Protect Your Future with AIA Multi-Pay CI Plus: Comprehensive Critical Illness Coverage
Are you worried about the financial impact a critical illness could have on your family and your well-being?
Do you seek a plan that provides continuous care and financial stability, even when faced with serious health challenges?
Introducing AIA Multi-Pay CI Plus, designed to offer you profound peace of mind through extensive critical illness coverage. This innovative plan combines the powerful benefits of the AIA Multi-Pay CI rider and the AIA Total Care rider, ensuring you and your loved ones are protected at every stage of illness, including during recovery.
Key Benefits of AIA Multi-Pay CI Plus:
• Exceptional Coverage Limits:
◦ The AIA Multi-Pay CI rider offers a maximum total benefit of up to 1,000% of your sum assured.
◦ The AIA Total Care rider provides an additional maximum total benefit of up to 200% of your sum assured.
◦ For the three severe-stage critical illnesses that are most prevalent in Thailand – Invasive Cancer, Acute Heart Attack, and Major Stroke – the plan can provide benefits reaching up to 800% of the sum assured.
• Repeated Payouts for Critical Illnesses:
◦ AIA Multi-Pay CI Plus offers repeatedly paying benefits for critical illnesses.
◦ It covers early to intermediate stage critical illnesses with benefits payable up to a maximum of 5 times.
◦ Coverage for severe stage critical illnesses is available for up to a maximum of 6 times.
• Relapsed Critical Illness Benefits (NEW!):
◦ The plan provides repeated and doubled benefits for Invasive Cancer, Acute Heart Attack, and Major Stroke.
◦ You can receive an additional 100% of the sum assured, up to one time per illness, for relapsed conditions, including:
▪ Persistent Cancer, Metastatic Cancer, Recurrence Invasive Cancer, or a New Primary Invasive Cancer (under specific conditions and waiting periods).
▪ Recurrence of Acute Heart Attack or Major Stroke (as a new illness, after a 1-year no-claim period from the first diagnosis).
• Comprehensive Care Beyond General Illnesses:
◦ AIA Multi-Pay CI Plus covers critical illnesses across all stages of illness, from severe conditions to non-critical illnesses, and even new emerging diseases.
◦ Major Impact Benefit (MIB): A significant one-time lump sum payment for severe conditions or treatments, such as an ICU stay of at least 5 consecutive days, major surgery requiring general or regional anesthesia, or major organ failure.
◦ Continuing Care Benefit (CCB): This unique benefit provides both a one-time payment and monthly payments for 60 consecutive months. It specifically covers 8 critical illnesses that impact independent living, including Alzheimer’s Disease, Parkinson’s Disease, and Total and Permanent Disability (TPD).
• Waiver of Rider Premium (NEW!):
◦ The premiums for both the AIA Multi-Pay CI rider and the AIA Total Care rider can be waived if you are diagnosed with a severe stage critical illness or an illness/injury causing a Major Impact Benefit or Continuing Care Benefit under specific terms and conditions. This feature helps alleviate your financial burden during a challenging time.
• Personal Medical Case Management (PMCM):
◦ If your critical illness coverage from the AIA Multi-Pay CI rider is 3 million baht per life or more, you are eligible for complimentary Personal Medical Case Management services. This service is provided by Teladoc Health, an independent third-party company.
• AIA Vitality Integration:
◦ Both the AIA Multi-Pay CI rider and AIA Total Care rider are integrated with AIA Vitality, allowing you to unlock additional benefits under the program’s conditions.
• Tax Benefits:
◦ A portion of health insurance premiums, if they meet certain conditions, is eligible for personal income tax deduction in accordance with the Revenue Department’s criteria.
• Long-Term Protection:
◦ The policy is available for issue for ages 15 days up to 75 years old and is renewable until 98 years old
Important Notes and Recommendations:
• Policy Understanding: The applicant is strongly advised to study and thoroughly understand the benefit illustrations before purchasing the insurance. After receiving the policy, please study the details and the terms and conditions as specified in the policy contract.
• Truthful Disclosure: It is the applicant’s duty to provide true information when applying for insurance. Any concealment of truth or declaration of false statements may result in the insurance company cancelling the policy.
• Renewable Rider: This is a renewable one-year rider term insurance policy. Upon renewal, the Company reserves the right to adjust the premium rate at policy anniversary, taking into account various factors such as the insured’s age, occupational class, and historical claim payments, subject to the approval of the Registrar.
• Waiting Period: The company will not cover critical illness benefits, Major Impact Benefits, or Continuing Care Benefits within 60 days after the effective date of this rider or its latest reinstatement/additional sum assured approval.
• Exclusions: Some exclusions apply, such as disorders confirmed to be related to critical illness existing before the contract’s effective date, suicide or self-inflicted injury, and HIV Positive or AIDS.
