AIA"Love Journey"
Insurance Plan 2 Complete Guide
涵盖 115 covered illnesses，多重危疾赔付最高达 1100%， pioneering continuous cancer cash option, providing comprehensive health protection for you and your family.
Covered Illnesses
115
Full Coverage
Max Payout
1100%
Multi-Protection
Cancer Cash
100 months
Ongoing Support
Dementia Annuity
Lifetime
6% annually
Product Overview
Market Positioning
"Love Journey" Insurance Plan 2 (On Your Side Insurance Plan 2, product code: OYS2) is AIA Hong Kong'sflagship critical illness product, focusing on multiple CI payouts and comprehensive disease coverage. Unlike savings insurance focusing on wealth growth, CI insurance's core value lies inrisk transfer—providing lump-sum cash payout when major illness occurs, helping families cope with income disruption and high medical costs.
The "Love Journey" series is AIA's star product line. The 2nd generation adds many market-first features, including cord blood stem cell transplant coverage and Down syndrome premium waiver, especially suitable for families with newborn protection needs.
Basic Product Information
| Item | Description |
|---|---|
| Product Name | "Love Journey" Insurance Plan 2 |
| English Name | On Your Side Insurance Plan 2 |
| Product Code | OYS2 |
| Coverage Period | Lifetime (to age 100) |
| Product Type | Participating CI Insurance |
| Entry Age | 15 days - 65 years |
| Payment Term | 10 / 18 / 25 years |
| Optional Add-on | Extra Premium Payment Option |
115Covered Illnesses
"Love Journey 2" covers comprehensive illness categories, from common critical illnesses to rare childhood diseases, providing multi-level protection.
58
Critical Illnesses
Including cancer, heart disease, stroke, etc.
44
Early Stage CI
Claim at early stage
13
Severe Childhood Illnesses
Designed for children
| Category | Main Illnesses | Payout Ratio |
|---|---|---|
| Cancer | Malignant tumors, carcinoma in situ, precancerous lesions | 100% + Extra payout |
| Cardiovascular | Heart attack, coronary artery surgery, heart valve surgery | 100% + Extra payout |
| Neurological | Stroke, dementia, Parkinson's disease | 100% + Lifetime annuity |
| Organ | Kidney failure, liver failure, lung disease | 100% |
| Early Stage CI | Early cancer, minimally invasive coronary treatment | 20-50% |
| Children Exclusive | Kawasaki disease, severe asthma, Type 1 diabetes | 100% |
Multiple CIPayout Mechanism
The core advantage of "Love Journey 2" is its multiple payout design. For high-incidence CIs like cancer, heart disease, and stroke, it provides multiple payout opportunities, ensuring protection during recurrence or new diagnosis.
Including new cancer, recurrence, metastasis, persistence
Heart attack, coronary artery surgery, etc.
100% of original sum assured each time
Waiting Period Requirements
Cancer: 3-year waiting period (new/recurrence/metastasis)
Heart Disease: 1-year waiting period
Stroke: 1-year waiting period
Continuous Cancer Cash Option
Cancer treatment often requires long-term battle. Traditional CI insurance's lump-sum payout may be exhausted in long-term treatment. "Love Journey 2"'s continuous cancer cash option providesstable cash flow for up to 100 months, helping patients cope with treatment costs and living expenses with ease.
* Must be applied after cancer diagnosis, can be used with multiple cancer payouts
Case: Mr. Zhang's Cancer Journey
Mr. Zhang (45) insured HKD 1M sum assured with "Love Journey 2". Diagnosed with lung cancer at 50, received HKD 1M lump-sum payout. Also activated continuous cancer cash option.
For the next 5 years, Mr. Zhang received HKD 50K monthly (5% SA) for targeted drugs and living expenses. 5 years totaled HKD 3M extra. If cancer recurs, additional payouts are available.
Dementia/Parkinson'sLifetime Annuity
Dementia (Alzheimer's) and Parkinson's are chronic diseases requiring long-term care, patients may live 10-20+ years. Lump-sum payout can't cover long-term care costs. "Love Journey 2" innovatively provideslifetime annuity compensation, ensuring patients have stable financial security throughout the illness.
Covered: Alzheimer's, irreversible organic brain degeneration, Parkinson's
Case: Mrs. Li's Peaceful Retirement
Mrs. Li (60) insured HKD 500K. Diagnosed with Alzheimer's at 75, first received HKD 500K lump-sum. Lifetime annuity also activated.
