AIA DIABETES CARE

Critical Illness Protection

Period

Up to 80 Years

Issue Age

30 to 65 years

Currency

S$

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AIA APPOINTED REPRESENTATIVE

What This Product Is About

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.

GET IN TOUCH

Score against Diabetes

What Does It Provide?

EASIER ACCESS TO THE PROTECTION YOU NEED

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.
EXTRA PAYOUTS FOR SPECIAL CONDITIONS

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.
GUARANTEED RENEWABLE WITH LEVEL PREMIUM

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.
ADD-ON TO YOUR PROTECTION WITH CANCER COVER

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.
BE EMPOWERED TO LIVE HEALTHIER WITH AIA VITALITY

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!

Get in touch

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THE FINE PRINT

the terms and conditions at a glance

To be eligible for coverage, the insured must be a non-smoker, whose diabetic condition was diagnosed after age 25, with no pre-existing diabetes-related complications.
20% of coverage amount is payable upon amputation of a foot or hand at/or above the ankle or wrist, to treat gangrene that has occurred due to a diabetes-related complication. This benefit is payable only once and provided there is no payout made for the critical illness benefit.
For the optional Cancer Cover, the early or intermediate stage cancer benefit is payable only once and provided there is no payout made for major cancer.
The premium discount is applicable from the second policy year onwards will depend on the AIA Vitality Status attained. The discount is capped at 15%.

DETAILED TERMS AND CONDITIONS

- COLLAPSE + EXPAND

EXCLUSIONS

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.

waiting PERIOD

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:

Amputation of foot at/or above the ankle or hand at/or above wrist
Heart Attack of Specified Severity
Coronary Artery By-pass Surgery
Early/Intermediate Stage Cancer
Major Cancer

SURVIVAL PERIOD

You must survive at least 7 days after the diagnosis of a condition or performance of surgical procedure before a claim can be made.

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 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.

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AIA DIABETES CARE

Up to 80 Years

30 to 65 years

S$

AIA APPOINTED REPRESENTATIVE

What This Product Is About

Talk To Us

Score against Diabetes

What Does It Provide?

EASIER ACCESS TO THE PROTECTION YOU NEED

EXTRA PAYOUTS FOR SPECIAL CONDITIONS

GUARANTEED RENEWABLE WITH LEVEL PREMIUM

ADD-ON TO YOUR PROTECTION WITH CANCER COVER

BE EMPOWERED TO LIVE HEALTHIER WITH AIA VITALITY

Get in touch

Thank You

THE FINE PRINT