AIA Philippines has launched AIA Critical Protect Plus, a critical illness insurance plan that enables policyholders to claim up to three times for major illnesses. 

As Filipinos live longer and face a higher risk of experiencing serious illnesses more than once, many are also shifting how they approach their health. Recent findings from AIA Philippines’ Rethink Healthy study show that 70% of Filipinos are adopting a more proactive, future‑oriented approach to their well‑being—driven by a desire to protect their families and prevent risks before they escalate.

This shift is driving the need for protection that goes beyond traditional one-time payout structures. AIA Critical Protect Plus addresses this by providing continued financial protection even if illnesses happen more than once, including benefits for early-stage conditions.

The new product also comes as the insurance industry expands beyond single-claim or limited-duration plans to address more complex, long-term health risks. AIA Philippines introduces AIA Critical Protect Plus as a more flexible solution, allowing customers to customize their coverage through optional add-ons, while integrating wellness features through AIA Vitality.

Built for flexibility and lifetime protection

AIA Critical Protect Plus is designed to let customers tailor their coverage through optional add-ons, offering greater flexibility than traditional fixed plans.

It features a multi-pay structure that enables up to three major critical illness claims, alongside benefits for early-stage conditions, ensuring protection remains even after an initial diagnosis. Coverage extends up to age 100 and spans 106 critical conditions, expandable to up to 146 with riders, reflecting the increasing complexity of health risks over time.

Additional features include optional benefits for emerging conditions, ICU support, and gender-specific cancers, as well as a waiver of premium after a major illness and a compassionate death benefit that provides an additional payout if death occurs after a major critical illness claim.

AIA Critical Protect Plus also integrates with AIA Vitality, AIA’s science-backed wellness program, enabling customers to improve their health while enhancing their protection. Policyholders can boost their coverage by up to 50%, depending on engagement in healthy behaviors, linking protection to everyday health habits.

A shift from one-time coverage to lifetime resilience

The plan is designed to be more accessible, with a minimum coverage requirement of PHP 500,000, alongside flexible payment terms including 10-year, 20-year, or pay-to-age-65 options with protection extending up to age 100.

“As Filipinos live longer, the risk of facing critical illness more than once is no longer unlikely—it’s becoming a reality,” said Melita Teo, Chief Executive Officer of AIA Philippines. “AIA Critical Protect Plus moves beyond one-time protection, giving customers the flexibility and continued coverage they need across multiple diagnoses.”

AIA Critical Protect Plus combines flexibility, broader coverage, and wellness integration to support Filipinos in staying financially resilient through every stage of their health journey.