AIA Vitality – The What, Why and How

[vc_row][vc_column][vc_column_text]Disclaimer: I am not sponsored by AIA to write about this and I am not an agent from AIA. However, I am a Licensed Financial Planner and I am writing this article from a client’s perspective because I recently joined the AIA Vitality membership.

 

As a financial planner, we have access to the details of most insurance plans in Malaysia. I chose AIA for my personal medical card for various reasons, but this article is not about comparing medical cards. After reading this article, do not assume that AIA is the best medical card as everyone has different needs.

If you need help choosing what is the most suitable insurance for you, you can engage my service HERE.

 

The WHAT

 

 

 

AIA Vitality is a partnership between AIA and Vitality, an internationally acclaimed wellness program to provide their members with a unique service that combines insurance and a health programme that rewards their members for making healthy choices every day.

According to AIA’s website:

 

“AIA Vitality is a science-backed wellness programme that helps you make positive change to your health. Get the knowledge, tools and motivation you need to do well on your journey towards healthy living. Not only does AIA Vitality encourage you to get healthier, research shows that engaged members have lower healthcare cost too.”

 

Of course, other insurance companies have different ways to encourage their clients to embark on a healthier lifestyle.

  • Great Eastern have the Live Great Programme;
  • Prudential have Pulse;
  • AXA Affin have the Step it Up Programme; and
  • Sun Life have SunActiv.

Personally, what makes AIA Vitality more interesting (to me) than the other competitor is the active engagement that is required from AIA Vitality rather than just a passive loyalty program to get discounts here and there.

 

The WHY

I joined AIA Vitality for 2 main reasons:

1. Increase in Insurance Protection

This may not be as exciting as it sounds. However, to me, this is where I see the value of AIA Vitality.

 

https://www.aia.com.my/content/dam/my/en/docs/individuals/medical-protection/a-plus-heath-product-brochure.pdf

 

For example, one of the benefits from AIA Vitality is “Hospital Room and Board Benefit Upgrade”.

By being healthy and active, I can get a free upgrade of up to 100% of my initial Room and Board benefit amount. In other words, if I were to get a higher Room and Board benefit without AIA Vitality, this insurance policy may cost me at least RM1,000 more.

 

2. Various Lifestyle Benefit

Being a millennial, I am also attracted by these lifestyle benefits:

 

  • Save up to 50% on AirAsia’s airfare
  • Get free Movie Tickets
  • Save up to 50% on Fitness First (all access) gym packages
  • Enjoy 10% off HealthyFood from Jaya Grocer
  • Save up to 50% on selected screenings from BP Healthcare
  • Get RM10 Voucher every 2 weeks for Shopee, GrabFood or BoostJuice

(This list is subject to change, please visit AIA Vitality Website for more information)

 

The HOW

So, these are the steps on how to be a member of AIA Vitality:

1. Sign Up

To be a Vitality member in Malaysia, the only way to join is by being a client of AIA. If you have an older AIA policy, you can check if you are eligible for Vitality here.

If you are not eligible for AIA Vitality, you can contact any AIA agent. If not, you can contact me in the form below:

 

2. Stay Healthy

As a member of AIA Vitality, you are required to download the AIA Vitality app onto your phone to keep track of your daily activities.

This app provides tips on how we can earn points to achieve a healthier lifestyle.

Higher points will unlock different AIA Vitality Status (Bronze, Silver, Gold, Platinum) which will in turn unlock more rewards. Here’s some example on how you can earn points:

  • Online Health Assessment
  • Health Check
  • Fitness Test
  • Exercise / Track Steps
  • Buy HealthyFood
  • Compete with friends
  • Complete goals and challenges

 

3. Get Rewarded

As mentioned, the more points you collect, the higher status you will get, and you will unlock better rewards.

Here’s an example of how it works:

AIA Vitality Status Hospital Room & Board Upgrade AirAsia Airfare
Bronze No Upgrade 10% off
Silver No Upgrade 20% off
Gold Upgrade by 50% 35% off
Platinum Upgrade by 100% 50% off

 

Do note that points run for one membership year and are reset to 0 at the beginning of the new membership year.

 

Besides AIA Vitality Status Reward, the program also provides a tool to let you perform weekly challenges. Receive a reward (choose 1 voucher from multiple partners) every time you achieve your weekly target for 2 consecutive weeks.

 

Conclusion

These are all the reasons why I chose to opt into AIA Vitality program. It is a great program to encourage me to be active and healthy. It also remind me and give me incentives to do my routine health check. (Previously, I never perform any dental check, ooppss)

I am still exploring the features within the program. In the next article, I will explain how to fully utilise this program, because I must be frank, the user experience isn’t the best. Some clients complained to me that it is very complicated as they will need to install different apps for different tracking purposes.

If you’re interested with this program, you can drop your interest here in the form below. I’ll see you in the next article.

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