Life Protection
Protect your loved ones’ future from life’s uncertainties
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{{label}}Critical Illness Protection
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Critical illness can happen to anyone, and unfortunately for some, more than once. Instead of leaving it to chance, give yourself and your loved ones total assurance with AIA Power Critical Cover.
This plan protects you extensively without disrupting your coverage, from as early as the detection of chronic conditions to the diagnosis of 150 critical illnesses, and even in the face of relapses and different critical illnesses.
Be covered for 10 conditions under the Pre-Early Benefit, including the diagnosis of Type 2 Diabetes, so you’re better equipped to nip the signs of early critical illnesses in the bud. You’re also covered for 150 multi-stage critical illnesses and 15 special conditions.
15 Special Conditions:
Be assured of continual protection against different and subsequent critical illnesses. The Power Reset Benefit fully restores your coverage amount, once 12 months have passed from the last claim, allowing you to make multiple claims of up to 500% of your coverage amount.
Be backed up not once, but with twice the coverage amount (up to 200%) with the Power Relapse Benefit if you suffer from the same critical illness, once 24 months have passed from the last claim.
5 Power Relapse Critical Illnesses:
This plan comes with 2 options for you to choose your preferred coverage period and if you want eventual cash value.
Plan options | AIA Power Critical Cover Value Plan |
Coverage Age | Up to age 75 |
Guaranteed cash value | N.A |
Plan options | AIA Power Critical Cover Life Plan |
Coverage Age | Up to age 100 |
Guaranteed cash value | Maturity Benefit(at age 100):
Surrender Benefit:
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Plan options | Coverage Age | Guaranteed cash value |
---|---|---|
AIA Power Critical Cover Value Plan | Up to age 75 | N.A |
AIA Power Critical Cover Life Plan | Up to age 100 | Maturity Benefit (at age 100):
|
In the unfortunate event of death, your loved ones will receive 100% of your coverage amount, less any critical illness benefits paid, as well as a compassionate benefit of S$5,000.
With optional premium waiver riders, you get an additional layer of protection so that your coverage is not disrupted in difficult circumstances.
We will waive your future premiums once you are diagnosed with any of the 149 covered conditions.
We will waive all future premiums of your child’s AIA Power Critical Cover plan should you be diagnosed with any of the 149 covered conditions, disabled or sadly passed away, so your child stays protected when it matters most.
Things that you won’t be able to claim from this policy
There are exclusions such as pre-existing conditions whereby no benefits will be payable. You are advised to read the relevant policy contract for details.
Waiting period applies, please refer to relevant policy contract for details.
You must survive at least 7 days from the date of diagnosis or date of performance of surgical procedure of the covered conditions.
This insurance plan is underwritten by AIA Singapore Private Limited (Reg. No: RFC20004468) (“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 this plan 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 that 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 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 are the same cost.
This information is correct as at 24 July 2020.