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Maximum Maturity Age
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Everyone aspires to live a long and healthy life as we go on this journey. We do everything we can to ensure our families are happy. But a critical illness can strike anyone at any age, without warning. And if it does, it can cause a huge financial strain on you and your family. AIA with its ‘Suwa Diriya’ plan helps you to mitigate this strain, with a comprehensive cover for critical illnesses. We are there to provide you with the financial strength you need, so you can focus on your recovery or being there for your loved ones when they need you the most.
A comprehensive Critical Illness Cover
It includes heart disease | cancer | stroke | kidney failure
It covers you for a specific set of minor heart related illnesses / surgeries and early stage cancer.
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.
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.
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.
There is an in-built life cover on this plan. This life cover will come to the help of 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.
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.
There are 4 packages for you to select from, based on the Critical Illness coverage you need;
Health Package 1 - Life Benefit + Heart
Health Package 2 - Life Benefit + Cancer
Health Package 3 - Life Benefit + Heart + Cancer
Health Package 4 - Life Benefit + Heart + Cancer + Stroke + Kidney Failure
*Terms and Conditions apply. Please ask your Wealth Planner or Bancassurance Executive for more details
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;
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.