FAQs

premium payment methods

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By Cash or Cheque At AIA Main Office

Policyholders may pay premiums by cash, Brunei Dollars cheque or bank draft personally at AIA Main Office located at 5^th Floor, Unit 5.09A, Wisma Jaya Building, 85-94 Jalan Pemancha, B.S.B BS8811, Brunei Darussalam. Our cashier counter is open from 8.15am to 4.00pm on Monday to Thursday, 8.15am to 12.00pm and 2.00pm to 4.00pm on Friday (excluding Public Holidays).
We accept cash payment in Brunei Dollars (BND), Singapore Dollars (SGD) and US Dollars (USD).

Through your authorized AIA Agents

Policyholders may pay premiums by cash, Brunei Dollars cheque/bank draft via agents.
Please note that only certain agents are authorized to collect cash premiums.
A Temporary Cash Receipt will be issued by the agents upon cash collection. The amount of cash collection per Temporary Cash Receipt is limited to BND1,600 or USD1,100 only.
The Temporary Cash Receipt is valid for 14 days from date of issuance. An official receipt will be mailed to you within 14 days from date of issuance. Temporary Cash Receipt will automatically be voided when an official receipt of the payment is issued.
If you do not receive the official receipt within 14 days from date of issuance, please call AIA office at (673) 2239129.

By Mail

Policyholders may pay their premium by sending a crossed Brunei Dollars cheque/bank draft payable to “AIA Company Limited” to 5^th Floor, Unit 5.09A, Wisma Jaya Building, 85-94 Jalan Pemancha, B.S.B BS8811, Brunei Darussalam.
Please write down your policy number and contact number clearly on the back of the cheque/bank draft. Eg. Q62XXXXXXX or P62XXXXXXX
Please do not issue post dated cheques.

By Baiduri Credit/Debit Card

Policyholders may pay premiums by enrolling in recurring bill services using Baiduri’s Bank Credit/Debit Cards.
Please submit the recurring bill services request form to your agent or to AIA Main Office. The form can be obtained from your agent or AIA Main Office.
Please keep your bank statement as evidence of payment.

Through Banks

Policyholders may pay premiums using bank facilities as indicated in the table below.
Please quote your policy number clearly when remitting payment to AIA.
Please note that bank charges may apply.
Please keep your bank deposit slip/bank statement as evidence of payment.

Banks	SCB
Banks		Standing Instruction1 (SI)	Bank Cashier Counter
Guaranteed cash value	N.A
Plan options	AIA Triple Critical Cover Life Plan
Coverage Age	Up to 100
Guaranteed cash value	Maturity Benefit: 100% of your coverage amount less any critical illness benefits paid. Surrender Benefit: 75% of your coverage amount less any critical illness benefit paid.

Banks	Banks		Self Banking				Internet Banking
Banks	Standing Instruction1 (SI)	Bank Cashier Counter	Cash Deposit Machine	Cheque Deposit Machine	Automated Teller Machine	Drop In Box	Standing Instruction1 (SI)	Bill Payment
SCB	√	√	√		√	√	√	√
Baiduri	√	√

Policyholders may sign up for Standing Instruction at the respective bank counters or through Internet banking. Please refer to the table below for account to account transfer bank details.
No prefix is required when keying in the policy number. Eg. for policy number Q62XXXXXXX or P62XXXXXXX, just key in 62XXXXXXX.
Policy number and telephone number to be indicated at the reverse side of the cheque.

Account to Account Transfer Bank Details
Standard Chartered Bank
BND Account Number	01-001-001512-00
USD Account Number	87-001-030273-00
Baiduri Bank Berhad
BND Account Number Please indicate only policy number under the benefeciary description & payment description.	0100130283700

By Telegraphic Transfer

When making payment from overseas, you may arrange for your premium to be paid via telegraphic transfer. Payment can be paid to either AIA Brunei Dollars account of AIA US Dollars account as below, in favour of AIA Company Limited. Please indicate your policy number clearly in your telegraphic transfer instruction.
The below information is to be provided to the bank during the transaction.

