AIA Unveils 'On Your Side' Critical Illness Protection Series Featuring Multiple First-in-Market Coverages

Flexible and Precise Protection Solutions Supporting Customer Health Needs at Different Life Stages

• Introduces On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift ^# , designed for parents, expectant parents and individuals seeking extensive coverage.

• Launches Essence – On Your Side Insurance Plan, offering essential critical illness protection for budget-conscious customers.

HONG KONG SAR - Media OutReach Newswire - 21 November 2025 - AIA Hong Kong & Macau announces the launch of its new "On Your Side" Critical Illness Protection Series products, offering customers flexible and caring health protection solutions tailored to the diverse needs across different life stages.


According to a survey conducted by AIA^@, more than half of the parents and individuals planning to have children are concerned about their children developing childhood cancer. Additionally, more than 40% expressed worries about their children potentially suffering from conditions such as Down Syndrome, Attention Deficit / Hyperactivity Disorder (ADHD). They said their greatest concern is that if their children were unfortunately diagnosed with these illnesses, the high medical and caregiving expenses would become a financial burden.

The On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift ^# (collectively referred as "On Your Side Insurance Plan 2 series") covers 115 diseases including critical illnesses, early stage critical illnesses and severe child diseases and provides up to 10 additional claims in total for designated diseases¹, with the maximum total benefit reaching up to 1,100% of the Initial Sum Assured², helping customers face long-term health challenges with greater confidence. To better meet the protection needs of children, the First Gift ^# edition has been further enhanced with first-in-market* benefits, including Waiver of Premium for Down Syndrome^ and Cord Blood Stem Cell Transfusion Benefit^, offering families more extensive coverage. The series also introduces a first-in-market* Top-up Premium Payment Option¹¹ and Top-up Premium Protector, allowing customers to choose a premium payment option according to their own financial situation at the time of application, thereby enhancing financial flexibility. To further support the insured during critical illness treatment, AIA extends a suite of value-added services to its critical illness insurance products for the first time, including Hong Kong insurance industry-first Care Concierge*³ and One-Stop Oncology Service⁴, offering multi-faceted health support to help customers navigate their treatment journey with peace of mind.

For budget-conscious customers seeking basic critical illness protection, AIA introduces the Essence – On Your Side Insurance Plan. This plan covers 58 critical illnesses and provides the Big 3 Critical Illness Shield Benefit¹⁴, which includes a one-time additional claim for cancer, heart attack or stroke. In addition, additional payment up to 40% of the Initial Sum Assured will be paid as the Prime Age Critical Illness Extra Coverage Booster¹⁵ when the Critical Illness Benefit or Big 3 Critical Illness Shield Benefit is paid during the Designated Period¹⁵, providing stronger support for the insured during their prime years.


Ms Alice Liang, Chief Proposition & Healthcare Officer of AIA Hong Kong & Macau, said, "Thanks to advancements in medical technology, critical illnesses are no longer necessarily terminal. However, as life expectancy increases, so does the time people may live with illness, and the likelihood of facing multiple critical illnesses over a lifetime. That's why critical illness protection is no longer optional, but an essential safeguard that stands by customers and their families through prolonged health challenges. The need for sustained financial support has never been greater.

The newly launched flagship On Your Side Critical Illness Protection Series is thoughtfully designed to meet the diverse needs of different customer segments. The On Your Side Insurance Plan 2 series is tailored for those seeking extensive coverage, with the First Gift edition enhancing protection for severe childhood diseases. Through our promotional offer5, which includes 'Personal Medical Case Management Services with Rehabilitation Management', we help families connect with paediatric care professionals, with an aim to give families greater confidence and peace of mind when facing the unknown.

On the other hand, the Essence – On Your Side Insurance Plan offers essential critical illness protection, with additional coverage for the three major illnesses: cancer, heart attack, and stroke, is ideal for customers who are more budget-conscious and seek value for money.

For the first time, we are also extending value-added services to our critical illness products, delivering personalised medical support that accompanies customers through every step—from diagnosis and treatment to recovery—helping people live Healthier, Longer, Better Lives."

The promotional offer⁵ providing complimentary Personal Medical Case Management Services with Rehabilitation Management is available to the eligible insured of On Your Side Insurance Plan 2 – First Gift ^# for the first two policy years. These services are designed to help families receive prompt support from professional medical teams as needed, along with administrative assistance for access to paediatric services (including private services at the Hong Kong Children's Hospital¹⁶).

AIA has always been committed to caring for children's physical and mental well-being. Following previous initiatives such as hosting a carnival for patients and their families at the Hong Kong Children's Hospital and making a donation to support the hospital's activities, AIA is now further enhancing its health support for children in Hong Kong, demonstrating its long-term commitment to society.

Key Product Features and Value-added Services:

