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  • AIA Pensions premier gold

    Retirement · Critical Illness Protection

    Maximum Maturity Age

    up to age 65

    Issue Age 

    18-50 years

    You can buy this via

    aia wealth planner


    Are you prepared for life after retirement?

    Will your salary be enough to sustain the lifestyle you’re enjoying after retirement? Have you considered the effects of inflation on your savings? What if something were to happen to you before you retire? Is your family’s future secure?  We asked ourselves the same questions and came up with a comprehensive retirement plan that will help you sustain your lifestyle, grows year on year to combat inflation and gives your family peace of mind if the unforeseen should happen.

    Why wait any longer? Fill in the form below and we will get in touch with you so that you and your family can rest assured knowing your future is secure.

    A monthly pension | Life protection for you and spouse

    • GET IN TOUCH GET IN TOUCH
    • TALK TO US NOW TALK TO US NOW
      Talk to us now
    • Share with a friend Share with a friend
    • Download Brochure Download Brochure
    • DOWNLOAD LIST OF HOSPITALS WITH CASHLESS BENEFIT DOWNLOAD LIST OF HOSPITALS WITH CASHLESS BENEFIT

    what does it provide?

    • A monthly pension or a lump sum so you can rest easy
      A monthly pension or a lump sum so you can rest easy

      You will receive a monthly pension starting from your chosen retirement age for a period of 10 to 30 years. In the event of your death or if you are unable to make payments due to a Total and Permanent Disability, we will continue paying the premiums on your behalf, ensuring you or your loved ones a monthly pension from the chosen retirement date. 

      You also have the option of withdrawing a lump sum at the end of the maturity period which makes AIA Pensions Premier Gold one of the most flexible retirement plans in the market.

    • 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.

    • A Life Cover that suits you
      A Life Cover that suits you

      AIA Pensions Premier Gold offers you the option to select the amount of protection you need to ensure those you may leave behind are taken care of in your absence.

    • Critical Illness Cover
      Critical Illness Cover

      Don't let a critical illness spoil your retirement life. We will provide financial assistance for you for 22 listed critical illnesses. What's more, you could opt to cover your spouse as well.

    • Loyalty reward
      Loyalty reward

      Financial commitments can be difficult. That's why we reward your commitment on the 10th Policy Anniversary with a Loyalty Reward, which could go up to 400% of your Annual Basic Premium. All you have to do is make sure you make each premium payment on time.

    • Decide on your payment frequency
      Decide on your payment frequency

      You can decide to pay your premium either monthly, quarterly, half yearly or annually. The minimum annual premium is LKR 15,000.

      You may also top up your account anytime during the Policy Term with a minimum of LKR 25,000.

      Terms and Conditions Apply

    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 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 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.

    • 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.

    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 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 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.

    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 pensions plus

    Retirement

    You have worked hard to become very successful at a young age. Now you have earned the right to sit back and reflect on your life achievements.

    Product link missing

    +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.

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    About 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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