On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2

Life Insurance - Critical Illness Protection

Underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)

With love and care, from the first step to every step

CULTIVATING TRANQUILLITY TOGETHER IN LIFE’S UNPREDICTABLE JOURNEY

We must prepare to face risks and threats at any life stage

Evolving health threats make it difficult to predict when critical illnesses or physical problems will arise, regardless of our age. Unforeseen health issues can occur at any time. This is why it is essential to secure protection against various health risks and needs at every stage, leading to a fulfilling life for yourself and your loved ones.

Look forward to living each stage of life to the fullest with you and your loved ones

On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift empowers you to embrace all life stages as your critical illness protection needs evolve - from building up your coverage in your youth to providing support as you start a new family. Additionally, the top-up premium payment option provides flexibility on payment of premiums while the value-added services help build a strong health shield.

Master of your own

Fundamental protection throughout your life

Cover 58 critical illnesses (including 57 major illnesses and 1 minor illness), 44 early stage critical illnesses and 13 severe child diseases
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-market¹⁰Double Early Stage Critical Illness Payout Benefit
10X Multiple Critical Illness Benefit
Continuous Cancer Income Option
Lifelong Alzheimer / Parkinson Annuity Benefit

Master of your home

Strong support of your loved one

• First-in-market¹⁰ Waiver of Premium for Down Syndrome^{^}
• Severe Jaundice Benefit^{^}
• Cover juvenile disease under Child Development Protector^{^} such as Angelman Syndrome, ADHD and Tourette Syndrome
• First-in-market¹⁰Cord Blood Stem Cell Transfusion Benefit^{^}
• First-in-market¹⁰ Cover for critical illness caused by undetected congenital conditions
• First-in-market¹⁰ Waiver of Premium on Death (Parents)
• First-in-market¹⁰ Waiver of Premium on Death (Spouse)^#

^{^} Only applicable to On Your Side Insurance Plan 2 – First Gift
^# Only applicable to On Your Side Insurance Plan 2

On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift is a participating insurance plan that offers life insurance and critical illness protection. It offers guaranteed cash value and non-guaranteed Terminal Bonus. Terminal Bonus is a non-cumulative, non-guaranteed bonus and may be declared at least once per year after the basic policy has been in force for 5 years, based on a number of factors, including but not limited to investment returns, claims experience and other factors, and the detailed list of these factors are set out in the “Bonus Philosophy” section under “Important Information”.

First-in-market¹⁰ Better financial planning with top-up premium payment

• Lower total premiums paid and higher guaranteed returns in early policy years plus protection under Top-up Premium Protector

Note: Once top-up premium payment option is selected, it cannot be cancelled or changed. For the differences between the two premium payment options (including returns, benefits and premium amounts), please refer to the respective benefit illustrations.

Extra care supports to critical illness

• Hong Kong insurance industry-first¹⁰ Care Concierge^~
Dedicated concierge connects you to a suite of healthcare and support services in mainland China

• One-Stop Oncology Service^~
Support continuous professional care all along in your recovery journey

^~ Each of Care Concierge and One-Stop Oncology Service is additional value-added service, which is not guaranteed and subject to the respective terms and conditions thereof, and does not form part of the contractual benefit of On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift. AIA reserves the right to amend, suspend or terminate Care Concierge and One-Stop Oncology Service or any part of the service thereunder (including the service providers, any details or terms and conditions relating thereto) at any time without any prior notice. The services under Care Concierge are provided in mainland China by the designated third party service provider engaged by AIA and not applicable to Hong Kong and Macau region. One-Stop Oncology Service is provided in Hong Kong by the designated third party service provider engaged by AIA and not applicable to Macau region. The multi-disciplinary team of the medical specialists under One-Stop Oncology Service is designated by independent third party service provider and is subject to change from time to time without prior notice.

Please note that the Pre-approval - Medical Expense & Cashless Service and the relevant administrative supports under Care Concierge and One-Stop Oncology Service as set out in the leaflet of each of Care Concierge and One-Stop Oncology Service are not available to be used by the insured of On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift.

For details and the terms and conditions thereof, please refer to the relevant service leaflets and AIA’s website:
• Care Concierge: https://www.aia.com.hk/en/health-and-wellness/healthcare-services/care-concierge

• One-StopOncologyService:https://www.aia.com.hk/en/health-and-wellness/healthcare-services/aia-carepass/one-stop-oncology-service

Master of Your Own

Fundamental protection throughout your life

It is exciting to start building your career and begin financial planning for the future. At this prime stage of life, it is easy to overlook the potential health challenges you may face in the future. Building up your protection from an early age ensures you have a safety net in place, allowing you to focus on your ambitions and financial goals with peace of mind no matter what happens today or tomorrow.

Extensive protection against critical illnesses and ICU stays

In the face of unforeseen health challenges, On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift covers 115 diseases, providing critical illness protection to cater for your evolving health needs.

First-in-market¹⁰Double Early Stage Critical Illness Payout Benefit on or after age 65

If the insured is diagnosed with an early stage critical illness at age 65 or above and after the policy is paid up, provided no advance payment has been paid under the policy, apart from the Early Stage Critical Illness Benefit, we will also pay an advance payment as Double Early Stage Critical Illness Payout Benefit at the same time. The Double Early Stage Critical Illness Payout Benefit is equivalent to the Early Stage Critical Illness Benefit payable, subject to the maximum limit of US$25,000 per policy and the maximum per life limit of the relevant early stage critical illness diagnosed14. The Double Early Stage Critical Illness Payout Benefit can be paid once under the policy. This benefit helps the insured to focus on the road to recovery by providing the financial support needed.

Continuous protection

The Current Sum Assured15 will be reduced by all advance payment(s) paid for major illness, minor illness, early stage critical illness, severe child disease, juvenile disease under Child Development Protector (applicable to On Your Side Insurance Plan 2 – First Gift only) and ICU Protection Benefit, while the balance of regular premiums payable under the basic policy will be reduced accordingly based on the reduced Current Sum Assured15.

Once the total advance payment(s) paid under your policy have reached 100% of the Initial Sum Assured, the balance of regular premiums payable under the basic policy will be waived. Add-on plans (if any) attached to the basic policy will remain in force and continue to provide cover if their respective premiums continue to be paid.

Multiple claims to provide you with peace of mind

Some critical illnesses could impact your living standard and financial stability. The plan’s 10X Multiple Critical Illness Benefit provides you with extra support against serious health challenges including cancer, heart attack, stroke, Alzheimer’s disease / Irreversible organic degenerative brain disorders and Parkinson’s disease.

Once the total advance payment(s) paid under your policy have reached 100% of the Initial Sum Assured, the 10X Multiple Critical Illness Benefit will pay up to 10 additional claims in total for cancer, heart attack, stroke, Alzheimer’s disease / Irreversible organic degenerative brain disorders and Parkinson’s disease. Each claim under the 10X Multiple Critical Illness Benefit is equivalent to 100% of the Initial Sum Assured, and the maximum total benefits payable under the 10X Multiple Critical Illness Benefit is up to 1,000% of the Initial Sum Assured. The cover period of the 10X Multiple Critical Illness Benefit is up to age 85 of the insured.

