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Log in Citi Mobile App to learn more and get a quote now

Log in Citi Mobile App to get a quote now to enjoy HK$20 cash rebate5!

Purchase online before 30 September 2021, enjoy up to 3 months of premium rebate5 and additional HK$1,000 credit card spending rebate5.

What is AIA iEasy Protect?

AIA iEasy Protect is a modular insurance protection plan with a range of Modular Covers

that provide specific protection based on your current needs3, and can be adjusted flexibly across life’s journey4.

 

Modular covers include:

Life Protection

Your beneficiary will receive death benefit if you pass away.

Hospital Cash Protection

You will receive up to HK$1,000 per day for a maximum of 750 days if you are admitted into hospital for the same confinement due to a covered illness or covered injury. This gives you extra flexibility to supplement your day-to-day expenses during your recuperation.

Critical Illness Protection

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

Lump sum amount you will receive 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 Benefit6

Your beneficiary will receive HK$5,000 lump sum cash if you pass away, providing further support for your loved ones during difficult times.

Learn more about the protection needs at different life stages

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

A modular insurance plan to make your life easy

To tailor a protection plan that truly suits your needs, Citi believes we must first understand your mindset.
Research done for you
Research done for you

We understand how busy you are at your life stage. Therefore, AIA has conducted market research1 to understand the protections people need at different life journey, saving your precious time on research and quotation.

Mobile application made simple and easy
Mobile application made simple and easy

With only a few medical underwriting questions, the mobile application can be as fast as 10 mins without the hassle of medical examinations.

Apply with autonomy, assistance is there if required
Apply with autonomy, assistance is there if required

You can get assistance during the mobile application if the protection plan needs to be personalized. You can also adjust your protection to meet your changing needs at different life stages4.

Experience a seamless application in Citi Mobile App

Exclusive offer

Log in Citi Mobile App to get a quote now to enjoy HK$20 cash rebate5!

Purchase online before 30 September 2021, enjoy up to 3 months of premium rebate5
and additional HK$1,000 credit card spending rebate5.

You should read the product brochure and other product documents and
understand the product’s features and risks before proceeding with the application.
For details, please refer to the product brochure, product provisionand Exclusive Offer Terms and Conditions

Learn more, get a quote now and enjoy the offer

How does AIA iEasy Protect provide you the protection you
need at different life stages?

Have a look at the examples below

(The following examples are hypothetical and for illustrative purposes only.)

Jeremy
(Policy owner and insured)

Aged 25 (non-smoker)
Occupation: Accountant
Family status: Single and living with his elderly parents

Like many young professionals, Jeremy does not have a lot of saving. While enjoying his life, he also wants to take good care of his parents. He wants to make sure that his aging parents are financially well protected if the worst should happen. He thus decides to purchase iEasy Protect – a plan which offers him flexible protection that matches his needs and keeps up with the changing situations he may experience throughout his life’s journey.

Apply now

Age 25

Jeremy’s choice of AIA iEasy Protect Modular Covers at age 25: Monthly premium: HK$290.607
Modular CoversSum Assured / Benefit
Life ProtectionHK$1,130,000
Hospital Cash ProtectionHK$1,000/Day
Critical Illness ProtectionHK$1,130,000
Accident ProtectionHK$500,000
Compassionate Death Benefit6HK$5,000
Refer a friend

Age 30

Jeremy gets married and decides to adjust his protection to provide greater assurance for his family. He adjusts the Term Life Protection and Critical Illness Protection level4 in his protection plan.Monthly premium: HK$470.407
Modular CoversSum Assured / Benefit
Life ProtectionHK$2,000,000
Hospital Cash ProtectionHK$1,000/Day
Critical Illness ProtectionHK$1,130,000
Accident ProtectionHK$1,000,000
Compassionate Death Benefit6HK$5,000
Miles calculator

Age 35


Jeremy is involved in a car accident and unfortunately suffers a serious injury, resulting in permanent loss of both legs.
He needs to stay in hospital for two months.

A lump sum amount of HK$1,000,000 under the Accidental Death & Dismemberment Benefit of the Accident Protection, and a Hospital Cash of HK$1,000 for each day of his hospitalisation for the accidental injury can be payable, supporting his family and supplementing the day-to-day expenses during the recuperation period.

Eric
(Policy owner and insured)

Aged 35 (non-smoker)
Occupation: Marketing Manager
Family status: Married

The newlywed Eric always puts family first. He and his wife plan to have children in two to three years. Therefore, he is looking for a protection plan that caters to his needs at different life stages, as well as provides the peace of mind that his wife and children need. Therefore, he purchases AIA iEasy Protect, a flexible and diverse protection plan.

