AIA Sri Lanka is a leading life insurance company dedicated to helping people live healthier, longer, better lives. We offer a wide range of life insurance, health insurance, and savings solutions to meet your individual needs.
General
Product related
General information
You can contact us through the following channels:
*Call: 0112 310 310
*Email: lk.info@aia.com
* Visit: www.aialife.com.lk
We offer a comprehensive range of insurance products, including:
* Life Insurance
* Savings, retirement and Investment Plans
* Health Insurance
* Protection Insurance
You can purchase a policy through one of our Wealth Planner, Financial Planner Executives, visiting the nearest AIA branch or by contacting our customer service team.
Don't worry! Our Higher Education Fund Calculator can help you determine the right amount to save to make sure your child's higher education is financially secure. Get a personalized estimate and start planning their future today!
Let's take the guesswork out of retirement planning! Our Retirement Fund Calculator can help you estimate how much you'll need to save to reach your retirement goals. Take a few minutes to explore your options and get a clearer picture of your future.
You can update your contact information online through our customer portal (MyPage) or by contacting our customer service team.
AIA Health Passport
AIA Health Passport is a comprehensive hospital expense cover that enables you and your loved ones to afford the best healthcare both locally and globally. With AIA Health Passport, prepare yourself for any unforeseen health concerns while ensuring access to the best healthcare without facing a significant financial burden. You can obtain this benefit as an additional health benefit with AIA Super Protector plans.
AIA Health Passport comes with 11 benefit options that you can select from to personalise the hospitalisation expense cover according to your requirement.
- It isn’t always enough as companies limit the amount of coverage they offer.
- Your health cover will cease when you leave the company.
- Most people retire at age 55, so you will lose your cover by then. While this is the time you actually need a health plan, it may be too late to purchase a new policy at this age.
- The Self-Pay option is ideal for anyone who has corporate health insurance because you receive a discount on the additional cover, and you can claim the corporate plan payment as a deductible.
You can contact your AIA Wealth Planner, Financial Planning Executive, Authorized Broker or call us on 0112 310 310.
Yes. If you can obtain an AIA Health Passport amount of LKR 3,000,000 and above you are eligible for the worldwide coverage excluding USA and Canada.
Yes. You need to keep us informed if you are planning to be hospitalised overseas. You can inform us within 48 hours, in the event of an unplanned hospitalisation.
There is a 90-days waiting period from the date of policy commencement or date of reinstatement, whichever is later, if cause of claim is not due to an accident.
Below are the other applicable waiting periods;
- One year waiting period applicable for common surgical conditions.
- 2 claim free years applicable for the Wellness Benefit.
- 180 days waiting period applicable for the Dental Benefit.
- 24 months waiting period applicable for the Maternity Benefit.
- 180 days waiting period applicable for the Alternative medicine (Ayurvedic treatment).
Yes. If those are directly related to the hospitalisation diagnosis and incurred within the Pre/Post Hospitalisation period of 30 days you are eligible to claim the Benefit Amount.
AIA will pay the premium on your behalf for the rest of the Policy Term including the premium for the AIA Health Passport (If you have opted).
The policyholder can select the family cover to protect the policyholder and the policyholder’s family (including policyholder's parents) all through one cover. (For example: The Policyholder can select an LKR 1,000,000 worth coverage to cover up to 7 members).
The policyholder can select individual covers to protect the policyholder and the policyholder’s family (including the policyholder’s parents).
(For Example: The policyholder can select LKR 1,000,000 worth coverages for each family member separately).
All family members including parents and children should either buy the individual or the family cover as there can’t be a mix of floater and individual covers in a given contract. When selecting individual covers, members of the family cannot select different packages.
Maternity Cover is optional and only can be obtained with the AIA Health Passport.
Female lives from ages 19 to 45 (age at bext birthday) can opt in for the maternity cover regardless they are being the main life or the spouse. Maximum benefit of 2 deliveries are covered under the lifetime of the policy and this benefit is only applicable to the AIA Health Passport Benefit Amounts of LKR 1,000,000, LKR 2,000,000, LKR 3,000,000, LKR 5,000,000, LKR 10,000,000, LKR 20,000,000, LKR 30,000,000, LKR 40,000,000 and LKR 50,000,000.
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Entry and Cover Ceasing Age (Next Birthday) |
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Entry Age Adults Minimum age at entry for Adults: Age 19 at next birthday. Maximum age at entry for Adults: Age 61 at next birthday.