The Lifelong Alzheimer / Parkinson Annuity Benefit, Coverage Booster, Severe Jaundice Benefit (applicable to On Your Side Insurance Plan 2 – First Gift only) and Cord Blood Stem Cell Transfusion Benefit (applicable to On Your Side Insurance Plan 2 – First Gift only) are in addition to the above maximum limit of 1,100% of the Initial Sum Assured, which ease your financial strain so you can focus on your recovery.

a. Total benefits payable per policy (under major illness benefit and 10X Multiple Critical Illness Benefit):
• For cancer (under major illness benefit, Continuous Cancer Income Option and 10X Multiple Critical Illness Benefit), total benefits cannot exceed 600% of Initial Sum Assured.
• For heart attack and stroke, total benefits cannot exceed 300% of Initial Sum Assured.
• For Alzheimer’s disease / Irreversible organic degenerative brain disorders and Parkinson’s disease, total benefits cannot exceed 100% of Initial Sum Assured. Only 1 claim can be made for either Alzheimer’s disease / Irreversible organic degenerative brain disorders or Parkinson’s disease under each policy.

b. Up to 2 claims for heart attack and 2 claims for stroke.

Continuous Cancer Income Option gives you flexibility

Receiving cancer treatments can be stressful. Once a cancer claim is paid under the major illness benefit or 10X Multiple Critical Illness Benefit, if the insured (i) is still suffering from cancer on or before age 85, and (ii) is still receiving Active Treatment16 for such cancer unless such cancer is a terminal cancer as confirmed by a registered specialist doctor, after a 1-year waiting period^, you can opt to claim a monthly payment of 5% of the Initial Sum Assured under the Continuous Cancer Income Option up to 100 months or up to age 85 of the insured, whichever is earlier. This benefit provides you with the financial support and flexibility needed to manage the ongoing medical expenses and any income loss.

Once any monthly payment under the Continuous Cancer Income Option has been paid, 10X Multiple Critical Illness Benefit will no longer be paid for any cancer under the policy.

^ 1-year waiting period after the diagnosis of the previous cancer (for which payment under the major illness benefit or 10X Multiple Critical Illness Benefit is made). For details, please refer to the “10X Multiple Critical Illness Benefit” section under “Cover at a glance”.

# Since 300% of the Initial Sum Assured has already been paid for cancer, the maximum payable amount under the Continuous Cancer Income Option is up to the remaining 300% of the Initial Sum Assured, which is 60 months.

Lifelong Alzheimer / Parkinson Annuity Benefit to relieve your burden

Alzheimer’s disease and Parkinson’s disease are common degenerative brain disorder diseases. Getting diagnosed early and receiving ongoing treatment may help slow down the progression of the disease17. To ease your worries about potential future care needs, On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift offers a lifelong annuity benefit to support the cost of long-term care for degenerative brain disorders.

Once a claim due to diagnosis of the Alzheimer’s disease / Irreversible organic degenerative brain disorders or Parkinson’s disease on or before age 85 is paid under the major illness benefit or 10X Multiple Critical Illness Benefit, after a 1-year waiting period18, we will pay an additional 6% of the Initial Sum Assured every policy year until the insured passes away or the policy is terminated.

Master of Your Home

Strong support for your loved ones

Starting a family is one of life’s greatest joys. While a new baby brings immense happiness, this also means new responsibilities for breadwinners and parents.

Rare juvenile disease is unpredictable and may strike at any time, which may impact children’s physical and mental development. The Child Development Protector helps your child to face health challenges with peace of mind.

First-in-market¹⁰ On Your Side Insurance Plan 2 – First Gift provides the insured newborn child with critical illness coverage that begins right after birth¹⁹.

Critical illness protection from day one

(applicable to On Your Side Insurance Plan 2 – First Gift only)

An expectant mother who is aged 18 to 45 may apply for On Your Side Insurance Plan 2 – First Gift²⁰ starting from the 22nd week of pregnancy. During the pregnancy stage, On Your Side Insurance Plan 2 – First Gift provides the expectant mother instant protection as set out in the table below. After birth, the newborn child takes over from the mother as the insured of the policy and will be covered by the benefits under On Your Side Insurance Plan 2 – First Gift¹⁹. These benefits include the Severe Jaundice Benefit, the First-in-market¹⁰ Waiver of Premium for Down Syndrome, the Child Development Protectora and the First-in-market¹⁰
Cord Blood Stem Cell Transfusion Benefit.

Pregnancy stage

After birth

Remarks:

a. Under the coverage of Child Development Protector, your insured child will be covered until he / she reaches age 18.

b. “Insured”, who is the person protected under the On Your Side Insurance Plan 2 – First Gift policy, refers to your insured child after birth. The insured of the policy must have been changed from the expectant mother to the newborn child before the Company will process any claims related to the newborn child under the policy.
c. The Cord Blood Stem Cell Transfusion Benefit and Severe Jaundice Benefit can each be paid once only per policy.
d. The total amount of benefits paid for ADHD and Tourette Syndrome under Child Development Protector and Autism under Severe Child Disease cannot exceed 20% of the Initial Sum Assured and is further capped at US$50,000 per life.
e. If the amount of the major illness benefit or minor illness benefit is reduced to 20% of the Initial Sum Assured, any Coverage Booster payable will also be reduced to 20%. For details, please refer to “Cover at a glance”.
f. Within the first 90 days after the insured child’s date of birth, any benefit payable under both tiers of ICU Protection Benefit (including any Coverage Booster payable for 2nd tier ICU Protection Benefit) will be reduced to 20% of the sum otherwise payable and such amount will be further subject to the following limitation: (i) for ICU stay in Hong Kong and Macau, the benefit amount will be capped at US$5,000; (ii) for ICU stay outside of Hong Kong and Macau, the benefit amount will be capped at US$2,500. For details, please refer to “Cover at a glance”.

Note: Only 1 person can be the insured under the On Your Side Insurance Plan 2 – First Gift policy at any given time. If the expectant mother is carrying twins, she is required to apply for a separate On Your Side Insurance Plan 2 – First Gift policy for each fetus. Please refer to point 4 of the “Product Limitation” section on page 38 of this brochure for details. You shall notify the Company of the birth of the newborn child and provide a certified true copy of the newborn child’s birth certificate as soon as possible and by 14 days before the first policy anniversary, otherwise the policy will terminate on the first policy anniversary.

First-in-market¹⁰ Cover for critical illness caused by undetected congenital conditions

Congenital conditions may remain undetected for years and may develop into a critical illness in adulthood. However, typical insurance products often do not cover these eventualities. On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift provides your children with cover for critical illnesses caused by congenital diseases even if symptoms remain undetected upon policy issuance, protecting you from the impact of life-changing discoveries.

First-in-market¹⁰Love for your family will endure

On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift provides you and your loved ones with peace of mind. If the policy has been in-force for at least 2 years, in the unfortunate event that the parent of an insured child (who is either the policy owner or contingent owner) or the spouse of an insured adult (who is either the policy owner or beneficiary) passes away before the age of 75, the balance of regular premiums payable under the On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift basic policy will be waived according to the Waiver of Premium on Death (Parents)^@ or the Waiver of Premium on Death (Spouse)^@ as set out below, which will help ease financial burden while not affecting the coverage and the values of the policy.

^@ The Waiver of Premium on Death (Parents) is only applicable to (i) On Your Side Insurance Plan 2 – First Gift and (ii) On Your Side Insurance Plan 2 with insured under the age of 18 at policy application. The Waiver of Premium on Death (Spouse) is only applicable to On Your Side Insurance Plan 2 with insured aged 18 or above at policy application. For details, please refer to “Cover at a glance”.

* Can be the sole beneficiary or one of the beneficiaries.

First-in-market¹⁰ Better Financial Planning with Top-up Premium Payment

We understand that although everyone has health concerns, not everyone has the same budget. At the start of your policy, you can choose a premium payment structure that aligns with your financial situation and needs. You can either (i) pay regular premiums throughout the premium payment term, or (ii) pay regular premiums during the premium payment term together with a top-up premium paid at policy inception - the total amount of premiums payable will be lower and the guaranteed returns will be higher in the earlier years of your policy under this payment option#, giving you greater control over financial planning.

