AIA Protect 3

Arm yourself against the 3 big risks

Get up to 15% of your premiums back in AIA Vitality coins

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AIA Protect 3

Multi-stage protection for cancer, heart attack and stroke

Currency

S$

Period

Term

AIA Vitality member exclusive

Get up to 15% of your premiums back in AIA Vitality coins

Exclusive offer for AIA customers & families

This product available exclusively to existing AIA individual and corporate customers, and their spouses and children.

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Benefits for you

Protection that suits & stands by you throughout

Three coverage options to protect you against early, intermediate and major stages of the top 3 CIs

Coverage for the years ahead

Enjoy peace of mind with a plan that covers you up to age 85

Stay healthy, get rewarded

Stay claim-free and get 25% of your coverage back at age 65 or after 15 years, whichever is later

It pays to start early

Start early and enjoy lower premiums from S$0.56/day. Plus, the option to pay fixed premiums from age 70

Simple sign-ups, no medical checks

Get your coverage in minutes by simply answering 4 questions

Extra protection for gender-specific cancers

Get greater financial assurance with a 15% payout for major stage gender-specific cancers from year 3

Extended healthcare support

From global specialist advice to home care support, be connected to quality care at every step.​​

Learn more

More info

 
Teladoc Health
Receive personalised medical support from diagnosis, treatment, through to recovery for critical medical conditions from a panel of over 53,000 leading global specialists under Teladoc Health and get personalised support and guidance from their case management team.

This Personal Case Management service is limited but not exclusive to insureds of AIA Protect 3. To access this service, please call (65) 6643 9195.
 
 
WhiteCoat Telemedicine
A service that allows you to video consult with Singapore-registered doctors at your convenience. Enjoy negotiated fee^ for teleconsultation and have your prescribed medicine delivered to your doorstep.​​
 
^ Cost excludes GST, medication, delivery charges, medical tests, imaging, or examination, where applicable.
 
 
Jaga-Me
Recover in the comfort of your home with Jaga-Me, a local mobile medical and home care provider. Enjoyed negotiated rates for home nursing and home medical services provided by qualified healthcare practitioners, to support your recovery journey.
 
To access this service, please call (65) 6717 3737.
 

Join AIA Vitality and enjoy up to 15% of your premiums back in Vitality coins with Vitality Coin Boost

Sign up for AIA Vitality and enjoy Vitality Coin Boost for AIA Protect 3. Complete one Weekly Fitness Challenge within 100 days from policy issue date and earn 5% of your first gross annualised premium back in Vitality coins with the Engagement Booster.
 
Keep up a healthy lifestyle and level up your Vitality status to get up to 15% of your previous year's gross annualised premium back in Vitality coins from the second year with the Annual Insurance Booster.
 
On top of that, you can enjoy exciting benefits like weekly rewards and discount on gym memberships, fitness devices, movie tickets and more.
 
Click here to read more on AIA Vitality.

Get S$95 voucher + extra 10% of premium^ back in Vitality coins for AIA Vitality members. Till 31 July 2026.

^ AIA Protect 3 Promotion T&Cs apply.

Find out more

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More ways to keep you protected

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Terms & conditions

  • Gen Re. (2022, July 26). The Gen Re dread disease survey: Key takeaways for the Singapore market.
  • The critical illness benefit payable will be higher of (i) 100% of the coverage amount, or (ii) the total annual premiums paid (excluding any premium adjustment for non-annual premium payment mode), after deducting any cashback paid.
  • A one-time payout of 25% of the coverage amount under the cashback benefit will be paid if no claims have been made, on the policy anniversary on or after the insured's 65th birthday, or 15 years from the policy date, whichever is later. Your policy will continue to provide coverage for critical illness and gender-specific cancers thereafter.
  • The premium of $0.56/day is based on a 16-year-old male, non-smoker at the age of entry, with a coverage amount of S$100,000, calculated using the annual premium rate divided by 365 days.
  • Premiums will increase with age, and are not guaranteed; they may be adjusted based on future claims experience of the plan or changes in regulatory requirements. You will be advised on revision in your premium rate, if any. You can opt for fixed premiums at any time before the policy anniversary on or after age 70.
  • The gender cancer benefit is only payable once and does not reduce the coverage amount upon payout.
  • Both Engagement Booster and Annual Insurance Booster under the Vitality Coin Boost are calculated based on a standard premium (exclusive of GST) and are not applicable on any extra premiums due to loading.

Value-added services provided by our partners are not contractual benefits. They are independent third-party companies. AIA shall not be responsible or liable for any medical service, product and solicitation effort provided by them, which is not sold or marketed by AIA. AIA shall not be held responsible or liable in any way for any action, omission, advice or information that is given, or statements made by any service providers or other persons (including healthcare providers) arising from or in connection with this service. Any and all personal data provided to us will be used to ascertain your eligibility to access the services and other information herein. The collection, use, disclosure, and retention of your personal data is subject to the AIA Personal Data Policy (Singapore), to which you agree and accept. AIA reserves the right, at its sole and absolute discretion, to cancel, terminate and/or withdraw the value-added services any time or for any reason without notice.
 
This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) ("AIA"). All insurance applications are subject to AIA's underwriting and acceptance. This is not a contract of insurance. The precise terms and conditions of this plan, including exclusions such as pre-existing conditions whereby the benefits under this plan may not be paid out, are specified in the policy contract. Waiting period and survival period are applicable before the benefits will be payable. Any claim or benefit payable is subject to deduction of any amounts owing to us. You are advised to read the relevant policy contract for details and the definition of all covered conditions.
 
You are recommended to read the product summary and seek advice from an AIA Consultant/Insurance Representative for a financial analysis before purchasing a policy suitable to meet your needs.
 
Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for early policy termination and the new policy may cost more or have fewer benefits at the same cost.
 
This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
 
This advertisement has not been reviewed by the Monetary Authority of Singapore.
 
The information is correct as at 19 May 2026.