aia premier Disability cover

Disability Income Protection

Period

term

Issue Age

16-60 years old

Currency

S$

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What This Product Is About

Suddenly finding yourself unable to work due to a disability can have a devastating effect on your family’s financial security. It can very quickly become a struggle to pay bills, meet education expenses and mortgage payments. With AIA Premier Disability Cover, an ongoing income provides vital financial stability and peace of mind while you adapt to your new situation.

GET IN TOUCH

What Does It Provide?

MONTHLY PAYOUTS IF YOU’RE UNABLE TO WORK

If a disability prevents you from earning a living, you can receive a monthly payout of up to 75% of your existing income, right up until you make a full recovery or reach the age of 65, whichever is earlier.
INCOME TOP UPS IF YOUR EARNINGS ARE REDUCED

If you can only find a job that pays less than the monthly payout you purchased due to your disability, AIA Premier Disability Cover will supplement your income to match the shortfall.
LUMP SUM PAYOUTS TO CARRY YOU AND YOUR FAMILY THROUGH THE WORST

You will receive a lump sum of 24 times the monthly payout in the event of catastrophic disability. A death benefit of 12 times the monthly payout is also payable should the worst happen.
REHABILITATION BENEFIT FOR A SMOOTHER ROAD TO RECOVERY

To help you on your road to recovery, you will be reimbursed for rehabilitation costs up to 6 times the monthly payout for each disability.
PAYBACK BENEFIT

We will pay up to 2 times the monthly payout to replace the income you lost during the deferment period when you are unable to work due to your disability.
PREMIUM WAIVER WITH CONTINUED PROTECTION

Enjoy income protection while you recover from your disability, without having to make any more payments. You will continue to be protected and eligible to receive benefits without paying another dollar.

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THE FINE PRINT

the terms and conditions at a glance

After receiving the monthly payout for 2 years, you will continue to be eligible to receive it so long as you are unable to perform any suitable occupation according to your training, experience or education.
The catastrophic disability benefit is payable only once per policy.
The death benefit is only applicable for a standalone policy.
Any rehabilitation treatments and expenses need to be approved by us in writing, and certified as necessary by a physician before the expense is incurred.
Your premium will be waived when you are receiving the monthly payout up until you make a full recovery or reach the age of 65, whichever is earlier.

DETAILED TERMS AND CONDITIONS

- COLLAPSE + EXPAND

EXCLUSIONS

Things that you won't be able to claim from this policy

There are certain conditions such as pre-existing conditions whereby no benefits will be payable. Please refer to the policy contract for the full list of exclusions.

deferment PERIOD

The monthly payout will begin 60 days after the disability was first suffered. For recurrent disability that occurs within 12 months after the last monthly payout and catastrophic disability, the 60-day deferment period does not apply.

IMPORTANT NOTES

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 whereby the benefits under your policy may not be paid out, are specified in the policy contract. You are advised to read the policy contract.

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 8 April 2019.

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aia premier Disability cover

term

16-60 years old

S$

AIA APPOINTED representative

What This Product Is About

Talk To Us

What Does It Provide?

MONTHLY PAYOUTS IF YOU’RE UNABLE TO WORK

INCOME TOP UPS IF YOUR EARNINGS ARE REDUCED

LUMP SUM PAYOUTS TO CARRY YOU AND YOUR FAMILY THROUGH THE WORST

REHABILITATION BENEFIT FOR A SMOOTHER ROAD TO RECOVERY

PAYBACK BENEFIT

PREMIUM WAIVER WITH CONTINUED PROTECTION

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Thank You

THE FINE PRINT