AIA Pro Lifetime Protector (II)

There are certain conditions such as pre-existing conditions, whereby no benefits will be payable. Waiting period and survival period are applicable before the benefits will be payable. You are advised to read the relevant policy contract for details.

Lifetime Critical Cover and Total Critical Accelerator (II):

A minimum period of 90 days must have passed between the policy issue date or reactivated date and diagnosis of the following conditions (whichever is later) before a claim can be made for the following:

• Angioplasty & other invasive treatment for Coronary Artery
• Coronary Artery by-pass surgery
• Heart attack of specified severity
• Major Cancer
• Other serious Coronary Artery Disease

Relapse Benefit:

A minimum period of 90 days must have passed between the policy issue date or reactivated date and diagnosis of the following conditions (whichever is later) before a claim can be made for the following:

• Recurred Heart Attack
• Re-diagnosed Major Cancer

Special Conditions:

A minimum period of 90 days must have passed between the policy issue date or reactivated date and diagnosis of the following conditions (whichever is later) before a claim can be made for the following:

• Tourette Syndrome;
• Autism Spectrum Disorder;
• Dyslexia;
• Kawasaki Disease with Heart Complications; 
• Rheumatic Fever with Heart Involvement

A minimum period of 365 days must have passed between the policy issue date or reactivated date and diagnosis of Attention-deficit Hyperactivity Disorder (whichever is later) 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. 

There are fees to cover policy expenses and charges for your insurance protection. The annual fund management fee is already factored into the unit price of each fund. There are no fees for switching or partial withdrawals after 2nd policy year. The fees and charges for this plan are not guaranteed. Please refer to the policy contract for details.

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.

AIA Pro Lifetime Protector (II) is an Investment-linked Plan (ILP) offered by AIA Singapore Private Limited, which invests in ILP sub-fund(s). Investments in this plan are subject to investment risks including the possible loss of the principal amount invested. The performance of the ILP sub-fund(s) is not guaranteed and the value of the units in the ILP sub-fund(s) and the income accruing to the units, if any, may fall or rise. Past performance is not necessarily indicative of the future performance of the ILP sub-fund(s). You should seek advice from an AIA Financial Services Consultant and read the product summary and product highlights sheet(s) before deciding whether the product is suitable for you. A product summary and product highlights sheet(s) relating to the ILP sub-fund(s) are available and may be obtained from your AIA Financial Services Consultant. A potential investor should read the product summary and product highlights sheet(s) before deciding whether to subscribe for units in the ILP sub-fund(s).

This publication 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.

Information is correct as at 12 January 2021.