First-in-market¹⁰ Pay regular premiums together with a top-up premium

Regular premium will be paid together with a top-up premium at policy inception. After the 1st policy year, regular premium will be paid for each policy year throughout the premium payment term.

This option can only be selected at policy application and is only available to policies with annual premium payment mode selected.

# The amount of top-up premium for a policy is determined by us and cannot be adjusted on individual basis. Once top-up premium payment option is selected, it cannot be cancelled or changed. For the differences between these two premium payment options (including returns, benefits and premium amounts), please refer to the respective benefit illustrations.

The above illustrative example is for reference only. The ratio in the above graphs are not proportional and the premium payable is subject to our review from time to time. For details, please refer to the “Premium Adjustment” section under “Important Information”.

Top-up Premium Protector

If you have chosen to pay the top-up premium at policy inception, you will be protected under the Top-up Premium Protector in the first 5 policy years. If any specified benefits* is paid, or the balance of regular premiums of the basic policy is waived pursuant to any of the specified waiver of premiums benefits*, we will pay a Top-up Premium Protector which is up to 100% of the top-up premium paid, subject to the Policy Year Factor Percentage and the Sum Assured Factor Percentage as described below.

* For details of the specified benefits and the specified waiver of premiums benefits, please refer to “Cover at a glance”.

The above illustrative examples are for reference only. For details, please refer to “Premium” section under “Cover at a glance”.

Extra Care Supports to Critical Illness

Extra care supports aim to enhance your health experience, providing you with healthcare and support assistance to help achieving a balanced and fulfilling life.

Hong Kong insurance industry-first¹⁰ Care Concierge

Dedicated concierge support connects you to a suite of healthcare and support services in mainland China

Care Concierge^~ offers Hong Kong insurance industry-first¹⁰ healthcare support in mainland China that integrates (i) dedicated concierge service with a suite of healthcare and support services for the eligible insured (such as Medical Companion Service, Priority Outpatient Booking Service, Priority Inpatient Booking Service, Expedited Diagnostic Tests, Inpatient Personal Care Service, Home and Personal Care Service) and (ii) the medical home visit service for the eligible insured’s parents. From diagnosis, treatment to recovery, professional care is offered at your convenience to help give you a peace of mind throughout your health journey.

One-Stop Oncology Service

Support continuous professional care all along in your recovery journey

One-Stop Oncology Service~ connects you to a multi-disciplinary team of medical specialists to provide integrated oncology treatments and services in Hong Kong with dedicated service ambassador assisting you throughout the journey.

Please note that (i) the Pre-approval - Medical Expense & Cashless Service and (ii) the relevant administrative supports to the Pre-approval - Medical Expense & Cashless Service under Care Concierge and One-Stop Oncology Service as set out in the leaflet of each of Care Concierge and One-Stop Oncology Service are not available to be used by the insured of On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift.

For details and the terms and conditions thereof, please refer to the respective service leaflet of Care Concierge and One-Stop Oncology Service.

^~ Each of Care Concierge and One-Stop Oncology Service is additional value-added service, which is not guaranteed and subject to the respective terms and conditions thereof, and does not form part of the contractual benefit of On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift. AIA reserves the right to amend, suspend or terminate Care Concierge and One-Stop Oncology Service or any part of the service thereunder (including the service providers, any details or terms and conditions relating thereto) at any time without any prior notice. The services under Care Concierge are provided in mainland China by the designated third party service provider engaged by AIA and not applicable to Hong Kong and Macau region. One-Stop Oncology Service is provided in Hong Kong by the designated third party service provider engaged by AIA and not applicable to Macau region. The multi-disciplinary team of the medical specialists under One-Stop Oncology Service is designated by independent third party service provider and is subject to change from time to time without prior notice.

Additional Protection Especially for You

Enhanced protection for the first 10 policy years with Coverage Booster

During the first 10 policy years of your policy, when major illness benefit, minor illness benefit, 2nd tier ICU Protection Benefit or death benefit is paid, we will also provide an additional payment equivalent to a percentage of the Coverage Booster Benefit Amount as follows:

(i) If minor illness benefit is paid, 50% of the Coverage Booster Benefit Amount will also be paid.

(ii) If major illness benefit, 2nd tier ICU Protection Benefit or death benefit is paid, 100% of the Coverage Booster Benefit Amount will also be paid, after deducting the amount already paid under the Coverage Booster.

The Coverage Booster Benefit Amount is based on the insured’s age at application:

Insured’s age at application	Coverage Booster Benefit Amount
Age 30 or below	Additional 50% of the Initial Sum Assured
Age 31 or above	Additional 35% of the Initial Sum Assured

The Coverage Booster provides additional protection in the first 10 policy years under On Your Side Insurance Plan 2 – First Gift which will give parents extra support after their insured child’s birth. For details of benefits payable within the first 90 days after the date of birth of the insured child, please refer to the “Cover at a glance” on page 24.

We may offer you the right to convert the remaining unpaid amount of the Coverage Booster into a whole life or whole life with critical illness protection insurance plan starting from the earlier of the 9th policy anniversary of the policy and the policy anniversary immediately following the insured’s 64th birthday, with no further health information of the insured required.

For details, please refer to the “Coverage Booster” section under “Cover at a glance”.

If the worst should happen

If the insured passes away, we will pay the death benefit (if any) to the person selected as the beneficiary in your policy. For details of the death benefit payable, please refer to the “Cover at a glance”.

Wealth accumulation for lifelong benefits

On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift offers a guaranteed cash value to help you accumulate wealth.

Once the basic policy has been in force for 5 years, we may declare a non-guaranteed Terminal Bonus (if any) to you at least once per year and the Terminal Bonus may be paid in the event of policy surrender, death of the insured, or when advance payment is paid for major illness, minor illness, early stage critical illness, severe child disease, juvenile disease under Child Development Protector (applicable to On Your Side Insurance Plan 2 – First Gift only) or ICU Protection Benefit.

Terminal Bonus is a non-cumulative, non-guaranteed bonus, the amount of which is valid until the next declaration. The amount in each declaration may be greater or less than the previous amount based on a number of factors, including but not limited to investment returns, general market conditions, claims experience and other factors, the detailed list of which can be found under “Bonus Philosophy” from “Important Information”.

Payment of the Terminal Bonus is not guaranteed. We determine the amount based on actual experience and it may vary based on the above factors. In the case of policy surrender, it may be less compared to other situations. Under certain circumstances, it may be zero.

Please note that after the advance payments made in total for benefits under the policy reach 100% of the Initial Sum Assured, the policy will not provide any further Terminal Bonus.

Cover at a glance

Note: We will deduct all outstanding debt including the unpaid premiums of the basic plan and / or riders (if any) under the policy before we will make any payment under any of the abovementioned benefits.

