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Personal policy premium payment

AIA Consultants / Insurance Representatives are not allowed to collect cash payment on behalf of AIA. Please refer to below for the list of payment methods available.

Apply GIRO for seamless payment of your policy premium & loan repayment with instant approval with these 8 participating banks.
Step 1: Access Pay EZ and Select "Set up or change recurring arrangement".
 
Step 2: Select "Set up GIRO".
 
Step 3: Enter your Identification Number and Date of Birth and authenticate via AIA+ OTP or SingPass QR (Mobile).
 
Step 4: Select the policies you wish to set up for GIRO arrangement.
 
Step 5: Select the bank you wish to set up for GIRO arrangement. 
  • Declare if you are the bank account holder.
  • If you are not the bank account holder, you will be directed to complete a Payor Declaration Form.
  • Upon completion of the Payor Declaration Form, you will be directed to the bank's portal.
Step 6: Enter your banking credentials to perform authentication.
 
Step 7: Select the GIRO account you wish to set up for GIRO arrangement.
 
Step 8: You will be directed back to AIA Pay EZ website for the outcome of the GIRO arrangement.
 
For other non-participating bank account holders, please download the GIRO form and the Business Reply Envelope.

GIRO Deduction Schedule
After your GIRO arrangement is approved, the following deduction schedule applies depending on your premium due dates:
 
DBS/POSB Bank - 15th and 24th of the month.
 
  • If your premium due date falls between 1st - 15th, deduction will take place on 15th of the month.
  • If your premium due date falls between 16th - 24th, deduction will take place on 24th of the month.
  • If your premium due date falls between 25th to 31st, deduction will take place on 15th of the next month.
Note: For Vitality, if your premium due date falls between 1st - 15th of the month, deduction will take place on 15th of the month. If your premium due date falls between 16th - 31st of the month, deduction will take place on 24th of the month.
 
Other Banks - 2nd and 20th of the month.
 
  • If your premium due date falls between 1st - 2nd , deduction will take place on 2nd of the month.
  • If your premium due date falls between 3rd - 20th, deduction will take place on 20th of the month.
  • If your premium due date falls between 21st to 31st, deduction will take place on 2nd of the next month.
Note: For Vitality, if your premium due date falls between 1st - 15th of the month, deduction will take place on 2nd of the month. If your premium due date falls between 16th - 31st of the month, deduction will take place on 20th of the month.
 
* If the scheduled deduction falls on weekends or Public Holiday, deduction will take place on the next working day.
 

To change the GIRO deduction date, please approach your servicing agent to submit a request via POS EZ.
 
Please note that the deduction schedule for the respective banks is as below:
  • DBS/POSB Bank - 15th and 24th of the month.
  • Other Banks - 2nd and 20th of the month.

Apply recurring credit card for seamless payment of your policy premium. VISA & AMEX card are allowed ONLY for payment of the 1st policy year premium.
 
Step 1: Access Pay EZ and Select "Set up or change recurring arrangement".
 
Step 2: Select "Set up credit card".
 
Step 3: Enter your Identification Number and Date of Birth and authenticate via AIA+ OTP or SingPass QR (Mobile).
 
Step 4: Select the policies you wish to set up recurring credit card arrangement for.
 
Step 5: Select the card type and declare if you are the bank account holder. 
 
Step 6: If you are not the bank account holder, you will be directed to complete a Payor Declaration Form.
 
Step 7: Review your payment arrangement.
 
Step 8: Fill in your billing information and your card details.
 
Step 9: Review your information and submit your application.
 
Step 10: Your credit card arrangement is completed, and a Pay EZ reference number is provided to you.

After your Credit Card arrangement is approved, deduction will take place on the premium due date. If the scheduled deduction falls on weekends or Public Holiday, deduction will take place on the next working day.

GIRO
  • AIA Pay EZ: Instantaneous approval
  • AXS/IB: Approximately 2 weeks
  • Hardcopy: Approximately 2 months
Credit Card
  • AIA Pay EZ: Instantaneous approval

For GIRO/Credit Card enrolment via AIA Pay EZ, you will receive an instant notification on the status of the GIRO/Credit Card enrolment. You will also receive a letter informing you on the successful enrolment.
 
For other GIRO enrolment methods, you will receive a letter informing you on the successful enrolment.

Deduction for your loan repayment will take place on 25th of every month. If the scheduled deduction falls on weekends or Public Holiday, deduction will take place on the next working day.

