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AIA Ultimate Critical Cover (UCC)

Stay resilient with unlimited critical illness claims and 100% coverage reset to recover financially.

Currency

S$

Period

Term

Issue Age

2 Weeks - 65 Years Old

Benefits for you

Continual protection with multiple claims

Get ultimate assurance with unlimited claims for major stage of covered critical illnesses

100% reset of your coverage

Fully reset your coverage every 12 months from the last claim, allowing you to make multiple claims

Exclusive UCC Enhancer rider to boost your protection

Be covered for relapses and get additional payout for catastrophic critical illnesses

Learn more

Flexible coverage length

Choose your preferred coverage term of up to age 65, 75, or 85, whichever best suits your needs.

Wide coverage for different kinds of critical illnesses

Get covered for 150 medical conditions across early, intermediate and major stages.

Securing your family's financial future

Ensure the security of your loved ones' future in the event of unexpected demise.

Extended healthcare support

​​​Enjoy access to additional medical support to boost your ability to overcome health lapses.​​

Learn more

More info

Ultimate Relapse Benefit
Get additional protection against relapses for a peace of mind. If there is a relapse of any of the five critical illnesses covered under this benefit, you'll be able to claim for the same critical illness again up to a total of 100% of your coverage amount.

Catastrophic Critical Illness Benefit
Should any of the five catastrophic critical illnesses strike, you will receive an additional 100% of your coverage amount to help you cope financially. This is an additional payout that does not reduce your coverage amount.

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 Ultimate Critical Cover. To access this service, please call (65) 6643 9195 or refer to the AIA Ultimate Critical Cover brochure for more information.
 
Learn more about Teladoc Health
 
WhiteCoat Telemedicine
An exclusive service that allows you to video consult with Singapore-registered doctors at your convenience. Enjoy a flat teleconsultation fee of S$12^ and have your prescribed medicine delivered to your doorstep as well.
 
^ Cost excludes GST, medication, delivery charges, medical tests, imaging, or examination, where applicable.
 
Learn more about WhiteCoat Telemedicine
 
WhiteCoat Chronic Home Care
An exclusive program that helps you manage and treat Diabetes, High Blood Pressure and High Cholesterol at home, from as little as S$30/month^.
 
Stand to also enjoy teleconsultation for routine review and monitoring, in-home visits for lab tests, in-app reminders for your test dates and also prescribed medication and delivery (charged separately).
 
Please refer to the AIA Ultimate Critical Cover brochure for more information.
 
^ Cost excludes GST, medication, delivery charges, medical tests, imaging, or examination, where applicable.

Stay Prepared With Early Protection

Growing up, lying was Leong's way to get out of awkward situations. But when life's hardships no longer shrink away so easily, the white lies become an act of love to protect his loved ones and his own future. Witness how Leong stays prepared against unexpected turns in life with early planning against critical illness.

Better choice, better health

Make the choice towards better health than before with AIA Vitality, one of the most comprehensive wellness programmes in Singapore. Through a wide spectrum of tools and benefits that target different aspects of your health, AIA Vitality supports you to make positive behavioural changes that improve your overall wellness.
 
With the Vitality-integrated AIA Ultimate Critical Cover, you can enjoy upfront premium discount on your first year's premium for the plan and eligible riders. As you get healthier and improve your AIA Vitality status, you will enjoy greater discounts of up to 15% – which means lower costs on your coverage! So, the higher your AIA Vitality status, the more you save!
 
Please click here for further details.

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More ways to keep you protected

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Terms & conditions

  • Unlimited claims apply to major stage of critical illnesses. Only one claim is payable for each stage of a critical illness. The total amounts payable for all stages of a critical illness shall not exceed 100% of the coverage amount.
  • The coverage amount will be reset to 100% if the UCC policy is in force 12 months after the last critical illness claim.
  • Multiple claims are applicable for early and intermediate stage of critical illnesses covered by UCC policy. The total amounts payable for the early and intermediate stage of the same critical illness shall not exceed S$350,000 per life combined across all the UCC policies covering the same insured.
  • Please refer to the product summary and contract for the detailed benefits/conditions covered under the AIA Ultimate Critical Cover (UCC) and UCC Enhancer.
  • For policy term To-Age-65, the maximum entry age is 55 age last birthday; for policy term To-Age-75 and To-Age-85, the maximum entry age is 65 age last birthday.

Teladoc 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.
 
WhiteCoat Telemedicine and Chronic Home Care are not contractual benefits. WhiteCoat is an independent third-party company. AIA shall not be responsible or liable for any medical service, product and solicitation effort provided by WhiteCoat, which is not sold or marketed by AIA. AIA shall not be held responsible or liable in any way for any action, omission, advice or information that is given, or statements made by any service providers or other persons (including healthcare providers) arising from or in connection with this service. Any and all personal data provided to us will be used to ascertain your eligibility to access the services and other information herein. The collection, use, disclosure, and retention of your personal data is subject to the AIA Personal Data Policy (Singapore), to which you agree and accept.
 
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. You are recommended to read the product summary and seek advice from an AIA Financial Services Consultant for a financial analysis before purchasing a policy suitable to meet your needs.
 
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. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You should consider carefully before terminating your 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 9 January 2024.