Remarks
1. AIA 2023 Individual Medical and Critical Illness Claims Report.
2. Hong Kong Cancer Registry, Hospital Authority (https://www3.ha.org.hk/cancereg)
3. World Heart Day heightens public vigilance against cardiovascular diseases (https://www.info.gov.hk/gia/general/202309/29/P2023092800452.htm?)
4. https://std.stheadline.com/supplement/article/2556819/ (media news: November 2023)
5. Dementia, Elderly Health Service, Department of Health (https://www.elderly.gov.hk/english/health_information/dementia/dementia.html)
6. Prenatal Screening for Down Syndrome, Family Health Service, Department of Health (https://www.fhs.gov.hk/english/health_info/woman/20039.html)
7. https://www.hk01.com/ /1024950 (media news: June 2024)
8. Attention Deficit/Hyperactivity Disorder, Child Assessment Service, Department of Health (https://www.dhcas.gov.hk/en/adhd.html)
9. https://www.top1health.com/Article/1159 (media news: December 2011)
10. Regarding the first-in-market statement in:
• “Double Early Stage Critical Illness Payout Benefit”, “Waiver of Premium for Down Syndrome”, “Cord Blood Stem Cell Transfusion Benefit” and “Top-up premium with Top-up Premium Protector”, as of 23 July 2025, compared against critical illness products provided by major Hong Kong insurance companies.
• “First Gift” was pioneered by AIA in the Protect Elite Ultra 2 on 30 January 2019, compared against critical illness products provided by major Hong Kong insurance companies.
• “Cover for critical illness caused by undetected congenital conditions”, “Waiver of Premium on Death (Parents)” and “Waiver of Premium on Death (Spouse)” were pioneered by AIA in the Protect Elite Ultra on 1 May 2018, compared against critical illness products provided by major Hong Kong insurance companies.
Regarding the “Hong Kong insurance industry-first” statement in “Care Concierge”, as of 31 January 2024, compared against similar services offered by major Hong Kong insurance companies.
11. If a claim is eligible for both (i) 1st tier ICU Protection Benefit and (ii) Early Stage Critical Illness Benefit, Severe Child Disease Benefit or Child Development Protector (as the case may be), then only Early Stage Critical Illness Benefit, Severe Child Disease Benefit or Child Development Protector (as the case may be) will be paid, except we will pay 1st tier ICU Protection Benefit instead if the amount of the 1st tier ICU Protection Benefit is higher. If a claim is eligible for both (i) 2nd tier ICU Protection Benefit and (ii) Critical Illness Benefit (except due to Cerebral Aneurysm Requiring Surgery), then only Critical Illness Benefit will be paid. If a claim is eligible for both (i) 2nd tier ICU Protection Benefit and (ii) Critical Illness Benefit due to Cerebral Aneurysm Requiring Surgery, then only the 2nd tier ICU Protection Benefit will be paid.
12. The ICU Protection Benefit is limited to 1 advance payment for each tier of ICU Protection Benefit and the total payment(s) under the ICU Protection Benefit is limited to 100% of the Initial Sum Assured. For 1st tier ICU Protection Benefit, the benefit amount is subject to a maximum limit of US$50,000 per life. If the stay in ICU takes place outside of Hong Kong and Macau, the advance payment under the 1st tier ICU Protection Benefit will be reduced to 10% of the Initial Sum Assured. For 2nd tier ICU Protection Benefit, you may receive an advance payment equivalent to 100% of the Initial Sum Assured less any advance payment(s) already paid under the policy. For both tiers of ICU Protection Benefit, any stay in the ICU in mainland China must be at the designated hospital. Please visit our website (www.aia.com.hk) for retrieval of the most current list of designated hospitals in mainland China. The list may be amended from time to time at our discretion, and any change shall be deemed as effective on the date of publication on our website.
13. If the insured undergoes a surgery which is not included in any surgical category under the Voluntary Health Insurance Scheme Schedule of Surgical Procedures, or if this Schedule of Surgical Procedures is no longer valid or is replaced, or if the categories of surgical procedures in this Schedule are renamed or otherwise changed, we will reasonably determine the applicable surgical category based on other surgical procedures with similar difficulty and complexity included in this Schedule of Surgical Procedures and / or any other publication or information from the Hong Kong government, relevant authorities or medical associations. Please refer to www.vhis.gov.hk for details of the latest Voluntary Health Insurance Scheme Schedule of Surgical Procedures.
14. The sum of the advance payments paid under the Early Stage Critical Illness Benefit and the Double Early Stage Critical Illness Payout Benefit is subject to the maximum per life limit of the relevant early stage critical illness diagnosed.
15. Current Sum Assured means the Sum Assured left after the deduction of all advance payment(s) made for the benefits for major illness, minor illness, early stage critical illness, severe child disease, juvenile disease under Child Development Protector (applicable to On Your Side Insurance Plan 2 – First Gift only) and ICU Protection Benefit from the Initial Sum Assured. The Initial Sum Assured means the protection amount that you have purchased. Once the Current Sum Assured is reduced to zero, guaranteed cash value will also be reduced to zero and the Terminal Bonus will no longer be declared and no longer be paid under the policy.
16. Active Treatment means the full course of cancer-directed surgery, radiotherapy, chemotherapy, targeted therapy, or a combination of these treatments (excluding hormonal therapy), which is medically necessary as recommended by a registered medical practitioner who is a specialist in the relevant field.
17. Smart Patient, Dementia, Hospital Authority (https://www.smartpatient.ha.org.hk/en/smart-patient-web/theme-based-module/dementia/home)
18. The 1-year waiting period refers to the 1-year period after the later of (i) the major illness benefit or 10X Multiple Critical Illness Benefit (as the case may be) is paid; and (ii) the date of the report you submitted to us which characterizes the Mini Mental State Examination score of the insured which is 10 or less out of 30 for Alzheimer’s disease / Irreversible organic degenerative brain disorders.
19. The insured of the On Your Side Insurance Plan 2 – First Gift policy must have been changed from the expectant mother to the newborn child before the Company will process any claims related to the newborn child under the policy. You shall notify the Company of the birth of the newborn child and provide a certified true copy of the newborn child’s birth certificate as soon as possible and by 14 days before the first policy anniversary, otherwise the policy will terminate on the first policy anniversary and you will lose the cover.
20. In the first policy year, annual premium payment mode must be selected for the On Your Side Insurance Plan 2 – First Gift policy (the payment mode can be changed after the insured has changed from the expectant mother to the newborn child). For On Your Side Insurance Plan 2 policy, if you choose to settle the premiums by paying the regular premiums together with a top-up premium at policy inception, annual premium payment mode must be selected for the policy (the payment mode can be changed after the first policy anniversary).
21. Total basic premiums paid means the total amount of due and payable premium(s) paid to the On Your Side Insurance Plan 2 – First Gift basic policy and received by the Company from the policy date up to the end of the current policy year. Total basic premiums paid does not include any premium(s) paid for any add-on plan(s) attached to the On Your Side Insurance Plan 2 – First Gift policy, and does not include any premium(s) paid to us but not yet due and / or any payment in excess of premium(s) currently due and payable.
22. The total advance payments paid per policy under Critical Illness Benefit, Early Stage Critical Illness Benefit, Double Early Stage Critical Illness Payout Benefit, Severe Child Disease Benefit, Child Development Protector (applicable to On Your Side Insurance Plan 2 – First Gift only) and ICU Protection Benefit cannot exceed 100% of the Initial Sum Assured.
23. The total coverage does not include the non-guaranteed Terminal Bonus (if any).
In this product brochure, when referring to the benefit term, age 85 / age 75 / age 70 / age 65 / age 25 / age 18 refers to the policy anniversary on or immediately following the insured’s 85th / 75th / 70th / 65th / 25th / 18th birthday.

Critical Illnesses Schedule

44 Early Stage Critical Illnesses and 13 Severe Child Diseases^

^ Cover for severe child diseases will cease when the insured attains the age of 18.

58 Critical Illnesses (including 57 major illnesses and 1 minor illness)

Covered illnesses

You may browse the website to understand covered illnesses for reference purpose: https://www.aia.com.hk/en/our-products/critical-illness-protection/illness.html

^@ Cerebral Aneurysm Requiring Surgery is classified as a minor illness.

