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AIA: Income Protection

AIA income protection insurance pays a regular monthly benefit if the insured cannot work due to illness or injury, helping maintain mortgage repayments, rent, and household expenses, with a childcare reimbursement benefit and a cover suspension option for parental or unpaid leave.

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AIA Group (HK)
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Safeguards your ability to earn if you’re unable to work due to illness or injury

Your ability to earn is your biggest asset. If an illness or injury prevents you from working, you’ll want to know your finances and family are taken care of so you can focus on recovery and getting back to work.

If you face an illness or injury that stops you from working, this insurance provides regular monthly payments to cover your ongoing financial commitments like household bills and mortgage or rent payments.

  • Access to partial payments as you return to full-time work
  • We'll work closely with you to consider what rehabilitation or functional support could assist your recovery further.
  • Reimbursement for additional childcare costs for children under 14 years old
  • Suspend your cover for up to 12 months if you go on parental leave or unpaid leave
  • Access to our Enhancement Pass Back Benefit, which is our commitment to you to keep our insurance relevant. Changes we make to our AIA Living products in the future are automatically passed back to you, offering you even more at claim time
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Common questions about AIA income protection

Will my premiums go up each year?

It depends on what policy you select. Traditional stepped premiums do increase each year on your policy anniversary. Level premiums do not increase with your age for a specified period of time.

Am I locked into the cover for a certain period?

No. If you cancel your policy in the first 14 days your premiums will be refunded. After the 14 day free look period you are able to cancel your cover at any time.

How can I pay my premiums?

You can choose your method of payment you prefer e.g., Credit card, monthly Direct Debit or Cheque.

Do I have to pay on fortnightly basis?

No. You can choose your payment frequency i.e. weekly, fortnightly, monthly or on an annual basis.

Are medical tests required?

In most cases no medical tests are required. Each application is considered on an individual basis. If you are required to undergo any medical test they will be paid for by the insurance provider and at no cost to you.

Can I apply directly with the insurance providers for cheaper cost?

No. Most insurance providers prefer to work through intermediaries like us rather than dealing directly. We don’t mark up policies. In fact, we guarantee your premium is the same as going direct.

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