Health Protection
Individual Medical Insurance Solution
Ensuring your child’s future, insuring their education
Becoming a new parent is all about joyful moments and experiences. There will be a fresh focus on life and a strong determination to always take more care to ensure your little one has everything they need to grow up healthy and happy. For all parents, education is a top priority as it provides their child with the best possible start to adulthood.
There is no better gift than a good education. Start planning now for a bright academic future for your child with AIA សម្រាប់កូន.
Policy Term
Enrollment Age
Premium Payment Term
AIA សម្រាប់កូន is designed to fund your child’s education pathway to university, it acts as a companion on the journey towards adulthood and offers protection to safeguard your child’s livelihood if anything unforeseen occurs to you.
The plan offers the following attractive features:
1. Guaranteed Education Benefit
Guaranteed Education Benefit for your child to pursue a university degree, regardless of any event.
2. Additional Education Benefit*
Additional Education Benefit of 100% of Basic Sum Assured in lump sum or 105% of Basic Sum Assured in instalment of Education Benefit will be paid if the insured dies or becomes Total and Permanent Disabled before the payment of Education Benefit.
Graduation Benefit celebrates educational milestones with 3 (three) benefit payouts designed to fit the timing of these milestones: 2% of Basic Sum Assured once your child finishes secondary school, 2% of Basic Sum Assured for high school graduation, and 6% of Basic Sum Assured for university graduation.
This plan provides guaranteed Death Benefit up to 100% of Basic Sum Assured upon the death of the Insured. Future premiums will be waived by AIA to relieve the family’s financial burden while the Education Benefit and Graduation Benefit are guaranteed payable.
This plan provides guaranteed Total and Permanent Disability Benefit up to 100% of Basic Sum Assured, with future premiums waived by AIA upon Total and Permanent Disability of the Insured while Education Benefit and Graduation Benefit are guaranteed payable. After the Total and Permanent Disability Benefit is paid, the Death Benefit will no longer be available.
*Additional Education Benefit will only be applicable to the Insured from the age of 18 at the time you buy the policy and the benefit will be payable if the Insured dies or becomes Total and Permanent Disabled before the payment of Education Benefit (for Lump Sum Option) or the first payment of Education Benefit (for Instalment Option).
AIA សម្រាប់កូន serves in multipurpose solution for different needs:
PROTECTION AGAINST LOSS OF INCOME
An extra protection to ensure your child or your family will be secured and receive additional living allowance annually if any unforeseen happen.
ADDITIONAL PROTECTION AGAINST EVENTS DUE TO ACCIDENT
Increases your protection and ensures that you and your loved ones are financially well covered should any unfortunate accident befall you.
PROTECTION AGAINST UNFORTUNATE INJURIES
Provides you a daily allowance to compensate your income loss in the event of hospitalisation caused by accidents.
PROTECTION AGAINST INVOLUNTARY PREMIUM DISCONTINUANCE
Waives all the future premiums if the Policy Owner passes away or becomes Total and Permanent Disabled or suffers from Critical Illness/Surgery as defined under this Rider during the coverage period.
PROTECTION AGAINST INVOLUNTARY PREMIUM DISCONTINUANCE
Waives all your future premiums if you suffer from Critical Illness/Surgery as defined under this Rider during the coverage period.
ADDITIONAL PROTECTION AGAINST CRITICAL ILLNESS
Provides you a lump-sum fund upon diagnosis of up to 26 conditions of cancer, brain, liver, lung, kidney, heart and vascular system diseases from early stage to late stage as well as major organ transplantation. With up to 50% of the payout starting from early stage, all you need to focus on is
your recovery, not the medical bills.