Remarks:
• Cover for cancer under major illnesses, the 10X Multiple Critical Illness Benefit and Continuous Cancer Income Option do not include early thyroid cancer (at TNM Classification T1N0M0 or a lower stage); early prostate cancer (at TNM Classification T1a or T1b or a lower stage); early chronic lymphocytic leukaemia classified as less than RAI Stage III; skin cancer (except malignant melanoma); any cancer where HIV infection is also present; and any pre-malignant or non-invasive cancer or Carcinoma-in-situ.
• Cover for Carcinoma-in-situ does not include: (a) Cervical intraepithelial neoplasia grade II (CIN II) or below; (b) Prostatic intraepithelial neoplasia grade II (PIN II) or below; and (c) Skin Carcinoma-in-situ.
• Early Stage Malignancy means the presence of one of the following early malignant conditions: (a) tumour of the thyroid classified as T1N0M0 according to the TNM classification; (b) tumour of the prostate classified as T1a or T1b according to the TNM classification system; (c) chronic lymphocytic leukaemia classified as RAI Stage I or II; or (d) non-melanoma skin cancer.
• Please refer to the policy contract for the definitions of each of the covered illnesses.

Covered Illnesses Benefit Schedule

The following benefits are limited to one payment for each covered illness (except for Carcinoma-in-situ under Early Stage Critical Illness Benefit where up to two advance payments may be paid in respect of Carcinoma-in-situ occurring in two different organs, 10X Multiple Critical Illness Benefit, Continuous Cancer Income Option and Lifelong Alzheimer / Parkinson Annuity Benefit):

Important Information

This brochure does not contain the full terms and conditions of the policy. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of this product. The precise terms and conditions of this plan are specified in the policy contract. Please refer to the policy contract for the definitions of capitalised terms, and the exact and complete terms and conditions of cover. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA. This brochure should be read along with the illustrative document (if any) and other relevant marketing materials, which include additional information and important considerations about this product. We would like to remind you to review the relevant product materials provided to you and seek independent professional advice if necessary.

You may choose to purchase this Plan as a standalone plan without purchasing other type(s) of insurance products at the same time.

This brochure is for distribution in Hong Kong / Macau only.

Effective from 1 January 2018, all policy owners are required to pay a levy on each premium payment made for both new and in-force Hong Kong policies to the Insurance Authority (IA). For levy details, please visit our website at www.aia.com.hk/useful-information-ia-en or IA’s website at www.ia.org.hk.

Bonus Philosophy

This is a participating insurance plan in which we share a portion of the profits earned on it and related participating insurance plans with the policy owners. It is designed to be held long term. The premiums of a participating insurance plan will be invested in a variety of assets according to our investment strategy. The cost of policy benefits (including guaranteed and non-guaranteed benefits as specified in your plan that may be payable on death, surrender or the occurrence of certain events such as hospitalization or diagnosis of a critical illness, as well as charges we make to support policy guarantees (if applicable)) and expenses will be deducted as appropriate from premiums of the participating insurance plan or from the invested assets. We aim to ensure a fair sharing of profits between policy owners and shareholders, and among different groups of policy owners.

Divisible surplus refers to profits available for distribution back to policy owners as determined by us. The divisible surplus that will be shared with policy owners will be based on the profits earned from your plan and similar plans or similar groups of policies (as determined by us from time to time by considering factors such as benefit features, policy currencies and period of policy issuance). Divisible surplus may be shared with the policy owners in the form of terminal bonuses as specified in your policy.

We review and determine the bonus amounts payable to policy owners at least once per year. Divisible surplus depends on the investment performance of the assets which we invest in and the amounts of benefits and expenses we need to pay for the plan. It is therefore inherently uncertain. Nevertheless, we aim to deliver relatively stable bonus payments over time through a smoothing process by spreading out the gains and losses over a period of time. The actual bonuses declared may be different from those illustrated or projected in any insurance plan information provided (e.g. benefit illustrations) depending on whether the divisible surplus, past experience and / or outlook are different from what we expected. If bonuses are different from our last communication, this will be reflected in the policy anniversary statement.

A committee has been set up to provide independent advice on the determination of the bonus amounts to the Board of the Company. The committee is comprised of members from different control functions or departments within the organisation both at the AIA Group level as well as Hong Kong local level, such as office of the Chief Executive of the Company, legal, compliance, finance, investment and risk management. Each member of the committee will endeavour to exercise due care, diligence and skill in the performance of his or her duties as a member. The committee will utilise the knowledge, experience, and perspectives of each individual member to assist the Board in the discharge of its duty to make independent decisions and to manage the risk of conflict of interests, in order to ensure fair treatment between policy owners and shareholders, and among different groups of policy owners. The actual bonuses, which are recommended by the Appointed Actuary, will be decided upon the deliberation of the committee and finally approved by the Board of Directors of the Company, including one or more Independent Non-Executive Directors, and with written declaration by the Chairman of the Board, an Independent Non-Executive Director and the Appointed Actuary on the management of fair treatment between policy owners and shareholders.
To determine the bonuses of a participating policy, we consider both past experience and the future outlook of all factors including, but not limited to, the following:

Investment returns: include interest earnings, dividends and any changes in the market value of the backing assets, i.e. the assets in which we invest your premiums (after deducting the cost of policy benefits and expenses). Depending on the asset allocation adopted for the insurance plan, investment returns could be affected by fluctuations in interest income (both interest earnings and the outlook for interest rates) and various market risks, including interest rate risk, credit spread and default risk, fluctuations in listed and private equity prices, real estate prices as well as foreign exchange rates if the currency of the backing assets is different from the policy currency, etc.

Claims: include claims for death benefits, critical illness benefits and any other insured benefits under the insurance plan.

Surrenders: include policy surrenders, partial surrenders and policy lapses; and their corresponding impact on the backing assets.

Expenses: include both expenses directly related to the policy (e.g. commission, underwriting, issue and premium collection expenses) and indirect expenses allocated to the insurance plan (e.g. general administrative costs).

For bonus philosophy and bonus history, please visit our website at https://www.aia.com.hk/en/dividend-philosophy-history.html

Investment Philosophy, Objective and Strategy

Our investment philosophy aims to deliver sustainable long-term returns in line with the insurance plan’s investment objectives and the Company’s business and financial objectives.

Our aforementioned objectives are to achieve the targeted long-term investment results while minimising volatility in investment returns to support the liabilities over time. They also aim to control and diversify risk exposures, maintain adequate liquidity and manage the assets with respect to the liabilities.

Our current long-term target strategy is to allocate assets attributed to this insurance plan as follows:

Asset Class	Target Asset Mix (%)
Bonds and other fixed income instruments	25% - 100%
Growth assets	0%-75%

The bonds and other fixed income instruments predominantly include government and corporate bonds and are mainly invested in the United States and Asia-Pacific. Growth assets may include listed equity, equity mutual funds, physical real estate, real estate funds, private equity funds and private credit funds, and are mainly invested in the United States, Asia-Pacific and Europe. Growth assets generally have a higher long-term expected return than bonds and fixed income assets but may be more volatile in the short term. The range of target asset mix may be different for different participating insurance plans. Our investment strategy is to actively manage the investment portfolio i.e. adjust the asset mix dynamically over a range that can be wider than the target range in response to the external market conditions and the financial condition of the participating business. For example, there may be a smaller proportion of growth assets when interest rates are low and a larger proportion of growth assets when interest rates are high. When interest rates are low, the proportion of growth assets may be even smaller than the long-term target strategy, so as to allow us to minimise volatility in investment returns and to protect our ability to pay the guaranteed benefits under the insurance plans, whereas the proportion of the growth assets may be even larger than the long-term target strategy when interest rates are high to allow for the possibility that we may share more investment opportunities in growth assets with the policy owners.

