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AIA iEasy Protect is a modular insurance protection plan2.
Protection can be adjusted flexibly across life’s journey3,4 based on your needs.




Modular covers2 include:

  • Life Protection

Protection for your loved ones

Your beneficiary will receive a death benefit if you pass away.

Conversion Privilege This Term Life Protection can be converted into a whole life protection8 without requiring additional health information.

  • Hospital Cash Protection

Supplement your day-to-day expenses during recuperation

You will receive up to HK$1,000 per day for a maximum of 750 days if you are admitted into the hospital for the same confinement due to a covered illness or covered injury.

  • Critical Illness Protection

Timely protection for major urban critical Illness

You will receive a lump sum benefit if you were diagnosed with a covered cancer, stroke or heart attack, providing you and your loved ones with valuable support on your recovery journey

  • Accident Protection

Focus on your recovery

You will receive a lump sum amount to lessen the financial burden on you and your family if you suffer any of the injuries listed in the benefits schedule for the Accidental Death & Dismemberment Benefit within 180 consecutive days after an accident or if an accident leaves you totally and permanently disabled.

  • Compassionate Death Benefit5

Further support for your loved ones through trying times

Your beneficiary will receive HK$5,000 lump sum cash if you pass away.

This page does not contain the full terms of the product and the full terms can be found in the policy contract.


Apply now to enjoy a range of protection in just one plan.

Up to 4 modular covers2 , application as fast as 10 mins. Getting the right protection has never been easier.

Research done for you
AIA has conducted market research1 to understand the protection needs of Citi customers like you, saving you time on research and quotation.

Mobile application made simple and easy
With only a few medical underwriting questions, the mobile application can be completed as fast as 10 mins without the hassle of medical examinations.

Apply with autonomy, assistance is there if required
Get assistance during the mobile application if the protection plan needs to be personalized3 . You can also adjust your protection to meet your changing needs at different life stages4.

Why would I need AIA iEasy Protect?

One comprehensive protection to keep up with your life journey. A flexible plan that can be adjusted to your changing needs3,4, providing financial support to you and your loved ones.
(The following examples are hypothetical and for illustrative purposes only.)

Ambitious Young Professional
Jeremy, single with limited budget and living with his elderly parents.

Learn more >

Family First
Eric, newlywed with plans to have children in 2-3 years.

Learn more >

Thinking about Retirement
Emily, married senior manager with a 13 years old son.

Learn more >

Get a quote now!

How to get a quote and experience a seamless application via Citi Mobile® App?

Login to Citi Mobile App. Then click “Get More”.



Frequently asked questions


  1. AIA commissioned Swiss Re to conduct a Conjoint Analysis regarding “Risk Concepts and Relative Value” through a local market research firm from 5 October 2019 to 8 January 2020. The study interviewed more than 1,000 Citibank customers in Hong Kong, aged 25 – 65 to analyse their protection needs and preferences.
  2. Modular Covers are optional benefits exclusively available under AIA iEasy Protect.
  3. AIA iEasy Protect is available exclusively to selected customers. For online application, the protection plan with pre-determined Modular Covers and sum assured will be offered to the selected customers without any modification. The selected customers can get assistance during the online application if the protection plan needs to be personalized.
  4. Please note that the application and subsequent increase in protection are subject to underwriting (if applicable).
  5. The Compassionate Death Benefit automatically becomes part of the policy once you purchase any Modular Covers.
  6. All premiums (including renewal premiums) shown above are based on the standard premium rate and do not include any extra premiums due to loading. Such premium rate is non-guaranteed and subject to revision by AIA from time to time.
  7. “Premium as low as HK$7 a day” refers to the average daily premium (rounded-up) calculated based on the monthly premium for 25 years old Male, non-smoker (HK$200.60). And assume there are 30 days in each month. All premiums shown above are based on the standard premium rate and do not include any extra premiums due to loading.
  8. On or before the anniversary of cover immediately following the insured’s 70th birthday, the Term Life Protection of the protection plan can be converted into a whole life protection insurance plan.


  1. The indicated protection types and sum assured are for your reference only. We are not recommending a specific insurance product to you.
  2. The research findings serve only as a reference for your consideration. It does not constitute as an advice and should not be regarded as a recommendation, or an offer to sell or a solicitation to buy any insurance products or services. You should base on your own circumstances to choose the product and the coverage that are suitable to you.
  3. If you need to adjust the coverage or if you have any questions or other insurance needs, you can get assistance by clicking the Chat button on the page anytime during the online application journey.
  4. The policyholder will be subject to the credit risk of AIA International Limited.
  5. The above product information does not contain the full terms of the product, for the details of the product features, terms and conditions, exclusions and key product risks, you may refer to the product brochure and policy contract of relevant products. In case you want to read policy contract sample before making an application, you can obtain a copy from AIA.
  6. “AIA” or “AIA Hong Kong” herein refers to AIA International Limited (Incorporated in Bermuda with limited liability).

AIA iEasy Protect is a non-participating life insurance product underwritten by AIA International Limited (Incorporated in Bermuda with limited liability)

Citibank (Hong Kong) Limited - Important Notes from the insurance agent:

  1. Citibank (Hong Kong) Limited, being registered with the Insurance Authority as a licensed insurance agency, acts as an appointed licensed insurance agent for AIA International Limited (the "Insurance Company").
  2. Citibank (Hong Kong) Limited's role is limited to distributing insurance products of the Insurance Company only and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the provision of the products.
  3. Insurance products are products and obligations of the Insurance Company and not of Citibank (Hong Kong) Limited. Insurance products are not bank deposits or obligations of, or guaranteed or insured by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency.
  4. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between you and Citibank (Hong Kong) Limited out of the selling process of any insurance product conducted by Citibank (Hong Kong) Limited as agent for Insurance Company or the processing of the related transaction, you may enter into a financial dispute resolution scheme process with Citibank (Hong Kong) Limited in accordance with the applicable rules in Hong Kong. However any dispute over the contractual terms of insurance products should be resolved directly between you and the Insurance Company.
  5. All insurance applications are subject to Insurance Company's underwriting and acceptance.
  6. The Insurance Company is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
  7. Citibank (Hong Kong) Limited will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
  8. You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
  9. For any policy service enquiries, please contact the relevant licensed bank staff or the Insurance Company.
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