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Critical Illness Insurance
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  • Vitality

    AIA Absolute Critical Cover

    Critical Illness Protection

    Period

    term

    Issue Age

    2 Weeks - 65 years old

    Currency

    S$

    You can buy this via

    AIA APPOINTED representative


    What This Product Is About

    AIA Absolute Critical Cover is a forward-looking critical illness plan that takes your protection further in the future. It is also the first and only plan in the market offering potential cash value.

    Be safeguarded from not just critical illnesses at different stages, but also chronic, age-related, and future unknown diseases. We’ve got you covered in sickness and in good health!

    • Calculate Your Coverage Calculate Your Coverage
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    • GET IN TOUCH

    What Does It Provide?

    • Wide Coverage That Goes Beyond Critical Illness
      Wide Coverage That Goes Beyond Critical Illnesses

      Be covered 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).

    • Flexible Coverage Length
      Flexible Coverage Length

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

    • Safety Net Cover Benefit
      Safety Net Cover Benefit

      Should you be admitted into the Intensive Care Unit for a minimum of 4 days, you will receive a one-time payout of additional 20% of coverage amount, on top of your existing coverage amount, for any illness, injury, condition and even future unknown disease.


      What’s more – you don’t need to undergo surgery to enjoy this benefit!

    • Cash Value
      Cash Value

      Only 1 in Market!

      Cast your worries of having your premiums going to waste. By choosing a coverage term of up to age 100, you can enjoy potential cash value on your plan.


      Coverage Benefit

      Surrender Benefit
      (From Age 75 or after year 60 of your plan anniversary, whichever is earlier)

      Maturity Benefit
      (At age 100)

      To Age 100

      75% of coverage amount plus 1% for each progressive year from age 76 onwards, up to 99% of your coverage amount

      150% of coverage amount


      Note: Any claims paid under Critical Illness Benefit will reduce the amount of surrender benefit or maturity benefit.

    • Continual Protection For Multiple Critical Illnesses And Relapse
      Continual Protection For Multiple Criticial Illnesses And Relapse

      Add on the ASCC booster to enjoy these benefits:

      • 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!

    • Child Premium Discount
      Child Premium Discount

      Only 1 in Market!

      In addition to your own AIA Absolute Critical Cover, enjoy 10% off the first year's premiums of your child’s plan, should you also purchase it for him/her.


      The premium discount for subsequent renewal will then be as follows:


      Number of children insured

      Premium Discount (till age 21)

      One child

      5%

      Two or more children

      10%

    • Death Benefit
      Death Benefit

      In the unfortunate event of death, your loved ones will receive 5% of your coverage amount, including the surrender value (if any).

    • Benefits beyond financial protection
      Benefits beyond financial protection

      Enjoy convenient access to additional medical support to boost your confidence and ability to overcome health lapses.

      Teledoc 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 policyholders 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 in-formation.

      WhiteCoat Telemedicine

      An exclusive service that allows you to video consult with Singapore-registered doctors at your convenience. Enjoy a flat teleconsultation fee of S$12^ and have your prescribed medicine delivered to your doorstep as well.


      ^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 as little as S$30/month^.


      Stand to 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).


      ^Cost excludes GST, medication, delivery charges, medical tests, imaging, or examination, where applicable.


      Please refer to the AIA Absolute Critical Cover brochure for more information.

    • Better Choice, Better Health with AIA Vitality
      Better Choice, Better Health with AIA Vitality

      Make the choice towards better health than before with AIA Vitality, one of the most comprehensive wellness programmes in Singapore. Through a wide spectrum of tools and benefits that target different aspects of your health, AIA Vitality supports you to make positive behavioural changes that improve your overall wellness.


      With the Vitality-integrated AIA Absolute Critical Cover, you can enjoy upfront premium discount on your first year’s premium for the plan and eligible riders. As you get healthier and improve your AIA Vitality status, you will enjoy greater discounts of up to 15% – which means lower costs on your coverage! So, the higher your AIA Vitality status, the more you save!

    GUARANTEE PEACE OF MIND FOR EVERY EVENTUALITY

    Stretch your protection further to ensure plan continuity.

    Buying this plan for yourself?

    Future premiums of your AIA Absolute Critical Cover and eligible riders (if any) will be waived, upon diagnosis of any of the covered:

    • 149 early, intermediate, or major stage critical illnesses with Early Critical Protector Waiver of Premium (II) rider; or
    • 72 major critical illnesses with Critical Protector Waiver of Premium (II) rider

    Buying this plan for your little one?

    We will waive future premiums of your child’s AIA Absolute Critical Cover and eligible riders (if any) until your child’s 25th birthday or the end of your premium waiver rider term (whichever is earlier), upon diagnosis of any of the covered:

    • 149 early, intermediate, or major stage critical illnesses, total and permanent disability, or upon your passing with Early Critical Protector Payor Benefit (II) rider; or
    • Upon your passing or diagnosis of disability, with Payor Benefit rider
    special-promo

    Receive up to 38% worth of welcome bonus, up to 25% off premium for the first five years or up to 150 AIA Delights Voucher Credits*


    Sign up by 30 September 2022

    * Fight the Hike with AIA Promotion 2022 Terms and Conditions apply.

    Get in touch

    What’s your name?*

    What's your mobile number?

    Please select the right country code.

    What's your email address?

    Are you an existing AIA Singapore customer?*

    Drop us a question here:




    Thank You

    Partial NRIC / Passport / FIN No.

    (last 4 characters)

    Date of Birth


    THE FINE PRINT

    the terms and conditions at a glance
    • 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 and is only eligible for holders aged 16 and above. The discount is capped at 15%.

    DETAILED TERMS AND CONDITIONS

    DETAILED TERMS AND CONDITIONS
    - COLLAPSE + EXPAND

    EXCLUSIONS

    Things that you won't be able to claim from this policy

    There are exclusions such as pre-existing conditions, whereby no benefits will be payable. 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.

    IMPORTANT NOTES

    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 whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.

    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.

    You may wish to seek advice from an AIA Financial Services Consultant for a financial analysis before purchasing a policy suitable to meet your needs.

    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 5 October 2021.

    CONTACT AIA

    1800 248 8000

    1 Finlayson Green
    Singapore 049246
    View Details

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    CONTACT AIA

    1800 248 8000
     

    1 Finlayson Green
    Singapore 049246

    View Details

    BOOK AN APPOINTMENT

    GO TO

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    Visit our corporate site to learn more about AIA.
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