AIA Critical Protect 100
Get peace of mind in case you get a critical illness.
Key benefits
100 critical illnesses until age 100
Protection against 100 critical illnesses, including the top 3: cancer, stroke and heart disease, from age 0 until 100.
57 major critical illnesses
Receive a cash benefit once diagnosed with any of the 57 major critical illnesses.
Early stage or minor critical illnesses
If diagnosed with a covered early-stage condition, get 25% (up to a maximum of PHP 1,000,000) of your critical illness coverage in advance.
Juvenile critical illnesses
Coverage for juvenile critical illnesses, claimable until the insured reaches age 22.
Not affected by market risks
Your benefits are not affected by market risks, so you get full protection when you need it.
Plan details
To give your family the best protection for them and their future, you need a plan that protects you too. AIA Critical Protect 100 protects you against 100 critical illnesses, from age 0 to 100. You can improve your coverage further by adding a Gender-Specific Cancer rider and a Recovery Benefit rider.
Because your benefits are not affected by market risks, you can be sure you get full protection when you need it.
Critical illnesses like cancer, stroke and heart disease need extensive medical care and treatment, and their costs can outstrip a family’s savings quickly. Without an emergency fund or health savings fund, paying those bills out of pocket is even harder.
What it covers
100 critical illnesses until age 100
Some critical illnesses happen early, and some come with old age. AIA Critical Protect 100 protects you against 100 illnesses, from age 0 until 100.
57 major critical illnesses
Receive a cash benefit once you’re diagnosed with any of the 57 major critical illnesses.
Early stage or other minor critical illnesses
If you’re diagnosed with any of the covered early-stage conditions, you can get 25% (up to a maximum of PHP 1,000,000) of your critical illness coverage in advance.
Juvenile critical illnesses
The benefit under the Juvenile CI list can no longer be claimed once the insured reaches 22 years old.
A healthier, longer and better life
AIA Critical Protect 100 comes with AIA Vitality (formerly Philam Vitality). Besides protection against illnesses, you get access to a total wellness program that helps you know your health, improve your health and enjoy rewards throughout your wellness journey.
Additional coverage
Gender-specific cancer rider
Add a gender-specific rider to receive an additional 50% benefit if you’re diagnosed with a gender-specific cancer (for example prostate cancer, cervical cancer or ovarian cancer).
Recovery benefit rider
Count on AIA Critical Protect 100 from treatment to recovery. With this rider, you can receive 5 yearly recovery cash benefits, each worth 10% of your main coverage. You can claim the first payout one year after the major claim.
Waiver of premium in case of death or total disability
If the payor dies or becomes totally disabled, all future premium payments for juvenile policies (insured aged 0 to 17) are waived.
Book a free online assessment
A video call about your goals and your budget. Free, and no obligation to buy.