Your Baiduri b.Digital Personal mobile app will be undergoing a system update starting Monday, 21 August 2023.
An investment-linked insurance plan is a life insurance that combines investment and protection. Your premiums provide not only a life insurance cover, but part of the premiums will also be invested in specific investment of your choice, so you can protect your finances and make your money work harder at the same time.

Higher Potential Returns

An ILP could potentially give you higher returns than other types of policies, such as endowments.

Premium holidays
You can ask for a temporary stoppage of premium payments. This does not terminate your ILP.
Flexibility in coverage
An ILP allows you to adjust your insurance coverage as required. However, increasing your coverage may require medical underwriting.


Investment-Linked Life Insurance are subject to the following types of risks:

    Unlike some other insurance plans, ILPs do not guarantee any returns. This is why it is considered a higher risk product. 

    Due to the way ILPs work, you may need to reduce your insurance coverage. 


AIA Optimizer

  • 3 AIA Investment funds to choose from: Conservative, Balanced and Growth
  • Optional riders for added protection at no fuss
  • Flexible modes of payment: Monthly, Quarterly, Semi-Annual or Annual
  • Top up your premiums anytime you wish and enjoy loyalty bonus
  • 4 free funds switching per year
  • Best suited for those who want more flexibility in managing and growing their funds

AIA Investment Growth Plan (IGP)

Pay one lump sum amount with AIA IGP and get protected throughout your whole life whilst earning potential high returns. 

  • 3 AIA Investment funds to choose from: Conservative, Balanced and Growth
  • Surrender Benefit where the policy can be surrendered in full right after the policy is issued at no cost
  • Partial withdrawal facility, subject to maintaining certain policy values
  • One free fund switching per policy year

AIA Variable Investment Protector (VIP)

  • VIP offers the opportunity to enjoy flexible life insurance coverage while meeting the medium to long term investment goals. 3 AIA Investment funds to choose from: Conservative, Balanced and Growth
  • Optional riders for added protection at no fuss
  • Flexible modes of payment: Monthly or Annual
  • Partial withdrawal facility, subject to maintaining certain policy values
For full details, please refer to respective policy contracts, available upon request. 
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Important update
19 September 2023

We would like to inform you that with effect from 31 October 2023, Business i-Banking service will no longer be operational, and this will be replaced with our new Baiduri b.Digital Business service.

If your company has not transitioned to b.Digital Business, please ensure that every existing user provides the following by 8 October 2023 through the Business i-Banking Inbox:
  • User’s full name
  • User’s valid Identification Card (IC) or Passport
  • User’s mobile number
  • User's company assigned email address (General company email is not accepted e.g., [email protected])

Alternatively, you can complete the b.Digital Business Amendment Form and submit the form(s) directly to Baiduri Digital Hub, Ground Level, Baiduri Bank Headquarters.

Every user will receive a notification email at their registered email address, once they have been migrated and activated on the b.Digital Business service.

Companies who have not moved to b.Digital Business after 31 October 2023 can re-apply as a new subscriber to the b.Digital Business service. This will require additional documentations to be submitted as part of the application. Refer “Required Documents” here.

Important notice: Our Business i-Banking service will be deactivated soon. To ensure continued access and a smooth transition to the new Baiduri b.Digital Business, please provide your full name, IC, email address and mobile number via Business i-Banking Inbox. If we do not receive updated details from all authorised users, your company will not be migrated to the new platform and a fresh application will be required. For assistance, contact us at [email protected] or call 2268 637/8/9 during business hours. Thank you for your cooperation.

Important notice: We have updated the Baiduri b.Digital Personal mobile app on 21 August 2023.

If you have not logged in to your mobile app lately, you will be required to update the app when you open it.

If you have updated the app but have forgotten what your User ID is, you can retrieve it via one of the following:
• Visit Digital Hub at ground level, Baiduri Bank Headquarters
• Visit your nearest Baiduri Bank branch
• Call our 24-hour Customer Helpline at 2449666

If you have forgotten your password, you can reset it through the Baiduri b.Digital Personal web platform through the “Forgot Password” feature.

If you need further assistance, click here for a guide.
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