AIA Beyond Critical Care

There are exclusions such as pre-existing conditions, whereby no benefits will be payable. You are advised to read the relevant policy contract for details.  

A minimum period of 90 days must have passed between the issue date or the re-activated date and diagnosis of the following conditions before a claim can be made: 

• Heart Attack of Specified Severity
• Major Cancers
• Coronary Artery By-pass Surgery
• Angioplasty and Other Invasive Treatment for Coronary Artery (not covered under Early Critical Protector Waiver of Premium)
• Other Serious Coronary Artery Disease
• Major Depressive Disorders
• Schizophrenia
• Bipolar Disorder
• Obsessive Compulsive Disorder
• Tourette Syndrome 
  

You must survive at least 7 days from the diagnosis or performance of surgical procedure of a critical illness before a claim can be admitted. 

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 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. 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.

This information is correct as at 3 April 2019.