AIA Suwa Diriya

A Life Insurance plan which provides you with coverage for the most common Critical Illnesses*. It includes:

• Heart Disease
• Cancer
• Stroke
• Kidney Failure

Does it cover me for a minor stage of any of the above illnesses?

It covers you for,

• A specific set of Minor Heart related illnesses /surgeries.
• Early Stage Cancer.

What happens to my premiums after making a claim?

We understand that recovering from a Critical Illness takes time and we have designed benefits to ensure that you are financially worry-free.

Premiums for the next 3 years are waived-off in the event of a claim due to a Minor Stage Heart Disease or Early Stage Cancer.

• Premiums for the rest of the Premium Paying Term are waived-off in the event of a claim due to

• Major Heart Disease, Major Stage Cancer, Stroke or
• Kidney Failure, depending on the Health Package you select.

What happens to the policy, when I make a claim for a Critical Illness?

You will receive specified benefit amounts based on the claim type that you’re making. Further, because recovering from a Critical Illness has many unexpected expenses, we provide you with a ‘Recovery Benefit’, which provides an additional income during the recovery phase.

• 1% of your insured value will be provided for 5 years (60 months), after a claim, due to Major Heart Disease, Major Stage Cancer, Stroke or Kidney Failure.

What happens if I don’t make a claim?

AIA SUWA DIRIYA has a ‘No Claim Privilege’ which increases your cover limit.

• Your Critical Illness and Life Benefit limits are increased by 10% per year, for every year that you do not make a claim. Your covers will increase until you reach 150% of your original cover limit or until you make a claim.

What happens if I pass away?

There is an in-built Life Cover on this plan.

• This Life Cover will help your loved ones in the unfortunate event of your death. You have the option of selecting a higher Life Cover that suits your protection requirement.

Do I get anything at the end of the Policy Term?

This is a Pure Protection plan where you pay only for the protection that you obtain. Therefore, there is no ‘Maturity Benefit’ in this product. However, with the ‘Returning of Premium Paid’ option *, you are able to take back the premiums you paid for your cover, at the end of the Policy Term, if you do not make any claim during the Policy Term.