  • Unsuccessful GIRO deduction
We will attempt for another deduction on the next available deduction cycle. There will be no further deduction if the deductions are unsuccessful for 4 consecutive attempts. Please make payment via AIA Pay EZ, AXS or Internet Banking.
Please note that some banks may levy a charge on unsuccessful deductions.
 
  • Unsuccessful Credit Card deduction
We will attempt another deduction 15 calendar days after the last deduction. There will be no further deduction if the deductions are unsuccessful for 4 consecutive attempts. Please make payment via AIA Pay EZ, AXS or Internet Banking.
 
*For new policy, there will only be 1 GIRO/credit card deduction attempt. In the event of unsuccessful credit card deduction, please make payment via AIA Pay EZ website, AXS or internet banking.

If your previous month deduction is unsuccessful, we will attempt the deduction again on the next available deduction cycle. Hence, you may see 2 premium deductions within the same month - 1 deduction for the previous month premium due and 1 deduction for the current month premium due.

The common rejection reasons are:
  1. Insufficient funds - Insufficient funds maintained in your account for deduction.
  2. Refer to Paying Party - To check with the bank.
  3. Amount Exceeded Payment Limit - Amount deducted exceeded the payment limit set up at bank.
  4. Declined card - Card declined by bank.
You may also check with your banks for more details on the reasons of the unsuccessful deductions.

If there is no GIRO/Credit Card deduction, it may be due to the following:
  • There are pending requirements for your new policy.
  • Your premiums are not due.
  • You have made payments via alternative payment method.

VISA/AMEX card is only available for first year premium payments. For premium payments beyond first year, only MASTERCARD is allowed.

  • Cancel existing GIRO arrangement
You may submit your request through either:
1. AIA+ app > My Request > Service Request > Terminate Recurring Payment or
2. Banking app to terminate the existing GIRO arrangement.
 
  • Cancel existing Credit Card arrangement
You may submit your request through either:
1. AIA+ app > My Request > Service Request > Terminate Recurring Payment

You may make an instantaneous payment for your policies using PayNow by scanning or uploading our PayNow QR code generated from AIA Pay EZ
 
Step 1: Access Pay EZ and Select "Make One-time Payment".
 
Step 2: Enter your Identification Number and Date of Birth and authenticate via AIA+ OTP or SingPass QR (Mobile).
 
Step 3: Select the policies you wish to make payment for.
 
Step 4: Select PayNow as payment method.
 
Step 5: Review your payment and enter your Email for us to provide you with the QR code and payment outcome upon successful receipting of payment into your policy.
 
Step 6: A QR code will be generated. 
 
Step 7: Log in to your banking app and scan the QR code or upload a screenshot of the QR code.
 
Step 8: Your payment is completed once you receive a successful payment notification from the bank.

You may make an instantaneous and secured payment for your policies via AIA Pay EZ using your Singapore Issued Mastercard credit card. VISA and AMEX credit cards are currently only applicable for premium payment up to the first policy year.
 
Step 1: Access Pay EZ and Select "Make One-time Payment".
 
Step 2: Enter your Identification Number and Date of Birth and authenticate via AIA+ OTP or SingPass QR (Mobile).
 
Step 3: Select the policies you wish to make payment for.
 
Step 4: Select Credit Card as payment method.
 
Step 5: Review your payment and enter your Email for us to provide you with the payment outcome.
 
Step 6: Pay EZ will direct you to our Credit Card Payment gateway. Proceed to enter your Credit Card details and authenticate the payment using the OTP sent by the card issuer.
 
Step 7: Your payment is completed. A Pay EZ reference number is provided to you.

You may make payment for your SGD policies via Internet Banking Bill Payment for the following banks: 
Please note that it may take up to 2 business days for the payment to be processed.
 
Step 1: Login to your Internet Banking application and Select "Bill Payment".
 
Step 2: Select "AIA Singapore" as billing organisation.
 
Step 3: Input the amount and indicate your 10-digit policy number as reference number.
 
* For Loan repayments, replace the first alphabet to 'R', followed by 9 numeric digit policy number as reference number

You may make payment for your SGD and USD policies via FAST or Local Bank Transfer from your SGD account only.
 
Please note that it may take up to 2 business days for the payment to be processed.
 
If you are paying for your USD policy, please chat with MAIA for the prevailing exchange rate.
 
Here are the details to make a FAST or Bank Transfer into our account.
 
