Life Insurance

Life Insurance

DFCC Bank has exclusively partnered with AIA Insurance Sri Lanka (AIA) to offer Life Insurance related products to the bank customers.

Retirement

Retirement

AIA Easy Pension

A comprehensive plan for the retirement with simple steps.

AIA Easy Pension offers you

  • The option to get the Maturity Benefit as a lump sum or opt for a monthly pension for a period of 5 – 30 years.
  • An attractive boost to your pension fund with a loyalty reward at the 10th,15th and 20th policy year (depending on the premium mode you choose).
  • A life insurance benefit for your family if you pass away.
  • An Accident Benefit for your family in the event of your death or becoming totally/partially disabled due to an accident.
  • Premium Protection Benefit – AIA will continue your policy by paying premiums on your behalf, if you pass away or become totally and permanently disabled.
  • Flexibility to withdraw up to 15% of your funds in an emergency.
  • Ability to select from 4 pension packages at your convenience.
  • A monthly pension enriched with a dividend booster by paying 30% more than the Annual Dividend Rate each year.
  • A daily cash income of up to LKR 4,000 per day if you get hospitalized for over 3 days, so that you can cover your daily expenses.
  • Critical Illness Benefit to protect yourself financially against 22 Critical Illnesses including cancer, heart attack, stroke and kidney failure.
  • Issued age 19-61 years [Next birthday]. Maximum maturity age up to age 76.

 

AIA Smart Pensions

A pensions plan guaranteeing an increasing income in retirement to combat inflation.

AIA Smart Pensions offers you

  • A professionally managed pension fund increased further by a large loyalty reward up to 1750% of your annual premium.
  • The choice of selecting a pension fund at maturity as a lump sum or a monthly income for a period of 10 – 30 years.
  • A monthly pension enriched with a dividend booster by paying 30% more than the Annual Dividend Rate each year.
  • Premium Protection Benefit – AIA will continue your policy by paying premiums on your behalf, if you pass away or become totally and permanently disabled.
  • A Life Benefit for your loved ones with the option of receiving it as a lump sum or a monthly income until the selected retirement date in the unfortunate event of your death.
  • Funeral Expense Benefit up to a maximum of Rs. 500,000, if you pass away during the pension receiving period.
  • Flexibility to withdraw up to 15% of your funds in an emergency.
  • Family hospital expense cover for the medical expenses of your family which can be reimbursed for hospitalization.
  • Issued age 19-61 years [Next birthday]. Maximum maturity age up to age 76.

Protection

AIA Super Protector

A personalized solution with affordable premiums for your Protection needs.

AIA Super Protector offers you

  • Choose from a Life Benefit amount between Rs. 1 million and Rs. 500 million.
  • Your Life Benefit increases by 5% at each Policy Anniversary (on a simple straight-line basis) until the end of the Policy Term or until a death claim is made.
  • An increasing family income for your loved ones even in your absence.
  • The ability to receive all the premiums paid, if you do not make a death claim.
  • 6 optional benefits for you to select in order customize your protection solution (Accident Death Benefit, Permanent Disability Benefit (TPD/PPD), Family Income Benefit, Critical Illness Benefit, Returning of Premiums Paid Benefit and Premium Protection Benefit).
  • Issued age: age 19 – 66. Maximum maturity age up to age 75.

 

AIA Super Protector Flexi

A personalized solution with a limited premium paying term for your protection needs.

AIA Super Protector Flexi offers you

  • Choose from a Life Benefit amount between Rs. 1 million and Rs. 500 million.
  • Your Life Benefit increases by 5% at each Policy Anniversary (on a simple straight-line basis) until the end of the Policy Term or until a death claim is made.
  • An increasing family income for your loved ones even in your absence.
  • 4 optional benefits for you to select in order customize your protection solution (Accident Death Benefit, Permanent Disability Benefit (TPD/PPD), Family Income Benefit, and Premium Protection Benefit).
  • Issued age: age 19 – 56. Maximum maturity age up to age 75.

Savings

AIA Education Plan

A life insurance product specifically designed to safeguard your child’s education plans.

AIA Education Plan offers you

  • A fund that will earn dividends each year so that your child’s education fund continues to grow over time.
  • An education fund for your child even if you are not around or become totally permanently disabled during the policy term.
  • A life insurance benefit for your family if you pass away.
  • Loyalty reward up to 400% of your annual basic premium on the 10th policy anniversary.
  • Freedom to decide your payment Frequency – Monthly, Quarterly, Half Yearly or Annually.
  • An Accident Benefit for your family in the event of your death or becoming totally/partially disabled due to an accident.
  • Issued till age 19 – 61 [Next Birthday]. Maximum maturity age up to age 75.

Health

AIA Health Protector

A comprehensive health cover that allows to afford the best healthcare anywhere in the world.

AIA Health Protector offers you

  • Worldwide coverage on hospitalisation expenses up to Rs. 50 million.
  • Convenience of cashless hospitalisation at over 60 hospitals in Sri Lanka and overseas.
  • Coverage for 37 illnesses including cancer, stroke, heart attack, kidney failure.
  • Daily cash income up to Rs. 20,000 per day, to deal with any unexpected expenses due to hospitalization.
  • A large health fund at maturity so you can continue to afford quality healthcare even after 70.
  • Able to withdraw up to 15% of your health fund during any emergency.
  • With the Self-Pay option, you can opt to bear the initial hospitalisation expenses and enjoy discounts up to 76% on your annual premium each year.
  • Worldwide coverage for 250 surgeries and 136 one-day surgeries.
  • Inbuilt benefits such as coverage for wellness, dental, maternity and hospitalization in ayurvedic hospitals.
  • Issued age: age 19 – 61. Maximum maturity age up to age 70.

*Excluding US and Canada
 

AIA Suwa Diriya

A plan to mitigate any financial strain caused by a critical illness.

AIA Suwa Diriya offers you

  • A life insurance plan which provides you with a coverage for 4 major common critical illnesses (Heart, Cancer, Kidney Failure and Stroke).
  • Covers you for a specific set of minor heart related illnesses / surgeries and early stage cancer.
  • Waiving off the premiums for the next 3 years in the event of a claim due to a minor stage heart disease or early stage cancer.
  • Waiving off the premiums for the rest of the policy term in the event of a claim due to major heart disease, major stage cancer, stroke or kidney failure, depending on the package you select.
  • ‘Recovery Benefit’, which provides a monthly income during the recovery phase of a critical illness (In the event of a claim due to major heart disease, major stage cancer, stroke or kidney failure).
  • A Life Benefit to help your loved ones in the unfortunate event of your death.
  • ‘No Claim Privilege’ which increases your Critical Illness Benefit and Life Benefit in each policy anniversary.
  • ‘Returning of Premiums Paid’ option – If you do not make any claim during the policy term, you will receive all the premiums paid back during the policy term.
  • Issued age: age 19 – 60. Maximum maturity age up to age 70.