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Savings and Protection
Maximum Maturity Age
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Our ultimate dream is to secure the future of our loved ones. With AIA ProtectedSavings, you can now provide maximum protection for your most valuable asset - your family. Be it your child's dream wedding, building a house or taking care of your son's or daughter's future needs, our solutions will make your world better.
Life Cover to suit your need | Continuous fund growth till maturity
If you die or become totally and permanently disabled during the policy term, we will make the payments on your behalf to make sure your family receives the fund you planned for them.
Your fund will earn dividends throughout the term and build a substantial fund at maturity.
AIA Protected Savings offers you a life cover that could be customized depending on the amount of protection you want for you and your family.
Financial commitments can be difficult. That's why we reward your commitment on the 10th policy anniversary with a loyalty reward equal to 200% of your annual basic premium. All you have to do is make sure you make each premium payment on time.
You can buy this plan for an affordable amount of LKR 15,000 per year. You may also top up your account with a minimum of LKR 25,000.
Additional options are available for you to customise your cover to make sure it suits your individual needs.
If you die from an accident or if you are not able to work due to an accident, we will provide financial protection for your family and ensure their lifestyle is maintained.
This benefit provides a daily cash payment of up to LKR 10,000 (from the very first day onwards) if you are hospitalized for more than 3 days. The amount you receive will double if admitted to an Intensive Care Unit. Furthermore, you can extend this cover for your spouse and children as well.
A critical illness not only affects your physical health but your financial health as well. With a critical illness cover, we will provide you and your spouse with financial support for 22 listed illnesses so you can focus on getting better.
Under this cover, you and your family's medical expenses can be individually reimbursed for hospitalization, surgery and day care procedures in Sri Lanka.
Under this cover, we will provide financial assistance for 250 listed surgeries performed in Sri Lanka, India or Singapore. Furthermore you can extend this cover for your spouse as well.
If you meet with a sudden death or become disabled and are unable to work, we will provide your family a monthly income (up to a maximum of 10 years during the policy term).
Provides a life cover for your spouse on your policy.
Under this cover, we will provide financial assistance for 250 listed surgeries performed in Sri Lanka, India or Singapore for your child. If your child is under 12 years, we will also provide you with an allowance so that you can be with your child.
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.
You may cancel this insurance policy by returning it to Us within fourteen (14) 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.
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.