AIA Vitality Insurance Super Medical Reward

Enhance your Medical Reimbursement with healthier living.

What You Need to Know

Super Medical Reward enhances your medical benefit as your health improves. We will adjust the reimbursement percentage for your medical claims every year according to your health condition, as reflected in your annual health check.

AIA Vitality Series Insurance Plan

Insurance Plan Type

Metro-Trio Medical & Critical Illness Protection Plan

Medical

Metro-Trio Pearl Medical & Critical Illness Protection Plan

By keeping us regularly updated on your health status, you can boost your medical reimbursement percentage up to 70%. Here’s how.

1. Test your blood glucose (HbA1c), blood pressure, cholesterol and BMI levels and successfully upload the proof of assessment onto this portal to earn the relevant health points within 180 days before the end of each policy year.

Type

Range

Health Points

HbA1c

(reflect your average blood glucose level over the past 3 months)

<7.0%

100

7.0% – 9.0%

80

>9.0%

0

Blood Pressure (mmHg)

< 140/90

25

<= 150/94

15

Others

0

Total Cholesterol (mmol/L)

3.6 - 5.19

25

5.20 - 6.20

15

Others

0

BMI

18.5 – 27.9

25

28.0 – 32.0

15

Others

0

2. Add up all your points to determine your Health Status.

Total Health Points

<75

75-134

135-164

>=165

Health Status

1 Star

2 Stars

3 Stars

4 Stars

3. Based on your Health Status, your reimbursement percentage in the subsequent policy year will be adjusted according to the following table. Reimbursement percentage will not be lower than 55% or higher than 70%.

Reimbursement percentage adjustment for the subsequent policy year:

Current year reimbursement percentage

1 Star

2 Stars

3 Stars

4 Stars

55%

0

+5%

+5%

+5%

60%

-5%

0

+5%

+5%

65%

-5%

-5%

0

+5%

70%

-5%

-5%

-5%

0

Here's an example:

John bought his first AIA Vitality Series insurance plan – Metro-Trio Medical & Critical Illness Protection Plan and signed up for an AIA Vitality membership. The medical reimbursement percentage at policy year 1 is always 55%. At the end of year 1, he achieved “2 Stars” health status, so his medical reimbursement percentage increases to 60%. At the end of year 2, his health status dropped to “1 Star”, so his medical reimbursement percentage dropped to 55%.

If no proof of assessment for the determination of the health status is submitted to us within the prescribed period of time prior to the policy anniversary, we will reduce the reimbursement percentage by 5% at such policy anniversary, while the reimbursement percentage will not be lower than 55%.

If your membership of AIA Vitality is terminated for any reason, your Super Medical Reward will terminate concurrently and the reimbursement percentage will be adjusted to 55%.

Super Medical Reward has its independent terms and conditions to govern the health status. AIA shall have the sole discretion to modify and change the rules, procedures, features and any terms and conditions of Super Medical Reward. The terms and conditions of Super Medical Reward are separate from, and in addition to, the terms and conditions of AIA Vitality.

Important Notes for AIA Vitality Super Medical Reward
 

1. Your name must be shown clearly on the uploaded proof of assessment and match the name of the insured on the policy.

2. The results of the 4 check-up items (i.e. HbA1c, Blood Pressure, Total Cholesterol and Body Mass Index (BMI)) must be clearly shown on the proof of assessment. These results can be separately shown on different proof of assessment.

3. If we do not receive your proof of assessment within the prescribed period of time, the health points of the related check-up items for the relevant year will be zero.

4. If you performs health test in

  • Hong Kong or Macau: AIA Hong Kong & Macau only accept the proof of assessment issued by hospitals, clinics and/or health check centers;
  • Mainland China: AIA Hong Kong & Macau only accept the proof of assessment issued by hospitals on the “List of Designated Hospitals in China” as published in AIA corporate website (www.aia.com.hk). The list may be varied, updated and amended from time to time at the Company's discretion, and any change shall be deemed as effective on the date of publication on the AIA website;
  • Other Countries: AIA Hong Kong & Macau only accept the proof of assessment issued by hospitals.

5. Under any circumstances, handwritten proof of assessment is not acceptable.

6. The above requirements will be reviewed and can be amended from time to time.

7. AIA Hong Kong & Macau may audit your proof of assessment, please keep the original copy.

8. Where dishonesty or fraud or misrepresentation or abuse of Super Medical Reward is detected, benefits will not be awarded, and your Super Medical Reward may be cancelled

9. Please refer to the Super Medical Reward Terms and Conditions for the exact and complete terms and conditions

Terms and Conditions for AIA Vitality Super Medical Reward

Get Started

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