AIA Beyond Critical Care

Cover mental & critical illnesses

Get an instant 10% premium discount with AIA Vitality

icon health

AIA Beyond Critical Care

​​Receive​ premium refund on top of protection against major stage critical illnesses (CIs) and relapse as well as mental illnesses​.

Currency

S$

Period

Term

AIA Vitality member exclusive

Up to 15% premium discount

Benefits for you

Holistic critical illness (CI) protection

Get covered for 43 major stage CIs and 5 rediagnosed or recurred CIs and optional add-ons.

Learn more

Premium refund benefit

Receive a 100% refund of the base plan's total annual premiums at the end of the policy term.

Mental well-being benefit

​​​Get an additional 20% of the coverage amount for 5 prominent mental illnesses until age 75.​​

Learn more
Health-Insurance - benefits for you - death-benefit

Death & compassionate benefit

​​​A lump sum amount will be paid to your loved ones should the unforeseen happen.​​

Learn more

Health screening benefit

​​​Get up to $200 reimbursement for health screening ​once every 3 years starting from 4th policy year​.

Health-Insurance - benefits for you - extended-healthcare-support

Extended healthcare support​

​​​Enjoy access to additional medical support to assist in your recovery if required.​​

Learn more

More info

​​​Major Critical Illness and Relapse​​
​​​Provides protection for 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 out, allowing you to focus solely on recovery. Your coverage amount will be restored to 100%, allowing you to make a subsequent claim.​​
 
​​​Multistage Critical Illness​​
​​​Enjoy enhanced 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 ​​
​​​Waive future premiums of your AIA Beyond Critical Care (base plan) when you add on the Early Critical Protector Waiver of Premium rider or Critical Protector Waiver of Premium rider.​​
 
​​​Future premiums of your child's AIA Beyond Critical Care (base plan) will be waived up to his/her 25th birthday when you add on the Early Critical Protector Payor Benefit rider, Payor Benefit Comprehensive Special rider or Payor Benefit rider.​​

Covered Mental Illnesses
  • Major Depressive Disorder (MDD)
  • Schizophrenia
  • Bipolar Disorder
  • Obsessive Compulsive Disorder (OCD)
  • Tourette Syndrome (up to age 21)

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

​​​AIA Critical Assist​​
​​​AIA Beyond Critical Care policyholders have exclusive access to a dedicated hotline service at (65) 6338 6200 that operates 24 hours a day to provide you with trusted recommendations and referrals to a reliable health, home and medical care network.
 
​​​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.​​

Join AIA Vitality and enjoy an instant 10% premium discount

Add AIA Vitality to AIA Beyond Critical Cover and get a 10% premium discount for the first year. Keep up a healthy lifestyle and get up to 15% premium discount as you improve your AIA Vitality status. On top of that, you can enjoy exciting benefits like weekly rewards and discount on gym memberships, fitness devices, movie tickets and more.
 
Click here to read more on AIA Vitality.

Be covered in sickness and in good health

Share

https://www.linkedin.com/sharing/share-offsite/?url=https://www.aia.com.sg/en/our-products/health/critical-illness/aia-beyond-critical-care
https://www.facebook.com/dialog/share?app_id=113869198637480&href=https://www.aia.com.sg/en/our-products/health/critical-illness/aia-beyond-critical-care&display=popup
mailto:?subject=AIA Beyond Critical Care&body=Improve your protection with AIA Beyond Critical Care: a comprehensive critical illness plan that safeguards physical and mental health. Click to find out more. https://www.aia.com.sg/en/our-products/health/critical-illness/aia-beyond-critical-care

More ways to keep you protected

Get in Touch

*Please select an option
*Name is required
*Please ensure that you mobile number starts with 8 or 9, up to 8 digits.
Please select the right country code.
*Please fill in a valid email address.
Are you an existing AIA Singapore customer?*
last 4 chracters
*Please provide last 4 characters of your NRIC / Passport / FIN no.
*Please select Date of Birth
0/400
*Please fill in your question

Please provide your consent by ticking on the checkbox below:*

*Please tick consent before submission
[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.
 
 
[3] 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.
*Please verify the reCAPTCHA and tick the check box before submission

Thank you for your request

We will do our best to respond to you as soon as possible.
error icon
*Form submission error

Terms and conditions

  • 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 insured must be at least 21 years old at the time he/she undergoes the health screening(s). 
  • The AIA Vitality premium discount 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 the AIA Vitality Status attained. The discount is capped at 15%.

Teledoc 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.
 
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 such as pre-existing conditions whereby the benefits under this plan may not be paid out, are specified in the policy contract. 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.
 
You should seek advice from an AIA Consultant / Insurance Representative and read the product summary before deciding whether the product is suitable for you. 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. 
 
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 1 July 2025.