AIA Absolute Critical Cover

Be covered beyond critical illness

Get an instant 10% premium discount with AIA Vitality

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AIA Absolute Critical Cover

Cover ​multi-stage ​critical illnesses​, chronic, age-related​​ and​ other future diseases​ plus potential cash value.

Currency

S$

Period

Term

AIA Vitality member exclusive

Up to 15% premium discount

Benefits for you

Comprehensive coverage beyond critical illnesses

​​​Be covered for 187 conditions including multi-stage critical illnesses, pre-early conditions and others.​​

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Flexible coverage period

​​​Choose a preferred coverage term of up to age 65, 75, or 100, that best fits your needs.​​

Safety net cover benefit

Receive a one-time payout of additional 20% of coverage amount for selected ICU admissions.

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Cash value

​​​Choose a coverage term of up to age 100 and enjoy potential cash value on your plan.​​

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Continual protection

​​​Add on the ASCC booster to enhance your protection against multiple critical illnesses and relapses.​​

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Child premium discount

​​​Enjoy 10% off the first year's premiums of your child's plan, should you also purchase it for him/her.​​

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Death benefit

​​​Upon passing, your loved ones will receive 5% of your coverage amount, including any surrender value.​​

Extended healthcare support

​​​Enjoy access to additional medical support to boost your ability to overcome health lapses.​​

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More info

​​​Coverage for 187 Conditions​​
  • ​​​150 multi-stage critical illnesses, with up to S$350,000 payout for early critical illness or intermediate critical illness​​

  • ​​​25 special conditions, including Osteoporosis, Diabetic Complications, and Severe Gout​​

  • ​​​12 pre-early conditions, including signs of early critical illness like Benign Tumour and Borderline Malignant Tumour, common chronic diseases like Varicose veins (requiring surgery), as well as age-related conditions (covered from age 51 onwards) like Urinary incontinence (requiring surgical repair)​​
​​​What's more – this is the first and only plan in the market covering common health conditions such as Thyroid disorders, Sleep Apnoea, Benign prostatic hyperplasia (requiring surgery), and Glaucoma (requiring surgery).​​

Receive a one-time payout of additional 20% of coverage amount for any illness, condition or future disease that requires ICU admission (min. 4 days).

​​​Coverage Benefit​​
​​​To age 100​​
​​​ ​​
​​​Surrender Benefit (From age 75 or after year 60 of your plan anniversary, whichever is earlier)​​
​​​75% of coverage amount plus 1% for each progressive year from age 76 onwards, up to 99% of your coverage amount​​
​​​ ​​
​​​Maturity Benefit (At age 100)​​
​​​150% of coverage amount​​
​​​     ​​
​​​Note: Any claims paid under Critical Illness Benefit will reduce the amount of surrender benefit or maturity benefit.​​

​​​Power Reset Benefit​​
​​​Fully restores your coverage amount once 12 months have passed from the last critical illness or Power Relapse Critical Illness, allowing you to make multiple claims of up to 500% of your coverage amount.​​
 
​​​Power Relapse Benefit​​
​​​Be backed up not once, but twice the coverage amount (up to 200%) if you suffer from the same critical illness, namely re-diagnosed Major Cancer, recurred Heart Attack, recurred Stroke, repeated Major Organ/Bone Marrow Transplantation or repeated Heart Valve Surgery, once 24 months have passed from the preceding same Critical Illness or Power Relapse Critical Illness Condition, for which a claim was admitted by us.​​
 
​​​Plus, Major Cancer need not be in remission to claim for re-diagnosis!​​

​​​Premium discount for subsequent renewal of your child's AIA Absolute Critical Cover plan will be as follows up till age 21.​​
 
One child: 5%
Two or more children: 10%

​​​Teladoc Health​​
​​​Receive personalised medical support from diagnosis to recovery for critical medical conditions from a panel of over 50,000 leading global specialists under Teladoc Health and get personalised support and guidance from their case management team through to recovery.​​
 
​​​This Personal Case Management service is limited but not exclusive to insureds of AIA Absolute Critical Cover. To access this service, please call (65) 6643 9195 or refer to the AIA Absolute Critical Cover brochure for more information.​​
​​​ ​​
​​​Whitecoat Telemedicine​​
​​​A service that allows you to video consult with Singapore-registered doctors at your convenience. Enjoy negotiated fee^ for teleconsultation and have your prescribed medicine delivered to your doorstep.​​
 
​​​^Cost excludes GST, medication, delivery charges, medical tests, imaging, or examination, where applicable. ​​
 
​​​Whitecoat Chronic Home Care​​
​​​An exclusive program that helps you manage and treat Diabetes, High Blood Pressure and High Cholesterol at home, from S$30/month^.​​
 
​​​You can also enjoy teleconsultation for routine review and monitoring, in-home visits for lab tests, in-app reminders for your test dates and also prescribed medication and delivery (charged separately).​​
 
​​​^Monthly subscription cost may vary and subject to change. Each enrolment is for 12 months and is subject to WhiteCoat General Practitioner's assessment of eligibility via teleconsultation. The subscription cost of 12 months is to be paid upfront by the customer.
 
