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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 age 70 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 50 Million each year. You can even include your parents under this benefit.
Convenience of cashless hospitalisation at over 60 hospitals in Sri Lanka and overseas.
Covers 37 major illnesses such as a Cancer, Stroke, Heart Attack, Kidney Failure, etc. and even offers a special critical illness cover 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 of up to Rs. 20,000, for a maximum of Rs. 4 Million for a year, if you are hospitalised 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, during any emergency you can take up to 15% of your Health Fund value, once, during the Policy Term.
In-built benefits for Wellness, Dental, Maternity and Hospitalisation in Ayurvedic hospitals.
You will receive discounts on your hospitalisation expense cover when selecting the Self-Pay option.
*Terms and Conditions apply. Please ask your AIA Wealth Planner or Financial Planning 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 hospitalisation, surgery and day care procedures anywhere in the world* can be reimbursed with this cover. This cover includes in-built benefits such as coverage for Wellness, Dental, Maternity and Hospitalisation in Ayurvedic hospitals to ensure that you receive comprehensive health coverage.
We will provide financial assistance for 250 listed surgeries performed anywhere in the world. You can extend this cover to your spouse as well.
This benefit provides you with a daily cash payment of up to LKR 20,000 (from the very first day onwards) if you are hospitalised for more than two consecutive days. You will receive payment for an additional day if you are hospitalised for medical treatment and payment for two additional days if it’s for a surgical procedure.
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 the 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 related to Your insurance policy.
If Life Assured commits 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 related to your insurance policy;
·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 them (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 a result of 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 you do not pay your premiums on the due date You will have an additional thirty (30) days to pay your pending premiums.
After the policy begins there will be a waiting period of 3 months to enjoy the additional health coverage. 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 Health Fund. 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 basis for any benefit calculated based on the Health Fund 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.
Any time after completion of the 3rd Policy Year, a one-time withdrawal of 15% of the policy funds may be made.