AIA Absolute Critical Cover

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

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

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!

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 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!

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

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

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

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

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!