Asked by Charmaine Ng

Looking for a AIA policy that can join the vitality programme at low cost?

What policy should I get from AIA to join AIA Vitality Programme? I already got Prudential Personal Accident, hospitalization etc and do not wish to pay a lot?

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  • Cherie Julianne Tan
    Cherie Julianne Tan
    Level 5. Genius
    Answered on 16 Aug 2018

    Oh dear, I was about to say Personal Accident Plan cheapest plan without all the options available.

    That would be about $17/month..

    Hm..maybe your company's insurance? Hopefully they are under AIA.

    If not, another option would be AIA Glow of Life!

    Its a female critical illness coverage, it is about $18 - 22/month and it comes with free health checkup every 2 years!

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  • Lee Shan Shan
    Lee Shan Shan
    Level 2. Rookie
    Answered on 16 Aug 2018

    You might actually want to look into the benefits of the aia solitaire pa plan vs the prudential pa plan. For example, the pricing of the plans are very similar for the basic plan but for aia you can actually add in an additional riders to get a weekly indemnity benefit of 100 per week. This will be useful when you are injured accidentally and is given a period of Mc to rest.

    In addition, the benefits and discounts of the AIA Vitality would far outweigh the costs of the premiums involved.

    Let me me know if you need further clarifications.

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    • Charmaine Ng
      I noticed that I am paying $14.88/mth for the personal accident plan so if the costs isn't too big of a variance yes; I think I might switch over! Ultimately coverage is most important and the indemnity of $100/week could prove useful. Thank you so much!
      16 Aug 2018
  • JianHao Soo
    JianHao Soo
    Level 3. Wonderkid
    Answered on 15 Sep 2018

    I found a very good loophole to become an AIA viatility member without buying expensive plan. Here's how it works:

    (1) AIA Direct 5 year Term Plan $50k sum assured, no rider, non-smoker, no CI for 25 year old male only cost $46.05 a year, which is $3.83 per month.

    (2) AIA Vitality cost $5 a month.

    Each week, if you meet the inidivual weekly target, you will get $5 voucher - Cold storage/Starbucks. Assuming if you meet the target every week, you will get $20, less $8.38, you will earn $11.62.

    Note that you have to sign up the plan with AIA Customer service directly as there is $0 distribution cost (meaning agent don't earn anything).

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    • Zul Idham
      I've just checked the aia website. Limited policies attached to aia vitality. Personal accident no longer has aia vitlty
      11 Nov 2018
  • Zul Idham
    Zul Idham
    Level 2. Rookie
    Answered on 12 Nov 2018

    I've just checked the aia website. Now only Limited policies attached to aia vitality. Personal accident no longer has aia vitlty.

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  • Gabriel Tan Jun Wei
    Gabriel Tan Jun Wei
    Level 3. Wonderkid
    Answered on 16 Aug 2018

    Your best bet would be AIA Solitare PA or AIA Glow of Life to justify your premiums with the benefits

    However if you still have a gap in your coverage, why not consider other plans AIA has to offer?

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    • Charmaine Ng
      I agree! Am looking at other insurances and plans. One thing I'm lacking is term insurance so I'm actually looking at AIA triple critical coverage plan.
      16 Aug 2018
    • Gabriel Tan Jun Wei
      If you need a quote 😁, you can email me at [email protected]
      17 Aug 2018
  • Brandan Chen
    Brandan Chen, Financial Planner at Manulife Singapore
    Level 5. Genius
    Answered on 16 Aug 2018

    For AIA, I am currently on their hospitalisation plans.

    Since personal accident plans are renewable yearly, guess u can consider switching to AIA after your current term finishes? The vouchers from the Vitality Programme is more than the premiums of the PA plan itself. But that is also provided that you spend about S$40 per month on either Cold Storage or Starbucks (=

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  • Derek Koo
    Derek Koo
    Level 3. Wonderkid
    Answered on 16 Aug 2018

    If you are willing, you could perhaps switch one of your plans over to AIA. That way you are not purchasing an additional policy for the sake of it.

    If for example the AIA PA aia more expensive than your prudential, the benefits from the vitality program should more than make up for the difference.

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    • Charmaine Ng
      That's a great idea! I'm exploring all options before weighing the costs to the pros and cons to make a decision. Thank you!
      16 Aug 2018
  • Jason Sin
    Jason Sin
    Level 5. Genius
    Answered on 30 Nov 2018

    I do not think it is wise to get an insurance policy from AIA because of AIA Vitality. You may want to reconsider your option.

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  • Jim Ng
    Jim Ng
    Level 5. Genius
    Answered on 12 Nov 2018

    Provided that you do not have an existing medical condition:

    You can switch from the Prudential Shield Plan to the AIA Shield Plan, which is largely competitive in terms of the price in the market as well:

    If you are already paying for the Prudential Hospitalisation Plan's cash rider, take note of this:

    With the AIA Max Essential A Saver Rider ( Reduces the cash rider costing), you enjoy saving more on the cash rider portion!

    Compare between Prudential and AIA here:

    https://www.businesstimes.com.sg/sites/default/files/image/2017/07/24/onlineupdated_0.jpg

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