Be covered beyond critical illness

AIA Absolute Critical Cover

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AIA Absolute Critical Cover

Cover ​multi-stage ​critical illnesses​, chronic, age-related​​ and​ other future diseases​ plus potential cash value.

Currency

S$

Period

Term

Issue Age

2 Weeks - 65 Years Old

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Benefits for you

Comprehensive coverage beyond critical illnesses

​​​Be covered for 187 conditions including multi-stage critical illnesses, pre-early conditions and others.​​

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Flexible coverage period

​​​Choose a preferred coverage term of up to age 65, 75, or 100, that best fits your needs.​​

Safety net cover benefit

Receive a one-time payout of additional 20% of coverage amount for selected ICU admissions.

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Cash value

​​​Choose a coverage term of up to age 100 and enjoy potential cash value on your plan.​​

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Continual protection

​​​Add on the ASCC booster to enhance your protection against multiple critical illnesses and relapses.​​

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Child premium discount

​​​Enjoy 10% off the first year's premiums of your child's plan, should you also purchase it for him/her.​​

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Death benefit

​​​Upon passing, your loved ones will receive 5% of your coverage amount, including any surrender value.​​

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​​​Coverage for 187 Conditions​​
  • ​​​150 multi-stage critical illnesses, with up to S$350,000 payout for early critical illness or intermediate critical illness​​

  • ​​​25 special conditions, including Osteoporosis, Diabetic Complications, and Severe Gout​​

  • ​​​12 pre-early conditions, including signs of early critical illness like Benign Tumour and Borderline Malignant Tumour, common chronic diseases like Varicose veins (requiring surgery), as well as age-related conditions (covered from age 51 onwards) like Urinary incontinence (requiring surgical repair)​​
​​​What's more – this is the first and only plan in the market covering common health conditions such as Thyroid disorders, Sleep Apnoea, Benign prostatic hyperplasia (requiring surgery), and Glaucoma (requiring surgery).​​

Receive a one-time payout of additional 20% of coverage amount for any illness, condition or future disease that requires ICU admission (min. 4 days).

​​​Coverage Benefit​​
​​​To age 100​​
​​​ ​​
​​​Surrender Benefit (From age 75 or after year 60 of your plan anniversary, whichever is earlier)​​
​​​75% of coverage amount plus 1% for each progressive year from age 76 onwards, up to 99% of your coverage amount​​
​​​ ​​
​​​Maturity Benefit (At age 100)​​
​​​150% of coverage amount​​
​​​     ​​
​​​Note: Any claims paid under Critical Illness Benefit will reduce the amount of surrender benefit or maturity benefit.​​

​​​Power Reset Benefit​​
​​​Fully restores your coverage amount once 12 months have passed from the last critical illness or Power Relapse Critical Illness, allowing you to make multiple claims of up to 500% of your coverage amount.​​
 
​​​Power Relapse Benefit​​
​​​Be backed up not once, but twice the coverage amount (up to 200%) if you suffer from the same critical illness, namely re-diagnosed Major Cancer, recurred Heart Attack, recurred Stroke, repeated Major Organ/Bone Marrow Transplantation or repeated Heart Valve Surgery, once 24 months have passed from the preceding same Critical Illness or Power Relapse Critical Illness Condition, for which a claim was admitted by us.​​
 
​​​Plus, Major Cancer need not be in remission to claim for re-diagnosis!​​

​​​Premium discount for subsequent renewal of your child's AIA Absolute Critical Cover plan will be as follows up till age 21.​​
 
One child: 5%
Two or more children: 10%

Be covered in sickness and in good health

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Terms & conditions

  • Please refer to the product summary and contract for the detailed coverage period and payout limit for each of the benefits/conditions covered under the AIA Absolute Critical Cover and ASCC Booster.
  • Payout for the Safety Net Cover is capped at S$25,000 across all policies issued by AIA and this benefit will terminate thereafter. The stay in ICU must also be at least 4 days occurring within the same episode of any local hospital admission, due to any illnesses, injuries, or conditions.
  • For the Surrender Benefit, 75% of the coverage amount shall be payable on or after the 60th policy anniversary or at age 75, whichever is earlier, plus additional 1% for each progressive year from age 76 onwards. For the Maturity Benefit, 150% of the coverage amount will only be payable when the policy matures at age 100. Any claims paid under Critical Illness Benefit will reduce the amount of surrender benefit or maturity benefit.
  • For the Power Reset Benefit, maximum claim limits apply and a waiting period of 12 months is required from the date of diagnosis of the preceding critical illness under the Critical Illness Benefit or Power Relapse Critical Illness Condition under the Power Relapse Benefit, where a claim was admitted by us. Each subsequent claim(s) must be for a different condition.
  • For the Power Relapse Benefit, maximum claim limits apply and a waiting period of 2 years is required from the date of diagnosis of any stage of the same Critical Illness or Power Relapse Critical Illness Condition, for which a claim has previously been admitted by us. We will only admit a claim for a Power Relapse Critical Illness Condition if we have previously paid 100% of the coverage amount under the Critical Illness Benefit for any stage of the same critical illness.
  • The eligible entry age for a child under the Child Premium Discount benefit will be from two weeks old till age 15. Additionally, the Child Premium Discount is applicable for AIA Absolute Critical Cover and ASCC Booster (if attached) only based on a standard life. It is not applicable to any extra premiums due to loading and also does not apply to any other riders attached. Eligibility of the discount is subject to conditions at each subsequent renewal, please refer to product summary for details.
  • AIA Absolute Critical Cover will terminate after the Death Benefit is paid out. 
  • Please refer to the respective product summaries for the list of covered conditions applicable for the optional premium waiver riders.

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 may wish to seek advice from an AIA Authorised Representative for a financial analysis before purchasing this policy.
 
Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. You are discouraged from switching from an existing accident and/or health insurance policy to a new one without considering whether the switch is detrimental, as there may be potential disadvantages with switching. A penalty may be imposed for early policy termination and the new policy may cost more or have fewer benefits at the same cost.
 
This information is correct as at 5 July 2023