AIA Beyond Critical Care

Critical Illness Protection

Period

term

Issue Age

2 weeks - 60 years old

Currency

S$

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AIA APPOINTED representative

What This Product Is About

AIA Beyond Critical Care offers premium refund on top of protection against major stage critical illnesses (CIs) and relapse as well as mental illnesses. It also comes with optional add-ons that offer more coverage for 104 early, intermediate, and major CIs, and waiver of future premiums in the event of CI.

With exclusive access to trusted medical support service and more comprehensive benefits, you can count on support throughout your journey to recovery, for better days ahead.

GET IN TOUCH

What Does It Provide?

Holistic Critical Illness Protection

Major Critical Illness and Relapse

AIA Beyond Critical Care (base plan) covers 43 major stage critical illnesses and 5 rediagnosed or recurred critical illnesses, up to 200% of the coverage amount.

Upon the first diagnosis, 100% of the coverage amount will be paid to you in one lump sum, allowing you to focus solely on recovery. Your coverage amount will be restored to 100%, allowing you to make a subsequent claim on the following:

A different critical illness from the first diagnosis (after 12 months from the first claim) OR

One of the 5 Rediagnosed or Recurred Critical Illnesses (after 24 months from the first claim)

Multistage Critical Illness

Further your protection for 104 early, intermediate, and major critical illnesses until age 75 with a coverage amount of up to S$350,000 when you add on the Early Critical Cover Extra rider.

Waiver of Premiums

Cast your financial worries aside in the event of a critical illness.

Put your health first and focus on your recovery

Waive future premiums of your AIA Beyond Critical Care (base plan) upon diagnosis of any of the covered:

103 early, intermediate, or major critical illnesses with Early Critical Protector Waiver of Premium rider; or

42 major critical illnesses with Critical Protector Waiver of Premium rider.

Safeguard your child’s protection, no matter what the future may bring

Future premiums of your child’s AIA Beyond Critical Care (base plan) will be waived up to his/her 25th birthday should you be:

diagnosed with any of the covered 103 early, intermediate, or major stage critical illnesses, be disabled or sadly passed away with Early Critical Protector Payor Benefit rider;

diagnosed with any of the covered 42 major critical illnesses, be disabled or sadly passed away with Payor Benefit Comprehensive Special rider; or

disabled or sadly passed away with Payor Benefit rider.
100% Refund of Premium Benefit

100% of the base plan’s total annual premiums (less any claims paid) will be refunded to you at the end of the policy term, including those that were waived (if any).
Mental Well-being Benefit

Get an additional 20% of the coverage amount (up to S$50,000 per claim) - until age 75 – for 5 prominent mental illnesses such as Major Depressive Disorders and Obsessive Compulsive Disorder.

Covered Mental Illnesses

Major Depressive Disorder (MDD)

Schizophrenia

Bipolar Disorder

Obsessive Compulsive Disorder (OCD)

Tourette Syndrome (up to age 21)

Death & Compassionate Benefit

Should the unforeseen happen, a lump sum amount will be paid to your loved ones, taking the financial stress off their shoulders as they focus on what matters most.

Death Benefit	100% of the coverage amount will be paid in one lump sum, less any critical illness claims paid.
Compassionate Benefit	S$10,000

Health Screening Benefit

We will reimburse you the cost of your health screening (up to S$200) so that you can better take control of your health.
Benefits that go beyond financial protection

Being diagnosed with a critical illness or mental illness can be a confusing time for both you and your loved ones. Having the additional support throughout this trying period can help to alleviate some of your worries.

ABOUT AIA CRITICAL ASSIST AND TELADOC HEALTH

AIA Critical Assist:

A dedicated hotline service that is managed by trusted healthcare practitioners who can provide expert advice, trusted recommendations and referrals to a reliable health, home and medical care network.

This service is exclusive to policyholders of AIA Beyond Critical Care. To access this service, please call (65) 6334 6900 or refer to the AIA Beyond Critical Care brochure for more information.

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 policyholders of AIA Beyond Critical Care. To access this service, please call (65) 6643 9195 or refer to the AIA Beyond Critical Care 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 Beyond Critical Care plan, 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!

Get in touch

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By providing your personal data and submitting this form, you consent to the collection, use, disclosure, processing and retention of your personal data by AIA Persons^[1] , for purposes of addressing your enquiry ("Purpose"), in accordance with AIA Personal Data Policy (Singapore) . You also consent to being contacted by AIA Persons^[1] via your provided contact details^[2] for such Purpose.

¹ "AIA Persons" refers to AIA Singapore Private Limited, its associated persons/organisations, its and their third-party service providers and its and their representatives, whether within or outside Singapore.

² If you have provided your mobile number, we will contact you via voice call and/or text message (e.g. SMS/MMS). If you have provided your email address, we will contact you via email.

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THE FINE PRINT

the terms and conditions at a glance

The AIA Beyond Critical Care (base plan) covers you up to age 85 or for a minimum period of 30 years, whichever is later.
Please refer to relevant product summaries for the list of covered conditions and other details including definitions and applicable exclusions.
Under the major critical illness benefit, only 10% of the coverage amount, up to $25,000 is payable for Angioplasty & Other Invasive Treatment for Coronary Artery.
The coverage amount will be restored to 100% after 12 months from the date of diagnosis of the last critical illness claimed, before a subsequent claim of a different critical illness can be made.
For relapse, we will only admit a claim for a Covered Rediagnosed or Recurred Critical Illness, if we have previously admitted a claim for the covered critical illness. There is a waiting period of 24 months from the date of the first diagnosis before a subsequent claim can be made.
Once 200% of the coverage amount has been paid to you, you will no longer need to pay the premiums of your AIA Beyond Critical Care and the critical illness benefit will terminate.
A total of 5 claims may be made for all covered mental illnesses, with each claim capped at S$50,000 for a covered mental illness, subject to a waiting period of 3 years between each claim. The total amount payable to you for all covered mental illnesses under AIA Beyond Critical Care and all other policies issued by us shall be limited to S$150,000.
Under the 100% Refund of Premium Benefit, the total annual premiums (less any benefits paid under your policy and any amounts owing to us) of your AIA Beyond Critical Care will be paid to you upon policy expiry. Please refer to the product summary for the definition of “Total Annual Premiums” and benefit exclusions.
We will not pay the death benefit if 100% of the coverage amount has been paid out under the critical illness benefit.
The Health Screening Benefit will start from the 4th policy year onwards and be available once every 3 years thereafter. The insured must be at least 21 years old at the time he/she undergoes the health screening(s). For more information, please refer to the product summary.
Premium discount for AIA Vitality members 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 your AIA Vitality status attained and shall be capped at 15%.

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. You are advised to read the relevant policy contract(s) for details.

IMPORTANT NOTES

The 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.

These insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) (“AIA”). All insurance applications are subject to AIA’s underwriting and acceptance. This brochure is not a contract of insurance. The precise terms and conditions of these plans, including exclusions whereby the benefits under these plans may not be paid out, are specified in the policy contracts. You are advised to read the policy contracts.

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. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. 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.

Protected up to specified limits by SDIC. This advertisement has not been reviewed by the Monetary Authority of Singapore.

The information is correct as at 1 August 2021.

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AIA Beyond Critical Care

term

2 weeks - 60 years old

S$

AIA APPOINTED representative

What This Product Is About

What Does It Provide?

Holistic Critical Illness Protection

100% Refund of Premium Benefit

Mental Well-being Benefit

Death & Compassionate Benefit

Health Screening Benefit

Benefits that go beyond financial protection

Better Choice, Better Health with AIA Vitality

Get in touch

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