​​​Please refer to the AIA Absolute Critical Cover brochure for more information.​​

Join AIA Vitality and enjoy an instant 10% premium discount

Add AIA Vitality to AIA Absolute Critical Cover and get a 10% premium discount for the plan and ASCC Booster for the first year. Keep up a healthy lifestyle and get up to 15% premium discount as you improve your AIA Vitality status. On top of that, you can enjoy exciting benefits like weekly rewards and discount on gym memberships, fitness devices, movie tickets and more.
 
Click here to read more on AIA Vitality.

Be covered in sickness and in good health

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Terms & conditions

  • Please refer to the product summary and contract for the detailed coverage period and payout limit for each of the benefits/conditions covered under the AIA Absolute Critical Cover and ASCC Booster.
  • Payout for the Safety Net Cover is capped at S$25,000 across all policies issued by AIA and this benefit will terminate thereafter. The stay in ICU must also be at least 4 days occurring within the same episode of any local hospital admission, due to any illnesses, injuries, or conditions.
  • For the Surrender Benefit, 75% of the coverage amount shall be payable on or after the 60th policy anniversary or at age 75, whichever is earlier, plus additional 1% for each progressive year from age 76 onwards. For the Maturity Benefit, 150% of the coverage amount will only be payable when the policy matures at age 100. Any claims paid under Critical Illness Benefit will reduce the amount of surrender benefit or maturity benefit.
  • For the Power Reset Benefit, maximum claim limits apply and a waiting period of 12 months is required from the date of diagnosis of the preceding critical illness under the Critical Illness Benefit or Power Relapse Critical Illness Condition under the Power Relapse Benefit, where a claim was admitted by us. Each subsequent claim(s) must be for a different condition.
  • For the Power Relapse Benefit, maximum claim limits apply and a waiting period of 2 years is required from the date of diagnosis of any stage of the same Critical Illness or Power Relapse Critical Illness Condition, for which a claim has previously been admitted by us. We will only admit a claim for a Power Relapse Critical Illness Condition if we have previously paid 100% of the coverage amount under the Critical Illness Benefit for any stage of the same critical illness.
  • The eligible entry age for a child under the Child Premium Discount benefit will be from two weeks old till age 15. Additionally, the Child Premium Discount is applicable for AIA Absolute Critical Cover and ASCC Booster (if attached) only based on a standard life. It is not applicable to any extra premiums due to loading and also does not apply to any other riders attached. Eligibility of the discount is subject to conditions at each subsequent renewal, please refer to product summary for details.
  • AIA Absolute Critical Cover will terminate after the Death Benefit is paid out. 
  • Please refer to the respective product summaries for the list of covered conditions applicable for the optional premium waiver riders.
  • WhiteCoat Chronic Home Care's monthly subscription cost ranges from S$30 (1 condition) to S$40 (up to 3 conditions) per month. Each enrolment is for 12 months and is subject to WhiteCoat General Practitioner's assessment of eligibility via teleconsultation. The subscription cost of 12 months is to be paid upfront by the customer.
  • The AIA Vitality premium discount is only applicable to premiums based on a standard life. It is not applicable to any extra premiums due to loading. Discount applicable from the second policy year onwards will depend on the AIA Vitality Status attained. The discount is capped at 15%.

Teladoc Health's Personal Case Management service is not a contractual benefit. Teladoc Health is an independent third-party company. AIA Singapore Private Limited ("AIA") shall not be responsible or liable for any medical service, product, and solicitation effort provided by Teladoc Health, which is not sold or marketed by AIA. All Teladoc Health related statistics and service information stated have been verified by Teladoc Health only. Eligibility for the service is subject to evaluation by AIA and Teladoc Health and the services provided are subject to the terms and conditions of Teladoc Health. Please contact Teladoc Health for full details of the scope of the service.
 
WhiteCoat Telemedicine and Chronic Home Care are not contractual benefits. WhiteCoat is an independent third-party company. AIA shall not be responsible or liable for any medical service, product and solicitation effort provided by WhiteCoat, which is not sold or marketed by AIA. AIA shall not be held responsible or liable in any way for any action, omission, advice or information that is given, or statements made by any service providers or other persons (including healthcare providers) arising from or in connection with this service. Any and all personal data provided to us will be used to ascertain your eligibility to access the services and other information herein. The collection, use, disclosure, and retention of your personal data is subject to the AIA Personal Data Policy (Singapore), to which you agree and accept.
 
This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) ("AIA"). All insurance applications are subject to AIA's underwriting and acceptance. 

This is not a contract of insurance. The precise terms and conditions of this plan, including exclusions such as pre-existing conditions whereby the benefits under your policy may not be paid out, are specified in the policy contract. Waiting period and survival period are applicable before the benefits will be payable. Any claim or benefit payable is subject to deduction of any amounts owing to us. You are advised to read the relevant policy contract for details and the definition of all covered conditions.
 
You should seek advice from an AIA Consultant / Insurance Representative and read the product summary before deciding whether the product is suitable for you. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for early policy termination and the new policy may cost more or have fewer benefits at the same cost. 
 
As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid. You should consider carefully before terminating the policy or switching to a new one as there may be disadvantages in doing so. The new policy may cost more or have fewer benefits at the same cost. 
 
This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
 
This advertisement has not been reviewed by the Monetary Authority of Singapore.
 
The information is correct as at 1 July 2025.