New Application - Life - AIA

Product List

For more detail, please kindly refer to Product List Table (Updated: 7 Feb 2024)

Important Notice

1.Consultants must register PD Corner Access ID (individual login) before signing applications and POS forms; otherwise, AIA will not process the application. To apply access ID, please refer to OnePortal>User Guide of Portal - AIA.

2. New Business Submission Checklist - Traditional Life Products (Updated: 6 Apr 2018)

3. Operation Rules and Guidelines for Broker [Part 1] (Updated: 2 Jun 2020) & Operation Rules and Guidelines for Broker [Part 2] (Updated: 24 Dec 2019)

4. Application forms and related documents must be submitted to OnePortal within 10 calendar days after sign date of client except PRC clients. For PRC client, Application forms and related documents must be submitted to OnePortal within 5 calendar days.

5. To obtain policy number before your submission, you may visit IFA & Broker Corner > e-Service > Request Policy No.)  Appendix for Residency Rating Summary (Updated: 2 Jun 2020)

6. Policyowner - Below are the eligible policyowner

Husband/wife can be the policyowner of his/her spouse

Child (adult) can be the policyowner of his/her parents^ 

For juvenile cases, parent or grandparent^ must be the policyowner^ 

  ^For ILAS policies, adult child and grandchild as insured are NOT applicable. (Updated: 10 Jan 2020)

7. Nationality & Residence Table for CEO Medical 5 /CEO Pearl Medical 5 and CEO Essence 2 / CEO Essence Pearl 2 [ENG]/[CHI]  (Updated: 26 Feb 2018)

8. Guidelines related to Nationality (Application by Japanese resident or Japanese passport holders. For details, please refer to Revised Underwriting guidelines for Japanese Residents and / or Japanese passport holders (New Business)) (Updated: 26 Sep 2019)

9. If client wants to date back the policy date, please check the box in Application “Special Request” and put the desired policy effective date. For details, please refer to Ref: A2015038 Policy Date Back Rules & Applicable Products (Updated: 9 April 2015)

10. Effective from 16 September 2019 till 31 December 2019 (for 1st time new business submission only), if customer applies for 2 policies at the same time and related product is Bonus Power Plan 3 and/or Protect Elite Ultra 2, it is only required to fill out and submit one set of application form and related forms. (Updated: 20 Sep 2019)

11. Occupational class:  please search by AIA link : https://www3.aia.com.hk/application/iocs/internalLogin.do?UserID=hpsrpfb&Domain=AIA

12. All samples provided in OnePortal are for REFERENCE only, consultant must fill in all forms with client’s latest information provided. The reference products recommended should be on OnePortal’s shelf by the time you make the recommendation. No same provider’s products should be recommended unless there are no other suitable products from other providers. (Updated: 19 Nov 2019)

13. If there is no acknowledgement received after 68 calendar days from policy delivery date, physical copy will be reprinted to customers and HK200 will be received from Technical Representative (Effect from 5 February 2021).

Checklist

(OnePortal Internal Document and Principal Document are required to be submitted)

OnePortal Internal Document

6. Address proof is not required unless it is required by AIA, or OnePortal has to conduct further verification with the client’s identity. (Updated: 24 Oct 2017)

7.e-BankIn and Direct Debit Authorisation For Bank Account Application ([E1])  / Direct Debit Authorisation for Credit Card Account ([D5])

8.Payment Method

Initial Premium Payment (3 Months premium)

Payment Declaration Form – Bank Draft ([P7]) (if payment by Bank Draft for premium amount from USD30,000-USD150,000 for NB)

Payment Declaration Form - Company Account ([T1]) (if payment by Company remittance/ cheque for amount > USD5,000)

Declaration Form for Cash Payment and Payment Form for New Policy ([D14]) (if cash payment exceeding USD15,000)

9.AIA Representative / Broker Confidential Report ([A6]) – for Non-Income Group policyowner and the insured is another person

10.Source of Wealth Declaration ([S2])

For Non-Income Group (Housewife/ Student/ Retiree/ Unemployed) or Moderate and High Risk Group, details please refer Source of Wealth Checking (Updated: 6 Nov 2018)

For pre-paid premium which is 2 years or above, the total sum of premium will be calculated as Aggregated Single Premium. Please refer to AIA - Revised the Threshold for Source of Wealth Checking. (Updated: 8 Oct 2019)

This form can be waived if Financial Questionnaire is completed

11.Financial Questionnaire ([F2]) and Income proof / Asset proof

Please refer to Broker Category “Ruby” of Financial Underwriting Requirements [ENG]/[CHI] (Updated: 20 Apr 2023) /AML Guideline (Updated: 20 Jan 2017).

