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 is designed to be your partner in helping you navigate through any unexpected challenges that may come your way. It is a first-in-market critical illness plan that is dedicated to protecting both your physical and mental health. In the event of a critical illness or mental illness, this plan doesn’t just support you financially, but also provides you access to personalised medical support.

GET IN TOUCH

What Does It Provide?

Critical Illness Benefit

Receive up to 200% of the coverage amount for 43 major stage critical illnesses and 5 rediagnosed or recurred critical illnesses.

Upon the first diagnosis, 100% of the coverage amount will be paid to you in one lump sum, thereafter your coverage amount will be restored to 100% after 12 months have passed, allowing you to make a subsequent claim on the following:

· A different critical illness from the first diagnosis OR

· One of the following five critical illness:

    - Rediagnosed Major Cancer

    - Recurred Heart Attack

    - Recurred Stroke

    - Repeated Heart Valve Surgery

    - Repeated Major Organ / Bone Marrow Transplantation
Mental Wellness Benefit

This plan also provides first-in-market coverage for 5 prominent mental illnesses, up to age 75, for which we will pay an additional 20% of the coverage amount, up to $50,000 per claim.



    1. Major Depressive Disorder (MDD)

    2. Schizophrenia

    3. Bipolar Disorder

    4. Obsessive Compulsive Disorder (OCD)

    5. Tourette Syndrome (up to age 21)

Covered Mental Illnesses

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100% Refund of Premium Benefit

100% of your total annual premiums will be refunded to you at the end of the policy term.
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.

What’s more! To help your loved ones with some of the final expenses, we will pay a compassionate benefit of $10,000.
Benefits that go beyond financial protection

We understand that being diagnosed with a critical illness or mental health illness can be a long, unpredictable and emotionally draining journey, therefore AIA Beyond Critical Care doesn’t just take care of your financials but also journeys with you through this trying time with AIA Critical Assist and Medix.

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.

Medix:

Receive personalised medical support from diagnosis to recovery with Medix, a Personal Medical Case Management provider.

This service is limited but not exclusive to policyholders of AIA Beyond Critical Care. To access this service, please call (65) 6228 6968 or refer to the AIA Beyond Critical Care brochure for more information.

About AIA Critical Assist and Medix

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AIA Vitality

Be rewarded when you live healthier.

AIA Vitality supports and motivates you every step of the way towards achieving your health goals. You get rewarded for healthy choices and earn points when you Get Active, Eat Well and complete Health Checks!

What’s more, you can get to enjoy up to 15% discount on future premiums of your AIA Beyond Critical Care!

DO YOU WANT ADDITIONAL PEACE OF MIND?

Additional options are available for you to customise your cover to suit your individual needs and protection needs for the family.

CRITICAL ILLNESS PREMIUM WAIVER RIDERS!

Having to worry about paying your premiums should be the last thing on your mind. With premium waiver riders such as Critical Protector Waiver of Premium and Early Critical Protector Waiver of Premium, we’ll take care of your AIA Beyond Critical Care premiums once you’ve been diagnosed with any of the covered critical illnesses.

AIA BEYOND CRITICAL CARE

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THE FINE PRINT

the terms and conditions at a glance

This policy 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 critical illness benefit, only 10% of the coverage amount, up to $25,000 is payable for Angioplasty & Other Invasive Treatment for Coronary Artery.
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 up to 2 years 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 only 1 claim per illness, subject to a waiting period of 3 years between each claim. The total amount payable to you for all covered illnesses under AIA Beyond Critical Care and all other policies issued by us shall be limited to $150,000.
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.
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. You are advised to read the relevant policy contract for details.

WAITING PERIOD

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

SURVIVAL PERIOD

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.

IMPORTANT NOTES

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.

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AIA Beyond Critical Care

term

2 weeks - 60 years old

S$

AIA APPOINTED representative

What This Product Is About

Talk To Us

What Does It Provide?

Critical Illness Benefit

Mental Wellness Benefit

100% Refund of Premium Benefit

Death & Compassionate Benefit

Benefits that go beyond financial protection

AIA Vitality

DO YOU WANT ADDITIONAL PEACE OF MIND?

CRITICAL ILLNESS PREMIUM WAIVER RIDERS!

AIA BEYOND CRITICAL CARE