AIA unveils Health Protector

AIA Insurance is promoting ‘Health Protector’, a comprehensive health plan with life insurance, for the entire family.

AIA said no one plans to get sick or hurt, but most people would need medical care at some point. And if that time comes, people want to be well prepared and be able to afford the best medical treatment available, anywhere in the world.  “We owe it to ourselves and to our loved ones who depend on us, to ensure our health is taken care of. That is why AIA Health Protector is specially designed to protect a policyholder and those that matter them most,” AIA said.

AIA CEO Pankaj Banerjee noted: “Medical inflation in Sri Lanka is increasing at an alarming rate with a very large portion of all healthcare expenditure being out-of-pocket and not funded by insurance or government. Also, the health insurance penetration in Sri Lanka is quite low. That is why we want to step in and create a safety net against any unforeseen medical expenses you may face.” 

“With the rise in NCDs and other lifestyle diseases, it is very important to invest in a good health insurance. Not having health insurance or having an inadequate cover can leave you vulnerable with the cost of medical treatment either consuming all the savings or people having to borrow. You must have health insurance that will empower you to do what’s right by your family,” Banerjee added.

With a host of ‘best-in-industry’ benefits, AIA Health Protector provides comprehensive health with life insurance, for the policyholder and their family. A key feature of this product is worldwide coverage (all countries excluding US and Canada) for hospitalisation and surgery, which covers policyholders for up to Rs. 20 million. “The policyholder can rest assured that he or she and the loved ones can get the best treatment in Sri Lanka or overseas,” AIA said.

Policyholders can also enjoy the convenience of cashless hospitalisation at over 60 hospitals in Sri Lanka, so they don’t have to worry about hospital bills during a medical emergency. Pre- and post-hospitalisation expenses directly related to hospitalisation, such as doctors’ appointments and medical tests, are also covered. Additionally, the plan provides a daily cash income of up to Rs. 20,000 a day, which may be used for any unexpected expenses due to hospitalisation or loss of income. 

The policy covers a policyholder for 250 surgeries as well as 136 one-day surgeries, including critical illnesses such as cancer, heart attack, stroke or kidney failure. The policy covers 37 major critical illnesses in total, providing maximum help, AIA said.

In the case of death, the family will receive the policyholder’s Life Benefit and the Health Fund, which will give them the financial security they’ll need for the future. They can also choose to continue the original policy and stay protected.

“The best option is to try to stay healthy, and that is why AIA rewards policyholders for staying healthy, with an attractive ‘No Claim Privilege’ that increases protection for each year that one is free from illness, and doubles the coverage over ten years,” AIA said. Furthermore, when the policy matures, the policyholder will be rewarded with a significant Loyalty Reward which will ensure a larger Health Fund, so the policyholder can continue with comfort even after the policy matures. 

Call 0112 310310 to find out more about this product.