Apply now

Age 35

Eric’s choice of AIA iEasy Protect Modular Covers at age 35: Monthly premium: HK$403.607
Modular CoversSum Assured / Benefit
Life ProtectionHK$1,130,000
Hospital Cash ProtectionHK$1,000/Day
Critical Illness ProtectionHK$1,130,000
Accident ProtectionHK$500,000
Compassionate Death Benefit7HK$5,000
Refer a friend

Age 38

Eric and his wife are expecting a child. As a father-to-be, he wants to secure more advanced protection for his baby, and so he adjusts the protection level4. Monthly premium: HK$7157
Modular CoversSum Assured / Benefit
Life ProtectionHK$2,000,000
Hospital Cash ProtectionHK$1,000/Day
Critical Illness ProtectionHK$1,500,000
Accident ProtectionHK$1,000,000
Compassionate Death Benefit7HK$5,000
Miles calculator

Age 45


Eric is diagnosed with colorectal cancer.
Payable to Eric and his family will be a lump sum amount of sum assured HK$1,500,000, under the Major Urban Critical Illness Benefit of the Critical Illness Protection, and a Hospital Cash of HK$1,000 for each day of hospitalisation (up to a maximum of 750 days) for his colorectal cancer. These payments will support Eric and his family on his road to recovery.

Emily
(Policy owner and insured)

Aged 43 (non-smoker)
Occupation: Senior Human Resources Manager
Family status: Married with an 8 years old son

Emily excels in her career and has a loving family with an 8-year-old son in primary school. Emily wishes to prepare for her son’s future and her own retirement life. This is why she purchases iEasy Protect – a flexible yet comprehensive protection plan.

Apply now

Age 43

Emily’s choice of AIA iEasy Protect Modular Covers at age 43: Monthly premium: HK$775.207
Modular CoversSum Assured / Benefit
Life ProtectionHK$380,000
Hospital Cash ProtectionHK$1,000/Day
Critical Illness ProtectionHK$1,130,000
Accident ProtectionHK$500,000
Compassionate Death Benefit7HK$5,000
Refer a friend

Age 50

7 years later, Emily is thinking about earlier retirement and wants to adjust her protection plan to provide greater assurance for herself and her family3.Monthly premium: HK$1,3967
Modular CoversSum Assured / Benefit
Life ProtectionHK$380,000
Hospital Cash ProtectionHK$1,000/Day
Critical Illness ProtectionHK$1,500,000
Accident ProtectionHK$1,000,000
Compassionate Death Benefit7HK$5,000
Miles calculator

Age 53


Emily is diagnosed with breast cancer.
Payable to Emily and her family will be a lump sum amount of sum assured HK$1,500,000, under the Major Urban Critical Illness Benefit of the Critical Illness Protection, and a Hospital Cash of HK$1,000 for each day of hospitalisation (up to a maximum of 750 days) for her breast cancer. These payments will support Emily and her family on her road to recovery.

Look-alike your life journey? Learn more and get a quote now

Follow below steps to logon
Citi Mobile App to get your quotation and
experience a seamless application

Login to Citi Mobile App. Then click “Get More”.
1
2
3
4

*Images are for reference only

Click the above Chat button on the page anytime during the mobile application journey if you wish to
adjust the coverage of the protection plan, or if you have any questions or other insurance needs.

Please download the latest version of Citi Mobile® APP

  

Frequently asked questions

  • How can I adjust my coverage or sum assured based on my future needs?

    Any change in the initial sum assured is allowed and policyowner could add or terminate modular cover by submitting the relevant request form to AIA*. Request form can be downloaded from AIA Website www.aia.com.hk (Help & Support > Form Library > Policy Administration).
    *Underwriting is required for adding modular cover.

  • How can I make a claim for my iEasy Protect plan?

    The policyowner or beneficiary can submit a claim request to AIA. Claim form can be downloaded from AIA Website www.aia.com.hk (Help & Support > Form Library > Claims).

  • If I move to another country, can I keep the policy and still have my claim paid out?

    Unless otherwise specified, the policy does not restrict where the insured may live or travel or his/her occupation after the issue date or most recent commencement date of the basic policy or the modular cover (if the policy was reactivated).

    *For hospital cash protection, covered countries or places: Hong Kong, Macau, Malaysia, Thailand, Taiwan, Japan, South Korea, Singapore, United States of America, Canada, Australia, New Zealand and Western Europe (Austria, Belgium, Denmark, Finland, France, Germany, Greece, Iceland, Ireland, Italy, Luxembourg, Monaco, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom and Vatican City). Please refer to the "Product Limitations" section in the product brochure for details.

Remarks:

  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 iEasy Protect.
  3. 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. Promotion period is from now until 30 September 2021. Terms and conditions apply, please refer to the Terms & Conditions for details.
  6. The Compassionate Death Benefit automatically becomes part of the policy once you purchase any Modular Covers.
  7. 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.
  8. The life/ general insurance product mentioned above is not offered to individual resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man and United Kingdom. This page is not intended as a recommendation or an offer or solicitation for the purchase or sale of any of the insurance products to such individuals.

Disclaimers:

  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.
  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)

Please refer to product brochure for details including “Key Product Risks”, “Warning Statement”, and “Additional Important Information”.

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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