Personal policy premium payment

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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.

Set up GIRO arrangement to enjoy automatic premium and loan repayments, with instant approval from these 8 participating banks:
Step 1: Login to AIA+ > Tap on 'Payment'.
 
 
Step 2: Tap 'Set up or change recurring arrangement'.

Step 3: Tap 'Set up GIRO'.

Step 4: Select the policy(s) you want to set up for GIRO.
 
Step 5: Select your bank > Declare if you are the bank account holder.
Note: If you are not the bank account holder, you will be directed to complete a Payor Declaration Form.
 
Step 6: You will be directed to your bank portal > Enter your banking credentials to authenticate.
 
Step 7: Select your bank account for GIRO setup.
 
Step 8: You will be directed back to AIA+.
Note: Any recent recurring payment setup made may take some time to be updated on the policy selection page.
 
For other non-participating bank account holders, please download the GIRO form and the Business Reply Envelope.

After your GIRO arrangement is approved, we will deduct your premium based on the schedule below, depending on when your premium is due:
 
Bank Name Policy Premium Due Date Vitality Policy Premium Due Date Deduction Date
POSB/DBS Between 1st - 15th Between 1st - 15th 15th of the month
Between 16th - 24th Between 16th - 31st 24th of the month
Between 25th - 31st Not Applicable 15th of the next month
Other Banks Between 1st - 2nd Between 1st - 15th 2nd of the month
Between 3rd - 20th Between 16th - 31st 20th of the month
Between 21st - 31st Not Applicable 2nd of the next month
 
Note:
  • If the scheduled deduction falls on weekend or Public Holiday, deduction will take place on the next working day.
  • If the scheduled deduction is unsuccessful, another attempt will be made on the next deduction date.

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.

Set up credit card arrangement to enjoy automatic premium payments.
VISA & AMEX cards are allowed ONLY for payment of the 1st policy year premium.
 
Step 1: Login to AIA+ > Tap on 'Payment'.
 
 
Step 2: Tap 'Set up or change recurring arrangement'.

Step 3: Tap 'Set up credit card'.

Step 4: Select the policy(s) you want to set up for credit card arrangement.
 
Step 5: Select your card type > Declare if you are the cardholder.
Note: If you are not the cardholder, you will be directed to complete a Payor Declaration Form.
 
Step 6: Review your payment arrangement.
 
Step 7: You will be directed to your payment partner's platform > Enter card information.
 
Step 8: Review and submit your application.
 
Step 9: You will be directed back to AIA+.
Note: Any recent recurring payment setup made may take some time to be updated on the policy selection page.

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.

Set up your recurring payments through GIRO/Credit Card via AIA+, for faster processing and approval.
 
Mode of set up GIRO set up Credit Card set up
AIA+ Instantaneous approval1 Instantaneous approval1
AXS/Internet Banking Approximately 2 weeks Not applicable
Hardcopy Approximately 2 months Not applicable
 
1Any recent recurring payment setup made may take some time to be updated on the policy selection page

For GIRO/Credit Card setups submitted via AIA+, you will be redirected back to AIA+ after completing your set up, where you can view the status of your application. You will also receive a confirmation letter based on your preferred correspondence.
 
For other GIRO set up methods, you will receive a confirmation letter based on your preferred correspondence.

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.

If your GIRO/Credit Card deduction is unsuccessful:
 
  GIRO  Credit Card 
1st failed deduction Attempt to deduct on the next available deduction cycle Attempt to deduct 15 calendar days after the last deduction
After 4 failed deduction No further deduction will be made No further deduction will be made
 
*Important notes:
  • Some banks may impose charges for unsuccessful deduction
  • For new policies, only one deduction attempt will be made.
If all 4 deduction attempts are unsuccessful, please proceed to make your payment via AIA+, 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.

To cancel your existing GIRO/Credit Card setup:
 
Step 1: Login to AIA+ > Tap on 'Service request'.
 
 
Step 2: Select 'Terminate Recurring Payment'.
 
Alternatively, you may proceed to cancel your GIRO arrangement via your bank's app or portal.

Step 1: Login to AIA+ > Tap on 'Payment'.
 