SGD Account
Payee's Name: AIA Singapore Pte Ltd
Bank name: Citibank N.A.
Bank account number: 001-0005-019 (SGD account)
Payment details: Indicate your AIA Policy Number

You may make payment for your policies via AXS at any AXS Stations, AXS e-Station (online) and AXS m-Station (mobile).
 
ATM cards and selected credit cards are accepted at AXS stations. 
 
eNets and selected credit cards are accepted for AXS e-Station (online) at www.axs.com.sg or download AXS m-Station (mobile app) from Apple Store and Google Play.
 
Please note that payment receipts will be issued by AXS and AIA will not be sending another payment receipt to you. It may take up to 2 business days for the payment to be processed.
 
Step 1: Select "Insurance" under Categories.
 
Step 2: Select "AIA Singapore" as billing organisation.
 
Step 3: Select the purpose of payment e.g. New Application, Policy Premium, Loan Repayment, Other Payments* or Vitality Membership.
 
* Other payments refer to payment for reinstatement, addition of rider or top up
 
Step 4: Input your policy number, contact number, Applicant Owner's Name (Name of Policy Holder), Payer's Name, Payer's Identification/Passport Number, Payer's relationship to Policy Holder and amount in SGD
 
Step 5: Review your payment and make payment.

You may make a foreign currency payment for your policies via Telegraphic Transfer.
Foreign currency payment refers to payments that are not denominated in SGD currency.
 
Please note that bank charges will be incurred by the payor.
Depending on the banks, it may take up to 7 business days for the payment to be processed.
 
Here are the details to make a Telegraphic Transfer into our account.
 
SGD Account (For SGD Policies)
Beneficiary bank name: Citibank N.A.
Beneficiary bank code (Swift code): CITISGSGXXX
Beneficiary bank address: 8 Marina View #16-01 Asia Square Tower 1 Singapore 018960
Beneficiary's name: AIA Singapore Private Limited
Beneficiary's account number: 001-0005-019 (SGD account)
Payment details: Indicate your AIA Policy Number
 
USD Account (For USD Policies)
Beneficiary bank name: Citibank N.A.
Beneficiary bank code (Swift code): CITISGSGXXX
Beneficiary bank address: 8 Marina View #16-01 Asia Square Tower 1 Singapore 018960
Beneficiary's name: AIA Singapore Private Limited
Beneficiary's account number: 001-0005-086 (USD account)
Intermediary bank name: Citibank New York
Intermediary bank code (Swift code): CITIUS33
Payment details: Indicate your AIA Policy Number

You may make payment for your policy(s) via cheque, bank draft or cashier order. A charge may be incurred from your cheque issuing bank for usage of Singapore Dollar ("SGD") or USD denominated cheques.
 
Please note that if a third-party payor of acceptable relationship is making payment of more than SGD20,000 (or USD equivalent) on behalf of the policyowner, the policyowner is required to submit an Online Payor's Declaration Form before payment can be accepted by AIA.
 
To write a cheque to AIA:
 
Step 1: Write a crossed cheque made payable to "AIA Singapore". 
 
Step 2: Indicate your policy number, purpose of payment (eg. Premium, Loan repayment, Reinstatement etc) and contact number at the back of the cheque.
 
Step 3: Address the cheque to "CASHIER – AIA TAMPINES" at 3 Tampines Grande AIA Tampines Singapore 528799.
 
You may also download a copy of the Business Reply Envelope.
 
To submit the Online Payor's Declaration Form:
 
Step 1: Access Pay EZ and Select "Third-Party Declaration Form" under Other payment types.
 
Step 2:  Enter your Identification Number and Date of Birth and authenticate via AIA+ OTP or SingPass QR (Mobile).
 
Step 3: Fill up Third-Party Declaration Form and click "Submit". Please indicate all policy numbers if the cheque payment is for more than one policy.
 
Step 4: We may or may not be able to accept the payment immediately depending on the review on the third-party payor.
 
If no further review is required, we will process your cheque payment.
 
If further review is required, we will contact you on the status of the review within 7 business days.

Payment Processing
  1. Once payment via Pay EZ is successful, it will be credited to policy instantly.
  2. Payment via Internet banking bill payment will be processed and credited to policy within 3 working days. 
  3. Payment via AXS will be processed and credited to policy within 2 working days
  4. Depending on the currency, country and bank used, your payment by TT will be treated received on the date when our bank receives the money:
    - Payment received before 12noon will be processed to policy within the same working day
    - Payment received after 12noon will be processed on the next working day.

