AIA Life Insurance Singapore

AIA Singapore offers several types of life insurance plans: AIA Guaranteed Protect Plus (III) Whole Life plan, Direct AIA Whole Life Cover (II), and the term life AIA Term Cover which you can directly purchase online without the help of an insurance agent, the AIA Pro Lifetime Protector (II), and AIA Secure Flexi Term.

AIA Singapore offers 4 types of medical or hospitalisation insurance plans, including their flagship Integrated Shield Plan called the AIA HealthShield Gold Max, the AIA Mum 2 Baby Choices for pregnant mothers, AIA Platinum Health for overseas hospitalisation coverage, and the AIA Hospital Income for income replacement when you're hospitalised.

AIA Singapore has 4 types of personal accident insurance plans, namely the AIA Solitaire PA (II) which includes fringe health conditions such as dengue fever, food poisoning, transport-related accidents as well, the AIA Star Protector Plus for children, the AIA Prime Assured for global and overseas personal accident coverage for the elderly, and the customisable AIA Platinum Accidentcare for high net-worth individuals.

AIA Singapore has savings plans for different types of individuals and needs: the AIA Smart Wealth Builder Series allows you to withdraw your savings, the AIA Smart Flexi Rewards (II) comes with yearly coupons, the AIA Retirement Saver (IV) helps you save up for retirement, the AIA Guaranteed Protect Plus (III) is a whole life plan which builds cash value, the AIA Smart Flexi Growth is a savings plan with a flexible range of 5, 10 or up to 30 years of premium payment options, while the AIA Smart Goal 10 is 10-year plan with only 3 years of premium payments.

AIA offers retirement plans including the AIA Wealth Legacy which is an SGD and USD ILP, while AIA Platinum Wealth Elite is a universal life plan with a customised returns rate based on your risk profile. The AIA Platinum Wealth Heritage is a whole life plan with returns, the AIA Platinum Legacy (IX) is a legacy plan, AIA Platinum Heritage (II) and Heritage Premier offer cash value and premium payment flexibility, AIA Platinum Pro Secure allows you to pay premiums for only 20 years, AIA Platinum AccidentCare offers personal accident coverage, AIA Platinum Generations (II) is a whole life plan offers you yearly cash coupons, AIA Platinum Gift For Life is a whole life plan for your child, and AIA Platinum Health is a termed hospitalisation and medical insurance plan.

There are 2 disability income insurance plans at AIA Singapore namely the AIA Premier Disability Cover and AIA Pay Protector. AIA Premier Disability Cover is a term plan which offers you monthly payouts in the event you are diagnosed with total and permanent disability and are unable to work. In the event that your disability condition has affected your job prospects and lowered your income, the plan will match the difference.

The AIA Pay Protector guarantees you with a fixed monthly income payouts for up to 5 years will help supplement your loss of earnings during this difficult time. Moreover, the premiums are affordable and will not increase with time, unlike many other plans that do not offer this feature.

AIA offers a range of critical care illness plans, including the comprehensive Absolute Critical Cover which you can buy for newborns from 2 weeks old, the 20-year-long AIA Multistage Cancer Cover, the AIA Multistage Critical Protector which covers 6 common types of critical illnesses, the AIA Beyond Critical Care which includes mental illnesses, the AIA Glow of Life for women, AIA Prime Critical Cover to cover individuals aged 40 to 70, and the AIA Diabetes Care for individuals aged 30 to 65 with Type 2 diabetes.

There are a couple of AIA investment-linked policies (also conveniently known as ILPs). The AIA Platinum Wealth Elite is a customisable whole life plan that stretches up to age 122, while ILPs like the simplified AIA Pro Achiever 2.0 plan are more suitable for beginners, others such as the AIA Pro Lifetime Protector (II) includes critical illness and disability riders, AIA Invest Easy which starts from S$12,000, and the AIA Elite Secure Income which allows you to receive secure monthly income for over 10 or 15 years and up to 25% power-up bonus.

AIA Singapore only has 1 travel insurance which is the AIA Around The World Plus (II) which offers you emergency overseas medical coverage, medical evacuation and repatriation, accidents, property losses, disruptions, and post-trip medical expenses in Singapore. You get to choose to buy a single trip or annual multi-trip travel insurance plan.

AIA Singapore offers 1 type of maid insurance – the AIA Domestic Help Cover Plus (II) for foreign domestic workers (FDWs) aged between 18 and 60, offering coverage for hospital bills, surgeries and day surgeries, accidents, inpatient, and minor outpatient treatments. It is mandatory for all foreign domestic workers in Singapore to have a medical insurance.

