AIA Power Critical Cover

Critical Illness Protection

Period

TERM/WHOLE LIFE

Issue Age

2 weeks - 65 years old

Currency

S$

You can buy this via

AIA Authorised Representative

WHAT THIS PRODUCT IS ABOUT

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.

what does it provide?

WIDE COVERAGE FOR 175 CONDITIONS

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:

Diabetic Complications

Osteoporosis

Severe Rheumatoid Arthritis

Dengue Haemorrhagic Fever

Masectomy due to carcinoma-in-situ or malignant breast condition

Hysterectomy due to cancer

Vulvectomy due to cancer

Severe Gout

Necrotising Fasciitis requiring surgery

Tourette Syndrome (TS)

Attention-deficit Hyperactivity Disorder (ADHD)

Autism Spectrum Disorder (ASD)

Dyslexia

Kawawsaki Disease with Heart Complications

Rheumatic Fever with Heart Involvement

15 Special Conditions are

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RESTORE 100% OF COVERAGE AMOUNT AFTER EACH CLAIM

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.
REPEATED COVERAGE IF YOU HAVE A RELAPSE

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:

Re-diagnosed major cancer

Recurred heart attack

Recurred stroke

Repeated major organ/bone marrow transplantation

Repeated heart valve surgery

5 Power Relapse Critical Illnesses

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GUARANTEED CASH VALUE FOR FINANCIAL CONFIDENCE

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): 100% of your coverage amount less any critical illness benefits paid. Surrender Benefit: 75% of your coverage amount less any critical illness benefit paid.

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): 100% of your coverage amount less any critical illness benefits paid. Surrender Benefit: 75% to 99% of your coverage amount less any critical illness benefits paid.

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):
100% of your coverage amount less any critical illness benefits paid.

Surrender Benefit:
75% to 99% of your coverage amount less any critical illness benefits paid.

TIDE YOUR FAMILY THROUGH BEREAVEMENT?

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.

Do you want additional peace of mind?

With optional premium waiver riders, you get an additional layer of protection so that your coverage is not disrupted in difficult circumstances.
Early Critical Protector Waiver of Premium II

We will waive your future premiums once you are diagnosed with any of the 149 covered conditions.
Early Critical Protector Payor Benefit II

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.

GET IN TOUCH

Get in touch

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Are you an existing AIA Brunei customer?*

Drop us a question here:

THE FINE PRINT

the terms and conditions at a glance

Coverage for Special Conditions is up to age 85.
Maximum claim limits apply for Power Reset Benefit. Subsequent claims have to be for a different condition from the earlier claim(s).
Waiting period of 24 months required for Power Relapse Benefit from the last claim of the same critical illness (any stage) of the same Power Relapse critical illness.
Refer to the product summary for the definition of the covered conditions.
The surrender benefit of 75% of the coverage amount shall be payable on or after the 60^th policy anniversary of at age 75, whichever is earlier, plus additional 1% for each progressive year from age 76 onwards. The maturity benefit of 100% of the coverage amount will only be payable when the policy matured at age 100. Both surrender and maturity benefits will be subject to deduction of any critical illness benefit paid and amounts owing to us.
For optional premium waiver riders, refer to the respective supplementary benefit (rider) product summary for the list of covered critical illnesses, definitions and applicable exclusions.
Compassionate Benefit of $5,000 is paid upon death less any amounts owing to us.

DETAILED TERMS AND CONDITIONS

- COLLAPSE + EXPAND

EXCLUSIONS

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

Waiting period applies, please refer to relevant policy contract for details.

SURVIVAL PERIOD

You must survive at least 7 days from the date of diagnosis or date of performance of surgical procedure of the covered conditions.

IMPORTANT NOTES

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.

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AIA Power Critical Cover

TERM/WHOLE LIFE

2 weeks - 65 years old

S$

AIA Authorised Representative

WHAT THIS PRODUCT IS ABOUT

Talk To Us

what does it provide?

WIDE COVERAGE FOR 175 CONDITIONS

RESTORE 100% OF COVERAGE AMOUNT AFTER EACH CLAIM

REPEATED COVERAGE IF YOU HAVE A RELAPSE

GUARANTEED CASH VALUE FOR FINANCIAL CONFIDENCE

TIDE YOUR FAMILY THROUGH BEREAVEMENT?

Do you want additional peace of mind?

Early Critical Protector Waiver of Premium II

Early Critical Protector Payor Benefit II

Get in touch

Thank You

THE FINE PRINT

the terms and conditions at a glance

DETAILED TERMS AND CONDITIONS

DETAILED TERMS AND CONDITIONS

EXCLUSIONS

WAITING PERIOD

SURVIVAL PERIOD

IMPORTANT NOTES