AIA Vitality Insurance Premium Discount Hong Kong

AIA Vitality Insurance Premium Discount

You could enjoy up to 15% discount off your annual insurance premium for the AIA Vitality Series insurance plans as you achieve a higher AIA Vitality Status.

What You Need to Know

Enjoy an instant 10% discount off first-year insurance premium when you buy any of the following AIA Vitality Series insurance plans.

Premium discount is only applicable to the standard premiums of selected AIA Vitality Series insurance plans (including basic and add-on plans) and shall not apply to any extra premiums due to loading. Some of the other selected AIA Vitality Series insurance plans may provide offers other than premium discount.

AIA Vitality Series Insurance Plan

Insurance Plan Type

Super Good Health Medical Plan 2

Medical

CEO Essence Medical Plan 2

CEO Essence Pearl Medical Plan 2

Cancer Guardian 2

Cancer Guardian Pearl 2

Metro-Trio Medical & Critical Illness Protection Plan

Metro-Trio Pearl Medical & Critical Illness Protection Plan

Superior Critical Illness Plan Pro

Critical Illness

Wisdom Term Life Plan

Life Protection

Expert Term Life Plan

Grand VIP

Accident & Other Protections

Super Adults Shield

Super Seniors Shield

After the renewal of the AIA Vitality membership and at each policy renewal year, this discount could increase or decrease according to your AIA Vitality Status. The higher your AIA Vitality Status, the greater the percentage of discount you will enjoy. Here’s how the AIA Vitality Insurance Premium Discount works.

Discount in the 1st year: 10%

Discount in the 2nd year onwards is based on your AIA Vitality Status:

AIA Vitality Status

Status-based adjustments at each policy renewal year

Platinum

Discount percentage increases by 1%

Gold

Discount percentage remains constant

Silver

Discount percentage decreases by 1%

Bronze

Discount percentage decreases by 2%

Here’s an example of how much discount an AIA Vitality member can enjoy based on the annual status adjustments:

John bought his first AIA Vitality Series insurance plan – Super Good Health Medical Plan 2 and signed up for AIA Vitality membership. He enjoyed an instant 10% premium discount in year 1. On the first anniversary day of his insurance policy, he has Gold AIA Vitality Status, so his premium discount remained at 10% (same as the previous year, no change). On the second anniversary day of his insurance policy, his AIA Vitality Status dropped to Silver, so his status-based discount dropped to 9% (10% as per the previous year – 1%). On the third anniversary day of his insurance policy, he has Platinum AIA Vitality Status, and his premium discount increased to 10% (9% as per the previous year + 1%).

The maximum insurance premium discount is 15% and the minimum premium discount is 0%.  

Even at a 0% discount, the cost is no higher than a non-AIA Vitality member would pay.

For more details, you may consult your AIA Financial Planner.

Get Started

Join AIA Vitality now to enjoy a wide range of benefits and start earning AIA Vitality Points.