Life Insurance
Protect your loved ones’ future from life’s uncertainties
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{{label}}Critical Illness Protection
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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!
Be covered for 187 conditions:
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).
Choose a preferred coverage term of up to age 65, 75, or 100, whichever best fits your needs.
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!
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 |
Maturity Benefit |
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.
Add on the ASCC booster to enjoy these benefits:
Plus, Major Cancer need not be in remission to claim for re-diagnosis!
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% |
In the unfortunate event of death, your loved ones will receive 5% of your coverage amount, including the surrender value (if any).
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.
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!
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:
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:
* Fight the Hike with AIA Promotion 2022 Terms and Conditions apply.
Partial NRIC / Passport / FIN No.
(last 4 characters)
Date of Birth
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.
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.