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Health
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  • {{title}}

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  • Vitality

    Total Care Max

    Health

    Period

    UP TO 100 years old

    Issue Age

    0 - 60 years old

    You can buy this via

    BPI AIA Bancassurance Sales Executive

    Accident Pro Prime

    What is the product about?

    A total protection solution and investment-linked life and health insurance that offers better value for your money, so that you and your loved ones can focus on what matters most.

    • share with a friend share with a friend

    FEATURES & BENEFITS

    • CRITICAL PROTECT 80
      CRITICAL PROTECT 80

      You will receive a cash benefit when diagnosed with any of the covered 57 Major Critical Illnesses up to 80 years old. 

    • MINOR CRITICAL ILLNESS 80
      MINOR CRITICAL ILLNESS 80

      You will receive a cash benefit when diagnosed with any of the covered 34 Minor Critical Illnesses up to 80 years old. You can receive 25% of the Critical Protect 80 cash benefit in advance after diagnosis.

    • JUVENILE CRITICAL ILLNESS COVERAGE
      JUVENILE CRITICAL ILLNESS COVERAGE

      Ensure that your little ones get access to the best medical care in case of serious illness, without worrying about funds. 

    • LIFE INSURANCE BENEFIT
      LIFE INSURANCE BENEFIT

      Protect your family with a life insurance benefit. BPI AIA will provide a lump sum cash benefit to your family.

    • DAILY HOSPITAL INCOME BENEFIT
      DAILY HOSPITAL INCOME BENEFIT

      Get a cash benefit for each day of confinement.

       

    • FUND FOR FUTURE HEALTH CARE NEEDS
      FUND FOR FUTURE HEALTH CARE NEEDS

      Build a Health Fund that accumulates over time depending on the performance of your chosen investment funds. 

    • AIA VITALITY
      AIA VITALITY

      Total Care Max can also help you live a healthier lifestyle. Plus, you'll even get rewards just by staying active! 

    Insurance Lingo Explained

    What is Life Insurance?

    A lump sum payment, known as a death benefit, that the insurance company provides to beneficiaries upon the insured's death.


    What is Premium?

    This is the cost of your insurance policy and may be paid monthly, quarterly, semi-annually, or annually.


    What is AIA Vitality?

    AIA Vitality is a unique science-backed wellness programme that rewards the insured when he/she take steps to be healthy.

    THE FINE PRINT


    DETAILED TERMS AND CONDITIONS

    DETAILED TERMS AND CONDITIONS
    - COLLAPSE + EXPAND

    IMPORTANT NOTES

    Total Care Max is an peso-denominated unit-linked insurance product that packaged with Critical Illness and Waiver of Premium for Critical Illness riders. Total Care Max product is available in 20-years, 10-years and Pay-to-age-65 pay variant, with the convenience of placing additional investments through Top-Ups.Total Care Max product will be integrated with Vitality.

    With Total Care Max, you can build your savings and put all your energy and focus on achieving your life goals. You may choose a maximum of 2 funds among the 2 available funds -

     * BPI-Philam Peso Bond Fund

     * BPI-Philam Equity Index Fund 2

    These underlying investment funds are being managed by BPI Asset Management and Trust Corporation (BPI-ATMC).

    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 the said risks, a risk disclosure statement is provided in the Client Suitability Assessment Form.

    Payment of benefits are subject to the terms, conditions, definitions, exclusions, and limitations found in the policy contract.

    The Policy will terminate in the event of any of the following:

     - Upon death of the Insured

     - Upon reaching age 80 of the Insured

     - Upon non-payment of premiums

     - Upon written notice to terminate the Policy

    Actual terms and conditions of MedLife Protect Plus are found in the Policy. In case of conflict, the Policy terms shall prevail.

    REMINDER ON PRE-EXISTING CONDITIONS AND FREE-LOOK PERIOD

    • Upon receiving the policy contract, you may refer to the document for full details on the critical illness/terminal illness definitions, exclusions including the pre-existing conditions, and other limitations. If you decide that this plan is not suitable to your needs after reading the policy contract, simply return the document to BPI AIA within fifteen (15) days from the date you or your authorized representative received it and we will refund the Account Value plus the Policy Charges that have been deducted.

      Upon receiving the policy contract, you may refer to the document for full details on the critical illness/terminal illness definitions, exclusions including the pre-existing conditions, and other limitations. If you decide that this plan is not suitable to your needs after reading the policy contract, simply return the document to BPI AIA within fifteen (15) days from the date you or your authorized representative received it and we will refund the Account Value plus the Policy Charges that have been deducted.

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

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