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

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

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).

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.

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.