platinum          9%

AIA Vitality Bonus

Vitality Bonus up to 20%

Receive a Vitality Bonus of up to 20% annually for integrated riders/endorsements covering critical illnesses, and up to 15% for riders covering medical expenses and daily compensation. The insured will receive the Vitality Bonus for each integrated rider after 90 days from the policy anniversary date.

For Critical Illness Riders/Endorsements under AIA Vitality Bonus Program:

If no claims were made:

  • Bronze             0%

  • Silver                2%

  • Gold                10%

  • Platinum         20%

For Medical Expense and Daily Compensation Riders under AIA Vitality Bonus Program:

If IPD (Inpatient Department) claims were made during the policy year:

  • Bronze             0%

  • Silver                0%

  • Gold                 2%

  • Platinum          5%

If no IPD claims were made during the policy year:

  • Bronze             0%

  • Silver                1%

  • Gold                 5%

  • Platinum         15%

AIA Vitality Unit Linked

COI Cashback up to 25%          

Receive up to 10% COI cashback in the first year and up to 25% in renewal years for AIA Vitality Unit Linked products. The cashback rate will vary based on your AIA Vitality status as follows:

  • Bronze            -2%

  • Silver               -1%

  • Gold                +1%

  • Platinum         +2%

Special First-Year Additional COI Cashback of 5%

If you have at least three approved integrated products under the same policy, including AIA Vitality Unit Linked products and/or AIA Vitality Bonus riders, you will receive an additional 5% COI cashback in the first policy year. This applies only to approved AIA Vitality Unit Linked products as of the endorsement issuance date and excludes AIA Vitality Bonus riders, subject to the terms and conditions of the AIA Vitality program.

How to enjoy the benefits

Purchase AIA Vitality Integrated Products


Step 1 – Purchase eligible integrated products

Choose AIA Vitality integrated products that suit your lifestyle, such as AIA Vitality Healthy Bonus, AIA Vitality Bonus, or AIA Vitality Unit-Linked products, in accordance with the program’s conditions.

Step 2 – Earn points to upgrade your AIA Vitality status

Earn points and upgrade your AIA Vitality status. The higher your status, the greater the benefits you’ll receive from participating integrated products.

Step 3 – Receive benefits based on your AIA Vitality status and conditions

Enjoy bonus benefits and/or COI cashback depending on the integrated products you’ve selected and your AIA Vitality status on the policy’s anniversary date.

How to start to be

AIA Vitality member

An insurance plan that motivates healthier living, with policy benefits aligned to your AIA Vitality status*.

Earn more points by staying healthy and enjoy enhanced benefits as your AIA Vitality status increases.

Unlock exciting rewards, special discounts, and premium benefits from top-tier partners.

*Coverage terms and conditions are outlined in the insurance policy issued to the policyholder.
What You Need to Know
  • 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.
  • The Healthy Bonus (AIA Vitality Healthy Bonus) for AIA CI ProCare is calculated based on the standard premium and the insured’s AIA Vitality status. The total Healthy Bonus is paid every 3 policy years, or earlier in cases where benefits under the main integrated product have been paid, or when the premium payment term has ended. This bonus is applicable only to insured members who have not made any claims under AIA CI ProCare. The Healthy Bonus rates for Bronze, Silver, Gold, and Platinum statuses are 0%, 1%, 4%, and 9%, respectively.
  • The Healthy Bonus (AIA Vitality Healthy Bonus) for AIA Life Protector 70 and 80 is calculated based on the standard premium and the insured’s AIA Vitality status. The total Healthy Bonus is paid every 3 policy years, or earlier in cases where benefits under the main integrated product have been paid, or when the premium payment term has ended. The Healthy Bonus rates for Bronze, Silver, Gold, and Platinum statuses are 3%, 8%, 13%, and 18%, respectively.
  • Standard premium refers to the premium for standard risk, excluding any additional premium due to health and/or occupation. The premium amount depends on the payment frequency and does not include any premium discounts under the AIA Vitality program (if applicable).
  • In renewal years, the COI cashback may increase or decrease depending on the insured’s AIA Vitality status on the policy anniversary date. If your Vitality status is upgraded after the premium billing notice has been issued, AIA will refund the difference via AIAPAY after the premium has been paid.
  • The COI cashback is calculated as a percentage of the standard cost of insurance (COI) paid by the insured for each policy year. The standard COI refers to the cost of insurance for standard risk after deducting any discounts stated in endorsements (if any), excluding any additional COI for substandard risks due to health and/or occupation. It also excludes any COI waived under policy benefits and/or riders and/or endorsements (if any).
  • Premium Holiday: You may take a premium holiday once the policy has been in force for 3 years, provided that the required RPP premiums have been paid and there is sufficient fund value to cover policy charges. The policy will remain in force as long as the fund value is sufficient to cover these charges.
  • Unit-linked life insurance is not a deposit and carries investment risks. The insured should understand the product features, return conditions, and associated risks. It is important to read and understand the sales documents and the fund prospectus before making any investment decisions.
  • 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