Health
We care about your family's health as much as you do.
As easy as Tak Tik Tuk
Maximum Maturity Age
Issue Age
You can buy this via
Policy Term
Premium paying term
Retirement is imminent for almost everyone and yet, most of us don’t think about it until later in life. In hindsight, we wish we had. The fact is that it’s never too early to start planning for retirement.
Whether it’s that dream trip around the world or quite simply securing a monthly income after you retire, to maintain the lifestyle you’re used to, there is no time like the present, to start saving. The sooner you can start, even if it's small sums of money each month, the more secured your retirement will be!
With AIA Easy Pensions Plus, you can plan for your retirement in 3 simple steps! It’s as easy as Tak Tik Tuk!
You can either take your full Maturity Benefit when the policy matures or opt for a monthly pension income for a period between 5-30 years.
If you pay your premiums on time, you will get a Loyalty Reward of up to 8 times (800% ) of your annual basic premium, in the 15th year for 15 year Policy Term and 20th year for 20, 25 & 30 year Policy Terms (depending on the policy term and premium mode you choose). Your pension fund will earn dividends each year and continue to grow over time to help you to counter the effects of inflation.
The Accident Benefit will be helpful to your familyif you unfortunately pass away or become totally/partially disabled from an accident.
If you pass away or become totally and permanently disabled during the Premium Paying Term, AIA Premium Protection Benefit will continue your policy by paying your premium on your behalf. Your family will benefit from the Pension Fund you built for them.
You can pull out up to 15% of your fund, in a one-time withdrawal during your Policy Term.
AIA Easy Pensions Plus offers a choice of 6 pension packages. The package you select will also include Life Benefit and Accident Benefit that will provide you with greater comfort knowing your family will be financially secured.
Benefits |
Package 1 |
Package 2 |
Package 3 |
Package 4 |
Package 5 |
Package 6 |
Life Benefit (Rs.) |
450,000 |
600,000 |
750,000 |
900,000 |
1,050,000 |
1,200,000 |
Accident Benefit (Rs.) |
675,000 |
900,000 |
1,125,000 |
1,350,000 |
1,575,000 |
1,800,000 |
Premium Protection Benefit (WOP) |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Critical Illness Benefit* (Rs.) |
100,000 |
200,000 |
300,000 |
400,000 |
500,000 |
600,000 |
Hospitalization Benefit* (Rs.) |
1,000 |
2,000 |
3,000 |
4,000 |
5,000 |
6,000 |
Health Lite Benefit* (Rs.) |
Up to 300,000 |
Up to 500,000 |
Up to 750,000 |
Up to 750,000 |
Up to 1,000,000 |
Up to 1,000,000 |
* These benefits are optional. |
Health Lite Benefit can be selected from the 5 pre-designed packages as preferred.
The Pensions Booster is a unique feature introduced with AIA Easy Pensions Plus. AIA will boost your monthly pension with a dividend that is 30% higher than the declared Annual Dividend Rate.
A pre-packed hospital expenses benefit to cover the medical expenses of you and your loved ones up to a value of LKR 1,000,000
A daily cash income of up to LKR 6,000 per day if you get hospitalised for over 3 days, so that you can cover your daily expenses.
A Critical illness Benefit of up to LKR 600,000 to protect yourself financially against 22 critical illnesses including cancer, heart attack, stroke and kidney failure.
What does "Total and Permanent Disability" mean?
Total and Permanent Disability means you are disabled and unable to work or earn money for the rest of your life.
What do we mean by "critical illness protection"?
In an unfortunate event of diagnosis of a covered critical illness such as cancer, AIA provides you with cash compensation for heavy medical expenses to ease your burden, and face difficulties together.
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 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.