Our Services Offered

🔹 AIA Smart Wealth

A complete financial solution to build, manage, and protect your wealth.

• ✅ Life Protection
  Receive up to 50× your annual premium as a life cover benefit for your loved ones.

• ✅ Guaranteed Dividends
  Earn guaranteed dividends annually to grow your savings steadily.

• ✅ Loyalty Rewards
  Get rewarded with up to 450% of your annual premium at maturity.

• ✅ Premium Protection
  If you pass away or face a critical illness, AIA continues to pay your premiums, ensuring your benefits remain protected.

• ✅ Accident & Disability Coverage
  Extra protection in case of an accident, disability, or hospitalization.

• ✅ Emergency Cash Access
  Withdraw up to 15% of your fund value after completing your premium term.

• ✅ Flexible Payout Options
  Choose a monthly income or a one-time lump sum at maturity, based on your financial goals.

• ✅ Dividend Booster
  Receive a 30% bonus on your annual dividend rate when you select the monthly income option.

• 🏦 Build Wealth with Guaranteed Returns
  Earn guaranteed dividends every year while your fund grows securely.

• 🛡️ Protect What Matters Most
  Your loved ones receive life and accident benefits — up to 50× your annual premium.

• 🎁 Loyalty Rewards That Pay Off
  Enjoy loyalty bonuses of up to 450% of your total premium at maturity.

• 💰 Flexible Maturity Options
  Choose a lump sum payout or receive a monthly income stream for long-term stability.

• ♻️ Premium Protection
  If you face a life-altering event, AIA steps in to continue your policy on your behalf.

• 🆘 Emergency Withdrawals
  Access up to 15% of your fund after completing your payment term — just in case.

• 💹 Boosted Dividends
  Earn a 30% dividend bonus if you choose the monthly income option.

Ramesh, a 40-year-old businessman, chose the 6 Pay Smart Wealth plan.

In the 3rd year, he unfortunately passed away due to an accident.
AIA paid his family Rs. 2.5 million in life cover and another Rs. 2.5 million as accident benefit.
Even better, AIA continued the policy on his behalf.
At maturity, his family will still receive the full monthly income he originally planned for them.

💰 Key Benefits of AIA Smart Wealth

💡 Why Choose AIA Smart Wealth?

👤 Real Life Example

🔹 AIA Smart Pensions Plus

Global Health Protection for You and Your Family

• ✅ Monthly Pension or Lump Sum
  Choose to receive your pension fund as a monthly income (for 5 to 30 years) or a one-time lump sum.

• ✅ Pension Booster
  Get 30% more than the annual dividend rate if you select the monthly pension option at maturity.

• ✅ Guaranteed Annual Dividends
  Enjoy a guaranteed 8% minimum annual dividend, with potential for higher returns.

• ✅ Loyalty Rewards
  Earn up to 1,650% of your annual basic premium as a reward at the end of your policy term.

• ✅ Life Insurance Benefit
  Provides financial security to your loved ones in the event of your passing.

• ✅ Accident & Disability Coverage
  Additional protection for permanent or partial disability due to accident or sickness.

• ✅ Health Benefits Add-ons
  Add extra coverage such as critical illness, hospitalization, maternity care, and more.

• ✅ Family Protection Options
  Include your spouse and children with separate or family-based coverage.

• ✅ Premium Protection Benefit
  If you become disabled or pass away during the premium-paying term, AIA will pay your premiums.

• ✅ Emergency Fund Access
  Withdraw up to 15% of your fund value after the 3rd policy year if needed.

• ✅ Funeral Expense Benefit
  Receive up to Rs. 500,000 if you pass away during the pension receiving period.

Pramod, age 35, plans to retire at 55. He pays Rs. 100,000 annually for 20 years.

At retirement, his pension fund grows to over Rs. 5.5 million.

He chooses to receive a monthly income for 15 years —
and earns up to Rs. 155,000/month with the Pension Booster.

If Pramod passes away during the policy,
his family receives Rs. 6 million in Life + Accident benefits,
and AIA continues the pension for his family.

💰 Key Benefits of AIA Smart Pensions

💡 Why Choose AIA Smart Pensions Plus?