On Your Side Insurance Plan 2	On Your Side Insurance Plan 2 – First Gift
Designed for customers seeking extensive critical illness protection	Targeted at expectant mothers aged 18 to 45 and their newborns#
Extensive critical illness protection: Covers 115 diseases6: Including 58 critical illnesses, 44 early stage critical illnesses and 13 severe child diseases. ICU Protection Benefit6: Provides 2-tier protection for stays in the Intensive Care Unit (ICU) resulting from health issues beyond critical illnesses (including infectious diseases and injuries). First-in-market* Double Early Stage Critical Illness Payout Benefit6: If the insured is diagnosed with an early stage critical illness at age 65 or above and after the policy is paid up, and if no advance payment has been paid under the policy, an advance payment will be paid as the Double Early Stage Critical Illness Payout Benefit alongside the Early Stage Critical Illness Benefit. 10X Multiple Critical Illness Benefit6: Provides up to 10 additional claims2 in total for cancer, heart attack, stroke, Alzheimer's disease / Irreversible organic degenerative brain disorders, and Parkinson's disease. 10% extra cover: For insured aged 18 or above who joins AIA Vitality18 to become a member, the insured will have a 10% extra cover for the first year for life protection or major illness benefit right from the start of the policy of On Your Side Insurance Plan 2. Extensive protection of child diseases: (Only applicable to On Your Side Insurance Plan 2 - First Gift) Caring benefit: First-in-market* Waiver of Premium for Down Syndrome7, first-in-market* Cord Blood Stem Cell Transfusion Benefit8, and Severe Jaundice Benefit9. Five juvenile diseases under Child Development Protector6,10: Angelman Syndrome, Attention Deficit / Hyperactivity Disorder (ADHD), Tourette Syndrome, Marble Bone Disease, and Severe Epilepsy. Flexible financial arrangements: First-in-market* Top-up Premium Payment11 and Top-up Premium Protector6: In addition to the option of paying regular premiums throughout the premium payment term, a top-up premium can also be paid together with regular premiums at policy inception, which will lower the total premiums payable and to be protected under the Top-up Premium Protector in the first 5 policy years. First-in-market* Waiver of Premium on Death (Parents)12: If the policy has been in force for at least 2 years, in the unfortunate event that the parent of an insured child (who must either be the policy owner or contingent owner of the policy) passes away before age 75, the insured child will continue to enjoy the protection under the basic policy without having to pay the balance of regular premiums under the basic policy until the insured child reaches the age of 25. First-in-market* Waiver of Premium on Death (Spouse)13 : If the On Your Side Insurance Plan 2 policy has been in force for at least 2 years, in the unfortunate event that the insured's spouse, who must be either the policy owner or beneficiary (whether as the sole beneficiary or one of the beneficiaries) of the policy, passes away before age 75, the insured will continue to enjoy the protection under the basic policy without having to pay the balance of regular premiums under the basic policy. Health value-added services: (first extended to AIA's critical illness insurance products) Hong Kong insurance industry-first Care Concierge* 3: A one-on-one Service Ambassador will provide the eligible insured personalised support throughout their healthcare journey in Chinese Mainland. It covers online family doctor service and medication delivery, as well as seamless, one-stop medical coordination such as Medical Companion Service, Priority Outpatient Booking Service, and Priority Inpatient Booking Service, as well as medical home visit service for the eligible insured's parents. One-Stop Oncology Service4: It connects the eligible insured to integrated oncology treatments and services in Hong Kong. A dedicated Service Ambassador will guide the eligible insured throughout the journey – connecting them with a multi-disciplinary team of medical specialists, and consolidating the proposed treatment plan and estimated medical expenses.

Essence - On Your Side Insurance Plan

Designed for budget-conscious customers seeking essential critical illness protection

1+1 Health Shield Integration: Covers 58 critical illnesses6. It also provides the Big 3 Critical Illness Shield Benefit14, which includes a one-time additional claim for cancer, heart attack or stroke. Extra Coverage Booster: Additional payment up to 40% of the Initial Sum Assured will be paid as the Prime Age Critical Illness Extra Coverage Booster15 when the Critical Illness Benefit or Big 3 Critical Illness Shield Benefit is paid during the Designated Period15. In the event of the death of the insured, an additional payment of up to 40% of the Initial Sum Assured will be made to the beneficiary of the policy under the Whole Life Extra Coverage Booster for Death17. Rare-in-market Extension of Grace Period Benefit18: The grace period for late premium payment can be extended from 31 days to up to 365 days if one of the specified events occurs to the policy owner during the premium payment term, including involuntary unemployment, marriage, parenthood, divorce, relocation or purchasing a residential property. Health value-added services (first extended to AIA's critical illness insurance products): One-Stop Oncology Service4 connects the eligible insured to integrated oncology treatments and services in Hong Kong. A dedicated Service Ambassador will guide the eligible insured throughout the journey – connecting them with a multi-disciplinary team of medical specialists, and consolidating the proposed treatment plan and estimated medical expenses. 10% extra cover: For insured aged 18 or above who joins AIA Vitality19 to become a member, the insured will have a 10% extra cover for the first year for life protection or major illness benefit right from the start of the policy of Essence - On Your Side Insurance Plan.

All information above is for reference only and does not constitute any offer and/or insurance product recommendation. The product information in this material does not contain the full terms of the policy, for the details of the product features, terms and conditions, exclusions and key product risks, please refer to the product brochure and policy contract of relevant products or visit the AIA Hong Kong's website. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. Life insurance policies are long-term contracts of insurance. Should you surrender the policy early, you may receive an amount considerably less than the total amount of premiums paid. You may choose to purchase the above Plan(s) as a standalone plan without purchasing other type(s) of insurance products at the same time.

Hashtag: #AIAHongKong

The issuer is solely responsible for the content of this announcement.

About AIA Hong Kong & Macau

AIA Group Limited established its operations in Hong Kong in 1931. To date, AIA Hong Kong and AIA Macau have about 18,000 financial planners¹, as well as an extensive network of independent financial advisors, brokerage and bancassurance partners. We serve over 3.6 million customers², offering them a wide selection of professional services and products ranging from individual life, group life, accident, medical and health, pension, personal lines insurance to investment-linked assurance schemes with numerous investment options. We are also dedicated to providing superb product solutions to meet the financial needs of high-net-worth customers.

¹ As at 30 June 2025
² Including AIA Hong Kong and AIA Macau's individual life, group insurance and pension customers (as at 30 June 2025)

News Source: AIA Hong Kong