AIA+ HK vs Shacom Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
AIA+ HK
Manage your insurance policies, submit and track claims, and access health services. Earn rewards through the AIA Vitality program and stay updated on new products and offers.
- Manage insurance policies and premiums
- Submit and track claims
- Find network doctors and health services
- Earn rewards with AIA Vitality
- View and transfer ePremium coupons
- Access latest product information
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The AIA+ mobile app for AIA Hong Kong and Macau customers helps you to manage your insurance, submit and track claims, enjoy AIA Vitality and much more! Key features include: - Pay your insurance premium and view policies, coverage and account value - Submit and track the progress of your medical, accident, and travel claims; and check claim balance - Find network doctors and access health services - Earn and redeem fabulous rewards with AIA Vitality and AIA Points - View and transfer ePremium coupons - Learn about the latest AIA products and offers View and manage your AIA insurance policies and accounts - Quickly pay your insurance premium - View your insurance policies, coverage details, account value, and MPF balance Submit and track your claims - Submit a medical, accident or travel claim - Track the progress of your claim and receive status notifications Access health and wellness services - Find network doctors and healthcare service providers - View your medical or AIA Vitality membership card - By reading your health and fitness data from Apple HealthKit, you can do health assessments, track your daily steps and accept challenges to earn rewards with AIA Vitality And more! - Register or update an account with your mobile number instead of login ID - Log in with face recognition, fingerprint recognition, or password - Earn and redeem fabulous prizes with AIA Points - View and transfer your ePremium coupons - Learn about the latest AIA products and offers WARRANTIES, DISCLAIMERS AND EXCLUSIVE REMEDIES The AIA+ mobile app/ web version is provided on an “as is” basis without any warranty of any kind, including without limitation all warranties of merchantable quality, fitness for a particular purpose or any other warranty whether expressed or implied. To the extent permitted by law, these warranties are exclusive and there are no other express or implied warranties or conditions including warranties or conditions of merchantability and fitness for a particular purpose. LIMITATION OF LIABILITY AIA shall not be liable for any indirect, incidental, special, punitive or consequential damages, loss of profits, loss of revenue, loss of data or data use, loss of business and/or loss of anticipated savings. AIA’s maximum liability for any damages arising out of the use of AIA+ whether in contract or tort (including negligence) or otherwise, shall be limited to the re-supply of the AIA Apps. Note: “AIA” herein refers to AIA International Limited (Incorporated in Bermuda with limited liability).
Shacom Pay
This app simplifies electronic payments with instant, free local transfers and the ability to send funds using just a mobile number or email. It supports QR code payments and requests, as well as international remittances. Security is enhanced with biometric authentication.
- Instant local inter-bank transfers
- Fund transfer via mobile number or email
- QR code payments and requests
- HKD and RMB support
- Electronic Direct Debit Authorisation
- Overseas remittances
- Biometric authentication
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Shacom Pay brings you to the new century of electronic payment! From now on, fund transfer becomes easier and more convenient! - Make instant small value inter-bank local transfers* anytime and free of charges. - Transfer funds by using payee’s mobile number or email address without entering the receiving bank account information. You can also scan QR code to pay. - Request for payment from friends by presenting your QR code. - Supports both HKD and RMB. - Electronic Direct Debit Authorisation can be effective immediately* upon set up. - Remit funds to overseas bank accounts including the Philippines and Indonesia. - Supports Biometric Authentication which allows you to log on Shacom Pay and confirm transactions via fingerprint authentication or facial recognition. Please Download Now! Remarks: * Depends on the processing time of payee bank
Screenshots
Verdict
The clearest difference is rating: AIA+ HK at 4.7 against Shacom Pay's 1.0. AIA+ HK also leads on ratings volume (650 vs 2) and update cadence (every 9 days vs every 2 months). Shacom Pay's advantage is iOS requirement (14.0 vs 16.0). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
AIA+ HK holds the better App Store score, 4.7 against 1.0. That said, the two scores are not equally well evidenced: AIA+ HK has 650 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 49% of AIA+ HK's written reviews are positive against 28% of Shacom Pay's.
AIA+ HK ships an update every 9 days, Shacom Pay every 2 months. The most recent releases landed on November 6, 2026 and November 2, 2026 respectively.
| Parameter | AIA+ HK | Shacom Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (650 ratings) — better | 1.0 (2 ratings) |
| Positive reviews | 49.1% of reviews — better | 27.8% of reviews |
| Number of ratings | 650 — better | 2 |
| Update frequency | Every 9 days — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 116 MB | 94 MB |
| Age rating | 17+ | 4+ |
| Developer | AIA International Limited | Shanghai Commercial Bank |
Customer experience
AIA+ HK
Shacom Pay
Bugs and requests
AIA+ HK
Reported bugs
18 issues- Face ID authentication loops endlessly without granting access
- OTP verification failures and repeated requests
- Password reset functionality broken or unresponsive
- App fails to load on WiFi connections
- Vitality points and exercise data reset to zero
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- Health data sync with Apple Health not working
- Doctor search fails when filtering by multiple districts
- Navigation returns to previous page instead of search results
- Invoice files from photo submissions cannot be viewed
- App crashes when accessing claims history
- Fitness activity data not properly registered or counted
- System error messages when accessing documents
- App becomes unresponsive during lunch hours
- Vitality section not displaying after version updates
- Back button unresponsive on iPhone 14 Pro
- App stuck on welcome screen indefinitely
- Notification badges and tabs disappearing during navigation
- Inconsistent page loading with missing content
Requested features
15 requests- Auto-login functionality to avoid repeated password entry
- Save card details for future payments
- Edit claims within 24 hours of submission
- Improved notification system via email/SMS/phone
- Better fund price comparison display
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- iPad app version
- Ability to view past payment history
- Downloadable coupons for offline access
- More coupon variety for redemption
- Clearer instructions for fund transfers
- Health app integration with better sync
- More Vitality reward options beyond current offerings
- Simplified password requirements with flexibility
- Persistent login across sessions
- Better doctor search filtering across regions
Shacom Pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
AIA+ HK
No in-app purchases
Shacom Pay
No in-app purchases
Questions
Is AIA+ HK free?
Is Shacom Pay free?
Which has better reviews, AIA+ HK or Shacom Pay?
Do AIA+ HK or Shacom Pay have ads?
Which is updated more often, AIA+ HK or Shacom Pay?
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