From age 75, Mrs. Li receives HKD 30K annually (6% SA) for care costs. Assuming living to 90, total annuity is HKD 450K. Plus initial payout, total protection reaches HKD 950K.
"Baby's First Shield" Plan
Expectant mothers can insure their unborn baby during pregnancy, coverage starts immediately at birth
Coverage at Birth
No waiting period after birth, immediate protection. No worry about health conditions affecting enrollment.
Severe Jaundice Coverage
Common severe neonatal jaundice is covered, reducing parental worry.
Down Syndrome Waiver
If baby is diagnosed with Down syndrome, future premiums are waived, coverage continues.
Cord Blood Stem Cell Transplant
If baby needs cord blood stem cell transplant, additional payout is available.
Children Growth Protection
Covers 13 severe childhood illnesses, including Kawasaki disease, severe asthma, Type 1 diabetes, etc.
Premium Waiver
If parent (policyholder) passes away or becomes disabled, future premiums are waived.
Extra CoverageBoosters
"Love Journey 2" provides multiple extra coverage boosters on top of basic protection
Prime Age Extra Coverage
Prime Age Critical Illness Extra Coverage Booster
When diagnosed with CI during designated policy years (typically age 25-65), you can receiveextra 40% original sum assured. This period is when family responsibilities are heaviest, extra protection helps cope with greater financial pressure.
Example: HKD 1M SA, Prime Age diagnosis receives HKD 1.4M payout
Lifetime Death Extra Coverage
Whole Life Extra Coverage Booster for Death
If the insured passes away (not after CI payout), beneficiaries can receiveextra 40% original sum assured death benefit, providing more adequate financial protection for family.
Note: Not applicable if full CI payout has been made
Extended Grace Period
Extension of Grace Period Benefit
In special circumstances (involuntary unemployment, marriage, childbirth, property purchase), you can apply to extend renewal grace period toup to 365 days, avoiding policy lapse due to temporary financial difficulties.
AIA Vitality Integration
Healthy Living Rewards Program
Insured persons 18+ joining AIA Vitality can getextra 10% protection (life or CI) in the first year. Earn points through exercise and healthy activities for various rewards.
Extra PremiumPayment Option
Traditional CI insurance only offers regular premium payment. "Love Journey 2" pioneeredExtra Premium Payment Option, allowing policyholders to make a one-time extra premium payment when policy takes effect, bringing multiple advantages:
Lower Total Premium
Reduce overall premium through prepayment
Faster Guaranteed Value
Higher guaranteed cash value in earlier policy years
Flexible Planning
Can be combined with regular premium, suitable for families with idle funds
Extra Premium Protection
If policyholder passes away/disabled, extra premium is refunded
Payment Method Comparison
| Payment Method | Total Premium | Early Cash Value | Suitable For |
|---|---|---|---|
| Regular Only (18Y) | Higher | Lower | Monthly payer |
| Regular + Extra | Lower | Higher | Those with idle funds |
| Single Premium | Lowest | Highest | One-time payer |
Actual differences depend on extra premium amount and underwriting conditions, refer to illustration
Value-AddedServices
"Love Journey 2" policyholders enjoy comprehensive health value-added services from AIA
Care Concierge
Exclusive concierge support services:
- • Medical appointment assistance
- • Health information inquiry
- • Second opinion service
- • Overseas treatment assistance
One-Stop Oncology Support
Provided by multidisciplinary medical team:
- • Comprehensive cancer treatment plan
- • Multidisciplinary expert consultation
- • Treatment progress tracking
- • Rehabilitation support
AIA Vitality Program
Earn rewards through healthy behaviors:
- • Exercise points rewards
- • Health check points
- • Partner merchant discounts
- • Premium discount opportunities
💡 Service Usage Tip
These value-added services are hidden value of "Love Journey 2". When ill, proactively contact AIA to use Care Concierge and oncology support services for professional medical resource connections, usually more efficient than finding resources yourself.
