Critical illness insurance plays a vital role in financial protection, offering a safety net during challenging health crises. The AIA Absolute Critical Cover stands out as a comprehensive solution, providing coverage for an impressive 187 critical illnesses, age-related conditions, and chronic diseases. This standalone policy goes beyond traditional coverage, offering multiple benefits and optional riders to enhance your protection. With its unique features like cash value accumulation and surrender value adjusted for claims, the AIA Absolute Critical Cover presents a compelling option for those seeking robust critical illness protection.
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The AIA Absolute Critical Cover offers extensive protection against a wide range of critical illnesses and conditions. This section outlines the key aspects of coverage, including the number of conditions covered, payout structure, and additional benefits that set this policy apart from others in the market.
The policy covers an impressive 187 conditions, including 150 critical illnesses and 25 special conditions. This comprehensive coverage ensures protection against a wide spectrum of health challenges.
Covered conditions are categorized into early-stage, intermediate-stage, and major-stage critical illnesses. The policy also includes pre-early conditions and special conditions, providing a holistic approach to critical illness protection.
AIA Absolute Critical Cover offers a multi-pay feature, allowing multiple claims up to 500% of the sum assured with the ASCC Booster. This structure provides ongoing financial support through various stages of illness.
The policy includes unique benefits such as the Pre-Early Benefit, Special Condition Benefit, and Safety Net Cover Benefit. These offer payouts for specific conditions, with maximum limits ranging from S$10,000 to S$25,000 per claim.
AIA Absolute Critical Cover goes beyond basic critical illness protection by offering a range of additional benefits. These features enhance the policy's value and provide comprehensive coverage for various life stages and scenarios.
Provides 5% of the insured amount and surrender value in case of death while the policy is in force. This ensures a basic level of life coverage alongside critical illness protection.
For policies up to 100 years old, a 150% payout of the insured amount is provided at maturity, adjusted for any previous claims. This feature adds a savings component to the critical illness coverage.
Applicable to plans up to 100 years old, allowing policy surrender from the 60th anniversary or 75th birthday. The benefit starts at 75% of sum assured, increasing by 1% annually up to 99%.
Offers premium discounts of 5% for one child and 10% for two or more children insured under separate AIA ASCC policies. This benefit encourages family coverage until the child reaches 21 years of age.
| Age | What suggestion covers | Premium |
|---|---|---|
| 25, Female making $3,333.333 a month | accident medical reimbursement $3,000 accidental death $250,000 accidental dismemberment and burns $250,000 accidental major dismemberment $750,000 accidental permanent total disability $750,000 additional payout for accidental death $250,000 ambulance services $200 broken bones $12,000 daily accidental hospital income $150 daily accidental icu $150 emergency medical evacuation and repatriation $25,000 tcm chiropractic medical reimbursement $750 | Not provided |
AIA Absolute Critical Cover offers flexibility in terms of entry age and policy duration. This section outlines the key aspects of policy terms and renewability options, allowing policyholders to tailor their coverage to their specific needs and life stages.
The policy accommodates a wide age range, from 2 weeks to 65 years old. This broad entry age allows coverage for individuals at various life stages.
Policyholders can choose from three term options: up to 65, 75, or 100 years old. This flexibility allows for customization based on individual protection needs and financial goals.
The policy offers monthly, quarterly, biannual, and yearly payment frequencies. Integration with AIA Vitality is available, providing upfront premium discounts and future vitality status-dependent premium reductions.
Filing a claim with AIA for the Absolute Critical Cover is designed to be straightforward and efficient. Policyholders can initiate the claims process by contacting AIA's customer service hotline or visiting their official website. Required documentation typically includes completed claim forms, medical reports, and any other relevant supporting documents. AIA's dedicated claims team is available to guide claimants through the process and answer any questions. For general inquiries or policy-related assistance, customers can reach out to AIA's customer service team via phone, email, or by visiting an AIA branch office. AIA also offers digital tools and a mobile app for convenient policy management and claims submission.
The AIA Absolute Critical Cover is an excellent choice for individuals seeking comprehensive critical illness protection with added flexibility and value. This policy is particularly well-suited for those who want coverage for a wide range of conditions, including early-stage illnesses and special conditions. It's also ideal for individuals looking for a policy that combines critical illness protection with a savings component, thanks to its maturity and surrender benefits. Families can benefit from the child premium discounts, making it an attractive option for parents wanting to secure their children's future health needs.
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