For Brunei Dollars Policy
Beneficiary bank name	Standard Chartered
Beneficiary bank address	51-55 Jalan Sultan Bandar Seri Begawan BS8811
Beneficiary bank code (swift code)	SCBLBNBB
Beneficiary's name	AIA Company Limited
Beneficiary's account number'	01-001-001512-00
Payment details	Policy No. ________________

For US Dollars Policy
Beneficiary bank name	Standard Chartered Bank
Beneficiary bank address	51-55 Jalan Sultan Bandar Seri Begawan BS8811
Beneficiary bank code (swift code)	SCBLBNBB
Beneficiary's name	AIA Company Limited
Beneficiary's account number'	87-001-030273-00
Intermediary bank name	Standard Chartered Bank, New York
Intermediary bank code (swift code)	SCBLUS33XXX
Payment details	Policy No. ________________

Note:

Please quote the policy number clearly and exact premium amount when remitting premium.
To pay premium for your USD policy in equivalent BND, please contact AIA office at (673) 2239129 for the exchange rate before remitting.
Premium payments can be made for your own policy or policies of your immediate family only. If you are not married immediate family shall be your parents and siblings. If you are married immediate family shall be your parents, spouse and children
Account to accounttransfer from Policyholder’s USD account to AIA Brunei dollar account is not allowed.
One policy number is only allowed for each transaction.
Any bank related queries should be directed to the banks concerned.

Insurance Claims

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Quick Guide of Making A Claim

1. How To Make A Claim

You may contact your servicing agent or AIA claims department if you wish to make a claim.
Please refer to the Quick Guide For Making a Claim brochure for more details on what is required on the type of claim you wish to make.

2. Important Notes

All documents submitted must be in English. Any document that is not in English must be accompanied by an English translated copy of the document made by a certified translator/interpreter.

All forms must be duly completed and signed to avoid delay in claim processing. Please indicate “N.A” for fields which are not applicable.
The Claim Form must be signed using the same signature as in AIA Brunei’s records.

3. Submission Of Documents

All claims required documents can be submitted to AIA Brunei through your servicing agent.
Alternatively you may submit the claim personally to AIA Brunei Office.

Our Office Opening Hours:
Monday to Thursday, Between 8.15 am – 5.00 pm
Friday, Between 8.15 am – 12.00pm and 2.00pm -5.00pm

Understanding Insurance Terms

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What is term insurance?

Term insurance provides temporary life insurance protection for a stipulated period of time. The sum assured of the policy is paid to the beneficiary when death occurs during the stipulated term. Nothing is paid upon the survival of the insured at the end of the stipulated term. Being the cheapest form of insurance, term policies are best suited for those who require insurance protection at the lowest cost, such as fresh graduates with relatively low disposable income. Term policies are not available to children below the age of 16.

What are renewable and conversion privileges?

Term insurance policies are usually packaged with renewable or conversion privileges.

Renewable privilege

Upon the maturity of a renewable term insurance policy, the insured has the right to renew the policy without having to prove insurability. This means that a new term policy will be issued by the insurance company regardless of the state of health of the insured then. The premiums of the new policy will be based on the then attained age of the insured.

Conversion privilege

Convertible term insurance gives the policyholder the right to convert a temporary insurance policy to a permanent insurance policy, i.e. a whole life or an endowment policy, without having to prove insurability. This option is particularly important because insurance needs change with time. The premiums of the new policy will be based on the then attained age of the insured.

What is whole life insurance?

It offers a lifetime insurance protection. You pay premiums throughout your life, but this can be changed to a limited period. It will pay out the insured amount and any bonuses you have built up when you make a claim.

What are endowment policies?

It offers insurance protection and savings. It will pay out the insured amount and any bonuses you have built up when you make a claim, choose to stop the policy or at the end of the policy.

What are investment-linked policies?

Your premium buys life insurance protection and investment units in a managed fund. Like a unit trust, your money is pooled with that of other investors and invested in short- and long-term investments. The price of your units depends on how the investments in the fund perform. The amount that the plan pays depends on the price of the units at the time you cash it or pass away. You will also get a death benefit.

What are participating and non-participating policies?

Life insurance policies are broadly categorised as participating and non-participating policies.

Participating policies are policies that entitle the policyholders to share in the profits of the insurance company, in consideration of the additional premiums they contribute. The profits given are generally called bonuses. The benefits from participating policies include a non-guaranteed element (i.e. bonus), which is determined by the performance of the insurance company.

Non-participating policies do not share in the profits of the company. An example of a non-participating policy is a term insurance policy.

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