Life Insurance
Protect your loved ones’ future from life’s uncertainties
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{{label}}Critical Illness Protection
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A diabetes diagnosis is life-changing in every sense. Managing diabetes can mean big adjustments in your lifestyle, such as diet, exercise, and daily monitoring of your condition. Alongside these new challenges, you may also face difficulties getting new coverage or keeping up with future treatment costs.
Knowing this, we created AIA Diabetes Care, a groundbreaking plan for pre-diabetics and Type 2 diabetics aged 30 to 65 years old. The plan provides coverage for key diabetes-related conditions, ensuring you have the financial support you need in case the unexpected occurs. Through AIA Vitality, you will also be rewarded for each healthy choice you make, motivating you to live a healthier lifestyle in the long run.
Getting coverage after a diagnosis is now easier with AIA Diabetes Care. There’s no need for medical examinations; just answer 5 simple questions for access to the coverage you need.
Other health problems could crop up as a result of elevated blood sugar levels over the long term. To ensure that you have the support you need to adjust your lifestyle, we’ll also give you a 20% payout of your coverage amount upon limb amputation as a result of a diabetes-related complication.
We guarantee annual renewal of your policy, with no change to your premium throughout the policy duration, up to age 80. You won’t need to worry about escalating premiums in your later years.
Bolster your plan with an optional Cancer Cover for extra peace of mind. This add-on pays out 20% of your coverage amount upon diagnosis of early or intermediate stage cancer, and a further 100% upon diagnosis of major cancer. This is in addition to the coverage from the main plan.
Many chronic diseases affecting Singaporeans today are caused by unhealthy lifestyle choices and a lack of early detection. Make healthy lifestyle changes with AIA Vitality and get up to 15% discount on future premiums. What’s more, the programme also makes managing your condition easier by helping you to improve your diet, and check your progress with exclusive health screening packages, all of which will earn you AIA Vitality points too!
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Things that you won't be able to claim from this policy
There are certain conditions for which no benefits will be payable. Please refer to the policy contract for the full list of exclusions.
A minimum period of 90 days must have passed between the policy issue date or reactivated date and diagnosis of the following conditions before a claim can be made:
You must survive at least 7 days after the diagnosis of a condition or performance of surgical procedure before a claim can be made.
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 your policy 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.
The information is correct as at 3 April 2019.