Savings
We have the solutions to help you live the dream you wish and protect the ones you care
Investment and protection
Maximum Maturity Age
Issue Age
You can buy this via
We have dreams for which we save to earn a good return. Traditional savings options such as savings accounts and fixed deposits are our first choice. These may not give the best returns for the money you have invested. AIA Savings Plan lets you receive the best of both worlds with an insurance plan and a choice to select your investment options. Just choose an investment strategy that suits you best to earn the returns you desire and stay protected during your policy term.
Investment Linked Solution | Inflation Guard
You have a choice of four investment strategies, namely Cautious, Moderate, Aggressive and Advanced which allows you to invest your Savings Fund in investment options ranging from Treasury Bills to the Stock Market.
We offer you a life cover that could be customized depending on the amount of protection you want for you and your family. This could be between 2 to 15 times the value of your annual basic premium.
You can decide to pay your premium either monthly, quarterly, half yearly or annually. The minimum annual basic premium is LKR 60,000 and the minimum top-up amount is LKR 60,000.
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, 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 you are declared totally and permanently disabled, we will make your premium payments on your behalf so that your family remains protected.
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.
The company does not guarantee the returns of the fund(s) and/or savings benefits of this insurance policy and such returns of the fund(s) and/or savings benefits are subject to the investment risk (in view of the fluctuations in the market prices of the underlying assets) and such investment risks shall be borne by the policy owner.
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;
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.