Children Minimum Age at entry for Children: Age 3 months old (subject to both parents being covered under the health policy). Maximum entry age for Children: Age 18 at next birthday (for children who are unmarried and are dependent on parents) Maternity Benefit Applicable only to females Minimum age at entry – 19 (Age next birthday) Maximum age at entry – 45 (Age next birthday)
Cover Ceasing Age Cover ceasing age for children: Age 24 at next birthday (for children who are unmarried and are dependent on parents) Cover ceasing age for Adults: Age 70 at next birthday.
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AIA Smart Pensions Plus is a comprehensive Life Insurance policy with the options of building a large Pension Fund while providing personalized protection for your loved ones.
There are many options for you to receive income during your retirement. But Life Insurance is the only option which provides 'Protection' whilst building a Pension Fund. AIA Smart Pensions Plus is one of the best retirement solutions in Sri Lanka.
AIA Smart Pensions Plus has in-built benefits such as Life Benefit and Premium Protection Benefit. Additionally, you can customize your protection with below Optional Benefits
· Accident Benefit
· Critical Illness Benefit (Covers 22 illnesses)
· Adult Surgery Benefit
· Hospitalisation Benefit
· Spouse Life Benefit
· Spouse Critical Illness Benefit
· Spouse Adult Surgery Benefit
· Spouse Hospitalisation Benefit
· Permanent Disability Benefit (Due to accident or sickness)
· Family Income Benefit
· Health Passport Benefit
· Family Health Passport Benefit
· Spouse Health Passport Benefit
· Child Healthcare Benefit
· Child Hospitalisation Benefit
· Child Health Passport Benefit
Your fund will be boosted by an Annual Dividend each year. The Guaranteed Dividend is the Minimum Dividend that your fund will receive. However, if the Actual Declared Dividend Rate is higher than the Annual Guaranteed Dividend Rate, then what you receive is the higher Dividend Rate. This ensures that you will receive a larger fund at maturity.
The Minimum Guaranteed Dividend Rate vs the declared Dividend Rate for similar products in the recent past are shown below:
The Minimum Annual Dividend Rate guaranteed for the year 2024 is 8%.
Please note that the Minimum Guaranteed Dividend Rate and the actual Dividend Rate declared annually may vary based on the expected yield of the Life Fund and this could be lower, higher or similar to the Dividend Rates declared in the past.
AIA Smart Wealth is a Life Insurance policy with a Short Premium Paying Terms or Single Premium which provides Long Term Protection whilst creating, managing, and protecting your wealth.
You need to pay premiums for only 4 or 6 years. But you are protected for up to 20 years.
You also have an option of paying your premiums as a single premium and build your fund up to 10 years.
There are many options for you to invest in and save. But Life Insurance is the only option which provides 'Protection' whilst increasing your savings. AIA. Smart Wealth is one of the best life insurance plans with in-built protection and savings benefits.
4 Pay 10 (Premium Paying Term is 4 years and Policy Term is 10 years)
4 Pay 20 (Premium Paying Term is 4 years and Policy Term is 20 years)
6 Pay 15 (Premium Paying Term is 6 years and Policy Term is 15 years)
6 Pay 20 (Premium Paying Term is 6 years and Policy Term is 20 years) Single Premium (Policy Term is 5 or 10 years)
For 4 Pay and 6 Pay options In the unfortunate event of your death, your loved ones will immediately receive the Life Benefit amount. If the death is due to an accident, the Accident Benefit amount is also paid in addition to the Life Benefit amount. If the death is during the Premium Paying Term, AIA will pay your premiums on your behalf and continue your policy. So, your loved ones would benefit from the fund you intended to build for them. They will have the flexibility of choosing to claim the fund as a lump sum or a monthly income at maturity.
For Single Premium option In the unfortunate event of your death, your loved ones will immediately receive the Life Benefit amount. Your loved ones. would benefit from the fund you intended to build for them. They will have the flexibility of choosing to claim the fund as a lump sum or a monthly income at maturity.
The basic premium that you pay will be invested in your investment account from day one (after deducting allocation charges) so that your fund building starts from your first payment itself. Additionally, Annual Dividends will be added to your fund on a compounding basis so that you have a large fund at the end of the Policy Term.
Your fund will be boosted by an Annual Dividend each year. The Guaranteed Dividend is the Minimum Dividend that your fund will receive. However, if the Actual Declared Dividend Rate is higher than the Annual Guaranteed Dividend Rate, then what you receive is the higher Dividend Rate. This ensures that you receive a larger fund at maturity.
The minimum guaranteed Dividend Rate vs the declared Dividend Rate for similar products in the recent past are shown below:
The Minimum Annual Dividend Rate guaranteed for the year 2024 is 8%.