There is 1 pet insurance plan offered at AIA Singapore called the AIA Paw Safe, for dogs aged 3 months to 7 years old. Premiums start from S$6.63 per month for medical coverage including reimbursements for up to S$1,000 for accidents, S$1,000 for theft of your dog, S$1,000 for death, S$250 for cremation or burial, and S$1 million for third-party attacks or property damage.

If you have an AIA insurance policy, check if your insurance plan is compatible with AIA Vitality. AIA Vitality is AIA Singapore's wellness programme meant for their insurance policyholders to gain discounts for insurance premiums, food, lifestyle, travel services, and even health screenings via health and fitness challenges and goals.

AIA Guaranteed Protect Plus (III) is a whole life insurance plan that individuals aged 0 to 70 can buy. You will get to choose a base assured sum for your entire life, and choose a multiplier (2X, 3X, 4X, or 5X) to increase your sum assured for a short period of time until you turn 65 or 75 years old. A multiplier serves to increase your total sum assured for a decade or two while your children are still dependent on you. Other benefits of this plan includes critical illness riders that you can add on to increase your coverage, flexible premiums payment terms of 12 or 20 years, or until you are 65 or 75 years old. You will also have a guaranteed cash value and potential non-guaranteed bonuses. This plan is compatible with AIA Vitality.

AIA Pro Lifetime Protector (II) is a whole life insurance plan issued for individuals aged 0 to 70. You will get to customise your plan to suit your lifestyle needs, including 150 multi-stage critical illnesses, disabilities, and relapses of medical conditions. You will also be able to increase your coverage by $200k upon your 18th birthday, marriage, childbirth or adoption, or death of spouse. You will get to choose a investment portfolio to suit your risk profile. This plan is compatible with AIA Vitality.

Direct AIA Whole Life Cover (II) is a whole life plan that individuals aged 18 to 65 can directly purchase online on their own without the help of an insurance agent. Called Direct Purchase Insurance (or DPI), these direct insurance plans come without the advice of an insurance agent nor commissions and tend to have lower premiums. AIA Whole Life Cover covers you for death, terminal illness, and total and permanent disability (only until 65 years old) up to 100 years old, offers you a non-guaranteed yearly bonuses and another non-guaranteed one-off bonus when you make a claim. Finally, your premiums will not rise as you grow older, and you get to include a critical illness rider.

Want to insure yourself against the 73 common major stage critical illnesses? The Critical Protector Life (III) rider does that for you until you turn 100 years old.

If you're looking for a rider that's even more comprehensive, the Early Critical Protector Life (III) rider cover 150 multi-stage critical illnesses and 15 special conditions – which includes osteoporosis and complications from diabetes.

In the event you are diagnosed with a critical illness, your income and financial status may be affected. The Critical Protector Waiver of Premium (II) and Early Critical Protector Waiver of Premium (II) will cover your future premiums in that case.

Don't have time to compare all the different life insurance plans in Singapore? Answer some questions and let our intelligent system find the best life insurance plan for you.

After you submit your quiz, our expert insurance specialist team members may drop you a call to clarify your needs and explain your options to you. Seize this chance to ask our friendly colleagues the burning questions you may have about life insurance!

Once you have spoken to our insurance specialists, considered your options, and planned your finances, you are ready to apply for your life insurance plan online through our portal.

Once you’ve given your AIA insurance agent a call or text about your hospitalisation or submit your claims form via your clinic or hospital, AIA will verify if your medical treatment or bill is covered by your policy and your eligibility for the specific claim, check your claim documents and your former health records, before requesting for your submission of any required documents if necessary.

The supporting documents include:

• Medical reports and related evidence in the form of photos and/or emails
• Original supporting documents/ receipts for auditing purposes up to 12 months after settling your claim
• Proof of payment by you (e.g. a bank or credit card statement) for medical bills you have paid
• A copy of NRIC / Permanent Resident Card /Passport / Employment Pass / Student Pass / Dependant’s Pass
• A copy of doctor memo or medical report or Inpatient Discharge Summary (IDS) outlining 1st onset date and diagnosis of the medical condition

Go to AIA’s Online Claims Portal to fill in your particulars and the necessary details for the claims (you'll need your email address or policy number), and upload all soft copies of the supporting documents you have prepared. If you prefer to do it via your mobile, you may want to download the My AIA SG app which is available on the Google Play store and Apple App store to file your claim.

Once you’ve completed the claims submission via AIA’s claims portal, your claim will be reviewed by AIA and you’ll receive an acknowledgement email. If you encounter any issues with the claim submission, you can call AIA’s claims hotline at 1800 248 8000 or 65 6248 8000 (overseas) for assistance.

Their claims hotline is available from Mondays to Fridays, 8.45am to 5.30pm. Alternatively, you may email them at [email protected]. Once the review is done and your claim is approved, AIA will liaise with any respective healthcare providers involved and make the necessary payments needed.