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No one plans to get sick or hurt, but most people would need medical care at some point. And if that time comes, you want to be well prepared. After all, you want to be able to afford the best medical treatment available, anywhere in the world. We owe it to ourselves, and to our loved ones who depend on us, to ensure our health is taken care of. That is why AIA Health Protector is specially designed to protect you and those that matter the most to you.
AIA Health Protector offers insurance coverage* till your age 70 years and has some of the highest levels of covers currently available in Sri Lanka.
Health insurance to suit your needs | Health Fund at maturity with Loyalty Reward
A full range of health and protection benefits to safeguard you, your spouse and children up to a total of Rs 20 Million each year.
Convenience of cashless hospitalization at over 60 hospitals in Sri Lanka with the choice of going abroad for treatment.
Covers 37 major illnesses such as Cancer, heart attacks, kidney faliure, stroke etc. and offers a special critical illness coverage for women.
250 of the most common surgeries covered - you have the freedom of getting surgeries done anywhere in the world.
You can choose to get a daily cash allowance up to a maximum of Rs. 20,000 up to Rs. 4 Million for a year, if you are hospitalized consecutively for two days or more.
You will receive the value of the Health Fund with a significant Loyalty Reward, at the end of the Policy Term. In addition to this at any emergency you can take up to 15% of your Health Fund value once during the Policy Term.
*Terms and Conditions apply. Please ask your Wealth Planner or Bancassurance Executive for more details
Additional options are available for you to customise your cover to make sure it suits your individual needs.
Medical expenses incurred by you or your family for hospitalization, surgery and day care procedures anywhere in the world* can be reimbursed with this cover.
We will provide financial assistance for 250 listed surgeries performed anywhere in the world. Furthermore, you can extend this cover to your spouse as well.
This benefit provides a daily cash payment of up to Rs. 20,000 (from the very first day onwards) if you are hospitalized for more than two consecutive days. You will receive one day additional payment if you are hospitalized for medical treatment and two days additional payment if it's for a surgical procedure. Furthermore, you can extend this cover to your spouse and children as well.
A critical illness not only affects your physical health but your finances as well. With the critical illness plus cover, we will provide you and your spouse with financial support for 37 listed illnesses including Cancer, Stroke, Heart Attack, Kidney Failure etc, so you can focus on getting better.
Under this cover, we will provide financial assistance for 250 listed surgeries performed anywhere in the world. If your child is under 12 years, we will also provide you with an allowance, so that you can be with your child.
If you die from an accident or if you are unable to work due to an accident, we will provide financial protection for your family so, that they can continue to maintain their current lifestyle.
Provides a life cover for your spouse on your policy.
If the Life Assured is not the Policy Owner, the benefits provided by this policy will be applicable to the Policy Owner, whilst the covers are applicable to the Life Assured. This page is only a product overview. For full product details please refer the policy document. Some of the benefits mentioned above are optional.
You may cancel this insurance policy by returning it to Us within twenty one (21) days from the date You received it. Then We will pay your premiums back to you after deducting the expenses relating to your insurance policy.
If Life Assured commit suicide (while in sound mind or otherwise) during the first year of the policy or the re-instatement;
We will pay the premiums you have paid after deducting the expenses relating to your insurance policy;
or
Where the policy is assigned to a third party if the third party proves that there isn’t any other way to recover the money paid for the assignment, We will make that payment to him (but not more than the amount payable upon your death)
We will pay only the Surrender Value, if the death of the Life Assured was resulted due to the Life Assured taking part or while trying to take part in any war, invasion, act of foreign enemies, hostilities or war like operations, civil war, mutiny, riot, strike, civil commotion assuming the proportions of or amounting to a popular uprising, military uprising, insurrection, rebellion, military or usurped power or any act of any person acting for any organization which works with the aim to forcibly remove any government from power by terrorism or violence.
If the reason for the death claim was Acquired immunodeficiency syndrome (AIDS) or human immunodeficiency virus (HIV) we will only pay the balance of the Investment Account as it was on the date on which We receive the notice of your death.
During the first three policy years if you do not pay your premiums on the due date you will have an additional thirty (30) days to pay premiums.
After the policy begins there will be a waiting period of 3 months to enjoy the additional health benefits. For Angioplasty benefit this period will be for 12 months.
A rate declared by the Company for each year that will be used as the basis to credit dividend to the Investment Account. The Annual Dividend Rate applicable for the previous year will be declared during the first six (6) months of the current year.A Guaranteed Dividend Rate declared by the Company that will be used as the basic for any benefit calculated based on the Investment Account balance until the Annual Dividend Rate for the respective year is declared. The Guaranteed Dividend Rate for the following year will be declared during the last three (3) months of the current year.
You can take away upto 15% of the Investment Account balance after your policy obtained the surrender value.