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  • AIA smart pensions Plus

    Retirement 

    Maximum Maturity Age

    UP TO AGE 76 (AT NEXT BIRTHDAY)

    Issue Age 

    19 – 61 (AT NEXT BIRTHDAY)

    You can buy this via

    AIA wealth planner/Financial Planning Executive


    Are you prepared for life after retirement?

    We all want different things at retirement, but we all desire to be financially independent to continue the lifestyle we know. Whilst having enough money to face life's unexpected surprises, without being a burden to anyone. That's why a monthly income in retirement is required. AIA Smart Pensions Plus not only guarantee an income in retirement, but one that keeps growing to combat inflation. With AIA Smart Pensions Plus you can continue living life to its fullest, long after retirement. 

    AIA values your health as much as your comfort during retirement. So, AIA Smart Pensions Plus has provided a Comprehensive Hospital Expense Cover that enables you and your loved ones to afford the best healthcare both locally and globally with AIA Health Passport.

    AIA Smart Pensions Plus helps you live a healthier, longer and a better life while building your pension fund.  

    A retirement fund | A growing monthly penison

    • GET IN TOUCH GET IN TOUCH
    • TALK TO US NOW TALK TO US NOW
      Talk to us now
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    • Download Brochure Download Brochure
    • DOWNLOAD LIST OF HOSPITALS WITH CASHLESS BENEFIT DOWNLOAD LIST OF HOSPITALS WITH CASHLESS BENEFIT
    AIA Smart Pensions

    what does it provide?

    • A Pension fund at retirement increased further by a large Loyalty Reward!
      A Pension fund at retirement increased further by a large Loyalty Reward!

      Your Pension Fund will be managed by professionals and continue to grow each year. To make your Pension Fund even bigger, we will add a Loyalty Reward of up to 1,650% of your annual premium (Depending on your Policy Term and Premium Paying Mode). All you have to do is pay your premiums on time. 


    • A monthly pension that fights inflation and grows each year
      A monthly pension that fights inflation and grows each year

      Your pension fund will earn dividends each year and continue to grow over time to help you to counter the effects of inflation.

    • Pensions Booster - A higher monthly income with no extra charge!
      Pensions Booster - A higher monthly income with no extra charge!

      The Pensions Booster is a unique feature introduced with AIA Smart Pensions Plus. AIA will boost your monthly pension with a dividend that is 30% higher than the declared Annual Dividend Rate.

    • We will pay your premiums if you are not around
      We will pay your premiums if you are not around

      If you unfortunately pass away or become totally and permanently disabled, we will pay all your remaining premiums and ensure your loved ones receive the Pension Fund you planned for them. 

    • Financial security and a monthly income for your loved ones
      Financial security and a monthly income for your loved ones

      In the unfortunate event of your death, we will help your loved ones by paying the Life Benefit the flexibility of receiving it as a lump sum, as a monthly income until the selected retirement date or as a combination of both.

    • Funeral Expense Benefit if you pass away during the Pension Receiving Period
      Funeral Expense Benefit if you pass away during the Pension Receiving Period

      AIA will pay a Funeral Expense Benefit worth 5 times your annual Basic Premium (up to a maximum of Rs. 500,000) as a free benefit. 

    • Flexibility to withdraw funds in an Emergency
      Flexibility to withdraw funds in an Emergency

      After the third Policy Year, you can withdraw up tp 15% of your Pension Fund, as a one-time withdrawal during the Premium Paying Term. 

    insurance terms explained

    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.


    do you want additional peace of mind?

    Additional options are available for you to customise your cover to make sure it suits your individual needs.

    • If you die from an accident we will provide financial protection for your family and ensure their lifestyle is maintained.

    • If Total Permanent Disability occurs due to an accident or sickness, you will receive the selected benefit amount. If Permanent Partial Disability occurs due to an accident, you will receive the applicable benefit amount as mentioned in the policy document.

    • This benefit is designed to complement your life insurance plan to turn it into a total health care plan. Under this cover, your whole family's medical expenses can be reimbursed for hospitalization, surgery and day care procedures in Sri Lanka.

    • 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.

    • Under this cover, you and your family's medical expenses can be individually reimbursed for hospitalization, surgery and day care procedures in Sri Lanka.

    • This benefit provides financial protection for you and your spouse, if diagnosed with one of the 22 listed Critical Illnesses.

    • 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 unfortunately pass away or become Totally Permanently Disabled (TPD) due to an accident or sickness, your beneficiaries will receive a ‘Monthly Income’ for the next 5 years. This will increase by 5% during each Policy Anniversary (on simple straight-line basis) until the monthly payment becomes payable.

    • 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.

    View more add-ons

    THE FINE PRINT

    the terms and conditions at a glance

    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 product can be obtained only from a licensed AIA Wealth Planner or AIA Financial Planning Executive.

    This page is only a product overview. For full product details please refer the policy document.


    DETAILED TERMS AND CONDITIONS

    DETAILED TERMS AND CONDITIONS
    - COLLAPSE + EXPAND

    Cooling Off Period

    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.

    General Exclusions applicable for all Benefits under this 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.

    Grace PERIOD

    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.

    Waiting Period

    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.

    Annual Dividends Rate

    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.

    Emergency Withdrawal

    You can take away upto 15% of the Investment Account balance after your policy obtained the surrender value.

    Other Products for your selection

    AIA EASY PENSIONS Plus

    Retirement

    Planing for your retirement now as easy as Tak Tik Tuk!

    +94 11 2310310

    AIA Tower, 92, Dharmapala Mawatha
    Colombo 07
    Sri Lanka.

    Fax : (+94) 11 4715892

    Email : lk.info@aia.com

     

    Contact AIA

    +94 11 2310310
     

    AIA Tower, 92, Dharmapala Mawatha
    Colombo 07
    Sri Lanka.

    Fax : (+94) 11 4715892

    Email : lk.info@aia.com

    go to

    AIA.COM

    Visit our corporate site to learn more about AIA.

    explore aia

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    GO TO

    AIA.COM

    Visit our corporate site to learn more about AIA.

    Explore AIA

    Our Products

    How to lodge a complaint

    About AIA

    Media Centre
    Careers

    Copyright © 2016, AIA Group Limited and its subsidiaries. All rights reserved.
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