 
Step 2: Tap "Make one-time payment".

Step 3: Select the policy(s) you want to pay for.
 
Step 4: Select PayNow as payment method.
 
Step 5: Review your payment > Enter your email address.
 
Step 6: A PayNow QR code will be generated valid for 15 mins.
 
Step 7: Log in to your banking app > Scan the QR code or upload a screenshot of the QR code.
 
Step 8: Your payment status will be shown on the page. You will also receive a successful payment notification from the bank, and AIA will send you a payment confirmation via Email/SMS.
 
Note: Any recent payments made may take some time to be updated on the policy selection page.

You may make an instantaneous and secured payment for your policies via AIA+ using your Singapore Issued Mastercard Credit Card. VISA & AMEX card are allowed ONLY for payment of the 1st policy year premium.

Step 1: Login to AIA+ > Tap on 'Payment'.
 
 
Step 2: Tap "Make one-time payment".
 
Step 3: Select the policy(s) you want to pay for.
 
Step 4: Select Credit Card as payment method.
 
Step 5: Review your payment > Enter your email address.
 
Step 6: You will be directed to our Credit Card Payment gateway > Proceed to enter your Credit Card details and authenticate the payment.
 
Step 7: Your payment status will be shown on the page. You will also receive a successful payment notification from the bank, and AIA will send you a payment confirmation via Email / SMS.

Note: Any recent payments made may take some time to be updated on the policy selection page.

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 a Purchase Slip must be attached with a Bank Draft or Cashier Order.
 
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 AIA+.

Policy owner may make loan repayment via:
 
AIA+
 
1. Login to AIA+ > Tap on 'Payment' > Tap "Make one-time payment".
 
 
2. Select the policy for loan repayment > Select PayNow as payment method and complete payment.
Internet Banking
 
When making an Internet Banking transfer for loan repayment, please enter your policy number in the payment reference. Change the first letter of your policy number to "R". Example: If your policy number is L520XXXXXX, enter R520XXXXXX for loan repayment.
 
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.

For excess amounts of SGD 200,000 or below:

The refund will be automatically returned to you via PayNow, using your registered NRIC/FIN. Please ensure that your PayNow is linked to your NRIC/FIN.

For excess amounts above SGD 200,000:
 
Please submit a written request together with your bank statement or passbook, so we can process the refund to your bank account.
 
For USD denominated policies:
 
Excess payment will be refunded via Telegraphic Transfer (TT).

 
To proceed, please submit the Telegraphic Transfer form together with your bank statement or passbook showing the Name of Bank, Bank Branch, Bank's Logo, Account Holder Name(s), and Bank Account Number.

For new policies' initial payment:
 
Two months of premium are required for policy issuance.
 
For renewal premium payments:
 
If your policy is on a monthly payment mode and has already been billed for the following month, you will need to pay 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 is required, you may proceed with payment using the methods outlined below:
 
  • AIA+ > Tap on 'Payment' > Tap 'Make 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.
 
Payment for any excess amount, not covered by MediSave, can be made via:
 
  • AIA+ > Tap on 'Payment' > Tap 'Make one-time payment'
     
 
  • Internet Banking
  • AXS

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.

Follow the steps below to opt for digital documents for your policy
 
Tap on Profile icon
 
 
Tap on Account settings
 
 
Tap on Manage personal policies eDocument
 
 
Select your Policy
 

Follow the steps below to retrieve your premium receipt. 
 
Tap on eDocuments
 
 
Select your Policy
 
 
Tap on Filter
 
 
Tap on Bills and Receipts
 

Depending on your selected correspondence preference, a notification will be sent to you via email, SMS, AIA+ push notification and/or postal mail.
 
Type Of Letter HealthShield Other Policy
Premium Notice Letter
  • 36 days before policy due date
  • On policy due date
  • 21 days before policy due date
  • 3 days before policy due date
Premium Notice Letter Reminder 35 days after policy due date 14 days after policy due date
 
View your premium payment details or access your premium notices anytime on AIA+.

Follow the steps below to check your Premium Due Date on AIA+.
 
