Critical Care Max

Early-stage critical illness support plan

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Critical Care Max

Protect those moments you live for with Critical Care Max, a unit-linked health and life insurance plan that provides financial benefits at the early stages of a critical illness. Focus on recovering and enjoy more moments with your family. It is integrated with AIA Vitality Program which provides an upfront additional coverage of 20% to your policy and any attached add-ons.

Issue age

18 to 65 years old


Whole life

Buy via

BPI AIA Bancassurance Sales Executive


Policy benefits

Optional add-ons

Get additional insurance coverage with these riders

Boost your Accident and Health add-on coverage with the following:

1. Medical reimbursement – reimburse your actual accident-related costs up to a maximum amount
2. Weekly income benefit – receive weekly cash payout in the event of total disability due to an accident

Lost income should be the last thing on your mind. This benefit replaces income lost due to hospital confinement by offering a daily cash benefit with optional benefits that you can choose from cash payout for surgery related expenses, cash allowance to help pay for consultation fees for required outpatient treatments, etc.

Insurance lingo

This is your plan's savings built from investing a portion of your payments to expertly managed funds

A type of life insurance plan where a portion of your payments are placed in investment funds that can grow your money in the long-term

Terms & conditions

This product is a regular-pay, peso-denominated insurance plan which is unit-linked – allowing clients to participate in the potentially high returns from the financial market, with the convenience of placing additional investments through top-ups on a regular or ad-hoc basis. It can be customized and changed over time depending on client’s changing need, with a comprehensive set of unit-linked riders available to provide additional protection benefits.

You have the option to choose a maximum of 3 funds among the 8 available funds. These underlying funds are managed by BPI-Asset Management and Trust Group (BPI-AMTG) and BPI Investment Management Inc. (BIMI):

1. BPI AIA Peso Bond Fund
2. BPI AIA Odyssey Bond Fund
3. BPI AIA Odyssey Balanced Fund
4. BPI AIA Balanced Fund
5. BPI AIA Philippine High Dividend Equity Fund
6. BPI AIA Peso Equity Index Fund 2
7. BPI AIA Growth Fund
8. BPI AIA Odyssey High Conviction Equity Fund

Note: Investment funds listed above are subject to availability upon product availment.

Purchasing a unit-linked life insurance product has its advantages and trade-offs. Investing in a unit- linked product, you must understand that the product may be subject to investment risks which include, but are not limited to interest rate risk, market/price risk, liquidity risk, credit/default risk, reinvestment risk, foreign exchange risk, and country risk which could affect the value of the policy. The Company is guided by Investment Policies and Guidelines in managing these risks; however, this does not guarantee investment returns nor protection against capital loss. To further understand the nature of said risks, a risk disclosure statement is provided in the Client Suitability Assessment Form.

Critical Care Max is a unit-linked insurance plan. This is not a deposit product. Earnings are not assured and principal amount invested is exposed to risk of loss. This product cannot be sold to you unless its benefits and risks have been thoroughly explained. If you do not fully understand this product, do not purchase or invest in it.

Actual terms and conditions of Critical Care Max are found in the Policy. In case of conflict, the Policy terms shall prevail.

The financial products of BPI AIA Life Assurance Corporation are not insured by the Philippine Deposit Insurance Corporation and are not guaranteed by the Bank of the Philippine Islands.

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