AIA Critical Protect Plus is built to protect you through life's toughest health battles.
It allows you to claim up to three times for different major critical illnesses, providing cash support to help you recover and stay financially supported, even if life throws more than one health challenge your way.
It is an insurance plan designed to give you multiple claims for critical illnesses so you're protected not just once but when it matters most.
- Coverage up to age 100
- Optional benefits (riders) to enhance your plan
- Flexible payment terms: 10 years, 20 years, or up to age 65
It is ideal for people who want more than one-time critical illness coverage.
- Business Owners: To manage health risks confidently without disrupting business operations.
- Millennials or Health-conscious Planners: To enjoy life to the fullest with ongoing health protection and peace of mind.
- Family Providers: To safeguard against multiple health risks, ensuring continued family support and creating a health safety net for children.
- Mature Families or Legacy Builders: To secure lifetime protection while preserving wealth for future generations.
We offer flexible payment options based on your age:
- 10 Years to Pay: Available for ages 0 to 65
- 20 Years to Pay: Available for ages 0 to 55
- Pay up to age 65: Available for ages 0 to 40
The Major/Late-Stage Critical Illness (Major CI) benefit is divided into five (5) distince groups of covered illnesses:
- Cancer
- Organ Failure & Related Conditions
- Heart & Circulatory Conditions
- Nervous System Disorders
- Other Serious Illnesses
For the complete list of Major Illnesses, click here.
Here's how the multiple claim feature works:
- You can make up to three (3) separate claims, as long as each claim comes from. a different group.
- A second cancer claim may also be allowed under specific conditions.
- All claims are subject to the policy's terms and conditions.
If the insured is diagnosed with any of the covered Major/Late-Stage Critical Illness, the insured will receive 100% of the Major CI Benefit Amount minus:
- Any prior minor CI claims
- Any outstanding policy debts
Additionally, once the Major CI claim is approved, AIA Philippines will waive all the future premiums through the Waiver of Premium for Multi-Pay CI (WPMPCI) benefit.
This allows the insured to focus on recovery without worrying about payments.
Yes.
In case of the Insured's untimely passing, the plan provides financial support to loved ones and will be based on the two (2) scenarios below:
- Before any Major CI claim: 100% of the plan's Face Amount less any Minor CI claim and policy debts.
- After a Major CI claim: 20% of the Face Amount, or up to P1,000,000 whichever is lower, less any policy debts.
This ensures the beneficiaries receives meaningful support whether or not a critical illness claim has been made.
No, not within the first two (2) years of your policy's start date or reinstatement. If the insured dies by suicide during this period, we will refund the total premiums paid, but no death benefit will be given.
However:
- If suicide occurs while in the state of insanity, the death benefit will be paid regardless of when it happens.
- This rule only applies if no Major Critical Illness claim has been made.
If a Major CI claim has already been paid, no death benefit or premium refund will be provided.
Once the insured has made their third Major CI claim, the policy will end, and all benefits will stop (including the Death Benefit).
Yes.
If the insured is diagnosed with any of the listed covered Minor Critical Illness, they will receive 25% of their plan's Face Amount or up to 1,000,000 whichever is lower (less any policy debts).
This benefit will be advanced from the policy's Face Amount. For Early Thyroid Cancer, benefit amount is limited up to 10% of the Plan's Face Amount or 1,000,000 whichever is lower.
This benefit can only be claimed once.
This early payout helps you act fast and stay financially secure.
The maximum total benefit you can claim is up to 300% of your plan's Face Amount.
- Major/Late Stage Critical Illness Benefit
- 100% of the Face Amount per claim
- Claimable up to three (3) times (from different illness groups)
- Minor/Early Stage Critical Illness Benefit
- 25% of the Face Amount of PhP1,000,000 whichever is lower
- Death Benefit
- 100% of the Face Amount if no Major CI claims have been made
- 20% of the Face amount if there has been any Major CI claim
This means that across all eligible claims under these benefits, the total payout will not exceed 300% of your plan's face amount, subject to the policy's terms and conditions.
AIA Critical Protect Plus offers add-on benefits that give you extra protection and more peace of mind:
- Emerging Conditions: Early intervention before illness progresses. This benefit supports treatment for conditions like borderline malignant tumors, surgically removable benign tumors, and age-related macular degeneration with vision loss. The insured will receive up to 10% of their plan's Face Amount of Php500,000 whichever is lower (less any policy debts)
- Critical Care Assist: Extra help when you stay in the Intensive Care Unit (ICU) for five (5) consecutive days or more. This is equivalent to 10% of your plan's face amount, or up to PhP500,000 whichever is lower (less any policy debts)
- Gender-specific Cancer Benefit: Added protection for cancers affecting men and women differently. This is equivalent to 25% of your plan's Face Amount (less any policy debts)
Note: Any amount paid under these additional benefits is on top of the maximum 300% Face Amount payable for the core benefits.
No.
Critical Care Assist provides coverage only if you've had a major surgery on one of the vital organs due to illness or accident:
- Heart or major blood vessels
- Brain or central nervous system
- Kidneys
- Lungs
- Liver
And the insured must be admitted to the ICU for at least 5 consecutive days in the same hospital stay, requiring life support treatment such as:
- Ventilator-assisted breathing
- ECMO (Extracorporeal Membrane Oxygenation)
- IABP (Intra-aortic Balloon Pump)
- Dialysis or total parenteral nutrition
All surgeries must be performed in a hospital in the Philippines. This ensures support is provided during the most critical moments of recovery.
The critical illness coverage starts 90 days after the policy is issued (or reinstated.)
This short waiting period helps ensure long-term protection and peace of mind.
Not exactly. Multiple claims have their own waiting periods:
- 1st Major CI claim: Covered after 90 days from policy start or reinstatement
- 2nd Major CI claim: Can be made 12 months after approval of 1st claim
- 3rd Major CI claim: Can be made 12 months after approval of 2nd claim.
For a second cancer claim, the insured must complete a 3-year "cancer-free" period from the date they were declared cancer-free by their doctor.
"Cancer-Free" means the insured has not had any cancer recurrence for a continuous period of three (3) years, as confirmed by the attending physician. This confirmation must be supported by medical evidence, including clinical, radiological, histological, and laboratory tests.
The cancer-free period begins after completing all prescribed cancer treatments, which may include:
- Surgery
- Chemotherapy
- Radiation therapy
- Immunotherapy
- Monoclonal antibody therapy
- Any other conventional cancer treatments recommended by the attending physician
Simply connect with me, or chat with me, or email me so we can start protecting you and your finances from major health setbacks.
