AIA Life Secures Six-Month Exclusive Use Right for Very Mild Dementia Rider: “Industry First”

Application of Objective Diagnosis Criteria Based on Amyloid PET

Financial Support from the Earliest Stages of Dementia Treatment

On August 4, AIA Life announced that it has been granted a six-month exclusive use right from the Korea Life Insurance Association for its “Special Rider for Specified Very Mild Dementia (Amyloid PET Positive).”

AIA Life explained that acquiring this exclusive use right is a result of being recognized for its innovation and uniqueness as the first in the industry to expand the coverage scope to include very mild dementia (CDR 0.5).

This rider provides coverage when a diagnosis of very mild dementia is accompanied by a positive result from an amyloid-beta positron emission tomography (PET) scan. Its distinctive feature is that it combines pathological diagnostic criteria with existing clinical diagnostic criteria, enabling a more objective screening of high-risk dementia groups.

Recently, with the introduction and wider use of anti-amyloid therapies, the focus of dementia treatment within the medical community has been rapidly shifting toward early diagnosis and early intervention. This has also heightened the importance of biomarker-based diagnostics to more precisely identify patients who are eligible for such treatments.

Unlike existing dementia insurance, which primarily covered after the mild dementia (CDR 1) stage, AIA Life has expanded its coverage to include the very mild dementia stage—when intervention is most critical. Through this, customers can receive financial support to reduce the burden of medical costs associated with early-stage examinations, treatment, and cognitive rehabilitation, allowing them to begin timely treatment as needed.

The rider will be added to AIA Life's total dementia specialist product, “Power100 Dementia Insurance.” The product offers not only diagnosis benefits for very mild, mild, moderate, and severe dementia, but also covers drug treatment costs, caregiver funds, care and living expenses, and even benefits related to innovative medication treatments.

Shinok Yoo, Chief Customer Officer at AIA Life, stated, “We developed this rider to address the coverage gaps of existing dementia insurance and to ensure customers do not miss the critical timing to receive necessary treatment,” adding, “We will continue to offer differentiated products that reflect changes in the medical environment and customer demand.”

This content was produced with the assistance of AI translation services.