• 🔒 Secure Your Retirement
  Enjoy financial freedom and stability throughout your retirement years.

• 💰 Steady Monthly Income
  Receive a growing monthly pension for up to 30 years — or take a lump sum if you prefer.

• 🏆 Loyalty Rewards That Multiply Your Savings
  Get rewarded for your commitment with up to 1,650% of your annual premium added to your fund.

• 👨‍👩‍👧‍👦 Protect Your Loved Ones
  Life, accident, and disability benefits ensure your family is taken care of even if something happens to you.

• 🏥 Optional Health Benefits
  Add Health Passport and other health protections for yourself and your family.

• 📉 Premium Protection
  If you're unable to continue paying due to disability or death, AIA continues the policy for you.

• 📈 Guaranteed Annual Growth
  Your pension fund grows each year with guaranteed and declared dividends.

• 💡 Emergency Flexibility
  Access part of your savings after year 3 if needed.

👤 Real Life Example

🔹 AIA Health Passport

Global Health Protection for You and Your Family

• ✅ Global Hospitalisation Cover
  Up to Rs. 50 million in medical expenses including room charges, medicine, and treatments.

• ✅ Covers Family Members
  Add your spouse, children, and even your parents under the same plan.

• ✅ Pre & Post-Hospitalisation Expenses
  Covers costs 30 days before and after admission (up to 5% of cover).

• ✅ Maternity Benefits (Optional)
  Up to Rs. 200,000 for delivery expenses on Rs. 1M+ plans.

• ✅ Dental & Ayurvedic Coverage
  Up to Rs. 50,000 per year for approved treatments.

• ✅ 136 Daycare Surgeries
  Covers a wide range of same-day procedures.

• ✅ Ambulance & Admission Charges
  Rs. 20,000 for ambulance services and Rs. 5,000 for hospital admission.

• ✅ Wellness Benefit
  Rs. 50,000 for annual health check-ups (for Rs. 1M+ plans).

• ✅ Government Ward Benefit
  Get daily cash (up to Rs. 25,000) if admitted to a non-paying government ward.

• ✅ Organ Donor Coverage
  Covers hospitalization costs of organ donors.

• ✅ Reinstatement Benefit
  Full benefit amount is refilled once per year if hospitalization is unrelated.

• ✅ No Claim Privilege (NCP)
  Increase your coverage by 25% for every claim-free year (up to 100%).

• ✅ Ecosystem Benefits
  Includes 24/7 online doctor consultations, medicine delivery, optical and dental discounts, and more.

• 🏥 Comprehensive Global Coverage
  Protect yourself and your loved ones with hospitalization cover up to Rs. 50 million — locally and internationally.

• 👨‍👩‍👧‍👦 Covers the Whole Family
  Add your spouse, children, and even parents to the same plan for complete peace of mind.

• 💸 Control Over Costs
  Choose deductible options to reduce premiums and customize coverage based on your needs.

• 🌿 Wellness & Preventive Care
  Includes health check-ups, Ayurvedic treatment, and dental benefits to keep you healthy, not just insured.

• 💼 Cashless Benefits & Daily Allowances
  Enjoy added convenience with ambulance cover, hospital admission fees, and daily cash payouts for government ward stays.

• 🎁 No Claim Privilege (NCP)
  Get rewarded for staying healthy — increase your coverage by 25% each claim-free year, up to 100%.

• ♻️ Reinstatement Benefit
  Even if your full benefit is used, it can be refilled once per year for a new condition — no extra cost.

• 🌐 Exclusive Health & Lifestyle Discounts
  Enjoy AIA’s wellness partner perks: online doctor consultations, medicine delivery, vision care, and more.

Dilini, a 33-year-old working mother, chose the Rs. 1,000,000 Health Passport plan to protect her family.

A year later, her child was hospitalised for dengue.
The full medical cost was covered under the plan — including room charges, medicine, and post-hospital care.

Because she didn’t make any claims the previous year, her coverage also increased by 25% through the No Claim Privilege.

She continues her plan with peace of mind, knowing her entire family is protected — even her elderly parents.

🩺 Key Benefits of AIA Health Passport

💡 Why Choose AIA Health Passport?

👤 Real Life Example