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AIA Hong Kong
On Your Side Insurance Plan 2
115 illnesses covered, unlimited cancer payouts, total cover up to 1100%, top-tier child protection & Family Care Waiver.
Key Figures
Covers 115 illnesses with unlimited cancer claims, maximum total compensation up to 1100% of the sum insured and premier children’s protection. It is Hong Kong’s leading multi-pay critical illness insurance plan in 2026.
Covered illnesses
115 types
Overall compensation cap
coverage of 1,100%
Age at entry
15th – 65 years old
Premium payment period
10 / 18 / 25 / 30 years
全面保障項目
- 58 種嚴重危疾：確診即賠 100% 保額
- 13 種嚴重兒童疾病：白血病、自閉症、唐氏、ADHD 等
- 中風／嚴重心臟病：各 4 次，每次 100%
- 原位癌全器官：20% 保額，無限次
- 唐氏綜合症保費豁免（市場首創）
- 父母／配偶身故保費豁免（75 歲前）
- 44 種早期／輕度危疾：無限次（每次 20%，不同器官）
- 癌症多次賠：無限次，每次 100%（等候期 1 年）
- 腦退化／柏金遜症：各 2 次，每次 100%
- 累計最高 1100% 保額（100 萬保額最高賠 1100 萬）
- 臍帶血幹細胞移植額外賠償（市場首創）
- 身故賠償：已繳保費／現金價值／保額（取高）
Product Highlights
Unlimited Cancer Payouts · Top Child Cover · Family Premium Waiver · Flexible Rebates
Coverage for 115 diseases and total payout of 1100%
Covers 58 critical illnesses, 44 early-stage conditions, and 13 juvenile diseases. Featuring unlimited and multiple claim options, the policy offers a cumulative maximum payout of up to 1100% of the sum assured.
Unlimited cancer payouts and multiple-stage coverage
It offers "unlimited" cancer payouts (100% per claim, with a waiting period of only one year). Up to four claims each are allowed for stroke and severe heart disease, and up to two claims each for dementia and Parkinson's disease.
Unlimited coverage for carcinoma in situ across all organs.
Provides "unlimited" advance payouts for carcinoma in situ and early-stage diseases across all organs (20% per claim for different organs), with absolutely no impact on coverage for subsequent severe critical illnesses.
Top-tier market-leading protection exclusively for children
100% payout for 13 childhood diseases (including autism, ADHD, etc.). It also features market-first benefits: "Down Syndrome Premium Waiver" and "Additional Payout for Umbilical Cord Blood Stem Cell Transplantation."
Industry-first family care waiver
In addition to premium waivers upon the diagnosis of a critical illness, all remaining premiums will be waived if a parent or spouse passes away before the age of 75, ensuring that love and protection continue even in the face of unforeseen events.
Flexible Premium Top-up and No-Claim Bonus
Industry-first option to top up premiums during good financial times and raise your sum insured. Death benefit pays the highest of paid premiums, cash value or sum insured, plus premium discounts and no-claim rewards.
Premium Reference
保費參考
以下為美元 100 萬保額、25 年繳之參考保費，實際以核保結果為準。
30 歲男性（100 萬美元保額，25 年繳）
約 2,600 美元 / 年
30 歲女性（100 萬美元保額，25 年繳）
約 2,900 美元 / 年
40 歲男性（100 萬美元保額，25 年繳）
約 3,500 美元 / 年
40 歲女性（100 萬美元保額，25 年繳）
約 3,900 美元 / 年
兒童（0 歲，100 萬美元保額，25 年繳）
約 1,400 美元 / 年
* 保費視乎年齡、性別、健康狀況、吸煙習慣及核保結果而定；分紅非保證。
Product Comparison
愛伴航 2 VS 周大福守護 168（加強版）
同屬頂級多次賠償重疾險，愛伴航 2 賠償次數更高、兒童保障更強，守護 168 疾病數量更多、儲蓄穩健。
| 比較項目 | AIA 愛伴航 2 | 周大福守護 168（加強版） |
|---|---|---|
| 疾病數 | 115 種（58 + 44 + 13） | 168 種（86 + 82） |
| 癌症賠償 | 無限次（100%/次） | 最多 4 次（100%/次） |
| 中風／心臟病 | 各 4 次 | 各 2 次 |
| 總賠償上限 | 1100% | 500% |
| 兒童保障 | 13 種重症 + 唐氏豁免 + 臍帶血 | 標準兒童病 |
| 原位癌 | 無限次（20%） | 無限次（20%） |
| 推廣回贈 | 最高 21 個月 | 無 |
| 保費（30 歲） | 2,600–2,900 美元 / 年 | 2,800–3,100 美元 / 年 |
| 適合人群 | 重視癌症／中風／心臟病、家庭、兒童 | 重視疾病數量、儲蓄分紅 |
* 守護 168：核心重疾，確診即賠，補收入損失；VHIS：實報實銷，覆蓋住院及手術費。兩者互補，缺一不可。
Who It's For
Suitable and Unsuitable Client Profiles
Evaluate the suitability of this product against your financial plan and risk preference.
Highly Suitable Clients
- Looking for top-tier multi-pay critical illness insurance, especially prioritising unlimited cancer payouts.
- Have children or planning for a baby, need strengthened child critical illness cover (includes Down syndrome and autism).
- Worried about family income loss. Need premium waiver benefit if parent or spouse passes away.
- Prefers savings-dividend features, with cash value available upon long-term policy holding.
- Already has VHIS medical cover. Add high lump-sum critical illness payout.
Not Recommended Clients
- Only needs hospitalisation cost reimbursement (pair with VHIS medical cover).
- Applicant with pre-existing illnesses upon application (pre-existing conditions are not covered).
- Looking for the lowest premium (savings policies cost more than pure protection plans).
- Cannot accept non-guaranteed dividends.
- Need for flexible cash withdrawals in the short term.