Critical Illness

Help ease your financial burden should you contract a serious illness



Sometimes, an event happens that has the potential to alter your way of life. Every day, 28 people in Singapore are diagnosed with Cancer+.

If you are struck by a critical illness, the medical treatment you require may not be covered in part or in full by your hospital expense plan, and any prescription medication that you may need could amount to a lot of money. You may also wish to seek pioneering or experimental medical treatment. What’s more, the combination of the illness, treatments and medications can often prevent one from being able to work or care for family, resulting in loss of income and unanticipated expenses such as childcare support.

Critical illness plans usually offer larger, lump sum cash payments and it’s up to you how you spend the money. Basic critical illness plans in the market provide coverage for 30 common critical illnesses such as cancer, stroke, heart disease and kidney disease, and usually terminate after the first claim is made.

+The Global Cancer Burden - The Straits Times, 4 February 2012

AIA Complete Critical Cover

Less than 20% of Singaporeans are financially prepared to deal with a critical illness*

AIA Complete Critical Cover is a critical illness protection plan designed to give you comprehensive financial support to battle against an unexpected critical illness. It covers early, major, and catastrophic critical illnesses, including cancer, heart disease and stroke. But what's unique about this plan is it pays for major cancer relapse too. And you can make multiple claims with total payouts of up to 200% of your insured amount. Such benefits make it one of the most attractive plans in town.

*AIA Singapore Nationwide Protection Survey conducted by The Nielsen Company in June 2011.

Important Notes:

All insurance applications are subject to underwriting and acceptance by AIA Singapore Private Limited (AIA).

This is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefits under this plan will not be paid out, are specified in the policy contract. You are advised to read the policy contract.

Buying a life insurance policy is a long-term commitment. 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 less benefits at the same cost.

The information is correct as at 7 March 2012.

Benefits at a glance

Comprehensive protection for your peace of mind

Early payouts so you can seek prompt treatment
You will receive up to 50% of the insured amount or up to $75,000 (applies to some Early Critical Illnesses) in the event of a qualifying diagnosis of any of the Early Critical Illnesses so you can seek treatment to prevent illness from progressing to a more advanced stage.

For some prevalent diseases such as diabetic complications‡ and angioplasty, the plan pays up to 25% of the insured amount (subject to a limit of $25,000), whichever is lower, upon early diagnosis.

Immediate payouts up to 200% in the event of a Catastrophic Critical Illness
For Catastrophic Illnesses, you will receive a lump sum of up to 200% of the insured amount (less any amount(s) paid out previously).

Multiple claims so you remain covered
AIA Complete Critical Cover does not terminate in the event of an Early Critical Illness or a Major Critical Illness claim. Should your condition take a turn for the worse, you may make further claims up to 200% of the insured amount.

Major Cancer Relapse Benefit
You will receive a payout of up to 100% of the insured amount for a claim for cancer under Major Critical Illness. Should there be a relapse after a year from your remission, you may be eligible for a further payout of 50% of the insured amount, up to a maximum total claim limit of 200% of the insured amount payable under your policy. 

Premium waiver with continued protection for you

Future premium will be waived upon a successful Major Critical Illness claim or 2 Early Critical Illness claims^ (whichever is earlier), so you will continue to be covered for the remaining balance of the insured amount under the policy.

*Source: The Global Cancer Burden - The Straits Times, 4 February 2012.

**Source: AIA Singapore Nationwide Protection Survey conducted by The Nielsen Company in June 2011.

±Subject to applicable limits

≠Diabetic Nephropathy, Diabetic Retinopathy and amputation of the entire foot due to gangrene.
^Each of the 2 Early Critical Illness claims must be at benefit level of 50% of the insured amount (subject to applicable limits).

+Your premium will be based on your age at the time the policy is issued, and remains level over the life of the policy. By payment of your premiums due on each premium due date, your plan will provide coverage up to the policy anniversary immediately following your 75th birthday. Premiums payable under the plan are not guaranteed. We may revise the premiums payable subject to our future obligations under the plan and any future amendments to the laws and regulations of Singapore. The premiums revision would not be on an individual policy basis.

Important Notes:

All insurance applications are subject to underwriting and acceptance by AIA Singapore Private Limited (AIA). This is not a contract of insurance. The precise terms and conditions of this plan, including exclusions whereby the benefits under this plan will not be paid out, are specified in the policy contract. You are advised to read the policy contract.

Buying a life insurance policy is a long-term commitment. 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 less benefits at the same cost.

The information is correct as at 1 January 2012.

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