Please note that the minimum guaranteed Dividend Rate and the actual Dividend Rate declared annually may vary based on the expected yield of the Life Fund and this could be lower, higher or similar to the Dividend Rates declared in the past.
Life Benefit.
Accident Benefit which covers death due to accident, Total Permanent Disability, and Permanent Partial Disability due to an accident (TPD and PPD due to accident).
Premium Protection Benefit.
Please note that the Premium Protection Benefit and Accident Benefit are not applicable for the Single Premium option.
You can withdraw 15% of your Fund Value after the completion of the Premium Paying Term, once during the Policy Term.
Please note that this feature is not applicable for Single Premium option.
Annualised Basic Premium is the premium without the risk charges for the Life Benefit, the Accident Benefit and the Premium Protection Benefit. This premium will be allocated to your investment account to build your fund after applying Allocation Charges.
Total Annualised Premium is the premium for all your savings and protection benefits. This includes the premium allocated to your investment account, the premium for the Life Benefit, the Accident Benefit, and the Premium Protection Benefit.
These terms are applicable only for the 4 and 6 year Premium Paying Term options as the entire premium is paid at once in the Single Premium option.
AIA Super Protector Flexi is a smart life insurance solution with limited premium paying terms for your PROTECTION needs. It includes optional benefits to provide you with a more comprehensive coverage solution.
AIA Super Protector Flexi is a Limited Pay life insurance solution. You can select from 3 options according to your needs. The following are the Premium Paying Terms and Policy Terms of AIA Super Protector Flexi.
AIA Super Protector Flexi comes with a Life Insurance Benefit along with four optional benefits that you can use to personalize the policy according to your requirement. The four optional benefits are as below;
a) Accidental Death Benefit
b) Permanent Disability Benefit
c) Family Income Benefit
d) Premium Protection Benefit
The environment around us can be uncertain, resulting in many unexpected situations that may arise during our lives. In the event of a disease or an accident, you and your loved ones will require adequate financial protection. In the absence of a Life Insurance plan, you will have to use your hard-earned savings. Therefore, owning a personalised financial protection solution is vital for any of us. AIA Super Protector Flexi is one of the best life insurance plans in Sri Lanka and is equipped to financially protect you and your family when you need it the most.
Yes. You can add the Accidental Death Benefit to your Policy. In the event of an unfortunate death due to an accident, your beneficiaries will receive the Accidental Death Benefit amount in addition to the Life Benefit.
Yes. The increase of the Life Benefit by 5% at each Policy Anniversary on a simple straight-line basis will continue until the end of the Policy Term or until a death claim is made. In the unfortunate event of a death, the total Life Benefit which includes the increase will be immediately paid to your beneficiaries.
If you become Totally Permanently Disabled due to an accident or sickness, you will receive the selected benefit amount. However, the Permanent Partial Disability Benefit will be paid when Permanent Partial Disability occurs due to an accident only. You will receive the benefit amount based on the table of benefits specified in the policy document.
Yes. You can obtain a policy if you are a Sri Lankan citizen residing in Sri Lanka at the time of purchasing the policy. However, the benefits of the policy will be paid in Sri Lankan Rupees. You need to tell us of your intention to travel outside of the country for a long period of time, before you travel.
a) Your beneficiaries will receive the increased Life Benefit value immediately.
b) If you have opted for the Family Income Benefit, your beneficiaries will receive the increased 'Monthly Income' for the next 5 years.
AIA Wealth Builder is a Single Premium Non-Participating Unit Linked Plan which is linked to the Stable Money Market Fund. The Policy Term of the plan is 10 years.
There are many options for you to invest in and save. But Life Insurance is the only option which provides 'Protection' whilst providing savings returns. AIA Wealth Builder is a Unit Linked life insurance solution with in-built protection and savings benefits. Also, your investment will have lower risk with AIA Wealth Builder as your money will be invested in the Stable Money Market Fund.
In the event of unfortunate death, your beneficiaries will receive the Life Benefit which is 10% of the Total Single Premium including Life Benefit premium and any extra policy loading. Apart from that, the fund value calculated based on the number of units available as of the claim registration date, after applying the relevant unit price subject to Company's existing unit pricing guidelines, also will be provided to your loved ones.
The Single Premium (Allocated Premium) after deducting the allocation charges and the Single Premium for the Life Benefit will be invested in the Stable Money Market Fund. The Company will maintain the unit linked fund on behalf of you by converting the Allocated Premium into units at then unit price available to ensure a stable return to you at the end of the Policy Term.