Subject to our investment objectives, we may use a material amount of derivatives (such as through pre-investing partly or fully expected future premiums) to manage our investment risk exposure and for matching between assets and liabilities, for example, the effects of changes in interest rates may be moderated while allowing for more flexibility in asset allocation.

Our general currency strategy is to minimise currency mismatches for bonds and other fixed income instruments. For these investments, our current practice is to endeavour to currency-match asset purchases with the currency of the underlying policy (e.g. US Dollar assets will be used to back US Dollar insurance plans). However, subject to market availability and opportunity, bonds or other fixed income instruments may be invested in a currency other than the currency of the underlying policy and currency swaps may be used to minimise the currency risks. Currently assets are mainly invested in US Dollar. Growth assets may be invested in a currency other than the currency of the underlying policy and the selection of the currency is made according to our investment philosophy, investment objectives and mandate.

We will pool similar participating insurance plans for investment to determine the return and we will then allocate the return to specific participating insurance plans with reference to their target asset mix. Actual investments (e.g. geographical mix, currency mix) would depend on market opportunities at the time of purchase, hence may be different from the target asset mix.

The investment strategy is subject to change depending on the market conditions and economic outlook. Should there be any material changes in the investment strategy, we will inform policy owners of the changes, with underlying reasons and expected impact to the bonuses.

Key Product Risks

You should pay premium(s) on time and according to the selected premium payment schedule. If you stop paying the premium before completion of the premium payment term, you may elect one of the non-forfeiture options to surrender the policy or convert the policy to a non-participating insurance plan with life protection only. Compared with the original plan, such a plan will have less cover and may have a shorter term.
If no non-forfeiture option has been elected, the premium will be covered by a loan taken out on the policy automatically. When the loan balance exceeds the guaranteed cash value, the policy will lapse and you / the insured will lose the cover. The surrender value of the policy will be used to repay the loan balance, and we will refund any remaining value.

The plan may make certain portion of its investment in growth assets. Returns of growth assets are generally more volatile than bonds and other fixed income instruments, you should note the target asset mix of the product as disclosed in this product brochure, which will affect the bonus on the product. The savings component of the plan is subject to risks and possible loss. Should you surrender the policy early, you may receive an amount considerably less than the total amount of premiums paid.
The policy value including guaranteed cash value and terminal bonus and both will be reduced when an advance payment is paid under the basic policy. Under such condition, this plan may not serve the purpose of wealth accumulation.
You may request for the termination of your policy by notifying us in written notice. Also, we will terminate your policy and you / the insured will lose the cover on the occurrence of the earliest of any of the following:
• the insured passes away (except when the expectant mother passes away but the insured newborn child survives under On Your Side Insurance Plan 2 – First Gift);
• you do not pay the premium within 31 days of the due date;
• the end of the benefit term if basic policy has been continued as a non-participating insurance plan;
• the outstanding debt exceeds the guaranteed cash value of the policy. Where the premium is covered by a loan taken out on the policy automatically, the outstanding debt (including the policy loan and interest) exceeds the guaranteed cash value of your policy;
• the date of termination of pregnancy with loss or death of the fetus (whether due to miscarriage or termination of pregnancy or otherwise and whether occurring spontaneously or otherwise), or the date the expectant mother suffers astillbirth, regardless of whether Compassionate Refund of Premium Benefit is paid (applicable to On Your Side Insurance Plan 2 – First Gift only); or
• we do not receive the birth certificate of the newborn child within 14 days before the first policy anniversary (applicable to On Your Side Insurance Plan 2 – First Gift only).
The Coverage Booster will be terminated on the occurrence of the earliest of any of the following:
• when the total payments paid under the Coverage Booster reach the Coverage Booster Benefit Amount (i.e. 50% of Initial Sum Assured if the insured’s age is 30 or below at policy application or 35% of Initial Sum Assured if the insured’s age is 31 or above at policy application);
• at the end of the 10th policy year;
• when the basic plan is terminated or converted to a non-participating insurance plan; or
• when you surrender the Coverage Booster and convert it to a whole life or whole life with critical illness protection insurance plan.
The Continuous Cancer Income Benefit will be terminated on the occurrence of the earliest of any of the following:
• when the total payments paid under the Continuous Cancer Income Benefit reach 500% of the Initial Sum Assured;
• when the total payments paid for cancer under the basic policy (under major illness benefit, Continuous Cancer Income Option and 10X Multiple Critical Illness Benefit) reach 600% of the Initial Sum Assured;
• at the policy anniversary on or immediately following the insured’s 85th birthday; or
• when the basic plan is terminated or converted to a non-participating insurance plan.
The Lifelong Alzheimer / Parkinson Annuity Benefit will be terminated when the following happens:
• when the basic plan is terminated or converted to a non-participating insurance plan.
The 10X Multiple Critical Illness Benefit will be terminated on the occurrence of the earliest of any of the following:
• when the total payments paid under the basic policy (excluding the Coverage Booster, Lifelong Alzheimer / Parkinson Annuity Benefit, Severe Jaundice Benefit (applicable to On Your Side Insurance Plan 2 – First Gift only) and Cord Blood Stem Cell Transfusion Benefit (applicable to On Your Side Insurance Plan 2 – First Gift only)) reach 1,100% of the Initial Sum Assured;
• when the total payments paid under 10X Multiple Critical Illness Benefit reach 1,000% of the Initial Sum Assured;
• at the policy anniversary on or immediately following the insured’s 85th birthday; or
• when the basic plan is terminated or converted to a non-participating insurance plan.
The Waiver of Premium on Death (Parents) will be terminated on the occurrence of the earliest of any of the following:
• at the policy anniversary on or immediately following the insured’s 25th birthday;
• in respect of the policy owner, at the policy anniversary on or immediately following the policy owner’s 75th birthday; or
• in respect of the contingent owner, at the policy anniversary on or immediately following the contingent owner’s 75th birthday.
The Waiver of Premium on Death (Spouse) will be terminated when the following happens:
• at the policy anniversary on or immediately following the 75th birthday of the spouse of the insured.
The Top-up Premium Protector will automatically terminate on the occurrence of the earliest of any of the following:
• when the entire balance of regular premiums payable under the basic policy is waived by us;
• when the total advance payments paid under the basic policy reach 100% of the Initial Sum Assured;
• at the end of the 5th policy year; or
• when the basic plan is terminated or converted to a non-participating insurance plan.
Once top-up premium payment option is selected, it cannot be cancelled or changed. Before selecting the premium payment option, you are reminded to consider carefully both premium payment options and to assess and understand any potential financial impact to you. For the differences between the two premium payment options (including returns, benefits and premium amounts), please refer to the respective benefit illustrations.
Under 10X Multiple Critical Illness Benefit and Lifelong Alzheimer / Parkinson Annuity Benefit, (i) in respect of the insured’s diagnosis of Alzheimer’s disease / Irreversible organic degenerative brain disorders, benefit payment will only be paid if the insured is diagnosed with Alzheimer’s disease / Irreversible organic degenerative brain disorders and characterized by a Mini Mental State Examination score of 10 or less out of 30 on or before the policy anniversary on or immediately following the insured’s 85th birthday; or (ii) in respect of the insured’s diagnosis of Parkinson’s disease, benefit payment will only be paid if the insured fulfils the Company’s definition requirement of Parkinson’s disease on or before the policy anniversary on or immediately following the insured’s 85th birthday.
We underwrite the plan and you are subject to our credit risk. If we are unable to satisfy the financial obligations of the policy, you may lose your premium paid and benefits.
You are subject to exchange rate risks for plans denominated in currencies other than the local currency. Exchange rates fluctuate from time to time. You may suffer a loss of your benefit values and the subsequent premium payments (if any) may be higher than your initial premium payment as a result of exchange rate fluctuations. You should consider the exchange rate risks and decide whether to take such risks.
Your current planned benefit may not be sufficient to meet your future needs since the future cost of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, you may receive less in real terms even if we meet all of our contractual obligations.
Future premiums will be reviewed and adjusted if necessary to reflect overall claim experience and other factors, the detailed list of which are set out under “Premium Adjustment” section.

