Robert Chitty - Comparison of CCC

AIA Complete Critical Cover

Serious illness can strike the fittest of us at any time. If you were to be diagnosed with a Critical Illness, would you have enough money to pay for medical treatment and provide for your family?

AIA Complete Critical Cover is designed to help you take full advantage of the benefits of modern medicine, providing you with the financial assistance you may need to get early treatment, and continued treatment for the same illness or an unrelated illness should you need it. Should you be diagnosed with a Catastrophic Illness, you may receive up to 200% of the Insured Amount, giving you the greatest level of protection when you need it the most.

Key Benefits of AIA Complete Critical Cover

Immediate payout on early diagnosis

The plan pays out up to 25% of the Insured Amount in the event of a qualifying diagnosis of an Early Critical Illness so that you can seek immediate medical treatment and get back on your feet as quickly as possible.

Multiple claims allowed

In the event of a claim for an Early Critical Illness or Major Critical Illness, the plan will not terminate. You will continue to be protected and, if your condition deteriorates to a more serious or advanced stage, you may make further claims up to 200% of the Insured Amount. It is possible to claim for a combination of multiple Early, Major or Catastrophic Critical Illnesses up to a maximum of 200% of the Insured Amount. A waiting period may apply between some claims and for certain benefits. There are also certain exclusions under which no benefits will be payable. For more detailed information on waiting periods and exclusions, please refer to the Product Summary.

Immediate payouts up to 200% of the Insured Amount for Catastrophic Illness

For certain Critical Illnesses, the plan pays out an immediate lump sum equal to 200% of the Insured Amount less any amount(s) paid out previously.

Waiver of premium benefit

In the event of a Major Critical Illness claim, you can receive a payout of up to 100% of the Insured Amount, and you will no longer have to pay the future insurance premiums. Thereafter, your Critical Illness coverage under the AIA Complete Critical Cover plan will continue and you will remain eligible to make further claims up to 200% of the Insured Amount.

Comprehensive protection against:

• 30 common Major Critical Illnesses conditions
• 8 Early Critical Illness conditions
• 5 Catastrophic Critical Illness conditions

Major Cancer Relapse benefit

In the event of a successful claim for any of the Major Cancers covered under the policy, you will receive a payout of up to 100% of the Insured Amount. Following treatment, if your cancer goes into remission and you subsequently suffer a cancer relapse after 1 year from your remission, you may be eligible to receive a further payout of up to 25% of the Insured Amount. This benefit is subject to the 200% limit on the total Insured Amount payable under your policy. AIA Complete Critical Cover is the first policy in the market to offer this benefit.

Level premiums and guaranteed renewal

Your annual premium will be based on your age at the time the policy is issued, and remain level over the life of the policyˆ. You may renew your policy each year without further underwriting up to the policy anniversary following your 74th birthday.

Act Now!
To find out how AIA Complete Critical can meet your critical protection needs, contact your AIA Financial Services Consultant for an AIA Financial Health Check today. Alternatively, you can call our AIA Customer Care Hotline at 1800 248 8000.

How's your financial health?
Take the AIA Financial Health Check today!

Important notes:

^*The 25% discounts will be applied to the first policy year annual premium payment. If you choose to pay premiums monthly, the 3rd, 4th and 5th months' premium in the first policy year will be waived.

^{^} 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.

All insurance applications are subject to underwriting and acceptance by American International Assurance Company, Limited.

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.