We accept below Acceptable Relationship Payor to pay on behalf:
 
  1. Spouse
  2. Parents/Parents-In-Law/Step-Parent
  3. Child/Step-Child/Adopted Child
  4. Sibling/Step Sibling/Adopted Sibling
  5. Grandparent
  6. Grandchild
  7. Legal Guardian
  8. Company [At least 25% Shareholding owned by Policy Owner/Insured/Spouse, Parents/Children or combined shareholdings of the related parties, the PH and Insured]
If a 3rd Party Payor is making payment exceeding SGD20K on behalf of Policyowner (via Pay EZ Pay Now/Credit card, Cheque, Bank Draft, Cashier Order) Policy Owner is required to complete online declaration form via Pay EZ.

Policy Owner may make loan repayment via:
  • AIA Pay EZ
  • AXS
  • Internet banking
AIA Pay EZ
Under "Make One-time Payment", select the policy for loan repayment and make payment via PayNow.
 
Internet Banking
For loan repayment please change the first prefix of your policy number to "R" as the payment reference.
Example: Policy number is L520XXXXXX. For loan payment, please change it to R520XXXXXX.
 
AXS
Select "Loan repayment" as the payment option and just indicate the original policy number (e.g. L520XXXXXX).

When a due premium is not received within the grace period, policy will be converted to:-
 
  1. Premium Holiday (Investment-linked Plan only); or
  2. Automatic Premium Loan (APL); or
  3. Extended Term Insurance (ETI); or
  4. Reduced Paid Up Insurance (RPU); or
  5. Lapse if there is insufficient cash/fund value remaining in the policy or policy without cash value.
Grace Period refers to the 31 days that we give you, from the Premium Due Date, for you to pay premiums.

If you pay more than what your policy requires, here's what happens: If the extra amount is SGD$200k or less, it will be automatically refunded to you via PayNow, linked to your NRIC/FIN. For any amount over SGD$200,000, you'll need to let us know, and we'll send the excess back to your bank account. Just provide a written request along with your bank statement or passbook.
 
For policies in USD, any extra payment will be returned to you through Telegraphic Fund Transfer, upon your request by submitting the Telegraphic Fund Transfer form along with your bank statement or passbook.

For New policy Initial Payment, please note that 2 months of premium is required for policy issuance.
 
For Renewal Premium Payment, if your policy is under the monthly payment mode and has been billed to the following month. You are require to remit the premiums due to keep your policy up to date.

If payment is made into the wrong policy, you may approach your servicing agent to submit the proof of payment (e.g. bank statement) documents via POS EZ in order for us to do a transfer of premium to the correct policy.

If you've submitted a request through AIA+ and a short payment required, you may proceed with payment using the methods outlined below.
 
  • AIA Pay EZ (One-time payment)
  • AXS
  • Internet Banking (FAST or Local Bank Transfer)
  • Telegraphic Transfer

The premium for MediShield Life will be paid in full from your MediSave account. Except for HealthShield riders / boosters, the premium for your HealthShield policy can also be paid from your MediSave account, up to the prevailing additional withdrawal limits (AWLs) shown in your premium notice letter.
 
You will have to pay any excess amount using any of these options available: Internet Banking, AXS, AIA Pay EZ for one-time payment using PAYNOW and from your bank account (by GIRO) or by Credit Card etc.

MediSave deduction for new submission/renewal of HealthShield Plan will be extracted on the next available Friday, following the policy commencement / renewal date or cash outlay (if any) received date, whichever is later.

For SA: Proceeds will be remitted to CPF-SA account generally within 1 week.
 
Note: If you have reached 55 years old on 1st Jan 2025, your CPF SA account will be closed. If there is prior cash payment made to the policy, proceeds will be apportioned accordingly as part CPF and cash i.e. CPF proceeds will be allocated to your Retirement Account/Ordinary Account by CPF Board and cash proceeds will be paid out by AIA.
 
For OA: Proceeds will be remitted to your respective investment banks (DBS/OCBC/UOB) generally within 1 week.
 
For SRS: Proceeds will be remitted to your respective investment banks (DBS/OCBC/UOB) generally within 1 week."

You may approach your servicing agent to request for another attempt of CPF deduction via POS EZ.

Deduction will return generally within 1 week.

To opt in for digital documents, login to AIA+ > Profile > Account Settings > Manage eDocument.
 
 
Go to "E-document" under "Request/Document History"
 
Select your policy to view the e-document
 
Select "Filter"
 
Choose the "Bills and Receipts"

Premium receipts are available for retrieval via AIA+ e-documents for non-monthly mode policies.