Key Exclusions

Except for the death benefit, under this plan, we will not cover any of the following events or conditions that result from any of the following events:

any illnesses with signs / symptoms or surgeries caused or triggered by conditions, which first occurred before or within 90 days after the policy is issued (applicable to On Your Side Insurance Plan 2 only);
Fulminant viral hepatitis or cancer of the insured due to AIDS or HIV infection;
a self-inflicted injury; and
any illnesses existed before the policy is issued and was not disclosed in the application for insurance or health statement.

The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.

Additional Exclusions for ICU Protection Benefit

The stay in Intensive Care Unit must not be related to or must not arise as a direct or indirect result of:

a cosmetic treatment performed on the insured unless it is necessitated by injury and it is performed within 90 days of the accident;
the insured’s pregnancy, surrogacy, childbirth or termination of pregnancy, birth control, infertility or human assisted reproduction, or sterilisation of either of the sexes;
mental disorder, psychological or psychiatric conditions, behavioural problems or personality disorder of the insured;
primarily for physiotherapy or for the investigation of signs and / or symptoms with diagnostic imaging, laboratory investigation or other diagnostic procedures; or
experimental and / or unconventional medical technology / procedure / therapy performed on the insured; or novel drugs / medicines / stem cell therapy not yet approved by the government, relevant authorities and recognised medical association in the locality.

The above list is for reference only. Please refer to the policy contract of this plan for the complete list and details of exclusions.

Premium Adjustment

In order to provide you with continuous protection, we will review the premium of your policy from time to time within the premium payment term and adjust accordingly at the end of policy year if necessary. During the review, we may consider factors including but not limited to the following:
• claim costs incurred from all policies under this plan and any other similar plans as determined by us, and the expected claim outgo in the future of such policies, which reflects the impact of change in the incidence rate of deaths, covered illnesses and covered surgeries
• potential changes in the Schedule of Surgical Procedures under the Voluntary Health Insurance Scheme
• historical investment returns and the future outlook of this plan’s backing asset
• policy surrenders and lapses of this plan
• expenses directly related to this plan and indirect expenses allocated to this plan

We will give you a written notice of any revision 31 days before the end of policy year.

Product Limitation

In case the insured reaches the age of 70 or above and makes any subsequent claim for prostate cancer resulting from the continuation of a previous prostate cancer for which a previous claim was made under the policy, the 10X Multiple Critical Illness Benefit will only be payable for the subsequent claim for prostate cancer if the insured has received or is in the process of receiving the full course of cancer-directed surgery, radiotherapy, chemotherapy, targeted therapy or a combination of these treatments (excluding hormonal therapy) which is medically necessary during the intervening period between the diagnosis of the previous and subsequent prostate cancer.
ICU Protection Benefit applies only if the insured stays in Intensive Care Unit for a Reasonable and Customary Hospital Confinement. “Reasonable and Customary Hospital Confinement” means a confinement in hospital for illness which is medically necessary, where the admission of the insured, length of confinement, and medical services and treatment received during confinement:
• are all in accordance with standards of good medical practice; and
• do not exceed the usual standard for the treatment of similar illness at the location where such confinement takes place.

Severe Jaundice Benefit will only be payable if in-patient phototherapy for treatment of the insured’s severe jaundice is medically necessary. Cord Blood Stem Cell Transfusion Benefit will only be payable if cord blood stem cell transfusion is medically necessary for treatment of the insured’s cancer as recommended by a registered medical practitioner who is an oncologistThe term “medically necessary” as stated above means that the medical service, procedure or supply is, in our opinion:
• consistent with the generally accepted professional standards of medical practice;
• required to establish a diagnosis and / or to provide treatment; and
• cannot be safely delivered in a lower level of medical care

Experimental, screening, and preventive services or supplies are not considered medically necessary.
For Waiver of Premium on Death (Parents) and Waiver of Premium on Death (Spouse), there is a 2-year waiting period. The 2-year waiting period refers to the death of the insured’s parent or the insured’s spouse occur at least 2 years after:
(i) the later of the issue date and the commencement date of the policy; or
(ii) the effective date when the insured’s parent is named as the owner or contingent owner (as the case may be) if the insured’s parent becomes the owner or contingent owner after the policy is issued; or
(iii) the effective date when the insured’s spouse is named as the owner or beneficiary (as the case may be) if the insured’s spouse becomes the owner or beneficiary after the policy is issued.
The insured’s parent and the insured’s spouse must be aged 50 or below at the time when he / she becomes the owner, contingent owner or beneficiary (as the case may be).
Applicable to On Your Side Insurance Plan 2 – First Gift only
The proposed insured of the On Your Side Insurance Plan 2 – First Gift policy must be an expectant mother who (i) must be aged 18 to 45 with gestation period of 22nd week or above at the time of application for the On Your Side Insurance Plan 2 – First Gift policy and (ii) carries the fetus for herself and who will become the legal mother of the newborn child following his / her birth. Only 1 person can be the insured under the On Your Side Insurance Plan 2 – First Gift policy at any given time. The expectant mother is required to apply for a separate On Your Side Insurance Plan 2 – First Gift policy for each fetus if she is carrying twins. On Your Side Insurance Plan 2 – First Gift is not applicable to an expectant mother who is carrying more than two fetuses at the same time. The issuance of the On Your Side Insurance Plan 2 – First Gift policy is subject to AIA’s sole discretion and underwriting decision.
Each of Care Concierge and One-Stop Oncology Service is additional value-added service, which is not guaranteed subject to the respective terms and conditions thereof, and does not form part of the contractual benefit of On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift. The services under Care Concierge are provided in mainland China by the designated third party service provider engaged by AIA, and not applicable to Hong Kong and Macau region. One-Stop Oncology Service is provided in Hong Kong by designated independent third party service providers and not applicable to Macau region. The multi-disciplinary team of the medical specialists under One-Stop Oncology Service is designated by independent third party service provider and is subject to change from time to time without prior notice. AIA shall not be responsible for any act, negligence or omission of the service providers in the provision of any service, treatment, advice and opinion.
Care Concierge and One-Stop Oncology Service are subject to the eligibility of the insured (for One-Stop Oncology Service, it includes review of the insured’s relevant medical reports of pathological or diagnostic imaging tests by the designated service providers), the availability of the services, the terms and conditions and any applicable terms and conditions imposed by the service providers relating to the services. AIA reserves the right to amend, suspend or terminate Care Concierge and One-Stop Oncology Service or any part of service thereunder (including the service providers, any details or terms and conditions relating thereto) at any time without any prior notice.
Please note that the Pre-approval - Medical Expense & Cashless Service and the administrative support related thereto under Care Concierge and One-Stop Oncology Service are not available to be used by the insured of On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift.

For details, please refer to the relevant service leaflets and AIA’s website:
• Care Concierge: https://www.aia.com.hk/en/health-and- wellness/healthcare-services/care-concierge
• One-Stop Oncology Service: https://www.aia.com.hk/en/ health-and-wellness/healthcare-services/aia-carepass/ one-stop-oncology-service.

