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

Insurance

Asked by Charmaine Ng

Updated 3w ago

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
Updated 3w ago

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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Simon Goh
Simon Goh

17 Aug 2018

Hi all, I browsed through aia website, but can't find any pa plans that offers the vitality program
Cherie Julianne Tan
Cherie Julianne Tan

17 Aug 2018

The vitality program is open to all AIA policyholders. You can check it out here. https://www.aiavitality.com.sg/memberportal/how_to_join
JianHao Soo
JianHao Soo,
Level 4. Prodigy
Updated 3w ago

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
Zul Idham

11 Nov 2018

I've just checked the aia website. Limited policies attached to aia vitality. Personal accident no longer has aia vitlty
Lee Shan Shan
Lee Shan Shan,
Level 3. Wonderkid
Updated 3w ago

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
Charmaine Ng

16 Aug 2018

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!
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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Vinc Tay
Vinc Tay,
Level 3. Wonderkid
Updated on 01 May 2019

You can get AIA PA, then drop your Pru PA. (Or hold both if you like lol.) Remember to have the new one in-effect before you cancel the other one, so you do not go without coverage. Personal Accident policies do not require underwriting, hence you can buy like you are subscribing to Spotify.

While reimbursements you will have to choose either to claim, the sum assured actually adds up in event of death etc.

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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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Zul Idham
Zul Idham,
Level 2. Rookie
Updated 3w ago

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

1 comment

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Charmaine Ng
Charmaine Ng

12 Nov 2018

Hahaha yeah, this question was asked some time back. I've got my AIA triple cover plan. Thank you so much.. for those who are interested to find out the eligible policies; please find it here: https://www.aia.com.sg/en/our-products/aia-vitality.html
Gabriel Tan Jun Wei
Gabriel Tan Jun Wei,
Level 3. Wonderkid
Updated 3w ago

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
Charmaine Ng

16 Aug 2018

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.
Gabriel Tan Jun Wei
Gabriel Tan Jun Wei

17 Aug 2018

If you need a quote 😁, you can email me at [email protected]
Derek Koo
Derek Koo,
Level 3. Wonderkid
Updated 3w ago

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
Charmaine Ng

16 Aug 2018

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!
Paul Sherwin Ang
Paul Sherwin Ang,
Level 2. Rookie
Updated on 03 May 2019

I am currently with the AIA Solitaire personal accident plan just solely for AIA Vitality, and that plan is actually pretty good for people who play sports regularly, as it covers physical injuries from sports, from ambulance to outpatient procedures. It even covers food poisoning incidents, and TCM sessions relating to injuries! I was so amazed by it that I upped the plan under my own discretion.

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Jian Xiong
Jian Xiong,
Level 2. Rookie
Answered on 03 May 2019

Glow of life

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Good Day Every Day
Good Day Every Day,
Level 6. Master
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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