Competitor Comparison
Feature comparison between "Love Journey 2" and mainstream CI products
| 功能 | 环宇盈活 | 盈御3 |
|---|---|---|
| Covered Illnesses | 115 | 100 |
| Cancer Multiple Payout | Up to 6x | Up to 5x |
| Continuous Cancer Cash | 100 months | 60 months |
| Dementia Lifetime Annuity | ✓ | ✗ |
| Baby's First Shield | ✓ | ✗ |
| Cord Blood Stem Cell | ✓ | ✗ |
| Extra Premium Option | ✓ | ✓ |
| Dividend Feature | ✓ | ✓ |
* Compared products are mainstream CI representatives, refer to latest terms for specifics
Objective Pros & Cons Analysis
✓Core Advantages
Comprehensive Coverage
115 illnesses cover common and rare CIs across all ages
Multiple Payout Design
Cancer 6x, heart 3x, stroke 3x, addressing recurrence risk
Continuous Cancer Cash
100-month long-term support for long-term treatment costs
Dementia Lifetime Annuity
Innovative solution for chronic disease long-term care costs
Baby's First Shield
Expectant mothers can insure unborn baby, lock in healthy status
Dividend Feature
Sum assured can grow over time, combating inflation
!Points to Note
Relatively Higher Premium
As flagship product, premium higher than entry-level CI
Multiple Payout Has Waiting Period
Cancer 3 years, heart/stroke 1 year waiting
Some Coverage Non-Guaranteed
Dividend portion depends on investment performance, uncertainty exists
Complex Terms
Multiple payout mechanisms require careful understanding
Must Visit HK to Insure
Mainland residents must visit HK to sign policy
Who Should Buy?
Expectant Parents
Pregnant families
Need:Plan ahead for unborn baby
Match:Baby's First Shield perfect fit
Family History
Cancer/heart disease history
Need:Worried about genetic risk
Match:Multiple payout provides multi-protection
Family Breadwinner
Age 30-45
Need:Protect family income source
Match:Comprehensive coverage for major risks
Seeking Full Protection
Mid-high budget
Need:One policy solves all
Match:115 illnesses + multiple payout
Not Suitable For
Limited Budget
Consider entry-level CI or term CI
Only Need Basic Coverage
Features too rich, may be wasteful
Already Have Sufficient CI
Avoid duplicate coverage
Cannot Understand Product
Terms complex, suggest learning first
Must Know Before Buying
Waiting Period Risk
90-day waiting period after first enrollment (except accidents). Illnesses diagnosed during waiting period are not covered. Ensure good health when enrolling.
Duty of Disclosure
Must truthfully disclose health status when enrolling. Concealing medical history may lead to claim rejection, severe cases policy void.
Coverage Limitations
Not all illnesses are covered. Read terms carefully before enrollment, understand illness definitions and payout conditions.
Non-Guaranteed Dividends
Policy dividend portion depends on insurer investment performance, actual payout may be lower than illustrated.
FAQ (20 Questions)
Basic Questions
What is the waiting period for "Love Journey 2"?▼
What age can be insured?▼
Can premiums be paid in installments?▼
When can Baby's First Shield be applied?▼
Does the policy have dividends?▼
Payout Questions
When can multiple payouts be obtained?▼
How to apply for Continuous Cancer Cash?▼
When does dementia annuity start?▼
Is the policy still valid after early CI payout?▼
What documents are needed for claims?▼
Enrollment & Management
Can mainland Chinese residents purchase?▼
How to pay premiums?▼
Can I surrender mid-term?▼
Can the policy be used for loans?▼
How to change beneficiary?▼
Product Comparison
How does it compare with mainland CI insurance?▼
How does it compare with AIA's other CI products?▼
Should I also buy medical insurance?▼
Can I buy multiple CI policies?▼
Can insurance companies go bankrupt?▼
Summary
"Love Journey" Insurance Plan 2 is AIA Hong Kong'sflagship critical illness insurance, with115 covered illnessesandup to 1100% payoutproviding market-leading protection depth.
If you're looking forcomprehensive, long-term, multiple-payout CI protection for yourself or family, "Love Journey 2" is currentlyone of the most worth considering choices in Hong Kong market.
Remember: CI insurance is just one part of protection planning. Suggest combining with medical and savings insurance to build complete family protection system.
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Data Source: AIA Insurance Official Product Materials
Last Updated: January 2026
Disclaimer: This report is for reference only and does not constitute any investment or insurance purchase advice. Read insurance terms carefully before enrollment and make independent judgment based on personal circumstances.