Tap on the Portfolio icon
 
 
Select your Policy
 
 
Tap on Premium to view your Premium amount and next premium due
 

Set up GIRO arrangement to enjoy automatic premium and loan repayments, with instant approval from these 8 participating banks:
Step 1: Login to AIA+ > Tap on 'Payment'.
 
 
Step 2: Tap 'Set up or change recurring arrangement'.

Step 3: Tap 'Set up GIRO'.

Step 4: Select the policy(s) you want to set up for GIRO.
 
Step 5: Select your bank > Declare if you are the bank account holder.
Note: If you are not the bank account holder, you will be directed to complete a Payor Declaration Form.
 
Step 6: You will be directed to your bank portal > Enter your banking credentials to authenticate.
 
Step 7: Select your bank account for GIRO setup.
 
Step 8: You will be directed back to AIA+.
Note: Any recent recurring payment setup made may take some time to be updated on the policy selection page.
 
For other non-participating bank account holders, please download the GIRO form and the Business Reply Envelope.

After your GIRO arrangement is approved, we will deduct your premium based on the schedule below, depending on when your premium is due:
 
Bank Name Policy Premium Due Date Vitality Policy Premium Due Date Deduction Date
POSB/DBS Between 1st - 15th Between 1st - 15th 15th of the month
Between 16th - 24th Between 16th - 31st 24th of the month
Between 25th - 31st Not Applicable 15th of the next month
Other Banks Between 1st - 2nd Between 1st - 15th 2nd of the month
Between 3rd - 20th Between 16th - 31st 20th of the month
Between 21st - 31st Not Applicable 2nd of the next month
 
Note:
  • If the scheduled deduction falls on weekend or Public Holiday, deduction will take place on the next working day.
  • If the scheduled deduction is unsuccessful, another attempt will be made on the next deduction date.

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.

Set up credit card arrangement to enjoy automatic premium payments.
VISA & AMEX cards are allowed ONLY for payment of the 1st policy year premium.
 
Step 1: Login to AIA+ > Tap on 'Payment'.
 
 
Step 2: Tap 'Set up or change recurring arrangement'.

Step 3: Tap 'Set up credit card'.

Step 4: Select the policy(s) you want to set up for credit card arrangement.
 
Step 5: Select your card type > Declare if you are the cardholder.
Note: If you are not the cardholder, you will be directed to complete a Payor Declaration Form.
 
Step 6: Review your payment arrangement.
 
Step 7: You will be directed to your payment partner's platform > Enter card information.
 
Step 8: Review and submit your application.
 
Step 9: You will be directed back to AIA+.
Note: Any recent recurring payment setup made may take some time to be updated on the policy selection page.

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.

Set up your recurring payments through GIRO/Credit Card via AIA+, for faster processing and approval.
 
Mode of set up GIRO set up Credit Card set up
AIA+ Instantaneous approval1 Instantaneous approval1
AXS/Internet Banking Approximately 2 weeks Not applicable
Hardcopy Approximately 2 months Not applicable
 
1Any recent recurring payment setup made may take some time to be updated on the policy selection page

For GIRO/Credit Card setups submitted via AIA+, you will be redirected back to AIA+ after completing your set up, where you can view the status of your application. You will also receive a confirmation letter based on your preferred correspondence.
 
For other GIRO set up methods, you will receive a confirmation letter based on your preferred correspondence.

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.

If your GIRO/Credit Card deduction is unsuccessful:
 
  GIRO  Credit Card 
1st failed deduction Attempt to deduct on the next available deduction cycle Attempt to deduct 15 calendar days after the last deduction
After 4 failed deduction No further deduction will be made No further deduction will be made
 
*Important notes:
  • Some banks may impose charges for unsuccessful deduction
  • For new policies, only one deduction attempt will be made.
If all 4 deduction attempts are unsuccessful, please proceed to make your payment via AIA+, 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.

To cancel your existing GIRO/Credit Card setup:
 
Step 1: Login to AIA+ > Tap on 'Service request'.
 
 
Step 2: Select 'Terminate Recurring Payment'.
 
Alternatively, you may proceed to cancel your GIRO arrangement via your bank's app or portal.