12.Broker Letter

Total Life Sum Assured > USD2,000,000

13.Individual AIA Vitality Membership Application Form ([I2])

PGS (Found in Vitality Corner in AIA Website) includes respective “AIA Vitality Series” Plan

Annual AIA Vitality Membership Fee HKD430 paid together with premium

Email address and mobile phone no. must be provide on Application Form or Individual AIA Vitality Membership Application Form

Only apply for below products: (Updated: 29 May 2017)

14.Form and Documents for Grandparent Application (Juvenile case - Grandparent as owner)

• ID copy of both Insured’s parents

• Relationship proof between the Insured and grandparent Applicant

• Grandparent as Owner – Trustee Declaration  ([G1]) (signed by grandparent Applicant)

• Grandparent as Owner – Authorization Letter ([G2]) (one is signed by grandparent Applicant and another is signed by Insured’s parent)

• Grandparent as Owner – Consent Letter ([G3]) (signed by Insured’s parent) [should NOT be signed before application date]

***Apply to HKID Card Holder and PRC Client

15.Voluntary Health Insurance Scheme (VHIS) Supplementary Form ([V1])

- Required only if the application is a VHIS plan

16. Amendment to Application for Policy for Xtra ([A23])

-  Required only if the application is a Xtra Protect

17. Covid-19 Recovery Questionnaire ([C8])

- Applicable for COVID-19 recovered patients to supplement information [Memo] (Updated: 25 May 2022)

18. Effective from 12 November 2022 (based on application date), if it is known that the mobile phone number of the Applicant is the same as that of other policyholders, the Applicant can verify through [Memo]:

- iPoS “Policy Application Online Check” function with One-Time-Password (OTP) to verify; or

- Submit copy of valid identity proof by Hong Kong/Macau mobile service provider (e.g., Mobile phone bill statement); or

- ​​​​​​​Submit Amendment to Application For Policy – Shared Mobile Number Form [A25] to provide reason of share mobile phone number.  (Updated: 15 Nov 2022)

Non-HK Permanent Resident (Additional Documents)

1. AIA HK shall require the following identity documents of the applicant who holds a HKID card but has not obtained the Hong Kong Permanent Resident status.

• HKID card copy and,
• A valid travel document (e.g. an unexpired international passport, Exit-entry Permit for travelling to and from Hong Kong and Macau for Official Purposes, etc). or
• A relevant national identity card bearing the individual's photograph; or
• Any government or state-issued document which certifies nationality.

2.  Amendment Form for Politically Exposed Person * For All application with paper form submission [A2]

For Overseas Client - Exclude PRC Client (Additional Documents)

Declaration from Non-Hong Kong Cardholders ([D11])

Amendment Form for Politically Exposed Person * For All application with paper form submission [A2]

PRC ID Holder

For PRC ID Holder case, please refer to the checklist under AIA PRC Business Guideline

• Declaration from Non-Hong Kong Cardholders ([D11])
• AIA Important Fact Statement for Mainland Policyholder ([I3])
• Address Proof if the correspondence address is in Hong Kong
• Age 18 or above :

         1) PRC ID Card (both sides) Copy; and

         2) Travel Documents: - Passport Copy (Information Page) or Copy of Exit-Entry Permit for Travelling to and from HK & Macau (Information Page) and Visa Permit; and

         3) Landing slip issued by Immigration Dept.

Juvenile : Birth Certificate copy or "戶口證明"

Acknowledgement to Application of Policy (For MCV customer) [A21]

          1)  applying CEO Pearl series or Cancer Guardian Pearl series; or

          2)  Insured is HK-born juvenile or HKID cardholder and Applicant is MCV parent to apply the related plans

Amendment Form for Politically Exposed Person * For All application with paper form submission [A2]

Medical requirement / FAQ

• Medical Underwriting Guide (Chinese version) (English version) (Updated: 1 Nov 2019)
• For Routine Medical Requirement [ENG]/[CHI], please refer to the Broker Category “Diamond” (“D”). Please refer to Blood Profile for reference. (Updated: 27 Apr 2018)
• Non-Medical Limits and Guaranteed Issue Offer (GIO) Simplified Issue [ENG]/[CHI] (Updated: 26 Feb 2018)
• Non-Medical Limit of Wealth Series. (Updated: 12 June 2017)
• GLOSSARY FOR COMMON (Updated: 26 Feb 2018)  
• FAQ-Communication with Medical Professionals Regarding Simple Surgeries (Updated: 22 Feb 2017)
• Supplementary Medical Underwriting Guidelines for Cancer Guardian Series / Cancer Guardian Pearl Series (Updated: 16 Apr 2015)
• Ref A2017313 - Metro-Trio Medical & Critical Illness Protection Series FAQ (Updated: 27 Nov 2017)
• Ref A2020332 - 3-Step Guide for simple surgeries and Medical Coverage for diagnostic imaging tests done at outpatient settings / List of simple surgeries (Updated: 03 Sep 2020)

 

Financial requirement / FAQ

• Underwriting Rules for non-income group (Housewives, Juveniles, Students, Retirees and Unemployed),please refer to Financial Underwriting Requirements [ENG]/[CHI] (Updated: 20 Apr 2023)
•  With effective from 01 April 2018, underwriting rules for non-Income Group  is revised as follow: