AIA Critical Protect 100 – Lifelong Protection for Life’s Most Serious Challenges

Protect your health. Secure your future. Live with confidence.

When a serious illness strikes, the emotional toll is heavy — but the financial burden can be even harder to bear. Medical bills, long-term treatments, and income loss can drain years of savings in just a few months. That’s where AIA Critical Protect 100 comes in.

This plan from AIA Philippines, one of the country’s most trusted life and health insurers, provides comprehensive, lifetime protection against over 100 critical illnesses — including cancer, stroke, heart attack, kidney failure, and other major diseases that are among the leading health concerns of Filipinos today.

With AIA Critical Protect 100, you’re not only protected for the unexpected — you’re also rewarded for recovery and healthy living

What Makes It Different

Cash benefit

Upon diagnosis of a covered major or minor critical illness, giving you the freedom to use the money for treatment, medication, recovery, or income replacement.

Life insurance protection

Provides financial support for your loved ones in case of untimely loss.

Recovery Benefit

Even after a major claim, receive 10% of your original coverage every year for 5 years, helping you rebuild your health and finances during recovery.

Lifetime coverage

Lifetime coverage up to age 100, with the option to pay for only 10 years or choose a 20-year payment plan for lighter, more flexible premiums.

AIA Vitality integration

Rewards you for staying healthy — giving you up to 50% more coverage, plus exclusive lifestyle discounts and wellness perks.

Gender-specific coverage

Coverage for cancers affecting men and women, such as breast, cervical, ovarian, uterine, and prostate cancers.

For a personalized proposal and premium quotation, contact Health Fund PH to schedule a consultation.

Sample Computation

For PHP1 Million Life Insurance & Critical Illness Benefit up to age 100, plus PHP500,000 Gender Specific Benefit & Vitality

Age	20-pay	10-pay
0	13,316.13	24,553.12
5	12,788.03	23,610.12
10	14,309.18	26,439.74
15	16,358.17	30,278.31
20	19,477.50	35,565.00
25	22,652.50	41,640.00
30	26,512.50	48,950.00
35	31,397.50	58,277.50
40	37,187.50	69,272.50
45	43,987.50	82,225.00
50	52,105.00	97,630.00
55	56,425.00	110,877.50
60	-	112,920.00

This plan is designed to complement PhilHealth benefits and ease medical expenses for your employees. Minimum number to enroll is 300 employees

With 100-condition coverage built for life’s toughest moments, we help you protect your health, your future, and the people who matter most.

FAQs – AIA Critical Protect 100

What is AIA Critical Protect 100?

AIA Critical Protect 100 is a traditional life insurance plan that provides lifetime protection (up to age 100). It offers cash benefits upon diagnosis of covered critical illnesses and life insurance coverage in case of death. It can be paid in just 10 years, making it a convenient long-term protection plan.

What illnesses are covered under AIA Critical Protect 100?

It covers over 100 critical illnesses, categorized into:

Major Critical Illnesses – e.g. cancer, stroke, heart attack, kidney failure, liver cirrhosis, Alzheimer’s disease, etc.
Minor Critical Illnesses – e.g. carcinoma-in-situ, early-stage cancers, mild kidney disease, minimally invasive heart surgeries, etc.
Juvenile Critical Illnesses – e.g. severe dengue, rheumatic fever with valvular impairment, hemophilia, and Kawasaki disease.
Gender-Specific Cancers – such as breast, cervical, ovarian, uterine, and prostate cancers.

How much coverage can I get?

The Face Amount is the main coverage amount (e.g. ₱1,000,000). You can receive:

100% of Face Amount for a major critical illness or death.
25% of Face Amount (up to ₱250,000) for a minor critical illness, deducted from the total coverage.
Additional cash benefit for gender-specific cancers, equal to 50% of the coverage
Additional & optional recovery fund equal to 10% of the coverage per year for 5 years

How long do I pay for the plan?

You only pay for 10 years or 20 years, but the protection lasts until age 100 — that’s lifetime peace of mind after a decade of payments.

Up to 50% additional coverage based on your AIA Vitality status (Bronze, Silver, Gold, Platinum).
Discounts and rewards from lifestyle and health partners (e.g., gyms, clinics, wellness brands).
Motivation to stay healthy through tracking steps, workouts, and nutrition via the AIA Vitality app.

What happens if I don’t continue my AIA Vitality membership?

You’ll keep your AIA Critical Protect 100 coverage, but you’ll lose the Vitality bonuses — such as the extra coverage percentage and rewards program access.

What are the payment options?

You can pay annually, semi-annually, quarterly, or monthly.

What happens after I file a claim for a minor critical illness?

You’ll receive 25% of your Face Amount in cash, and the remaining 75% will still be available for future major illness or death claims.

Can I make multiple claims?

You can claim once for a minor illness and later for a major illness.

However, after a major illness claim, the policy ends because the full Face Amount has been paid out.

What are the age limits for coverage?

Issue age: 0 to 70 years old
Coverage duration: Until age 100
Some illnesses have age-based limits (e.g. Alzheimer’s, Parkinson’s, and Loss of Independent Existence are covered only up to age 85).

Is there a cash value if I don’t make a claim?

Yes! AIA Critical Protect 100 builds cash surrender value over time. You can surrender the policy later if you choose, or use it as financial backup in emergencies.

What if I change my mind after purchasing?

You have a 15-day free look period after receiving the policy. If you decide it’s not for you, simply return the policy and AIA will refund all premiums paid.

What are examples of major illnesses covered?

Cancer
Stroke
Heart attack
Kidney failure
Liver cirrhosis
Alzheimer’s disease
Parkinson’s disease
Loss of sight, speech, or limbs
Vital organ transplant

What are examples of minor illnesses covered?

Carcinoma-in-situ (early-stage cancer)
Early prostate, thyroid, ovarian, or skin cancer
Minimally invasive heart or liver surgery
Less severe kidney disease

Why should I consider AIA Critical Protect 100?

Because it gives comprehensive protection for the most financially draining illnesses — while rewarding you for staying healthy.

It’s a plan that doesn’t just prepare you for life’s worst — it helps you live your best. 🌱

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