Claim Procedure

If you wish to make a claim, you must send us the appropriate forms and relevant proof. You can get the appropriate claim forms in www.aia.com.hk, from your financial planner, by calling the AIA Customer Hotline (852) 2232 8968 in Hong Kong, or by visiting any AIA Customer Service Centre. For details related to making a claim, please refer to the policy contract. If you wish to know more about claim related matter, you may visit “File A Claim” section under our company website www.aia.com.hk.

Suicide

If the insured commits suicide within one year from the date on which the policy takes effect, our liability will be limited to the refund of premiums paid (without interest) less any outstanding debt.

Incontestability

Except for fraud or non-payment of premiums, we will not contest the validity of this policy after it has been in force during the lifetime of the insured for a continuous period of 2 years from the date on which the policy takes effect. This provision does not apply to any add-on plan providing accident, hospitalisation or disability benefits.

Warning Statement and Cancellation Right

On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 – First Gift is an insurance plan with a savings element. Part of the premium pays for the insurance and related costs. If you are not happy with your policy, you have a right to cancel it within the cooling-off period and obtain a refund of any premiums and levy paid. A written notice signed by you should be received by the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong within the cooling-off period (that is, 21 calendar days immediately following either the day of delivery of the policy or cooling-off notice (informing you / your nominated representative about the availability of the policy and expiry date of the cooling-off period, whichever is earlier)). After the expiration of the cooling-off period, if you cancel the policy before the end of the term, the projected total cash value may be substantially less than the total premium you have paid.

Important Notes from the Insurance Agent of The Bank of East Asia, Limited

The Bank of East Asia, Limited (“BEA”), being registered with the Insurance Authority as a licensed insurance agency, act as an appointed licensed insurance agent for AIA International Limited (incorporated in Bermuda with limited liability) (“AIA”). This insurance plan is a product of AIA but not BEA.
This insurance plan is underwritten by AIA and it is not a bank savings plan with free life insurance coverage. Part of the premium pays for the insurance and related costs. The premium paid is not a placement of a savings deposit with the bank and hence is not protected by the Deposit Protection Scheme in Hong Kong.
Add-on plan (if any) is an add-on coverage for this insurance plan with additional premium paid required. BEA does not distribute any add-on plan; therefore, you cannot apply the add-on plan through BEA. If needed, you can contact AIA Customer Service Centre for inquiry after the policy is issued by AIA.
In respect of an eligible dispute (as deﬁned in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BEA and the customer out of the selling process or processing of the related transaction, BEA is required to enter into a Financial Dispute Resolution Scheme process with the customer.
Claims under this insurance plan must be made by you to AIA directly. You can get the appropriate claim form by calling AIA Customer Service Hotline +852 2232 8968 in Hong Kong or visiting www.aia.com.hk or any AIA Customer Service Centre. For details, please refer to the policy contract provided by AIA.
BEA’s sales staﬀ (including direct sales staﬀ and authorised agents) are remunerated not only based on their ﬁnancial performance, but also according to a range of other factors, including their adherence to best practices and their dedication to serving customers’ interests.
You can refer to the beneﬁt illustration for the amounts of premium you have to pay.
The information you disclosed in response to all AIA’s questions must be true, complete and correct. Failure to disclose true, complete and correct information to AIA may render AIA unable to accept or process your application or the policy void.
You are reminded to carefully review the relevant product materials provided to you and be advised to seek professional
/ independent advice when considered necessary.
For the beneﬁts and returns mentioned throughout the product brochure and Important Notes, please note that the policy owner is subject to the credit risk of AIA. If the policy owner discontinues and / or surrenders this policy in early policy years, the amount of beneﬁts he / she will get back may be considerably less than the total premiums he / she has paid. Projected and / or potential beneﬁts and / or returns (e.g. terminal bonus) presented in the product brochure are not guaranteed and are for illustrative purposes only. The actual future amounts of beneﬁts and / or returns may be lower than or higher than the currently quoted beneﬁts and / or returns.
AIA Vitality (the “Membership Programme”) is not an insurance product. It is a membership programme and obligation of AIA and not of BEA. BEA’s role is limited to introducing the Membership Programme only and you should obtain further details about the Membership Programme directly from AIA. BEA shall not be responsible for any matters in relation to the Membership Programme provided by AIA.
Apart from the key product risks mentioned in product brochure, you are also reminded of the following risks:
1. Liquidity risk – this insurance plan is designed to be held long term. You should only apply for this insurance plan if it is intended to pay the premium for the whole of the premium payment term. If you fail to pay the premium for the whole of the premium payment term, this will cause the policy to lapse or to be terminated earlier than the original beneﬁt term, and the total surrender value (if any) that get back by you may be less than the total premiums paid.
2. Risk from surrender – if you cancel the policy before the end of the beneﬁt term, you may suﬀer a signiﬁcant loss, and the total surrender value received may be substantially less than the total premiums paid.
3. Non-guaranteed bonus scale – non-guaranteed beneﬁts are based on the bonus scale of AIA determined under current assumed investment return. The actual amount payable may change anytime with the values being higher or lower than those being projected. In other words, a change in the current assumed investment return will aﬀect the terminal bonus you will receive. Under some circumstances, the non-guaranteed beneﬁts may be zero.

Insurance, MPF & Trust

On Your Side Insurance Plan 2 / On Your Side Insurance Plan 2 - First Gift

Life Insurance - Critical Illness Protection

Underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)

With love and care, from the first step to every step

CULTIVATING TRANQUILLITY TOGETHER IN LIFE’S UNPREDICTABLE JOURNEY

We must prepare to face risks and threats at any life stage

Look forward to living each stage of life to the fullest with you and your loved ones

Master of your own

Master of your home

First-in-market10 Better financial planning with top-up premium payment

Extra care supports to critical illness

Master of Your Own

Fundamental protection throughout your life

Extensive protection against critical illnesses and ICU stays

First-in-market10 Double Early Stage Critical Illness Payout Benefit on or after age 65

Continuous protection

Multiple claims to provide you with peace of mind

Continuous Cancer Income Option gives you flexibility

Lifelong Alzheimer / Parkinson Annuity Benefit to relieve your burden

Master of Your Home

Critical illness protection from day one

Pregnancy stage

After birth

First-in-market10 Cover for critical illness caused by undetected congenital conditions

First-in-market10 Love for your family will endure

First-in-market10 Better Financial Planning with Top-up Premium Payment

First-in-market10 Pay regular premiums together with a top-up premium

Top-up Premium Protector

Extra Care Supports to Critical Illness

Hong Kong insurance industry-first10 Care Concierge

One-Stop Oncology Service

Additional Protection Especially for You

If the worst should happen

Wealth accumulation for lifelong benefits

Cover at a glance

Critical Illnesses Schedule

Covered illnesses

Covered Illnesses Benefit Schedule

Important Information

Bonus Philosophy

Investment Philosophy, Objective and Strategy

Key Product Risks

Key Exclusions

Additional Exclusions for ICU Protection Benefit

Premium Adjustment

Product Limitation

Claim Procedure

Suicide

Incontestability

Warning Statement and Cancellation Right

Important Notes from the Insurance Agent of The Bank of East Asia, Limited

First-in-market¹⁰ Better financial planning with top-up premium payment

First-in-market¹⁰Double Early Stage Critical Illness Payout Benefit on or after age 65

First-in-market¹⁰ Cover for critical illness caused by undetected congenital conditions

First-in-market¹⁰Love for your family will endure

First-in-market¹⁰ Better Financial Planning with Top-up Premium Payment

First-in-market¹⁰ Pay regular premiums together with a top-up premium

Hong Kong insurance industry-first¹⁰ Care Concierge